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Insurance Frauds
Gažová, Iva ; Krejčíř, Pavel (referee) ; Vykopalová, Hana (advisor)
This diploma thesis deals with the problems of insurance fraud in our society. The thesis is divided into several relatively separate sections. The theoretical part describes a basic characteristic, classification and origins of insurance fraud and it deals with a general description of perpetrators of fraudulent actions. An analysis of fraudulent actions in life and non-life insurance is carried out in the theoretical part of the diploma thesis. This work characterises the importance and the mutual relationship between detection and investigation of fraudulent actions. It also highlights the facts which aid and abet insurance fraud. The aim of the practical part of the diploma thesis was to carry out an analysis of various insurance fraud cases in the realm of motor insurance according to the subject, object and the most frequent variants of fraudulent actions and consequently create a profile of the perpetrator of insurance fraud on the basis of the evaluation of the analysis. The practical case study of client’s expedient behaviour enables us to look on detection of the particular insurance fraud. The end of the diploma thesis deals with recommendations for the measures which should be taken to fight insurance fraud.
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Insurance Fraud
Švec, Martin ; Vykopalová, Hana (referee) ; Štola, Josef (advisor)
The aim of this master's thesis is focusing on the problem of committing insurance frauds in Czech Republic. It is divided into separated chapters. In the introductory part I focused on a theoretical explanation of the terms related to this topic. The following section focuses on explaining the classification and the source of insurance frauds, the reasons of committing these criminal offenses, and the general profile of the perpetrator. Furthermore, in the theoretical part, I outlined the ways of the insurance fraud investigations. The goal of the thesis was to focus on the factors directing to insurance frauds Therefore, the analytic part concentrates on the analysis and the evaluation/assessment of the given statistical data results related to insurance frauds. In the end, for a better understanding, I mentioned a few revealed cases of these criminal offenses, and suggested certain preventive arrangements/actions against their potential happening or their easier revelation (in the future). Finally, I evaluated by analyzing risk groups committing insurance fraud and the main factors that lead to insurance fraud.
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Ethics in Real Estate Activities
Bumbálková, Gabriela ; Barňák, Tomáš (referee) ; Vykopalová, Hana (advisor)
The aim of my thesis is to focus on issues of ethics in real estate operations and search optimal criteria for ethics in the real estate business. I mention ethical codes and their application and rationale at work of real estate agencies and professional associations. Furthermore I explore the real estate market in the Czech Republic in terms of ethics and I mention characteristics of ethically solid agencies, however I will also devote most common unfair practices within the real estate business and the current problems of the real estate market, which do not contribute to an ethical environment in business. Using the survey I examine thinking about ethics in the real estate business from two perspectives, namely from the perspective of the client, whether former, current or potential, and from the perspective of real estate agencies and brokers.
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Insurance Fraud - Real Estate
Liška, Jaroslav ; Vykopalová, Hana (referee) ; Štola, Josef (advisor)
This diploma thesis deals with insurance fraud committed in both civil household insurance and real estate insurance. The actuality of insurance fraud and also the fact that this theme is very intriguing, is what drawn me to this topic. The first theorethical chapter offers a general description of insurance fraud. The second chapter then deals with the analysis of national statistics of insurance fraud in all areas of insurance, as well as the estimated numbers in a surveyed area of insurance. The aim was to determine factors leading to insurance fraud and evaluate risk groups of these crimes. These findings could be used to propose preventative measures. The third chapter therefore examines the attitude of modern society toward insurance fraud. It also explores the use of an online questionnaire in an attempt to build a profile of the average insurance fraud offender. Following chapter outlines the preventive and repressive measures, while the fifth chapter describes the detection and investigation of insurance fraud in practice. The sixth chapter presents specific cases of insurance fraud detected in surveyed area of insurance fraud. In the conclusion, the thesis summarizes findings and reserves as well as suggestions for improvement.
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Ethics in Real Estate Activities
Zůbek, Marián ; Vykopalová, Hana (referee) ; Štola, Josef (advisor)
This master´s thesis is focused on an evaluation of a real estate market in light of „ethics in real estate activities.“ I mention ways of ethical principles and rules implementing especially in estate agencies and professional associations. Furthermore I mention ways of correction pretending in case of an irregularity. It happens quite often in reality that there are events whose solutions are still not regulatedby law so there is no statutory dutyto adhere to them. That´s why ethics codes are not mandatory for estate agencies, because they have no legal dependence in a contractual agreement between a client and a real estate agency or in a legal framework – a law of the Czech republic. I outline basic test cases – problems which can arise in this area, write up main advantages and disadvantages of the existing regulations within the frame of the Czech republic.
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Supply, Demand, Interaction of Advertising
Skácel, Jiří ; Karabec, Jiří (referee) ; Vykopalová, Hana (advisor)
his thesis deals with the supply and demand and the impact of advertising on these two microeconomic variables. The work is focused on describing the operation of supply and demand from marketing point of view and not from a microeconomic perspective. In the theoretical part of this work to explain the essence of marketing and advertising, that can well influence the need and demand for goods and services. I'm also concerned with marketing mix and communication mix, which is the theoretical basis for the establishment of marketing activities to promote services and products. The theoretical outline the development of communication campaigns, as each campaign must be properly planned so as to be successful. The aim of this thesis is to examine the functioning of supply and demand, and assess the impact of advertising on supply and demand. This issue in a practical example of the real estate agents Dachi,Ltd., based in Olomouc. Practically make a quantitative marketing research methods and hypotheses are tested using a test of goodness of fit chi-square.
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Traffic Accident as a Cause of a Traumatic Situation
Bednářová, Denisa ; Barňák, Tomáš (referee) ; Vykopalová, Hana (advisor)
The thesis refers to the issue of road accidents and their prevention in the Czech Republic, seen as a negative phenomenon in modern society. It is divided into two relatively independent parts, theoretical and practical. The theoretical part focuses on a general description of traffic accident and states their main causes. Moreover, it deals with a road accident as a traumatic event having negative effects on life of involved people, especially on the human psyche. At the end of this part you can find basic principles of emergency intervention on casualties of road accidents and organizations which offer free help to road accident casualties. In the practical part of this work there is a study of road accidents that happened in the region of the Czech Republic from the point of view of their causes and the age of the driver.
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