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Comparison of bank and non-bank consumer loans
Kubíková, Eva ; Půlpánová, Stanislava (advisor)
This bachelor thesis deals with consumer lending. It explains its legislation under the new law in force since 2011. It presents various types of consumer loans offered by Czech banks and non-banking institutions. Readers are familiar with the need for credit risk management. There are the current client information registers in the Czech Republic presented. It aims to compare the evolution of the volume of consumer loans in the banking and non-banking sector in recent years. It also examines the impact of financial crisis on this market.
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Consumer credit
Mohrová, Jitka ; Tuček, Miroslav (advisor)
Thesis is focused on consumer loans. On the introduction I described the division of loans, the personal bankruptcy, what it means to identify the client, the difference between APR and interest rate, what does the loan application and loan agreement. Further steps are described in outstanding loans as personal bankruptcy and consolidation loans. Followed by credit registries, their role in providing loans and debt developments in the Czech households. Finally, the chapter is devoted to the harmonization of laws on consumer credit in the EU and the conclusion is included a chapter devoted to lending practices.
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Leasing versus Credit
Hulíková, Hana ; Kozlová, Taťána (advisor) ; Stejskalová, Irena (referee)
The thesis deals with the characteristics of financial leasing and consumer lending, wals of bookeeping, tax burden, reflection of operations in financial statements and aboe all the analysis of diference of both variants. The output of this thesis is statement, witch of the financial methods is preferable a than comparison of different types of financial leasing.
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Customer lending´s in the Czech Republic.
Coufalová, Jana ; Jablonský, Petr (advisor)
This bachelor thesis focuses on customer lending's questions in the Czech Republic. The first part describes incentives to get in debt and legal characteristics of customer lending (contract essentials, types of loans, annual percentage rate of costs). Main part is dedicated to separate providers of customer lending on the Czech market both in theoretic description and particular loans'calculation. In conclusion it considers the trend of indebtedness in Czech Republic.
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The bank klient and his protection in Czech system of law
Cahová, Pavlína ; Půlpánová, Stanislava (advisor) ; Hradil, Dušan (referee)
The diploma work is concerned with the topic of bank client security, as a consumer and an investor, captured in the Czech law, incorporating elements of EU directives. The thesis defines terms of "consumer" and "investor", explains why they are considered bank clients and introduces reasons of their protection. It describes elements of bank clients' protection such as: deposit insurance (including comparison of foreign systems - Switzerland and New Zealand), consumer credits rules, payment system and Bureau of Financial Arbiter, personal information security and bank secret. The last chapter addresses investor protection, falling under European directive MiFID (Markets in Financial Instruments Directive).
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Comparing consumer's lending with bank's and non Bank's institucions in Czech Republic
Mrázková, Lucie ; Půlpánová, Stanislava (advisor)
This bachelor paper deals with nonpuropse, non-card, unsecured loans. It defines the fundamental terms related to these loans and determins force of relevant laws. It aims to compare the scale of various chosen banks' and non-bank providers' offered loans and to denominate some of the fees hidden not only in calculation of annual percentage rate of costs. It introduces the client information registry and outlines the procedure advisors use when approving a loan. At last, it accents consumer protection a predicts a folowing two year trend.
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Analysis of the progress of the insolvency of czech households
Dvorský, Aleš ; Smrčka, Luboš (advisor) ; Schönfeld, Jaroslav (referee)
The bachelor thesis is divided into two main parts. The part one deals with description of banking loan and non-banking loan market. Then main debt products are characterized. The analysis of a progress of an insolvency of czech households in particular areas of banking and non-banking market is made in the second part as well. This part also descripts trends in distraints and personal bakrupts. In the end of second part progression of deposits and household loans is shown. The finaly part containts internationally comparison of the insolvency of czech households and a conclusion.
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Bankovní klient jako spotřebitel a jeho ochrana v českém (evropském) právním systému
Cahová, Pavlína ; Bakulová, Stanislava (advisor)
Bakalářská práce se zabývá ochranou bankovního klienta, na kterého nazírá jako na spotřebitele. Důležitost ochrany je v neposlední řadě dána členstvím České republiky v Evropské unii. Do české legislativy jsou tak implementovány zákony, které zabezpečují ochranu klienta v rámci celého evropského společenství. Práce osvětluje, proč je bankovní klient řazen mezi spotřebitele. Uvádí důvody jeho ochrany a definuje nejdůležitější prvky ochrany, kterými jsou: pojištění pohledávek z vkladů, oblast spotřebitelských úvěrů, platební styk, bankovní tajemství a zmiňuje se také o informační otevřenosti.
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Analýza některých poplatků vybraných českých bank
Matějková, Hana ; Půlpánová, Stanislava (advisor) ; Daňhel, Jaroslav (referee)
Diplomová práce je zaměřena na analýzu některých poplatků vybraných bank na tuzemském trhu se zaměřením na retailového klienta. Jedná se především o srovnání tří nejvýnosnější bank, kterými jsou Česká spořitelna, ČSOB a Komerční banka. V úvodu práce je zpracována problematika bankovních poplatků a jejich důležitost při výběru banky. V další části jsem se věnovala různým druhům cen v bankovnictví a způsoby stanovení jejich výše. Nejrozsáhlejší část práce je věnována srovnání různých poplatků nečastěji využívaných bankovních produktů u vybraných bank. Jedná se o běžné účty, spořící účty, spotřebitelské úvěry a platební karty. Na závěr jsem zpracovala srovnání některých poplatků u České republiky, Velké Británie a Německa.
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