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Lending to Individuals by Banks and Non-bank Entities
Peňáz, Jiří ; Hartmanová, Jana (referee) ; Rejnuš, Oldřich (advisor)
The bachelor thesis deals with a comparison of banks, cooperative banks and non-banking credit companies. It focuses on the comparison of these three groups in term of the supply of loans to individuals. The mentioned comparison is based on an analysis of the supply of loans provided by subjects selected out of the Czech market, and is led by following criteria: purpose, the amount of credit, surety, the APR.
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Overindebtedness connected to consumer finance - possible solutions and suggested precaution
Zelený, Martin ; Angelovská, Olga (advisor) ; Trlifajová, Lucie (referee)
This thesis is mapping current situation in the area of consumer lending, shows main reasons and impacts of overindebtedness and also its connetion to consumer lending. The target is to suggest appropriate regulation to lower the rate of overindebtedness, that exists in this area due to the absence of regulation in the area of consumer lending in Czech republic. Suggested regulation insures higher consumer protection and compact rules for all the partcipants on the consumer lending market. It also collects complex information about clients and their debt ratio. It has advantages for all participants.
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Lending to Individuals by Banks and Non-bank Entities
Peňáz, Jiří ; Hartmanová, Jana (referee) ; Rejnuš, Oldřich (advisor)
The bachelor thesis deals with a comparison of banks, cooperative banks and non-banking credit companies. It focuses on the comparison of these three groups in term of the supply of loans to individuals. The mentioned comparison is based on an analysis of the supply of loans provided by subjects selected out of the Czech market, and is led by following criteria: purpose, the amount of credit, surety, the APR.
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Leasing versus Credit
Hulíková, Hana ; Kozlová, Taťána (advisor) ; Stejskalová, Irena (referee)
The thesis deals with the characteristics of financial leasing and consumer lending, wals of bookeeping, tax burden, reflection of operations in financial statements and aboe all the analysis of diference of both variants. The output of this thesis is statement, witch of the financial methods is preferable a than comparison of different types of financial leasing.
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Public's insolvency as a social problem
Pajdová, Zuzana ; Sedláková, Jaroslava (advisor) ; Krbová, Jana (referee)
This bachelor's thesis will be concerned with the problem of people's debts in excess, who have low incomes. It will also search for reasons, why do the people lend more than they can pay for, and what are effects of these factors on their life. In theory it will sketch out general issue of consumer lending and possibilities of public's education towards the financial literacy. The intention of this thesis is a concept of possibilities solving public's insolvency and prevention of this event.
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Comparing consumer's lending with bank's and non Bank's institucions in Czech Republic
Mrázková, Lucie ; Půlpánová, Stanislava (advisor)
This bachelor paper deals with nonpuropse, non-card, unsecured loans. It defines the fundamental terms related to these loans and determins force of relevant laws. It aims to compare the scale of various chosen banks' and non-bank providers' offered loans and to denominate some of the fees hidden not only in calculation of annual percentage rate of costs. It introduces the client information registry and outlines the procedure advisors use when approving a loan. At last, it accents consumer protection a predicts a folowing two year trend.
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Analysis of the progress of the insolvency of czech households
Dvorský, Aleš ; Smrčka, Luboš (advisor) ; Schönfeld, Jaroslav (referee)
The bachelor thesis is divided into two main parts. The part one deals with description of banking loan and non-banking loan market. Then main debt products are characterized. The analysis of a progress of an insolvency of czech households in particular areas of banking and non-banking market is made in the second part as well. This part also descripts trends in distraints and personal bakrupts. In the end of second part progression of deposits and household loans is shown. The finaly part containts internationally comparison of the insolvency of czech households and a conclusion.
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