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Dopady regulací na trh spotřebitelských úvěrů na bydlení
Vinklárek, Filip
Diploma thesis focus on the regulation of consumer housing loans market. Based on the analysis of the consumer housing loans market in the European Un-ion, the main regulations and factors affecting this market are identified. Panel data analysis is available to determine the effects of regulation and factors on mortgage lending. The explained variable is the growth of mortgage loans. The explanatory variables are macroeconomic factors and macroprudential policy in-struments. Results showing effects of macro-prudential instruments on the con-sumer housing loans market.
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Dopady regulácií na trh spotrebiteľských úverov na bývanie
Vasiľková, Erika
The diploma thesis deals with an increasing demand for real estate loans, which support the increase of prices on the housing market. As a consequence of this, systemic risk grows, which causes that financial stability is unstable. By means of regressive analysis of panel data we try to find out the efficacy of macro-prudential tolls on increasing demand for real estate loans. Increase of real estate loans was chosen as a described factor, as well as macro-prudential tools and macro-economic indicators. The analysed data in the research come from the first quarter of 2006 until the fourth quarter of 2017. Time series are covered quar-terly. Eight countries of the European union were chosen as a sample for the analysis.
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Analysis of macroeconomic implications of Czech households indebtedness
Binderová, Anna ; Ježek, Tomáš (advisor) ; Mládek, Josef (referee)
The thesis analyses the rapid growth of indebtedness of Czech households, which have created concerns both among economists and general public. The thesis is aimed not only on development of indebtedness but also on causes of recent developments and structure of indebtedness. The thesis also deals with household savings, which are opposite of debts and according to neoclassical theory are the bottom line of economic growth. Main part of the thesis closely examines impacts of indebtedness upon Czech economy. It tries to describe and assess these impacts using economic theories, which are described in theoretical part of the thesis. International comparisons are an integral part of analysis, without them the analysis would be incomplete. The thesis uses up-to-date statistical data and widely used measures of indebtedness.
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Český úvěrový trh
Fejt, Leoš Bc. ; Dvořák, Pavel (advisor) ; Dvořák, Jiří (referee)
Diplomová práce popisuje vývoj objemu a struktury poskytovaných úvěrů v ČR v oblasti veřejného a podnikového zadlužení se zaměřením na zadlužení v segmentu domácností. Zde je provedena analýza faktorů, které ovlivňují změny ve struktuře a dynamice úvěrů. Významný vliv má vývoj úrokových sazeb, změny úvěrových podmínek, růst disponibilních příjmů, trh nemovitostí či nové trendy v přístupu k zadlužování.
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