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Factoring as a Tool of Credit Management
Jochová, Eva ; Chaloupka, Tomáš (referee) ; Čižinská, Romana (advisor)
This master´s thesis presents factoring as one of the tools of active interaction of credit risk, which creates new chances of supplier’s access to financial resources. The thesis proves the advisability of this modern way of financing in the selected company. Advisability is assessed by comparing the costs of factoring with its contributions. At the conclusion, other possible ways of improvement of present company’s credit management are suggested, that the would contribute to general transparation of the administration and debt collection.
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The protection of a client in financial services
Blumental, Eva ; Kohajda, Michael (advisor) ; Kotáb, Petr (referee)
1 Title: Client Protection in Financial Services Key words: client, consumer, financial service, deposit, credit Abstract The present diploma thesis focuses on the client protection in financial services. It introduces relevant legislature and provides a reader with the analysis of the level of legal protection. Introduction part explains my motivation for the choice of the topic, mostly influenced by current debate over certain forms of financial services. It also presents a processing method of the thesis and kinds of resources used. The first chapter of the thesis is dedicated to an elaborate definition of the analysed key terms - the client and the financial services. In the contewxt of this work is client understood as a consumer. First part provides the reader with comparison of legal definitions of consumer presented in various legislation. A broad term of finacial services is hereby narrowed to accepting deposits and providing credit loans. The second chapter consists of analysis of legislation which regulates client protection in this field. Substantial part is provided for the proper decription of the EU legislature. Last part of the chapter sketches a short summary of changes brought by the new legislation in the field of private law, that comes into force in January 2014. Chapter Three concernes...
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The protection of a client in financial services
Blumental, Eva ; Kohajda, Michael (advisor) ; Kotáb, Petr (referee)
1 Title: Client Protection in Financial Services Key words: client, consumer, financial service, deposit, credit Abstract The present diploma thesis focuses on the client protection in financial services. It introduces relevant legislature and provides a reader with the analysis of the level of legal protection. Introduction part explains my motivation for the choice of the topic, mostly influenced by current debate over certain forms of financial services. It also presents a processing method of the thesis and kinds of resources used. The first chapter of the thesis is dedicated to an elaborate definition of the analysed key terms - the client and the financial services. In the contewxt of this work is client understood as a consumer. First part provides the reader with comparison of legal definitions of consumer presented in various legislation. A broad term of finacial services is hereby narrowed to accepting deposits and providing credit loans. The second chapter consists of analysis of legislation which regulates client protection in this field. Substantial part is provided for the proper decription of the EU legislature. Last part of the chapter sketches a short summary of changes brought by the new legislation in the field of private law, that comes into force in January 2014. Chapter Three concernes...
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Factoring as a Tool of Credit Management
Jochová, Eva ; Chaloupka, Tomáš (referee) ; Čižinská, Romana (advisor)
This master´s thesis presents factoring as one of the tools of active interaction of credit risk, which creates new chances of supplier’s access to financial resources. The thesis proves the advisability of this modern way of financing in the selected company. Advisability is assessed by comparing the costs of factoring with its contributions. At the conclusion, other possible ways of improvement of present company’s credit management are suggested, that the would contribute to general transparation of the administration and debt collection.
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Financial leases - comparison of Czech accounting legislation with International Financial Reporting Standars - impact on profit and loss account
DĚDIČOVÁ, Jana
The goal of this thesis is to compare the costs of leasing according to Czech accounting rules and according to international accounting standards. Regulations according to International accounting standards are divided according to the length of duration of individual agreements, in several steps {--}in order of consecutive years until the complete down-payment according to schedule. It is a regulation of accounting operations and economic results in the years of 2002-2009. For comparison I used the standard agreement for a cargo truck. As another comparison I chose a lease-back agreement for a building project. The practical part of the thesis transforms Czech accounting prescriptions into IAS accounting prescriptions in the form of tables. With the help of calculations and comparison of individual accounting prescriptions concerning financial leasing /Czech and international/ I came up with a number of results. I worked out two leasing agreements with variant solutions of transitions to financial leasing accounting according to IAS 17 in different years with differing leasing agreement duration. Each option is transformed, the costs and their variance is evaluated from the point of view of both accounting methods and the impact of these differences on economic results is resolved. In the conclusion each leasing agreement both approaches, the Czech and the international, are compared and all the differences which follow are summarized in a table.
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Analysis of the Acquisition Marteting Strategy of mBank
Zejda, Vladimír ; Jablonský, Petr (advisor)
This paper examines the consumer decision process at the financial market. Combining the findings from the fields of marketing, finance, psychology, economy, sociology and consumer behaviour I present a complex model of the financial services' consumer decision process. In the second part of the paper I use the model on the case of the entry of a new bank into a Czech retail banking market -- mBank (2007). Using the model I then explain the growth in the bank's client base.
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Market segmentation in financial institution
Gasiorovičová, Markéta ; Koudelka, Jan (advisor) ; Kovářová, Hana (referee)
Work is focused on main problems of segmentation in practical life taking complicated financial services showing difficulties the market is facing. Aa main stream is author describing czech insurance market where segmentation has held a prime place within media and insurers interest. On the other hand is also showing banking sector where easy and simple marketing segmentation has been adopted. After analyzing the real situation, author is taking best practice advise from real world and also recommendation on what to do next from theory.
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