Hazardní chování klientů a rozhodování bank při poskytování úvěrů

Abstract

This bachelor thesis focuses on gambling behavior of clients and the decision-making of banks in the process of providing loans. The theoretical part of the thesis deals with the banking sector, bank lending activities, credit risk, and issues related to gambling behavior. The practical part is based on a questionnaire survey conducted among respondents and analyzes their experience with gambling, financial behavior, and awareness of the possible impact of gambling-related transactions on creditworthiness assessment. The thesis also includes the verification of established hypotheses and the analysis of selected relationships between individual variables. The results suggest that most respondents are aware of the possible impact of gambling behavior on obtaining a loan and that a higher level of awareness may influence their financial decision-making.