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Financial Planning in the Context of clients' Creditworthiness
KRAMLOVÁ, Anna
The aim of this thesis is to assess the impact of the clients' creditworthiness and their financial plan in terms of selected credit products. The thesis is divided into two main parts, theoretical and practical. The theoretical of my thesis part is devoted to defining and describing basic banking concepts, i.e. more precisely to banking products, supervision and regulation of the CNB (Czech national Bank) in regards to the credit process and the related creditworthiness of the client. The practical part of my thesis focuses on the analysis of consumer and mortgage loan offers using four potential clients as examples. The potential clients are then distinguished by their monthly income and divided into four groups based on their creditworthiness. These four loan applications are analyzed with particular attention being paid to the impact of the conditions provided on credit products from banking institutions on the potential clients´ earnings. The approval of a loan depends on the rate of the interest. Based on the examples of loans offered by two different banking institutions, the conclusion of my thesis provides a concise evaluation of the approach of the banks to potential clients based on their creditworthiness.
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Legislation on distribution of retail financial products in the Czech republic
Janata, Michal ; Husták, Zdeněk (advisor) ; Michalíková, Jana (referee)
The thesis analyses legal environment of the financial services market in relation with business practice of retail financial products distribution in Czech republic. It describes current legislation and instruments of regulation of the distributional activities both on national and supra-national (european) level. Furthermore, it introduces the development of regulation in light of identified weaknesses of legislation, leading to specific recommendations and measures ensuring vast consumer protection and fixing the level-playing-field in distribution throughout various sectors of financial markets and their layovers. The conclusions are based on author´s theoretical studies of economic and legal context and private business practice.
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Proposal Recommended Procedure for Selecting a Credit Products for Physical Clientele
Sadílková, Květa ; Hricová, Daniela (advisor) ; Olga, Olga (referee)
The subject of the thesis Proposal recommended procedure for selecting a loan product of clients is analyzing forms of consumer credit provided to the client, evaluation and suggest optimization using a specific choice of bank and non-bank credit or loan in deciding client. The theoretical part defines the concepts of credit products, natural clientele, creditworthiness and credit registers. The issue of financing of natural persons pursues the factors that influence decisions, evaluations and indebtedness of clients. In my thesis, I also mentioned about the various types of credit registries, including information links on the subsequent granting of a loan to the client. The practical part is the description and comparison of various types of consumer contracts, provided banking and non-banking institutions. Based on the analysis of consumer contracts are found common factors and differences and then advantages and disadvantages of these contracts. This comparison is also the basis for the proposed solutions to the financing needs of individuals, particulary to optimize the selection of consumer credit products provided either banking or non-banking institutions for clients - loan applicants in the form of recommendations for applicants. In the practical part there are used personal experiences both in terms of several years of work in sociological research company, and in several activities of a credit counselor in financial institutions.
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Platební a úvěrové bankovní produkty pro mladé klienty ve Velké Británii, Spolkové republice Německo a České republice
Picka, Martin
This bachelor thesis focuses on characteristics of payment and credit products in selected countries. It describes the banking system in Czech Republic and banking products suitable for young clients. Further, it characterizes the frequency of the use of banking products, its development and amount in those countries. The sec-ond part is focused on the comparison of selected products in those countries. Next, each product is evaluated in terms of convenience and the number of differ-ent variants. In conclusion, a recommendation is made for innovation of payment and loan product for young people in Czech Republic and survey is created, testing the interest in such products.
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