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Client's credit rating
Jeřábek, Michal ; Radová, Jarmila (advisor)
This thesis analyzes problems related to the client's creditworthiness, i.e. assessing the ability of the client properly and on time to meet their obligations to banks and other financial institutions. The core of the thesis is a theoretical processing of methods and information used to determine the creditworthiness of the client and then the analysis of methods and information used in the present Czech banks. The theoretical part in the introductory chapter focuses on putting the issue in a broader context view of the financial risk and credit process. The next chapters describe methods of analysis gradually creditworthiness of individuals and analysis of corporate creditworthiness. The practical part of the thesis is focused on analyzing the creditworthiness of the client from the perspective of individual banks.
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Standardization of data structures of a financial BI solution
Chaloupecký, Stanislav ; Pour, Jan (advisor) ; Zajíc, Ján (referee)
In this diploma thesis I concentrate on analysing the possibilities of standardization of financial Business Intelligence solution. The objective is firstly to assess whether it is useful to create a so-called standard model, i.e. a solution model, which could be used repeatedly in independent BI project implementations. The objective is to analyse whether there are similarities among the implemented BI projects in terms of content requirements (measures and dimensions), or what are the differences. The objective is then to design a standard solution model (design relational and dimensional model for data structures). Another objective is to create a functional prototype solution based on the designed model, i.e. to create the actual data structures and fill them with data. A part of this prototype solution should be a set of demonstrative reports. The objectives will be achieved first of all by analysing the theoretical foundations, which provides the literature, and by analysing available real project documentation. Considered BI projects have been implemented within several non-financial commercial institutions. That means that the outputs of this thesis are applicable primarily in non-financial enterprises environments. In the next step, the dimensional modelling techniques will be used to create the schema. Then, leveraging the knowledge of BI solution development techniques on Microsoft SQL Server platform, the prototype solution will be deployed. Reports will be developed using the Microsoft Excel client tool. The benefit of this thesis consists in the model added value, which can be used as the core of newly developed financial BI solutions. The implementation process should by this spare some time. Another benefit of the thesis is the possible use of the prototype solution as a tool for customized demonstration of the financial BI capabilities to potential customers.
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Regulatory changes in response to the financial crisis in the US
Hosan, Pavel ; Půlpánová, Stanislava (advisor) ; Zetek, Pavel (referee)
The main topic of this diploma thesis is a response of the American administration and its legislation to the financial crisis which took place between the years 2007 and 2009 and the resulting changes in the financial markets regulatory rules in the United States. The aim of the thesis is to analyze specific individual sections of the well-known Dodd-Frank Dodd-Frank Wall Street Reform and Consumer Protection Act and its impacts on the banking sector in the US. The first part of the thesis deals with the analysis of main causes of the so-called mortgage financial crisis of the first decade of the 21th century. Numerical evidence shows the impacts into the real economy and channels through which the crisis had spread into financial markets worldwide are also described. The following sections contain in-depth description and analysis of changes in regulatory legislation and rules governing the US banking and other financial institutions.
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The analysis of "Too Big to Fail" policy in the environment of financial institutions
Kolařík, David ; Lipka, David (advisor) ; Pichaničová, Ludmila (referee)
The aim of bachelor thesis was to answer the question whether politicians make their decisions about the "Too Big to Fail" policy on advice of economists or for other reasons. The bachelor thesis clarified many opinions and recommendations of economists, which were expressed in empirical and theoretical studies. Economists clearly thought that the government should not pursue the "Too Big to Fail" policy and thus not provide the assistance to financial institutions at risk of bankruptcy. Considering the fact that politicians provide the financial assistance to large financial institutions in most cases, the hypothesis that politicians act in case of "Too Big to Fail" according to recommendations of economists was rejected. Furthermore the bachelor thesis mentioned reasons that may influence decisions of politicians and alternative solution of financial institutions insolvency.
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Specific issues of financial service firms at determining the intristic value of a stock
Mathonová, Ivana ; Veselá, Jitka (advisor) ; Paholok, Igor (referee)
The principal aim of the thesis is to analyze specific issues of financial service firms in comparison with nonfinancial firms, and to explain how to determine the intristic value of a stock using the fundamental analysis. The particular macroeconomic, industrial and business factors influencing the intristic value of a stock are desribed in detail with the emphasis on the distinctions of financial service firms. A separate chapter is focused on particular methods suitable for determining the intristic value of a financial service firm's stock. The applied section analyzes all the components of the fundamental analysis in detail using Komerční banka's stock as an example. Consequently, the intristic value of the stock is calculated by means of available methods with the decision whether the market pricing is correct.
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Využítí manažerského účetnictví v nebankovních finančních institucích
Srnec, Martin ; Wagner, Jaroslav (advisor)
Bakalářská práce se věnuje využití manažerského účetnictví v nebankovních finančních institucích. Cílem práce je zanalyzovat konkrétní nebankovní finanční společnost z hlediska jednotlivých oddělení a procesů, které ve společnosti probíhají, identifikovat požadavky manažerů a vyhodnotit, které požadavky současný informační systém řeší, a které pomocí tohoto systému řešit nelze. Poslední fází je návrh opatření, které by společnost měla uskutečnit, aby požadavky manažerů byly uspokojeny.
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Financial Supervision in Federal Republic of Germany
Veselá, Dominika ; Dvořák, Petr (advisor) ; Veselá, Jitka (referee)
This thesis deals with the organizational structure of financial supervision in Germany with a view to asses the recently completed institutional integration. First, the overview of theoretical models of financial supervisory agencies is submitted including advantages and disadvantages of such concepts. Being aware of the absence of a sole universal applicable solution of the institutional organization of financial supervision, the fundamental requirements are introduced, generally imposed on every financial regulation system in order to perform its tasks effectively. The emphasis of this paper rests upon presenting the German financial supervision in several terms. The main section surveys the evolution of supervision until the formation of BaFin -- Federal Financial Supervision Agency, the ample scope is devoted to legal issues, the inner organization of BaFin is described in detail and the particular attention is paid to funding. The reality of day-to-day supervisory activities is explored in the passage related to problems of financial supervision, where especially the complex question of mutual cooperation between BaFin and Bundesbank In the field of bank supervision comes to light. The supervision-costs analysis focused on the situation prior to integration and mistakenly assumed course after its implementation supplements the general view. Considering all proposed facts the conclusion offers a review of assumptions ensuring a proper supervisory structure.
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Impact of the development and training of employees on the business results of the company
Táborská, Barbora ; Formánková, Dana (advisor) ; Hiltavská, Michaela (referee)
Předmětem diplomové práce je hodnocení dopadů vzdělávací akce uskutečněné v jedné z významných finančních institucí v České republice. Postup hodnocení vychází z amerického modelu, jehož základní charakteristiky jsou vyzdvihnuty v teoretické části. Praktická část práce se zabývá samotnou analýzou vlivu vzdělávaní, která byla provedena na základě interních dat šetřené společnosti a výsledků provedeného výzkumu. Závěr práce se věnuje zpětným vazbám osob, které byly v šetření zahrnuty, a možným návrhům na zlepšení současné situace v dané společnosti.
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Alternative methods of financing foreign trade
Javorska, Lenka ; Sato, Alexej (advisor) ; Jelínková, Eva (referee) ; Machková, Hana (referee) ; Dudek, Miloslav (referee) ; Chvojka, Petr (referee)
Disertační práce se zabývá faktoringem a forfaitingem, jakožto metodami finacování zahraničního obchodu, které nejsou v České republice dosud využívány ve stejné míře jako v zahraničí. Podává nestranný a kritický pohled na oba nástroje, prezentuje nejen základní principy jejich využívání a jejich výhody, ale zaměřuje se na jejich slabé stránky, podmínky a překážky využívání. Součástí práce je také popis současného českého faktoringového a forfaitingového trhu, včetně možných prognóz budoucího vývoje a analýzy nabídky jednotlivých finančních institucí. This thesis focuses on factoring and forfaiting. Both factoring and forfaiting market in the Czech Republic are not as developed as in Western Europe. It offers critical and neutral survey of all aspects of these two instruments, presents not only basic principles and their advantages but analyzes also their weaknesses, preconditions and impediments to their utilization. The thesis also describes current Czech factoring and forfaiting market including assumptions on future developments and analysis of financial products offered by particular financial institutions.
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