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The Bonds and Mortgage Loans Market
PAULUS, Jan
This thesis deals with the problem of banks in connection with mortgage loans and mortgage bonds. Its main aim is the research and analysis ot the market with mortgage bonds and mortgage loans in the Czech and Slovak Republic. The work also takes into concern the so discussed integration of European mortgage markets. The thesis is divided into five chapters. The first two chapters are theoretical and are focused on the legislature and the feature of bonds and mortgage bonds. One of the components is the problem of mortgage banks and mortgage loans. The practical section is divided into three chapters. The first chapter is focused on the position of mortgage banks in the Czech and Slovak Republics in the framework of the bank´s sector in the given country. The banks are evaluated on the basis of economic criteria including balance sheets, net profit, initial capital, capital feasibility, number of branches and number of employees. The final part of this section is the evaluation and comprison of the Czech and Slovak bank sectors and their comparison with the European Union. The second chapter deals with entities conducting in the field of mortgage banking and the evaluation of their position in the framework of the Czech and Slovak Republic. The third chapter evaluates the present state and predicts further developments of the bank market in the area of mortgage bonds and mortgage loans. The problem of the integration of mortgage markets in the European Union is included.
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Emissions of greenhouse gases (N2O and CO2) from pasture soil as a result of activity of soil microbial community - preliminary results
Šimek, Miloslav ; Hynšt, Jaroslav ; Brůček, Petr ; Čuhel, Jiří
Cattle overwintering area was shown an important point source of N2O and CO2. The emissions of N2O were mostly directly related to the rate of animal impact as the greatest fluxes of N2O and the highest total cumulative N2O emissions as well were found at the most impacted site. The fluxes of N2O were however very variable in time and most of N2O was emitted during several short events in spring or in winter. Laboratory experiments suggested that total amount of nitrogen escaping from soil from impacted sites is much greater than indicated by field measurements of N2O fluxes and molecular nitrogen (N2) was shown as the main nitrogen gas. It is hypothesized that soil pH is a crucial soil factor controlling the mole fraction of N2O: under slightly alkaline conditions in severely impacted soils, denitrification is completed and most of nitrogen escapes from the soil as N2; under more acidic conditions, however, the activity of nitrous oxide reductase is partly reduced.
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Persistent Organic Pollutants and Toxic Metals Measured in Emissions from Combustion of Waste Motor Oils
Tydlitát, Vratislav ; Pekárek, Vladimír
Report gives information about measured contents of toxic inorganic gases in emissions from combustion of two preheated and atomized waste oil mixtures from Diesel tracks. The content of toxic metal is under official limits. Total toxicities of PCDD/Fs and PCBs 0,308 and 0,142 ngTEQ.m3 respectively and the content 62 and 6 microg.m3 of polyaromatic hydrocarbons respectively were found in emissions from two waste oils. The content of sulfur, chlorine and metals in fuels were compared with the content of these polluted emissions. Comparison with literature data about similar fuels and emissions is presented.
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