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Úvěrová politika obchodních bank v letech 2008-2012
Vik, Martin
The thesis deals with access of commercial banks to the lending policy of households and non-financial corporations between 2008 and 2012. Objective of this thesis is to determine the specifics of lending to private entities (especially industrial enterprises) in the Czech Republic in relation to economic development between the years 2008 and 2012. In general, thesis describes lending policy of banks and the theoretical basis of economic development during the financial crisis. Further proceeds with the presentation of statistics development in the Czech Republic, which then compares with the development of the Visegrad Group and development in Germany and Austria. At the end provides a comparison of the factors that affect the access of households and industrial enterprises to obtain loan in the monitored period. Thesis also submit preconditions for the development of the credit policy for the Czech Republic
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Economic Research Bulletin (2014, No.1). Volume 12, Number 1, April 2014, Stress-Testing Analyses of the Czech Financial System
Česká národní banka
This edition of the Research Bulletin presents four articles that introduce the modelling framework of the various stress tests used regularly by the Czech National Bank. The first article focuses on the methodology of the current stress tests employed to assess the stability of the banking sector. It explains the links between the core and satellite models and how various adverse scenarios are generated to test the stability of the Czech banking sector. It also provides guidelines on how stresstest parameters should be calibrated. Concerns about liquidity played an enormous role in the recent financial crisis, and the second article therefore focuses specifically on the liquidity risk of the banking sector. It presents a well-defined methodology used also by other central banks, but tailors it to the specific conditions of the Czech banking sector. The third article presents a recently developed methodology for assessing the ability of Czech households to pay their debts. Using detailed household-level data, it quantifies how different adverse events, such as unemployment and higher interest rates on debt repayment, affect households’ incidence of becoming financially distressed. The fourth article introduces stress-test models for the insurance sector. It discusses the specificities of the stress tests developed for this sector. It also sets out how to extend these already advanced tests to align them with changes going on in the regulatory framework.
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Vybavenost československých domácností domácími spotřebiči v šedesátých letech 20. století
Sedlmajerová, Jana ; Szobi, Pavel (advisor) ; Chalupecký, Petr (referee)
My dissertation deals with the progress of consumer society in the 60th of 20th century in the Czechoslovakia. At the beginning of my work i try to theory of consumer society, everydayness and the free time in czechoslovak society. My aim is equipment of electric apparatus in the families and their importance for women's work in households. Especially I reply the questions, where and how the apparatus were sold, how was the quality of them and how much apparatus saved women's jobs. I analyse the availability of those apparatus for consumers/users. I compare amount, prices and design of home appliances in Czechoslovakia and abroad. My dissertation is based on the fact that in 60th of 20th century was very big increase of refrigerators, automatic washing machines, irons, hoovers, hairdryers, televisions and next smaller home appliances. I compare this growth with countries of Western Europe. My dissertation is based on studium of specialized monographs, articles and studies of czech and english provenance. But I also use the unpublished sources of institucional and personal characters (Archive of the National Technical Museum, the National Museum Archive
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The use of mathematical-economic methods to assess the development of savings and indebtedness of Czech households
TUREČKOVÁ, Denisa
This thesis uses mathematical and economical methods for the analysis of the development of savings and indebtedness of Czech households. The theoretical part defines basic terms, the financial market and its instruments, institutions and describes the types of credit and savings products. The practical part contains an analysis of the development of debt and household savings from 1995 to present. The last part of the paper compares the status of Czech households with other households in selected countries of the European Union. There are used data provided by the CNB and Eurostat.
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Financial behavior of households in the Czech Republic
Fričová, Martina ; Půlpánová, Stanislava (advisor) ; Rybák, Zdeněk (referee)
This thesis describes financial behavior of the households in the Czech Republic in the years 2004 till 2012. Object of this work was to notice the economic style of available financial resources from several points of view. First part of work introduces theoretical determination of households and their disposable income with characteristics of the final consumption expenditures and savings. Following part of thesis deals with the published results of researches with topics of households' financial behavior, with factors of influences of these habits and with structure of their financial portfolio. Last chapter presents results of final changes in their behavior by three different indicators (marginal propensity to consume and to save, households' rate of indebtedness and the development of personal bankrupts) during the reported period of time.
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Analysis of household´s incomes
NOVÁKOVÁ, Radka
The objective of this diploma thesis is examining the evolution of household´s incomes in two comparable periods and evaluating the changes in household´s incomes in the sorting by regions, size of municipality and by occupation of heads of households. This task was preceded by characteristic of household incomes, measure of incomes differentiation and determination of the poverty line. Next the objective of this diploma thesis is compilation a matrix of economic mobility. The practical part is devoted to analysis of incomes through basic statistical characteristics by regions, size of municipality and by occupation of heads of households. Further is measured income´s differentiation, determined the poverty line by the methodology of EUROSTAT and assembled the matrix mobility. In THE end all my reach results evaluated, which I made in the practical part.
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Environmentální a hospodářské efekty ekonomických nástrojů ochrany ŽP
Univerzita Karlova v Praze, Centrum pro otázky životního prostředí ; IREAS, Institut pro strukturální politiku, o.p.s., Praha ; Urban, Jan ; Ščasný, Milan ; Slavík, Jan ; Pavel, Jan ; Nevečeřalová, Iva ; Foltýnová, hana ; Brůha, Jan ; Jílková, Jiřina
Řešení projektu je rozděleno do čtyř hlavních částí (modulů). V prvním je provedena kategorizace nástrojů na ochranu životního prostředí a rešerše právních a jiných dokumentů mezinárodních organizací (ES, OECD), které se efektivností tržních nástrojů zabývají. Další část se soustřeďuje na domácnosti. Po teoretickém úvodu, kde jsou diskutovány přístupy k identifikaci faktorů, které ovlivňují spotřební chování domácností, jsou s pomocí ekonometrických metod odhadovány elasticity jednotlivých typů spotřebního zboží. Třetí část je zaměřena na kvantifikaci negativních externalit a je založena na metodice ExternE. Závěrečná čtvrtá část efektivnost tržních nástrojů poplatkového/daňového typu analyzuje z poněkud netradičního úhlu - z pohledu jejich administrativní náročnosti.
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Who borrows and who may not repay?
Bičáková, Alena ; Prelcová, Zuzana ; Pašaličová, Renata
In this paper writers use Household Budget Survey data to analyze the evolution of the household credit market in the Czech Republic over the period 2000–2008. They next merge our data with the Statistics on Income and Living Conditions in 2005–2008, which contain direct information on repayment behavior, in order to test the validity of the standard debt burden measure as a predictor of default.
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