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Multiple life insurance and group insurance
Broukalová, Jana ; Bílková, Diana (advisor) ; Zaderlíková, Šárka (referee)
This thesis aims to familiarize the reader with the topic of life insurance, especially insurance taken out for more people. Its focus is empirical rather as combining the use of several actuarial and statistical methods through three statistical software and applications created in MS Excel using VBA. First, thesis is focused to multiple life insurance with intention to show reader the diversity of this interesting but rarely offered product in business world, especially through the application created for the purpose of this work. Sense of mentioned application lies in the fact it is able to calculate amount of the net premium for a user-selected type of insurance. Based on this outcome insurer can determine the net price corresponding to the chosen risk coverage (regardless of the amount of the costs associated with this type of insurance and required profitability). Age of insured person isn't usually part of calculation of premium for accident insurance. One of the aims of this study is to assess whether this parameter actually has or doesn't have any effect on the price of insurance. With help of SPSS and RStudio software relationship between age of insured person and amount of indemnification from daily compensation insurance has been researched. Based on the test of variable independence were detected dependencies of these variables where all of which used measure of association suggests a weak dependence amount of indemnification on the age of the insured. It surely worth insurer should consider different insurance rates for various ages of insured person. Following by examination whether the rate used to calculate premiums in case of hospitalization extra insurance corresponds to the actual risk coverage. It has been calculated the rate could be lower than currently used due to the loss experience of insurance for the past 9 years and the assumption of certain expenses and desired profit. It would be cheaper for insurance group contracts than it is today, when the insurer has done so. It could also attract new clientele. The last stated goal in this thesis is to create prognosis of the amount of indemnity paid for injuries covered by additional daily compensation insurance. Using the software EViews is analyzed this trend in the past 32 months first. Based on its outcome there is a future level forecast created for the next four years. These resulting values indicate the insurance indemnity for group contract will grow. Therefore, based on this analysis insurer should to conclude in the contract it would be appropriate to increase the premium of the insurance coverage. With these practical tasks the reader can get idea not only of problems solved in the scope of multiple life insurance and group insurance but also to become familiar with some statistical software used for analyzes carried out not only in the insurance industry. The conclusions of this thesis can also be beneficial for insurer who may adjust premium prices of analyzed insurances.
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Využití pedologických metod v archeologii
Hladký, Jan
Soil studies can reveal how humans in prehistory used the landscape and defined space through their activities. However, these new approaches do not wholly address persistent problems associated with making inferences about past human activity from soils. These challenges include:equifinality; distinguishing property--process relationships; identifying anthropogenic soil processes; the interdependency of the soil forming factors. This paper reviews a new approach to an archaeological research. This approach includes chemical and physical analyses of soil samples. With help of these analyses we can evaluate a past land use, a past natural processes and we can found a buried cultural layer. This approach can be used as a guide to ensure that a rigorous and reproducible approach is taken to the study of soils at archaeological sites. In tis study, the impact of human activity on the pedological environment of soils of the archaeological site Mikulčice-Valy was investigated and use of soils for archaeological use is discussed. Soil samples were collected from five probes (VII. kostel) and from three probes (knížecí palác). These soil properties were investigated: pH, amount of P, Mg, K, Fe and Ca, loss-on-ignition, conduction, texture analysis and physical analysis of sampel.
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SPATIAL DATA IN ORACLE DATABASE
Hanuš, Ondřej ; Chlapek, Dušan (advisor) ; Krch, David (referee)
More and more applications work with digital geographical data is occurring in the present era. Users of these applications are more and more ambitious and are looking for applications that are able to assist them and give them information as simply as possible. One example of this typical information is: the shortest way to work. There are still more causes when we lose paper data because of natural disasters such as floods or hurricanes and these press us to consider data digitalization, saving and archiving data. This work describes one of the themes that should help us to solve this problem. This theme is storing and the manipulation of geographical data. Geographical data involves the problems of geographical information systems which are very often requested in the present digital era. There are many applications that are able to navigate us to a target on the internet. This problematic is not only about to find the shortest way to a target but also a lot of companies use these applications for planning and developing industrial networks, house development and they are also useful in connection with applications for facility management. Spatial data uses geographical data, and thus it is very easy to imagine that the amount of this data could very quickly reach size in hundreds of terabytes. For this size of data it is necessary to find an appropriate warehouse and mainly efficient management. This functionality is offered by the most extended database ORACLE with Oracle Spatial extension.
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Regulation Fees in the Czech Health Care System
KYTLEROVÁ, Ivana
A large part of the work has been devoted to regulation fees as one of the health care systems regulating mechanisms. An essential place in the work is taken by elaboration of the topic of increase of costs for the health care systems functioning in the current world and the possibilities of their solution. The work also deals with an extensive and frequently discussed topic of justice in the physician-patient relationship. This topic has been processed in connection with historical circumstances and a philosophical dimension of perception of justice in health care. Further to this, ideas and ideological foundations of justice, which project into political ideologies, have been dealt with. Health care systems, the system of health insurance in the Czech Republic and its legal regulation have been briefly characterized. The aim of the work was to map an opinion of some ordinary citizens regarding perception of justice in the Czech health care and introduction of the regulation fees. Partial goals were to find out in what way political orientation reflects in the opinion on justice of the collected regulation fees and furthermore to map, in what way an amount of income of respondents influences an opinion that regulation fees represent an income for a health care facility. Two hypotheses were determined. Hypothesis no. 1: University graduates understand better the system of regulation fees. Hypothesis no. 2: More than 80% or respondents consider it unjust that regulation fees represent an income of a physician, health care facility, or pharmacy. A method of questioning was used for the processing, data collection was carried out by using a questionnaire technique. Statistical methods suitable for an analysis of categorical data were used for evaluation of information. 300 questionnaires were handed out, the return rate being 74%, the final research population consisted in 182 respondents from the city of Votice. Another employed processing method was the secondary data analysis. Results of the questionnaire research brought a number of intriguing facts relating to attitudes of the respondents as to the issue of justice and state of the Czech health care. Further to this, it has been confirmed that university educated respondents understand better the system of regulation fees. In more than 65%, respondents consider it unjust that the proceeds from the regulation fees collection represent income of a health care facility. One of the hypothesis was confirmed and the other was disproved. The acquired information can be used as a guideline for public discussion.
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Production and fertility of dams for multiple milking
TRCH, Jan
The aim of this thesis was to evaluated fertility and milk performance due to multiple milking technology which was used. The monitoring was carried in 2011 in farms Agrospol, Malý Bor a.s. and the farm Dub. System evaluation of fertility and milk performance of dairy cows at multiple milking were evaluated in 186 lactations of Czech pied cattle breeding. The average number of milking in the parlour was 2.96x/day and robot 2.36x/day. 107 lactations were obtained during milking in the milking parlour and 79 of lactation during milking by robots. In this thesis were measured indicators of fertility (insemination interval, service period, the mean time and age at first calving) and indicators of milk production (lactation length, the amount of milk fat, protein and lactose content). In the reproductive indicators were taken statistically highly difference in age at first calving, where the average difference was 195 days. For other indicators of fertility were all statistically significant results in favor of milking in the milking parlour (2.96x/day). Czech pied cattle milked in the milking parlour per normative lactation average amount of milk produced 8 599.8 kg, cows milked by robot 7 272.5 kg. Among these values was statistically highly significant difference. The best results in the production of milk per normative lactation were gained by milked cows in the milking parlour (9 284.4 kg) and the second lactation cows milked in the milking parlour (9 033.0 kg) on the third and more lactation. The lowest milk production in normative lactation gained dairy cows milked by robot at first lactation (6 874.7 kg). The higher average fat content had dairy cows milked in the milking parlour with a value of 4.47 %, dairy cows milked by robot had fat content of 4.15 %. Between these values was statically highly significant difference. In the average protein content in dairy cows has been demonstrated statistically significant difference. Dairy cows milked in the milking parlour reached the value 3.41 % compared to cows milked by a robot, where the average value of protein was 3.47 %. The difference in lactose content between groups was not statistically significant.
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The Legal Protection of Databases
Kohutová, Radka ; Holcová, Irena (advisor) ; Křesťanová, Veronika (referee)
What is the value of information? This is the crucial question that arises in relation to the legal protection of databases. The rise of new media created a brand new world that we labelled the information society in which the information is one of the most valuable assets. The power of digitalization came hand in hand with this rapid transformation and has offered us an almost indefinite amount of storage space and permitted us the dramatic increase of speed for the transfer of data and information, while, consequently making violation and infringing of intellectual property rights simpler than ever before. The form of a database has been transformed and has become increasingly important as a way of organizing data and information in the age of information society. This State Doctoral Thesis called The Legal Protection of Databases aims to present the comparative analysis of database protection in three countries-namely the Czech Republic, the United Kingdom of Great Britain and Northern Ireland, and the United States of America. The choice of countries allows covering different approaches to the legal protection of databases of two biggest competitors on the world database market-the United States of America and the EU, and to present the aspects of copyrights and sui generis protection....
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Co-evolutionary aspects of genetic diversity: milk production and lactase persistence
Priehodová, Edita ; Černý, Viktor (advisor) ; Brůžek, Jaroslav (referee) ; Macholán, Miloš (referee)
Lactase persistence (LP) is genetically determined ability to digest lactose (milk sugar) in adulthood. Lactose is digested by the intestinal enzyme - lactase. In mammals, production of lactase declines after the weaning period. In case of the LP, the lactase is produced during whole life and thus it is possible to drink larger amounts of fresh milk without digestive problems. However, LP is documented only in some human populations. Its worldwide distribution is unequal, the highest rates are found in northern Europe and in pastoralists living in arid regions of Africa and Arabia. The origin of this trait is related to the emergence of agriculture 10,000 years ago, and the beginnings of milk production. In some populations, there is a strong signal of positive selection for the LP caused by various factors depending on various living conditions. The LP is associated with single nucleotide polymorphisms (SNPs) located approximately 14 kb upstream from lactase gene. Nowadays we know five different SNPs which cause the LP and they have probably different origin and have expanded independently. One of the possible centres of the LP origin is the Arabian Peninsula, where the LP variant -13,915*G probably first appeared and spread. In this thesis, occurrences of different LP mutations were investigated...
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Choirs in the Life of Church Community
Veverková, Zuzana ; Beneš, Ladislav (advisor) ; Filipi, Pavel (referee)
This bachelor work is focused on development of choral music in Christian communities. It provides the reader with a perspective on its' evolution in different time periods from The Old Testament period through intertestamental period, New Testament, Early Church and historical development from the sixth century through reformation to the twentieth century, where it either focuses on individual contributors to music development (that is musical composers, kings etc.) or conservation of specific artifacts (files, records and writings). This development is then taken into account when evaluating position of music in these time periods and it mentions the occurrence of changes. Next, the paper is interested in the roles of Church and choirs and in fulfillment of these roles. Finally it presents common problems when building a church music program and tries to provide the reader with some solutions to rid of those problems and use an entire potential of music programs that they offer. It also focuses on the presence of choral music and faith in the mentioned time periods and gives supporting evidence on the produced hypotheses with the help of used literature. Faith and its' connection to choral music is a protagonist of this work and is given a fair amount of attention in regard to either development...
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Funding of universities in Czech republic and Australia
Macejko, Miroslav ; Urbánek, Václav (advisor) ; Kubík, Rudolf (referee)
The intention is to outline the current situation of education funding in Czech Republic and to point out its shortcomings, to further analyze the system of financing higher education in Australia and to show its profitability, to find arguments for and against the introduction of tuition fees. Estimating the ideal amount of the contributions of students and find out their opinion on the subject. Assess the Czech system and suggest possible changes that would correct these deficiencies, and that just by looking at another system of another country, which appears to be functioning and will be taken as a model.
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The financial analysis of the company Favea Europe s.r.o.
Byčkova, Elvira ; Slaboch, Josef (advisor) ; Kotyza, Pavel (referee)
The objective of this Bachelor thesis is to determine financial situation of company FAVEA Europe s.r.o. for the time period 2010 - 2015. This thesis is divided to theoretical and practical part.
The theoretical part focuses on defining the concept of financial analysis. Further defined the basic methods and indicators associated with financial analysis.
The practical part of this thesis is using the knowledge from the theoretical part. Information is taken from the financial statements. Practical part is more focused on introduction of the company itself. Furthermore there is a horizontal and a vertical analysis made. There are also used ratio indicators like profitability, liquidity and activity. Models of bankruptcy are used at the end of the practical part.
In the end there is complete evaluation and recommendations for the company.
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