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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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Neuroeconomics: The analysis of consumer behavior and perception of TV spots
Červenka, Petr ; Chytilová, Helena (advisor) ; Máslo, Lukáš (referee)
The thesis deals with the detailed study of two television commercials of an unnamed energy company. The aim of this work is to determine whether people's subjective evaluation is similar or different to values that were detected during the measurement, after viewing each commercial and in subsequent in-depth interviews. A sample of 24 respondents, who participated in the research, represented the composition of the economically active population in the Czech Republic. These were people of various ages, a combination of educational attainment and an evenly balanced gender ratio. Neurological measurement was done through an eye camera, brain responses were measured using electroencephalography (EEG), and changes in heart rate, skin resistance and body temperature were measured by photoplethysmography. The resulting data ispresented in graphs indicating emotional polarity and activity. The results show that respondent's verbal evaluation of their perception of ads is not necessarily identical with the values that are measured by the devices. The thesis concludes by recommending how to successfully target the so-called end user who uses the services of the company.
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Powertrain Vibration Modelling using Virtual Prototypes
Prokop, Aleš ; Bauer, František (referee) ; Dundálek, Radim (referee) ; Novotný, Pavel (advisor)
This work deals with the matter of powertrain vibration reduction, focusing on the transmission. These units, depending on the purpose of utilization, consist of a high number of dimensionally complex components. These need to possess features, selected already in the design phase, which would guarantee smooth and quiet operation. A properly designed tooth profile and the related specified accuracy of manufacturing are one of the most important features. The basic function and the purpose of transmissions application indicate a relatively wide range of operating speeds and transmitted loads. Moreover, combination of both loading with improperly designed string’s parameter can cause a number of various problems. The vibration initiation with related noise from gear mesh belong to the most significant sources of issues. There are multiple mechanisms of oscillation initiation. Even when using the latest trends in the development of teeth, when their shape is upgraded and developed to meet specifically given load range, the above mentioned irregularity of transferred torque cannot be completely eliminated. Therefore, it is necessary, already in the design phase, to eliminate the transmission paths by which are vibrations transmitting to other components. People perceive this action in the form of vibration, noise, or temperature change in the surroundings. With the increasing comfort levels and number of produced vehicles the reduction of vibration and noise of machinery parts becomes stricter, including gears. The experimental approach is primarily used to assess the accuracy of designed gearboxes, but it is a very expensive and a time consuming method. Therefore, it is necessary to develop a process that utilizes both numerical simulation and experimental approach but also combines the advantages of both, particularly time and cost savings and comparability of results. For this purpose, the experimental gearbox is designed and manufactured including the single-stage gear enabling variable configurations in terms of the ratio change. The gearbox is subjected to numerical simulation of different complexity levels, as well as technical experiment. Furthermore, the universal virtual prototype in Multi-Body System ADAMS is created, which reflects the impact of several key parameters for proper functionality, such as axial distance, backlash, gear mesh stiffness, shaft mounting stiffness (bearings) and modal properties of the shafts and gearbox housing. Last but not least, the impact of imbalance or irregularity of input shaft speed is incorporated. The last part focuses on a brief description of the application of the presented methodology – modelling of vibrations on the tractor gearbox.
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Possible influence of space on the quality of client's life in residential services for seniors
Borská, Klára ; Vodáčková, Daniela (advisor) ; Matoušek, Oldřich (referee)
This thesis deals with the influence of environment on quality of life of seniors living in residential care for elderly. The main source for it was professional Czech and foreign literature and other related updates. The introductory chapter presents definitions of important characteristics of old age and aging, science aimed at this group, supplements and concepts aimed at elderly citizens in the Czech Republic and abroad. The second chapter takes the task of meeting with theories of quality of life, in the context of meeting the needs of the individual. The third section summarizes the definitions of space and its importance in human life. The following factors and that the space in which people live influence. The fourth chapter deals with residential services and their quality. Also deals with the Social Services Quality Standards and Quality Mark project, which focuses on residential care. Research section is intended to evaluate the impact of environment for seniors in their quality of life. Tracks selected areas of significance for the respondents and also satisfaction with their fulfillment. Final summary of research on the basis of the findings suggests points that should be respected in residential care for the elderly.
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Analysis of unemployment risk groups in the Moravian-Silesian Region
Hrušková, Lucie ; Jindrová, Andrea (advisor) ; Jana, Jana (referee)
The thesis deals with selected risk groups of unemployed in Moravian-Silesian region in the years 2006 to 2015. The theoretical part describes the basic concepts related to unemployment and individual risk groups, time series and characteristics of the Region. Own work is focused on the analysis of unemployment in the Czech Republic, Moravian-Silesian region and analysis of high-risk groups of people with reduced working capacity, a group of women and persons caring for children under 15 years of age, risk group of people over the age of 55 years and at risk groups of people according to educational structure. Predictions for the next development period is treated the choice of methods of time series. The analysis is drawn from the available data from the Czech Statistical Office from 2006 to 2015. The final section includes a proposal for measures to improve the future development of the individual groups.
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Evaluation of Some Social Conditions - October 2016
Tuček, Milan
In October 2016 Public Opinion Research Centre's survey investigated views of Czech citizens on some social conditions. From all specific social conditions included in the survey people evaluate mostly positively the accessibility of education (86% positively, 10% critically), the health care (74% : 24%), and a chance to get a job (52% : 45%). All other monitored areas of social conditions - i.e. a chance to get a flat (36% positively, 57% critically), financial situation to start a family with children (29% : 65%), social security for the elderly (18% : 76%), and life conditions for the handicapped (30% : 56%) - are evaluated mostly critically.
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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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Children's group as a tool for achieving work-life balance
Vojtová, Eva ; Šmíd, David (advisor) ; Rožnovský, Lukáš (referee)
The thesis discusses the problems of reconciling work and family life, focusing on the provision of services in a children's group under Act no. 247/2014 Coll. The theoretical part defines basic concepts relevant to work-life balance and briefly summarizes the options of preschool children care in the Czech Republic. The first part also elaborates the legal formalities of so called children's group. The practical part aims to assess the current situation of a specific children's group, reveals its strengths and weaknesses, opportunities and threats and on their basis formulates recommendations for its future successful operation. When processing this paper, literature review, description, questionnaire, depth interview and a final analysis and synthesis of knowledge utilized for formulating future proposals are used.
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