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Appraisal credit analysis as a tool for reducing credit risk
Kadlčková, Šárka ; Blahová, Naděžda (advisor)
This thesis deals with the bank's credit risk, its characterization and classification, followed-up by methods and tools used to its managing and reducing. The methods used refer to credit rating, credit scoring, credit registers and qualified estimation as subjective assessment element, which is further analysed in detail. In the theoretical part, the thesis defines factors impacting the business risk and provides view on financial risk evaluation. The analytical part deals with specific model credit risk assessment of the selected subject, based on techniques described in the theoretical part. In conclusion, there is evaluation of using various methods and their importance in practice.
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Credit Risk Management In The Lease Company
Koďousek, Tomáš ; Půlpánová, Stanislava (advisor) ; Teplý, Petr (referee)
This thesis is focused on the credit risk management with special orientation in the lease companies. Firstly, the basic risk features are defined, the general risk management process is explained and risks which the lease companies are exposed to are classified. The main theoretical part analyses the features of the credit risk important for the credit analysis, i.e. the classic approach to the evaluation of the borrower's creditworthiness. The theoretical part is the basis for the practical part within which the analysis of the credit risk management process in the lease company is performed, including the case study analysis.
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Credit risk management in multinational company
Kaňok, Dalibor ; Taušer, Josef (advisor) ; Talavášek, Petr (referee)
Thesis is providing an overview of available theoretical and practical piece of knowledge related to Credit risk management in a non-banking international organization. It focuses on international aspects of the business, underlying risk, its determination and mitigation. Described methods are then applied to real-life risk assessment of particular customer.
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The credit risk management during the process of extending credit
Čedíková, Gabriela ; Půlpánová, Stanislava (advisor)
The subject of this bachelor thesis is a credit risk, which I try to define, as well as some other risks, that are threatening the banking institutions. I also address its management during the process of extending credit by a bank. This procedure has several important phases, which include evaluation of creditworthiness of a client. It depends on a character of the client and the type of the provided credit. The bank evaluates specific characteristics and information, which can be acquired from example from one of the four Credit Bureaus operating in the Czech republic. Important part of the management is formed by creating adjusting entries, that are used for covering of incidental losses in the case of client's failure. This process is partially influenced by the Czech National Bank, in the role of regulator and supervising authority. The last big changes on the part of CNB were made by accepting the Basel II concept, which revises for example measuring of the credit risk. Even if all the prescribed requisities are followed, the approach of every bank is different. As an illustration I show the processes of Ceska sporitelna.
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Credit risk management and business cycle
Kubesa, Lukáš ; Jílek, Josef (advisor) ; Munzi, Tomáš (referee)
This diploma thesis -- Credit risk management and business cycle -- is divided in four chapters. The first explains the purpose of bank as the financial intermediate and the main financial risk, which may results from its activities. The second part describes the theory of business cycle from the view of the main economic schools and clears up the problems of price bubbles on assets markets. The third part analyses the models and methods of credit risk management in the financial institution and the roles of regulatory authorities including the influence of Basel II. The last part concerns about credit risk development in bank sector in the Czech Republic including the ČNB macroeconomic credit risk model. The main focus is how the changes in business cycle development influence the credit risk.
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Credit risk management v leasingové společnosti
Fabík, Peter ; Marek, Petr (advisor) ; Brabenec, Tomáš (referee)
Práce pojednává o řízení rizik v leasingové společnosti. Popisuje proces hodnocení bonity klienta a faktory ovlivňující schvalování obchodních případů. Charakterizuje ratingový a scoringový model v konkrétní leasingové společnosti, hodnotí jejich nedostatky a navrhuje změny na jejich vylepšení. Obsahuje i praktický příklad komplexního hodnocení obchodního případu včetně posouzení bonity klienta prostřednictvím ratingového modelu a nástrojů finanční analýzy.
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