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Ochrana klienta bankovních (pojišťovacích, investičních) služeb
Konečná, Jitka
This diploma thesis is dealing with issues of consumer protection in area of bank services, namely in area of protection of a depositor and protection of a debtor. Theoretical part deals with legal protection of bank consumers in Czech Republic and in EU, ethical code and financial literacy of consumers. Practical part is divided into two parts; first one is devoted to specific cases widened by compiled results of a questionnaire survey. Second part is dealing with a test of financial literacy. The survey is analysed in this thesis. There will be a set of recommendations regarding bank consumer protection at the conclusion.
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Cosumer protection in banking
Dezhevaya, Tatiana ; Schlossberger, Otakar (advisor) ; Rajl, Jiří (referee)
The bachelor thesis focuses on the protection of the banking client, which it views as a consumer. Legal regulation of this protection is necessary primarily to compensate for the existing inequality between the consumer and the provider. The thesis explains why a bank client is ranked among consumers and why he is considered to be a naturally weaker party in a legal relationship. It defines the most important areas of protection, such as consumer credit, payment system, deposit insurance, bank secrecy, the possibility of out-of-court settlement of disputes and also refers to certain protectionist practices such as codes of ethics or banking ombudsman. Based on the law and European directives it can be concluded that consumer protection is an advanced, dynamically expanding area aimed at strengthening consumer confidence in the banking sector, reinforcement of market position and ensuring that its rights and interests are properly protected.
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Ochrana klienta bankovních (pojišťovacích, investičních) služeb
Konečná, Jitka
This diploma thesis is dealing with issues of consumer protection in area of bank services, namely in area of protection of a depositor and protection of a debtor. Theoretical part deals with legal protection of bank consumers in Czech Republic and in EU, ethical code and financial literacy of consumers. Practical part is divided into two parts; first one is devoted to specific cases widened by compiled results of a questionnaire survey. Second part is dealing with a test of financial literacy. The survey is analysed in this thesis. There will be a set of recommendations regarding bank consumer protection at the conclusion.
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Protection of a customer – bank customer from ethical point of view
Přikrylová, Gabriela ; Horová, Olga (advisor) ; Hlouchová, Jaroslava (referee)
The Bachelor's thesis deals with a protection of the bank customer from ethical point of view. The main objective is to analyze how the banks observe and promote ethic standards during the dealings with their bank customers. The minority objective deals with a description of banks' attitude towards the importance of these ethic rules. The observation was used as a method of the marketing survey. The survey was carried out in the customer centre of the co-operative bank Modrá pyramida stavební spořitelna, a.s. Results of the observation showed that the quality of dealing with bank customers is very high. The dealings take place in the representative room and the services are provided by the professional financial advisors.
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The bank klient and his protection in Czech system of law
Cahová, Pavlína ; Půlpánová, Stanislava (advisor) ; Hradil, Dušan (referee)
The diploma work is concerned with the topic of bank client security, as a consumer and an investor, captured in the Czech law, incorporating elements of EU directives. The thesis defines terms of "consumer" and "investor", explains why they are considered bank clients and introduces reasons of their protection. It describes elements of bank clients' protection such as: deposit insurance (including comparison of foreign systems - Switzerland and New Zealand), consumer credits rules, payment system and Bureau of Financial Arbiter, personal information security and bank secret. The last chapter addresses investor protection, falling under European directive MiFID (Markets in Financial Instruments Directive).
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Protection of bank client in the Czech Republic
Samek, Michal ; Hradil, Dušan (advisor)
The work deals with the protection of bank client. It seeks to answer the question whether the idea of protection of bank client can be regarded as legitimate. It defines the protection of individual client, tools that can occur on these areas and it generally describes their nature and implications. Based on this general definition it examines the level of protection of bank customer in the Czech Republic. It does so especially after the form, when analyzes the existence or absence of the relevant instruments in the domestic environment. The work also attempts to assess the quality of selected instruments used in the Czech Republic.
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Bankovní klient jako spotřebitel a jeho ochrana v českém (evropském) právním systému
Cahová, Pavlína ; Bakulová, Stanislava (advisor)
Bakalářská práce se zabývá ochranou bankovního klienta, na kterého nazírá jako na spotřebitele. Důležitost ochrany je v neposlední řadě dána členstvím České republiky v Evropské unii. Do české legislativy jsou tak implementovány zákony, které zabezpečují ochranu klienta v rámci celého evropského společenství. Práce osvětluje, proč je bankovní klient řazen mezi spotřebitele. Uvádí důvody jeho ochrany a definuje nejdůležitější prvky ochrany, kterými jsou: pojištění pohledávek z vkladů, oblast spotřebitelských úvěrů, platební styk, bankovní tajemství a zmiňuje se také o informační otevřenosti.
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