Vývoj zadluženosti domácností v České republice

This bachelor’s thesis provides a comprehensive analysis of the development of household indebtedness in the Czech Republic between 2018 and 2023. The main focus of this work is to evaluate the stability and sustainability of household debt during major macroeconomic shocks, such as the COVID-19 pandemic and the subsequent energy crisis associated with high inflation. The theoretical part defines fundamental economic concepts, forms of credit products, and factors that impact demand for credit. The practical part is based on a comparative analysis of the Czech Republic with selected European economies, such as Germany, France, and Denmark, to identify specific features of the domestic market through relative indebtedness indicators. Furthermore, the thesis examines the internal structure of debt in terms of maturity and loan security. Lastly, it focuses on assessing the connection between the structure of the debt portfolio and the risk of household default, which is measured through the share of non-performing loans and regional statistics of execution proceedings in the Czech Republic. To achieve the goals, the descriptive method, international and domestic comparison, horizontal and vertical analysis of financial indicators, and a regional case study focusing on the specifics of the Czech credit market are applied.