Credit Contract This diploma thesis is concerned with the provision of credit on the basis of the Credit Contract under Sections 497 - 507 of the Commercial Code. The primary aim of this thesis is to provide a detailed analysis of the regulation of the Credit Contract in the Commercial Code. Within the analysis of particular questions concerned I try to take into consideration current developments in case law, doctrine and banking practices. The subject of my interest is not solely the Credit Contract itself. I also focus on imminently related contractual instruments such as the Loan Contract under the Civil Code or credit business terms. The goal of this thesis is also to point to significant interpretation problems along with my own critical view and proposed solutions. Furthermore, I point out in a limited extent to partial issues regarding the regulation of the Customer Credit. Finally, I could not omit the analysis of the regulation of the Credit Contract and its related contractual instruments in the new Civil Code. The definition, nature and economic importance of the credit are delineated in the first chapter. These opening remarks help the reader to better understand the further following chapters dealing with the Credit Contract itself. The second chapter concentrates on the system of...

Thesis (M.Com. (Economics & Economic History)) - Rhodes University, 2009. / A thesis submitted in partial fulfilment of the requirements for the degree of Masters in Commerce (Financial Markets)

El presente documento investiga el efecto del capital reglamentario y el requerimiento de depósito sobre el margen de interés neto del sistema bancario en Perú en el periodo dic2010-dic2019 usando un panel de datos de 15 bancos. Este estudio está basado en la extensión del modelo teórico, planteado por Ho-Saunders (1981), realizado por Cruz-García y Fernández de Guevara (2019), en donde incluyen los requerimientos de capital y de depósito como determinantes importantes del margen o spread financiero. En el análisis econométrico se utilizó la metodología del system GMM, desarrollado por Arellano y Bond (1991), Arellano y Bover (1995) y Blundell y Bond (1998), y a través de dicha metodología, los resultados demuestran que los requerimientos de capital afectan de manera directa a los márgenes de interés de las entidades bancarias, y ello implica que los costos adicionales derivados de la regulación son trasladados a las familias y empresas a través de márgenes de interés mayores. Asimismo, las variables específicas de los bancos, como los costos operativos medios, el tamaño de operaciones, el riesgo de crédito, y el grado de competencia de los bancos son relevantes en la determinación de los márgenes de interés neto y tienen un impacto importante en ella. / This paper investigates the effect of capital requirements and deposit requirements on the net interest margin of the Peruvian banking system in the period Dec 2010 - Dec 2019 using a data panel of 15 banks. This study is based on the extension of the theoretical model proposed by Ho-Saunders (1981) and carried out by Cruz-García and Fernández de Guevara (2019), where they include capital and deposit requirements as important determinants of the financial margin or spread. The econometric analysis used the GMM system methodology, developed by Arellano and Bond (1991), Arellano and Bover (1995) and Blundell and Bond (1998), and through this methodology the results show that capital requirements directly affect the interest margins of banks, and this implies that the additional costs derived from regulation are transferred to families and companies through higher interest margins. Also, bank-specific variables, such as average operating costs, size of operations, credit risk, and the degree of competition of banks are relevant in determining net interest margins and have an important impact on it. / Trabajo de investigación

This thesis is focused on the evaluation of suitable alternatives for funding of own housing for specific model examples of clients and purposes. In the theoretical part there are defined the concepts associated with mortgages and building savings. The theoretical part is focused on the current trend in the market of mortgage financing in the Czech Republic. It also contains a prediction of further developments in the field of loan financing. In the practical part the theory is used for analyzing the offers of financial institutions and there is also selected an appropriate way of financing.

This thesis deals with the possibilities of financing housing, in particular savings instrument. The main goal is to determine, what are the differences between building savings banks, especially in the product. Another goal is to monitor and evaluate the options selected housing financing in the Czech Republic. The work focuses on market analysis, building societies and comparison of their products. The first part deals with the explanation of the concepts of housing and savings, including the establishment process of building savings and loan drawdown of savings. Attention is also paid to support housing programs from various government entities. Another part describes building savings banks operating on the Czech market. The last part describes and compares the conditions of products, what conclusions arise that are described in the summary at the end of work. Finally, the work summarizes the most important facts from all the chapters.