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Leasing and Other Ways of Financing
SAMUEL, Jiří
My diploma work deals with the possibilities of financing a second-hand personal car by leasing, by a consumer bank credit and by an American mortgage with regard to the advantages of single methods of financing for a private person. This work is made up of two basis parts. The first of them - the theoretical one - is divided into three chapters treating of the way of use, advantages and disadvantages of all these methods. In the second, practical part the possibility of single methods of funding is proved by an analysis of concrete companies and banks, which offer these methods of financing. On the basis of the analysis the most advantageous companies and banks, which are offering their product with the most advantageous conditions, are evaluated. For interest I compared the possibilities of financing in the Czech Republic with Germany. The work also contains some detailed information about the second-hand car schop NOVOSAD, where I was getting consulation during my practise, and I gather information from their experience in my whole diploma work.
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Impact of the crisis on SMEs
Nedvědová, Nikola ; Schönfeld, Jaroslav (advisor) ; Smrčka, Luboš (referee)
The bachelor thesis deals with the impact of the crisis on SMEs, with emphasis on the reorganization according to the new insolvency law in force from 1.1.2008, which amends Act No. 182/2006 Coll. They also described the advantages and disadvantages of the law on bankruptcy and its solutions and their comparison with the amendment. In the theoretical part there are evaluated possible ways of resolving insolvent companies, with emphasis on the reorganization, the causes of the crisis and future prospects. The practical part describes Kordárna crisis situation, and that was early 2009, depending on the global economic crisis, major financial difficulties and Kordárna was forced to file for insolvency. This bankruptcy proceeding was successfully completed and reorganization was approved in March 2010. Reorganization is one way of dealing with bankruptcy reorganization, which allows reorganize the company while maintaining its operation. The aim of this work is to evaluate the current economic situation in the market and the possibility of an emergency from the viewpoint of firms. I would like to make prediction for future economic development of the Czech Republic.
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Bankovní krize ve střední a východní Evropě: Nová kreditní perspektiva
Pospíšil, Martin ; Hnilica, Jiří (advisor) ; Špička, Jindřich (referee)
In the recession times of the last two years, it is of a good interest to test the behaviour of commercial banks. In this thesis, I link the Stiglitz-Greenwald theory of credit rationing with microeconomic Central and Eastern Europe banking group data over years 2007 and 2009. For the deeper understanding of the credit side of the banking system it is however necessary to analyse banks from a more detailed perspective. Therefore, a significant part of the thesis is focused on the financial analysis of commercial banks' balance sheets. This analysis then allows finding the reasons why and when did the banks change their behaviour, their approach to clients, businesses when supplying credits. I also analyse various steps that the banks took to deal with the financial crisis. While the crisis started as primarily financial, it was due to the information asymmetry/uncertainty (when banks could not screen and understand their clients properly) that this crisis turned into an economic one. The thesis is divided into two subparts. The first one describes the Greenwald-Stliglitz monetary paradigm and analyses it with respect to Czech microeconomic data. The second part extends this analysis and focuses on the balance sheet development and credit behaviour of five biggest banking groups in the CEE. The result of this thesis can help to understand banks' approach to their clients, the monetary transmission mechanism, and the behaviour of the banking system in general.
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Bank financial risks - credit risk
Ondračka, Michal ; Burgerová, Jiřina (advisor) ; Vostrovská, Zdenka (referee)
This is analysis of credit risks of bank i.e. risks between bank, as a creditor and it's debtor. Credit risk means uncertainty that the debtor will pay to the bank agreed installment and interest in time. In relationship between bank and debtor there is a lot of risks named in this study. The most dangerous risk is credit risk. The banks take some measures to prevent them: monitoring of the bonity of a client, credit procedure, reinsurance of a debt, managing of risk, capital adequacy, registry, rating etc. Credit risk of bank can cause financial losses but also bank crises with impact on global economy. JEL Classification: G210, E580, D810
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The Theory of Business Cycle and Financial Crisis by J.A.Schumpeter's and H.P.Minsky's Theories
Mlčkovský, Petr ; Kovářík, Tomáš (advisor) ; Bydžovský, Jiří (referee)
The aim of this bachelor's thesis is to create a business cycle model through the medium of J.A.Schumpeter's and H.P.Minsky's alternative theories. The introduction is dedicated to theoretical and methodological starting-points and basic characteristics, that are essential for business cycles. Moreover in the first chapter, there will be constructed a business cycle model based chiefly on innovational doctrines "Financial Instability Hypothesis" by Hyman Minsky and Schumpeterian waves. In second chapter, this model will be applied to selected economic crises, in particular Great Depression of the 1930's, Savings and Loans Crisis of 1980's, Japanese crisis and contemporary crisis having roots in USA. Studying these cases, we will attemt to define common characteristics of particular sections of business cycles. The last chapter will be dedicated to evaluation and conclusions that had been made throught the thesis.
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Leasing
Klímková, Veronika ; Cardová, Zdenka (advisor)
The bachelor thesis is in the first part about general leasing characteristics and bailment lease. Then it deals with leasing accounting and everything is illustrated with specific examples. There are the main changes of the leasing which were set in 2008 and 2009. Afterwards it shows disparities between leasing and credit, too. At the end is described the leasing according to IFRS and US GAAP.
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Family finance planning
Ledinská, Leona ; Smrčka, Luboš (advisor) ; Schönfeld, Jaroslav (referee)
The main aim of this thesis is to describe family finance planning problems. This thesis includes list of financial products, which could be including in family portfolio. Advantages and disadvantages of theses products are describe at different periods of family life, recommendations are given. In the end of this work case study of real family finance plan is processed.
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