Analýza zadluženosti domácností v ČR a její dopad na finanční stabilitu bankovního sektoru

Abstract

The Diploma thesis analyzes an indebtedness of Czech households and refers to possible consequences resulting from this indebtedness. Those consequences might strongly affect a stability of the bank sector. The whole diploma thesis is divided into six chapters. In the theoretical part, the characteristics of a credit market and bank plus non-bank agents are provided. As well as risks associated with indebting of households are defined. Next, the separate types of credit products as same as a progress related to the indebtedness of Czech households are described. The third chapter is dedicated to factors influencing the indebtedness of households. Especially those factors are the unemployment, GDP, the inflation, interest rates, the level of the average monthly wage and the final consumption of households. In the fourth chapter an exercise testing of those factors is realized. In the conclusion, the consequences of the indebtedness of households and their impact into the bank system stability are evaluated.