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Risk Management of Bank Credit System and Decision Making Process
Skovajsa, Radek ; Kryštof, Zdeněk (referee) ; Čižinská, Romana (advisor)
The theoretical part of this thesis describes the development of Czech banking sector, especially with emphasis on post-revolutionary rebirth within the new conditions of market economy. The following part demonstrates the decision-making credit account process of a bank on a particular case study based on the methodics and procedures leading up to maximal elimination of credit risk. At the same time, the author presents a partially modified internal opinion on a decision of particular business transaction. It is accented that every decision of a bank must comply with the regulations of CNB. The conclusion of the thesis affirms the maximal efforts of domestic banks to minimalize risks within their decision-making credit account processes, which is mirrored in current stability in the development of Czech banking sector.
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Assessment of client’s creditworthiness from a bank’s perspectiv e, loan granting procedure and c lient analysis.
Prokopová, Marta ; Boukal, Petr (advisor) ; Kubíková, Dagmar (referee)
The aim of this thesis is to evaluate creditworthiness (credibility) of a client and assessment of loan granting decision. The work highlights the importance of financial analysis, which constitutes a basis for risk assessment of a client and is a deciding factor in the final decision of granting a loan. Theoretical and methodological part deals with definitions, explanation of terms and methods related to credit processing and financial analysis. The second part assesses financial stability of the company "Firma, a.s." through financial analysis and subsequently evaluates its credibility by applying a selected credit rating model. As a result, final loan granting decision is made.
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Assessing the creditworthiness of the client
Štorkánová, Lenka ; Radová, Jarmila (advisor) ; Coufal, Libor (referee)
This thesis analyzes problems related to the client's creditworthiness, i.e. assessing the ability of the client properly and on time to meet their obligations to banks and other financial institutions. The core of the thesis is to demonstrate individual methods and techniques which are applied to determine the creditworthiness of the client and used in present banking background. The theoretical part defines important terms connected with financial risks, credit process and stages of client's creditworthiness analysis. The next chapters describe methods of analysis gradually creditworthiness of individuals and analysis of corporate creditworthiness. The practical part of the thesis focus on financial analysis and analyzing the creditworthiness of the client from the perspective of individual banks.
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Mortgage loans
Kohlíčková, Jana ; Jablonský, Petr (advisor)
This bachelor thesis deals with a estimation of government and another subject of financial market of mortgage loans and the need to provide to clients. Also illustrate the basic characters and types of mortgage loans and the effect of new regulations in their supplying. In the last chapter are discussed further regulation, which is directly related to mortgage loans, such as remuneration, tightening capital requirements etc.
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Mortgage loans and their analysis on the Czech Republic market
Vrublová, Eva ; Brada, Jaroslav (advisor)
This thesis deals with mortgage loans and their analysis on the Czech Republic market. In the first part legal aspects regulating mortgage loans are mentioned, followed by the fundamental characteristic and essence of mortgage loans and value of clients problems in the end of this part. The second part is focused on advantages and disadvantages which mortgage loans provide. Mainly low interest rates, tax allowance and other possibilities of advantages provided by the state are stated. The last part deals with analysis of mortgage products of four banks. The analysis compares interest rates, bank loan amount, fixation period, charges and bank's approach to value of clients. The complete evaluation is made by two fictive households applying for mortgage loan, each with different criteria. The objective of my thesis is to choose the most optimal mortgage loan for these two households.
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Client's credit rating
Jeřábek, Michal ; Radová, Jarmila (advisor)
This thesis analyzes problems related to the client's creditworthiness, i.e. assessing the ability of the client properly and on time to meet their obligations to banks and other financial institutions. The core of the thesis is a theoretical processing of methods and information used to determine the creditworthiness of the client and then the analysis of methods and information used in the present Czech banks. The theoretical part in the introductory chapter focuses on putting the issue in a broader context view of the financial risk and credit process. The next chapters describe methods of analysis gradually creditworthiness of individuals and analysis of corporate creditworthiness. The practical part of the thesis is focused on analyzing the creditworthiness of the client from the perspective of individual banks.
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Development of mortgage loans in the Czech Republic
Cyprysová, Veronika ; Witzany, Jiří (advisor) ; Witzany, Jiří (referee)
This bachelor thesis aims to describe development of mortgage loans in the Czech Republic. General description of mortgages is given in first parts of the work. Their characteristics, properties, history, hedging and also the process of mortgage lending are described. Basic concepts of mortgage bonds and credit risk management are defined. The empirical part contains analysis of the number of mortgages since the early nineties until now. The relationship between the quantity of mortgages and interest rate is described.
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Consumer credits on the Czech market and indebtedness of households
Šedivý, Ctibor ; Půlpánová, Stanislava (advisor)
This bachelor thesis focuses on non-purpose, non-card, unsecured loans and indebtedness of Czech households. It defines the essential terms related to these loans and specify the suitable laws, it illustrate a development of lending and provides possible solution for over-debt households. It tries to compare selected products of costumers loans provided by banks and non-banks institution. It clarify to readers economic theory and aims to help clients with better orientation that could be a commonplace for experienced reader but practically we know our financial literacy in the Czech Republic isnt satisfactory.
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Model pro ohodnocení bonity klienta v pojišťovně
Píška, Vladimír ; Novotný, Ota (advisor) ; Slánský, David (referee)
Diplomová práce se zabývá problematikou hodnocení bonity klienta v české komerční pojišťovně. Skládá se ze dvou hlavních logických celků ? přípravy teoretického modelu bonity klienta a jeho praktického ověření na reálných datech jedné české pojišťovny. Příprava modelu bonity klienta se přidržuje postupu popsaného v metodice CRISP-DM. Postupně jsou prozkoumány současné způsoby sledování bonity klientů v českém bankovním i nebankovním sektoru a je rozebrán způsob určování bonity klienta v amerických pojišťovnách. Následuje samotné sestavování modelu bonity klienta v pojišťovně. Nejdříve jsou nalezeny oblasti ke sledování a z těchto oblastí jsou vybrány vhodné ukazatele bonity klienta. Přípravu modelu uzavírá nastavení vah u jednotlivých ukazatelů a popis sledovaných kategorií bonity klienta. Druhý logický celek se zabývá aplikací připraveného modelu bonity klienta v praxi. Popsána je fyzická architektura řešení, příprava datové základny, použitá skóringová aplikace a převedení modelu bonity klienta do této aplikace. Dalšími popsanými kroky jsou testování modelu na vzorku dat a na kompletním portfoliu klientů spolupracující pojišťovny. Výsledky jsou analyzovány a zobrazeny v grafech. Poté jsou obdržené výsledky porovnávány s očekávanými výsledky. Diplomová práce končí diskuzí k využití bonity klienta v reálných procesech pojišťovny.
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