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Usage of documentary payment instruments in financing the international trade
Šťastná, Vladimíra ; Schlossberger, Otakar (advisor)
The objective of the diploma thesis is to describe the documentary payment instruments mainly their legal regulation, define their main advantages and disadvantages in connection with foreign trade, describe the types of these payment instruments, define participants of the relationships, the future development of both instruments etc. After the theoretical part the analysis of the documentary payment instruments under chosen criteria is performed. The total volumes of letter of credits issued and confirmed by three czech banks within period 1997 -- 2007 are compared and the trends of their development are theoretically explained. The bank fees regarding to letter of credits and documentary collections are compared as well.
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Capital adequacy of banks
Müller, Tomáš ; Dupáková, Lenka (advisor) ; Hraba, Zdeněk (referee)
This work concentrates on the issue of capital adequacy of banks. Inadequate capital base of the banking sector is often referred to as one of the causes of the latest financial crisis. Such topic is currently very actual. Even banking regulators pay high attention to this topic. In my thesis I focus on legal and economic aspects of this topic. It is typical for the banking sector that banks operate with much more leverage effect than enterprises belonging to other sectors. Therefore, I focus on the root cause of this phenomenon in the third chapter. I assess the bank indebtedness using the theory of optimal capital structure and I also address the relations between economic and regulatory capital. In the fourth chapter I focus on the concept of capital adequacy and its comparison with leverage indicator. The next chapter concentrates on the development of regulatory minimum capital adequacy standards developed by the Basel Committee on Banking Supervision, known as Basel I and Basel II. The last but one chapter focuses on the latest regulatory rules Basel III governing the capital adequacy of banks and their legal implementation. Final chapter analyzes the impact of Basel III rules on the capital structure of banks in the European Union and the Czech Republic. A separate part of the chapter is...
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An Analysis of the Factors Affecting Credit Risk in Personal Lending
Kissík, Tomáš ; Dvořák, Petr (advisor) ; Fleischmann, Luboš (referee)
This thesis takes up the issue of consumer loans credit risk. It aims to identify factors that influence the likelihood of default during the repayment of bank retail products. Theoretical part is focused on the theory of bank loans, credit risk together with its regulation within the Basel guidelines and a description of the most commonly used statistical methods for the creation of scoring models. In the practical part, logistic regression parameter estimates are used on real set, the main features linking loans in default are examined and their impact on the proportion of bad loans in the portfolio is measured.
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The future of central banking in the economic system of developed countries on a basis of evalution of the experience from the last decade
Vilt, Lukáš ; Ševčík, Miroslav (advisor) ; Munzi, Tomáš (referee)
Thesis is dealing with the development of the central banking on the basis of experience from the last decade. Hypothesis is the statement, whether the central banks of the developed economies are increasingly less capable of the effective reactions on the accelerating development of the global economy and their position in the money emission and regulation of the banking sector is and will be more and more weakened by the alternative banking and monetary systems. This hypothesis is successfully disproved because of the behavior of the four chosen central banks which are CNB, FED, ECB and BoJ. The main reason was an increase in their activities and interventions causing among others multiplication of their balance sheets. On the other hand the alternative in the free banking is further from the reality than before. Virtual currencies also did not show threatening growth of the national currencies substitution in the reference period. Thesis also provides insight into new and potentially new instruments of the central banks.
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Banking regulation and supervision
Zhiltsova, Elizaveta ; Radová, Jarmila (advisor) ; Fleischmann, Luboš (referee)
This thesis mainly deals with the regulation and supervision of the banking system. It examines the reasons and aims of regulation, banking supervision institutions, position of the Czech National Bank and the scope of their powers to domestic banks and other financial institutions in the Czech Republic. The aim of the thesis is to identify and present topical information on the current manner and degree of regulation and supervision, law methods of regulating activities, exploration of the latest changes and trends in the sphere of regulation and supervision in the Czech Republic and EU influence.
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The analysis of the convergence criteria
Poul, Milan ; Kopecká, Lenka (advisor) ; Jitka, Jitka (referee)
This thesis deals with changing over to a new currency (euro) in the Czech Republic. The theoretical part focuses on the information about European integration and the establishment of the economic and monetary union. Further it explains Maastricht convergence criteria and finally summarizes the key milestones of integration of the Czech Republic into the EU. The practical part is devoted to the realization of the objectives of this thesis. The main objective deals with analysis of the convergence criteria in the Czech Republic. Secondary objects of this thesis solves the effect of adoption the euro for one thing on economic entities (consumers, companies and government) and for another the main changes in the activities of the Czech National Bank.
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Analysis of participation of the Czech Republic in the Banking Union
Spáčilová, Monika ; Štěpánek, Pavel (advisor) ; Ševčíková, Michaela (referee)
The aim of the diploma thesis is to evaluate possible benefits and limits of The Czech Republic participation in the Banking Union. After the global financial crisis, Banking Union concept was undertaken as a response to decline of market confidence in the euro area banking systems. The Czech Republic is a country outside the euro area, therefore has an option to enter to the Banking Union by close cooperation agreement with the ECB. Historic development and structure of the Banking union is presented with the context of bank regulation genesis in European Union. After the theoretical part, thesis provides specific attributes of Czech financial markets and create a comparison of selected data among Czech Republic and European Union member states. Based on the detailed analysis of the relevant aspects, benefits and risks of the Banking union membership are provided.
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Financial analysis of Sberbank CZ, Inc.
Sládek, Jan ; Radová, Jarmila (advisor) ; Fleischmann, Luboš (referee)
The main objective of this master thesis is to develop a financial analysis of banking institution Sberbank CZ, Inc., to evaluate the overall effectiveness of its activities and to compare its situation with competing banks. The master thesis is divided into three main parts. The first part focuses on description of methodological and theoretical findings, which are connected with financial analysis. Attention is paid not only to financial analysis and financial indicators, but the author of the thesis also deals with information resources, information duties of banks, financial statements and regulations of the Czech National Bank. The second part is devoted to introduction of chosen banks and description of their main features. The third part focuses on application of reached findings and creating financial analysis of Sberbank CZ, Inc.. Results will be continuously evaluated and also measured with competing banks. In conclusion are presented reached results of financial analysis, on which is evaluated whole financial situation of Sberbank CZ, Inc..
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