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Banking transactions and their legal regulation
Nevrlý, Lukáš ; Kotáb, Petr (advisor) ; Dřevínek, Karel (referee)
/ Banking transactions and their legal regulation The aim of my diploma thesis is to analyse banking transactions and to inform about their substential elements, legislation in the Czech legal order and business conditions used by banks. I did not explain all the kinds of banking transactions conducted by banks in this diploma thesis due to their extensive range, but I just focused on the most important transactions in my point of view. The thesis is composed of four chapters, each of them dealing with different aspects of banking operations. Chapter One is introductory and defines basic facts about banks and legal conditions of their running activities. The chapter consists of three parts. Part One focuses on concept of banking transactions. Part Two investigates divisions of banking transactions and Part Three addresses the issues of bank as an entrepreneur. It also describes relevant legal regime necessary to obey to perform banking transactions and question of acquiring banking licence. Chapter Two is subdivided into two parts and provides explanation of active banking transactions. Part One illustrates single credits, which are subdivided into five parts focused on credit bureaus, residential and commercial mortgages, consumer credits, current account credits and discount credits. Part Two...
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Transfer of ownership right to land
Němečková, Petra ; Drobník, Jaroslav (advisor) ; Franková, Martina (referee)
1 Abstract Transfers of land ownership This thesis provides a clear and comprehensive explanation on the transfer of land ownership and institutions associated with this issue. Land from other things in the legal sense is so different that it raises the need to create specific legal regulations, which contain the basic institutions and principles of land law. The special nature of the land is determined by its specific characteristics that distinguish it from all other things. Although it has a long tradition of land ownership, it has still not developed it's uniform and comprehensive legislation. General law for the transfer of land ownership is a civil code. Special regulations are cadastral law and the law on registration of ownership and other rights in real estate, the law on transfers of agricultural and forest land, Land Act and others. Due to the adoption of a new civil code, there are some places to identify and compare to the current legal system, and possible adjustment for the future. The thesis is divided into four parts. The first part contains general characteristics of land ownership, and describes its object, subject, content, institutions and basic concepts that are associated. The second part deals with various ways of transfer of title to land. The basic meaning of transfer is when the...
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Banking transactions and their legal regulation
Sivý, Milan ; Kotáb, Petr (advisor) ; Kohajda, Michael (referee)
English summary Banking The main objective of my thesis is to survey characteristics of legal and economic status of banks in the Czech Republic and legal relations resulting from interactions between commercial banks and their clients within the term banking. This thesis is composed of four chapters. The first chapter concerns legal and economic status of banks in the Czech Republic, structure and system of banking, banking franchise and bank management. The second chapter is related to characteristics and systematization of bank products, business secrets, prices of bank products, banking risks and supervision over banking transactions. The third chapter of my thesis touches upon the first main category of banking, which is deposit banking. The relation between the bank and its client is that of the debtor and the creditor. In the chapter I discuss the possibilities of a bank to acquire money from a client. Firstly the bank can save money on current accounts or saving accounts. Secondly issuing bank securities is another possibility for a bank to acquire money from its clients. Bank bonds or deposit bills of exchange are cases in point. In the last chapter I focused on the second main category of banking, bank credit products. Clients obtain credits from banks and as a result the bank is in the position...
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Banking transactions
Kolařík, Jakub ; Kotáb, Petr (advisor) ; Kohajda, Michael (referee)
Englishsummary Banking The main goal of my thesis,,Banking"is to explain the meaningof this word and how are the legal relations,which resultsfrom interactionsbetweencommercial banksandclientswithin thetermbanking,regulatedin the Czechlegalorder. However,I didn't dealwith all the kinds of bankingin the thesis,but I focused on the two main categoriesof banking,which aregenerallyusedby ordinarypeoplethe most.Thesetwo categoriesarethedepositbankingandthe creditbanking. This thesisis divided into five chapters.The first chapteris relatedto the term bank andits legal definition,becausebanksareusuallytypical andthe main subjectsof bankinglegalrelations. The second chapter concernsa definition of banking, explains this term and severalpossibilitieshow to divide banking into severalcategoriesdependingon the different aspectsareincluded there. In the third chapterof my thesis,I focusedon the first main categoryof banking, which is depositbanking.The bank is in the role of the debtorin relationto its client. The first option,how bankscan acquiremoneyfrom the clients,is the form of savings on currentaccountsor savingaccounts.The secondpossibility for the bank is to issue bank securities.The examplesof the bank securitiesarebank bondsor depositbill of exchange. The fourth chapteris focusedon the secondmain categoryof...
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Modelling of fouling and its influence on technical-economic characteristics of tubular heat transfer equipment in units for thermal processing of wastes
Keliš, Michal ; Kohoutek, Josef (referee) ; Jegla, Zdeněk (advisor)
The main subject of this study is the improvement of predicative ability of previously developed mathematical model for prediction of so-called “fouling critical velocity”. Attention is devoted especially to the flue gas side fouling process on active heat transfer surfaces in tubular heat exchange tube banks installed in waste incineration process plants and also a technical – economic analysis based on obtained results. The model improvement consists among others in taking into account another forces (electrostatic, capillary etc.) haven't yet been considered, which influence the mutual contact between flue gas particles in case of sedimentation fouling or the contact between particles and heat exchanger tube walls respectively. The improved model has therefore more predicative ability to the reality of fouling process. The results are used for technical – economic analysis, which determines an optimal heat exchanger design with respect to fouling. Furthermore, the algorithm of this analysis, essential fouling mechanisms, fouled heat exchanger surface cleaning methods as well as fundamental knowledge of fouling coefficient prediction are presented, whereas the emphasis is placed on industrial tubular heat exchange equipment installed in waste incineration process plants.
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The lease agreements
Melišová, Tereza ; Spirit, Michal (advisor) ; Votava, Tomáš (referee)
The bachelor thesis is concerned with the issues of the lease agreements, it is particularly focused on the lease agreements of flat. The introductory part deals with the historical development of the institute of a lease contract. The main part is dedicated to the current legislation of the lease agreement, rights and obligations of the contracting parties. The thesis clarifies next special types of the lease agreements and also the most frequent problems arising during the lease of a flat from the side of a lessee as well as from the side of a landlord. The practical part is devoted to the analysis of the lease agreements commonly used in practice.
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Writing instruments in the real estate from the perspective of the new Civil Code
BEDNÁŘOVÁ, Michaela
The theme of this thesis is "Writing papers in the real estate from the perspective of the new Civil Code." The work focuses on what changes occurred in 2014, when he entered the effectiveness of the new cadastral law, land ordinance and the new Civil Code. The first chapter deals with the cadastre and points to the new changes that brought the 2014 big benefits. The second and third chapter focuses on the deposit and record. At the end of this thesis is a summary of where I suggest improvements to the existing law.
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Analysis of the children's accounts in the Czech Republic
BARTUŠKOVÁ, Veronika
The bachelor thesis is devoted to the issue of children's accounts in the Czech Republic. The theoretical part deals with banking, bankbooks, basic concepts and accounts universally. The practical part is focused on the specific amounts in the seven institutions, the effective distribution of the financial amount and building savings.
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The records of the material rights to the real estate register
PETRŽALA, Tomáš
The work containst history of real estate register. Status of land registries. Explanation of basic terms according to real estate register. Adjustment of material rights in civil code ? proprietary right and other material rights. Explanation of terms deposit, entry and note. Legal adjustment of decision-making about deposit permission and entry agenda. Ways of decision-making in land register ? proceeding interruption, proceeding stoppage, condition analysis for deposit permission, decission about deposit permission, decission about proposal denial. The target of this work was to bring a brief description of legal relations records to the real estate register and to clarify the variances between particular record forms. The target also was to bring statistics of Czech Republic vs. South Bohemia District, or rather land registry Třeboň related to South Bohemia District. I also give in my work results of my observation and investigation (research) of selected files (facts) focused on deposit activities at land registry Třeboň. After that I evaluate results of my research, including particular incorrect cases I found. There is an example coneccted to the work ? decission of land registry Třeboň. Choosing of particular incorrect cases, I wanted to implicate the most frequent mistakes, which should be avoided by contract drawing up. I hope, that the target of this work was, according to the task, fulfilled
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Deposit operations
ŠTEFKO, Martin
This bachelor thesis deals with deposit operations of banks that are provided for clients. It is focusing principally on the bearing interest of this operations and their description as products of selected banks {--} Česká spořitelna, Československá obchodní banka and Komerční banka. The aim of this bachelor work is to show how particular types of selected operations are paid interest on, and at the same time to show the calculation of the interest in a clear and understandable way. The partial aim of work is comparison of products that are provided by selected banks. The comparison is based on advantages that are results of more profitable benefits and on a higher interest rate. Calculation of interest is applied on rates of three selected banks.
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