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Investiční životní pojištění
Mišičková, Daniela ; Daňhel, Jaroslav (advisor)
Investiční životní pojištění se na našem domácím trhu představuje jako cenná investice do života, která má před sebou budoucnost a perspektivu. Tento druh pojistného produktu zahrnuje vše co je pro potencionálního klienta nejdůležitější při ukládání peněz. Přináší nám bezpečí, zhodnocení vložených prostředků, snadný přístup k penězům a minimalizuje naše náklady. Již dnes je nutné myslet na zabezpečení ve stáří a nespoléhat se jen na stát. Prostřednictvím investičního životního pojištění si lze udržet životní standard i ve stáří při využití finančních úlev poskytovaných státem, zároveň lze realizovat své potřeby jako je studium či cestování, též nám tento produkt může v budoucnu posloužit k zajištění financování bydlení prostřednictvím úvěrů, hypoték, půjček aj. Základem je ovšem pokrytí životních rizik. Lze uvést tři základní důvody proč si investiční životní pojištění získává stále větší popularitu. Jedná se zejména o preferenci přesunu garancí ze strany pojišťovny na stranu klienta, dále vysoké výnosy na kapitálových trzích v posledních letech a v neposlední řadě i individuální modelace pojistky dle potřeb klienta.
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Serverless single page application in JavaScript
Zikmund, Marian ; Pecinovský, Rudolf (advisor) ; Suchan, Vladimír (referee)
The goal of this thesis is to design and develop a framework for building modern single- page application in the JavaScript programming language and describe this approach to development. The work also contains the documentation for a more comfortable use and customization. The content is divided into eight chapters. The introduction is followed by the retrieval of information resources, including the specifics of the JavaScript programming language and explanation of the formation of single-page application. The description of the basic principles of their functioning, motivation and justification, when and why this approach is appropriate is also included. The work is primarily focused on the issue of single-page application, for which the use of the JavaScript programming language is crucial. For this reason, this work provides a whole chapter about this programming language, also including a description of its history and role in the context of others. Below are the common characteristics of single-page applications frameworks, built on top of the library ReactJS, whose formation is engaged in the following chapter. The developed framework also contains the user guide. The practical outcome of this work is an open source framework for creating serverless single-page applications, which is due to its architecture and documentation appropriately adaptable.
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Řízení IS/ICT se zaměřením na sourcing služeb informačního systému
Šebesta, Michal ; Voříšek, Jiří (advisor) ; Havlíček, Zdeněk (referee) ; Příklenk, Oldřich (referee) ; Král, Jaroslav (referee)
Research on outsourcing has been around for several decades, while recent evolution in the information systems discipline towards ICT service commoditization significantly changes the context of decision-making. Services that are available on-demand via the Internet allow organizations implementing functions they demand in a fraction of time. This trend represents a chance for organizations seeking to use advanced ICT services without a need of major investments. Problem is the current lack of guidelines and tools for managing ICT services and their outsourcing. Given the trends on the ICT service market, it is expected that much of the IT management in the future will encompass the ICT services and utilize service-level structures. Methods currently available are either too broad or encompass only small part of the whole problem. Ad-hoc or unsound decisions in this area might cause major complications in terms of quality, usability, integration, and consequently influence total cost of organizational IT. Organizations need to either revise existing models or propose and implement completely new models to manage their IS/ICT. This thesis deals with the management of IS/ICT with focus on the ICT services outsourcing. It discusses available sourcing models in the literature and links them to the various interconnected areas. Based on these areas, it presents an integrated view on IT outsourcing strategies. Most importantly the thesis proposes an original concept for decision-making about outsourcing of ICT services named the SOURCER framework. This approach utilizes the presented outsourcing strategies, and introduces a complex methodology and decision-making criteria that will assist organizations with selection of ICT services in order to maintain and manage a most suitable ICT service portfolio. The decision-making is based on four essential viewpoints: function, costs, time, and quality. These viewpoints are discussed, individually analyzed, and serve as a basis for further research. The whole framework is developed and validated according to Design Science Research Methodology (DSRM). Individual components are evaluated using a survey among a group of selected IT managers. Proof of concept is then established by a case study on framework use in a real organization. This case study covers strategy specification, business--IT alignment, specifying service architecture and its interconnections, outsourcing, and management of the ICT service portfolio.
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Míry podobnosti pro nominální data v hierarchickém shlukování
Šulc, Zdeněk ; Řezanková, Hana (advisor) ; Šimůnek, Milan (referee) ; Žambochová, Marta (referee)
This dissertation thesis deals with similarity measures for nominal data in hierarchical clustering, which can cope with variables with more than two categories, and which aspire to replace the simple matching approach standardly used in this area. These similarity measures take into account additional characteristics of a dataset, such as frequency distribution of categories or number of categories of a given variable. The thesis recognizes three main aims. The first one is an examination and clustering performance evaluation of selected similarity measures for nominal data in hierarchical clustering of objects and variables. To achieve this goal, four experiments dealing both with the object and variable clustering were performed. They examine the clustering quality of the examined similarity measures for nominal data in comparison with the commonly used similarity measures using a binary transformation, and moreover, with several alternative methods for nominal data clustering. The comparison and evaluation are performed on real and generated datasets. Outputs of these experiments lead to knowledge, which similarity measures can generally be used, which ones perform well in a particular situation, and which ones are not recommended to use for an object or variable clustering. The second aim is to propose a theory-based similarity measure, evaluate its properties, and compare it with the other examined similarity measures. Based on this aim, two novel similarity measures, Variable Entropy and Variable Mutability are proposed; especially, the former one performs very well in datasets with a lower number of variables. The third aim of this thesis is to provide a convenient software implementation based on the examined similarity measures for nominal data, which covers the whole clustering process from a computation of a proximity matrix to evaluation of resulting clusters. This goal was also achieved by creating the nomclust package for the software R, which covers this issue, and which is freely available.
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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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Institute of the United Payment Point of Social Benefits
SMOLÍKOVÁ, Martina
The goal of each country is saving money during crisis. One of the ways how to reach it is to reform the social system. In the Czech Republic there is now ongoing the Social Reform of non-insurance social benefits. The aim of this thesis was to explore the experience of officers, who works on non-insurance social benefits with the ongoing reform and social changes, what with the link of this reform occurred.On 1st January 2012 there was a merger of pay sites of state social support benefits, personal financial crisis benefits and benefits for people with disabilities. Decision and administration of these benefits from this date is made by one authority, which is the Labour Office of the Czech Republic. This step had carry on bring the possibility of more efficient management and administration of benefits and better controllability of funds. From 1st January 2012 can handle all services - both in the areas of mployment, state social support, assistance in personal financial crisis benefits for the people with disabilities through the Labour Office of the Czech Republic. Qualitative research was conducted by method of using the controllability interview. The concept of the interview was based on six topics. Collection data was ongiong in February and March 2014. The research sample consisted of nine officers of non-insurance social benefits selected purposeful selection at each office labor Czech Republic, the regional branch of the Ceske Budejovice. From the results of the work revealed, that individual officers still perceive in the reform rather disadvantages. Suggestions for improvement from his point of view doesn't have a range or they are only a small range. The biggest problem, what I see in the changes in the software, then in the creation and destruction subsequent of S-Card. Using of this card people should pay all non-insurance social benefits, in the future security and retirement benefits. Work have to feedback to the partial reform measures implemented in the context of payment non-insurance social benefits and can stimulate discussion on possible subsequent modifications.
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A neuroprotective effect of the 3α5β-pregnanolon glutamate in the animal model of ischemic brain injury
Kletečková, Lenka ; Valeš, Karel (advisor) ; Zach, Petr (referee)
The neuroactive steroid 3α5β-pregnanolon glutamate (3α5βP-Glu) is the synthetic analogue of a naturally-occurring 3α5β-pregnanolon sulfate. Both agents inhibit preferentially tonically activated NMDA receptors by a use-dependent mechanism. The aplication of 3α5βP-Glu could reduce the excitotoxic injury of the brain during ischemic conditions, in which plays role the excessive activation of NMDA receptors. The objectives of this study are to determine the effect of systemic aplication of 3α5βP-Glu on an oxygen saturation and a regional cerebral blood flow in the brain of laboratory rat. Subsequently to establish and critically evaluate the animal model of a global ischemic brain injury. Finally to test the neuroprotective potential of 3α5βP-Glu on cognitive funtions in this model. The oxygen saturation and regional cerebral blood flow were measured in the area of dorsal hippocampus. Both observed parametres were significantly increased after the application of3α5βP-Glu. These findings confirm the assumption that 3α5βP-Glu has a neuroprotective effect. The bilateral occlusions of arteriae carotis communis following placement of the rat into a hypoxic box has been utilized as a model of global ischemic brain injury. The aplication of 3α5βP-Glu increased significantly the rats survival. However,...
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Giuseppe Verdi: "Don Carlos" - opera complex scenographic project
Heřmánková, Lucie ; DAVID, Milan (advisor) ; TEMPÍR, Nikola (referee)
This bachelor’s thesis aims to find complex scenographic solution of Don Carlos opera composed by Italian author Giuseppe Verdi. Apart from my own creative solution I also present theoretical chapters of authors biography, relation to his work and I compare several Don Carlos productions by Josef Jelínek who designed six unique costume variations.
During process of making the set design I came up with lots of topics to think about. I chose freedom as main topic by studying past productions, libretto and musical part. This topic is one of the key elements of the creative solution and therefore I defined it further in part of this thesis. I am also looking for artistic ways that would be the most suitable and adequate for the opera, musical-dramatic genre, in which music could be more important than libretto. I am trying to find connections to contemporary society and keep the story up to date.
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Determination of content substances for selected species and varieties of roses.
Slavíková, Eva ; Sus, Josef (advisor) ; Súkeníková, Tereza (referee)
This bachelor's work is focused on comparing the most significant content substance, vitamin C, in fruits of chosen rose kinds species and varieties. Herbal products are often seen by people as products of "second choice", when failure of allopathic treatment occurs, which is focused especially on suppressing symptoms of illness, but it ignores health of the human body as whole. That's why are herbal products often alternative for therapy of chronic diseases. The base of this work is extensive literary research and results of laboratory measurings. Literary part of this work includes description of botanical classification of rose plants. There is stated basic characteristic of individual rose species and their morphological features. In following chapters is composed overview of effective substances in rose fruits and their effect on human health. In practical part of this work are included results of laboratory tests for determining ascorbic acid content for chosen samples of rose species and it also includes results of weighing and measuring of fruit samples of chosen rose species. There are also stated chosen rose species and shortly their origin and description, in the beginning of practical part. For practical part were chosen samples of species. Results of practical part are compiled into statistic tables and graphs and it confirms high content of ascorbic acid in rose fruits. This content is in range of cca 300 - 900 mg.100 g-1. Due to growing interest in alternative treatment options and "clean" natural product, it can be assumed, that many plants of Rosaceae family will keep its place in treatment practice. Those plants will be used not only for treatment of acute and chronic diseases, but also for cosmetic products production, thanks to its large effects and process options.
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Arctic tundra dendrochronology
Lehejček, Jiří ; Svoboda, Miroslav (advisor) ; Monika, Monika (referee)
Historically unprecedented environmental change in the Arctic ecosystems is often given into the context of its past and possible future development. In the region where instrumental meteorological observations are scarce archives need to be investigated in order to address this issues. The comprehensive synthesis one of the archives: long-live circumpolar evergreen Juniperus communis L. shrub is presented here. 20 individuals from southwest Greenland were investigated at the cell anatomy level to understand the ecology of the species and unhide its potential for environmental and climate reconstructions. The findings are as follows:
i) Stop of exponential cross-sectional conduit-lumen widening with increasing age is in contrast with conduit-lumen nature of trees. This indicates that shrubs do not need to saturate their water and nutrient demands via traits of classical hydraulic conductivity law but rather developed different mechanisms. Extreme weather conditions result in prostrate growth form. However, different weather factors probably influence shrub growth differently: While snow and wind act mechanically (a), temperature influences the form of growth physiologically (b). a) So long as the young shrub stem has high resilience to bend back to an upright position after snow melt and so long as it can withstand the wind during the vegetation season it most likely grows upright and the conduit-lumens widen. b) Temperature, resp. freeze-thaw events are responsible for the shrubs preference of safety (finite size of conduit-lumens) over hydraulic efficiency, thus not allowing for more primary growth. All of these (and other) factors are apparently working together and the transition of vertical to more horizontal growth is gradual. As a consequence, the conduit-lumen sizes may not have to be further increased (due to ecophysiological restrictions possibly also must not) because water is no longer transported against gravity.
ii) Observed age/growth trend has to be taken into consideration for further employment of the wood anatomical parameter in paleoenvironmental studies. That is, shrub cell parameters can only be used for this purposes if correctly detrended. This allows for more accurate as well as longer reconstructions because youth trend was often neglected in reconstructions based on shrub annual-rings.
iii) The south-western Greenland Ice-Sheet (GrIS) melt rates reconstruction is presented for the whole 20th century. This part of GrIS is considered as the most active. According to the presented reconstruction current GrIS melt rates are not uncommon for the last century being comparable to first decades of 20th century. This finding is particularly important contribution to the debate on Atlantic meridional overturning circulation (AMOC). Too high fresh water inputs into the Northern Atlantic from GrIS melting may slow down or even stop the AMOC which would result in more continental climate in Europe. Presented results indicate that this threshold lies higher than observed current melt rates of GrIS.
Fascinating Juniperus comunnis species has shown to be able to address many ecological as well as environmental open questions and due to its longevity and abundant distribution has a great potential to become an important player in the Arctic research.
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