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Fiscal behavior of households in the Czech Republic
Vostřelová, Radana ; Půlpánová, Stanislava (advisor) ; Dobrovolný, Marek (referee)
This thesis deals with the fiscal behavior of households within the Czech Republic. The main areas of interest are the appropriate management of personal or family finance and the importance of household budgeting. It shows that the awareness of ones income and expenses are the basis of a financial literacy, which is still at an insufficient level. Such households are thus regarded as a weaker market article, which have to be protected either by means of education, awareness raising or modifying legislation in their favor. Specific elements in the protection of clients are intertwined throughout the work. The thesis also deals with the relationship of Czech households to consumption, savings and debt. It records the specific period of changing attitudes to the way we deal with money and establishes that households that are no longer thrifty, consume more and loans become a common part of life for them. The thesis also concentrates on the most used financial products, specifying the reason for their popularity. Also, the consequences of poor household management are described and international comparisons are included as well.
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Specificity in the operation of insurance of persons
Vostřelová, Radana ; Ducháčková, Eva (advisor)
The thesis, which is entitled "Specificity in the operation of insurance of persons" firstly describes the various insurance products to this part of private insurance with a focus on their specific features, the possibility of concluding, the advantages and disadvantages. It also describes the whole process of insurance, from the possibility of negotiating over the whole course to the actual insured event. The majority of the work is devoted to the important work of the insurer in providing insurance to persons, and that is to explore potential health aspects of the client where stated what is important for the conclusion of the insurance agreement and what is in particular different from other types of insurance. Another very important activity of the insurer is his settlement of claims, which is also considered as one of the most important since this is the reason why clients enter insurance agreements. The relationship between insurance and taxes is not be excluded. The conclusion of my work is left for the insurance of people in the Czech Republic where I try, using different graphs, to indicate the importance of individual insurance products in total and for individual insurance companies operating on the Czech insurance market. I am trying to describe the links between private insurance and social insurance. At the very end I am trying to characterise the possible development of personal insurance in the future.
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