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The subject of this bachelor thesis is based on the analysis of the consumer credit market in the Czech Republic and the comparison of non-bank consumer credit providers and their products, to identify the impacts of these changes on providers and consumers and subsequently formulate recommendations for loan applicants. The thesis also identifies significant legislative and regulatory changes in the consumer loan market and impacts on bank and non-bank consumer credit providers, mainly caused by Act No. 257/2016 Coll. on consumer credit. On the basis of these changes are answered the research questions, which address improving the position of consumers and increase the quality of non-bank providers. The thesis analyzes the loan market for consumers in the Czech Republic in 2007 to 2016. In the application section, individual non-bank consumer credit providers are divided into credible and not credible providers based on analysis and evaluation according to specified criteria. |
