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Studie úrovně finanční gramotnosti v České republice
Hrabovská, Marie
HRABOVSKÁ, M. Study of the level of financial literacy in the Czech Republic. Bachelor thesis. Brno: Mendel University, 2014 This bachelor thesis aims at providing an analysis of projects and activities promoting financial literacy in the Czech Republic. As a first approach, this paper deals with a general introduction to the topic of financial education and the characteristics of organizations which are involved in this field. It is based on criteria which help making comparison between the activities developed in the Czech Republic and the Kingdom of Belgium in favour of financial literacy. As for a conclusion, the last part of this document evaluates the level of awareness of financial education in both studied countries and is followed by recommendations.
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Analysis of Selected Macroeconomic Debt Relations of the Polish and Czech Economies in the Period of 2000-2010
Jež, Marek ; Petrášek, František (advisor) ; Štěpánek, Pavel (referee)
The thesis deals with the analysis of the development of the fast-paced debt growth of Polish and Czech economies in the years between 2000 and 2010. It focuses on the most debt-ridden sectors; those of households and government institutions. The thesis identifies the causes of the dynamic debt increase of these sectors in both economies. The outcome of the analysis is also the evaluation of the debt expansion influence on the growth of GDP. The evaluation is based on the available data from the databases of statistical offices and central banks. The cause behind the debt of households is a confluence of several factors both on the part of demand and offer. Apparently, the key factor is the relaxed monetary policy of the central bank. The cause of government institutions debt are predominantly the anually created state budget deficits, and thus maintained an expansive character of the fiscal policies. Debt therefore additionally stimulated the economies in what already was a period of growth.
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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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Macroeconomic consequences of indebtedness of households in the example of the Czech Republic
Hanzl, Jiří ; Dočkal, Dalibor (advisor) ; Czesaný, Slavoj (referee)
Subject of my work is problem of households indebtedness. I figure on Czech republic data rapid growth credits households, the biggest part rank credit on living, especially mortgage credit. Incidence increased credit activities can have devastating effect. During economic fall, at growing unemployment and fall earnings, some households have not enough sources and stop pay off a debt. Then non-performing loans on overall debt very fast grew since 2008 to current 4,5 %. Banks have to handle credit risk, because every unpaid loan presents loss. Important indicators relative indebtedness, which compare debt against wealth and household's savings, is in Czech republic in most affably. Households are clean takers interests from financial assets, so they can pay back the credit. To banks important share credits to deposits is on 60 per cent. Expected progress suppose growth non-performing loans, but there is no expectation to make bank condition worst.
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Analysis of macroeconomic implications of Czech households indebtedness
Binderová, Anna ; Ježek, Tomáš (advisor) ; Mládek, Josef (referee)
The thesis analyses the rapid growth of indebtedness of Czech households, which have created concerns both among economists and general public. The thesis is aimed not only on development of indebtedness but also on causes of recent developments and structure of indebtedness. The thesis also deals with household savings, which are opposite of debts and according to neoclassical theory are the bottom line of economic growth. Main part of the thesis closely examines impacts of indebtedness upon Czech economy. It tries to describe and assess these impacts using economic theories, which are described in theoretical part of the thesis. International comparisons are an integral part of analysis, without them the analysis would be incomplete. The thesis uses up-to-date statistical data and widely used measures of indebtedness.
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Indebtedness of households-causes, impacts, comparison
Suchánková, Martina ; Jílek, Josef (advisor) ; Rybáček, Václav (referee)
The thesis will deal with reasons that lead to households becoming in debt on one hand, and on the other hand, the impacts that are caused by this process. Households are the biggest economic subject that create savings. They are also the second biggest debtor of the financial sector. From this point of view, there is an important role for the banks and financial institutions that offer households many kinds of credit products. The role of the central bank and its monetary policy and supervision are also important. In the theoretical part of the thesis some approaches of various economists will be described and monetary policy and defined economic subjects will be explained . In the second part of the thesis, ways that can run people into debt and the evolution of interest rates will be analysed. Focus will be also put on innovation that has arisen in financial markets, that have made credit expansion possible, mainly securitisation. After that an analysis of negative and positive macroeconomic impacts will follow, which are brought on by excessive financing of consumption and housing. The thesis will finish with a comparison of the households' debt in the Czech Republic and in other developed countries.
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Direct selling of Provident Financial - comparison with competition and proposal of stimulation
Opekarová, Jitka ; Jakubíková, Dagmar (advisor) ; Libra, Gustav (referee)
Cílem diplomové práce je porovnání systému řízení přímého prodeje s přímými i nepřímými konkurenty. Práce je členěna do teoretické a praktické části. Teoretická část pojednává o problematice přímého prodeje v ČR i ve světě, poodhaluje fenomén multi-level marketingu a pyramidových her. Analyzuje zadlužování českých domácností a zmiňuje se o benchmarkingu. Praktická část se zabývá popisem řízení systému přímého prodeje společnosti Provident Financial a oslovených konkurentů. Stěžejní část práce tvoří hodnocení těchto systémů metodou polaritního a konkurenčního profilu. Z hodnocení vyplývají návrhý a doporučení pro společnost Provident Financial.
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