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The Youth Consumerism and Its Interdependency with Economic and Cultural Capital
Beránková, Petra Alexandra ; Šanderová, Jadwiga (advisor) ; Pašková, Miroslava (referee)
The work deals with the consumerism of thirteen and fourteen years old youths. The authoress aims to answer the question of what extent the observed age category seems to be consumer in their attitudes and whether their consumerist attitudes have an universal character or whether it is structurally related to their economic and cultural capital. At first the authoress briefly presents the consumerism as a sociological topic. She pays a particular attention to the impact of social stratification on the lifestyle. As her main theoretical basis she states a concept of homologous classes of Pierre Bourdieu, from which she incorporates the concept of economic and cultural capital as the main differentiating principles affecting the lifestyle. In addition she presents the characteristics of today's school children in the context of Czech society and mentions the role of socialization in the transfer of capital and consumption patterns from parents to their child. Finally, the authoress describes her approach to the analysis of data on attitudes towards the consumption in defined age category. She introduces readers to research results, which show the prevailing consumerism of monitored group. On the basis of correlation analysis, the authoress notes that there are significant correlations between indexes...
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The economic capital and the price of risk in a pension fund
Čupák, Matúš ; Finfrle, Pavel (advisor) ; Mandl, Petr (referee)
In the present work we study the economic capital of pension funds and their possible extension into the new concept of Solvency II. The main task is to examine the risks that are characteristic for pension fund activity. We use several modified stress simulations, which we model using a virtual model of pension fund. Primarily we focus on changes in net asset value (NAV) which is used in standard formula for calculation of the solvency capital requirement (SCR). In conclusion, we evaluate the possible impact of applications Solvency II to pension funds, the resulting economic capital and solvency of modeled pension fund.
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Social stratification in contemporary societies
POUZAR, Tomáš
This thesis concerns the topic of social class division in contemporary societies. Historical context of class division in modern western capitalistic societies is explained as well as determinants of social stratification and basic theoretical approaches. The core part of this work explains the changes of social class division during the transition to post-industrial society, which is compared to a modern BBC survey.
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Measurement of customers´ profitability in corporate banking
Vacek, Petr ; Šoljaková, Libuše (advisor) ; Wagner, Jaroslav (referee) ; Pražák, Patrik (referee)
The dissertation thesis aims to establish a complex theoretical basis for a measurement of customer's profitability which can be easily used in the practice. The main reason for that is the absence of such publication in the current academic sphere. A combination of management accounting and knowledge of banking enables to achieve the aim. The thesis itself is closely linked to the banking practice. There are derived customer's profitability indicators as modifications of the popular RAROC in which a customer margin is used instead of net profit. There is designed a simplified way of operational cost allocation. Questionnaires and interviews with senior representatives of seven Czech banks helped to identify the most significant labor-intensity factors of corporate customers. The description of principal features of risk costs and derivation of formulas for profitability variances are also the part of the thesis. The theoretical part is followed by the practical one where a contemporary banking practice of corporate customer's profitability measurement on the Czech market is explored. It identified three weak points -- cost allocation, profitability variances and one-year horizon of a calculation. At the end, the theoretical basis is applied on an existing customer portfolio and the result is compared with a currently used customer's profitability measurement.
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Credit risk and bank lending in the Czech republic
Kadlčáková, Narcisa ; Keplinger, Joerg
This project undertakes an empirical analysis in credit risk modeling using a data sample representative of bank lending to the Czech corporate sector. A rating system is constructed using a proprietary database (Creditreform) that provides a solvency index for a large number of Czech firms. Several methods for the calibration and validation of a rating system are described and tested in practice.
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Development of the concept of the capital adequacy in the Slovak banking sector
Cipková, Dagmara ; Půlpánová, Stanislava (advisor)
This bachelor thesis deals with the analysis of the development of the capital adequacy in the Slovak republic. It describes the adaptation of the calculation of the capital adequacy on the basis of the Basel I treatment, which gradually transforms into the Basel II methods, and briefly describes the new upcoming adaptation. The main body of this work consists of the methods for calculating the credit, the market and the operational risk, and the determination of capital requirements. Particular methods are described according to the individual adaptations in attention of the sequence exploitation. An attention is also paid to the short description of the three pillars of the Basel II. Global trend is supplemented by the information from the banking sector.
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