|
|
Debt trap: possible solutions of debt problems
Juppová, Tereza ; Angelovská, Olga (advisor) ; Ochrana, František (referee)
The thesis "Debt trap - the possibility of resolving the debt issue " is concerned with how the public policy of the state responds to the increasing indebtedness of Czech society and that address the causes and consequences of this debt. Features a history of borrowing money and significant impact on society interest in history and in the present. It also shows what causes can lead to debt and the consequences of over-indebtedness bears. Specific cases of clients with debt issues provides a chapter on the social counseling (Občanská poradna Plzeň - Citizens Advice Bureau Plzeň), which among other increasingly engaged in consultancy in the field of debt. The main part is the analysis of public policy events - it is a holistic approach to policy examined, the selected aspects, events, actors, goals. The analysis traces the development of indebtedness of Czech citizens and state intervention and non-state actors in this issue. Also evaluates the actors in this issue shows the complexity of the process of recognition of a social problem and highlights the influence of public interest and political culture of the state in the implementation of public policy. In conclusion, given the public attitude to the issue of debt in the Czech Republic.
|
|
|
Poor age - Growing over-indebtedness of persons in advanced age
Jandová, Pavlína ; Ochrana, František (advisor) ; Plaček, Michal (referee)
Western countries are facing an increasing poverty among seniors related to the demographic revolution and lengthening of life span. The so-called over-indebtedness is one of the "modern" causes and also consequences of poverty. This thesis discusses the relationship between over-indebtedness and poverty with emphasis on senior population (65+). An empiric analysis is employed to explore causes and consequences of over-indebtedness. The increasing over-indebtedness is already being targeted by public policies, however their effectiveness is low. Sufficient material and personal resources are lacking as well as not being optimally utilized. There is only limited cooperation between civil and public-law sectors. Communication with the private sector in a way of common goal setting is also deficient. In a fierce market-driven economy, elderly people become a weak link and find themselves in situations conflicting with morals, human and civil rights, and adequate quality of life in a modern society. This state of affairs threatens social integrity and demands a solution. Three participating groups were surveyed: the elderly, the employees of advisory centers and the non- bank financial institutions. Various approaches to solving the problem are discussed. The result of the analysis consists of a wide...
|
|
|
Overindebtedness connected to consumer finance - possible solutions and suggested precaution
Zelený, Martin ; Angelovská, Olga (advisor) ; Trlifajová, Lucie (referee)
This thesis is mapping current situation in the area of consumer lending, shows main reasons and impacts of overindebtedness and also its connetion to consumer lending. The target is to suggest appropriate regulation to lower the rate of overindebtedness, that exists in this area due to the absence of regulation in the area of consumer lending in Czech republic. Suggested regulation insures higher consumer protection and compact rules for all the partcipants on the consumer lending market. It also collects complex information about clients and their debt ratio. It has advantages for all participants.
|
|
|
Analysis of the trend of household debt in the Czech Republic in the period of 2000 - 2011
Kučerková, Zuzana ; Kotýnková, Magdalena (advisor) ; Pavlíček, Tomáš (referee)
The aim of this thesis is to analyze the level of household debt in the Czech Republic in the period from 2000 to 2011, causes of indebtedness and analysis of use of personal bankruptcy. The theoretical part is focused on economic, social and legal aspect of the issue of household debt. The practical part consists of analysis of statistical data describing the development of the level of household debt in the years 2000 - 2011 with the help of monitoring absolute and relative measuring indicators. Further analysis is carried out using of personal bankruptcy in the Czech Republic in the period from 2008 to 2012. On the basic of these analyses, this work suggests the ways to improve the situation of over-indebted households. Special emphasis is placed on the relatively new of vulnerable households - pensioners and it is also defined the causes of this phenomenon.
|
|
|
Joint property of married couples and insolvency proceedings: Study 5.318
Kavěna, Martin
Práce popisuje účinky insolvenčního řízení na majetek v SJM v případě úpadku jednoho nebo obou manželů, a to s přihlédnutím k aktuální odborné literatuře a judikatuře. Práce popisuje jednotlivé způsoby řešení úpadku manželů (zejména konkurs a oddlužení, event. reorganizace u OSVČ), vč. procesních otázek souvisejících s podáním insolvenčního návrhu a návrhu na oddlužení. Práce dále popisuje postup při uplatnění pohledávky náležející do SJM, jestliže jsou manželé v postavení věřitelů.
Fulltext:  PDF
|
|
|
Consumer loans and their impact on the debtor´s social situation
KOKEŠOVÁ, Petra
The bachelor's thesis entitled Consumer credits and their impact on the social situation of debtors investigates the causes and consequences of entering the credit contracts. Borrowing money becomes a risky phenomenon and has a very negative impact on the society. The theoretical part of the thesis describes the legal regulation of consumer credits and motivation of persons to enter them. It describes the causes leading to inappropriate indebtedness of persons, being normally not able to get a credit in view of their income. It refers to the facts stated in the business terms and conditions and practices of sellers and companies. Thanks to arrangements in the business terms and conditions which are an inseparable part of the contract and which are accepted by signing by the client, it may be agreed that a not paid claim may be ceded to a lawyer's company for collecting. In such a case, the debtor is obliged to pay also the costs of legal representation. The occurred claims are increased considerably by the court or arbitration proceedings. The people's low knowledge of this issue is confirmed also in the conclusion of bachelor's thesis. In the practical part of the research, three research questions were formulated: 1) Do the respondents use the consumer credits for the necessary subjects or services? 2) Does the company elaborates a financial plan for the borrower to estimate if he/she will be able to meet its obligation? 3) What impacts had exacting the claim on the social situation of the respondent or its family? 8 persons utilizing the services of Consulting Centre ? Equal Chances for Everybody operated by Jihočeská Růže o.s. took part in the research. The talks were performed individually and anonymously. The qualitative method of questioning and analysis of contents of documents deepening the research were applied. These documents were 315 credit contracts from a non-banking company which are handed over for collecting to a lawyer's office. The task of this thesis was to find out if the persons entering credit contracts behave maturely, if they think about the consequences of this behavior; if the inability to pay occurs only for external reasons or if these persons act rashly with the target to satisfy their momentary needs. The thesis shall research the purpose for which the households are inclined to enter credit contracts. I deepened this research also by the analysis of not paid credit contracts. By means of interviews with respondents I tried to describe the consequences of the financial burden of repayment of the claim on their life or life of their family. It was confirmed by the research that the concern are less necessary and more expensive goods. Lower share represented the credits for standard equipment of households. These goods were mostly electronics as notebooks and TV-sets. The talks with respondents confirmed also the statement that the credits are also used to pay the debts of another creditor. The respondents, who are not able to meet their obligations do not create any financial plans. This shows the low responsibility rate of these persons. Before entering the contract, they do not compare the products and do not ask about credit parameters. The research confirmed the prognosis of experts. The financial burden had a negative impact on the life of the family resulting in consideration of divorce. The respondents had negative psychological consequences manifested in the form of stress and depressions. The financial burden caused by collecting claims resulted in several cases in the inability to pay further obligations as e.g. housing. In one case, economic and cultural limitation occurred.
|
|
|
Professional Social Guidance to Insolvent Clients in České Budějovice
CÁBOVÁ, Markéta
The number of indebted people has been increasing recently, as well as the number of people who are not able to settle their debts falling into the debt spiral. When directly threatened by execution they turn to social service organizations dealing with debt issues hoping for their help. The goal of the thesis is to describe the issues of indebtedness in České Budějovice micro region. The aim of the work was to map the system of expert consultancy and the methodological process procedures in providing services to indebted clients in organizations providing debt consultation in České Budějovice.
|
|
|
Trends in Indebtedness of Czech Households
Kubátová, Klára ; Tuček, Miroslav (advisor) ; Gruber, Petr (referee)
The bachelor thesis deals with indebtedness of households in the Czech Republic. At first, specifics of consumer loans and mortgage loans, which are mostly used by households, are explained. The following two chapters are the main subject of the thesis. The evolution and structure of household indebtedness in recent years are analyzed in them, as well as some factors are evaluated that could influence the evolution of household indebtedness. The last part of the thesis is devoted to over-indebtedness and the issue of personal bankruptcies, the use of which has lately been growing.
|
|
|
Danger of Over-indebtedness to the Czech low-income Households
Kovář, Jan ; Půlpánová, Stanislava (advisor)
At first the bachelor thesis discusses the meaning of the term over-indebtedness in the Czech Republic. It is defined as such a financial situation when the subject is unable to fullfill its financial obligations. The work furthermore represents possible solutions for people who found themselves in this situation. The second part examines whether the 20 % of households with the lowest income are more threatend than the others in a few last years and whether they are leading to a debt trap. It deals with the comparison of basic data, which are revenues, expenses, debts and savings among different income groups and also among a few last years. Main conclusion of the thesis is that the financial position of this group of Czech households is stable and not leading to over-indebtedness.
|
|
| |
guest ::
