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Loans used to finance housing needs
Součková, Barbora ; Půlpánová, Stanislava (advisor) ; Zetek, Pavel (referee)
The thesis is focused on loans for the financing of housing needs (mortgage loans, construction loans and consumer loans on the property). The work deals with the important parameters of each product. In particular, the definition of the purpose of financing, interest calculation, interest rate guarantees, collateral, repayment duration. Furthermore, the work focuses on state aid granted in these products, as well as credit risk, which is the issue of lending inextricably linked.
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The protection of the economic competition and the role of providing of state aid to enterprises
Paneš, Patrik ; Zemplinerová, Alena (advisor) ; Urban, Luděk (referee) ; Benáček, Vladimír (referee)
State aid is the government intervention, which affects the economic competition because of the preference of certain market subjects. The European Union has concluded that if there exists any violation of competition in the international scale, it would be the reason for constitution of supranational regulation of its providing. The economic policy of subsidizing of chosen market subjects could be in principle taken into account as the subset of the industrial economic policy. Through it, the governments fulfill their miscellaneous structural intentions, from aborning industries helping till the declining industries saving. However, this type of the economic policy seems to be contrary to the protection of the economic competition, which has been declared as the one of key segments of the economic policy of the European Union. Selective privileges constitute anti-competition policy, so thus has been their control incorporated within the policy of the protection of competition. During the reviewing of the legality of provided state aid, we could see that the authorities prefer simpler, just legal review of the problem instead of the deeper economic testing of the given case. And that is the reason (together with the high recency of the theme), why this dissertation aims the generally neglected, economical aspect of the problem. I.a. it concentrates itself on the sight from the perspective of the Public Choice economic theory, which studies the interrelationship between the worlds of politics and economics. This important relation could not be marginalized and during the research work abstracted. Logical structure of exposed dissertation follows: first ordinary chapter focuses on the theoretical concepts of the state aids. It regards chosen questions from the point of view of different streams of the economic thoughts. It devotes itself especially to the effects of the state aids on the economy from the light of macroeconomics, microeconomics and international economics. It contains also conclusions of some empirical analyses. Next chapter focuses on the legal environment of the branch of subsidizing. Primary it contains communitary regulations of the European Union, secondary the list of legislation relevant for the Czech Republic and within the World Trade Organization, which has constituted unique system of countervailing measures. Next part of the dissertation maps different possibilities of measurement of the extent of granted state aids. With the stipulation of calculation difficulty and resulting lower ability of comparability, it uses subsequently four sources of data. One part of the dissertation is especially devoted to the analytical statistical system of the European Union, which is called the Scoreboard. First, there is characterized its methodology, and further, there is -- with the use of this database -- analyzed the structure of state aid granting within the area of the European Union. Its development is compared with the aim of the Lisbon strategy from the year of 2000. Last ordinary chapter represents the attempt -- on the base of the enterprise data -- to elementary research of the existence of the link between state aid and final market. Analysis could be characterized as the contribution to the -- yet more likely occasionally -- research of the effects of subsidizing within the context of competitiveness of target industry. Tested hypotheses are: larger industries receive more subsidies and industries receiving subsidies do not improve their competitiveness. For the case study has been the combination of four data sources used. The goal of this dissertation is the description of the questions of state aid provision from the highest possible number of different points of view, of course with the accent on the economics and with the stipulation of constraint of (un)availability of relevant data. In the end of the dissertation there are submitted some practical economic policy suggestions. During its elaboration there was wide variety of specialized literature used and great number of relevant thought and data sources processed, after all as the enclosed list at the very end of this thesis could show. The value added of exposed dissertation and its contribution to the existing research of chosen theme is namely the complexity of analysis, the compilation of previously developed knowledge, and also empirical findings.
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Innovations in the EU and possibilities of their support in the Czech Republic
Čermáková, Barbora ; Černá, Iveta (advisor) ; Taušer, Josef (referee)
This thesis deals with the topic of innovations in the EU and the instruments of their support. The aim of this paper is to sum up the results of the support which was provided for innovations in the last decade and to identify possible problematic areas which hinder achieving the stated goals in this field. In the first part, after a short introduction where innovations and related terms are defined, innovations are put in context with the Lisbon strategy and the strategy Europe 2020 - the key European strategic documents. The second part focuses on the description of the EU financial instruments which are used to support the R&D&I in the Czech Republic. The final part deals with analysis of the current position of the European Union in the area of innovations and identifies the problematic areas.
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Analysis of changes in the building savings sector
Peichlová, Soňa ; Hradil, Dušan (advisor)
This thesis is focused on building savings as a financial product suitable to evaluate the savings. The main topic was to analyze the effect of changes in law novels of the building savings on financial subjects in Czech market and impact on clients contracting at different times under different conditions. A sub-objective was to examine the profitability of products provided by building and loan association. The thesis is divided into an explanatory theory of the product itself and its history. Legislative change, including implemented amendments is mentioned in this thesis. The practical part examines the impact of changes to building and loan associations and clients.
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Analysis of state aid of financial products
Mizera, Petr ; Hradil, Dušan (advisor)
This bachelor thesis is dedicated to the state aid of financial products and its role in the Czech Republic. Analysis of state aid is focused on products building savings, additional pension insurance, life insurance and loans for house purchase. Product support is important for the client as appreciation of a financial product, it is the competitive advantage of the financial institution in the financial market, the state serves as a tool to achieve goals in public policy and the state aid is applicated more in the Czech Republic than in the Slovak Republic.
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Changes in the model building society
Němcová, Jana ; Půlpánová, Stanislava (advisor)
The thesis is aimed at building savings and changes experienced by its models due to changes in legislature ruling this banking product. The aim of the thesis is to cover the development of builing savings within the framework of its existence in the Czech Republic based on amount of contracts concluded the thesis tries to analyse popularity of building saving in relation to changes od the models and their impact. The thesis at the same time compares positives and negatives of individual models of building savings applied on a single saver. Further target is to decide whether a presen saver is more influenced by the actual model valid in the Czech Republic or the choice of one of five institutions providing the service of building savings based on comarison of the products provided by them.
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Competition policy of EU in the field of state aid
Štěpánková, Veronika ; Němcová, Ingeborg (advisor) ; Karpová, Eva (referee)
This thesis deals with competition policy in the field of state aid. The objective is to outline how the system of granting the state aid works and how the regulations are anchored in the legislation of EU. On the other hand the thesis wants to offer different points of view on the policy. The second half of the paper focuses on the Czech banking sector -- it studies the environment of late 90s and compares the positions of big bank before their privatization. The case of Komerční banka has been chosen to analyze the specific impacts of granted state aid.
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