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Financial literacy and financial history of Czech households
Vrabčák, Jan ; Rajl, Jiří (advisor) ; Fleischmann, Luboš (referee)
The author of this bachelor's thesis deals with the phenomenon of the present that is topic of financial literacy. The subject of this thesis is to create a reliable and sufficiently understandable manual, which actions should a financially literate individual, who is responsible for financial situation of his family, take. Author's intention is also to applicate gained knowledge on a model of fictional average Czech household, in real conditions, though, and therefore confirm usability of his own work. The result is going to be a product, which will pass on advice, how to take care of own financial situation, and will show or rationalize everything on a specific and detailed example.
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Dimensions of the problem indebtedness of the populatin in the Czech Republic after 2000
DOLEŽALOVÁ, Petra
My bachelor thesis deals with the explanation of basic terms related to the debt issue. Among the basic concepts which the work is engaged, eg. Financial literacy, usury, execution, poverty, etc. in my bachelor work closely learn about with the causes of debt, debt prevention and consequences of debt. This work also deals with social work with debtors and introduces us to a debt-vulnerable group of people. The thesis analyzes the problem of indebtedness of the population in the Czech Republic after 2000. The problem is elaborated after 2000 because of the increase in non-financial institutions in the market in the Czech Republic, which brought negative economic and social problems which are mutually intertwined.
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Financial Proficiency of Students at High Schools That Focus on Sports.
Belán, David ; Králová, Alena (advisor) ; Holečková, Lenka (referee)
The subject of this dissertation is to examine how financially proficient are students in high schools that focus on sports. It consists of a theoretical and a practical part. In the theoretical part I examine the integration of financial proficiency into the education systems in the Czech Republic. I describe the term financial proficiency, its meaning, structure and institutions that provide it. I research results of various studies examining the level of financial proficiency. In the practical part I analyze the implementation of study plans and educational areas from main educational programs to specific school educational programs. I research the current level and difference in financial proficiency of third-year students from two sports high schools. I found out that the level of financial proficiency depends on the amount of and the level of taught subjects that focus on educational areas that contain financial training.
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Analysis of the development and the reasons of Czech households indebtedness from 1993 to 2012
Uhlířová, Klára ; Loužek, Marek (advisor) ; Šlajs, Jan (referee)
The topic of the thesis is to analyze the debt of Czech households from 1993 to 2012. The main goal is to map the development of indebtedness of Czech households in these years and to discuss the reasons of increasing Czech households debt mainly including drop in inflation and interest rates, the desire of the population for their own living and the tendency towards the consumer life despite the decrease in growth of indebtedness of households till 2009. The thesis tries to answer the question whether Czech households are over indebted and whether they are threatened by falling into a debt trap. Although the increments of debt were considerable in the recent years, in the international comparison the indebtedness of Czech households is very low and the fall to a debt trap is not actual because the majority of loans are used for purchase of real estate. The risk is represented by substantial growth of interest rates, prices of real estate and increase in the unemployment rate together with low economic performance. In conclusion, the thesis tries to formulate the disposal against over indebtedness. As one of the most effective implement is considered the increase in financial literacy of wider population and the change of social atmosphere in which the debt was perceived least risky.
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Financial literacy and consumer loans
Lukešová, Martina ; Radová, Jarmila (advisor) ; Coufal, Libor (referee)
The Bachelor's thesis deals with problems of financial literacy. The problem with financial literacy is an extensive topic, therefore the paper focuses only on consumer loans which belong to the most used products by citizens. The thesis gives basic information about companies, which offer consumer loans and warn against incorrect financial institutions and loan sharks. One of the chapters dedicates the indicator of advantages of consumer loans. It shows issues of indicator annual percentage rate of expenses (APR) and its importance. Familiarity of those indicators increases financial literacy of citizens and contribute to right decision regarding consumer loan. Another chapter describes refinancing, which enables to make better some of the terms of loans. The final chapter familiarizes with the Navigator of consumer loans, which enables better orientation at market of consumer loans.
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Comparative analysis of the implementation of financial literacy in secondary education
Jandová, Lucie ; Krpálek, Pavel (advisor) ; Masaříková, Kateřina (referee)
This bachelor thesis deals with different methods of implementation of financial literacy to secondary schools in the Czech Republic. The theoretical part was developed on the basis of the research of available resources and describes the curriculum from the highest level -- the National Strategy for Financial Education, to school educational programs. It is followed by the description of didactic system adapted to financial and economic education. The analysis and the identification of content of financial literacy across three national curricula were conducted in the practical part after stating the problem, the hypotheses and the research methodology. The second tool of the research -- the questionnaire, was aimed to identify the way of implementation of financial literacy to specific secondary schools and mainly to state the main differences and similarities in the use of didactical and teaching means from the type of school and regional perspective and to complete the overall view on implementation. The summary and evaluation of the information were accomplished at the end of the work.
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Strategy of financial education in the Czech Republic and its implementation
Kuncová, Tereza ; Derner, Tomáš (advisor) ; Coufal, Libor (referee)
This bachelor thesis describes financial literacy in the Czech Republic. The thesis should provide to readers comprehensive summary about level of financial education in the Czech Republic and should illustrate importance of this education for the whole society. Big part of this work is devoted to the most important documents approved by the Czech government which are intended to improve level of financial literacy of Czech citizens. These documents also exactly determine the term of financial literacy. Further the work deals with completed researches in this area and the content is enriched by own research focused on financial literacy development of secondary school pupils. One of the main goals of the thesis is to find available possibilities of financial education both for schools and for adults. Additionally the thesis presents survey of publications and other study materials available to this topic on the Czech market.
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Regulation of Financial Advisory in the Czech Republic
Klofáč, Michal ; Kříž, Radim (advisor) ; Hásová, Jiřina (referee)
Consulting one's personal finance with a financial advisor should allow even the less financially educated to optimize their financial portfolio. The client-advisor relationship is however a strong case of information asymmetry, which can result in harm being made to the client by the advisor, either knowingly (when the advisor attempts to maximize their own utility, even at the client's cost) or unknowingly (e.g. when the advisor is inadequately qualified in the field). One of the ways to reduce such risks is a proper regulatory framework, which is the core subject of the thesis. At first, the thesis analyzes the current state of financial advisory in the Czech Republic (how it is performed, what part of the population benefits from it, what the main problems are etc.) and shows how the client-advisor interaction ought to be performed. The main part of the thesis describes what the main problems and risks for the client are and which legal measures exist that can reduce these negative effects. The current legal framework in the Czech Republic is then thoroughly analyzed and compared with best-practice of select EU states. Finally, legal measures which are currently being discussed or passed as laws are mentioned. In the very end, other measures which could help make the field of financial advisory in the Czech Republic more efficient are suggested. The aim of the thesis is to provide a compact overview of the regulatory measures currently affecting financial advisory in the Czech Republic, show them in the international context and test the hypothesis that the Czech market of financial advisory is still relatively immature and that further appropriate regulation would improve its effectiveness resulting in higher protection of clients.
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Financial Education in Primary Schools
Trefancová, Dana ; Krbová, Jana (advisor) ; Nový, Jan (referee)
The subject of the thesis is to analyze the "Financial literacy in elementary schools", focused on the second stage of elementary school, 6th -- 9th class of Klatovy. Theoretical and methodological part of the thesis describes financial literacy, its allocation to cash, cost and budget literacy. Furthermore, it gives the demographic, political and economic reasons for the implementation of financial education and the social and psychological aspects of human behavior in relation to financial literacy. The application part is focused on the comparison of curricula for elementary schools, which have the second stage of Klatovy. This part will be followed by a survey, which is the basic framework of the application part. There are three defined hypotheses, which are confirmed by the conclusions of this section. The questionnaire survey helped to show the real state of financial education at district of Klatovy.
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