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Legal regulation of the activities of banks
Robotková, Pavlína ; Kotáb, Petr (advisor) ; Kohajda, Michael (referee)
The subject matter of this thesis is to approach prudential requirements for banking activities in the Czech Republic. Taking into account the importance of the banking sector in the economy of each country, this area is widely regulated by directly applicable European legislation, for example by new regulation (EU) No. 757/2013 of the European parliament and of the Council of 26 June 2013 on prudential requirements for credit institutions and investment firms. National regulation is contained mainly in Act No. 21/1992 Coll., on Banks, as amended. Particular chapters of this thesis focus first on general introduction to banking, i.e. a description of the banking systems and institutions operating in them. One part is devoted to the Czech National Bank as the institution of the financial market supervision. The main part describes specific rules of banking activities, beginning with requirements for obtaining a banking license. Finally are mentioned financial safety net and the issue of the doctrine too- big-to-fail. Diploma thesis tries to connect the theory and the legislation with the practical functioning of supervision. For this purpose are used statistical data, certain decisions of the Czech National Bank and information from the Report on the performance of financial market supervision, the...
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Relationship between the central bank and commercial banks
Haasová, Eva ; Bakeš, Milan (advisor) ; Kohajda, Michael (referee)
Relations of the Central bank to Commercial banks This thesis deals with the relations among the central bank and commercial banks laying emphasize on the situation in the Czech Republic. The aim of this thesis is to characterize and analyze relations among the Czech National Bank and commercial banks, to evaluate them and suggest possible legislative improvements to strengthen the stability of banking institutions and thus the entire economy. In the beginning of the thesis the basic terms are defined. Then the types of relations among the central bank and commercial banks are described. The thesis is due to the wide number of emerging relations among the central bank and commercial banks focused mainly on relations associated with entrance into the banking sector, on the proper functioning of banks and on the relations associated with their extinction. The main part of the thesis is logically divided into another three parts. The first part describes the mechanism of granting banking licenses and the possibility of foreign institutions's establishment in the Czech banking market. Huge attention is dedicated to the unique bank license concept. In the second part there are described the most important conditions that are necessary for the banking sector to run properly. Most of this section is...
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Relations of central bank to commercial banks
Mádle, Miroslav ; Bakeš, Milan (advisor) ; Vybíral, Roman (referee)
Relations of the central bank to commercial banks Abstract The thesis follows up the relations of the central bank towards commercial banks, with the main emphasis being placed on the Czech Republic, where the role of the central bank is carried out by the Czech National Bank. The main aim of this work is to describe and evaluate the relations between these institutions in terms of current legislation and focus on situations where this legislation does not evolve in the right direction. The first part of the thesis is theoretical and deals with the definition of institutions crucial for the topic itself. By both institutions, commercial banks and the central bank, are emphasized their legal anchoring and their main activities. Within this part, a separate chapter is devoted to the Czech National Bank and its independence, without which CNB would not be able to carry out its activities properly. This part will also analyze the banking system, which represents a summary of banking institutions in a certain state and a summary of individual links between them. The Czech banking system is also introduced here. The next part follows up the regulation and supervision of commercial banks. A separate chapter is devoted to the banking license. The Czech National Bank has the power to grant a banking license and it...
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Legal regulation of the activities of banks
Robotková, Pavlína ; Kotáb, Petr (advisor) ; Kohajda, Michael (referee)
The subject matter of this thesis is to approach prudential requirements for banking activities in the Czech Republic. Taking into account the importance of the banking sector in the economy of each country, this area is widely regulated by directly applicable European legislation, for example by new regulation (EU) No. 757/2013 of the European parliament and of the Council of 26 June 2013 on prudential requirements for credit institutions and investment firms. National regulation is contained mainly in Act No. 21/1992 Coll., on Banks, as amended. Particular chapters of this thesis focus first on general introduction to banking, i.e. a description of the banking systems and institutions operating in them. One part is devoted to the Czech National Bank as the institution of the financial market supervision. The main part describes specific rules of banking activities, beginning with requirements for obtaining a banking license. Finally are mentioned financial safety net and the issue of the doctrine too- big-to-fail. Diploma thesis tries to connect the theory and the legislation with the practical functioning of supervision. For this purpose are used statistical data, certain decisions of the Czech National Bank and information from the Report on the performance of financial market supervision, the...
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Relationship between the central bank and commercial banks
Haasová, Eva ; Bakeš, Milan (advisor) ; Kohajda, Michael (referee)
Relations of the Central bank to Commercial banks This thesis deals with the relations among the central bank and commercial banks laying emphasize on the situation in the Czech Republic. The aim of this thesis is to characterize and analyze relations among the Czech National Bank and commercial banks, to evaluate them and suggest possible legislative improvements to strengthen the stability of banking institutions and thus the entire economy. In the beginning of the thesis the basic terms are defined. Then the types of relations among the central bank and commercial banks are described. The thesis is due to the wide number of emerging relations among the central bank and commercial banks focused mainly on relations associated with entrance into the banking sector, on the proper functioning of banks and on the relations associated with their extinction. The main part of the thesis is logically divided into another three parts. The first part describes the mechanism of granting banking licenses and the possibility of foreign institutions's establishment in the Czech banking market. Huge attention is dedicated to the unique bank license concept. In the second part there are described the most important conditions that are necessary for the banking sector to run properly. Most of this section is...
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Vývoj bankovního sektoru v ČR
Chouňová, Renáta ; Mikulec, Tomáš (advisor) ; Řežábek, Pavel (referee)
Ve své bakalářské práci jsme se zaměřila na vývoj bankovního sektoru v České republice. První část je věnována historickému vývoji bankovnictví na našem území. Ve druhé části popisuji vývoj po roce 1989 - zaměřila jsem se na vznik dvoustupňového bankovního systému, na otevření bankovního trhu, vydávání velkého množství licencí na počátku 90. let a následné úvěrové problémy některých bank. V práci dále popisuji regulaci ze strany ČNB a její opatření, která vedla ke stabilizaci celého bankovního sektoru.
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BANK REGULATION FOCUSED ON ENTRY TO THE MARKET
Marková, Lenka ; Mach, Petr (advisor) ; Chytilová, Helena (referee)
Nowadays, the banking is considered one of the most regulated branches of economy. So I decided to write about this kind of regulation. Because this topic is very waste, I will focus primarily on barriers to entry -- the licensing. First of all I will describe the theory of the banking regulation, its objectives and system. And then I will clear out the problematic of licensing in Czech conditions. That means, I will explain how fulfill the requirements so bank obtain this license. Without license the subject can't be considered as a bank. Then will follow the arguments that explain why the entry to this segment is so guarded and regulated. We have to consider also the opposite side of this problematic, because there are opponents of the bank regulation. They criticize the current state in the banking. Their opinions point out the imperfections of the bank regulation and its possible consequences. They will be explained in the rest of the paper.
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The system of banking regulation and supervision in the Czech Republic with a view to licensed entry in the banking industry
Medová, Hana ; Burgerová, Jiřina (advisor) ; Jílek, Josef (referee)
This bachelor thesis deals with the banking regulation and supervision in the Czech Republic and is focused on licensed entry in the banking industry as the basic part of the system of banking regulation and supervision. Attention is devoted to the current legal regulations of banking license including the conditions of its obtaining and the uniform license principle that is applied in the member states of the European Union. This thesis describes also the possibilities of banking license extinguishment. The aim of my thesis is to make an integrated overview of this dilemma and to review the need of regulation arrangement. For that purpose is the last part of the thesis dedicated to the regulation development in the Czech banking system since 1990 until present with the sight on the changes in license administration area.
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