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Global imbalances and their solutions in the context of the current crisis
Rečka, Jakub ; Hnát, Pavel (advisor) ; Jiránková, Martina (referee)
This thesis deals with global imbalances in the world economy. Chapter one focuses on balance of payments theory, savings and investment. It also specifies global imbalances and presents the most important periods of their development. Chapter two analyses main causes of global imbalances and discusses the relationship between imbalances and current economic crisis. Chapter three describes current development of global imbalances, anticipated development in future and analyses possible solutions at national and international level.
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The analysis of banking products rewarding money of natural persons
Jírů, Zdeněk ; Moravec, Lukáš (advisor)
The bachelor thesis analyzes and compares banking products rewarding money of natural persons. The first part deals with the definition of entities offering these services. After that incorporates most commonly used deposit products into banking system and discusses their characteristics and their differences. The last section assesses the current situation of the client and offers him the best products occurring in the Czech Republic. It also mentions the differences in retail and private banking -states, according to what clients are ranked within each category, differs priorities, offered services, setting fees and revenues from the assets and emphasizes the individuality of private banking.
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Family finance in times of economic crisis
Horáková, Lucie ; Schönfeld, Jaroslav (advisor) ; Smrčka, Luboš (referee)
The global economic crisis, which we associate with the beginning of the U.S. housing bubble, greatly influenced the behavior of most economical subjects, including the family-household, which is the object of interest of the author. This paper seeks through comparison of macroeconomic indicators from the years before and after the crisis, to find, describe and explain these changes. Another goal is to prove the truth or falsity of selected economic theories dealing with economic behavior. Most relevant sources of statistics are made up of state institutions, notably the Czech National Bank and the Czech Statistical Office. Characteristic feature of this work is that it does not only consider economic aspects of the problem, but trying to describe the differences in behavior from a psychological perspective.
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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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Support for building savings
Švec, Daniel ; Urbánek, Václav (advisor) ; Kubík, Rudolf (referee)
In this bachelor thesis I have been dealing with the description of the most significant public expenditures, mandatory expenditures. The work studies the structure and the development of mandatory expenditures pointing at the state support for building savings. The first part of the work deals with different types of public and mandatory expenditures and also the definition for mandatory expenditures is given. In the second chapter I have been looking at the issue of building savings and the state support for building savings in Czech Republic. The development of basic indicators of building savings and the state support is shown in graphs and charts. The last part of the work deals with the analysis of the contemporary state on the building savings market in Czech Republic.
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Occupancy analysis of chosen area of public transport in Ústí nad Labem
Hrstka, Daniel ; Mervart, Michal (advisor) ; Matras, Tomáš (referee)
Main objective of this work is to introduce public transport in Ústí nad Labem and to create analysis and evaluation of service line 16 through own traffic survey. Information is obtained by counting people in buses and writing down records into counting form. Data are then processed in MS Excel, where the database is created and in which pivot table is made. Information from pivot table is transfered into well-aranged tables and graphs. Global indicators of supply and demand with maximum occupancy of the line are assessed first, then global stops and between stops turns are processed and finally graphs for each between stops turns for each line are made. In the end everything is assessed with variable costs and combinations of different solutions of potentially economical measures are looked up. Economical factors and negative impacts are taken in account and acceptable kompromise is being found.
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Is Criticism of Microfinance Qualified?
Polláková, Barbora ; Hudík, Marek (advisor) ; Chytilová, Helena (referee)
This Bachelor's thesis deals with reviewing legitimity of critics of microfinance in its three disputed issues. First of them is difference in considering the rightness of applying microfinancial services on poor population. The second issue judges responsibility of microfinance of "graduation failure". The third issue judges critics of micro-enterprising and micro-entrepreneurs. Inferences of reviewed critics are different. While some of the critics I find to be up-to-date, others I regard as inadequate and outdated. In conclusion I add my own remarks and suggestions to certain criticized problems aiming to improve its previous behaviour.
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Savings options for consumer sector
Tvrdík, Lukáš ; Radová, Jarmila (advisor)
The bachelor thesis presents the savings options, which are easily available for consumer sector in Czech republic. In 5 chapters there are 5 products presented: home-building savings, fixed-term deposits, saving accounts, pension insurance, saving on checking accounts and cash savings. The main objective is to analyze demand for chosen products and the volume of deposits.
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Impact of financial crisis on the family budget
Hora, Lukáš ; Smrčka, Luboš (advisor) ; Zámečník, Petr (referee)
Market swings influence not only companies, goverment but also households. In the days of the economic recession people perception this progress more than economic growth. Nowadays media have according as technology development major impact on consumer berhavior. In this bachelor's thesis I put one's mind to affection of world and Czech economic on families or person. It has connection with process of savings in the past 2-3 years in private sector. In fine I handle with intervention of goverment and thier efficiency.
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