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Theory and Practice of Management of Personal Finances in the Czech Republic
Spilka, Jan ; Votava, Libor (advisor) ; Zámečník, Petr (referee)
The topic of this thesis is personal and family finance. At the time of extensive government austerity measures, uncertainty of countries' future, or even international companies, and on the other side the ever bigger influence of advertisement and consumer culture, its importance grows with each year. The main goal of this thesis is to confirm or disprove the hypothesis that presumes the following: although people think they are handling their personal finance right, they often make typical wrong decisions. Part of the theory is a survey dealing with financial literacy of Czechs that support a theory that they have considerable gaps in managing their finances. Further on, the thesis engages in possibilities on how to eliminate these gaps. Doing this, the author perceives the family, or individual, as a parallel to a company, while their finances management makes parallel to the company's accounting. It also briefly deals with why these mistakes are present, using behavioral economics as a tool for explanation. The theoretical part presents possibilities and products that are to find at a usual economy subject on the market to those willing to evaluate their finances. The practical part is looking for answer to question what the most frequent mistakes are. The author then chooses the one he considers the most significant, namely the absence of planning. It then tries to prove, that elimination of this mistake leads to considerable improvements and optimization in managing finances.
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Savings options for consumer sector
Tvrdík, Lukáš ; Radová, Jarmila (advisor)
The bachelor thesis presents the savings options, which are easily available for consumer sector in Czech republic. In 5 chapters there are 5 products presented: home-building savings, fixed-term deposits, saving accounts, pension insurance, saving on checking accounts and cash savings. The main objective is to analyze demand for chosen products and the volume of deposits.
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Family financial planning
Mazáč, Tomáš ; Smrčka, Luboš (advisor) ; Zámečník, Petr (referee)
The graduation thesis is focused on personal and family finances, especially on financial planning. It describes main parts of financial planning -- living, insurance, investing money and making reserve for pension - and helps to find the best ways to reach our goals.
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Banking Products of Česká spořitelna (the Czech Savings Bank)
Pixová, Kateřina ; Kovář, František (advisor) ; Hadravová, Marie (referee)
My bachelor work Banking Products of Česká spořitelna is focused on description of banking products of Česká spořitelna and analysis these products from client's point of view. In theoretical issue I describe bank system in the Czech Republic and Česká spořitelna development with its longtime tradition. I mention the financial crisis. The greatest deal of my work is devoted to describing of banking products, which provides Česká spořitelna to individuals. This is the goal of my bachelor work. Practically part of my work is focused on savings and investment products and provides confrontation of selected savings products with other banks. In this part we can find creation of investment portfolio for hypotetical client. There is a summary of important elements and analysis of position of Česká spořitelna on the bank market in the conclusion of my bachelor work.
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Osobní a rodinné finance
Novotný, Jakub ; Smrčka, Luboš (advisor) ; Zámečník, Petr (referee)
Práce se zabývá tématikou osobních a rodinných financí v té struktuře, že nejdříve nastíní úroveň finanční gramotnosti v České republice a potom postupně prochází produkty finančního trhu spořením počínaje, přes pojištění až investicemi konče. Problematiku rozebírá z úrovně drobného investora či jakéhokoliv jiného člověka, který by si rád v této oblasti doplnil teoretické i praktické informace.
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Family finance planning
Ledinská, Leona ; Smrčka, Luboš (advisor) ; Schönfeld, Jaroslav (referee)
The main aim of this thesis is to describe family finance planning problems. This thesis includes list of financial products, which could be including in family portfolio. Advantages and disadvantages of theses products are describe at different periods of family life, recommendations are given. In the end of this work case study of real family finance plan is processed.
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Teoretické dopady důsledků Speciální teorie relativity na výsledky finanční matematiky
Hejný, Jaroslav ; Málek, Jiří (advisor)
Práce se zabývá souvislostmi mezi Einsteinovou Speciální teorií relativity a postupy, respektive jimi ovlivněnými výsledky, finanční matematiky. Jedná se zejména o problémy dilatace času, kdy pokud se dva různé ekonomické subjekty nacházejí v různých souřadných soustavách, které se vzhledem k sobě pohybují vysokými rychlostmi (v řádu tisíců kilometrů za hodinu), dochází u nich k rozdílné rychlosti toku času, což má následně vliv na oceňování peněžních toků. To potom značně komplikuje interpretaci výsledků, zprostředkování platebního styku a další ekonomické funkce.
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Pension system reform in CR
Kučera, Mario ; Ježek, Tomáš (advisor) ; Munzi, Tomáš (referee)
The object of my diploma is focused in the pension system of The Czech Republic and the perspective of it in the future. At present there is still no problem in the financial balance of the pay-as-you-go pillar but due to the ageing of population the Czech dominant pillar will certain face to serious problems in case of no modifications. This conclusion arises from the first part of the analysis which also consists of the possible parameter modifications that could keep the system in balanced in long term. The next part is the analysis of the savings in the pension funds as the main alternative to the PAYGs. Each approach has its advantages and disadvantages which are main objects of both analyses in this diploma. Beside of the ability to keep the system stabled in financial terms I examine also the equivalence of contributions to the level of pensions that is important for the motivation of people to be responsible for their financial security in their old-age. The last part deals with the experiences of the pension systems in Chile, Slovak Republic and Sweden from where we could gain the real results of the reformed systems in different way in each country. From the results of these analyses I also give some possible recommendations for the elementary modifications in Czech system in the final part.
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