The thesis deals with individual lending in the Czech republic. Main focus is given to the analysis of consumer loans provided by selected banks and non-banking credit institutions operating on the Czech financial market. Based on the results of the analysis the recomendations for potential consumer credit applicants are given.

This diploma thesis deals with issues concerning marketing strategy of a new product at Provident Financial, s. r. o. The main grounds for the new product and appropriate proposal of marketing strategy are the figures acquired on the basis of theoretical findings and application of chosen marketing methods. The outputs of the thesis is the new product and the specific proposal of component parts regarding marketing strategy.

Graduate work focused on the current situation on the consumer credit market. The aim was to map the current market and the experience of the provision of financial services, in particular in the non-banking sector. On the basis of the results of the research were analysed experience and problems of the consumers, and also views of the lenders.

My thesis focuses on the analysis of financial instruments suitable to finance own housing available in the Czech Republic, especially on mortgages, building savings loans and consumer loans, from the client's perspective. The first chapter presents these three selected options, describes them along with their most important parameters. The second chapter presents three main financial groups in the Czech Republic alongside with their selected products. Individual products are compared and evaluated using preselected examples: buying a property and a reconstruction. Last chapter describes the most common influences on the demand for loan products to finance own housing and analyses them, focusing on the interest rates and the inflation rate.

The master´s thesis analyses consumer loans provided by selected bank and non-bank entities within the Czech financial market. The main objective of the thesis, as well as the subject matter of its practical part, is to analyse the offers of particular bank and non-bank consumer loan providers and compare their financial advantages on sample examples of selected consumer loans. Partial goals of theoretical part of the thesis include closer presentation of the subject-matter of consumer loans, definition of the basic concepts and brief explanation of relevant law. The thesis also incorporates the evaluation of indebtedness development of Czech households.

The thesis is focused on consumer loans either from a regulatory standpoint including comparison of two legislative resources and from practical view focusing on real-life examples from Czech banking and non-bank providers. The main focus of analysis is to determine the impact of credit parameters on the APRC. Considerable portion of the thesis is dedicated to a specific area of consumer loans, microcredits. Even here the primary aim is the regulation of microcredits, the providers participating in the administration of microcredits and the calculation of the impact of principal, maturity and costs of credit on the APRC.

This thesis deals with the use of the social Networks for Competitive Intelligence theme in Provident Financial. The main objective of this thesis is to propose the set of recommendations for the effective use of social networking of the company. The recommendations are based on the analysis made for use of social networking by the competitors. The first part of the thesis deals with the issue of the social networking and competitive intelligence. The theoretical part of the thesis explains the social Networks concept and presents the selected Czech and World social Networks and explains the CI concept. The practical part of the thesis presents Provident Financial, the current condition of social networking and company CI. The main competitors are analyzed by the social networking activities. This analysis of the competitors is summarized into one report containing the benchmark ratings. The results of the benchmarking serve as a basis for the set of recommendations for the effective use of social networking of Provident Financial.

I dagens samhälle sporras konsumenter till att konsumera mer och mer. En anledning till att konsumenter idag konsumerar mer än tidigare är att pengar idag är mer lättillgängliga än de tidigare varit. Det har lett till att fler tar konsumtionslån, vilket är en riskfylld affär för de banker som bistår konsumenter med lån. Bankerna utsätts för en kreditrisk i samband med att de beviljat ett lån utan säkerhet. Författarna till den här studien har ett stort intresse inom ekonomi och konsumtion och således upptäcktes även intresset för riskerna som bankerna står inför i de här sammanhangen. Studiens författare uppmärksammade att det fanns en ytterst begränsad mängd tidigare forskning inom ämnet och önskade därmed att fylla den identifierade kunskapsluckan. Studien syftade att besvara vilka faktorer svenska banker beaktar vid en kreditbedömning och hur en sådan utförs för konsumtionslån. Utöver det syftade studien även att besvara hur bankerna bedömt de risker de utsätts för i samband med konsumtionslån, hur riskerna påverkade bankernas riskstrategier samt hur bankerna beaktade konsumenternas beteende i riskbedömningarna. Studien utfördes med en kvalitativ metod. Teori samlades in och bearbetades från 18 vetenskapligt granskade artiklar. Sju semistrukturerade intervjuer med sju olika svenska banker utfördes. Intervjupersonerna valdes ut baserat på den kunskap och erfarenhet de besatt inom kredit och riskbedömning. Således hade de intervjuade roller i form av kreditchefer, kontorschefer, kreditspecialister och senior credit riskmanager. De intervjuade bankerna valdes ut i vetskap om att de representerar olika delar av marknaden, vilket skapade en större variation och bredd i det insamlade datamaterialet. Således intervjuades storbanker, medelstora banker och nischbanker. Av studien har det framkommit att de främsta faktorerna bankerna tog hänsyn till vid en kreditbedömning, var kundens inkomst och återbetalningsförmåga. I studien visade det sig även att bankerna identifierade kundens vilja och förmåga att återbetala ett lån, som de största riskerna som bankerna möts av. Bankerna tog även hänsyn till kunders beteende, dock i olika utsträckning, vid riskbedömningarna. Bankerna tillämpade olika typer av riskklassificeringsmodeller som riskbedömningen och räntenivån baserades på. Det skilde sig mellan bankerna i huruvida de såg konsumtionslån som lönsamma. Dock ansåg de flesta bankerna att konsumtionslån inte var den mest lönsamma låneprodukten. / In today's society consumers are regularly encouraged to consume more and more. One reason that people today consume more than people used to are that money nowadays are more easily accessible than they were before. This has led to more people applying for unsecured smaller loans, which is a risky business for banks that grants these kinds of loans. The banks put themselves in risk of consumers not being able to pay them back when they grant unsecured loans. This papers authors have an interest in both economy and consumption and therefor also discovered an interest in the risks that banks put themselves in when granting unsecured loans. The authors discovered that there was a limited amount of earlier research available on the subject. An aim for this paper therefore was to identify which factors the banks consider when assessing a credit loan application and how the bank make the assessments. Furthermore, this paper aims to identify the risks that the banks put themselves in when granting this kind of loan, how the risks affect the banks risk strategies and how the banks take in consideration consumers behaviour when the banks make their risk assessments. This paper was conducted by a qualitative method. Theory was assembled from 18 peer reviewed articles. Seven semi structured interviews where held with representatives from seven different Swedish banks. The persons being interviewed where chosen based on the knowledge and experience they possessed in credit and risk assessment. Therefore, the people that were asked to take part in the interviews worked as credit managers, office managers and credit risk managers. The banks that contributed with an interview where chosen with knowledge that they would represent different parts of the market, wishing to create a bigger variation and a depth in the data material. The interviewed persons represented bigger banks, medium sized banks and nichebanks. In the empiricism the study shows that the main factors that banks consider when they assess these kinds of loans are the customers income and assessed ability to repay the loans. The banks identified both the customers' ability and their will to repay the loan, as the biggest risk they faced. They also considered how customers behave. The study shows that banks applied different kinds of risk scoring models that they based the risk assessment and interest rate on. From the study it shows that banks differ in their view on whether these types of loans are profitable, although most of the banks did not consider them to be profitable

The issue of the submitted diploma thesis is loans and their consequences and the way it is discussed in financial education in lower-secondary school and corresponding years of grammar school in the Czech Republic. In detail, the thesis focuses on the issue of loans and social issues they are resulting into as indebtness or execution. In the first part, the reader is introduced to the selected issue from the point of view of social sciences and humanities. These are economy, law, sociology and psychology. In each chapter, loans and their consequences are discussed from various points of view and in various contexts. By blending the approaches of all four sciences, the thesis offers a comprehensive view of the researched topic. The second part of the thesis is then focused on the connection of loans and financial education in civic education lessons. The fifth chapter is the analysis of how the topic is embodied in school curriculum and in the current educational system of financial education in lower-secondary school and corresponding years of grammar school. Besides strategic documents, selected handbooks and other options of educating children are discussed. The analysis of this topic in currently accredited textbooks of civic education is also involved in this part. The content of these...

This diploma thesis focuses on the assessment of financial resources for the acquisition of real estate. Specifically, the thesis deals with the issue of purchasing an apartment using a mortgage loan. In this case, the investor is a young married couple. The diploma thesis consists of two parts. The theoretical part deals with housing, the real estate market, real estate valuation and real estate financing sources in its chapters. The practical part primarily focuses on the choice of the banking institution, which will provide the couple with a mortgage loan, and also the banking institutions, which will provide the consumer with a consumer credit for financing the remaining necessary amount of the flat price.