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Risk Management of Bank Credit System and Decision Making Process
Skovajsa, Radek ; Kryštof, Zdeněk (referee) ; Čižinská, Romana (advisor)
The theoretical part of this thesis describes the development of Czech banking sector, especially with emphasis on post-revolutionary rebirth within the new conditions of market economy. The following part demonstrates the decision-making credit account process of a bank on a particular case study based on the methodics and procedures leading up to maximal elimination of credit risk. At the same time, the author presents a partially modified internal opinion on a decision of particular business transaction. It is accented that every decision of a bank must comply with the regulations of CNB. The conclusion of the thesis affirms the maximal efforts of domestic banks to minimalize risks within their decision-making credit account processes, which is mirrored in current stability in the development of Czech banking sector.
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Bank Loans of Enterpreneurs and Possibility of Obtaining in the Czech Republic
Kopecká, Tereza ; Hurda, Pavel (referee) ; Rejnuš, Oldřich (advisor)
The main aim of my diploma thesis is to choose the most sutaible option of loan financing of business activities of individual in simulated conditions. The first part is followed to summary of theoretical knowledges about loans issues which are loan analysis specifically interest, loan application, repayment, protection, risks and types of loans, then loan markets, loan unions and central bank and loans. The second part is aimed to analysis of specific cases of getting loans, morgages and leasing for entrepreneurs and citizens and it´s following evaluation. Then there is comparison of the best options. In conclusion of this part there are analysis and all the results of current situation of getting loans for entrepreneurs in Czech republic.
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Company policy for electronical business - credit cards
Šulc, Vladimír ; Dvořák, Jiří (advisor)
This dissertation work deals with the subject of a company in the area of e-commerce, which represents short-term or long-term plans in controlling the financial relationship toward the outer environment but also inside the company. The problem of possible abuse of credit cards is briefly analysed as well. The impulse for choosing this topic was increasing number of falsification and abusing of credit cards. When this subject is analysed in detail, the problem connected with lack of information on this particular area of crime inevitably appears. Clients of individual banking institutions often do not have even the basic knowledge about the ways their cards could be abused or misused. This is why the question of certain, at least minimal, basic information campaign done by the banks, which are supposed to protect the financial means of their clients. This dissertation work sets its goal in creating the methods of investigation of credit cards abuse not only in the Czech Republic but in the growing system of countries of Schengen Treaty and European Union. The benefit of the work can be seen in the level of theory as well of practice. The theoretical part of the work contains the analysis of the current situation of scientific knowledge in the area of information and communication technology of companies, which is implemented into information systems. Then the advantages and disadvantages connected with this kind of e-commerce are assessed and the specific opportunities for abuse of these media of payment are characterised. The problem sees mainly in writing a specialised publication, which would deal with the problem of abuse and falsification of credit cards and its possible use would be at police academies. Its main part should be the characteristics of particular forms of cards forging and also possible identification of these forgeries. This book could also help in prevention and inform clients of financial institutions about the ways of credit cards abuse. In the practical part, which concentrates on the Czech and foreign market, the author sets the basic premises for realisation of safe business of companies in the Czech Republic and its procedures. Furthermore the reasons of e-commerce abuse in the Czech Republic are analysed and results of quantification research presented. This was concentrated on ascertainment of reason of low interest in information among the public. In the conclusive part of the work the whole problem is summarised and there are also outlined perspectives and possibilities of further development
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Investment into Dividend Stocks Traded on European Exchange Markets
Křižka, Adam ; Ulman, Martin (referee) ; Rejnuš, Oldřich (advisor)
The bachelor thesis is focused on an investment into dividend shares traded on european exchange markets, for expansion of an investment portfolio of a mutual fund. Theoretical part of thesis explains financial markets and their functions in economy, basic of colective investment funds. Fundamental, technical and psychological analysis methods for securities trading are also explained. The practical part is focused on comparison of selected dividend shares. The resulting comparison will be verified using a creditworthiness model. Final part is focused on a recommendation for an investment to update the portfolio of the selected dividend mutual fund.
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Suggestion of the own Housing Financing
Pecová, Zuzana ; Drtilová, Radka (referee) ; Škapa, Stanislav (advisor)
Bachelor thesis deals with the possibilities of own housing financing in the Czech Republic. It specializes in financing to developer project for a specific natural person the entrepreneur. Aims on individual types of loans used to finance housing and comparisons. It includes more detailed look at the mortgage loan, types of these loans, repayment method, maturity and conditions of obtaining. The practical part deals with the complications that can occur when the actual financing and contains a specific method of solution
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Consumer creditworthiness assessment
Kopecký, Tomáš ; Flídr, Jan (advisor) ; Liška, Petr (referee)
85 Consumer creditworthiness assessment Abstract This thesis deals with the pre-contractual obligation of consumer credit providers to assess the consumer's creditworthiness. The concept of creditworthiness is thoroughly and critically analyzed in four chapters focusing on assessing creditworthiness for consumer credit other than for housing purposes. The main objective of the thesis is supplemented by sub- questions set out in the introduction. These sub-questions reflect contentious issues arising from the case law of the ordinary courts, the European Court of Justice, and the Financial Arbitrator. An essential part of the thesis is therefore an extensive case law analysis, which helps to interpret many vague legal terms in national and European legislation. The thesis seeks to find solutions to interpretative ambiguities related to the topic. The opening chapter defines the concept and main purpose of implementing a creditworthiness institution. It also outlines the limits of the temporary restriction on the consumer's life (social conditions) when concluding a credit agreement. The end of the chapter concerns the requirement of due professional care and how to ensure its compliance by providers. The second chapter focuses on income, expenditure and means of meeting any existing debts - the criteria for...
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Analysis of Mortgage Loan Offers at Various Banking Houses
FUX, Pavel
This bachelor thesis deals with the area of mortgage loans. These are one of the possibilities how to obtain your own housing nowadays. Based on the available sources, the basic knowledge concerning the issue of mortgage loans, including the development of mortgage banking in our territory, is described. The thesis also includes an analysis of the current situation in the mortgage market. The aim of the thesis is to describe the currently offered variants of mortgage loans for selected banking houses. Based on the market share, the five largest banks in the mortgage market were chosen. Specifically, it concerns Hypoteční banka, Česká spořitelna, Komerční banka, Raiffeisenbank and UniCredit Bank. The main goal of the thesis is to choose the most advantageous solution in the form of a mortgage loan according to the specific requirements of fictitious applicants based on the comparison of individual offers of the mentioned banks. In the final part, recommendations for model situations are processed.
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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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Consumer loan
Červenka, Marek ; Liška, Petr (advisor) ; Flídr, Jan (referee)
Consumer loan Abstract This diploma thesis deals with the topic of consumer loans, specifically with the regulation of contracts in which a consumer loan is arranged, contained in the Consumer Credit Act, with aim to provide analysis of such regulation, identify its deficiencies and provide suggestions for eliminating these deficiencies. The first chapter deals with basic terms, the definition of which is necessary for further dealing with the issue of consumer loans. The chapter therefore contains definitions of terms credit, consumer, and consumer loan. Following the definition of these terms, this chapter also deals with credit contract, loan contract, consumer protection and P2P consumer loans. The second chapter deals with the special legal regulation of consumer loans represented by the CCD Directive, the MCD Directive and the Consumer Credit Act which transposes the said Directives. There is also mentioned the now repealed Directive 87/102/EEC and Act No. 321/2001 Coll., which transposed said Directive. The third chapter, together with the fourth chapter, represents the core of the whole thesis, when the third chapter contains an analysis of the regulation of the loan credit agreement. However, it does not focus only on Part Seven of the Consumer Credit Act, but also on the process of concluding a...
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