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Consumer protection in Insurance sector
Halecký, Lukáš ; Ducháčková, Eva (advisor) ; Daňhel, Jaroslav (referee)
The main aim of this diploma thesis is to focus on the protection consumers in insurance sector. The thesis gives us an approximation on development and attitude to protection of consumers in accordance with the development of conditions for the function of insurance in market economy after year 1989. Subsequently, the thesis focuses on the research of legislative conditions, the charge of market control and the special level of financial agents. Eventually, at last but not at least the thesis focuses on financial literacy of consumer himself. The theme of the proper research is an evaluation of the proposal transparency's field. Particularly, this research contains products of investment capital insurance, here is shown proficiency of financial consultants, given information and stumbling blocks that are connected with complex solution. Conclusion deals with the interpretation of entire evaluation based on acquired information.
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The position of the financial consultancy in the Czech Republic with a view into the future
Brožová, Martina ; Smrčka, Luboš (advisor) ; Zámečník, Petr (referee)
The aim of this master's thesis is to describe the current situation in financial advisory services in the Czech Republic. It contains an analysis of financial advisory companies on the Czech market. Another goal is to monitor the financial literacy of the Czech population. In the theoretical part it is referred to the difference of working with personal finance among the Western nations and the Czech population. The following describes the reasons why the families of the Western economies get richer faster than the Czech. There are carefully analyzed the financial counseling process and discussed the reasons why the service is beneficial. The practical part is made inquiries about the use of financial advisory services in the Czech Republic and related topics satisfaction. The survey is also aimed at providing current information on the work of people of different ages and social groups with personal finances. The conclusion summarizes all the results and the survey questionnaire.
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Investment literacy czech and slovak students
Kuchár, Róbert ; Sieber, Martina (advisor) ; Luzanová, Marianna (referee)
The aim of the thesis is to analyze financial literacy among students attending universities. I chose a form of questionnaire with open and closed questions and a test about financial (investment) literacy, which contained 10 questions. Afterwards I analyzed the questions a compared them in three different ways. The conclusion contains evaluation and comparison of financial literacy of male and female students studying different Czech and Slovak universities.
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Personal finances
Herchl, Peter ; Moravec, Lukáš (advisor)
The aim of this thesis is to clarify the main factors influencing the allocation of personal finances, the main principles of financial planning, financial literacy and other basic tools and relations influencing personal finances. The applied part stems from the intention to create an alternative financial plan and portfolio on an actual person.
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Financial literacy
Vébrová, Lucie ; Půlpánová, Stanislava (advisor)
Bachelor work describes pivotal documents approved by government, that are instrumental like platform to raising level of financial literacy and it is in the Czech republic. The work analyses current financial knowledge between Czech people based on two approaches -- on objective test and on subjective evaluation. The work also deals with analysis of financial literacy of students on basic schools and it evaluates available literature from area of financial education.
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Theory and Practice of Management of Personal Finances in the Czech Republic
Spilka, Jan ; Votava, Libor (advisor) ; Zámečník, Petr (referee)
The topic of this thesis is personal and family finance. At the time of extensive government austerity measures, uncertainty of countries' future, or even international companies, and on the other side the ever bigger influence of advertisement and consumer culture, its importance grows with each year. The main goal of this thesis is to confirm or disprove the hypothesis that presumes the following: although people think they are handling their personal finance right, they often make typical wrong decisions. Part of the theory is a survey dealing with financial literacy of Czechs that support a theory that they have considerable gaps in managing their finances. Further on, the thesis engages in possibilities on how to eliminate these gaps. Doing this, the author perceives the family, or individual, as a parallel to a company, while their finances management makes parallel to the company's accounting. It also briefly deals with why these mistakes are present, using behavioral economics as a tool for explanation. The theoretical part presents possibilities and products that are to find at a usual economy subject on the market to those willing to evaluate their finances. The practical part is looking for answer to question what the most frequent mistakes are. The author then chooses the one he considers the most significant, namely the absence of planning. It then tries to prove, that elimination of this mistake leads to considerable improvements and optimization in managing finances.
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Perception of upcoming pension reform
Kučera, Ondřej ; Zámečník, Petr (advisor) ; Smrčka, Luboš (referee)
The study aims to comprehensively examine the attitude of the population of Czech republic to planned reform of pension system. Study also examine its knowledge on the existing pension systém, pension reform and on possibilities of investments for their future rents. Those informations were obtained by a method of standardized questionare. The study analyzes those data and identifies possible cause sof measured phenomenona
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Estimation of household total risk
Frömel, Jaroslav ; Koblovský, Petr (advisor) ; Svoboda, Miroslav (referee)
The thesis focuses on estimation of household total risk exposure and factors affecting this estimation. The risk is represented with a financial loss of 20k CZK in the next month and with a financial loss of 50k CZK in the next 12 months. Nearly a half of participants in the survey (n=55) estimates the likelihood of this financial shock as being low, however the number of participants with high estimate increases for the next 12 months. The estimate of total risk exposure increases with age, for self-employed and single parents, next with income and assets, however overall wealth decreases the estimate. Significant factors are education, financial behaviour and cognitive abilities which all have a decreasing effect on the estimate. Availability is considered as significant having a positive effect while biased evaluation of risks has a negative effect. Time preferences can play an important role in the estimation of a long-term risk.
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