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Loans used to finance housing needs
Součková, Barbora ; Půlpánová, Stanislava (advisor) ; Zetek, Pavel (referee)
The thesis is focused on loans for the financing of housing needs (mortgage loans, construction loans and consumer loans on the property). The work deals with the important parameters of each product. In particular, the definition of the purpose of financing, interest calculation, interest rate guarantees, collateral, repayment duration. Furthermore, the work focuses on state aid granted in these products, as well as credit risk, which is the issue of lending inextricably linked.
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Financial support of export in the Czech republic and Italy
Šoltésová, Katarína ; Půlpánová, Stanislava (advisor) ; Zetek, Pavel (referee)
The state financial support of export is a part of the general economic policy of many countries. The thesis describes and compares systems of state financial support of export which are provided in the Czech republic and Italy, presented by specialized institutions (Česká exportní banka, Exportní garanční a pojišťovací společnost, Societa Italiana per le Imprese all' Estero, Istituto per i Servizi Assicurativi del Commercio Estero) and export strategies of both countries. Different aspects of comparison are the campaign and accessability of information, the institutional comparison and the pro-export strategies one. It is important to have well-structured and institutionally secured system of the state export support. The global crisis was an impulse for both countries to provide even more effective help to their international trade entrepreneurs.
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Analysis the impact of financial crisis on the banking system in Kazakhstan
Kaimova, Nadira ; Dvořák, Petr (advisor) ; Zetek, Pavel (referee)
The diploma thesis analyzes the impact of financial crisis, the decline in the economic system of Kazakhstan and in particular the impact on the banking system. The work is divided into three parts, which analyzing the impact of the crisis on the economy in the world and Kazakhstan, on the banking sector, and each chapter is accompanied by recommendations for their solution, and the overall summary. The first chapter defines the concept of financial crisis, disassembled typology and their origins. In addition, it is characterized by economy, banking and financial sectors in Kazakhstan and cause a crisis in the Republic. The second chapter analyzes the impact of financial crisis on the banking system in Kazakhstan, including an analysis of the banking sector itself. Subsequently, is evaluated the impact of the crisis by monitoring of bank assets, the quality of loans, deposits, foreign debt and rating. The third chapter is devoted to the consequences and lessons for the economy and banking sector of Kazakhstan and the various approaches to solving the crisis in the countries of the Commonwealth of Independent States. At the conclusion of the work were reviewed and accepted hypotheses set out in the introduction.
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Possible options for financing the housing needs
Prachařová, Petra ; Zetek, Pavel (advisor)
The aim of my work is to acquaint the readers with options of home financing. The first chapter features the prons and cons of housing rent and living in your own. Most of the work is devoted to theoretical definition of two products, which are most frequently used in case of financing of living in your own -- building savings and mortgage loan. Relevant legislation, rules for granting and other necessary information are mentioned in both products. Theoretical knowledge is transferred into practise in model situation. Generally it can not be definitely identified, which option of financing is preferable. In described, concrete case the mortgage works out cheaper from the perspective of monthly income.
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Islamic banking
Pak, Viktoriya ; Zetek, Pavel (advisor)
The thesis is focused on introduction of Islamic banking system. Morover part of the work is devoted to a detailed description of the history of Islamic banking, on explanation of the principles on which the banking system is based. Also are analyzed in detail the basic Islamic banking products. And at the end are presented the advantages and disadvantages of the Islamic banking system.
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Microfinance
Pekař, Jan ; Zetek, Pavel (advisor)
The bachelor thesis parses the topic of microfinance. It provides information about the history and development of microfinance, as well as the emergence of different social attitudes and schools of thought. Also depicts the process of microfinance, from the investment decision, through the consumption of microcredit by an actual client, to final investment revenue. The thesis defines all the subjects involved in this process and describes the procedure. The analysis also refers about problems connected with microfinance, emphasizing lack of regulation and non-existing standards. The final part of the study offers possible solution of the situation, designed to lower costs of microfinance and at the same time higher it's reputation among public.
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Electronic Banking
Bessenyey, Ilona ; Zetek, Pavel (advisor)
This thesis deals with the electronic banking and issues related to direct banking. It analyzes the spectrum of direct banking products offered by the Czech banking sector, such as payment cards, telephone banking, mobile banking, internet banking, PDA banking, self-service banking area and television banking. The thesis also describes the risks of direct banking and tries to predict future development of electronic banking.
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Money Laundering
Polakovič, Martin ; Zetek, Pavel (advisor)
Money laundering is a process, by which criminal organizations try to declare the origin of their income as legal. The process of laundering could be very sophisticated, but according to the fact that money come from illegal activities, process itself is illegal as well. I try to explain, outline and mention possible indicators and signs of such process. I analyze most frequent and common methods and describe possible ways of detection and restrictions. This problem appeared in the last century and was related to globalization, lessening of rules in international trading and new cheaper and faster ways of transportation. Money laundering is a "living" process, that still adapts to new situations and technologies.
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Microfinance and microcredit in developing countries
Harmincová, Zuzana ; Zetek, Pavel (advisor)
The main aim of the baccalaureate thesis is to summarize the available knowledge in the field of microfinance and microcredit in developing countries and assess the effectiveness of microfinance institutions sorted by type. The thesis also deals with the increased incidence of moral hazard on both sides of microfinancial services, resulting in a considerable emphasis on barriers to entry the microfinancial market, regulation and supervision of microfinance institutions and an appropriate legislative framework. Despite the fact that previous research works of the impact of microfinance on the standard of poor inhabitants' living are mainly focused on the economic side of the issue, the thesis assesses the impact of microfinance on the other (e.g. social) aspects of life. In accordance with quantity of published research documents, author states higher efficiency declared by non-profit microfinance institutions, as well as greater social benefit of such institutions and organizations.
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