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Financial Literacy in the Czech Republic
Volánková, Kateřina ; Votava, Libor (advisor) ; Zavadilová, Jana (referee)
The aim of my thesis is to outline the current situation of the issue of financial literacy of the population in the Czech Republic. It pays attention to the theoretical aspects of financial literacy from many angles. The practical part is focused on the possible consequences of financial illiteracy and their consequent effects on individuals. The outcome of my work is the proposal how to use the basic tools of the state to achieve financial literacy.
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Economic and social aspects of overindebtedness of households in Czech Republic after 2000
Švec, František ; Jílek, Josef (advisor) ; Řežábek, Pavel (referee)
The thesis deals with the issue of excessive debt of households. In the first part the analysis of development of indebtedness of households was made and it was found out, that consumer loans are the most risky. Consumer loans are associated with the highest ratio of defaulting loans and are the leading cause of bankruptcies of individuals in the Czech Republic. The following chapter analyzes institutional environment of credit market and detects current weaknesses. These weaknesses consist in insufficient oversight of nonbank provider of consumer loans, absence of upper limit of annual percentage rate for consumer credit and credit availability to risk groups of households. Another cause of overindebtedness of households is insufficient financial literacy in Czech Republic. The reduced consumption has been identified as the most significant impact of overindebtedness of households. It is caused by transferring funds from households with a higher propensity to consume to households with a lower propensity to consume. Lower household consumption leads also to lower government revenue collected through the value added tax. Another economic impact we can see for example in increasing poverty of households, increasing criminality, higher government spending on health care or potential political radicalization. The thesis results are proposals of legislative measures that would mitigate the economic impact of overindebtedness of households. These measures lie primarily in the regulation of consumer credit market and greater consumer protection. The specific options are an extension of supervision by the Czech National Bank on nonbank providers of consumer loans, determining the upper limit of annual percentage rate, more thorough application of the legal obligation to examine the ability of borrowers to repay loans. Another option is to reduce the limit of 30 % of paid-up commitments in insolvency law.
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Finanční gramotnost žáků víceletého gymnázia
Nováková, Kateřina ; Votava, Libor (advisor)
The diploma thesis "Financial literacy of pupils at grammar school" deals with the attitudes of students to the issue of financial literacy and the level of their knowledge. It focuses on individual components of financial literacy and key factors which influence and shape the students' knowledge and attitudes. Comparing available literature sources the definition of financial literacy is discussed in the theoretical part. The theoretical part also includes the way financial education is regulated in the Czech Republic. The practical part using a descriptive statistical analysis presents results received from the questionnaire distributed among pupils of the grammar school. Based on the results four hypotheses were set and their validity is tested. The evaluation and discussion parts are incorporated in the work.
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An Analysis of Family Finances of Selected Employees and the Way out of Debt
Kratochvílová, Pavla ; Smrčka, Luboš (advisor) ; Strouhal, Jiří (referee)
The present diploma thesis deals with the indebtedness of employees of a selected company and the ways to help these employees. The main aim of the thesis is to analyze the present situation of the respective company in terms of foreclosure of its employees and, based on this, to propose possible solutions which might help to improve the financial situations of these employees. The sub-aim of the thesis is to define the reasons for indebtedness as well as to assess the level of financial literacy of selected employees. The thesis is divided into two parts: a theoretical and an analytical one. The thesis uses the following research methods: analysis, semi-structured interview, written questionnaire and secondary document analysis.
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Household debt in the Czech Republic
Ullrychová, Jana ; Smrčka, Luboš (advisor) ; Strouhal, Jiří (referee)
The Master's thesis deals with the indebtedness of Czech households. The thesis is divided into theoretical and analytical-practical part. The theoretical part deals with the home economic activities and lending. In the analytical-practical part the author describes the evolution and structure of loans provided to households between 1993 and 2014. The debt ratio is appraisaled in relation to bank deposits, net disposable household income, GDP, national debt and compared with households in the EU. In final the author runs to the conclusion that the current level of debt of households is not any problem for the economics and that there is not any danger of the rapid growth of indebtedness nowadays. Ability to repay debts is not too high as evidenced by the increasing number of executions and personal bankruptcies. The cause of difficulties is the low financial literacy of citizens and irresponsible approach to lending for both the creditor and debtor side.
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Financial literacy in secondary education
Šuleřová, Nikol ; Krpálek, Pavel (advisor) ; Rotport, Miloslav (referee)
The aim of the thesis is to evaluate the state of financial literacy at the Masaryk Business Academy in Rakovnik and make academic recommendations to improve financial literacy education at this school. This thesis consists of two parts. The first part explains the theoretical concepts of financial literacy and assesses the state of financial literacy in the Czech Republic. The second part is about Masaryk Business Academy in Rakovnik. There is general information about the school, teaching financial literacy and the level of comprehension with regard to financial literacy of students at this school. This part also contains suggestions to improve financial literacy at the Masaryk Business Academy in Rakovnik
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Studie úrovně finanční gramotnosti v České republice
Hrabovská, Marie
HRABOVSKÁ, M. Study of the level of financial literacy in the Czech Republic. Bachelor thesis. Brno: Mendel University, 2014 This bachelor thesis aims at providing an analysis of projects and activities promoting financial literacy in the Czech Republic. As a first approach, this paper deals with a general introduction to the topic of financial education and the characteristics of organizations which are involved in this field. It is based on criteria which help making comparison between the activities developed in the Czech Republic and the Kingdom of Belgium in favour of financial literacy. As for a conclusion, the last part of this document evaluates the level of awareness of financial education in both studied countries and is followed by recommendations.
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Ochrana klienta bankovních (pojišťovacích, investičních) služeb
Konečná, Jitka
This diploma thesis is dealing with issues of consumer protection in area of bank services, namely in area of protection of a depositor and protection of a debtor. Theoretical part deals with legal protection of bank consumers in Czech Republic and in EU, ethical code and financial literacy of consumers. Practical part is divided into two parts; first one is devoted to specific cases widened by compiled results of a questionnaire survey. Second part is dealing with a test of financial literacy. The survey is analysed in this thesis. There will be a set of recommendations regarding bank consumer protection at the conclusion.
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Finanční gramotnost jako nástroj pro snižování zadluženosti domácností
Čiklová, Veronika
This bachelor thesis deals with the indebtedness of Czech households and the level of financial literacy of the Czech population. The theoretical part describes the de-velopment, structure, negative impacts of the indebtedness and, in particular, the main economic factors affecting loans to households. Further work identified rela-tionship between indebtedness and financial literacy and described steps taken to increase financial literacy through financial education. The core of the work is the analysis of the impact of selected factors on household indebtedness. Based on re-sults is predicted future development of the indebtedness of Czech households and also are designed recommendations to increase the financial literacy of Czech households.
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