[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.spero.cz\/neopravneny-strach-z-bankovniho-systemu\/#Article","mainEntityOfPage":"https:\/\/www.spero.cz\/neopravneny-strach-z-bankovniho-systemu\/","headline":"Neopr\u00e1vn\u011bn\u00fd strach z bankovn\u00edho syst\u00e9mu","name":"Neopr\u00e1vn\u011bn\u00fd strach z bankovn\u00edho syst\u00e9mu","description":"Pokud m\u00e1me p\u0159ebytek pen\u011bz p\u0159em\u00fd\u0161l\u00edme, co s nimi. Jsou to voln\u00e9 prost\u0159edky, kter\u00e9 by se p\u0159eci jen mohly zhodnocovat. To vedlo ke vzniku jedinc\u016f, kte\u0159\u00ed ukl\u00e1dali a za mal\u00fd poplatek p\u016fj\u010dovali pen\u00edze. Z t\u011bchto jedinc\u016f do\u0161lo ke vzniku seskupen\u00ed a organizac\u00ed. N\u00e1sledn\u00e1 transformace vedl ke vzniku bank a bankovn\u00edch spole\u010dnost\u00ed,","datePublished":"2018-06-27","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.spero.cz\/author\/#Person","name":"","url":"https:\/\/www.spero.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/383247cd769f7ac317a5bcda943ec48a3c79d996598ae4564ec21a0e178126d1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/383247cd769f7ac317a5bcda943ec48a3c79d996598ae4564ec21a0e178126d1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"spero.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.spero.cz\/wp-content\/uploads\/img_a321695_w2340_t1532932680.jpg","url":"https:\/\/www.spero.cz\/wp-content\/uploads\/img_a321695_w2340_t1532932680.jpg","height":0,"width":0},"url":"https:\/\/www.spero.cz\/neopravneny-strach-z-bankovniho-systemu\/","wordCount":400,"articleBody":"Pokud m\u00e1me p\u0159ebytek pen\u011bz p\u0159em\u00fd\u0161l\u00edme, co s nimi. Jsou to voln\u00e9 prost\u0159edky, kter\u00e9 by se p\u0159eci jen mohly zhodnocovat. To vedlo ke vzniku jedinc\u016f, kte\u0159\u00ed ukl\u00e1dali a za mal\u00fd poplatek p\u016fj\u010dovali pen\u00edze. Z t\u011bchto jedinc\u016f do\u0161lo ke vzniku seskupen\u00ed a organizac\u00ed. N\u00e1sledn\u00e1 transformace vedl ke vzniku bank a bankovn\u00edch spole\u010dnost\u00ed, kter\u00e9 poskytuj\u00ed nejr\u016fzn\u011bj\u0161\u00ed slu\u017eby . D\u00edky historii pro\u0161la ekonomika n\u011bkolika zm\u011bnami, kter\u00e9 se t\u00fdkaj\u00ed i bankovn\u00edho sektoru. M\u016f\u017eeme se z nich pou\u010dit a dov\u011bd\u011bt se n\u011bco o bankovnictv\u00ed. Bankovnictv\u00ed m\u016f\u017eeme tedy d\u011blit na dva styly \u0159\u00edzen\u00ed. \u00b7 Jednosektorov\u00fd \u2013 tento styl veden\u00ed jist\u011b v\u0161ichni zn\u00e1me z minul\u00e9ho re\u017eimu. Je to zp\u016fsob, kdy je cel\u00fd bankovn\u00ed sektor \u0159\u00edzen centr\u00e1ln\u011b st\u00e1tem. P\u016fj\u010dky, \u00fav\u011bry i hypot\u00e9ky. To v\u0161e je v rukou st\u00e1tu. Proto tak\u00e9 do\u0161lo ke vzniku p\u016fj\u010dek, kter\u00e9 byly zp\u011btn\u00e9 nevymahateln\u00e9 a zp\u011btn\u011b zdevastovaly ekonomiku \u010cR. \u00b7 Dvousektorov\u00fd \u2013 styl dvousektorov\u00fd je zn\u00e1m v dne\u0161n\u00ed dob\u011b. Funguje jak\u00e1si \u0159\u00edd\u00edc\u00ed instituce v na\u0161em p\u0159\u00edpad\u011b je to \u010cNB tedy centr\u00e1ln\u00ed banka. Ta ud\u00e1v\u00e1 limity a pokyny, kter\u00fdmi se mus\u00ed druho\u0159ad\u00e9 instituce \u2013 komer\u010dn\u00ed banky \u0159\u00eddit. Banky tedy podl\u00e9haj\u00ed pokyn\u016fm \u010cNB tu \u0159\u00edd\u00ed bankovn\u00ed rada v \u010dele s guvern\u00e9rem. Ta ov\u0161em op\u011bt podl\u00e9h\u00e1 po\u017eadavk\u016fm vl\u00e1dy. Slu\u017eby bank se zam\u011b\u0159uj\u00ed na dva okruhy klient\u016f. \u00b7 Retail \u2013 v r\u00e1mci retailu se m\u016f\u017eeme bavit o m\u00e9n\u011b bohat\u00fdch klientech jedn\u00e1 se tedy o \u0159adov\u00e9 ob\u010dany. \u00b7 Korpor\u00e1t \u2013 tento sektor disponuje n\u011bkolika milionov\u00fdmi \u00fa\u010dty a jde hlavn\u011b o bankovn\u00ed spr\u00e1vu firem. V r\u00e1mci zam\u011b\u0159en\u00ed na klienty je poskytov\u00e1no hlavn\u011b: \u00b7 veden\u00ed \u00fa\u010dtu zdarma \u00b7 minim\u00e1ln\u00ed poplatky za kartu \u00b7 nulov\u00e9 poplatky za zalo\u017een\u00ed \u00fa\u010dtu \u00b7 t\u0159i v\u00fdb\u011bry m\u011bs\u00ed\u010dn\u011b zdarma apod. Se zam\u011b\u0159en\u00edm na korpor\u00e1t se jedn\u00e1 o slu\u017eby typu, poskytov\u00e1n\u00ed \u00fav\u011br\u016f, kryt\u00ed rizika, eskont sm\u011bnek Ve\u0161ker\u00fd strach z bank pramen\u00ed z finan\u010dn\u00ed negramotnosti a \u0161ance, \u017ee propadneme \u00fav\u011brov\u00e9 pasti. Dnes je v\u0161ak a\u0165 u\u017e na pobo\u010dk\u00e1ch banko nebo na internetu spoustu renomovan\u00fdch odborn\u00edk\u016f.                                                                                                                                                                                                                                                                                                                                                                                         4\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Neopr\u00e1vn\u011bn\u00fd strach z bankovn\u00edho syst\u00e9mu","item":"https:\/\/www.spero.cz\/neopravneny-strach-z-bankovniho-systemu\/#breadcrumbitem"}]}]