Problematika osobního bankrotu a finanční vzdělávání jako jedna z možností jeho prevence

Abstract

This thesis focuses on the issue of personal bankruptcy, respectively. debt relief, as one of the possible solutions to the financial problems of most individuals in the Czech Republic. Since the beginning of this institute have passed more than 7 years, and therefore can no longer analyze the use of debt relief for this period in practice, whether in terms of current debtors and their creditors in debt relief, or those who have already gone through the entire process and can begin their lives again without debt. Using these analyzes of different samples of borrowers to determine what their average amount recognized debt level of satisfaction of the creditors over a debt relief at the end, the actual composition of creditors divided into banking, non-banking and the public sector, etc. The last part of the thesis examines the level of financial literacy of pupils Czech students at elementary, middle and high schools, as one of the possible preventive measures against financial problems and subsequent reduction of debt.