Магистерская диссертация посвящена исследованию оценки кредитоспособности заемщика с учетом нейрокогнитивных факторов. В современных финансовых институтах традиционные методы оценки кредитоспособности основываются преимущественно на анализе финансовых показателей и кредитной истории заемщика. Однако, развитие нейроэкономики и когнитивных наук открывает новые возможности для улучшения этих методик. Автором предложена методика оценки кредитоспособности, включающая нейрокогнитивные параметры. В качестве базы данных для проведения исследования использовались как традиционные финансовые показатели заемщиков, так и результаты нейрокогнитивных тестов. / The dissertаtion is devoted to the study of borrower's creditworthiness assessment taking into account neurocognitive factors. In modern financial institutions traditional methods of creditworthiness assessment are based mainly on the analysis of financial indicators and borrower's credit history. However, the development of neuroeconomics and cognitive sciences opens new opportunities to improve these techniques. The methodological part of the diploma is devoted to the development and testing of a creditworthiness assessment model that includes neurocognitive parameters. Both traditional financial indicators of borrowers and the results of neurocognitive tests are used as a database for the study.

Made available in DSpace on 2010-04-20T20:49:50Z (GMT). No. of bitstreams: 3 68458.pdf.jpg: 16519 bytes, checksum: f33c6e63a4f0f3cd3e59e7c3c9dce9a1 (MD5) 68458.pdf: 425785 bytes, checksum: e1e76e055a35adf8373e6fc33bad90fa (MD5) 68458.pdf.txt: 201916 bytes, checksum: 01083a5de32d1dcb5b80b759eb5484b6 (MD5) Previous issue date: 2006-08-14T00:00:00Z / The aim of this research is to evaluate the deteminants of municipal fiscal performance in the state of São Paulo and its influence in the municipal creditworthiness during the years of 1997 and 2003. For this work we used panel data methods and logistic regression models. The criteria to be considered for the classification of the states and cities in accordance to its financial fiscal performance follows Lei complementar nº 089/97 from Finance Ministery. After the division of the cities in categories of performance the research analyzes the factors that affect the inclusion of a city in a category of financial performance. Variable tested are those used for the rating agencies, considered the institutions that better evaluate municipal financial performance. As subnacional governments ratings do not exist in Brazil, and as the agencies do not divulge its criteria of classification openly, we appeal to the literature that tries to reproduce agencies ratings, and from this literature we select our variables. Rating agencies consider economic, fiscal, indebtedness and administrative factors to determine financial performance of a municipality. Those variables are not available for every year so we decided to use cross section analysis for years 2000 and 2001. To improve the analysis of the results, we used added data (whole sample) and disaggregated data for population. / Este trabalho tem como objetivo avaliar quais os fatores que determinaram o desempenho financeiro dos municípios paulistas e suas influências sobre a capacidade de pagamento entre os anos de 1997 e 2003, por meio de dados em painel e de modelos de variável dependente binária (logit). Os critérios a serem considerados para a classificação dos estados e municípios de acordo com seu desempenho fiscal/financeiro obedecem a Lei complementar nº 089/97 do Ministério da Fazenda. Após a divisão dos municípios em categorias de desempenho são analisados os fatores que afetam a inclusão de um município em uma ou outra categoria de desempenho financeiro. As variáveis testadas são aquelas utilizadas preferencialmente pelas agências de classificação de risco, que são consideradas as instituições que melhor avaliam o desempenho financeiro dos municípios. Como a classificação de risco dos governos subnacionais não existe no Brasil, e como as agências não divulgam abertamente seus critérios de classificação, recorremos à literatura que tenta reproduzir a classificação dessas agências, e a partir desta literatura selecionamos nossas variáveis. As agências consideram fatores econômicos, fiscais, de endividamento e administrativos para determinar o desempenho financeiro de um município. Como estas variáveis não estão disponíveis para todos os períodos foram também utilizadas análises cross section para o ano de 2000 e 2001. Com o intuito de observar as diferenças existentes entre os municípios, foram utilizados dados agregados (contendo o total da amostra) e dados desagregados por faixa populacional.

The work is focused on the issue of parameterization of the enterprise capabilities of its multifunction, stabilisation and growth by means of the non-capital measures. The basic terms and categories of this issue are characterized in the search section such as the agrarian sector and its position in the national economy of the Czech Republic, the common agricultural policy, rural development programme, the marginality, the LFA, the sustainability of agriculture, business multifunctional potential and its diversification, the financial health of the company, creditworthy and bankruptcy models. Doctoral dissertation tasks were solved on the file of legal entities in the South Bohemia region (229 farms - i.e. 1,504 statistical units) in the years 2005-2010, after the correction then on 214 agricultural holdings with the initial year 2010 and a scientific experiment was performed on 5 model enterprises with the initial year 2012. The main outputs of the dissertation are as follows: definition of zoning formulas, new theoretical defining business multifunctional potential including the methodology for determining business potential and its parameterization. Investigation was carried out on the test set of agricultural enterprises through models of non-investment measures, including subsidies; consideration was given to progressive increases and size degression. Variants of optimization (profit maximization and advantages of livestock production) were tested at scientific experiment on five chosen enterprises. The result of multifunctional potential parameterization process is also expressed in differentiation of the test set on creditworthy businesses and non-performing businesses and businesses falling into, so-called, a gray area. Solving the dissertation was connected to the state task of the Institute of Agricultural Economics and Information (IAEI, Prague) in preparation for the new programming period, the Rural Development Programme for the years 2014-2020 and the government document Strategy of Agriculture and Food Industry of the Czech Republic.

This thesis deals with the possibilities of financing a developer kind of project in the Czech Republic. It specializes on various stages of project implementation and on different types of credits to enable to fund the project and it also focuses on the conditions for obtaining them. The practical part of the dissertation shows the acquaintance and insight into a specific project, and potential risks that might arise during project implementation are also tried to be solved there. The thesis is affected by update changes in laws and it concludes with suggestion of a suitable project financing.

The goal of the thesis is to carry out financial performance analysis of two retail companies based on selected financial analysis tools and use its results for inter-company comparison. The theoretical section introduces selected methods of financial analysis and intercompany comparison methods which are used in the practical section to perform financial analysis of Billa and Kaufland companies. The selected performance ratios are consequently compared by means of intercompany comparison methods.

The Master’s thesis focuses on the evaluation of financial situation in selected company during the years 2011 – 2015. The first part of the thesis contains theoretical framework which is subsequently applied in evaluating the financial health of the company using suitable methods of the strategic and financial analysis. The next part consists of proposals to company’s improvement based on the overall assessment of the financial situation of the company.

This diploma thesis mainly focuses on the assessment/evaluation of external and internal surroundings/environment of a specific company between years 2012 and 2016. The first part of these defines theoretical constructs that are then applied in the practical part of the thesis. The external environment was analyzed using PESTLE analysis method and the Porter's Five Forces model. The financial analysis from 2012-2016 was used for the analysis of the internal surroundings. Based on the overall assessment/evaluation of the company surroundings/environment the author applies SWOT analysis and proposes several steps for the improvement.

This diploma thesis assesses the financial situation of an enterprise on the basis of corporate materials. It uses financial analysis methods, which enable evaluation of individual indicators. Proposals for improvement of the company’s specific situation are made on the basis of analysis of individual indicators and sets of indicators.

The theoretical part of this thesis describes the development of Czech banking sector, especially with emphasis on post-revolutionary rebirth within the new conditions of market economy. The following part demonstrates the decision-making credit account process of a bank on a particular case study based on the methodics and procedures leading up to maximal elimination of credit risk. At the same time, the author presents a partially modified internal opinion on a decision of particular business transaction. It is accented that every decision of a bank must comply with the regulations of CNB. The conclusion of the thesis affirms the maximal efforts of domestic banks to minimalize risks within their decision-making credit account processes, which is mirrored in current stability in the development of Czech banking sector.

This dissertation looks at selected matters covered by the statutory provisions on the shareholders protection as set out in the Commercial Code. It focuses mainly on the matters contained in Section 196a of the Commercial Code, Section 193 (2) of the Commercial Code, and on the issue of financial assistance. In addition, this dissertation deals with the legal protection of shareholders under the Business Corporations Act which is to take effect on 1 January 2014, and provides a brief outline of how these matters are regulated under certain foreign laws. As well, it provides a comparison with the legal regulations of the European Union. This dissertation is comprised of three sections, each having several parts. The parts are further divided into articles. Section 1 analyses the statutory provisions on the protection of shareholders as given in the Commercial Code, and is divided into four parts. The introduction, given in Part I, focuses on the protection of shareholders under the Commercial Code in the general sense. The remaining three parts concentrate on the above said selected statutory provisions. In each of those three parts, I attempt to discuss the key purpose of the provisions, describe how they developed including respective amendment (novelizations) of the Commercial Code and, in this context,...