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Investment into Dividend Stocks Traded on European Exchange Markets
Křižka, Adam ; Ulman, Martin (referee) ; Rejnuš, Oldřich (advisor)
The bachelor thesis is focused on an investment into dividend shares traded on european exchange markets, for expansion of an investment portfolio of a mutual fund. Theoretical part of thesis explains financial markets and their functions in economy, basic of colective investment funds. Fundamental, technical and psychological analysis methods for securities trading are also explained. The practical part is focused on comparison of selected dividend shares. The resulting comparison will be verified using a creditworthiness model. Final part is focused on a recommendation for an investment to update the portfolio of the selected dividend mutual fund.
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Analysis of the Creditworthiness of Vítkovice a.s.
Svatová, Ivana ; Cibulka, Jakub (advisor) ; Plíva, Rostislav (referee)
The aim of the bachelor thesis is to describe the methods used by the bank to determine the rating of client and to evaluate the creditworthiness of Vítkovice a.s. In the theoretical part of the thesis is defined credit risk and internal rating models of banks that are used in the assessment. Internal rating models vary from one bank to another. However, the basis for assessing the creditworthiness is the analysis of quantitative and qualitative indicators, which are explained in more detail in chapter three. The credit registers presented in chapter four also play an important role in assessing the client. In the practical part, the selected quantitative indicators are calculated. The results of the indicators are then compared with the sector. The conclusion of the work is a review of the company and a recommendation whether it is appropriate to provide the client with a loan.
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Suggestion of the own Housing Financing
Pecová, Zuzana ; Drtilová, Radka (referee) ; Škapa, Stanislav (advisor)
Bachelor thesis deals with the possibilities of own housing financing in the Czech Republic. It specializes in financing to developer project for a specific natural person the entrepreneur. Aims on individual types of loans used to finance housing and comparisons. It includes more detailed look at the mortgage loan, types of these loans, repayment method, maturity and conditions of obtaining. The practical part deals with the complications that can occur when the actual financing and contains a specific method of solution
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Company policy for electronical business - credit cards
Šulc, Vladimír ; Dvořák, Jiří (advisor)
This dissertation work deals with the subject of a company in the area of e-commerce, which represents short-term or long-term plans in controlling the financial relationship toward the outer environment but also inside the company. The problem of possible abuse of credit cards is briefly analysed as well. The impulse for choosing this topic was increasing number of falsification and abusing of credit cards. When this subject is analysed in detail, the problem connected with lack of information on this particular area of crime inevitably appears. Clients of individual banking institutions often do not have even the basic knowledge about the ways their cards could be abused or misused. This is why the question of certain, at least minimal, basic information campaign done by the banks, which are supposed to protect the financial means of their clients. This dissertation work sets its goal in creating the methods of investigation of credit cards abuse not only in the Czech Republic but in the growing system of countries of Schengen Treaty and European Union. The benefit of the work can be seen in the level of theory as well of practice. The theoretical part of the work contains the analysis of the current situation of scientific knowledge in the area of information and communication technology of companies, which is implemented into information systems. Then the advantages and disadvantages connected with this kind of e-commerce are assessed and the specific opportunities for abuse of these media of payment are characterised. The problem sees mainly in writing a specialised publication, which would deal with the problem of abuse and falsification of credit cards and its possible use would be at police academies. Its main part should be the characteristics of particular forms of cards forging and also possible identification of these forgeries. This book could also help in prevention and inform clients of financial institutions about the ways of credit cards abuse. In the practical part, which concentrates on the Czech and foreign market, the author sets the basic premises for realisation of safe business of companies in the Czech Republic and its procedures. Furthermore the reasons of e-commerce abuse in the Czech Republic are analysed and results of quantification research presented. This was concentrated on ascertainment of reason of low interest in information among the public. In the conclusive part of the work the whole problem is summarised and there are also outlined perspectives and possibilities of further development
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Financing Developer´s Project
Pecová, Zuzana ; Drtilova, Radka (referee) ; Zeman, Václav (advisor)
This thesis deals with the possibilities of financing a developer kind of project in the Czech Republic. It specializes on various stages of project implementation and on different types of credits to enable to fund the project and it also focuses on the conditions for obtaining them. The practical part of the dissertation shows the acquaintance and insight into a specific project, and potential risks that might arise during project implementation are also tried to be solved there. The thesis is affected by update changes in laws and it concludes with suggestion of a suitable project financing.
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Bank Loans of Enterpreneurs and Possibility of Obtaining in the Czech Republic
Kopecká, Tereza ; Hurda, Pavel (referee) ; Rejnuš, Oldřich (advisor)
The main aim of my diploma thesis is to choose the most sutaible option of loan financing of business activities of individual in simulated conditions. The first part is followed to summary of theoretical knowledges about loans issues which are loan analysis specifically interest, loan application, repayment, protection, risks and types of loans, then loan markets, loan unions and central bank and loans. The second part is aimed to analysis of specific cases of getting loans, morgages and leasing for entrepreneurs and citizens and it´s following evaluation. Then there is comparison of the best options. In conclusion of this part there are analysis and all the results of current situation of getting loans for entrepreneurs in Czech republic.
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Risk Management of Bank Credit System and Decision Making Process
Skovajsa, Radek ; Kryštof, Zdeněk (referee) ; Čižinská, Romana (advisor)
The theoretical part of this thesis describes the development of Czech banking sector, especially with emphasis on post-revolutionary rebirth within the new conditions of market economy. The following part demonstrates the decision-making credit account process of a bank on a particular case study based on the methodics and procedures leading up to maximal elimination of credit risk. At the same time, the author presents a partially modified internal opinion on a decision of particular business transaction. It is accented that every decision of a bank must comply with the regulations of CNB. The conclusion of the thesis affirms the maximal efforts of domestic banks to minimalize risks within their decision-making credit account processes, which is mirrored in current stability in the development of Czech banking sector.
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The evaluation of the client's creditworthiness
Ivašyna, Viktoria ; Cibulka, Jakub (advisor) ; Rajl, Jiří (referee)
The main aim of this bachelor thesis is to introduce some methods that use banks to rate the creditworthiness of their clients as an ability to repay a loan. This thesis focuses on the creditworthiness of a legal entity. In the theoretical part of thesis it is defined a concept of risk and it is explained a credit risk as well. Furthermore, there are presented some credit registers in Czech republic and rating (external and internal). In the chapter on internal rating models there are described the indicators of financial analysis which are used by credit analysts while assesing the creditworthiness of companies. In the practical part of my work stated methods are applied to the company Karlovarské minerální vody, a. s., the results are compared with average values in the industry and in the conclusion it is declared a recommendation whether bank can give the company credit.
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Evaluation of credit rating agencies and its influence on states and corporations
Exner, Martin ; Štekláč, Jiří (advisor) ; Misic, Viktorija (referee)
The bacholer thesis is focused on understanding the rating agencies and the effects they create the ratings on the rated Entities. Specifically, the sovereign states. Funding for the debt in recent years in both public and private finances are increasingly common. Investors make decisions about their investments based on information about the solvency of the debtor. Since rating agencies that assess the creditworthiness are very powerful entity in the financial market. In the thesis I will use historical statistical data to try to uncover the possibility of failure of rating agencies and to determine, how they are influencing entities, especialy sovereign states through sovereign ratings.
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