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The indebtedness of small municipalities
PRENNEROVÁ, Lucie
At present, the indebtedness of territorial self-governments concerns mainly small municipalities. Thanks to the right of independence and sovereignty, they can manage independently their budgets and real property. This fact has led municipalities to develop their business activities. In the Czech Republic, 3 235 municipalities are in debt, which is more than half of the total. The debts consist mainly of bank credits, but also revenues from municipal bonds issued and repayable financial assistance and credits from the state budget and state funds. These income groups are called returnable income. This thesis explores the importance of using returnable income for financing the development of municipalities. The thesis aims to recommend how municipalities should treat the money. It also lists the risks of high indebtedness are and what the indebtedness rules and limits are in the Czech Republic. The aim of the thesis is evaluate the conditions, development and potential risks of the indebtedness of small municipalities.
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The history of the religious community the CHC in 1925 - 1990
Kissová, Edita ; Hrdlička, Jaroslav (advisor) ; Lášek, Jan Blahoslav (referee)
The thesis wants to present a briefly documented history of the religious community CHC in Vodňany from 1925 until 1990. Evidence of the origin and existence of a religious community is given by the general history of the Vodňany town. The following part is a prerequisite for establishment of a religious community CHC. After WW I, the town of Vodňany was characterized by a great inclination to reform the Catholic Church. The spirit of great joy from new beginning was obvious from the founding of the religious community of the new CHC church. Those joyful emotions were immediately replaced by the responsibilities during construction of the church building and subsequent complications with the repayment of construction costs. The study also deals with the architecture of the church building. Members of the religious community were active. They focused not only on the running of the community, but developed cultural (Theater) and sports activities as well. The testimony to these activities was testified by the Youth Union of CHC and the Zeyer - Theater Association. During of WW II, the activities of the religious community were limited to the bare essentials. The years after war meant taking a new breath. However, the recovery from war did not last long. The advent of the totalitarian regime brought...
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Proposals to Improve Debt Collection in a Business Entity
Šubr, Vojtěch ; Weiss, Lukáš (referee) ; Musilová, Helena (advisor)
Bachelor thesis deals with the enforcement of collections and debt security. In the theoretical part, the author defines the basic concepts from a legal, accounting, tax, and economic point of view. The theoretical part is the foundation for the rest of the work. In the analytical part, the author processes the collections analysis of a particular entrepreneur. Furthermore, the procedures for enforcement of collections and the institute of their securing are captured. The subsequent part contains suggestions to improve the current situation.
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Financial Mathematics in Czech Textbooks from the Marchets's Reform
Melcer, Martin ; Bečvářová, Martina (advisor) ; Hora, Jaroslav (referee) ; Odvárko, Oldřich (referee)
Title: Financial Mathematics in Czech textbooks from the Marchet's Reform Author: Martin Melcer Department: Department of Mathematics Education Supervisor: doc. RNDr. Martina Bečvářová, Ph.D. Abstract: The PhD thesis presents a comprehensive view of the development and the position of financial mathematics in Czech textbooks and collections particularly those used in high schools with consideration of the political situation in our country. The analysed period from 1908, i.e. from the Marchet's Reform, to the present is divided into five principal stages. In each stage textbooks covering financial mathematics instruction in all types of secondary schools are chosen. This shows the level and extent of the presentation, the complexity of the given tasks and problems and the way in which they are integrated into the textbooks or the syllabus, more precisely. At first the basic general characteristics of the textbooks are presented followed by a detailed description of partial topics of study which are then analysed thoroughly and mutually compared. The conclusions of the PhD thesis reflect the current situation of financial mathematics instruction and offer ways leading to the improvement in the level of financial literacy of our citizens. Keywords: financial mathematics, principal, interest, debt, annuity,...
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Collecting fees for the removal and other disposal of communal waste
Řeháček, Martin ; Vondráčková, Pavlína (advisor) ; Kohajda, Michael (referee)
The aim of the thesis is to describe effective legislation that regulates collecting fees for removal and other disposal of municipal waste organised by municipalities. There are used also various socioeconomic approaches and the thesis seeks for the best solution how to collect the fees for the service. The study is mainly focused on Municipal Fees Act and its regulations because they cause most of problems in practice. Author's opinion is that such a regulation is completely wrong. According to the author of the thesis, there were found features of The Tragedy of the Commons theory in the regulations which means in practice that the whole system is going to either collapse or cost even more money to be kept. The next negative of the legislation is the possibility to circumvent paying the fees. Then, it was proved in the study that the main principle which is the legislation built on, does not work in practice. The principle is that costs paid for the removal and other disposal of municipal waste are supposed to be equivalent to a number of inhabitants living in a town. Because of an absolute personal principle, it was also described in the thesis that minors become debtors when they turn 18 because of their irresponsible parents who do not pay the fees for them. It was recognized in the thesis...
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Social analysis of debtors in Prague 3 - Žižkov
Bartesová, Gabriela ; Tomeš, Igor (advisor) ; Vodáčková, Daniela (referee)
The bachelor paper "Social analysis of the indebted citizens in Prague 3" focuses on the issues of indebtedness, respectively overindebtedness, it's causes and consequences for single person, or the whole population. The essay tries to answer the question about the origin of overindebtedness, options of it's solution and prevention. The theoretical part deals with the issues by historical aspect and the law aspect too, mainly is focused to the execution of the decision carried out by sale of movable things, and advise for individuals. The research part works with the question, which segments of population the indebtedness concerns at most, by the aspect of gender, age, employment, nationality and education, focused for Prague 3.
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Structure and causes of indebtedness of individuals citizens in the Czech Republic
Dardová, Sylvie ; Angelovská, Olga (advisor) ; Vlčková, Kamila (referee)
This diploma thesis is devoted to the issue of indebtedness of natural person citizens of the Czech Republic and the follow up solution proposal, which aim is eliminate this problem. Selected theories of human capital and the consumerist society best describe theoretical concept debt issues. Consequently, this chapter is followed by the application of state policy instruments, which can mostly be sort of legislative action, educational activities and information and communication tools. They are a very important component, since all the measures breathe life. An important component of this thesis is to research, which was carried out in several directions, taking could then occur between individual variables to verify hypotheses. The extension of knowledge in the field of theory and research led me to the various proposals on how to solve the problem. In summary, it is a modification of the entire lending process and the subsequent recovery, which would in case of implementation of indebtedness persons decreased while satisfying yield "creditable" lenders. Powered by TCPDF (www.tcpdf.org)
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Financial Mathematics in Czech Textbooks from the Marchets's Reform
Melcer, Martin
Title: Financial Mathematics in Czech textbooks from the Marchet's Reform Author: Martin Melcer Department: Department of Mathematics Education Supervisor: doc. RNDr. Martina Bečvářová, Ph.D. Abstract: The PhD thesis presents a comprehensive view of the development and the position of financial mathematics in Czech textbooks and collections particularly those used in high schools with consideration of the political situation in our country. The analysed period from 1908, i.e. from the Marchet's Reform, to the present is divided into five principal stages. In each stage textbooks covering financial mathematics instruction in all types of secondary schools are chosen. This shows the level and extent of the presentation, the complexity of the given tasks and problems and the way in which they are integrated into the textbooks or the syllabus, more precisely. At first the basic general characteristics of the textbooks are presented followed by a detailed description of partial topics of study which are then analysed thoroughly and mutually compared. The conclusions of the PhD thesis reflect the current situation of financial mathematics instruction and offer ways leading to the improvement in the level of financial literacy of our citizens. Keywords: financial mathematics, principal, interest, debt, annuity,...
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Security agent under Czech law
Bujgl, David ; Kohajda, Michael (advisor) ; Sejkora, Tomáš (referee)
1 Security agent under Czech law Abstract Despite the importance of secured debt financing in today's society, there is no Czech literature that comprehensively covers one of the most important aspects of securing of debt - the sharing of security among the financing entities by using the security agent. The aim of this thesis is to introduce the concept of the security agent under Czech law, including a description of transactions in which the security agent is used, a description of available security and a comparison with foreign law concepts of the security agent. The thesis compares the two main transaction areas in which the security agent is widely used, which are syndicated loans and bond issues, and describes several key differences that determine what form of external financing the borrower will choose. The thesis then deals with the involvement of financial institutions in these transactions with an emphasis on the role of the security agent who administers the security for the benefit of all creditors. The thesis also points out some problematic aspects arising out of the plurality of secured creditors in situations where the concept of the security agent is not used and emphasizes the importance of security in the event of the debtor's bankruptcy. The thesis also presents options for achieving...
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