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Proposal Recommended Procedure for Selecting a Credit Products for Physical Clientele
Sadílková, Květa ; Hricová, Daniela (advisor) ; Olga, Olga (referee)
The subject of the thesis Proposal recommended procedure for selecting a loan product of clients is analyzing forms of consumer credit provided to the client, evaluation and suggest optimization using a specific choice of bank and non-bank credit or loan in deciding client. The theoretical part defines the concepts of credit products, natural clientele, creditworthiness and credit registers. The issue of financing of natural persons pursues the factors that influence decisions, evaluations and indebtedness of clients. In my thesis, I also mentioned about the various types of credit registries, including information links on the subsequent granting of a loan to the client. The practical part is the description and comparison of various types of consumer contracts, provided banking and non-banking institutions. Based on the analysis of consumer contracts are found common factors and differences and then advantages and disadvantages of these contracts. This comparison is also the basis for the proposed solutions to the financing needs of individuals, particulary to optimize the selection of consumer credit products provided either banking or non-banking institutions for clients - loan applicants in the form of recommendations for applicants. In the practical part there are used personal experiences both in terms of several years of work in sociological research company, and in several activities of a credit counselor in financial institutions.
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The possibilities of financing own housing
Přibylová, Jolana ; Hricová, Daniela (advisor) ; Olga, Olga (referee)
The aim of the thesis is to propose the optimal way to finance private housing based on the analysis of a mortgage and a building savings loan. Results of the analyses will be used for parital formulation of proposals and perspectives of financing private housing for single mothers in the Hradec Králové region.
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Strategies and risks of investing in mutual funds
Jelínek, Václav ; Hricová, Daniela (advisor) ; Olga, Olga (referee)
This thesis deals with the investment strategy and the level of risk when investing in mutual funds under the investment advisory and fund sales through bank ČSOB as their evaluation and analysis, harmony between the investment profile of the client, the investment class fund recommendations and the level of investment risk associated with investing in mutual funds. ČSOB Inc. the banksinsurance companies, ranks among the most important and biggest financial advisory group in the Czech Republic, including sophisticated investment advice. The theoretical part describes the different investment theories, recommendations, tools, processes, methods and approach the investment adviser and the client. It summarizes and compares the most important investment concepts and theories. Synthesis methods are used, comparison and compilation and are set hypotheses. The practical part is focused on the exploration of the current investment advice, strategies and risks associated with investing, investment comparison questionnaires, according to the investment class client and follow specific investment. Furthermore, the practical part deals with the answer to the hypothesis, evaluation questionnaire, its analysis and mutual comparison with the advice of the Investment Advisor, client response and compliance with the investments made. The work focuses on the evaluation of the currently selected system for the evaluation and recommendation with respect to investment risk, profitability, volatility and portfolio diversification. The work takes into account the investment instruments used, clients motivational processes leading to the realization of investments and especially the willingness of risk-taking investor in accordance with the banking system, evaluation and approach a bank for investment advice. The purpose of this work is to establish a system for achieving the most ideal point system that determines the final investment profile of the client in relation to the risk and return on investment. Determine the extent of boundary inclusion of individual investors and investment products into product classes, understand the needs of clients, their incentives, motivation and subsequent to determine, if possible, what the best investment and advisory structure with regard to the risk of the investment. Potential investors, but also but also investment advisors, this work should help better orientate the very investment advice and help to accurately determine their investment profile in relation to the investment classes of products and determine the strategy that will truly respond to the needs of investors for the purpose of what best assessment with an acceptable risk.
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Planning the utilization of the financial resources of the company
Pastorková, Martina ; Hricová, Daniela (advisor) ; Olga, Olga (referee)
The diploma work deals with the effective use of financial resources that the enterprise has available, specifically evaluating their options and investment plan formation. The first part introduces general information about capital structure. There are explained the types of financial resources, their pros and cons and possibilities of their utilization. This chapter also contains the types of investments and methods of assessment needed to correct assembly of the above mentioned investment plan. Own part introduces general information about a particular company. This is followed by a brief analysis of the capital structure of the company, which explores ways of financing, financial budget formulation, the composition of costs, or the proportion of the financial resources of the enterprise. This analysis is followed by the evaluating of all investments. Investments are compared and selected the best of them according to the results of applied indicator. The information obtained is used in the final chapter, which is compiled investment plan for the year 2015. The findings are then used to draw conclusions and propose changes in addressing the capital structure and investment evaluation.
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Valuation of an agricultural company
Michálek, Tomáš ; Hricová, Daniela (advisor) ; Olga, Olga (referee)
The topic of this master thesis is a valuation of an agricultural company. Based on this valuation, an objective value of the company is obtained which might serve as a suitable knowledge before selling or buying the company. Two appropriate methods were chosen for valuation. Their choice depended on collected information about the company and on the results of a preliminary strategical and financial analysis.
The thesis contains two parts. In the first one, results of a literature search are given encompassing the key notions in the valuation process, available preliminary analyses, methods and recommended processes of valuation.
The second part puts the theory into practice using an existing company. First, the financial and strategical analysis is implemented. Depending on the results of the analyses, it is decided whether to evaluate the company and if so, which methods to choose for valuation. Finally, two appropriate methods of valuation are chosen the method of book value and the method of capitalized net earnings. The results of these two methods are combined in the final value. The rest of the work contains the final conclusion.
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The management system of receivables
Lukešová, Kristýna ; Hricová, Daniela (advisor) ; Olga, Olga (referee)
The thesis on The System of Management of Receivables is applied on a company which deals with past due receivables. In the theoretical part, there is explanation of terms connected with this subject: origination, expiry and aspects from which can perceive the receivables. In the chapter the system of management of receivables there is a description of evaluation of customers, contractual conditions, hedging as well as the recovery process. In the practical part, the company XYZ is introduced, their basic economic indicators are described including financial analyses for years 2012 to 2014. Furthermore, this part contains a sector analysis carried out in order to assess the risk level of the sector related to the development of past due receivables. Last but not least we examine an analysis of receivables and liabilities following the preceding years and clarify the existing system of management of receivables. The objective is to sum up information and results from analyses, internal documents and questioning in form of interviews in order to assess the current status of the company. The result of this thesis is a proposal for improvement of the credit management, a comparison and a calculation of costs of possible measures.
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The profitability of a passive house building
Lakosil, Jakub ; Hricová, Daniela (advisor) ; Olga, Olga (referee)
The subject of the master thesis is an economic saving of a passive house construction in comparison with particular classic low-energy house. The first part of the thesis discusses the evolution of low-energy houses and classification of these constructions according to their energy consumption. It also discusses the advantages of the passive house constructions and the subsidy system, which is possible to use for houses with very low energy consumption. The practical part initially contains a description of chosen bungalow house, which is classified according to its technical specifications into classic, low-energy and passive. Furthermore, there is a brief description of the houses energy consumption and classification into their respective energy group. The subsidy system, described in the theoretical part, is a source for the detection of the subsidy entitlement of particular model varieties. A brief description of acquisition costs, focused on displaying the differences between the studied varieties, is compiled according to particular budgets. There are calculations of investment and operating costs based on technical and price sources. In the conclusion of the thesis there is an economic evaluation of return on investment of particular model types of the houses.
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Impact of the financial crisis on mutual funds
Šilhanová, Lenka ; Hricová, Daniela (advisor) ; Olga, Olga (referee)
Thesis deals with the theme of collective investment and the impact of financial crises on mutual funds. In theoretical part collective investment is defined, as it´s subjects and classifications according to the legal identity, objective investment allignment and investment strategies. Defined are also it´s advantages and disadvantages and possible methods of meassuring mutual funds efficiency. In practical part is the impact of financial crises analyzed by means of global indices at first, which are considered as the basic statistic indicator, meassuring market trends and rates of stocks and then also by several criteria on the predefined funds categories, where is the extent of the impact of financial crises quantified and the yielding risk profiles.
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Potential of brassinosteroids for forest seed management with regard to species utilizable as Christmas trees
Jílek, Jan ; Kuneš, Ivan (advisor) ; Olga, Olga (referee)
The aim of this work is to assess the effect of brassinosteroids on germination of selected forest tree species with a potential to be used for the production of Christmas trees.The synthetically prepared analog 24-epibrassinolide (was tested on germination of seeds of Scots pine (Pinus sylvestris L.). Prior to launch of germination, the seeds were being soaked for 48 hours at three different concentrations of the tested brassinosteroid (BR-treatments) and in distilled water only (control), respectively. Seeds of each above-mentioned treatment were exposed to two alternative regimes: the stressed and unstressed one, respectively. In the stressed regime, seeds were exposed to a stress episode with temperatures up to 42 °C. In the unstressed regime the temperatures followed a pattern prescribed by Czech seed testing rules. Fully germinated seeds (the length of root radicle at least 4 times longer than the size of seed) were calculated. The root radicle length of each germinated seed was measured as well.The best results were recorded in the BR-treatment with the highest concentration of the tested brassinosteroid (0.4 mg.dm-3) in both germination regimes.
As contrasted to the control, the high concentration treatment increased germination capacity in the unstressed and stressed regime by 16.8% and 31%, respectively.
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