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Comparison and relationships between selected demographic indicators in Czech Republic
Skalička, Radek ; Löster, Tomáš (advisor) ; Bílková, Diana (referee)
Bachelor thesis is focused on the comparison and the relationships between selected demographic indicators for the Czech Republic. First part is concentrated on characteristic of basic demographic indicators, further on description of used analysis method and also on brief description of surveyed regions of Czech Republic. Second part, analytic one, focuses on examining specific demographic relationships, their mutual relations and comparison using analysis of variance (ANOVA) and regression analysis (linear and multiple). These assays shown some very strong relationship (statistically significant dependences) between the demographic indicators, such as the numbers of divorces and the rate of unemployment, when unemployment significantly affects number of divorces.
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The use of the lognormal distribution in analysing of earning
Nedvěd, Jakub ; Malá, Ivana (advisor) ; Bílková, Diana (referee)
Object of this thesis is to verify the possibility of use the lognormal distribution as a revenue-distribution model. This text describes characteristics of lognormal distribution and methods of estimating its parameters. Thesis is focused on three-parametric lognormal distribution, because it is most common in this dilemma. Using data from Informational system of average earnings this thesis finds out quality of models. There are described options of usage the lognormal distribution in analyzing revenues. At the end of this essay is suggested an easy analysis of differences between revenue-frequency distribution in the years 2000 and 2010. The thesis demonstrates the fact that the curve of lognormal distribution density function is applicable model which is reliable especially in the wide central part of revenue-distribution.
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The health insurance system in the Czech Republic and neighbouring countries
Pinkeová, Jana ; Bílková, Diana (advisor) ; Löster, Tomáš (referee)
Thesis introduces the health insurance system in the Czech Republic and neighbouring countries. Currently the health insurance and health care itself is a very widely discussed topic, and that's why it is appropriate to analyze the total expenditure on health care, and the receipts and expenditures of the health insurance companies. By the help of the time series and smoothing by a suitable trendy function there are estimated individual expenditures and receipts in 2010, which have not been published yet. In the last part we compare the Czech Republic with neighbouring countries, how much they pay for health insurance, which is shown in the simple example, and how much they must pay at the doctor's.
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Insurance products associated with the operation of a motor vehicle
Štěrba, Michal ; Bílková, Diana (advisor) ; Sobíšek, Lukáš (referee)
This work examines two types of motor insurance, compulsory insurance of motor vehicles and accident insurance. The most important part regarding the premium compared to selected insurance companies, both compulsory insurance of motor vehicles and accident insurance. There is shown the dependence of insurance rates on many factors related to the insured person, the type of insurance and vehicle parameters. The work also included a program for calculating the price, according to the parameters for the five largest insurers, again for compulsory insurance of motor vehicles and accident insurance. Last but not least, there are shown various actuarial indicators. Some of them are trapped in a time series, of which mathematical model is modeled on past and possible future development. Work as a whole provides a possible candidate for insurance product information and appropriate insurance for his person and vehicle. Equally well serve for initiation into the issue of insurance products related to motor vehicle.
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Technical reserves in non-life insurance
Vild, Jiří ; Bílková, Diana (advisor) ; Žváčková, Lenka (referee)
One of the main and crucial activities of an insurance company is to determine amount of technical reserves to be generated. If the insurance company performs in the non-life insurance branch, it focuses first of all on loss reserve which is generated to settle debts coming from insurance claims. To set the proper amount of this reserve, especially of the reserve on incurred but not reported losses (IBNR), mathematical and statistical methods are used. This thesis introduces one of the most used methods which is the chain ladder method. It presents the first chain ladder deterministic model then moves to its stochastic extension in a form of Mack's model and finally gets to the Munich chain ladder model, which takes into calculations not only data on losses paid but also losses incurred. In the theoretical part both these models (standard Mack's chain ladder and Munich chain ladder) are presented both separately and in a common context so that later in the analytical section they could be demonstrated on real data.
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Analysis of the development of hotel business in the Czech Republic and neighboring countries and the impact of financial crisis in this area
Sakharova, Evgenia ; Bílková, Diana (advisor) ; Malá, Ivana (referee)
Hotel businesses in Czech republic has changed dramatically in last 20 years. Therefore, it is interesting to follow its development and see the most influential aspects in this area. However, so far there are none publicly available studies of Czech hotel industry development. The aim of this thesis is to explore the various phases the industry went through and point out those factors which influenced the current situation the most. First of all, the analysis of the development in Czech republic is presented. Consequently, the comparison to the neighbor states is discussed to show relatively how well or bad the business was evolving. The thesis is based on statistical models created with the software STATGRAPHICS and Excel. The gained results show that one of the main reasons of the current downfall is the ever higher market supply. On the other hand, the always blamed economical crises, proved to have lesser influence upon the downfall than originally expected. Finally, the thesis states the reasons of the decreasing occupancy and proposes an increase in the quality of service as a possible solution.
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Survival analysis - probability distributions and their characteristics
Plocová, Michaela ; Malá, Ivana (advisor) ; Bílková, Diana (referee)
This bachelor thesis is concerned with probability distributions that are used in survival analysis and characteristics of these distributions (survival function, hazard rate, probability density function, mean residual life). The aim of this thesis is to provide a summary of probability distributions and their characteristics, then to graphically represent them and show the shapes they can take in dependence on different parameters of distributions. The thesis is divided in 4 parts, the first three parts are mainly theoretical and they focus on general definitions of the characteristics, the most widely used distributions in survival analysis and mixture distributions. The last part is practical and focuses mainly on graphic representation of the characteristics for separate distributions and different values of parameters. Also, for each distribution measures of location and variability are calculated. The characteristics of mixture distributions are also graphically represented.
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Home insurance
Kalný, Ondřej ; Bílková, Diana (advisor) ; Meixner, Robert (referee)
This thesis concerns home insurance, with the main goal of raising awareness of this topic among both the public and specialists in the field. In reaching this goal, a wide range of statistical methods is used. The text contains five chapters. The first theoretical chapter deals with basic terms and an overview of the Czech home insurance market while the remaining four chapters concern practical aspects. From the four practical chapters, each deals with the topic from a different point of view. The second chapter deals with polls, the third looks at comparing different home insurance products on the Czech market, the fourth describes trends and forecasts of premiums and claims using a time-series analysis, and the last uses regression and cluster analyses to further describe this market. The set aim was reached using appropriate statistical methods and procedures. The analysis of the data received from polls, the comparison of different products and the creation of forecasts for further periods represent the biggest contribution to this thesis.
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Property insurance focused on building insurance and household insurance
Benešová, Jaroslava ; Bílková, Diana (advisor) ; Hájek, Petr (referee)
The graduation thesis focuses on two products of property insurance, building insurance and household insurance. The theoretical section shortly clarifies a base characterization of these two products. In practical part is a theory of insurance connect through different method of statistical analysis and actuarial calculations in order to detailed analysis of grade pointer, time series, influence factors identification or for purpose of international comparison. Following software were used to attain defined goals: MS Excel 2007, SPSS 13 for Windows, NCSS and Statgraphics Centurion. The mentioned analyses are based on real data which were made available by ČAP.
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Pojištění léčebných výloh
Pitipáčová, Marcela ; Bílková, Diana (advisor) ; Kouba, Petr (referee)
Tato diplomová práce je zaměřená na pojistně matematické výpočty z oblasti neživotního pojištění a aplikaci uvedených postupů na reálná data. Podkladem pro statistické a pojistně matematické analýzy jsou reálná data týkající se pojištění léčebných výloh. Cílem práce je charakterizovat pojištění léčebných výloh, analyzovat vývoj trendu předepsaného pojistného a nákladů na pojistná plnění v pojištění léčebných výloh u vybraných pojišťoven a provést předpovědi na následující období. Součástí mé práce je rovněž stručná charakteristika ostatních druhů cestovního pojištění, porovnání vybraných pojišťoven na českém pojistném trhu z hlediska jejich nabídky v rámci cestovního pojištění, a porovnání jejich podílu na trhu.
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