Studentský úvěr, jako nový úvěrový produkt

This bachelor’s thesis focuses on the design of a student loan model as a new loan product on the Czech financial market. The thesis is based on an analysis of the financial situation of university students in the Czech Republic, where higher education at public universities is formally tuition-free, yet living expenses represent a significant financial burden. At the same time, the thesis highlights the limited scope of existing state support and the absence of a specialized system for financing students’ living costs. After defining the theoretical framework of consumer lending, credit risk, and tertiary education financing, the thesis compares selected foreign models of student loan systems. Subsequently, a questionnaire survey conducted among university students is used to analyse the potential demand for a student loan product and the preferences of the target group regarding its design. The findings then serve as the basis for the proposal of a student loan product suitable for the Czech market environment. The following part of the thesis proposes two variants of institutional arrangements for the student loan system, which are subsequently analysed from the perspective of product functioning, the role of the state, credit risk, and fiscal impacts. The thesis also includes a model pricing framework based on the principle of risk based pricing and a comparison of the economic implications of the proposed financing variants. The thesis therefore points to a potential space for the introduction of a specialized student loan product in the Czech financial market.