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Analýza ukazatele RPSN u spotřebitelských úvěrů / The analysis of the APR indicator on the consumer credit

This thesis deals with the analysis of the annual percentage rate (APR) and other key parameters of the consumer credit with regard to observance of the legal rules by major providers of the consumer credit on the Czech credit market. The first part deals with the economic implications of the consumer credit. It focuses mainly on the analysis of the indebtedness of Czech households on the consumer credit market. The second part deals with the legal implications of consumer credit, mainly legal requirements that are imposed on providers of the consumer credit. The third part provides the analysis of the APR indicator on the consumer credit and on the short-term loans. On the basis of the defined consumer credit models is provided the comparison of the APR for each credit both in terms of its compliance with the current legislation and in terms of the provider of the consumer credit. The final part deals with the specific recommendations for the financial literacy development and for the future legislative development.

Identiferoai:union.ndltd.org:nusl.cz/oai:invenio.nusl.cz:136261
Date January 2012
CreatorsMuzikář, Martin
ContributorsRadová, Jarmila, Coufal, Libor
PublisherVysoká škola ekonomická v Praze
Source SetsCzech ETDs
LanguageCzech
Detected LanguageEnglish
Typeinfo:eu-repo/semantics/masterThesis
Rightsinfo:eu-repo/semantics/restrictedAccess

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