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Practical application of prediction models
Le Quang, Dung ; Menčlová, Barbora (advisor) ; Škerlíková, Tatiana (referee)
This bachelor thesis is focusing on problems when deciding right business partner based on usage of prediction models, namely Springate's and Altman's models, Neumaiers' indices and Taffler index. The goal is to propose a system that will help with selecting a suitable accounting and tax service provider. The thesis is consisted of two parts. Firstly every model is introduced with its methodology. The second part will be testing of a proposed system on selected accounting and tax providers.
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Processing and utilizing of customer data
Bartelová, Jana ; Kunstová, Renáta (advisor) ; Sládková, Pavlína (referee)
The topic of this master dissertation is data mining of customer data for marketing purposes within an enterprise. The information resulting from this process is then used to create targeted marketing campaigns. Nowadays, identifying and exploiting customer's needs is vital for any enterprise. With that in mind, the theoretical part of this dissertation is focused primarily on different methods of data analysis such as segmentation, profiling, customer scoring and determining customer value. A significant segment of this part focuses on web analysis, which studies customer's web browsing behaviour. The practical part of this dissertation is based on a case study of a specific e-shop. The case study identifies and solves problems of emailing realization. Solving these problems using Silverpop Engage brings new opportunities for emailing. The main goal of this dissertation is to show new opportunities of utilizing behavioural data for e-mailing campaigns execution.
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Credit analysis
Plachý, Daniel ; Coufal, Libor (advisor) ; Kuklik, Robert G. (referee)
The topic of this thesis is credit analysis, whose importance is currently increasing due to instability of financial markets. The main aim is to determine how perform credit analysis of various subjects, and then to use specific methods to analyze the situation of the selected retail business company. In theoretical part, the credit process is described with a focus on credit analysis, as explained in available literature. Then the credit analysis is performed as a subject of the application part. The results are explained in detail and justified in the conclusion.
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Customer Intelligence in e-shop
Pavel, Jan ; Novotný, Ota (advisor) ; Maryška, Miloš (referee)
Studies are focused on methods for better recognition of internet shop customers. General this method is called Customer Intelligence. It contains means of increase of customers valuation for a society. It is based on exploitation of accumulated data about customer which helps to get necessary information. A main target of Studies is to create system of Customer Intelligence addapted to society needs. For internet seller it is necessary to include a web analytics into the system too. In a theoretical part there is an explanation of attitude and significance of Customer Intelligence in terms of informational company system. Furthermore there is taken a customer value. It is proceeded from basic means of customer valuation assesment via customers lifelong value for society to means of customer scoring A practical part of Studies is devoted to performed analyses of customer data which are the main details for execution of Customer Intelligence. There is explained how this obtained information will be used. In a conclusion there is descirbed a technical realization and problems which had to be necessarily solved during the implementation.
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Capital adequacy, Basel II and prediction of default
Bardún, Adam ; Synek, Miloslav (advisor) ; Krauseová, Jaruše (referee) ; Freiberg, František (referee)
Dissertation thesis deals with the topic of capital adequacy of financial institutions and tries to solve the problem of default and its prediction. In the theoretical part, the thesis provides summarization of historic and current approaches to capital adequacy of financial institutions and also presents currently used methodology of scoring models, which predict default of companies. Application part of the thesis aims to develop a scoring model, which would be usable by financial institutions for evaluation of their clients and their tendency to default.
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Credit process of a particular credit union
Čučová, Magdaléna ; Radová, Jarmila (advisor) ; Novotný, Milan (referee)
This thesis deals with methodics of credit process of a particular credit union present on the Czech market. Because of confidentiality, the name of the credit union is not mentioned. The thesis is divided into four parts. The first part deals with characteristics of credit unions, their specifications and differences from banks. You can find in this part comparison of development of particular values of the analyzed credit union with the whole sector of Czech credit unions and bank sector as well. The second part is focused on importance of credit process, specifics of the balance of credit institutions, description of risks connected to credit process and principle of state regulation of this process. The third part describes in more details credit process of the analyzed credit union with further focus on acquisition period, credit analysis and decision making process. The last part explains questions of guarantee with all the types of guarantee of the analyzed credit union mentioned. Hence in the whole thesis the theory and practice is mixed together. In the concluding part I evaluate quality of credit process of the analyzed credit union, including the differences from credit process of bank institutions.
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Development of mortgage loans in the Czech Republic
Cyprysová, Veronika ; Witzany, Jiří (advisor) ; Witzany, Jiří (referee)
This bachelor thesis aims to describe development of mortgage loans in the Czech Republic. General description of mortgages is given in first parts of the work. Their characteristics, properties, history, hedging and also the process of mortgage lending are described. Basic concepts of mortgage bonds and credit risk management are defined. The empirical part contains analysis of the number of mortgages since the early nineties until now. The relationship between the quantity of mortgages and interest rate is described.
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Credit risk management v leasingové společnosti
Fabík, Peter ; Marek, Petr (advisor) ; Brabenec, Tomáš (referee)
Práce pojednává o řízení rizik v leasingové společnosti. Popisuje proces hodnocení bonity klienta a faktory ovlivňující schvalování obchodních případů. Charakterizuje ratingový a scoringový model v konkrétní leasingové společnosti, hodnotí jejich nedostatky a navrhuje změny na jejich vylepšení. Obsahuje i praktický příklad komplexního hodnocení obchodního případu včetně posouzení bonity klienta prostřednictvím ratingového modelu a nástrojů finanční analýzy.
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Měření kreditního rizika podle konceptu Basel II
Křivák, Michal ; Dvořák, Petr (advisor) ; Málek, Jiří (referee)
Diplomová práce se zabývá přínosy a dopady nové směrnice pro výpočet kapitálového požadavku Basel II do procesů českých bank. Práce popisuje jednotlivé přístupy k měření kreditního, operačního a stručně i tržního rizika. Stěžejní část diplomové práce tvoří metodický popis vývoje scoringového modelu, splňující požadavky Basel II, pro výpočet pravděpodobnosti defaultu a jeho samotná konstrukce nad reálnými daty poskytnutými společností ČSOB Leasing a.s. Praktické využití diplomové práce je v oblasti řízení rizika a v procesu schvalování zákaznických smluv v leasingových společnostech.
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