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Insolvency citizens of the Czech Republic
MATĚJKOVÁ, Michaela
The aim of my bachelor´s thesis is to map the situation of loan defaults by the Czech citizens. The theoretical part deals with the concept of insolvency. It is devoted to the description of the insolvency proceedings, the insolvency court characteristics and the characteristics of personal bankruptcy. Finally, the theoretical part is focused on the executors practise when loan aren´t repaid. The practical part aims the insolvency survey of the Czech citizens over 18 years old. Furthermore, the insolvency was compared according to sex, age, educational attainment and social status. Finally, it was investigated, how well are these respondents financially literate and if the lack of financial literacy affects the insolvency of surveyed ones.
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Analysis of the trend of household debt in the Czech Republic in the period of 2000 - 2011
Kučerková, Zuzana ; Kotýnková, Magdalena (advisor) ; Pavlíček, Tomáš (referee)
The aim of this thesis is to analyze the level of household debt in the Czech Republic in the period from 2000 to 2011, causes of indebtedness and analysis of use of personal bankruptcy. The theoretical part is focused on economic, social and legal aspect of the issue of household debt. The practical part consists of analysis of statistical data describing the development of the level of household debt in the years 2000 - 2011 with the help of monitoring absolute and relative measuring indicators. Further analysis is carried out using of personal bankruptcy in the Czech Republic in the period from 2008 to 2012. On the basic of these analyses, this work suggests the ways to improve the situation of over-indebted households. Special emphasis is placed on the relatively new of vulnerable households - pensioners and it is also defined the causes of this phenomenon.
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Corporate Governance
Mozolíková, Veronika ; Pirožek, Petr (advisor) ; Král, Pavel (referee)
Main goal of this dissertation is to analyze and evaluate corporate governance of DEK Company. Dissertation is composed of two parts -- theoretical part and practical part. The theoretical part will summarize the issue of corporate governance, which will result primarily from literature and relevant legislations. The practical part is the theoretical part applied to the selected company. To meet the targets will be used primarily analysis of ratios and cooperation with the member of the Board. At the conclusion will be compared to theoretical solutions with real results and propose recommendations for the company.
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Connection working capital with company performance
BALLÁKOVÁ, Monika
The aim of the Diploma work was to evaluate the evolution of the structure of working capital in connection with corporate efficiency in a particular company for the period 2008 - 2011. In the theoretical part was at first described working capital, methods of efficiency evaluation. The practical part begins to describe a company Zemědělské družstvo Netřebice, followed by analysis of the company itself. The results are compared with previous years and some with industry.
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Consumer loans and their impact on the debtor´s social situation
KOKEŠOVÁ, Petra
The bachelor's thesis entitled Consumer credits and their impact on the social situation of debtors investigates the causes and consequences of entering the credit contracts. Borrowing money becomes a risky phenomenon and has a very negative impact on the society. The theoretical part of the thesis describes the legal regulation of consumer credits and motivation of persons to enter them. It describes the causes leading to inappropriate indebtedness of persons, being normally not able to get a credit in view of their income. It refers to the facts stated in the business terms and conditions and practices of sellers and companies. Thanks to arrangements in the business terms and conditions which are an inseparable part of the contract and which are accepted by signing by the client, it may be agreed that a not paid claim may be ceded to a lawyer's company for collecting. In such a case, the debtor is obliged to pay also the costs of legal representation. The occurred claims are increased considerably by the court or arbitration proceedings. The people's low knowledge of this issue is confirmed also in the conclusion of bachelor's thesis. In the practical part of the research, three research questions were formulated: 1) Do the respondents use the consumer credits for the necessary subjects or services? 2) Does the company elaborates a financial plan for the borrower to estimate if he/she will be able to meet its obligation? 3) What impacts had exacting the claim on the social situation of the respondent or its family? 8 persons utilizing the services of Consulting Centre ? Equal Chances for Everybody operated by Jihočeská Růže o.s. took part in the research. The talks were performed individually and anonymously. The qualitative method of questioning and analysis of contents of documents deepening the research were applied. These documents were 315 credit contracts from a non-banking company which are handed over for collecting to a lawyer's office. The task of this thesis was to find out if the persons entering credit contracts behave maturely, if they think about the consequences of this behavior; if the inability to pay occurs only for external reasons or if these persons act rashly with the target to satisfy their momentary needs. The thesis shall research the purpose for which the households are inclined to enter credit contracts. I deepened this research also by the analysis of not paid credit contracts. By means of interviews with respondents I tried to describe the consequences of the financial burden of repayment of the claim on their life or life of their family. It was confirmed by the research that the concern are less necessary and more expensive goods. Lower share represented the credits for standard equipment of households. These goods were mostly electronics as notebooks and TV-sets. The talks with respondents confirmed also the statement that the credits are also used to pay the debts of another creditor. The respondents, who are not able to meet their obligations do not create any financial plans. This shows the low responsibility rate of these persons. Before entering the contract, they do not compare the products and do not ask about credit parameters. The research confirmed the prognosis of experts. The financial burden had a negative impact on the life of the family resulting in consideration of divorce. The respondents had negative psychological consequences manifested in the form of stress and depressions. The financial burden caused by collecting claims resulted in several cases in the inability to pay further obligations as e.g. housing. In one case, economic and cultural limitation occurred.
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The financial analysis of the selected retail company
HLAVÁČ, Adam
This thesis focuses on financial analysis of a chosen commercial enterprise and it covers the period from 2006 to 2010. For financial analysis was chosen enterprise ESSA, spol. s r.o. from České Budějovice. I used these groups of indicators for the analysis: vertical and horizontal analysis, profitability, activity, indebtedness, liquidity, bankruptcy model, creditworthy model.
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The use of mathematical-economic methods to assess the development of savings and indebtedness of Czech households
TUREČKOVÁ, Denisa
This thesis uses mathematical and economical methods for the analysis of the development of savings and indebtedness of Czech households. The theoretical part defines basic terms, the financial market and its instruments, institutions and describes the types of credit and savings products. The practical part contains an analysis of the development of debt and household savings from 1995 to present. The last part of the paper compares the status of Czech households with other households in selected countries of the European Union. There are used data provided by the CNB and Eurostat.
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The company efficiency and its evaluation
MÁLEK, Martin
The objective of this thesis is to evaluate the efficiency of the selected company in the period of five years. Business efficiency is evaluated by using absolute indicators, ratio indicators, bankruptcy and credibility models and pyramid decomposition. The theoretical part describes the specific evaluation methods and practical part already contains the actual calculation and evaluation the efficiency of the chosen company. In the final evaluation there are summarized results of analysis and proposals for action.
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Assessment of the financial situation of a particular enterprise
ZINKEOVÁ, Šárka
This Bachelor thesis is focused on the financial analysis of a particular company, during the period from 2007 to 2011. The company is compared to other companies, which are from the same industry. The theoretical part of this Bachelor thesis contains a definition of the financial analysis, sources of data, participants and methods of this analysis. Furthermore I drew up the methodology which outlines a way of calculating indicators, which are used in the practical part. In practical part I analyzed the limited company, which is called SG strojírna. Then I compared this company to three other companies. The practical part has three sections. The first section includes indicators of ratio analysis such as liquidity, profitability, indebtedness and activity. In the second section I map the development of the company based on Du Pont analysis. The third section is concerned with bankruptcy models. The conclusion of this thesis contains an evaluation of the company´s financial situation and measures proposed for greater profitability and efficiency.
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