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Consumer Credit in the Czech Republic from the Client’s Perspective
Huleš, Matěj ; Hejda, Jan (advisor) ; Kaczor, Pavel (referee)
The aim of the thesis titled Consumer Credit in the Czech Republic from the Client´s Perspective is the analysis of the offer of consumer credit loans in the Czech market and an explanation of the basic problems of consumer credit. The first part explains basic information and theoretical concepts related to the issue. In the second part of the thesis, these concepts are put into practice and two model examples are used to explain the procedure for selecting a credit product that will meet the consumer´s needs. The section deals with the comparison of these products. Credit loans are subjected to the comparison in terms of total costs and sub-parameters of the loans, which affect the costs. Following the results of the comparison, the conclusion contains practical recommendations for consumers. The thesis results in a comprehensive educational text that will help anyone interested in consumer financial products to make their choice.
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Development of interest rates in the mortgage market in the Czech Republic between 2006-2016
Ditrichová, Gabriela ; Strejček, Ivo (advisor) ; Klement, Josef (referee)
This bachelor's thesis is focused on the development of interest rates in the mortgage market in the Czech Republic in the decade between 2006 and 2016. A strong economic growth between 2006 and 2007, which had positive effects in the mortgage loan market, was followed by a deep slump in the form of global financial crisis unleashed by speculations in the real estate market in the U.S. The main aim of the work is based on the development of mortgage interest rates and the significant factors that affect their amount - to verify or disprove the hypothesis that interest rates respond to changes of these factors. The results confirm the hypothesis only in certain areas. The influence of changes of interest rates has been proven in the case of inflation and discount rates by usage of the econometric model. Factors that have not shown a significant direct influence of interest rates may have an indirect influence on their change.
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The Controlling Study
Herda, Tomáš ; Mikovcová, Hana (advisor) ; Herda, Zdeněk (referee)
The main goal of this Diploma´s Thesis is to make a model for calculation of water and sewer rates for the company Vodovody a kanalizace Náchod, a.s. when sticking to the set criteria both from the side of VaK Náchod, a.s. and law regulations. Based on the theoretical part an analysis of customer sensitivity to the price changes using the data for last 20 years follows. Findings from the first two parts are used in risk analysis in next part. The created model calculates the water and sewer rates based on the information from the company accounting system in the way to generate sufficient financial resources to fulfill the renovation plan of infrastructural property plant and equipment and to transfer given amount to the company funds. In addition, the model monitors whether the legal condition of maximal allowable increase of profit per m3 is met. In the customer sensitivity to the price changes part the price elasticity of demand for water and sewer rates is calculated based on the data from 1995 to 2015. The assumption of inelastic demand is confirmed. Risk analysis part is deals with potential risk regarding the demand and prices. Potential impacts for the most significant risk are quantified. The analysis uses knowledge gained in the first two parts. It was confirmed that potential risks are exiting but do not have any significant impact on the going concern of VaK Náchod, a.s. The created model has been already used for the calculation of prices for the year 2017. Customer sensitivity analysis to the price changes and link to the potential risks is an additional information for VaK Náchod, a.s. which validates that nowadays, there are no significant threats which could affect the demand and water and sewer rates significantly.
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Project of starting a discount retail store in Stara Boleslav
Nováková, Jitka ; Fuchs, Jan (advisor) ; Cimler, Petr (referee)
This bachelor thesis deals with a possibility of starting a discount retail store located in Brandys nad Labem - Stara Boleslav. The theoretical part describes retail industry in the Czech Republic and also different types of retail stores and factors that affect them. Furthermore, the theoretical part also focuses on factors influencing consumer behavior in the Czech Republic. The practical section analyzes retail stores in Brandys nad Labem - Stara Boleslav. The thesis evaluates survey results with a focus on consumer buying behavior and preferred way of shopping in the area mentioned above.
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Impact of low oil and natural gas prices on the economy of Qatar since 2014
Šamánek, Ondřej ; Stuchlíková, Zuzana (advisor) ; Hasík, Gabriel (referee)
The bachelor thesis examines the impact of the oil and gas prices slump, which befell the world in 2014, on the economy of Qatar. The main objective of the thesis is to evaluate if and to what extend the price collapse influenced the relevant economic indicators and behaviour of the state and companies active in the affected field. The selected objective is examined using the method of data comparison, namely before and after the price slump, and with the help of the case study, in which the qatari company operating in the oil and gas is examined. From the conducted analysis it is possible to conclude that Qatar was directly influenced by the oil and gas prices collapse: its GDP slumped, fiscal deficit increased. The analysed company also experienced troubles caused by low prices: one year after the price slump, total amount of assigned tenders to company decreased substantially and historically high number of tenders was cancelled. Conclusions deriving from the thesis might be applied to other oil and gas export economies in the Persian Gulf, for fundamental traits of such economies are shared with the economy of Qatar.
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The capacity of the European Union to form a common foreign policy: The approach towards Russia during the crisis in Ukraine
Grycová, Adéla ; Rolenc, Jan Martin (advisor) ; Cibulková, Petra (referee)
The thesis deals with the issues of framing and europeanization of the foreign policy of the European Union in the context of an actorness of the EU. These two theoretical concepts are applied on the case of an approach of the Czech Republic and European Union towards Russian Federation during the crisis in Ukraine. The aim of this thesis is to find out if the European Union is capabble of affecting the behaviour of a member state in order to create unified and operational foreign policy. The first chapter deals with teoretical definition of the two concepts and detailed description of the stances of Czech Republic and European Union follows in the second one. On the basis of these chapters the assessment is conducted. The last part firstly concludes if any attempt of influecing is present and secondly the success rate of the attempt is evaluated.
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Analysis of the company environment
Hladík, Ondřej ; Dvořáček, Jiří (advisor) ; Strouhal, Jiří (referee)
This bachelor thesis deals with methods of analysing the company environment and then using these methods on a company Travel Service, a.s. The primary purpose is to determine main factors affecting the market position of this company. Methods used for analyzing the company environment are introduced in theoretical part of the thesis. For analysing the macroenvironment is used PEST analysis and Porter five force model is used for analysing the critical factors of macroenvironment. The thesis include SWOT analysis and recommendations for the company based on the collected informations.
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Design of processes of business department in IT company and measuring their performance
Schütz, Martin ; Oškrdal, Václav (advisor) ; Bruckner, Tomáš (referee)
The thesis deals with design of new processes of business department in IT company which provides server hosting, web hosting and domain registration services. These processes come from identification and analysis of current processes and the theory of business department management. Key Performance Indicators (KPIs) were set for selected processes which can be used for managing the company as a whole. Models of processes were created due to EPC notation. New processes were designed to continuously create data in CRM information system providing evidential and information support necessary for business department management, including the possibility of measuring its performance. Processes also automatize often repetitive activities and provide relevant information to other affected business units within the company. Contribution of the thesis lies in results of analysis of current identified processes containing solution proposals of discovered problems and newly created process models. Both can be used as a pattern for optimization of current processes in already existing organization or for designing new process models in new organization in the same or similar field of business.
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Optimal production strategy of the chosen company in the area of mechanical engineering
Brachtlová, Veronika ; Průša, Přemysl (advisor) ; Všetečková, Dana (referee)
The topic of this diploma thesis is "Optimal production strategy of the chosen company in the area of mechanical engineering" - namely the EUTECH join stock company, or more precisely its toolshop division, which deals with the manufacture of injection moulds, parts and production of special devices for aircraft industry. The aim of the paper is to evaluate, according to the defined factors, what is for the EUTECH join stock company more favourable - invest in purchase of the 5-Axis CNC machining center technology and deal with this process inside of the company or ensure this technology in cooperation with another companies. The thesis is divided into two main parts - theoretical and practical. In the theoretical part, the subjects of operation management theory and production are dealt with. The practical part deals with the production strategy of the EUTECH join stock company, or more precisely of its toolshop division in detail. The company is briefly introduced, the situational analysis of division toolshop is conducted and the production process of the company is examined. The final chapter deals with the use of cooperation in the toolshop division. The main and other factors affecting the choice of "product or sell" strategy are evaluated and consequently is decided which strategy is in case of the 5-Axis CNC machining center technology more favourable.
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