Analýza zadluženosti domácností v České republice
Title Alternative:Analysis of Indebtedness of Households in the Czech Republic.
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Date
2009
Authors
Journal Title
Journal ISSN
Volume Title
Publisher
Technická Univerzita v Liberci
Abstract
Ve své diplomové práci se zabývám problematikou zadlužování českých domácností, která se stále zvyšuje. Práce je rozdělena do čtyř kapitol, z nichž tři jsou teoretické a poslední, čtvrtá kapitola, obsahuje případovou studii na dané téma. V první a druhé kapitole se věnuji především vývoji zadluženosti českých domácností, situaci na trhu úvěrových produktů a rizikům zadluženosti. Druhá kapitola obsahuje rovněž výklad pojmů, které se zadlužeností domácností souvisejí. Dále se zde zabývám charakteristikou dluhů a otázkou pomoci zadluženým domácnostem. Třetí kapitola popisuje spotřebu domácností a nabídku bankovních spotřebitelských produktů. Zabývám se zde také právní úpravou této oblasti v České republice a úvěrovým procesem. V závěru třetí kapitoly je uveden rovněž popis vybraných produktů konkrétních bankovních institucí. Poslední kapitola obsahuje případovou studii - modelovou tvorbu rodinného rozpočtu a analýzu příjmů a výdajů. Je zde uvedeno také porovnání jednotlivých bankovních produktů.
In my thesis I´m concerned with the problems of the indebtedness of households in the Czech Republic, which is continuously increasing. My thesis is divided into four parts. Three of them are theoretical, the last one is practical and includes a case study on a given subject. In the first and the second part, the attention is paid to an indebtedness of the czech households, to the situation on the money-market with the loans and to the risks of an indebtedness. The second part includes also the interpretation of the definitions that relates to the indebtedness of czech households. I´m engaged in characterising of the debts and also in a question of help to the debitor households. The third chapter describes a consumption of the households and the offer of the bank consumers´ products. I´m concerned in the Czech legal regulations in this area and in the process of offering a debt, too. There is also describe of selected products of concrete bank institutions in the end of the third chapter. The last part contains a case study - a model creation of a family budget and an analysis of incomes and expenditures. There you can find also a comparison of some bank products.
In my thesis I´m concerned with the problems of the indebtedness of households in the Czech Republic, which is continuously increasing. My thesis is divided into four parts. Three of them are theoretical, the last one is practical and includes a case study on a given subject. In the first and the second part, the attention is paid to an indebtedness of the czech households, to the situation on the money-market with the loans and to the risks of an indebtedness. The second part includes also the interpretation of the definitions that relates to the indebtedness of czech households. I´m engaged in characterising of the debts and also in a question of help to the debitor households. The third chapter describes a consumption of the households and the offer of the bank consumers´ products. I´m concerned in the Czech legal regulations in this area and in the process of offering a debt, too. There is also describe of selected products of concrete bank institutions in the end of the third chapter. The last part contains a case study - a model creation of a family budget and an analysis of incomes and expenditures. There you can find also a comparison of some bank products.
Description
katedra: KFÚ; rozsah: 80 s., 17 s. příloh.
Subject(s)
analýza příjmů a výdajů, bankovní instituce, dluhová past, exekuce, hypoteční úvěr, lichva, nebankovní instituce, nízkopříjmová domácnost, riziko, rozpočet, spotřeba, spotřebitelský úvěr, úrok, úvěr, zadluženost, analysis of incomes and expenditures, bank institutions, debt-trap, execution, mortgage, credit, usury, non-bank institutions, low-income household, risk, budget, consumption, consumer loan, interest, credit, loan, indebtedness