Zajištění závazků v bankovní praxi

Abstract

Every business bears the risk. As well as, when providing funds it may happen that the debtor does not meet his engagements whether wittingly or for other reasons. However, the creditor disposes of an instrument by means of which it can prevent loss caused by the non-payment of provided money or other funds. In particular, the creditor is entitled to secure the debt by virtue of some of security instruments (or by their combination). The objective of this thesis was to compare particular types of security instruments, to evaluate whether particular types of security meet their purpose in practice and to assess which security instrument may be considered to be “the best” on side of the creditor. The thesis consists of three separate chapters, which are further thematically divided, in addition to an introduction and conclusion. The thesis starts with an introduction, and then a chapter explaining basic concepts relating to the described security problems follows. In my opinion, the highest quality security instrument is a bank guarantee and a lien. Furthermore, the thesis deals with the application of particular security instruments in the bank practice; as an example Komerční banka a.s. has been used. In addition, I attended to the investigation and analysis of the awareness of security instruments between the users and employers of the Komerční banka a.s. via a questionnaire.