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Multiple life insurance and group insurance
Broukalová, Jana ; Bílková, Diana (advisor) ; Zaderlíková, Šárka (referee)
This thesis aims to familiarize the reader with the topic of life insurance, especially insurance taken out for more people. Its focus is empirical rather as combining the use of several actuarial and statistical methods through three statistical software and applications created in MS Excel using VBA. First, thesis is focused to multiple life insurance with intention to show reader the diversity of this interesting but rarely offered product in business world, especially through the application created for the purpose of this work. Sense of mentioned application lies in the fact it is able to calculate amount of the net premium for a user-selected type of insurance. Based on this outcome insurer can determine the net price corresponding to the chosen risk coverage (regardless of the amount of the costs associated with this type of insurance and required profitability). Age of insured person isn't usually part of calculation of premium for accident insurance. One of the aims of this study is to assess whether this parameter actually has or doesn't have any effect on the price of insurance. With help of SPSS and RStudio software relationship between age of insured person and amount of indemnification from daily compensation insurance has been researched. Based on the test of variable independence were detected dependencies of these variables where all of which used measure of association suggests a weak dependence amount of indemnification on the age of the insured. It surely worth insurer should consider different insurance rates for various ages of insured person. Following by examination whether the rate used to calculate premiums in case of hospitalization extra insurance corresponds to the actual risk coverage. It has been calculated the rate could be lower than currently used due to the loss experience of insurance for the past 9 years and the assumption of certain expenses and desired profit. It would be cheaper for insurance group contracts than it is today, when the insurer has done so. It could also attract new clientele. The last stated goal in this thesis is to create prognosis of the amount of indemnity paid for injuries covered by additional daily compensation insurance. Using the software EViews is analyzed this trend in the past 32 months first. Based on its outcome there is a future level forecast created for the next four years. These resulting values indicate the insurance indemnity for group contract will grow. Therefore, based on this analysis insurer should to conclude in the contract it would be appropriate to increase the premium of the insurance coverage. With these practical tasks the reader can get idea not only of problems solved in the scope of multiple life insurance and group insurance but also to become familiar with some statistical software used for analyzes carried out not only in the insurance industry. The conclusions of this thesis can also be beneficial for insurer who may adjust premium prices of analyzed insurances.
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Assessment Of Economic Indicators of the Company Vinařství U Kapličky s.r.o. Using Time Series
Šešulka, Michael ; Novotná, Veronika (referee) ; Doubravský, Karel (advisor)
The bachelor´s thesis is focused on the assessment of selected economic indicators of the company Vinařství U Kapličky s.r.o. using time series. The theoretical part includes the issue of time-series, regression function and description of selected economic indicators. In the practical part of the thesis is directed to the real use of the information obtained from the theoretical part, using time series are the results of the regression function indicators aligned and subsequently predicted their development in the future. The final part is devoted to the evaluation of the results and based on them are provided with appropriate proposals improve the current economic and financial situation of the company.
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Analysis of Some Indicators of Hospital Vyškov Using Time Series
Vlašic, Petr ; Štěpánková, Vladěna (referee) ; Kropáč, Jiří (advisor)
This bachelor thesis deals with some important indicators of hospital Vyskov using time series. The first part is the theoretical knowledge of statistical methods, namely time series. And the second part is given a practical part, which focuses on the analysis and processing of selected indicators. These indicators are statistically and graphically depicts the functions and are interpreted as simple as possible so that everyone could understand. The final part of this work consists of future forecasts, and advice on how to achieve this forecast.
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Productivity Analysis of Králík's Bakery Using Time Series
Šimková, Marcela ; Pokorný, Petr (referee) ; Kropáč, Jiří (advisor)
The purpose of this Bachelor thesis is to come up with an in-depth efficiency analysis of Kralik's bakery by means of using time series. The intput data set is entirely based on references which were obtained directly from the bakery. Main intention is therefore concentrated on drawing up an analysis that will be used for prediction of production factors in a future. This will consequently lead to better optimization of production plans.
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Low Cycle and High Cycle Fatigue Properties of Austempered Ductile Iron
Zapletal, Josef ; Věchet, Stanislav (advisor)
The thesis is focused on assessment of fatigue behaviour of austempered ductile iron with nodular graphite. Optimal period of transformation was determined based on the best combination of stress and strain characteristics established by tensile test. Cyclic response and low-cycle fatigue life were studied under both stress-control and longitudinal strain-control mode at room temperature. For both modes, shapes of cyclic hardening curves are dependent on stress amplitude. Cyclic deformation curves (CDC) were fitted by power regression function. Results were compared with CDC established by multiple step test in both modes with verification of the influence of cyclic creep (high stress levels, stress-control mode). Experimental data of S-N curves are in agreement with the Manson-Coffin and the Basquin law. Fatigue and cyclic parameters were compared. Fatigue life time in high-cycle fatigue region was determined. Experimental data were fitted by suitable regression functions. Regression parameters and fatigue limit were established by means of each regression function. Experimental data in low- and high-cycle fatigue regions were used to construct S-N curve and to determine relevant parameters. Discontinuity of experimental data was not observed. Low-cycle fatigue behaviour was predicted. Approximation of tolerance bands was realized in high-cycle and both high and low cycle fatigue regions.
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Low Cycle and High Cycle Fatigue Properties of Austempered Ductile Iron
Zapletal, Josef ; Bokůvka, Otakar (referee) ; Kunz, Ludvík (referee) ; Věchet, Stanislav (advisor)
The thesis is focused on assessment of fatigue behaviour of austempered ductile iron with nodular graphite. Optimal period of transformation was determined based on the best combination of stress and strain characteristics established by tensile test. Cyclic response and low-cycle fatigue life were studied under both stress-control and longitudinal strain-control mode at room temperature. For both modes, shapes of cyclic hardening curves are dependent on stress amplitude. Cyclic deformation curves (CDC) were fitted by power regression function. Results were compared with CDC established by multiple step test in both modes with verification of the influence of cyclic creep (high stress levels, stress-control mode). Experimental data of S-N curves are in agreement with the Manson-Coffin and the Basquin law. Fatigue and cyclic parameters were compared. Fatigue life time in high-cycle fatigue region was determined. Experimental data were fitted by suitable regression functions. Regression parameters and fatigue limit were established by means of each regression function. Experimental data in low- and high-cycle fatigue regions were used to construct S-N curve and to determine relevant parameters. Discontinuity of experimental data was not observed. Low-cycle fatigue behaviour was predicted. Approximation of tolerance bands was realized in high-cycle and both high and low cycle fatigue regions.
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Current distribution on linear antennas
Novák, Tomáš ; Bártík, Hynek (referee) ; Nováček, Zdeněk (advisor)
This work will describe current distribution measurement problems along antenna conductor using a probe (coupling loop), which is attached to selective micro-voltmeter, which will indicate signal level (voltage). The signal level will be used for representing the current distribution. Subsequently, measuring workplace issues from generator to antenna conductor, probe and selective micro-voltmeter, will be discussed. Analysis of voltages of this link-up and additional study will be conducted. Other parameters, which complement this situation, will be calculated from the current distribution. A computer program, which calculates these parameters and speeds up the collected data processing, will be used for this process.
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Design of experiments for quality optimization
Havlásek, Radim ; Kosina, Petr (referee) ; Novotný, Radovan (advisor)
This thesis is aimed to Design of Experiments methodology. Main purpose of this thesis is to create detailed materials for lessons of Design of Experiments in Quality Control courses. Thesis contains case studies which are applicable for education purposes. Design of Experiments has been applied for solder joints quality evaluation. Solder joints have been modeled in software ANSYS and finite element method has been applied for thermomechanical stress evaluation.
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Studium klimatických změn v České republice
Osičková, Renata
In my Diploma Thesis are processed and analyzed values of average monthly temperatures recorded in 34 meteorological stations that are uniformly distributed in the territory of the Czech Republic. Recorded data are approximated by a series regression function F(t, x, y, h), which is based on a model . This function describe the dependence of temperature T [°C] on time t [year], geographical position x, y [km] and altitude h [m]. Unknown coefficients of the linear functions were calculated using a Maple application based on the method of least squares. The author calculated coefficients of linear correlation for each meteorological station and also the time development of the coefficient of linear correlation for the whole territory of the Czech Republic. The calculated average values for individual stations and for the whole territory were 0.97 and 0.92, respectively. This result indicates a very high standard of the developed model and the model itself indicates that the average temperatures are decreasing in approximately 80 % of the territory of the Czech Republic.
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