Vícekriteriální výběr bankovních úvěrů pro studenty

Abstract

The purpose of my bachelor project is multiple attribute selection of credits offered to students by selected financial institutions in the Czech banking market. It is an analysis how to finance the expenses while studying or how to cover tuition fee which the government intends to introduced in the future. For the sake of lucidity the project is divide into four chapters. The second chapter describes bank products from theoretical point of view with focus on active bank products for students and their categories. The second chapter also describes the rules of loan providing, possibilities of loan repayments, loan agreement requisites and interest rates. The third chapter includes the offer of selected banks (Komerční banka, České spořitelna, Československá obchodní banka and its division Poštovní spořitelna). This chapter also includes an analysis of bank loans supported by score method. In the forth chapter a comparison of individual variants has been done and the finding is that the most favourable loan, which students could take, is the product of Pošťovní spořitelna (Post Savings Bank) called Účelový úvěr na vzdělání (Functional loan for education).