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Zdravotní pojištění v České republice a ve vybraných zemích
Lněničková, Kamila ; Bílková, Diana (advisor) ; Vaculík, Josef (referee)
Hlavním cílem mé diplomové práce je analyzovat zdravotní pojištění v ČR a vybraných zemích. Zaměřila jsem se na problematiku výdajů na zdravotní péči a soukromé zdravotní pojištění. V první kapitole jsem se zaměřila na zdraví obyvatel a faktory, které zdraví obyvatel determinují. V druhé kapitole jsem charakterizovala jednotlivé druhy zdravotního pojištění. Třetí kapitola je věnovaná zdravotním pojišťovnám v ČR, především specifickému postavení VZP. Ve čtvrté kapitole se věnuji zdravotnímu pojištění v ČR. Kladla jsem velký důraz na soukromé zdravotní pojištění v ČR. Na praktickém příkladě jsem demonstrovala výpočet předepsaného pojistného konkrétních produktů. Poslední kapitola charakterizuje fungování zdravotního pojištění v Německu, Nizozemsku a Belgii.
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Jezdecké stezky v kraji Vysočina
Bendeová, Tereza
This bachelor thesis discusses the topic of riding trails in the Vysočina region. At the beginning I discuss the role of equestrian tourism in the Czech Republic. There are briefly described origins and conditions of riding trails in the regions and also the list of the public support and grants for development of equestrian tourism. The next part focuses on chosen region and characterizes its natural and cultural heritage. There are also described several trails through the Vysočina region. In the thesis there are mentioned conditions of the conduct of riding trails, infor-mations about horse selection and safety during horseriding. Furthermore, I created SWOT analysis, my own plan related to trail facilities that provide accomodation and design of a circular trail.
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Products with Protected Designations of the European Union and Their Position in Regional Tourism
Licková, Kamila ; Kalábová, Markéta (advisor) ; Abrhám, Josef (referee)
The master thesis deals with products with protected designations of the European Union. The main objective of the master thesis is to evaluate the importance of the chosen product with protected designation of the EU in regional tourism and analyse the perception of the product by a producer and by tourists. The sub-objective is the description of the European system of food labelling. The thesis is divided into five main chapters. The first part explains basic concepts which are related to the thesis. The second chapter introduces the best known food quality labels. Greater attention is devoted to the description of the food protection system of the EU. The third chapter deals with the characteristics of the chosen region Beskydy-Wallachia. The second part of this chapter is focused on the chosen protected product Štramberské uši. The forth chapter includes a structured interview with the chosen producer of Štramberské uši and a survey research, which was conducted in two phases. The last chapter contains the evaluation of the implemented survey. The main finding of this thesis is the fact that a relatively high percentage of respondents know the product Štramberské uši. An interesting finding is the fact that only a small portion of them know that the product Štramberské uši is the holder of the protected designation of the European Union. The chosen producer of Štramberské uši sees the main benefit of the label in greater publicity. Among problems he ranks the enforceability of the label and lack of general promotion of Štramberské uši.
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Taxation of Employee benefits in the chosen EU countries
Nguyenová, Phuong ; Rytířová, Lucie (advisor) ; Finardi, Savina (referee)
This diploma thesis aims to compare taxation of employee benefits in particular EU countries and identify their impact on employees and also employers. The main goal is to summarize the procedures that need to be done when dealing with benefits as well as state several suggestions for prospective reader. The thesis is divided into four chapters. First chapter defines employee benefits. Second chapter analyses benefits from employee's and employer's point of view. Third chapter gives detailed overview of benefits' taxation in selected countries of European Union. These countries are the Czech Republic, Slovakia and Austria. Finally last chapter contains several practical examples which show how to proceed when determining the amount of tax, while simultaneously comparing the differences in taxation between countries.
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Use of Interest Rate Models for Interest Rate Risk Management in the Czech Financial Market Environment
Cíchová Králová, Dana ; Arlt, Josef (advisor) ; Cipra, Tomáš (referee) ; Witzany, Jiří (referee)
The main goal of this thesis is to suggest an appropriate approach to interest rate risk modeling in the Czech financial market environment in various situations. Three distinct periods are analyzed. These periods, which are the period before the global financial crisis, period during the financial crisis and in the aftermath of the global financial crisis and calming subsequent debt crisis in the eurozone, are characterized by different evaluation of liquidity and credit risk, different relationship between financial variables and market participants and different degree of market regulations. Within this goal, an application of the BGM model in the Czech financial market environment is crucial. Use of the BGM model for the purpose of predicting a dynamics of a yield curve is not very common. This is firstly due to the fact that primary use of this model is a valuation of interest rate derivatives while ensuring the absence of arbitrage and secondly its application is relatively difficult. Nevertheless, I apply the BGM model to obtain predictions of the probability distributions of interest rates in the Czech and eurozone market environment, because its complexity, direct modeling of a yield curve based on market rates and especially a possibility of parameter estimation based on current swaptions volatilities quotations may lead to a significant improvement of predictions. This improvement was also confirmed in this thesis. Use of swaptions volatilities market quotations is especially useful in the period of unprecedented mone- tary easing and increased number of central banks and other regulators interventions into financial markets that occur after the financial crisis, because it reflects current market expectations which also include future interventions. As a consequence of underdevelopment of the Czech financial market there are no market quotations of Czech koruna denominated swaptions volatilities. I suggest their approximations based on quotations of euro denominated swaptions volatilities and also using volatilities of koruna and euro forward rates. Use of this approach ensures that predictions of the Czech yield curve dynamics contain current market expectations. To my knowledge, any other author has not presented similar application of the BGM model in the Czech financial market environment. In this thesis I further predict a Czech and Euro area money market yield curve dynamics using the CIR and the GP models as representatives of various types of interest rates models to compare these predictions with BGM predictions. I suggest a comprehensive system of three criteria, based on comparison of predicti- ons with reality, to describe a predictive power of selected models and an appropria- teness of their use in the Czech market environment during different situations in the market. This analysis shows that predictions of the Czech money market yield curve dynamics based on the BGM model demonstrate high predictive power and the best 8 quality in comparison with other models. GP model also produces relatively good qua- lity predictions. Conversely, predictions based on the CIR model as a representative of short rate model family completely failed when describing reality. In a situation when the economy allows negative rates and there is simultaneously a significant likelihood of their implementation, I recommend to obtain predictions of Czech money market yield curve dynamics using GP model which allows existence of negative interest rates. This analysis also contains a statistical test for validating the predictive power of each model and information on other tests. Berkowitz test rejects a hypothesis of accurate predictions for each model. However, this fact is common in real data testing even when using relatively good model. This fact is especially caused by difficult fulfilment of test conditions in real world. To my knowledge, such an analysis of the predictive power of selected interest rate models moreover in the Czech financial market environment has not been published yet. The last goal of this thesis is to suggest an appropriate approach to obtaining pre- dictions of Czech government bonds risk premium dynamics. I define this risk premium as a difference between government bond yields and fixed rate of CZK IRS with the same length. I apply the GP model to describe the dynamics of this indicator of the Czech Republic credit risk. In order to obtain a time series of the risk premium which are necessary for estimation of GP model parameters I firstly estimate yield curves of Czech government bonds using Svensson model for each trading day since 2005. Resulting si- mulations of risk premium show that the GP model predicts the real development of risk premiums of all maturities relatively well. Hence, the proposed approach is suitable for modeling of Czech Republic credit risk based on the use of information extracted from financial markets. I have not registered proposed approach to risk premium modeling moreover in the Czech financial market environment in other publications.
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Support for Unemployed People Aged Under 30 Years at Entry to the Labor Market
ŠABARTOVÁ, Alžběta
The Bachelor Thesis deals with the problems of unemployment benefits for people at the age up to 30 when entering the employment market. Unemployment is currently one of the serious problems in the world. The reduction in the number of unemployed people is one of the political priorities. The meaning of work as a job is taking an irreplaceable position for the life within our culture. Job loss has a considerable influence on social as well as personal life of an individual. The age is playing a significant role when seeking a job. Especially the time connected with the beginning of the career. School leavers who apply for their first job are concerned. They have no working experience, no practice, and they have so far had no possibility to acquire the basic work habits. A disharmony between zero experience and excessive earnings demands belongs to other root causes of the lack of interest in giving work opportunity to school leavers. Employment Office plays an irreplaceable role for the mediation of job and the consultancy. To solve unemployment within each target group, active and passive labour policies are available. The situation of the specific target group is stimulated especially through single programs and projects. The theoretical part pays attention to the definition and objectification of the unemployment-related terms and the analysis of labour market in Ceske Budejovice. Observations of a number of authors who are dealing with these problems and the related issues are summarized herein. The empirical part is formed by observations from own investigation. Two job-related targets have been set. The first target is to analyse the ideas the young people aged up to thirty, living in the district of Ceske Budejovice, have of their employment. The other target is to analyse the employers´ ideas of giving work to school leavers and young people. In order to fulfil the above targets, two investigative questions have been put: 1: Young peoples´ ideas of earning possibilities are unrealistic. 2: Employers find the European Social Fund helpful in giving work to young people. For the purpose of answering the investigative questions a qualitative research method, namely a case study the study of a few cases was selected. Interviewing was chosen as the most suitable method of data gathering. Initially, ten participants aged up to thirty were interviewed. At the time of interviewing, all of the participants were registered at the Employment Office in Ceske Budejovice and were taking part in a retraining scheme arranged by the Employment Office. When talking with young people I found that their gross commencing salary is expected to amount to approx. 16 200 CZK. The other selective group comprised five employers in Ceske Budejovice. It emerged from the interviews that one of the companies does not utilize the programs and projects announced by the European Social Fund at all. Two of the companies complain about excessive administration. One of the employers must always carefully consider its ability to satisfy the involvement conditions. Some negative feelings also appeared about the frequent changing the blank forms, a low number of announced projects for a particular business branch. The programs being related to deepening knowledge and staff training were most appreciated. The results of the Thesis will give the Employment Office a feedback on the utilization of the European Social Fund by employers and will help in adjusting the conditions for further projects being prepared.
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SOA and cloud computing
Křepela, Josef ; Karkošková, Soňa (advisor) ; Feuerlicht, Jiří (referee)
The primal goal of the bachelor thesis is describe principles of cloud computing, properties of SOA (service oriented architecture), their synergy following SOA Governance. At the beginning theoretical part will be described some important concepts and principles of cloud computing, there will be described deployment models and service models, SWOT analysis. In the next chapter is analyzed service oriented architecture. The third chapter describe the common features of cloud computing and SOA, synergy. The last chapter deals with governance of SOA (SOA Governance). Practical part of the work is modeling of SOA governing processes continuity with service cloud provider.
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Greek debt crisis
Krídlová, Adriána ; Žamberský, Pavel (advisor) ; Jedlinský, Jakub (referee)
Bachelor thesis deals with the evolution of the Greek debt crisis and is trying to best describe on the historical context, what led to it gradually. It deals with the history to the emergence of crisis and then focuses on crisis period between 2009 to 2015. The aim is to determine whether the latest rescue package was based on objective requirements of the Greek economy. The first chapter deals with the process of macroeconomic indicators and is also dedicated to the low competitiveness of Greece. The second chapter discusses the history of Greece until 2009, which can be regarded as the beginning of the debt crisis. The third chapter deals with the evolution of the crisis from 2009 to 2012. In the fourth chapter, I analyze the conformity of a Memorandum of Understanding with the real needs of the Greek economy to its recovery.
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Expected development of Business Intelligence applications in the coming years
Aschmann, Jakub ; Pour, Jan (advisor) ; Fortinová, Jana (referee)
This thesis focuses on the development of Business Intelligence applications. The main area is the potential development in the coming years, history of business intelligence and individual components. To acquire the necessary knowledge, I studied educational materials and electronic publications. In Chapter 3 I focus on the definition of BI, in the following chapter I analyse individual components and the last chapter is dedicated to the development in the future. This thesis will provide comprehensive knowledge and trends in business intelligence to readers who are interested in this area and are looking for complex information.
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Analysis of competition in the services market
Shashkova, Tatiana ; Soukupová, Jana (advisor) ; Adámek, Petr (referee)
The thesis deals with the analysis of market competition hairdressing services, concretely with analysis of three salons which provide hairdressing services in the Centre of Prague. Preliminary I present and define key terms that play basic role in the analysis of competition in the chosen field (competition, the specifics of hairdressing market, the specifics of consumer behavior). To make my own research I elected standards that influence customers when they choose a hairdressing salon, and I created questionnaire. During valuation I commented point gains. Total score were used to to evaluate the competitive position of hairdressing salons in the market.
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