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Financial Geography - An Application of Selected Concepts in Terms of the Czech Republic
Bečicová, Ilona ; Blažek, Jiří (advisor) ; Feřtrová, Marie (referee)
FINANCIAL GEOGRAPHY - AN APPLICATION OF SELECTED CONCEPTS IN TERMS OF THE CZECH REPUBLIC Abstract The aim of the thesis is to analyse the main trends of banking system in Czech Republic after 1989. It is primarily an analysis of centralised banking system, on the basis of which the potential regional impacts according to theory of regional segmentation of fiancial markets are tested. Based on the analysis of changes in the distribution of bank headquarters and the analysis of employment in financial sector it is clear, that in terms of the Czech Republic a highly concentrated banking system occured, which is moreover under the strong inluence of foreign capital. The study focused on testing the regional impacts of a centralized system through interviews with business owners in the peripheral region has not proved allegation of discrimination of entrepreneurs in such manner as we would expect according to the theory of regional segmentation of financial markets. However the study showed some problems with providing guarantees for bank loans in the periphery.
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Financial Crisis in Economies with External Imbalances: A Comparative Analysis of Ireland and Spain
Semerák, Ondřej ; Váška, Jan (advisor) ; Young, Mitchell (referee)
The financial crisis of 2007-08 has had momentous consequences for most developed countries and triggered recession on the global financial markets. Consequently, economies with pre- existing deficiencies were hit in particular. In the European Union, especially two groups of member states with specific imbalances could be discerned. This thesis is intended to discuss the impacts on economies with external imbalances, where the crisis was not rooted in public finance profligacy. The main protagonists, Ireland and Spain, experienced resembling economic boom prior to the crisis, later accompanied by accumulation of foreign debt and real estate bubbles. Nonetheless, despite the strong similarities in their economic development their paths diverged after the bust, and Ireland has been given as an example for successful austerity. This thesis presents key determinative factors which differentiated Spain from Ireland in the reviving processes to discuss the hypothesis that the Irish recovery was generated solely by the implemented countermeasures and that it can therefore be considered a model for future crisis management. The objective of this thesis is to address this assertion and to evaluate its correctness using a detailed overview of structural specificities of the economies, as well as of the...
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Psychosocial Risks and Stress at Work
Čotek, Ondřej ; Skřehot, Petr Adolf (referee) ; Martincová, Jana Victoria (advisor)
The diploma thesis deals with psychosocial risks and stress in work. The theoretical part of the work is devoted to the definition and characteristics of psychosocial risks and stress. Furthermore, the legislative entrenchment of psychosocial risks in the Czech Republic and the European Union is described. The theoretical assumptions are concluded by the definition of psychosocial risk management. The methodological part is devoted to the quantitative survey, which is focused on the psychosocial risks of bank advisers of the company. Based on the results of the questionnaire survey, appropriate recommendations are made to reduce psychosocial risks in the company.
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Consumer Credit Risk Analysis: Evidence from the Czech Republic
Mittigová, Patricie ; Kočenda, Evžen (advisor) ; Hlaváček, Michal (referee)
An increase in the number of granted loans in last decades resulted in more attention paid to proper assessment of borrower's creditworthiness. For this purpose, credit scoring aims to classify good and bad applicants prior loan granting. In this thesis, I analyze a large real-world dataset of borrowers who were granted an unsecured consumer loan in the Czech Republic. The objec- tive is to determine core default predictors while employing seven classification methods. Additionally, a performance measure is computed for each method in order to compare their suitability for examined loan types. Using logistic regression as the core model, the results suggest that borrower's age, monthly income, region of residence, and the number of children substantially influence the probability of default. Conversely, borrower's gender and education level did not prove to be significant for assessing client's creditworthiness. Compar- ing the performance of employed classification methods, it can be concluded that all models produced almost identical results and can be used for the purpose of credit scoring. This thesis complements rather a limited number of credit scoring studies in the Czech Republic and provides new findings about default determinants for unsecured consumer loans. 1
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Post-crisis development of Spain focusing on the banking system and the public sector
Nagyová-Tkáčová, Monika ; Bič, Josef (advisor) ; Antal, Jarolím (referee)
The thesis deals with the evolution of the Spanish economy, especially, after the economic crisis. It is focused on the banking system and the public sector of the country. In order to capture the theoretical basis, it processes the essence of banking, public finance theory and public debt. Subsequently, the thesis describes impacts on selected areas of the economy and the government's response to them. The main objective is to analyze the measures taken by the government and to evaluate their impact on the economic development of the landscape. At the same time, the thesis should provide recommendations for the future.
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Comparative analysis of the development of holding sovereign securities in the banking sectors of the eurozone countries in 2005-2015
Topinka, Tomáš ; Pekárek, Štěpán (advisor) ; Bednář, Milan (referee)
The bachelor thesis is focused on the comparative analysis of holdings of sovereign securities in the banking sectors of the European Monetary Union member countries, especially during the financial and debt crisis. Based on the graphical analysis, it identifies and clarifies the volatility observed at the level of certain groups of countries. The work comes with the statement that, especially during the debt crisis, the so-called home-bias is reinforced and thus exposes the banking sector to the credit risk of the state. At the same time, bachelor thesis advocates setting up regulatory requirements to ensure, that a level of regulatory capital is created that objectively reflects the credit risk of the state.
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Analysis of the impacts of the Amendment to the Consumer Credit Act on the banking sector of the Czech Republic
Potužníková, Lenka ; Dvořák, Petr (advisor) ; Radová, Jarmila (referee)
The subject of the thesis called Analysis of the impacts of the Amendment to the Consumer Credit Act on the banking sector of the Czech Republic is the Amendment to the Consumer Credit Act effective since 1.12.2016 and its presumed impact on banking sector including the consideration of the justification of some provisions of the Act. The objective of this thesis is a clear summary of fundamental changes which waste from new legislative and outlining the related questions, mapping the consumer credit market tendencies from macro and micro view and recognition of possible risks and opportunities related to the amendment. The data are processed using the simple descriptive statistics method with use of graphic methods and word comments.
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Euro adoption in Slovakia
Panáková, Patrícia ; Vejmělek, Jan (advisor) ; Šíma, Ondřej (referee)
The subject of the bachelor thesis is to describe the process of preparation and adoption of euro currency in the Slovak Republic. Slovakia showed a significant convergence to the euro area after joining the EU in 2004. Despite the worsening economic situation due to the global economic crisis, Slovakia did not have problems meeting the Maastricht convergence criteria. Long-standing and thorough preparation helped smooth transition from the Slovak crown to the euro. The Slovak Republic became the sixteenth member in the euro area on 1st January 2009. Currency change brought advantages and disadvantages to the banking sector. In the long run, banks lost a significant part of foreign exchange transactions, but on the other hand, they gained better access to the European interbank market.
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Analysis of the banking sector of selected EU countries
Furda, Peter ; Blahová, Naďa (advisor) ; Šíma, Ondřej (referee)
The aim of the diploma thesis is to analyze the selected banking sectors of the European Union, namely Germany and Italy. At the beginning, the basis of the theory needed for the understanding of the thesis is defined. Followed by the description of the risks borne by the bank and specific indicators sorted accordingly, it forms the first chapter of the diploma thesis. In the second part, the indicators are applied on the aggregated banking sector data. Within the specific time frame, the development of the indicator and its trend is analyzed with the emphasis on the causes of its most significant development. The conclusion of the thesis is devoted to the overall summary and comparison of the results obtained from the analysis of the banking sectors.
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