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Financial Planning in the Context of clients' Creditworthiness
KRAMLOVÁ, Anna
The aim of this thesis is to assess the impact of the clients' creditworthiness and their financial plan in terms of selected credit products. The thesis is divided into two main parts, theoretical and practical. The theoretical of my thesis part is devoted to defining and describing basic banking concepts, i.e. more precisely to banking products, supervision and regulation of the CNB (Czech national Bank) in regards to the credit process and the related creditworthiness of the client. The practical part of my thesis focuses on the analysis of consumer and mortgage loan offers using four potential clients as examples. The potential clients are then distinguished by their monthly income and divided into four groups based on their creditworthiness. These four loan applications are analyzed with particular attention being paid to the impact of the conditions provided on credit products from banking institutions on the potential clients´ earnings. The approval of a loan depends on the rate of the interest. Based on the examples of loans offered by two different banking institutions, the conclusion of my thesis provides a concise evaluation of the approach of the banks to potential clients based on their creditworthiness.
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Macroeconomic context of rising household debt in Czech republic in 2000 - 2010
Marková, Lenka ; Ševčík, Miroslav (advisor) ; Řežábek, Pavel (referee)
The aim of this diploma theses is to identify possible causes of rapidly rising household debt in the Czech republic at the beginning of the 21st Century and its impact on macroeconomic aggregate indicators. The theoretical part deals with the credit expansion in economic theory, money creation, effects of changes in money supply, monetary and fiscal policy. The analytical part of the thesis evaluates the growth of indebtedness of Czech households in terms of various indicators, debt structure, reasons of growing household debt and other macroeconomic context. The issue of households debt problems and the ability to repay their obligations is mentioned as well as the comparison with developed economies.
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Households indebtedness during current financial crisis
Vlčková, Klára ; Antoš, Ondřej (advisor) ; Vebrová, Ludmila (referee)
This bachelor work deals with the development of indebtedness of the households in the Czech Republic during current financial crisis. The theoretical part presents the causes of financial crisis. Furthermore, the credit products, whose development is described in more detail in the practical part, and the institutions providing these products are examined in this work. In the practical part the progress of debt and households' ability to pay for their liabilities is analysed in comparison with the causes of this development. The work identifies the factors that affect the household debt and analyzing the changes that have occurred in connection with the financial crisis.
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