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Analysis of the APRC for consumer loans
Ernstová, Pavla ; Coufal, Libor (advisor) ; Špániková, Kateřina (referee)
The thesis titled "Analysis of the APRC for consumer loans" begins with basic economic knowledge of the consumer loans, mutual context and legal background. Key emphasis is placed on the pointer annual percentage rate of charge. Analyzed loans are selected from wide range of bank and non-bank institutions that meet the specified parameters. For each loan there is comparison of calculated and actual values presented in the APRC. Next part of focused on overall comparison of the obtained results. Last section provides theoretical recommendations for future development.
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Consumer loans provided by banking and non-banking institutions
Klárová, Adéla ; Radová, Jarmila (advisor) ; Rajl, Jiří (referee)
This thesis deals with consumer loans provided by banking and non-banking institutions in the Czech Republic. The aim is to compare the access of providers, representing concrete group, to clients. The thesis defines the most important concepts which are closely related to this issue, likewise regulations and laws that apply to this area of business. It describes in detail the process of loans providing, from loan application to loan repayment, alternatively not repaying the loan, including a brief mention about the psychology of the debtor and the effect of advertising on one's decision. Attention is paid to registers which are accessible to the individual providers. The practical part deals with selected banking and non-banking institutions and evaluates their different or comparable access to consumers.
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Consumer protection in area of financial services
BOBKOVÁ, Hana
Graduate work focused on the current situation on the consumer credit market. The aim was to map the current market and the experience of the provision of financial services, in particular in the non-banking sector. On the basis of the results of the research were analysed experience and problems of the consumers, and also views of the lenders.
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The use of the social Networks for Competitive Intelligence in Provident Financial
Klápová, Nikola ; Molnár, Zdeněk (advisor) ; Hawlová, Kateřina (referee)
This thesis deals with the use of the social Networks for Competitive Intelligence theme in Provident Financial. The main objective of this thesis is to propose the set of recommendations for the effective use of social networking of the company. The recommendations are based on the analysis made for use of social networking by the competitors. The first part of the thesis deals with the issue of the social networking and competitive intelligence. The theoretical part of the thesis explains the social Networks concept and presents the selected Czech and World social Networks and explains the CI concept. The practical part of the thesis presents Provident Financial, the current condition of social networking and company CI. The main competitors are analyzed by the social networking activities. This analysis of the competitors is summarized into one report containing the benchmark ratings. The results of the benchmarking serve as a basis for the set of recommendations for the effective use of social networking of Provident Financial.
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Solutions of disputes in the area of consumer contracts
SEKANINOVÁ, Božena
The aim of this work with a title Solution of disputes in the area of customers contracts was desribed, analyzed and compared economic a legal aspects, advantages and disadvantages by the solution of customers contract in the arbitration and in the lawsuit. Next aim was comparison the czech law with the law in Slovakia, when it was turned to the arbitration and disputes in the area of customers contracts. Then there was desribed and analyzed the problems of the arbitration centre position and the custumers contrancts with arbitration clause, according to the law effective before and after the day of the 1 st April 2012. In conclusion there was defined some changes in legislation.
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Consumer loan and activities of judicial executor
Lovecký, Michal ; Smrčka, Luboš (advisor) ; Schönfeld, Jaroslav (referee)
The Bachelor's Thesis deals with consumer loan and activities of judicial exekutor. These two areas are linked by debt collection process which starts with the first delay of consumer loan installment and ends by distraint. The priority of the Thesis is to describe activities of judicial executor, his authorities, legal definition and to compare how far theory match practice on particular case. The Thesis also deals with legal definition of consumer loan, advanteges and disadvanteges of this product and types of sanction. To complete process of debt collection the Thesis also describes extrajudicial debt collection and its most common methods.
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Trends in Indebtedness of Czech Households
Kubátová, Klára ; Tuček, Miroslav (advisor) ; Gruber, Petr (referee)
The bachelor thesis deals with indebtedness of households in the Czech Republic. At first, specifics of consumer loans and mortgage loans, which are mostly used by households, are explained. The following two chapters are the main subject of the thesis. The evolution and structure of household indebtedness in recent years are analyzed in them, as well as some factors are evaluated that could influence the evolution of household indebtedness. The last part of the thesis is devoted to over-indebtedness and the issue of personal bankruptcies, the use of which has lately been growing.
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Arbitration in business practice
SEKANINOVÁ, Božena
The aim of this work with a title Arbitration in business practice was analyzed legal regulation of arbitration and its implementation in business practice, specified problems and proposed appropriate amendments to legislation. The introduction defines the notion of arbitration, describes the history of arbitration, the advantages and disadvantages and discusses current arbitration law. The practical part is focused on arbitration in disputes of consumer credit loans. There is description of the arbitration in financial company, is analyzing the financial performance of arbitration compared with a judicial proceeding, is resolved the status of permanent arbitration court and arbitration center, and ultimately are defined the changes in existing legislation.
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