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Bank financing of pharmaceutical company
Drexlerová, Hana ; Půlpánová, Stanislava (advisor) ; Burešová, Jana (referee)
The aim of my thesis is to propose a financing structure for the selected company and then process the credit application. The first part is focused on the strategy of the bank, lending products and the risks that the bank undertakes. Also contains a description of the credit process - the calculation of a credit rating, financing structuring, collateral, covenants determination and processing of credit application. The thesis analyses the specifics of the pharmaceutical industry. Theoretical knowledge is applied to the example of financing of pharmaceutical company and the preparation of a credit application.
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Macroeconomic context of rising household debt in Czech republic in 2000 - 2010
Marková, Lenka ; Ševčík, Miroslav (advisor) ; Řežábek, Pavel (referee)
The aim of this diploma theses is to identify possible causes of rapidly rising household debt in the Czech republic at the beginning of the 21st Century and its impact on macroeconomic aggregate indicators. The theoretical part deals with the credit expansion in economic theory, money creation, effects of changes in money supply, monetary and fiscal policy. The analytical part of the thesis evaluates the growth of indebtedness of Czech households in terms of various indicators, debt structure, reasons of growing household debt and other macroeconomic context. The issue of households debt problems and the ability to repay their obligations is mentioned as well as the comparison with developed economies.
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Product analysis in bank sector and its perspective
PĚKNÁ, Jana
The aim of this work is an analysis and classification of product in chosen banking house and its usage and gain for consumers and costumers inclusive point of view. The interrogatory was using to analyze of mortgage credits. This work informs readers about issue of mortgage credit in Czech market including forecasts to expectations. In the following is an adumbration and development in European market. Chosen banking house is Česká spořitelna, a. s., because this bank is considered the greatest provider of mortgage credits in Czech republic. Majority shareholder of this bank is financial group Erste Bank.
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Households indebtedness during current financial crisis
Vlčková, Klára ; Antoš, Ondřej (advisor) ; Vebrová, Ludmila (referee)
This bachelor work deals with the development of indebtedness of the households in the Czech Republic during current financial crisis. The theoretical part presents the causes of financial crisis. Furthermore, the credit products, whose development is described in more detail in the practical part, and the institutions providing these products are examined in this work. In the practical part the progress of debt and households' ability to pay for their liabilities is analysed in comparison with the causes of this development. The work identifies the factors that affect the household debt and analyzing the changes that have occurred in connection with the financial crisis.
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The development of loan products of building societies in Czech Republic
Nováková, Kateřina ; Jablonský, Petr (advisor)
The bachelor work concerns with the development of loan products of building societies in Czech Republic. The first part describes the historical development of building saving and its regularization. Furthermore I explain basic terms of building saving and there is also closely introduced the market of building saving with its current supply of loan products. The next part mentions the statistical development of last ten years and the comparison with mortgage. The thesis is finished with the evaluation of influence of financial crisis.
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Úloha českých bank v úvěrování retailové klientely a analýza vývoje zadluženosti domácností v ČR
Divišová, Lucie ; Bakulová, Stanislava (advisor) ; Bauerová, Jarmila (referee)
Cílem diplomové práce je analyzovat vývoj a současný stav zadluženosti českých domácností. Před vlastním rozborem zadluženosti domácností jsou v rámci druhé kapitoly podrobně představeny úvěrové produkty, které jsou nabízeny retailovému klientovi na českém finančním trhu a které úzce souvisí se zadlužováním domácností. Analýza vývoje zadluženosti domácností v ČR, která je součástí třetí kapitoly, je rozdělena na rozbor zadluženosti domácností vůči bankovnímu a vůči nebankovnímu sektoru. V této kapitole jsou rovněž zmíněny příčiny růstu zadluženosti domácností, možná hrozící rizika z rostoucího vývoje zadluženosti, působení úvěrových registrů v ČR a problematika nesplácených úvěrů ze strany klienta. Obsahem závěrečné kapitoly je komparace zadluženosti domácností v ČR a v EU.
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