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Public debt and household debt
Kvasnička, Jan ; Schneider, Ondřej (referee) ; Gregor, Martin (advisor)
In this thesis, we analyse both the theoretical and the empirical determinants of household debt and public debt, or, more generally, the determinants of saving of these entities. A short survey of the relevant theoretical and empirical literature is presented in the opening chapters. In the second part of the thesis, the tax smoothing model is extended by abandoning the assumption of a benevolent social planner. The main result of the model is a demonstration of the fact, that voters can vote over public budget decits in order to shift relatively high taxation of income into periods in which their income is relatively low. Through this channel, changes in income inequality can be indirectly reflected in public saving.
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Alimony - what guides judge's consideration?
Trličíková, Michala ; Pavlík, Petr (advisor) ; Havelková, Barbara (referee)
One-parent families with minor children belong to households which are the most threatened by poverty. Most of these households are headed by women who must act as both caretaker and breadwinner. Part of the total cost associated with raising children is covered by alimony, but its amount is often inadequately low or not paid at all. Conditions for female sole wage earners are made even worse by their disadvantageous labor market position. As a consequence, a feminization of poverty occurs, and alimony can become a contributing element to reproducing inequalities between women and men. Alimony obligation is vaguely defined by the law, so the judge's consideration plays a main role in determining the amount of alimony. With this in mind, research interviews with judges were focused on views and procedures they make use of when judging. The analysis indicated a great divergence in their decision-making caused by insufficient unifying judicature. However, this lack of unity and its consequences was not adequately reflected by many judges in that they were satisfied with the present system and resisted proposed reforms. The neglect of a broader context of alimony and the adoption of fathers' or the state's perspective in preference to the one of women and children, whose interests judges declare to particularly...
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Correlation of the economic growth and consumption in the Czech Republic
Škorpil, Marek ; Čermáková, Klára (advisor) ; Mirvald, Michal (referee)
The topic of this work is the correlation of the economic growth and final consumption of households in the Czech Republic during the years 2000 - 2008. This work is concerned with the creation of income and consequent consumer behaviour of households. At the dawn of this period is possible to observe ambiguous trend of average propensity to consume (save) but from the 2004 the average propensity to consume (save) has declined (grown). The aim was to confirm the thesis that household derives its consumption not only from the income level, but also from the nominal interest rates. The presumption was not proved probably due to incorrect specification of the model. In this work, the relation between consumption and GDP is not tested directly, but by using the disposable income. On the basis of the successful testing of dependence between particular variables, this work tries to create a model of consumption dependent on the GDP and disposable income. Due to high collinearity between the independent variables, the presumption wasn't confirmed.
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Property insurance in the czech insurance market
Malcherová, Yvona ; Ducháčková, Eva (advisor)
The main aim of this bachelor work is the analysis of the inhabitants property insurance in the czech insurance market. Firstly, the property insurance content is defined and characterized for the fulfilment of this basic aim. Then, the possible forms of the property insurance products are analysed and finally, the analysis of the property insurance position in the insurance market of the Czech republic is performed, mainly in the structure of the general insurance products nad the factors influencing the insurance. The work is primarily aimed for the insurance of household and buildings from the individual points of view and it should provide some general summary of important necessary information and findings about this kind of insurance. At the end of the work the insurance products of our three biggest insurance companies are compared and their priorities, lacks and differences are emphasized.
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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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Czech households saving rate and its use on the capital market.
Chaloupka, Martin ; Ježek, Tomáš (advisor) ; Kubelková, Karina (referee)
The main question this master thesis wants to answer is how much from their disposable income the Czech households save and how do they use their savings on the capital market. The thesis analyse situation and trend of the Czech households saving rate, changings of the marginal saving rate and checks in which financial instruments the Czech households alocate their savings. The thesis also focus on comparison of the Czech households data with the foreign households especially with the German, the Belgium and the Britain households as well as with Visegrád group households. Middle part of the thesis contains a forecast of future progress, which is compared with the similar forecast from year 2006, as well as the relationship of the government and the household's savings rate and possibilities and impacts of its regulation.The thesis is finished with the conclusion which summarize the most important results.
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Secure filesharing on Windows
Tykal, Jaroslav ; Patočka, Mikuláš (referee) ; Yaghob, Jakub (advisor)
Connection to the Internet becomes common in many households. Many people use connection to Internet during their ways too, so the access to remote files is required more than before. The one of aims of this thesis is an analysis of available possibilities for network file sharing including their security considerations. Available possibilities include protocols such as SMB/CIFS, AFS, NFS, … and applications that offer other functionality instead of one of previous protocol implementation. The next aim is a draft of new protocol for secure file sharing. This protocol doesn't depend on any operating system. This protocol is implemented in Windows environment and supports active access to remote files.
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Indebtness of Households and Financial Markets Stability
Uhlík, Jan ; Rybáček, Václav (advisor) ; Kuhn, Petr (referee)
During last 20 years there was huge boom in the financial markets thanks to increase of household indebtness. This work studies acceleration of consumer and mortgage debt in EU, USA and Czech Republic during 1990 -- 2007. Due to liberalization and interest rate volatility there was an unprecedented increase of indebtness thanks to very low mortgage interest rates. Goal of this work is to analyze situation in countries, compare developments between them and find similarities which are typical for them. This works also focuses on financial stability in Czech Republic and influence of eventual insolvency on this stability. Besides households there is description of financial markets with mortgage securities and its possible threats.
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Draft investment plan households in the Czech Republic
Hlavsová, Eliška ; Hálová, Pavlína (advisor) ; Mach, Jiří (referee)
This thesis titled Draft Investment Plan Czech households is dedicated to the diversification of funds into investment instruments based on observed monthly net income and mandatory spending. The work is divided into two parts - theoretical and practical. The theoretical part describes the investment and savings tools and methodology for the calculation of the final amount of the saved and evaluated. The methodology of calculations, in the same part describes the procedure for calculating values achieved. In the practical part of the proposed plan of allocation of financial resources of households, which differ in the amount of monthly income and choice of investment strategy, but the structure is identical requirements. The aim is to design the appropriate tools that within this timeframe will assess household deposits in requested amounts.
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The bubbles on the asset market as the effect of monetary expansion and the impact to the real estate market
Koutníková, Andrea ; Jílek, Josef (advisor) ; Rybáček, Václav (referee)
This thesis focuses on the progress of the real estate prices and the growing debt of households in the Czech Republic. Real estate prices are an important indicator of an economic activity in economy. The question of the inhabitancy is fundamental for majority of households. There was recorded an expressive growth of self -- living in the real estate market and the mortgage credit market in past years. I identify individual factors which impact to the market and appoint their importance. For the analysis is important to set off the subjects on the market because each subjekt is determinated of individual factors with different intensity.
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