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Analýza řízení pohledávek PRIMA, akciová společnost / The analysis of receivables management at PRIMA, joint-stock companyVeselý, Josef January 2014 (has links)
The topic of the diploma thesis is the analysis of receivables management at the building company PRIMA, joint-stock company in the period from 2010 to 2014. The theoretical part characterizes the receivables from the legal, accounting and tax points of view. Then it is engaged in their life cycle and the problematic connected with the management, provision and receivables recovery per curiam or in an out-of-court way. In the practical part there is the analysis of the current plutonomic situation. It is followed by the introduction of the company and the evaluation of their current financial situation via the done financial analysis. The following part deals with the analysis of the receivables management which involves the structure, term of expiration and the ways of receivables recovery at the analysed company. The main data sources include the financial evidences, annual reports, special publications, articles, internal materials and the consultations with the management of the company. The output of the diploma thesis is the evaluation of the current status of the receivables management, eventual finding the deficiencies and the proposal of the concrete recommendations for their elimination for the purpose of the current adjusted system tuning.
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Financování farmaceutické společnosti bankou / Bank financing of pharmaceutical companyDrexlerová, Hana January 2012 (has links)
The aim of my thesis is to propose a financing structure for the selected company and then process the credit application. The first part is focused on the strategy of the bank, lending products and the risks that the bank undertakes. Also contains a description of the credit process - the calculation of a credit rating, financing structuring, collateral, covenants determination and processing of credit application. The thesis analyses the specifics of the pharmaceutical industry. Theoretical knowledge is applied to the example of financing of pharmaceutical company and the preparation of a credit application.
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Financování vzniku maloobchodních jednotek ve firmě Italfashion, spol. s r. o. / Financing of retail units estabilishment in company Italfashion, spol. s r.o.Mokrý, Michal January 2008 (has links)
My dissertation analyses financial resources and funds of the Italfashion Ltd. company in years 2003 - 2006 on the basis of selected methods of financial analysis. If designs possible investment variations which should lead to the improvement of ways of financing particular investment projects in future.
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Análise da contribuição do modelo KMV para previsão de default de empresas nacionais de grande porteLamberti, José Renato de Paula 19 May 2011 (has links)
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Previous issue date: 2011-05-19 / Coordenação de Aperfeiçoamento de Pessoal de Nível Superior / Evaluating the risk of default by a company became an indispensable object when making the
decision to grant to the financial credit institutions. Taking in account the current record of
credit growth, the strategic role of risk management for financial institutions, the constant
innovations in the process of detection risk and the large volume of academic researches
related to management models for credit risk, because of this, it was considered the
appropriate occasion for the development of this dissertation.
The present work aims to confront the traditional analysis of risk based on accounting ratios
and the results of KMV model to determine the probability of default of publicly traded
companies. The dissertation will address the theoretical review of the traditional analysis of
credit risk and the model of KWN (based on the theory of Black and Scholes 1973 and
Merton, 1974).
The next step will apply the accounting ratios and the KMV model, calculating the probability
of default of the building sample. Therefore, we will discuss the limitations of the KMV
model and some recommendations in order to improve management of credit / Avaliar o risco de inadimplência de uma empresa tornou-se objeto indispensável para a
tomada de decisão de concessão de crédito para as instituições financeiras. O atual histórico
de crescimento do crédito, o papel estratégico do gerenciamento do risco para as instituições
financeiras, as constantes inovações nos procedimentos de detecção de risco e o grande
volume de pesquisas acadêmicas abordando modelos de gestão dos riscos de crédito,
considerou-se oportuna a ocasião para o desenvolvimento desta dissertação.
O presente trabalho tem como objetivo confrontar a análise tradicional de risco baseada em
índices contábeis e o resultado do modelo KMV para determinar a probabilidade de default
das empresas de capital aberto. A dissertação abordará a revisão teórica da análise tradicional
do risco de crédito e em seguida, a modelagem do KMV ( baseada na teoria de Black e
Scholes, 1973 e Merton, 1974).
O próximo passo aplicará os índices contábeis e a modelagem do KMV, calculando a
probabilidade de default das empresas da amostra. Por conseguinte, serão discutidas as
limitações do modelo KMV e algumas recomendações com o intuito de aprimorar o
gerenciamento do crédito
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Řízení úvěrového rizika v českých bankách / The credit risk management in the Czech banksČedíková, Gabriela January 2010 (has links)
Subject of my thesis is a credit risk in the czech banking environment. It consists of five chapters. First one contains description of basic risks banks are exposed to. The next one addresses the credit risk itself and its management, including determination of credit policy and the process of credit granting. Related to this topic is hedging, in broader sense also including provisioning and reserves creation. Third chapter is about credit derivatives, via which the credit risk can be reduced. Closely related to this topic is a securitisation process and it's products. Fourth chapter deals with regulation, which is an essential part of the banking sector nowadays. I focus primarily on Basel II and its credit risk part. In the final chapter I describe credit risk management of one of the biggest czech banks, Ceska sporitelna, which granted most credits in 2010.
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Influência das práticas de sustentabilidade no risco de crédito corporativoMilani, Aída Maria Mendes 16 September 2010 (has links)
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Previous issue date: 2010-09-16 / Fundo Mackenzie de Pesquisa / The credit market plays an important role in the global economy by promoting the expansion and diversification of economic activities of different players. Moreover, obtaining credit represents potential risk of default to their creditors. To mitigate these risks, financial institutions are constantly evaluating the conditions and characteristics of the market and its participants, relying on instruments of quantitative and qualitative analysis. The analytical models used try to incorporate relevant variables related to capability of payment of potential debtor, and recently has been discussed whether non-financial variables related to corporate sustainability can be incorporated by any of them. The credit analysis and risk management activities are essential to prevent deterioration of the credit portfolio of an institution. In credit analysis are assessed variables related to risk of the borrower, as so-called C's of credit: character, capacity, conditions, capital, collateral and conglomerate, as well as operational risks: value, type, term and collateral. Some institutions already have been included environmental aspects in their assessments of credit risk for financing large projects because, as financial agents, these organizations seek to link its image to actions considered appropriate under the social and environmental aspects. Some guidelines and internal policies of lenders may require that the projects and expansion programs of clients are related to the laws concerning the environment, and thus stimulate these values in the business. To assess the risks, some financial institutions have also embraced social and environmental indicators in the process of review and granting of credit, so that new variables, besides the traditional, can have positive or negative influence in determining the rating of the borrower and the pricing of these resources. It is still incipient the number of studies in Brazilian scientific literature on this subject, particularly related to analytic models of credit risk that use variables related to corporate sustainability under the triple perspective: economic, social and environmental. This exploratory research, under a quantitative approach, aimed at evaluating the influence of social and environmental variables in the credit risk analysis, complementing the economic variables already have usually considered. The selected sample, by convenience, was composed of 125 companies listed on Bovespa with available information on their social, environmental, economic issues, and also information on their rating. Accordingly, in this research were applied statistical techniques of factor analysis and multiple linear regression. The results led to inferences about the adoption, in credit analysis of socio-environmental variables, since treated in a standardized manner. / O mercado de crédito desempenha importante papel na economia mundial, fomentando a expansão e a diversificação das atividades econômicas de diferentes agentes. Por outro lado, a obtenção de crédito representa potenciais riscos de inadimplência aos respectivos credores. Para mitigar esses riscos as instituições financeiras estão, constantemente, avaliando as condições e características do mercado e de seus participantes, servindo-se de instrumentos de análise quantitativa e qualitativa. Os modelos analíticos utilizados procuram incorporar variáveis relevantes relacionadas à capacidade de pagamento do potencial devedor e, recentemente, discute-se se variáveis não financeiras relacionadas à sustentabilidade corporativa podem ser incorporadas por alguns deles. A análise de crédito e o gerenciamento de risco são atividades fundamentais para se evitar a deterioração da carteira de crédito de uma instituição. Na análise de crédito são avaliadas as variáveis relacionadas ao risco do tomador do empréstimo, como os chamados C s de crédito: caráter, capacidade, condições, capital e conglomerado, além dos riscos da operação: valor, modalidade, prazo e garantias. Algumas instituições já incluem em suas avaliações de crédito o risco ambiental para o financiamento de projetos de grande porte, pois, como agentes financiadores, tais organizações procuram comprometer a respectiva imagem a ações consideradas corretas sob os aspectos sociais e ambientais. Algumas diretrizes e políticas internas dos financiadores podem exigir que os projetos e programas de expansão dos clientes estejam inseridos na legislação do meio-ambiente, e dessa forma, estimulam a adequação empresarial aos valores e propostas socioambientais. Para avaliar os riscos envolvidos, algumas instituições financeiras também adotaram indicadores socioambientais no processo de análise e concessão do crédito, de forma que novas variáveis, além das tradicionais, podem ter influência positiva ou negativa na apuração do rating do tomador de recursos e na precificação desses recursos. Ainda é incipiente o número de pesquisas presentes na literatura científica nacional sobre o tema, particularmente com relação aos modelos analíticos de crédito e risco que se servem de variáveis relacionadas à sustentabilidade empresarial sob a sua tríplice perspectiva: econômico-financeira, ambiental e social. Este trabalho exploratório, de abordagem quantitativa, objetivou verificar a influência das variáveis sociais e ambientais na análise e risco de crédito, complementando as variáveis econômicas já usualmente consideradas. A amostra selecionada por conveniência foi composta por 125 empresas de capital aberto listadas na Bovespa com informações disponíveis sobre os seus respectivos aspectos sociais, ambientais, econômicos e, ainda, a classificação de risco (rating). Nesse sentido, aplicaram-se as técnicas estatísticas de análise fatorial e regressão múltipla linear. Os resultados obtidos permitiram inferir sobre a adoção, na análise de crédito, de variáveis socioambientais, desde que tratadas de forma padronizada.
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Zhodnocení a financování investičního záměru ve společnosti Jabara, s.r.o. / Evaluating and Financing an Investment Project in Company Jabara, s.r.oDrábková, Ivana January 2012 (has links)
Thesis "Evaluating and Financing an Investment Project in Company Jabara, s.r.o" is divided into three parts. First, evaluating of the overall situation by using basic anlysis. This will be followed by the detection whether the company Jabara, s.r.o. has money enough and other criteria for the development of business investment. At the conclusion appropriate forms of financing the investment will be given.
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