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Czech household indebtedness and credit risk
Varhoľová, Eva ; Jakubík, Petr (advisor) ; Marková, Katarína (referee)
This thesis deals with an analysis of indebtedness of the Czech households and, as a consequence with the credit risk for banks and financial institutions. It points out the important role of the household sector in consumption and formation of savings. Main indicators of Czech households are discussed - the development of financial assets, liabilities and wealth. The thesis also provides comparison of the household sector in the Czech Republic with the other countries of the EU. Main objective of this thesis is construction of a model, which on the aggregated data for the Czech Republic captures the mutual dependency of non-performing loans provided to the households to the development of macroeconomic indicators. Selected model of vector autoregression enables the analysis of mutual relations between the loans provided for the households, share of the non-performing loans, development of GDP, interest rates, unemployment, consumption expenditures and the house prices. The thesis concludes with the prediction of indebtedness of the Czech households and together with the results of stress tests provided by the Czech National Bank estimates the resistance of the financial system to the household credit risk.
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Flora of municipalities Janovice nad Úhlavou, Kolinec and Švihov (distr. Klatovy)
PETERKA, Kamil
The aim was to compare the representation of ruderal species in selected municipalities.These municipalities were Kolinec, Janovice nad Úhlavou and Švihov. Švihov village located about 11 km north of Klatovy on the left bank of the river Úhlava. Its peak was located about 9 km southwest of Klatovy, also on the left bank Úhlava . The village Kolinec then located about 20 km from Klatovy southeast, toward Sušici. In each of these villages were located the same 7 stations. Railstations, Water areas, Farms, Housing developments, Roads, Cemetary and Square.
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The analysis of dependence of the material deprivation of the households in the Czech Republic on the selected indicators
Cafourková, Magdalena ; Řezanková, Hana (advisor) ; Pecáková, Iva (referee)
The aim of this thesis is to analyse the material deprivation of the households with regard to the selected indicators, i.e. the costs that the household spends on housing, a region where the household is located, the number of the members and the dependent children in the household, age and sex of a head of the household, and economic activity and education level of the members of the household. The thesis aims not only to prove the dependence among the selected indicators but also to quantify this dependence by using the odds ratio. The individual effect of all variables was proven except of the one related to the number of the dependent children. It was also demonstrated that the factors constituting a threat for the households by a material deprivation rate vary by the different age groups. However, it can be concluded that across all the age groups, the material deprivation rate is determined by the sex of a head of the household, education level of the members of the household, and the costs that the household spends on housing.
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Celda Klouček - personality and work
Teichmanová, Jana ; Prahl, Roman (advisor) ; Vondráček, Radim (referee)
This work is deling with personality and work of Celda Kloucek, a sculptor and ornamentalist living at the turn of 20th century. Celda Kloucek was born 6th December 1855 in Senomaty near Rakovnlk. Advised by his patron Milller, he decided to accept a position with ornamentalist sculptor Otto Lessing in Berlin, where he got his first professional training. Kloucek turned out to be an excellent sculptor, especially in ornamental construction work. The contracts were diverse and he learned to work with many different materials. In 1879 he enroled in professor Otto Konig special course at Arts and Crafts School in Vienna. After three years, he became a reader at Arts and Crafts School in Frankfurt am Main. In 1888, he opened his atelier at Arts and Crafts School in Prague. He was teaching here for twenty-eight years. Many recognized artists emerged from his atelier, all of them adhering to Kloucek's emphasis on clarity of composition and simplicity of the ornament. Kloucek's work evolved from ornamental creations on house exteriors in neo-Rennaissance and neo-baroque style to naturalism, and finally to Art Noveau, in which he created his master pieces: Wohanka house portal (1898), Museum of Western Bohemia in Pilsen (1900-1901), Prague Credit bank (1902), Blecha house (1904), and Order of the Cross monastery...
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2008: Dwarves are still alife. Fenomenon of a garden dwarf in the light of culturological context
Pejsarová, Jana ; Borecký, Vladimír (referee) ; Czumalo, Vladimír (advisor)
The intention of my thesis is to work out a complex study of the fenomenon of a garden dwarf, and through the perspective of culturological disciplines hammer out its merits. In the introduction I claim that the existence of garden dwarves by human houses is manifestation of a very old and deep human requirement subsisting in forming our homes in the way we feel secure there and we can orientate ourselves there. The first chapter presents basic concept definitions and summary of actual knowledge in dwarf-studies. Particularly I am interested in the origin of dwarves generally, and then garden dwarves as a specific species - its phylogenesis. Farther I focus on dwarf as a product of human activity: merchandise and artwork as well - its ontogenesis. I regard the relation between creator or owner and the artefact as very important. Chapter four is an essential part of my thesis. I write about traditional society and cults of home-fire gods, mainly in Czech region. I consider garden dwarf to be a continuator of the aforesaid old tradition. In my opinion, there are two connecting elements: shape and colour of its cap - referring to flames of home-fire and protective function of red colour in traditional opinion. Next chapter is dedicated to interpretation of dwarf in light of psychoanalyse. Then I propose to...
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Hospodaření a ziskovost bank v ČR
Ráczová, Agneša ; Janda, Karel (advisor) ; Tuček, Miroslav (referee)
Diplomová práce je zaměřena na problematiku hospodaření bank a vytváření zisku. Věnuje se hospodaření jednak z teoretického hlediska, popisuje faktory, které ovlivňují ziskovost bank. Lehce nastíní i problematiku poplatků a úroků z úvěrů. Zabývá se i řízením banky z teoretického hlediska. Cílem je předložit poznatky v této oblasti a zjistit, zda jsou české banky ziskové a konkurenceschopné. Ve výzkumné části jsme pro tento účel využili srovnání s bankami v Maďarsku a na Slovensku.
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The causes of the housing and financial crisis in the USA
Stelzerová, Tereza ; Mandel, Martin (advisor)
This study is focused on the causes of financial crises in the United States of America starting in 2007. There is mentioned a number of influences that had impact on this disfavourable economic development in this study. In the first part, there is mentioned the housing policy and government measures in providing mortgages. Further, there is explained the development of the banking system -- with the Federal Reserve System on one hand and commercial banks on the other. Their parts in this crises are explained in the second chapter, alongside with modern trends on financial markets. One of those trends was occurrence of new kinds of securities -- eg. CDO which is characterized. Rating agencies were also subjects which business behavior was one of the causes of this crises burst. In this study there is also captured simple line-out of events on the interbank market, when the crises became obvious. Last part is dedicated to comparison with other crisis of the modern history, especially the Great Depression.
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Some problems in the area of financing of housing need
Petrášová, Martina ; Půlpánová, Stanislava (advisor) ; Hradil, Dušan (referee)
This thesis explains important facts concerning financial products for solutions of housing need from three points of view, which influent each other -- from the point of view of client, bank and state. In the thesis, there is noted, what shall be understood under the solution of housing need, and what are the products which have been used for housing financing. Accent is put on possible use of different forms of state support and its influence on the state budget. The most of financial products for the solution of housing need have character of credit, therefore part of the thesis is touching credit risk and is clearing running of credit process.
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CREDIT UNIONS AS A PART OF THE CZECH MODERN FINANCIAL SYSTEM
Mijovičová, Monika ; Půlpánová, Stanislava (advisor) ; Hradil, Dušan (referee)
Sector of credit unions has noted during its existence many changes. Political and legislative changes have had an impact on its behaviour. Significant change was that the bill No. 87/1995 about credit unions was passed and subsequently amended in connection with joining the Czech Republic to the European Union. The aim of the graduation theses is complex analysis of credit union evolution. The graduation theses scope is also comparative analysis of bank and credit union on the part of balance sheet, risk management and advantages for client.
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