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SELECTING SUITABLE BUILDING SAVINGS FOR THE CLIENT IN THE CZECH REPUBLIC USING A MULTI-CRITERIA EVALUATION PROCEDURE

100%
Borovička A.
Ekonomický časopis (Journal of Economics)
|
2021
|
vol. 69
|
issue 2
180 – 203
EN
Recently, the popularity of building savings has grown. Many people thus are faced with selecting a suitable product. Unfortunately, most clients sign a contract with the bank holding their current account and/or other products. In this simplified manner of choosing, customer’s preferences are often unnecessarily suppressed. To eliminate this, or to select the building savings most appropriate to customer’s needs, a complex user-friendly multi-criteria evaluation procedure is proposed. This approach can consider, as opposed to other well-known methods, all requirements and conditions of a building savings selection. The application power of the proposed concept is illustrated using real situations that can occur on the Czech market. Two most frequent types of client are specified (primarily oriented to a deposit return, and getting a loan). Besides “standard” situations, some more specific cases (a non-traditional savings period of nine years, or building savings for children) are also studied in order to have a greater impact of study to the practice with this product. For each savings strategy, the most suitable building savings is selected. Subsequently, the results are compared and analysed.
2

HODNOCENÍ STÁTNÍ PODPORY STAVEBNÍHO SPOŘENÍ: DOPAD NA ÚSPORY A PŘÍJMOVOU NEROVNOST

61%
Dušek L., Janský P.
Ekonomický časopis (Journal of Economics)
|
2012
|
vol. 60
|
issue 10
991 – 1004
EN
We evaluate the extent in which the building savings subsidies, a large spending program of the Czech government, achieves one of its stated goals, i.e., to promote savings of the Czech households. Using household-level survey of investment and saving behaviour, we identify households that are apparently unaffected in their level of savings by the building savings subsidies. At least 44% of the total spending on the subsidy is received by households whose savings are unaffected, and in fact 9.6% of the total spending on the subsidy effectively subsidizes borrowing instead of savings. We identify at most 19% of households whose level of savings may be increased because of the subsidy. We also evaluate the distributional impacts of the building savings subsidies. They are regressive overall, especially for the poorest quartile of the Czech households.
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