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COMPARISON OF THE INSURANCE MARKET IN THE CZECH REPUBLIC AND IN EUROPE
KABLÁSKOVÁ, Jitka
Main aims of the work The aim of this bachelor thesis was comparison of the insurance market in the Czech Republic and in several European countries: Austria, Belgium, Germany, France, United Kingdom, Malta, The Netherlands, Poland, Italy, Spain, Portugal, Luxembourg, Sweden, Greece and Slovakia. Subjects of comparison were premium (life and non-life premium),investments, employees and companies, concentration ratio and penetration rate. Second aim was to compare the products of investment life insurance in some insurance companies in the Czech Republic. These companies were Česká pojišťovna, a.s., Generali a.s. and Uniqa a.s. Results The important result for the Czech insurance market is finding that life premium income is much lower in the Czech Republic than in developed European countries. Strong growth of life premium income in developed European countries demonstrates the healthy economic environment. It also reflects confidence of insured in life products as an investment for pensions or as an alternative investment in a period of low interest rates, which offer a good return with a good guarantee of capital security. The result of this bachelor thesis is proposal for the new investment life insurance designed for the Czech insurance market.
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Real estate market in the Czech Republic and Great Britain
KABLÁSKOVÁ, Jitka
This diploma work is about real estate market in the Czech Republic and Great Britain. For comparison of these two markets and understanding how the current economic crisis has influenced them, I tried to compare the following indicators: house prices, inflation, average earnings, balance of trade, interest rates, homeownership and mortgage approvals. Housing bubbles in the USA have deliberately created the damage inflicted by companies shifting production abroad in an attempt to boost profits. As these bubbles burst, economic growth in many developed countries will inevitably tumble. Interviews with real estate and development Company in the Czech Republic and Great Britain helped me find out trends affecting property investment and its potentials. The marked factors which, I believe, will affect property investment prices now and in the future, are socio-economic trends, demographics, infrastructure, jobs and regeneration of the area. The property market has been changed from the market of supplier to the market of demander. Real estate and development Companies have to change their way of selling and offer complex and professional services. It is expected the real estate market will recovery slowly.
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