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Financial literacy and budgeting of the Czech household
Kotal, Martin ; Rajl, Jiří (advisor) ; Brodani, Jana (referee)
The author of this bachelor´s thesis tries to explain the basic information related to financial literacy and its importance in everyday life, primarily for making budget and during financial planning. Additionally it deals with chosen products, that a finantially literate individual as part of their improvement, should know and be able to use. The thesis also focuses on the practical application of the chosen financial products to reach a set of goals derived for a model family in real conditions. The result is an understandable manual, which a family in a similar situation could use to its adavantage.
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The Use of a Bridging Loan or Mortgage of Selected Financial Institutions Regarding the Value of a Purchased Asset
ŠEBESTOVÁ, Jana
The topic of this bachelor thesis is The use of a bridging loan or mortgage in selected financial institutions regarding the value of a purchased asset. There were created two specific variants for this work which were different in the price of real estate. Three financial institutions were selected for comparison of mortgage and three financial institutions for comparison of loans from building savings (loans from building savings has got two phases phase of bridging loans and phase of regular loans from building savings. In this work there were compared this criteria- interest rate, RPSN rate, monthly repayments and final price which is paid by client to financial institutions for lending money. The most convenient variant of both specific variants was from financial institutions Raiffeisen stavební spořitelna, who was offered loans from building savings. All compared criteria were better than other. The offer on the second place was mortgage from Raffeisenbank. Conversely, the most disadvantageous offer was loan from building savings from Wüstenrot stavební spořitelna.
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Financial literacy of high school students
Novák, Michal ; Homolka, Jaroslav (advisor) ; Šeráková, Petra (referee)
The bachelor thesis deals with the topic of financial literacy of high school students. The level of financial literacy is currently more and more discussed issue due to the potential threats leading from the ignorance of financial literacy.
The thesis consists of a theoretical and a practical part. The theoretical part is used for explaining and defining basic terms from the field of financial literacy. It includes e.g. norms of financial literacy, annual percentage rate (APR), inflation, budget etc.
The content of the practical part is based on a survey of a level of financial literacy made at chosen high schools. For the practical part, pupils of the third class of Grammar School and Business Academy Pelhrimov and Secondary School Pelhrimov were anonymously approached. On the basis of the research the ways of improving the level of financial literacy were propound.
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Řešení nedostatku finančních prostředků v různých typech domácností v ČR
Pavézková, Lenka
The diploma thesis deals with the identification of forms solution for the absence of financial funds in different types of households in the Czech Republic. The theoretical part focuses on the consumer behaviour of households and the factors influencing the consumption. The practical part is based on qualitative research which analyse the structure of income and spending of households and their consumer preferences. It recognizes the main reasons leading households to saving, lending and using of financial products. A significant part of the diploma thesis is focused on the issue of financial literacy. Research sample was consisted of 18 households, for one month households had to recorded income and spending into the diaries. Diary survey was supplemented with in-depth interviews (n = 18). Gained information allowed to deduce conclusions and to formulate recommendations for institutions acting in the financial markets.
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Information system for financial consultant
Sonták, Miloš ; Novák, Pavel (referee) ; Kříž, Jiří (advisor)
The thesis describes state of the art financial consultant in the marketplace and their processes with reference to Czech legislation. Objective is map their processes and on the basis consultation create new information system, that would have improved work to consultants and enable effective accounting.
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Comparing of investment and saving possibilities for common clients in the Czech Republic.
ŠIMEK, Marek
The aim of this final work is to compare different saving and investment possibilities for common clients in the Czech Republic and also to explain basic terms relating to investments and financial products. This work mostly deals with "magic triangle", where dominant criteria are profit, risk and cash position. Furthermore, methods of different types of variants´ evaluation and setting scale methods, which were applied on three different products for three diverse types of clients, are explained here. Advantges of these methods are that they impeach importance of criteria chosen by a client. Particular offers are rated this way and ordered from the best option to the worst.
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Personal & Family Financial Planning
Steklý, Ondřej ; Smrčka, Luboš (advisor) ; Zámečník, Petr (referee)
The first goal of this bachelor thesis is to introduce current best-selling financial products and to describe their appropriate usage. The second goal is to describe major ways of distribution of financial products and point out some problems from the "only good for the customers'" point of view. Third goal is to introduce personal and family financial planning and put particular financial products into this context. Chosen issues are described from the practical point of view of a financial advisor with two years' experience in the field. Thanks to this experience I describe not only how the financial planning "should take place", but also how the financial planning in some cases "takes place". In addition to that I describe most common ways, how sellers on the Czech financial market cheat their customers.
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Consumer protection in area of financial services
BOBKOVÁ, Hana
Graduate work focused on the current situation on the consumer credit market. The aim was to map the current market and the experience of the provision of financial services, in particular in the non-banking sector. On the basis of the results of the research were analysed experience and problems of the consumers, and also views of the lenders.
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The Level of Financial Literacy of Citizens
Vtípilová, Iveta ; Votava, Libor (advisor) ; Hromádko, Martin (referee)
The aim of this diploma thesis is an analysis of a level of financial literacy of citizens of Czech Republic. The opening part concentrates on the definition of basic concepts and on the characteristic of financial literacy. The second chapter deals with activities and programs for support of financial literacy on a multinational and European level and describes activities, which support financial literacy in the Czech Republic. The final chapter of this theoretical part contains a summary of the most important concepts of financial literacy in the context of normal civic life. The findings and outcomes of the fourth chapter are based on the processing results of the survey aimed to examine the financial literacy of the sample of respondents. The last part of this thesis is devoted to demonstration of possible activities to increase financial literacy.
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