The aim of this thesis was to analyze student bank accounts offered by selected banking institutions in Czech Republic. This analysis and following evaluation was based on study of offered products as well as on a questionnaire survey which was focused on interest about student bank accounts, satisfaction, use of banking services and other products. This thesis consists of two parts, theoretical and practical. The theoretical part deals with the issue of banking, describes student bank accounts. The practical part contains comparison of selected bank accounts, evaluation of the questionaire and evaluation of established hypotheses. This thesis could help to potencial clients with the choice of the bank account. However, it is not easy to recommend one product.

Made available in DSpace on 2014-06-11T19:24:17Z (GMT). No. of bitstreams: 0 Previous issue date: 2005-04-15Bitstream added on 2014-06-13T19:30:58Z : No. of bitstreams: 1 mandarino_e_me_arafcl.pdf: 1869929 bytes, checksum: 0f75db5a59bf063708446247c39bde71 (MD5) / Coordenação de Aperfeiçoamento de Pessoal de Nível Superior (CAPES) / O estudo aborda as teorias de conta corrente aplicadas aos países em desenvolvimento para o período da década de noventa. O objetivo é analisar as diferentes perspectivas teóricas do pensamento econômico dominante (mainstream) e alternativo e verificar a sua adequação ao comportamento da conta corrente do Brasil ao longo da década de noventa. As teorias do mainstream dirigem sua atenção à questão da sustentabilidade da conta corrente, enquanto as teorias alternativas enfatizam a restrição externa ao crescimento causada pelo desequilíbrio em transações correntes. As teorias são avaliadas com base em dois critérios. O primeiro consiste em discutir os resultados obtidos por estudos aplicados ao Brasil. O segundo critério, a contribuição original do presente estudo, consiste em oferecer evidência empírica adicional com base em indicadores selecionados e definidos de acordo com cada vertente teórica. A conclusão é que os estudos alternativos constituem o referencial teórico mais adequado para avaliar os desequilíbrios em conta corrente do Brasil nos anos noventa. / The study approaches the theories of current account applied to developing countries for the nineties. The aim of the study is to examine the differing theoretical perspectives of the mainstream and alternative economics and to assess their consistency with the Brazilian current account performance in the nineties. The main issue addressed by the mainstream theories is the sustainability of current account, while the alternative theories emphasize the external restriction to domestic growth caused by current account imbalances. The assessment of the theories is based on two criteria. The first one consists of discussing the outcomes of studies applied to Brazil. The second one, the original contribution of the current study, consists of providing additional empirical evidence based on selected indicators defined according to each theoretical approach. The conclusion is that the alternative studies provide the most adequate theoretical approach to assess the Brazilian current account imbalances of the nineties.

The goal is to determine deficiencies that limit the explanatory power of balance sheet and profit and loss, to analyze these shortcomings and develop a proposal of possible solutions to minimize these shortcomings.

CoordenaÃÃo de AperfeiÃoamento de Pessoal de NÃvel Superior / This work seeks to integrate climatic, hydrologic, and reservoir operation models in order to optimize available water volume in the Brazilian Northeast. The global ECHAM 4.5 climate model was used to feed the RAMS regional climate model for the Alto Jaguaribe hydrographic basin. Resulting precipitation values were calibrated by the probability density function (PDF) correction of simulated data compared with average daily precipitation data using the Thiessen method for the period 1979-2009. The Heidke Skill Score (HSS) was used to evaluate model performance in the Maximum Predictable Time Interval (ITEMP) of the atmospheric model. These PDF-corrected precipitation data, both observed and RAMS-simulated, were inserted in the hydrologic Soil Moisture Account (SMA) model from the Hydrologic Engineering Center â Hydrologic Modeling System (HEC-HMS) to determine modeled flows. These flows were then compared with median observed flows. To calibrate and validate the SMA, an iterative method was used to minimize percentage error of volume. The data returned by this cascade model was applied to assisting policy-makers determine water releases from the OrÃs reservoir. Three different scenarios were compared, the first based on observed flows, the second flows simulated by SMA with observed precipitation, and the third by flows simulated by SMA driven by the RAMS-PDF precipitation data. The RAMS model showed optimal efficiency in precipitation prediction on a 30 to 45 day interval, with HSS values of 0.56. The SMA model showed satisfactory performance with Nash-Sutcliffe values of 0.89 in the calibration phase and 0.67 in the validation phase, demonstrating its capacity to assist hydrological modeling in the semi-arid. This cascade model showed potential in accurately representing median inflows for the reservoir and as such can be used as a hydrologic tool, assisting reservoir operation decisions to meet the regionâs demand. Keywords: Soil Moisture Account; hydrologic / O presente trabalho visa o acoplamento de modelo atmosfÃrico, hidrolÃgico e de operaÃÃo de reservatÃrio com vistas à otimizaÃÃo da liberaÃÃo de Ãguas no semiÃrido do nordeste brasileiro. O modelo atmosfÃrico regional RAMS foi forÃado pelo modelo atmosfÃrico global ECHAM 4.5, na bacia hidrogrÃfica do Alto Jaguaribe, e em seguida, aplicada a correÃÃo probability density function (PDF) nos dados simulados e comparado com dados diÃrio de precipitaÃÃo mÃdia observada pelo mÃtodo de Thiessen no perÃodo de 1979-2009. Foi utilizando o Heidke Skill Score (HSS) como mÃtrica principal para avaliar o desempenho da previsÃo em busca do Intervalo de Tempo de MÃxima Previsibilidade (ITEMP) do modelo atmosfÃrico. Os dados de precipitaÃÃes observados e simulados pelo RAMS com correÃÃes PDFs foram inseridos no modelo hidrolÃgico Soil Moisture Account (SMA) do Hydrologic Engineering Center - Hydrologic Modeling System (HEC-HMS), e comparado com as vazÃes mÃdias observadas. Para a calibraÃÃo e validaÃÃo do SMA, foi realizado um mÃtodo interativo para minimizar uma funÃÃo objetivo, com base no erro percentual do volume. Por fim foi desenvolvido e avaliado um modelo de cascata a fim de comparar as decisÃes operacionais de liberaÃÃo do reservatÃrio OrÃs com diferentes cenÃrios com base nas vazÃes observadas, vazÃes simuladas pelo SMA com a precipitaÃÃo observada e vazÃes simuladas pelo SMA forÃada com o RAMS-PDF. O modelo RAMS mostrou melhor eficiÃncia na previsÃo da precipitaÃÃo no intervalo de 30 a 45 dias, com valores de HSS = 0,56. O modelo SMA mostrou desempenho satisfatÃrio com valores de Nash-Sutcliffe de 0,89 na fase de calibraÃÃo e 0,67 na fase de validaÃÃo, mostrando ser uma nova alternativa de utilizaÃÃo de modelo hidrolÃgico no semiÃrido. O modelo de cascata mostrou potencial em representar bem as afluÃncias mÃdias do reservatÃrio, podendo tornar uma ferramenta hidrolÃgica, auxiliando as decisÃes de operaÃÃo dos reservatÃrios, atendendo as demandas da regiÃo.

Syftet med denna studie är att vidare klargöra individens roll inom industriell marknadsföring och företagsrelationer. Detta görs genom att binda samman hur engagemangstyper kan leda till lojalitet och hur engagemang samt lojalitet är riktade inom företagsrelationen. Två engagemangstyper särskiljs: praktiskt engagemang och känslomässigt engagemang. Studiens syfte uppnås genom undersökning av två företagsrelationer inom byggbranschen, där den ena relationen begränsas av lagen om offentlig upphandling. Företagen representeras av nyckelpersoner som står för den huvudsakliga kontakten mellan företagen. Nyckelpersoners uppfattningar och tankar undersöks genom intervjuer, riktade mot nyckelpersoner i både säljande och köpande företag. Utförd studie visar indikationer på att känslomässigt engagemang leder till lojalitet. Dock visas även att praktiskt engagemang har en betydande roll för företagsrelationen. Utöver indikationer på samband observerades ett antal oplanerade samband som väcker nya frågor och motivation till vidare forskning inom området.

Recent literature state that the relationship between buyers and sellers has gained more and more importance in business-to-business segments. The distribution of products may even end up in the shadow of these important relationships. The statement, of increased need for relationship marketing, is proven more tangible in cross-border interactions and communications. Managers who are maintaining and establishing international accounts have to acknowledge cultural differences, norms and preferences when keeping their international key accounts satisfaction. However, the practice around how cultural diversity implement the relationship process is something that could be further explored. Therefore, the purpose of this thesis is to explore cultural conflicts and dilemmas in manager’s relations with international key accounts.The thesis has a phenomenological approach, which aims at exploring personal business experiences of managers in practice. Thus, the aim is not to make general assumptions about either KAM, RM or business culture. The thesis is developed through five separate interviews with managers of different gender, practice and targeted customer culture. We mainly used Hofstede's (2017) framework when analyzing and discussing the implication of business culture on international relationships. Several strategies, both personal and business oriented, where noticed as a result of international and intercultural business collaborations. The result shows how complex the subject of business culture is and how limitations of managing cultural diversity can lead to conflicts and dilemmas.

This appendix contains supplementary material to the paper "A sectoral net lending perspective on Europe". It includes information on the data provenance and processing, the statistical and algebraic framework applied in the study as well as supplementary figures for all countries in the sample. Moreover, it provides robustness checks for the cyclicality analysis of sectoral net lending flows. / Series: Ecological Economic Papers

This diploma thesis deals with the analysis of current accounts on the Czech banking market. Its goal is to find the most appropriate accounts for different types of clients. The work is divided into three parts. The theoretical part describes the problem of multicriteria decision making, basic concepts and principles, methods for calculating weight of the criteria and individual methods of multicriterial evaluation of alternatives. The second part is devoted to the description of the currently offered current accounts for individuals and a description of the selected criteria according to which the individual alternatives are evaluated. The last computational part tries to find the most appropriate accounts for those clients. Weights are calculated using the scoring method and DEMATEL method. Subsequently, the best accounts are selected by WSA, TOPSIS, ELECTRE III and MAPPAC. The calculations are made by using MS Excel add-in application Sanna.

(None) Technical Summary of Thesis: The topic of my thesis is currency crisis. Currency crises have been a recurrent feature of the international economy from the invention of paper money. They are not confined to particular economies or specific region. They take place in developed, emerging, and developing countries and are spread all over the globe. Countries that experience currency crises face economic losses that can be huge and disruptive. However, the exacted toll is not only financial and economic, but also human, social, and political. It is clear that the currency crisis is a real threat to financial stability and economic prosperity. The main objective of this thesis is to analyze the determinants of currency crises for twenty OECD countries and South Africa from 1970 through 1998. It systematically examines the role of economic fundamentals and contagion in the origins of currency crises and empirically attempts to identify the channels through which the crises are being transmitted. It also examines the links between the incidence of currency crises and the choice of exchange rate regimes as well as the impact of capital market liberalization policies on the occurrence of currency crises. The first chapter identifies the episodes of currency crisis in our data set. Determining true crisis periods is a vital step in the empirical studies and has direct impact on the reliability of their estimations and the relevant policy implications. We define a period as a crisis episode when the Exchange Market Pressure (EMP) index, which consists of changes in exchange rates, reserves, and interest rates, exceeds a threshold. In order to minimize the concerns regarding the accuracy of identified crisis episodes, we apply extreme value theory, which is a more objective approach compared to other methods. In this chapter, we also select the reference country, which a country’s currency pressure index should be built around, in a more systematic way rather than by arbitrary choice or descriptive reasoning. The second chapter studies the probability of a currency exiting a tranquil state into a crisis state. There is an extensive literature on currency crises that empirically evaluate the roots and causes of the crises. Despite the interesting results of the current empirical literature, only very few of them account for the influence of time on the probability of crises. We use duration models that rigorously incorporate the time factor into the likelihood functions and allow us to investigate how the amount of time that a currency has already spent in the tranquil state affects the stability of a currency. Our findings show that high values of volatility of unemployment rates, inflation rates, contagion factors (which mostly work through trade channels), unemployment rates, real effective exchange rate, trade openness, and size of economy increases the hazard of a crisis. We make use of several robustness checks, including running our models on two different crisis episodes sets that are identified based on monthly and quarterly type spells. The third chapter examines the links between the incidence of currency crises and the choice of exchange rate regimes as well as the impact of capital market liberalization policies on the occurrence of currency crises. As in our previous paper, duration analysis is our methodology to study the probability of a currency crisis occurrence under different exchange rate regimes and capital mobility policies. The third chapter finds that there is a significant link between the choice of exchange rate regime and the incidence of currency crises in our sample. Nevertheless, the results are sensitive to the choice of the de facto exchange rate system. Moreover, in our sample, capital control policies appear to be helpful in preventing low duration currency crises. The results are robust to a wide variety of sample and models checks.

The main aim of this thesis is to describe family finance planning problems. This thesis includes list of financial products, which could be including in family portfolio. Advantages and disadvantages of theses products are describe at different periods of family life, recommendations are given. In the end of this work case study of real family finance plan is processed.