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Comparison of the pension system of the Czech Republic and the Slovak Republic
ENDLICHEROVÁ, Klára
The bachelor thesis focuses on the comparison of the pension system of the Czech Republic and the Slovak Republic. The first part of the thesis summarizes the basic theoretical knowledge in the field of social security and pension system. This is followed by a description of the pension systems of both countries. The second part deals with the comparison of pension systems, which is carried out mainly based on demographic and economic indicators. The results of the comparison point to a possible risk in the Czech Republic's pension system. The thesis concludes with an evaluation of these results in the form of a proposal of possible recommendations for improving the functioning of the pension system of the Czech Republic.
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Rozdíly ve výši příjmů a starobních důchodů u mužů a žen v ČR
Slanařová, Barbora
This diploma thesis deals with differences in income and pension between men and women in the Czech Republic. The target was to evaluate time series and panel data of income and pension of both sexes and to evaluate the existence of differences by using econometrics methods. From the performed analysis was forecast the future development for next three years and then was created the marketing recommendation for retail store regarding the focus on consumers in the pension in the end.
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Econometric analysis of demographic aspects of economic development
LE, Václav Quang
The thesis focuses on econometric analysis of demographic aspects of economic development. The subject of the analysis is the sustainability of the pension system of the Czech Republic, which is examined from two perspectives, from the point of view of pension revenues and expenditures on pension benefits. The analysis is carried out using the multiple linear regression technique. Three models are presented for each of the variables examined. The dataset is time series in nature, has quarterly seasonality and the period under study is the time interval 2000-2022 Q1. According to the revenue models, revenue is positively correlated with GDP, wages and salaries, employers' social contributions, consumer price index (CPI) and negatively correlated with the number of employed and unemployed. Expenditures, on the other hand, are positively correlated with the number of pensions, CPI, average wages and past expenditures. The models presented were also evaluated for their forecast accuracy for 2018-2019 when there was no crisis and for 2020-2022 Q1 when there was a crisis. The models were able to capture the dynamics of the variables in the non-crisis period, but were not as accurate in the crisis period, with the expenditure models performing better in comparison. Based on cross-validation, the corrected Akaike information criterion and the Schwarz Bayesian information criterion, model 2 was selected for each variable to predict for Q2-Q4 2022. According to the revenue model, revenue should trend sideways/stagnate, while according to the expenditure model, expenditure should grow. Also, predicted expenditures are exceeding predicted revenues.
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Investing in precious metals as a tool of financial security for retirement
REMIÁŠ, Ondřej
The thesis deals with possibility of investing in precious metals (with a great focus on gold) as a way to have financial savings for retirement and comparing it with more widely used saving tools in the Czech Republic that are used for such purposes - sup-plementary pension insurance, life savings and more. The first part of this work looks at Czech pension system before and after its reforms and pointing out its unsustainability for the future. It then proceeds to look in history of investing in gold and analyze in great depth its benefits and disadvantages. The practical part was divided into financial analysis based on the example of the statistically average Czech citizen and a question-naire, which was attended by 288 respondents, mainly students or university graduates. Although the results of the work showed the suitability of gold and other precious met-als in the issue of financial security for retirement, we shouldn't also forger their disad-vantages when choosing them for this purpose. When creating a financial portfolio, one should think about involving a whole range of financial products - whether stock, bonds or its supplementation in the form of advantageous supplementary pension savings. Pre-cious metals undoubtedly have a place there, but they should be used primarily for their specific investment characteristics and advantages: as a hedge against inflation and mar-ket fluctuations of non-correlated financial instruments.
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The main principles of the development of pension insurance in the territory of today's Czech Republic from the end of the 19th century to the present
Hrdý, Milan ; Štefko, Martin (advisor) ; Fischerová, Iva (referee) ; Lang, Roman (referee)
The doctoral dissertation "The main principles of the development of pension insurance in the territory of today's Czech Republic from the end of the 19th century to the present" deals with the issue of the historical development of pension insurance in the territory of today's Czech Republic from the end of the nineteenth century to the present. The main principles of the development of the pension system in the given period were identified and the analysis was performed mainly in terms of the personal and material scope of insurance, insurance obligations and briefly also in terms of the organizational security of the pension system. This analysis was carried out in four selected periods, in the period before the establishment of the independent Czechoslovak Republic, in the period from 1918 to 1945, in the period from 1945 to 1992 and from 1993 to the present within the independent Czech Republic. At the end of the work, the relevant findings from this historical development were summarized and with their use the author's own proposal for the development of the pension insurance system in the Czech Republic in the future was presented. The stabilized material and personal scope of the pension insurance must be maintained, as well as high-quality of the procedural security, including a sophisticated...
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Pension insurance concepts and Czech pension reform
Melenec, Lubomír ; Zemanová, Jana (advisor) ; Vysokajová, Margerita (referee)
The aim of this thesis is to deal with general types of pension systems and to introduce current Czech pension scheme and its reforms. In general part of this thesis common classification of pension systems is given and advantages and risks of particular solutions are mentioned. Further so called three pillars pension scheme commonly used across European countries is described. Following parts deal with analysis of current Czech pension scheme. Description of public pension legislation focuses on rules for joining public pension scheme, obligation to pay insurance premium, rules for establishment of right to a retirement pension, rules for pension calculation and adjustment of pensions already paid. Survey of main parametric changes implemented continuously on public pension scheme is also included. Fifth chapter is dedicated to so-called small pension reform. Chapter contains analysis of Decision of the Constitutional Court of the Czech Republic which forced a legal amendment of Pension Insurance Act and required to strengthen the adequacy of pensions to prior earnings. Small pension reform consisted in changes of pension calculation rules in compliance with mentioned Constitutional Court decision and in implementation of further parametric changes of public pension scheme. Sixth chapter describes...
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Comparison of pension system and its reform in the Czech and Slovak Republics
Šárková, Veronika ; Kotrusová, Miriam (advisor) ; Klusáček, Jan (referee)
Bachelor thesis " The comparison of the pension system and pension reform in the Czech Republic and Slovak Republic ." deals with the situation regarding the pension system in the Czech Republic and in the Slovak Republic. Author in this work describes a brief introduction to the pension system in the both countries, its development after the 1989 and the characteristics of the current retirement system. The main goal of this work is the reform of the system, with a focus especially on the implementation of the second pillar - pension savings. The aim is to evaluate and describe the changes that have occurred during the execution of the pension reform in both countries. As a part of this evaluation have been characterized similarities and differences in a contemporary setting of the second pillar pension system in both countries. The author also discusses possible reasons for differences in the systems in selected countries.
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The Czech Republic pension system - developments after 1989 and its reform
Belčev, Daniel ; Potůček, Martin (advisor) ; Duškov, Ivan (referee)
The present thesis focuses on the analysis of the Czech pension system reform. In order to understand the respective consequences, the analysis is put into the context of the development of the Czech pension system after 1989. In addition to the value aspect, attention is paid to the demographic, legislative, political, economic, social, institutional and international aspects of the pension system, its arrangement, financing and financial sustainability. The comparison of the pension reform implemented by the coalition government of Prime Minister Petr Nečas with the concept of pension reform of the opposition Czech Social Democratic Party by the criteria of budgetary responsibility, quality of life of pensioners, solidarity, social justice, equivalence and resilience of pension reform in time is also emphasised. Theoretical bases include the theory of path dependency, the theory of institutionalism, the welfare state theory, the theory of corporatism and the criterion anchoring of the reform. The present thesis applies the method of analysis of secondary data and the method of comparative analysis. To obtain secondary data, methods of document and data record searching are utilised.
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The Retirement Age - the development and determinats influence over its changes
Nešporová, Stanislava ; Potůček, Martin (advisor) ; Hedbávný, Petr (referee)
The diploma thesis generally focuses on pension systems, specifically on the institution of retirement age. This institution is very important for the old-age pension system and its stability. Retirement age is an important determinant of every pension system. Demographic and economic state of society depends, among other things, on age at which citizens can retire, it's associated with standard of living of state residents. It also affects job opportunities. Since its inception the retirement age in the Czech Republic has gone through many modifications. Based on the theory of actor-centered institutionalism, the diploma thesis addresses the determinants that influenced the development of retirement age institute, including its institutional framework and actors involved in its changes. It also deals with its developmental stages. Comparison with the development in Slovakia (in some parts of diploma thesis only) will be enriched the conceptual, empirical as well as methodological realm of the thesis. Czech and Slovak Republics have shared history but the pension systems of both countries have considerably diverged. In conclusion the diploma thesis specifies the wider context of the retirement age as a part of the overall pension system. Powered by TCPDF (www.tcpdf.org)
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Comparison of pension systems in the Czech Republic and the United States of America
Brtník, Karel ; Potůček, Martin (advisor) ; Kotrusová, Miriam (referee)
This thesis present an analysis of pension systems in the Czech Republic and the United States of America, according to the status in 2013. The aim is to make comparison of pension schemes based on defined criteria, that are budgetary responsibility, the quality of life for the elderly, social justice, social solidarity, equivalence and financial sustainability of the pension system. Another objective is to compare each pillar of the pension systems and analyze the different elements of the benefits that are provided from mentioned pillars. Theoretical basis include the Welfare State theory, the theory of public finance and the theory of market, state and civic sector and the criterion anchoring of the reform. The research is devoted to the analysis of pension systems ability to provide an adequate income in retirement, what is the real purchasing power of pensioners, whether the pension systems are due to unfavorable demographic development in the future financially sustainable and how the pension system encourages older workers to remain in the labor market.
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