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The European mortgage crisis
Martoník, Juraj ; Pavlík, Zdeněk (advisor) ; Bolotov, Ilya (referee)
The thesis addresses mortgage crises and price bubbles on local mortgage markets. It describes the causes, impacts and the development of local crises in Europe. The aim of this thesis is to analyze the situation of a number of European countries that were affected the most and to point out that mortgage bubbles weren't just a problem in the USA. Price bubbles were also created on European markets independently of the USA. The beginning of the thesis helps explain important notions and causes of the American mortgage crisis and then goes on to explain the spread of the global financial crisis to Europe. The rest of the thesis analyzes economic situations of the most affected European countries.
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Mortgage Crisis in the USA - Causes and Consequences
Pavlík, František ; Čajka, Radek (advisor) ; Chaloupka, Jiří (referee)
This bachelor thesis is aimed at the U.S. motgage crisis from the year 2007, to find causes and to analyze consequences. The first part of this thesis deals with the mortgage crisis from 1920s and 1930s. Then there are mentioned risks of the mortgage loan and the thesis explains the term securitization. In the folowing parts there are described the causes and process of the current mortgage crisis, the role of the government institutions and impact on the economic situation and society.
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The Federal Reserve System in the years 2000-2011
Lamaczová, Michaela ; Ježek, Tomáš (advisor) ; Mládek, Josef (referee)
Dissertation deals with the Federal reserve system, which is the central Bank of the United states of America. The dissertation is supposed to analyze monetary politics of FED with regard to the possible connection of this institution with the last financial crisis. Chapter nbr. I. introduces short history of the central banking in the USA, the situation before FED was created, circumstances with the enactment of Federal Reserve act from 1913, followed by foundation of FED and first of all about its task during the period of Great depression in the 30th of the 20th century. Enclosed is the overview of critical economical opinions how the FED was functioning. The second part of the dissertation describes the monetary politics of FED before the crisis years 2000-2007. It evaluates the main steps the FED undertook to prevent or alleviate the incomming crisis. Further it evaluates these steps with recommendations of renowned and respected economists. Next chapter deals with the mortgage market crisis and with the monetary politics of FED between the years 2007-2011. This chapter also describes different situation of FED and European central bank and their monetary politics as a reaction to the mortgage crisis. Fourth and last chapter is aimed at the possible cause of the financial crisis and present development of FED.
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Economic crisis and proposals for measures in the U.S.
Junková, Monika ; Jílek, Josef (advisor) ; Halás, Vladimír (referee)
This thesis deals with the current financial crisis and its solutions. In the first part of this work are analyzed the main causes underlying the emergence of contemporary global crisies. Described are also the methods and financial products through which the crisies spread from the United States of America to the rest of the world, mentioned are main negative impacts of the crisis in the Czech Republic and anti-crisis measures taken by the czech government in context of crisis. In the second part of the work proposed recommendations that could reduce the likelihood of further crises in the future or measures, which could help to solve the current economic crisis. The conclusion summarizes the results of the analysis and answer the question if it is possible to avoid a financial crisis and the resulting economic recession or will come again and again?
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American mortgage crisis II
Zikmunda, Petr ; Koderová, Jitka (advisor) ; Plíva, Rostislav (referee)
This graduation thesis focuses on analyzing the impact(s) of the recent American mortgage crisis. The main goal is to study measures that have been taken to overcome this crisis andv evaluate them. The thesis is divided into four parts. The aim of the first part is to quantify the size of the United States housing bubble. The second part brings in the estimates of losses to individual financial institutions in the USA. The third part concentrates on detailed analysis of the arrangements that have been used to overcome mortgage crisis and consequential financial crisis. The last part compares the measures taken in order to solve the recent crisis with the ones that had been taken to overcome the Great Depression.
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Causes of the Subprime Crisis
Smička, Daniel ; Neumann, Pavel (advisor) ; Pluskalová, Eva (referee)
In my Bachelor's Thesis I analyze the causes of the subprime mortgage crisis that affected mainly the USA. Into account are taken several points of view on the causes of the bubble. Analyzed are legal causes, technical causes with a deeper description of the process of securitization, as well as different types of mortgages and financial derivatives. The latest books from the fields of behavioral economics were used in order to provide fresh and comprenhensive insight into the current maelstorm.
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Who Predicted Financial Crisis 2007-2009
Vyskočilová, Tereza ; Vostrovská, Zdenka (advisor) ; Chalupníček, Pavel (referee)
This bachelor thesis is focused on the U.S. mortgage crisis and subsequent financial crisis 2007-2009. The aim of this paper is to analyze and explain causes of this crisis and find out why they were not recognized in season. Or why only a few experts have warned of the crisis, while most categorically rejected the threat of it. The theoretical part deals with the definition of the financial crisis, the typology and prediction methods. The practical part will analyze the causes and consequences of the crisis and explains how the mortgage crisis turned into the financial sector and the real economy. The practical part is devoted to the question why only a few experts were able to predict the financial crisis.
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Causes of the Mortgage Meltdown and Reasons of the US Financial Crisis in 2007 - 2008
Bukva, Bondy ; Dočkal, Dalibor (advisor) ; Urban, Luděk (referee)
The major goal of this work is to conduct a careful analysis of the 2007 -- 2008 mortgage crises, with focus on both the United States financial and mortgage markets. The actual 2007 -- 2008 collapse wasn't only a typical market crash. It was also a "collapse" of ideals and new methods that came to life particularly during the times of the Great Moderation. In this work I further examine three particular issues. These are: economic and political decisions, the psychology of continuous and sustainable growth and the creation of so called toxic assets. Also in tandem to and related with a monetary policy and moral hazard analysis, I try to fully comprehend the actual market bust of the late 2000s. The purpose of my analysis is then finding out if there was a single cause of the market crash of 2007 -- 2008 or if there actually were multiple factors leading to the slump.
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Implications, causes and possible reform of the current financial crisis by the Postkeynesian and Austrian view
Vondruška, Tomáš ; Tajovský, Ladislav (advisor) ; Chytil, Zdeněk (referee)
This diploma thesis is trying to describe implications of current financial crisis by the Postkeynesian and Austrian view. The introduction section focuses on course of events in the United States of America after the September 11 attacks on World Trade Center till outbreak of mortgage crisis in 2007. After 9/11 the Federal Reserve System started to unprecedentedly increase the money supply. Large amount of these new resources flowed to the real estate market. Incurred conditions and implications to other financial sectors till the bankruptcy of Lehman Brothers in September 2008 are thoroughly studied. The causes of the crisis are being looked through the Postkeynesian and Austrian perspective in this thesis, because the major representatives of these two economic branches were able to predict the crisis coming. By using the works of the Postkeynesian and Austrian economists, possible solutions how to avoid this negative economic event in the future are being mentioned in the final part of this diploma thesis. Their suggestions and proposals contrast each other. Nevertheless I reach certain recommendation here, which shows government's interventions are inappropriate and functionless. These interventions have also harmful influence on the free-market economy function. Moreover they tend to deepen recessions. These arguments are being demonstrated on real cases.
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