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The analysis of consumer loans
Šubová, Veronika ; Radová, Jarmila (advisor) ; Rajl, Jiří (referee)
The master´s thesis analyses consumer loans provided by selected bank and non-bank entities within the Czech financial market. The main objective of the thesis, as well as the subject matter of its practical part, is to analyse the offers of particular bank and non-bank consumer loan providers and compare their financial advantages on sample examples of selected consumer loans. Partial goals of theoretical part of the thesis include closer presentation of the subject-matter of consumer loans, definition of the basic concepts and brief explanation of relevant law. The thesis also incorporates the evaluation of indebtedness development of Czech households.
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The analysis of the APR indicator on the consumer credit
Muzikář, Martin ; Radová, Jarmila (advisor) ; Coufal, Libor (referee)
This thesis deals with the analysis of the annual percentage rate (APR) and other key parameters of the consumer credit with regard to observance of the legal rules by major providers of the consumer credit on the Czech credit market. The first part deals with the economic implications of the consumer credit. It focuses mainly on the analysis of the indebtedness of Czech households on the consumer credit market. The second part deals with the legal implications of consumer credit, mainly legal requirements that are imposed on providers of the consumer credit. The third part provides the analysis of the APR indicator on the consumer credit and on the short-term loans. On the basis of the defined consumer credit models is provided the comparison of the APR for each credit both in terms of its compliance with the current legislation and in terms of the provider of the consumer credit. The final part deals with the specific recommendations for the financial literacy development and for the future legislative development.
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Consumer credits and tools used for their comparison
Skalický, Tomáš ; Půlpánová, Stanislava (advisor)
This bachelor thesis deals with consumer credits. It aims to familiarize potential applicant for the consumer credit with fundamental information and facts which are necessary for orientation in these broad problems. At the beginning, new law, which came into force in January 2011, is analyzed in detail. That is followed by an introduction of methods of classification of consumer credits with emphasis on mutual differences between particular types. Principal part focuses on methods of assessing and comparison of advantages of consumer credits by means of interest rate, rate of increase and annual percentage rate of costs. Finally, particular bank and non-bank credit offers are compared by using above mentioned tools of evaluation of the profitability of credits.
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Comparison of bank and non-bank consumer loans
Kubíková, Eva ; Půlpánová, Stanislava (advisor)
This bachelor thesis deals with consumer lending. It explains its legislation under the new law in force since 2011. It presents various types of consumer loans offered by Czech banks and non-banking institutions. Readers are familiar with the need for credit risk management. There are the current client information registers in the Czech Republic presented. It aims to compare the evolution of the volume of consumer loans in the banking and non-banking sector in recent years. It also examines the impact of financial crisis on this market.
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Comparing consumer's lending with bank's and non Bank's institucions in Czech Republic
Mrázková, Lucie ; Půlpánová, Stanislava (advisor)
This bachelor paper deals with nonpuropse, non-card, unsecured loans. It defines the fundamental terms related to these loans and determins force of relevant laws. It aims to compare the scale of various chosen banks' and non-bank providers' offered loans and to denominate some of the fees hidden not only in calculation of annual percentage rate of costs. It introduces the client information registry and outlines the procedure advisors use when approving a loan. At last, it accents consumer protection a predicts a folowing two year trend.
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