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Proposal to improve the marketing communication of the company
Ščudla, Roman ; Kaňovská, Lucie (referee) ; Havíř, David (advisor)
The bachelor thesis deals with Marketing Communication within a non-banking company providing consumer loans to individuals. The first part presents the basic concepts of marketing, marketing and communication mix and analysis. Analytical describes a specific company and processes the data listed in the previous section tailored to the company. Based on the available and analyzed data, the last part is processed, namely proposals for improving the company's marketing communication.
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Proposal to improve the marketing communication of the company
Ščudla, Roman ; Kaňovská, Lucie (referee) ; Havíř, David (advisor)
The bachelor thesis deals with Marketing Communication within a non-banking company providing consumer loans to individuals. The first part presents the basic concepts of marketing, marketing and communication mix and analysis. Analytical describes a specific company and processes the data listed in the previous section tailored to the company. Based on the available and analyzed data, the last part is processed, namely proposals for improving the company's marketing communication.
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Finance and Growth Nexus: CEE & Central Asia and Beyond
Enkhbold, Buuruljin ; Horváth, Roman (advisor) ; Chytilová, Julie (referee) ; Korosteleva, Julia (referee)
Buuruljin Enkhbold Finance and Growth Nexus: CEE & Central Asia and Beyond Abstract (English) This thesis investigates the effect of financial development on economic growth using both global sample and regional samples focusing on Central and Eastern Europe (CEE) and Central Asia during the time period 1960-2013. The results of fixed effect panel and system GMM estimators suggest that the effect of private credit on growth had been neutral until 2007 and the effect turns negative if the time period is up to 2013. The negative effect of private credit on growth has been the largest for CEE and Central Asia, particularly for non-EU countries in the region. Stock market capitalisation and lending deposit spread have consistent effects regardless of the choice of time frame which implies that economies benefit from larger stock markets and lower lending deposit spread. Keywords: financial development, credit, stock market, spread, growth, CEE and Central Asia, generalized method of moments (GMM)
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Phenomenon of Czech Household Debt
Šrédlová, Jana ; Mašková, Pavla (advisor) ; Dobiášová, Karolína (referee)
The bachelor work deals with an issue of Czech household indebtedness. The author focuses especially on a topic of over-indebtedness and its causes. Life on credit became a serious problem, which has negative impact on society. The first part is devoted to explain trends of an increasing consumption based on theories of consumer and postmodern society. The topic of poverty and social exclusion is described in connection of debt problems. The second part engages present situation of household indebtedness in the Czech Republic and compares it with international statistics of European Union. Special part is dedicated to confront situation in Great Britain with the Czech Republic. The key part of work focuses on drivers of over-indebtedness. There are three main reasons: low income, high costs and low level of financial literacy. The author proceeds to analyze ways of prevention the low level of financial literacy, including debt counseling and educational programs for children who attend both primary school and high school. The last chapter explores a profile of a debtor as a result of conducted interviews and analysis of statistical data.
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Spotřebitelské úvěry bankovních a nebankovních institucí v České republice
Žáková, Nikola
The main aim of this bachelor thesis is to evaluate the development and state of consumer loans in the Czech Republic and indification of risks that consumers should avoid and thereby minimazing rising debt. Within this objective, the concept of banking system, credit market, banking and non-banking lenders, regulation and supervision, consumer protection and consumer loan. The practical part is focused on the consumer loan market in the Czech Republic and on the risks to consumer of consumer loan. The last chapter deals with the analysis of banking and non-banking institutions, where the loan proces is analyzed and next is the comparison of selected companies on the mode example.
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Financování vysokých škol v ČR a v Austrálii
Bártová, Eva
The aim of this bachelor thesis is to propose recommendations for financing universities in the Czech Republic with the possibility of using private sources of students. The first part of the thesis describes the basic types of universities financing systems in the world. The system of financing universities in the Czech Republic and Australia is analysed in detail so as loans for college students in Australia. Based on the results of the EUROSTUDENT projects and the questionnaire for students of the Faculty of Business and Economics of the Mendel University in Brno, financial resources and economic activity of students are compared. Part of the thesis is an analysis of financing systems in the Czech Republic and Australia using data from OECD Education at and Glance reports. The obtained outputs are discussed and possible utilization of the principles of Australian system of financing of universities in the Czech Republic is assessed.
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Credit market in the Czech Republic
Skryja, Jan ; Smrčka, Luboš (advisor) ; Schönfeld, Jaroslav (referee)
The thesis discusses current situation in the credit market in the Czech Republic. The main objective is to describe the functioning of the mortgage market and other credit markets, aiming not only to finance their own housing, but also on non-purpose loans. Business loans will be mentioned only very strictly. Loans are so extensive topic that it deserves a clear explanation, which families and individuals will understand and what they can expect when they will solve financing or what products are offered, what these products actually mean and what life situation (with regard to creditworthiness of the applicant, the purpose of the loan, and many other aspects) are determined. The whole thesis not only describes how the credit market looks, but also practically demonstrates how the entire process of handling the loan looks like and what you need primarily to solve when dealing with the financing.
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The Amendment to the Insolvency Act (Focused on Personal Bankruptcy)
Černohorská, Lucie ; Angelovská, Olga (advisor) ; Ochrana, František (referee)
This diploma thesis deals with the current amendment of the Insolvency Act. It was written by the Ministry of Justice of the Czech Republic. There is introduce the current amendment focuses on personal bankuptcy. The thesis introduces the legislative process of this amendment. For the identification of the actors was used the theory of advocacy coalitions. It shows their conflict of opinions. Two very different coalitions were defined in this problem amendment of Insolvency Act. Based on expert interviews were identified weaknesses of personal bankruptcy and devided into several groups. The study works with the concept of social stratification. It is used to ilustrate quantitative analysis. It contains the research sample of 91 and it completed insolvency proceedings (personal bankruptcy with repayment schedule). The sample were chosen from the relevant courts in Prague, Liberec region and Ústí nad Labem region. The results have been compared in the context of each area and as a whole sample.
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Finance and Growth Nexus: CEE & Central Asia and Beyond
Enkhbold, Buuruljin ; Horváth, Roman (advisor) ; Chytilová, Julie (referee) ; Korosteleva, Julia (referee)
Buuruljin Enkhbold Finance and Growth Nexus: CEE & Central Asia and Beyond Abstract (English) This thesis investigates the effect of financial development on economic growth using both global sample and regional samples focusing on Central and Eastern Europe (CEE) and Central Asia during the time period 1960-2013. The results of fixed effect panel and system GMM estimators suggest that the effect of private credit on growth had been neutral until 2007 and the effect turns negative if the time period is up to 2013. The negative effect of private credit on growth has been the largest for CEE and Central Asia, particularly for non-EU countries in the region. Stock market capitalisation and lending deposit spread have consistent effects regardless of the choice of time frame which implies that economies benefit from larger stock markets and lower lending deposit spread. Keywords: financial development, credit, stock market, spread, growth, CEE and Central Asia, generalized method of moments (GMM)
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Phenomenon of Czech Household Debt
Šrédlová, Jana ; Mašková, Pavla (advisor) ; Dobiášová, Karolína (referee)
The bachelor work deals with an issue of Czech household indebtedness. The author focuses especially on a topic of over-indebtedness and its causes. Life on credit became a serious problem, which has negative impact on society. The first part is devoted to explain trends of an increasing consumption based on theories of consumer and postmodern society. The topic of poverty and social exclusion is described in connection of debt problems. The second part engages present situation of household indebtedness in the Czech Republic and compares it with international statistics of European Union. Special part is dedicated to confront situation in Great Britain with the Czech Republic. The key part of work focuses on drivers of over-indebtedness. There are three main reasons: low income, high costs and low level of financial literacy. The author proceeds to analyze ways of prevention the low level of financial literacy, including debt counseling and educational programs for children who attend both primary school and high school. The last chapter explores a profile of a debtor as a result of conducted interviews and analysis of statistical data.
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