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The indebtedness of Czech households in 2000-2015 and its macroeconomic context
Sovička, Lukáš ; Ševčík, Miroslav (advisor) ; Pekárek, Štěpán (referee)
The thesis is focused on the analysis of the macroeconomic relationships of the growth of indebtedness of Czech households in 2000 - 2015. The aim of the diploma thesis is to find the main causes of household indebtedness growth and to identify the influence of this process on selected macroeconomic variables. The theoretical part of the diploma thesis deals with money creation, monetary and fiscal policy, the role of money in economic cycles and economic theories of household consumption. The practical part focuses more closely on debt development, its structure and sociodemographic structure of indebted households. The thesis describes the causes of household indebtedness growth, impacts on selected macroeconomic variables, ability of households to meet their financial obligations and, last but not least, international comparisons with selected EU countries. The diploma thesis brings a comprehensive view of the debt of Czech households in the period 2000 - 2015. At the end of the thesis, it explains the main causes and consequences of the growing indebtedness of households, together with the international comparison and the sociodemographic characteristic of indebted households.
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Household Debt in the Czech Republic: Focus on Mortgage Amount Determinants
Mittigová, Patricie ; Cahlík, Tomáš (advisor) ; Princ, Michael (referee)
The growth of household indebtedness in the last decade led to more attention paid to this issue since it could threaten the stability of financial system in the future. In the Czech Republic, this rise is mainly caused by the increased number of mortgage loans, which are usually the largest financial burden that debtors have to repay. For that reason, I focus on mortgages since their growth has been the most significant in comparison with other loan types. The aim of this thesis is to analyse how personal characteristics affect one's decision on the amount they choose to borrow in order to finance their housing needs. For this purpose, I performed a multiple regression analysis applying several estimation methods. By examining a random sample of ČSOB clients who have taken out a mortgage, I discovered that person's income, age, marital status, education and region a person lives in are significant factors affecting debtor's choice about how much they borrow. Conversely, the number of children affects the amount borrowed only at higher quantiles of the distribution, whereas it is not a significant factor at lower quantiles. This thesis complements rather a limited number of studies about the Czech household debt as it provides new findings about a borrower's decision. Powered by TCPDF (www.tcpdf.org)
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Banking products for private clients in Komerční banka a. s. compared with offer of the market
HRŮZOVÁ, Iveta
This thesis is focused on the comparison of the most popular products among clients. The research helps with the selection of the most popular and most favourable product. Analysis was performed of bank products, mainly in mortgage loans and savings referring to the clients. The aim of this thesis is to find which banks are the most preferred by clients and compared with Komercni banka and how are clients satisfied with its products. Proved the competitiveness of Komerční banka a.s and found advantages and disadvantages in relation to other offers on the market.
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Analysis of the marketing communication of the mortgage loans on the Czech media market in the 2010–2015 period
Gunina, Daria ; Kincl, Tomáš (advisor) ; Dvořák, Jiří (referee)
This Master's thesis is primarily focused on the analysis of mass media communication on the market of mortgage loans in the period between 2010 and 2015. In the theoretical part research was done summarising existing knowledge about the development of the Czech mortgage market and mass media market in the mentioned period. In the second part focus is shifted to the methodology of the research, in particular to the data-mining method CRISP-DM. Described here are tools of descriptive statistics, that were used in the research, and also methods of regress, correlation and cluster analysis are explained. The empirical part of the thesis looks into the trends in mass media communication of mortgage loans, trying to expose relevant influences and identify reciprocal connections between mass media communication of the mortgage lenders, their financial strength and their duration of existence. In the conclusion the results of the analysis are summarised and recommendations are drawn for their implementation in practice.
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DEVELOPMENT FINANCING OPTIONS IN HOUSING
Kamencová, Aneta ; Adlofová, Petra (referee) ; Dohnal, Radek (advisor)
The main aim of my thesis is an analysis of the overall development of financing options for private housing, especially in the Czech Republic. The issue of housing solves most of us, at least once in their life. Investment in housing greatly exceeds our income, so it is necessary to the selection of type of housing, correctly decided on its method of financing itself. The statistics which are in the Czech Republic's disposal indicates that the total expenditures of Czech households, housing costs are up to 1/4. Compare the different products occurring in the Czech market, which are intended to finance housing (building savings, mortgage loans, ...). It depends on the consideration of each of us, whether we use a different funding source, such as your own saved money or loans from friends or family members.
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Asymmetric information in the provision of banking services
DVOŘÁKOVÁ, Aneta
The purpose of this work is to review an asymetric informedness in the area of banking services providing by examples of mortgage loans. The asymetric information is tracked in a relation to regulation tools from the banks' and clients' points of view. The work also contains a comparation of individual banking institution offers and a selection of the most suitable variant also in the context of asymetry of information.
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