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Information system for financial consultant
Sonták, Miloš ; Novák, Pavel (referee) ; Kříž, Jiří (advisor)
The thesis describes state of the art financial consultant in the marketplace and their processes with reference to Czech legislation. Objective is map their processes and on the basis consultation create new information system, that would have improved work to consultants and enable effective accounting.
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Finanční portfolio mladé české rodiny
Švejdová, Michaela
The aim of the bachelor thesis is to point out the importance of financial planning in personal and family life. The issue of financial planning consists in the prepara-tion of a financial plan to satisfy the needs and wishes, to achieve the short-term and long-term goals and to secure against the risks that could affect the financial and life situation. Each goal in a financial plan requires a certain amount of money to be earned through continuous or one-off deposits in financial products. Secur-ing is done in two ways - the creation of own financial reserves so-called self-insurance or the conclusion of insurance contracts in the insurance market. A set of closed family financial products is called a financial portfolio. The bachelor thesis at first defines the basic concepts of financial planning, explains the financial products that are offered on the financial market and their possible use with respect to the financial strategy. Theoretical knowledge is put into practical use in two draft financial plans for two different young families. Families differ from each other especially in current life situation, with one couple faces the decision to finance the building of the family home, and the other couple plans to expand the family and secure family.
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Collection of exercises of financial mathematics for high schools
ŠACHLOVÁ, Kamila
This bachelor thesis is focused on solved tasks from financial mathematics. Chosen tasks were complemented with possible use of modern technology (internet calculators, spreadsheet Microsoft Excel and a computational knowledge engine Wolfram Alpha). A collection of tasks is intended for high schools and contains these topics: inflation, exchange rate, interest (simple and compound, decursive and anticipative), loans, APR, mortgage, savings (short-term, long-term and combined) and financial products with state support. The basis for creating tasks is Framework Education Programme for Secondary General Education. The tasks were created with emphasis on the development of key competences in accordance with FEP SGE.
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Financial literacy and budgeting of the Czech household
Kotal, Martin ; Rajl, Jiří (advisor) ; Brodani, Jana (referee)
The author of this bachelor´s thesis tries to explain the basic information related to financial literacy and its importance in everyday life, primarily for making budget and during financial planning. Additionally it deals with chosen products, that a finantially literate individual as part of their improvement, should know and be able to use. The thesis also focuses on the practical application of the chosen financial products to reach a set of goals derived for a model family in real conditions. The result is an understandable manual, which a family in a similar situation could use to its adavantage.
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The Use of a Bridging Loan or Mortgage of Selected Financial Institutions Regarding the Value of a Purchased Asset
ŠEBESTOVÁ, Jana
The topic of this bachelor thesis is The use of a bridging loan or mortgage in selected financial institutions regarding the value of a purchased asset. There were created two specific variants for this work which were different in the price of real estate. Three financial institutions were selected for comparison of mortgage and three financial institutions for comparison of loans from building savings (loans from building savings has got two phases phase of bridging loans and phase of regular loans from building savings. In this work there were compared this criteria- interest rate, RPSN rate, monthly repayments and final price which is paid by client to financial institutions for lending money. The most convenient variant of both specific variants was from financial institutions Raiffeisen stavební spořitelna, who was offered loans from building savings. All compared criteria were better than other. The offer on the second place was mortgage from Raffeisenbank. Conversely, the most disadvantageous offer was loan from building savings from Wüstenrot stavební spořitelna.
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Financial literacy of high school students
Novák, Michal ; Homolka, Jaroslav (advisor) ; Šeráková, Petra (referee)
The bachelor thesis deals with the topic of financial literacy of high school students. The level of financial literacy is currently more and more discussed issue due to the potential threats leading from the ignorance of financial literacy.
The thesis consists of a theoretical and a practical part. The theoretical part is used for explaining and defining basic terms from the field of financial literacy. It includes e.g. norms of financial literacy, annual percentage rate (APR), inflation, budget etc.
The content of the practical part is based on a survey of a level of financial literacy made at chosen high schools. For the practical part, pupils of the third class of Grammar School and Business Academy Pelhrimov and Secondary School Pelhrimov were anonymously approached. On the basis of the research the ways of improving the level of financial literacy were propound.
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Řešení nedostatku finančních prostředků v různých typech domácností v ČR
Pavézková, Lenka
The diploma thesis deals with the identification of forms solution for the absence of financial funds in different types of households in the Czech Republic. The theoretical part focuses on the consumer behaviour of households and the factors influencing the consumption. The practical part is based on qualitative research which analyse the structure of income and spending of households and their consumer preferences. It recognizes the main reasons leading households to saving, lending and using of financial products. A significant part of the diploma thesis is focused on the issue of financial literacy. Research sample was consisted of 18 households, for one month households had to recorded income and spending into the diaries. Diary survey was supplemented with in-depth interviews (n = 18). Gained information allowed to deduce conclusions and to formulate recommendations for institutions acting in the financial markets.
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Information system for financial consultant
Sonták, Miloš ; Novák, Pavel (referee) ; Kříž, Jiří (advisor)
The thesis describes state of the art financial consultant in the marketplace and their processes with reference to Czech legislation. Objective is map their processes and on the basis consultation create new information system, that would have improved work to consultants and enable effective accounting.
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