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Households consumption development in the Czech Republic
Málková, Zuzana ; Pavelka, Tomáš (advisor) ; Džbánková, Zuzana (referee)
This work deals with the households consumption. The theoretical part of this paper consists of concepts and relations of households consumption. The practical part relates to analysis of the households consumption, its structure and progress. This part deals e.g. with the relation between consumption, savings and disposable income. I try to find out which portion of gross domestic product belongs to households consumption in the Czech Republic and in the European Union and I analyse the impact of consumption on changes in gross domestic product.
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Indebtness of Czech Republic
Kouřil, Radislav ; Háva, Petr (advisor) ; Ochrana, František (referee)
Thesis deals with the indebtedness of Czech households and its causes. In the processing were used the available information and data sources on the subject, at the same time were compared with surveyed data from ongoing practice. On the basis of observed data were made the conclusions of this work - public debt is not characteristic only for the citizens of the Czech Republic, covers a large number of households, regardless of the age structure, the balance of the mortgage and consumer loans may not be related only to the level of income, because it affects the people who are financially well hedged too. Intimately linked with financial education, which is not for Czech citizens to the desired level. Powered by TCPDF (www.tcpdf.org)
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Analysis of debt and savings of czech households
Bíbová, Klára ; Půlpánová, Stanislava (advisor) ; Hradil, Dušan (referee)
Thesis deals with the analysis of financial behavior of czech population in terms of debt and savings. It focuses on households, because they support economic growth by consumer spending and also constitute an important factor in the labor market and store money into the various types of savings and thus provide important sources of financing to domestic economy. The work analyzes household debt with banks and non-banking institutions, its causes and possible consequences, and also includes comparison with the situation in the EU. Part of the savings analyzes the link between the level of gross savings, disposable income and household consumption and the relationship of growth of savings and unemployment, the development of various types of savings and compares the situation with EU countries.
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Correlation of the economic growth and consumption in the Czech Republic
Škorpil, Marek ; Čermáková, Klára (advisor) ; Mirvald, Michal (referee)
The topic of this work is the correlation of the economic growth and final consumption of households in the Czech Republic during the years 2000 - 2008. This work is concerned with the creation of income and consequent consumer behaviour of households. At the dawn of this period is possible to observe ambiguous trend of average propensity to consume (save) but from the 2004 the average propensity to consume (save) has declined (grown). The aim was to confirm the thesis that household derives its consumption not only from the income level, but also from the nominal interest rates. The presumption was not proved probably due to incorrect specification of the model. In this work, the relation between consumption and GDP is not tested directly, but by using the disposable income. On the basis of the successful testing of dependence between particular variables, this work tries to create a model of consumption dependent on the GDP and disposable income. Due to high collinearity between the independent variables, the presumption wasn't confirmed.
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Inhabitant Consumption Statistic
Orendáčová, Jana ; Poláková, Olga (advisor) ; Krebs, Vojtěch (referee)
Main goal of the diploma thesis is to describe household consumption and its survey in the Czech Republic not only from the macroeconomic but mainly from the microeconomic standpoint. Consumption expenditures are the main subject of many long-term analysis and forecasts which help by implementation of economic and politcal precautions. In connection with the historical development of statistic as a scientific disciplin there is also a significant stress on a methodical development of household budget surveys which examine consumption expenditures of different social groups and household types. After the analysis of development and structure of household consumption surveyed by National Accounts and Household Budget Surveys the attention is given also to household consumption in member states of the European Union among which is also the Czech Republic.
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Indebtedness of households-causes, impacts, comparison
Suchánková, Martina ; Jílek, Josef (advisor) ; Rybáček, Václav (referee)
The thesis will deal with reasons that lead to households becoming in debt on one hand, and on the other hand, the impacts that are caused by this process. Households are the biggest economic subject that create savings. They are also the second biggest debtor of the financial sector. From this point of view, there is an important role for the banks and financial institutions that offer households many kinds of credit products. The role of the central bank and its monetary policy and supervision are also important. In the theoretical part of the thesis some approaches of various economists will be described and monetary policy and defined economic subjects will be explained . In the second part of the thesis, ways that can run people into debt and the evolution of interest rates will be analysed. Focus will be also put on innovation that has arisen in financial markets, that have made credit expansion possible, mainly securitisation. After that an analysis of negative and positive macroeconomic impacts will follow, which are brought on by excessive financing of consumption and housing. The thesis will finish with a comparison of the households' debt in the Czech Republic and in other developed countries.
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Indebtness of Households and Financial Markets Stability
Uhlík, Jan ; Rybáček, Václav (advisor) ; Kuhn, Petr (referee)
During last 20 years there was huge boom in the financial markets thanks to increase of household indebtness. This work studies acceleration of consumer and mortgage debt in EU, USA and Czech Republic during 1990 -- 2007. Due to liberalization and interest rate volatility there was an unprecedented increase of indebtness thanks to very low mortgage interest rates. Goal of this work is to analyze situation in countries, compare developments between them and find similarities which are typical for them. This works also focuses on financial stability in Czech Republic and influence of eventual insolvency on this stability. Besides households there is description of financial markets with mortgage securities and its possible threats.
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Management of textile waste from housholds in Czech Republic
Nencková, Lucie ; Hadrabová, Alena (advisor) ; Lisa, Aleš (referee) ; Hájek, Miroslav (referee)
Proper consumer attitude towards textile products and optimal post-consumer waste management of textile waste is connected with many benefits. Despite this fact, little research has been conducted on these topics. Textile waste represented mainly by donated textile from households and its material flow in waste streams mirrors the behaviour of our consumer society as well as new technologies in textile and fashion industry. More information about consumer attitude and behaviour toward textile and textile waste is needed to provide suitable waste management processes according to the hierarchy of waste management, such as re-use and energy recovery, and to ensure sustainable development and minimal impact on the worlds wellbeing. This study takes into account not only waste management of textile waste, but also tries to understand all textile issues in a wider perspective. Particularly fashion industry is connected with many negative ethical aspects (e.g. sweatshops), and many environmental issues are connected with overproduction of lower-quality textile products. Proper handling of post-consumer textile products is only one of the product life cycle stages to be solved. The main goal of this study is to discuss the results of a consumer attitude and behaviour questionnaire toward textile and textile waste from households in the Czech Republic. The study also includes partial hypotheses and an analysis of interest groups as other possible sources of information to form proper textile waste management policy tools and strategies.
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Development analysis of consumer loans in the Czech Republic and Slovakia
Ličko, Oliver ; Radová, Jarmila (advisor) ; Rajl, Jiří (referee)
The diploma thesis Development analysis of consumer loans in the Czech Republic and Slovakia describes the development and the structure of household debts in the Czech and Slovak Republic with major focus on the consumer loans development in both countries. Theoretical part is dedicated to the determination of different loan products for households, and the description of legislation related to consumer loans in both countries. The analysis of each market observes household debts and the development of consumer loans. The development is compared with elementary bank and macroeconomics measures which mostly influence demand for consumer loans. The final part focuses on the comparison of the results and findings between Czech and Slovak market.
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