Zhodnocení vlivu vybraných faktorů na vývoj úvěrů se selháním z kreditních karet v České republice

Abstract

The aim of the diploma thesis is to evaluate the impact of selected factors on the development of non-performing loans from the credit cards in the Czech Republic and to predict future development in this area. The thesis is divided into five chapters, the first one is devoted to the introduction and the fifth one to the conclusion of the thesis. There are described the issues of financial stability in the Czech Republic as well as the czech payment card market in the second chapter. The third chapter is devoted to the theoretical description of selected methods of econometric analysis. There is described an estimate of the linear regression model using the method of least squares in the third chapter. There is performed econometric modeling of the given problem in the fourth chapter which shows that economic situation in the country as well as regulation in the banking sector that secures financial stability have a significant influence on the development of non – performing loans.