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Estimating the credit risk of consumer loan by decision treeLu, Chin-Pin 21 June 2001 (has links)
No description available.
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Spotřebitelské úvěry na bankovním trhu Slovenské republiky / Banking market consumer loans in the Slovak republicKroulík, Martin January 2011 (has links)
This paper aims at consumer loans on the banking market in the Slovak republic. It defines legislature related to the topic in the European union, as well as in the Slovak republic. Later on, it concentrates on verification of client data, analyses precontracual information provided to consumers and the portfolio of consumer loans offerd by the Slovak banks.
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AB banko Snoras vartotojiškų paskolų marketingo strateginės tobulinimo kryptys / Strategic trends of AB bank Snoras consumer loans marketingKruopienė, Raminta 22 January 2009 (has links)
AB banke Snoras kaip ir daugelyje organizacijų skiriami trys pagrindiniai strategijų lygiai: korporacinė strategija; strateginio verslo vieneto strategija; funkcinės strategija.
Strateginio verslo vieneto AB banke Snoras funkcinės strategijos kuriamos siekinat tinkamai vykdyti šio vieneto atskirus veiksnius. Todėl nagrinėjant vartotojiškų paskolų teikimą, baigiamajame darbe išskirtinai nagrinėjama viena iš funkcinių strategijų – marketingo strategija.
Vartotojiškos paskolos užima didelę AB banko Snoras paskolų portfelio dalį. Tačiau magistriniame darbe nagrinėjama problema - AB banko Snoras vartotojiškų paskolų dalies mažėjimas visame vartotojiškų paskolų rinkos potfelyje. Todėl tyriamoje dalyje ieškoma sprendimų, kaip išlaikyti AB banko Snoras turimą vartotojiškų paskolų rinkos dalį ar net ją padidinti.
Darbe analizuojama AB banko Snoras veikla, verslo rezultatai bei AB banko Snoras vieta Lietuvos komercinėje bankininkystėje. Antroje darbo dalyje analizuojama AB banko Snoras marketingo strategijos vieta, jo strateginės kryptys, AB banko Snoras vartotojiškų paskolų rinkos dalys ir jų kitimo tendencijos. Taip pat analizuojama vartotojiškų paskolų marketingo strategija, jos pagrindinių marketingo elementų veiksniai, klientai ir konkurentai. Praktinėje dalyje atliktas AB banko Snoras vartotojiškų paskolų marketingo tobulinimo tyrimas. Anketinės apklausos būdu atlikta tiek vartotojų, tiek darbuotojų nuomonių analizė, pateikiami sugretinti ir apibendrinti duomenys.
Magistrinis... [toliau žr. visą tekstą] / In AB bank Snoras, as well as in any other organisation, there are 3 levels of strategy: a corporate strategy; a strategic business unit strategy; functional strategy.
The functional strategies of a strategic business unit are created in order to pursue the functions of this unit. Therefore in analysing the consumer loan deals, we exceptionally look at the marketing strategy, one of the functional strategies in AB bank Snoras.
Consumer loans form a large part of the AB bank Snoras loans portofolio. However, the main issue in this master’s thesis to deal with is the decrease of the consumer loan market offered by AB bank Snoras bank in the main consumer loan market. And therefore in the analytic part of master’s thesis the solutions are sought to how the consumer loan market of AB bank Snoras can be retained at the same level or even increased.
In this master’s thesis the AB bank Snoras business and the results are being analysed, as well as AB bank Snoras situation in the current market of commercial banking in Lithuania. In the second part of the master’s thesis the situation of the consumer loan of AB bank Snoras is being analysed, as well as its strategic directions and parts of the consumer loan market and the changes that take place. A marketing strategy of spending loans, factors of the substantial marketing elements as well as the clients and rival competitors – all these topics are also being analysed in this master’s thesis. In a practical part we analysed the... [to full text]
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Právní úprava vybraných spotřebitelských smluv / Legal modification of selected consumer contractsNováková, Michaela January 2016 (has links)
Development of consumers' protection issue dates back to 1970s but real beginning of the issue is considered to be at the turn of 1980s and 1990s. Ever since then has this area gone through dynamic development. The main reason behind that is fact that consumer contracts became everyday reality of our life (when buying goods, using public transportation or eating in restaurants). Another reason is unfair or even abusing behavior of businessman towards consumers. Thus main purpose of consumer's law is setting up of balance that is disrupted by economic strength and supremacy of businessman over consumer. That is achieved primarily by binding legal enactment. Securing protection of consumers from point of view both private law and public law including definitions of consumer, businessman and consumer contract is described in chapter number four and six. Consumer law isn't privilege of civil law only. Whole sphere of consumer law overlaps into commercial law, administrative, criminal and European law as well. Numerous legal acts, public notices, regulations and orders that more or less regulate consumer law are the evidence. Consumer law is strongly affected by European legislation - especially by secondary sources of law (directives). Both evolution and sources of law are described in chapter number...
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Analýza spotřebitelských úvěrů pomocí statistických metod / The consumer loans analysis using statistical methodsBožíková, Barbora January 2016 (has links)
Consumer loans are part of loan products provided by bank institutions. This diploma thesis is focused on possibility of identifying risk clients with the consumer loans, using available data set. In the first part of the work was briefly mentioned the credit process and also theoretical basis of statistic methods used in empirical part of the work. In the second part were investigated dependencies, and was described the clients structure. Then the discriminant analysis was applied, with the aim to identify the sorting criteria, which could recognize the risk and unproblematic clients. Subsequently the results of the analysis were evaluated and described the identified connections.
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Analýza právní úpravy lichvy / Analysis of usury legislationČervenková, Tereza January 2016 (has links)
The project analyzes current legislation on usury in the Czech Republic and the financial literacy of the adult population. On 1 Dec. 2016, an amended Act on Consumer Loans entered into force and this project examines it. The project compares Czech legislation on usury with selected European Union countries. Czech legislation is similar with German and Portugal legislation, especially in terms of civil law. The most effective legislation can be considered in Spain, which explicitly stipulates allowed interest rate limits. Based on that, Czech legislation on usury should be adjusted. The research results show a correlation between respondents' highest-achieved level of education and their financial literacy levels. The research also finds that the number of court distraints (property seizures) and the willingness to borrow money is lower among respondents with university-level education than for respondents with secondary and basic school education. When comparing our findings with research by STEM/MARK dating from 2010, it is clear that the financial literacy of the adult population in the Czech Republic has not changed significantly since that time.
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Analýza faktorov kreditného rizika u spotrebiteľských úverov / An Analysis of the Factors Affecting Credit Risk in Personal LendingKissík, Tomáš January 2016 (has links)
This thesis takes up the issue of consumer loans credit risk. It aims to identify factors that influence the likelihood of default during the repayment of bank retail products. Theoretical part is focused on the theory of bank loans, credit risk together with its regulation within the Basel guidelines and a description of the most commonly used statistical methods for the creation of scoring models. In the practical part, logistic regression parameter estimates are used on real set, the main features linking loans in default are examined and their impact on the proportion of bad loans in the portfolio is measured.
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Analýza ukazatele RPSN u spotřebitelských úvěrů / Analysis of the APRC for consumer loansErnstová, Pavla January 2013 (has links)
The thesis titled "Analysis of the APRC for consumer loans" begins with basic economic knowledge of the consumer loans, mutual context and legal background. Key emphasis is placed on the pointer annual percentage rate of charge. Analyzed loans are selected from wide range of bank and non-bank institutions that meet the specified parameters. For each loan there is comparison of calculated and actual values presented in the APRC. Next part of focused on overall comparison of the obtained results. Last section provides theoretical recommendations for future development.
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Regulace spotřebitelských úvěrů / Consumer loan regulationBabinec, Milan January 2012 (has links)
On April 23rd, 2008 the Directive 2008/48/EC on credit agreements for consumers of the European Parliament was adopted in Europe and became effective as of June 11th, 2010. The fundamental concept of my graduation theses is based on the information relevant for the sphere of the consumer credit regulation in context of above mentioned Direction. I have endeavored to record the principles of these changes in particular connection with the Czech Republic. This theses reveals various spectrums of components as fundamental terminology, principle of RPSN calculation, interest rates of consumer loans regulation, comparison with regulation of this area with regulation in other European countries and in Japan, impact of current financial crisis upon sphere of consumer credits, effects of new executor's regulations, possibility of usage of various registers of debtors, question of personal bankruptcy and at the close methods and conditions of current consumer credit's providers within the Czech Republic. The intention of my theses was to inform the readers about the up-coming changes and regulatory measures which should increase the efficiency of consumer loans providing and decrease the volume of indebted people and to provide the readers also with arguments for and against these planned measures.
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Ochrana spotřebitele / Consumer protectionFOJTOVÁ, Lucie January 2016 (has links)
In this thesis, the reader is familiar with th problems of consumer loans connected with insolvency petition. The thesis contains several chapters and subchapters are dedicated to consumer loans.On the basis of literature and website decribes the development and history of banking, it is defined by consumer credit and its classification and the outline th most important laws. The main goal of this thesis is the analysis of consumer credit, and their effect on the number of insolvency petitions. Practical part is dedicated to free analyzes general analysis of banking and non-banking institutions providing consumer loans and a third analysis focuses on the profile of individual borrowers. Finally, the work is a comparison and evaluation of surveyed data.
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