This diploma thesis is focused on the analysis of the impact of population aging on household savings in the Czech Republic, United Kingdom and Germany. The aim of this thesis is to evaluate the impact of population aging on household savings rates. The first part of the thesis defines the basic concepts, their characteristics and describes the theoretical relationship between the aging of the population and the household savings rate. The next part of the thesis deals with the qualitative analysis, which is focused on the analysis of population aging development and the household savings rate in the monitored countries. The last part of this diploma thesis is focused on quantification of the impact of population aging on the household savings rate through multidimensional regression analysis. The results show that the impact of aging populations on household savings rates varies from country to country. In the Czech Republic, population aging increases the household savings rate. In the United Kingdom, aging population decreases household savings rate. In Germany, population aging is not significantly influencing the household savings rate. Household savings rates in Germany are significantly influenced by other determinants.

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This Master's thesis focuses on Czech household savings. It describes the most important traditional and alternative financial products used by Czech households. Next it reveals the reasons why Czech households are so conservative in their attitude to their financial means in comparison with other European countries. In the last part of this thesis the most important determinants of household savings are identified and with the help of correlation coefficient the intensity of correlation between gross household savings and their determinants is explored.

The main task of this thesis is to clarify the impact of demographics on the rate of gross national savings which is considered one of the main elements of economic growth. Demographic trends and theoretical background are presented, which contributes to the understanding of the relationship of savings and the age structure of the population. The assessment of the relationship is done based on cross-sectional analysis of data from period 2009 -2013 for 133 countries, while the effect of demographic forces is studied through dependency rates of unproductive population. In the analysis partial estimates and analogous research with the pre-crisis data are performed. The results suggest that demographic forces leading to the growth of dependency rates negatively influence the savings rate. However, the important role is played by the level of development of individual countries or regional specifics since the effect of demographics between developed and developing countries is considerably different.

This diploma thesis deals with the discovery of factors that influence the household saving rate in the Czech Republic and Slovakia and the detection of any differences between these countries. In addition to the identification of significant determinants of saving, it investigates the development of Czech and Slovak household saving rate between 2000 and 2017. For this purpose a model is designed that describes the behaviour of the household saving rate over time, while allowing the prediction of values for the next period. Last but not least, recommendations on economic policy measures are set out on the basis of the findings.

This work focuses on importance of pension motive for havin children in developed countries. It starts with discussion of conditions, under which old age security hypothesis is likely to hold. It continues with overview of demographic trends in selected developed countries and stresses the negative impact of long term fertility decline on pension systems sustainability and performance. In the next part of this thesis we use cluster analysis to compare pension systems in developed countries and the way developed countries deal with lack of human capital. Special attention is paid to comparison of Scandinavian social welfare state model with Southern European welfare state model and with group of three Asian Tigers. Keywords: fertility, pension systems, family economics

Wrzecionková, A. Factors influencing household savings in the chosen countries of EU. Diploma thesis. Brno: Mendel University in Brno, 2019. This diploma thesis investigates factors influencing the saving rate in selected countries of the European Union, specifically in countries of the Czech Republic, France and Great Britain. This work deals not only with the identification of factors that may be common to each joint but also with the differences that contribute to differences in saving rates. This diploma thesis will focus more closely on the im-pact of population aging on savings as one of the determinants. By identifying de-terminants, it is then possible to analyse through regression analysis those factors that have a demonstrable effect on the savings rate in a particular country. This survey allows for a cross-country comparison where it is possible to compare indi-vidual factors between countries and to analyse possible matches and differences.

The main question this master thesis wants to answer is how much from their disposable income the Czech households save and how do they use their savings on the capital market. The thesis analyse situation and trend of the Czech households saving rate, changings of the marginal saving rate and checks in which financial instruments the Czech households alocate their savings. The thesis also focus on comparison of the Czech households data with the foreign households especially with the German, the Belgium and the Britain households as well as with Visegrád group households. Middle part of the thesis contains a forecast of future progress, which is compared with the similar forecast from year 2006, as well as the relationship of the government and the household's savings rate and possibilities and impacts of its regulation.The thesis is finished with the conclusion which summarize the most important results.

The theoretical part of the thesis introduces Austrian theory of business cycles and analyses equilibrium of savings and investments together with the transmission mechanism between savings, deposits, loans and investments. The practical part of the thesis explores business cycle and credit cycle. It analyses an excessive loan expansion of commercial banks together with a excessively expansive policy of central bank. The thesis deals with a procyclical action of commercial banks and contemporary tools of central bank with their limited effectiveness. Furthermore, the thesis analyses the possible adjustments of monetary policy with the emphasis on the macroprudential policy and its individual credit indicators. The end of the thesis deals with the method of credit rationing and with the imbalance between demand and supply at the credit market of non-financial corporations, which is modelled using the technique of disequilibrium model.

This diploma thesis describes by a feasibility study the introduction of a new product, which has the name Green credits. This project responds to a flexible manner on a prospective and dynamically growing market for environmentally friendly and energy-saving solutions and its implementation may allow a particular financial institution to obtain the position of leader and new business in this market.