Ochrana spotřebitele při čerpání spotřebitelských úvěrů

Abstract

The goal of bachelor thesis is business conditions analysis of two selected institutions (banking and non-banking) when negotiating consumer credits. Thesis is focused to consumer benefits. Institutions are chosen on internet questionnaire base which was prepared especially for this thesis. In the first half of the thesis there is a description of general conditions of consumer credit negotiation according to law, consumer and creditor rights and obligations, characteristics of supervisory institutions including out-of-court disputes. Practical part of the thesis is concerned to comparison of banking and non-banking institution according to predefined conditions. Those conditions were set to have a good revealing ability. The aim of the comparison is to determine which institution is more advantageous for consumer. Information is displayed in the table in the same order to see the results at first sight. The last part of the thesis shows the results of internet questionnaire which were used not only to chose two institutions for practical part but also for analysis of public opinion in consumer credits area.