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Development of building savings product in the Czech Republic
Brothánková, Kamila ; Daňhel, Jaroslav (advisor) ; Fleischmann, Luboš (referee)
This bachelor thesis deals with development of a building savings product in the Czech Republic. It introduces basic characteristics of the product, describes current market conditions and prognoses for its future development and mentions a former purpose of its establishment, which was housing issues solution. The theoretical part firstly introduces the Building Savings Act and changes that were implemented on it so far. It also describes a building savings contract, conditions for state financial aid, problems related to purposefulness of the product, defines the terminology used in this thesis and describes individual parts of the product and its advantageous conditions. Later it provides a general description of individual building societies and the building savings products offered by them. In the applicative part of the thesis, a current state of the building savings product is presented and future development prognoses for neighbouring countries are demonstrated.
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Insurance frauds in the Czech Republic
Nováková, Miroslava ; Rybák, Zdeněk (advisor) ; Daňhel, Jaroslav (referee)
In this bachelor thesis I outline the topical issue of insurance frauds. The first part provides the definition of these frauds, what are their causes, consequences and in which insurance sector they occur the most. The next part of the work describes statistics of rauds in 2015 and 2016, where we can see how these figures increased and decreased within individual insurance classes. I list the possibilities of distributing insurance frauds according to different points of view. I also analyze possible ways to prevent and combat this issue. I also mention several known and unusual cases from real life. My work ends with an interview with Mr. John Mergel from Colonnade Insurance, who gave me more information about this issue and explained how these frauds are solved in real life. Insurance frauds are increasing year after year and the aim of this work is a general dedication to this issue and an analysis of the possible struggle with them.
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Comparison of the motor insurance market in the Czech Republic and abroad
Besperát, Lukáš ; Drozen, František (advisor) ; Daňhel, Jaroslav (referee)
This thesis provides a comparison of the insurance market in the Czech Republic with select countries around the world. The main aim of the thesis is to identify differences in motor insurance in ten select countries around the world. The author defines various types of products and their differences, provides a comparison of insurance markets in relation to: legislation and the definition of certain products. In order to provide appropriate coverage, the author uses a method of indexation and absolute price. As a result of this work the reader will be better able to select the best insurance product available on a given market for the customer based on a set of conditions.
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Tour Operator Insurance
Coňková, Monika ; Ducháčková, Eva (advisor) ; Daňhel, Jaroslav (referee)
This bachelor thesis deals with compulsory insurance of guarantees in case of bankruptcy of travel agencies in the Czech Republic. In the individual parts of the thesis I described the development of legal regulations and evaluated its current state, which I assessed as not very satisfactory. I classified insurance in the case of bankruptcy as the general insurance and described all its parts - insurance contract, policy period, capital sum, etc. In one chapter I dealt solely with the insurance companies offering this insurance product, when I sorted out the insurance market by the individual insurance companies offering the insurance against bankruptcy of travel agencies. Due to the current problems with this type of insurance, I am convinced that further substantial amendment of Act No. 159/1999 Coll. As amended, is necessary.
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Reinsurance Treaty from the perspective of Reinsurer
Marek, Michal ; Ducháčková, Eva (advisor) ; Daňhel, Jaroslav (referee)
Main goal of the bachelor thesis is to provide the reader with easily actionable insights to the fundamental elements of obligatory reinsurance treaty. Author tries to enlight the core of each item, which has to be agreed on. Acomplishment of the main goal is supported with few partial goals. Primarly show all in the most practical way and give basic concepts. The result is to make the reader aware of chosen situations and draw up comprehensive list of exclusions. In teoretical part is used mainly abstraction. Generalizing abstraction in majority acompanied with izolational abstraction. Author's result is giving examples on an idealized observations. Researched field are essential elements of reinsurance.
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Segmentation in Motor Third Party Liability Insurance
Nevoral, Michal ; Ducháčková, Eva (advisor) ; Daňhel, Jaroslav (referee)
The subject of the bachelor thesis Segmentation in Motor Third Party Liability Insurance is to briefly cover the topic of motor third party liability insurance from the perspective of the insurance theory with the emphasis on premiums and consequently to analyse segmentation on the Czech motor third party liability insurance market. The aim of the thesis is a capture of all the factors influencing the price of the motor third party liability insurance, a detailed analysis of selected factors in term of influence on the amount of premium written and average claim settled and a resulting assessment of suitability for particular segmentation criteria use.
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Building society savings account in comparison with another savings society products
Miller, Jan ; Ducháčková, Eva (advisor) ; Daňhel, Jaroslav (referee)
In the bachelors thesis Building society savings account in comparison with another savings society products we aim at analysis of building society savings products within three different building societies and coherently at analysis of fixed term deposit accounts. The bachelors thesis is divided into two parts. In the theoretical part, we are going to describe both above mentioned products. In the second, practical part, we are going to analyze both products altogether at six different financial institutions. At the end of the practical part we are going to weight the favorableness of the products from the consumer point of view.
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Property insurance of residents of Ukraine in comparison to the Czech republic
Babyčová, Olga ; Ducháčková, Eva (advisor) ; Daňhel, Jaroslav (referee)
The aim of the thesis is to analyse property insurance in the Ukrainian insurance market and to compare it with the property products offered by the insurer in the territory of the Czech republic. The thesis is divided into four basic parts. Firstly, it characterizes the economic and political situation in Ukraine, and then the insurance market and, above all, property insurance products. In the second part, the thesis deals with the analysis of two selected insurers operating in the Ukrainian market and the products offered by them. In the end, the thesis deals with the comparison of economic indicators, the insurance market and the property insurance market in the Czech Republic and Ukraine. The main purpose of the work is the provision of comprehensive information about the insurance market in Ukraine with an emphasis on property insurance.
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Insurance fraud
Nguyenová, Nhan ; Galuška, Jiří (advisor) ; Daňhel, Jaroslav (referee)
The bachelor thesis focuses on the issue of insurance fraud whose number has recently increased. Insurance frauds mainly appear in non-life insurance. The thesis describes the elements of insurance frauds and mentions them in various insurance areas in the 3 most important companies in the Czech Republic. The work contains a detailed analysis of these insurance companies and areas where insurance frauds cause the greatest damage. I also proposed preventive measures and provide a comparison of the current situation of the insurance companies with last year. The aim of my work is to define insurance frauds as a problem weighing our company at present to analyze in detail the problems of insurance companies and to analyze the area of the most frequent occurrences of fraud and to mention preventive measures.
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Analysis of management of the insurance company UNIQA a. s.
Skuratova, Yulia ; Galuška, Jiří (advisor) ; Daňhel, Jaroslav (referee)
This bachelor thesis deals with the financial analysis of the insurance company UNIQA a. s. during the period 2008-2015. The first and the second part of the thesis deal with the theoretical basis for financial analysis of business entities and mention the specifics of the management of commercial insurance companies. The third part characterizes the chosen insurance company and the financial analysis on the basis of common ratios and indicators specially adapted for financial analysis of insurance companies is included in the part. The last part of the thesis is focused on the comparison of the development of individual financial indicators to another equally large insurance company and to the whole insurance market.
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