Minimalizace rizika v obchodních vztazích

Abstract: The aim of the practical part is to compare the availability of data and information about corporate subjects that can be used for the credit risk mitigation in selected European countries -- Czech and Slovak Republic, Sweden and Germany. This comparison is performed on the basis of comparative analysis on the defined scope of data types significant for risk mitigation and their essential characteristics. The outcome from the comparative analysis of the particular countries are recommended remedies for Czech Republic aimed at enhancement of the credit risk data coverage and availability in order to increase the change of credit risk prediction. One part of the comparative analysis is also the examination of the hypothesis, whether the higher availability and coverage of credit risk data enables better credit risk prediction in particular countries a thus increase the transparency of the corporate environment. This hypothesis is tested as a quality comparison of the corporate scoring models, whereas these models are created on the basis of unified processes and procedures of the company Bisnode. The theoretical part of the thesis describes essential ideas and concepts of risk mitigation, in order to outline the basic context of the topic. Thus in particular the risk perception, credit risk, risk classification and quantification, credit risk mitigation methods in corporate environment, information value, scoring models and quantification of their predictive power.