Analýza podmínek poskytování úvěrových produktů u vybraných bankovních a nebankovních institucí

Abstract

The topic of the dissertation is the problems of consumer credits provided by bank financial institutions as well as non-banking financial institutions in relation to financial literacy and indebtedness of Czech citizens. This work defines basic theoretical concepts and presents products provided by various financial companies. The theoretical part contains presentations of ten of the above mentioned companies followed by the description of their products covering consumer credits and loans. The second part of the dissertation is focused on the analysis of offers given by various financial institutions. Each of the offers includes simulations of several loan variants, comparisons of APR and the level of monthly payments, interest rates etc. It is the model situations that are essential to the part. They serve as a basis for searching for the best financial offer provided by both bank financial and non-banking financial institutions. As a matter of interest, at the end of this part there is the best offer provided by a non-banking financial institution compared to the worst offer provided by a bank financial institution. The final part of the dissertation deals with the survey analysis whose main aim is to find out financial literacy as well as indebtedness of Czech citizens. The survey is based on questions that should reveal what parameters are crucial for the respondent when deciding on convenience of a loan or credit. Further important questions inform about the items that a respondent would borrow or would never borrow money for.