Browsing by Author "Křivohlávek, Václav"
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- ItemAnalýza důchodového systému České republiky a změna náhradového poměru při využití opt-out principu(Technická Univerzita v Liberci, 2009) Öhm, Jan; Křivohlávek, VáclavThe thesis is focused on rigorous analysis of economic and social factors which affect the welfare of pensioners. The objective of the thesis is to describe and quantify these factors in a context of prepared reforms and external globalised world. The first part describes the concept of welfare state as a product of social progress and considers a development of human rights during a history. The next part is dedicated to the description of economic and social factors which affect a pension system. An analysis solving the impact of opt-out principle on the Czech pension system is described in the fourth chapter. The created model allows flexible usage of particular parameter and answers the initial questions. The final chapter offers the possible solution based on the outputs of the analysis.
- ItemAnalýza výkonnosti penzijních fondů(Technická Univerzita v Liberci, 2012) Faltusová, Lucie; Křivohlávek, VáclavThis diploma thesis is focused on the topic of Analysis of the Performance of Pension Funds. The goal of the thesis is to analyse chosen pension funds by ratio indicators and explain potential fluctuation in the given time series. The first part analyzes the current pension system of the Czech Republic, mainly focuses on pension additional insurance with the state benefit. The second part of thesis is focused on proposed pension reform that is going to be valid from January 2013. Then follow a comparison of current and proposed status in the frame of pension system. The last part of thesis deals with application of the ratios indicators to the reported financial data of individual pension funds, as a part of financial analysis. Detected anomalies are later emphasized in the line with the thesis´ goal and also clarified.
- ItemAtraktivita penzijního připojištění se státním příspěvkem se zaměřením na zaměstnavatele(Technická Univerzita v Liberci, 2008) Jon, Ondřej; Křivohlávek, VáclavThis diploma thesis deals with an interest of the employers about utilization of pension insurance with state contribution as an alternative instrument in compensation. It maps pension system in general and role which the employer plays. It situates pension insurance in the Czech pension system and it describes the chance of the employers how to participate. Above all the diploma thesis analyses the main arguments, why this insurance is attractive for firms. The high favour among Czech employers exists in granting a contribution to an employee´s pension insurance. This interest is caused by some advantages, which are examined in detail in separate chapters. The diploma thesis provides comprehensive look on pension insurance with state contribution from employer´s point of view. It tries to bring general instructions for the firms which are dealing with pension insurance.
- ItemAudit pojišťovnictví zaměřený na hospodaření penzijních fondů(Technická Univerzita v Liberci, 2007) Drtinová, Iveta; Křivohlávek, VáclavThe diploma is focused on {\clqq}Audit in Insurance Companies Regarding Pension Fund Management``. The aim is to prove whether audit belongs among system check modules, which should secure pension fund´s financial stability. The paper is divided into three parts. The first part briefly describes history of audit, its legislature and general characteristics; then also pension funds´ development, legislature and management. The second part focuses on audit´s technology, especially Liability Adequacy Testing, which is being done for recognizing whether the pension fund is able to settle the liabilities of additional insurance. If it is not so the fund must create future pension provision. This question is also supplied with an example. The final part discusses possibility of audit relating frauds. Pension funds oversight done by the central bank and by external auditors is examined here too.
- ItemDistribuční sítě v pojišťovnictví, jejich vývoj, analýza a aplikace na pojištění sportovců(Technická Univerzita v Liberci, 2011) Margolien, Michael; Křivohlávek, VáclavThe subject of the thesis "Distribution Networks in Insurance, their Development, Analysis and Application to Insurance of Athletes" is the analysis of distribution channels in the insurance market of the Czech Republic, Europe and worldwide. The thesis particularly aims at sales channels that are used in relation to insurance of athletes. At first, distribution channels are analysed separately. The thesis further looks at the kinds of insurance used to cover athletes. In the following part, the work focuses on the types of insurance used within the Czech Republic to cover liability of school institutions for injuries of pupils and students. Subsequently, the insurance of professional and non-professional athletes is dealt with. The thesis presents the comparison of a number of particular insurance products of individual insurance companies and provides examples of athlete insurance. Finally, the thesis suggests solutions to the system, as well as proposes the very particular solution of the issue both as a whole and its individual parts.
- ItemDůchodová reforma na Slovensku v kontextu připravovaných změn v České republice(Technická Univerzita v Liberci, 2009) Macoun, Lukáš; Křivohlávek, VáclavTato diplomová práce se zabývá důchodovými systémy v České a Slovenské republice. První část se zabývá teoretickým vymezením důchodových systémů, jejich financováním a typy nejběžnějších penzijních plánů. V druhé části jsou přiblíženy stanoviska světových institucí - Světové banky, OECD a LOI. Dále dochází ke komparaci prvních pilířů důchodového systému u nás a na Slovensku. Práce se také zabývá návrhem důchodové reformy v kontextu s již existujícím důchodovým systémem na Slovensku. V závěrečné kapitole hodnotím na základě získaných výstupů z provedené analýzy přístup k plánované reformě v České republice.
- ItemLikvidace škod z pojistných událostí(Technická Univerzita v Liberci, 2007) Dyrcová, Tereza; Křivohlávek, VáclavMy final thesis is divided into two main parts. The first one is about investigations necessary to ascertain the extent of the duty of the insurance undertaking to provide compensation from the insurance cover concluded. Special attention is paid to the motor third-party liability insurance that protects us against financial loss if we have an accident. This insurance is obligatory - in other words every state requires you to have motor liability insurance; each person who is liable for damage caused by the operation of a vehicle specified in an insurance contract shall apply to. The main purpose is to protect other drivers against damages to their vehicles, lives or health Of course there some damages that the insurer shall not compensate or can have the right against the insured to get a refund for the sum he had already paid out on condition that he proves that you as the insured caused the damage under some specified circumstances. The subject of second part is technical reserves. This part is connected with the first one because the insurer must make reserves to be able to provide insurance benefits I make use of some statistical methods to prove how important is to calculate these reserves because wrong calculation means that insurance company not to be able to meet its engagements and go bankrupt. Also insurance fraud is included as a factor that can markedly influence not ony insurance benefits but also solvency of the insurer. In brief it is the conduct of a person who intentionally gives false or grossly distorted information or omits important facts that are very important and can affect the existence of insurance contract, insurance rate, and period of insurance or insurance benefit. For this reason, the insurers must develop strategies to counter such crimes by taking preventative measures Insurance fraud may take many concrete forms - I mention once again insurance fraud in connection with the motor third-party liability insurance as the most frequent.
- ItemOtázky vývoje tkací techniky se zřetelem k procesu tvorby tkaniny(Technická Univerzita v Liberci, ) Křivohlávek, Václav
- ItemPojištění odpovědnosti za škodu způsobenou provozem vozidla z hlediska schopnosti pojistitele plnit své závazky(Technická Univerzita v Liberci, 2008) Limberková, Lucie; Křivohlávek, VáclavThe objective of this diploma paper is to prove the significance of the legislative increase of the insurance compensation limit for damages on articles and the lost profit for creation of reserves for insurance benefits. To achieve this objective, the Chain-Ladder method will be used on a chosen set of data. The first chapter is devoted to motor third party liability insurance, legal development and the Czech Insurers´ Bureau. The second chapter includes an analysis of the motor third party liability insurance market and no claim discount. The third chapter outlines the influence of third party liability insurance on the economic performance of an insurance company (assessment of insurance premium and segmentation in the motor third party liability insurance ) and above all describes technical reserves, which are created by a non-life insurance company. The last chapter includes a calculation of provisions for outstanding claims for situations before and after Directive 2005/14/EC of the European Parliament and the Council was taken into account.
- ItemPojistné podvody(Technická Univerzita v Liberci, 2011) Šturmová, Veronika; Křivohlávek, VáclavThis diploma thesis introduces the issue of insurance fraud in the Czech Republic. The insurance fraud is defined in terms of criminal law and is compared with the previous legislation of insurance fraud. In this thesis are also mentioned other legal facts that are linked to the insurance fraud. Attention is paid to the description of cases of the insurance fraud in the particular insurance segments. In this thesis is analyzed and evaluated the present status of the insurance frauds based on the statistics of specialized insurance divisions engaged in detecting the crime of insurance fraud, and authorities active in criminal proceedings. Part of the text brings in registers in banking and non-banking sectors that can serve as an inspiration for the insurance sector because they accomplish their requirements effectively and at the same time have some attributes in common. The objective of this thesis is to propose a solution that would result in a higher detection of insurance fraud.
- ItemPojistný podvod a důsledky, které jsou s ním spojeny pro pojistníky a pojistitele(Technická Univerzita v Liberci, 2009) Kobík valihorová, Andrea; Křivohlávek, VáclavThe Diploma thesis states to the issue of insurance fraud in the Czech Republic. Insurance fraud is defined in terms of criminal law and are described its causes and consequences. The attention is also paid to the area of prevention against insurance fraud, fraud management and entities that are involved in solving this crime. In this work is analyzed and evaluated the current state of insurance fraud based on the statistics of law enforcement and special services of insurance companies that deal with the detection of insurance frauds. An important part of the text is an area devoted to the introduction of the registry of claims on the Czech insurance market. In this context, it is explained the operation of credit registers in the banking, because the registers should work on the same principle. The main aim of the practical part is to design the most appropriate solution for the detection of insurance frauds.
- ItemSyntéza vodicího mechanismu člunku tkacího stavuKřivohlávek, Václav
- ItemVývoj penzijního připojištění a prognóza vývoje v důsledku demografických změn populace v ČR.(Technická Univerzita v Liberci, 2007) Felcmanová, Šárka; Křivohlávek, VáclavThe aim of my diploma work is an analysis of contemporary state in system of pensionary supplementary insurance with state contribution in The Czech Republic and above all to make a forest of development pens{\"\i}onary supplementary insurance in consequence demographics situation in The Czech Republic. Last but not least the diploma work has remit to importance of supplementary methods safeguard on old age, then specialy of pensionable supplementary insurance with state contribution, which seats key position in this area. All diploma work is divided into six capitol. The first three capitols are devoted analysis of contemporary state pensionable system in The Czech Republic, position pensionary supplementary insurance with state contribution and the demographics situation in The Czech Republic. Filling the fourth capitol is demographics projection whose analysis is effected on the basic second-hand results from the demographics prognosis,which was effected by specialists from areas demography in the year 2002. The fifth and sixth capitols are directly fixate on the prognosis two basic rating of pensionary supplementary insurance by the help of extrapolation time order, which was make by corresponding statistic software and also on the projection future position the system of pensionary supplementary insurance. Result of these forecast is presumption growing of the number of participants pensionary supplementary insurance and above all presumption penetrative growth average moon´s benefit from participants pensionary supplementary insurance with state contribution. From the demographics projection follows necessity repair supplemental system safeguard on old age where the pensionary supplementary insurance has key position.
- ItemŽivotní pojištění a penzijní připojištění jako prostředek zabezpečení osob v postproduktivním věku(Technická Univerzita v Liberci, 2008) Horká, Magdaléna; Křivohlávek, VáclavPředkládaná diplomová práce se zabývá problematikou důchodového systému České republiky, nutností jeho reformy a alternativními možnostmi zabezpečení na stáří. Cílem práce je najít odpověď na otázku, zda dokáže penzijní připojištění a životní pojištění významně pomoci k zajištění finanční nezávislosti budoucích seniorů. Nejprve je charakterizován důchodový systém České republiky zejména pak jeho třetí doplňkový pilíř, který je tvořen životním pojištěním a penzijním připojištěním. Po analýze těchto produktů a analýze trhu životního pojištění a penzijního připojištění se práce zabývá posouzením dostatečnosti soukromého individuálního zabezpečení na stáří při definovaných základních parametrech modelového příkladu. Modelový příklad je postupně měněn a rozšiřován o nové parametry, které vycházejí z aktuálního návrhu penzijní reformy, který je zveřejněn Ministerstvem práce a sociálních věcí. V závěru práce jsou výsledy modelového příkladu analyzovány a vyhodnoceny.