[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.petos.cz\/slouzi-vam-penize-nebo-vas-ovladaji\/#Article","mainEntityOfPage":"https:\/\/www.petos.cz\/slouzi-vam-penize-nebo-vas-ovladaji\/","headline":"Slou\u017e\u00ed v\u00e1m pen\u00edze nebo v\u00e1s ovl\u00e1daj\u00ed?","name":"Slou\u017e\u00ed v\u00e1m pen\u00edze nebo v\u00e1s ovl\u00e1daj\u00ed?","description":"Zanedlouho p\u0159iv\u00edt\u00e1me nov\u00fd rok 2017 a\u00a0ka\u017ed\u00fd z\u00a0n\u00e1s si bude ur\u010dit\u011b p\u0159\u00e1t pevn\u00e9 zdrav\u00ed a\u00a0v\u00edce pen\u011bz. … ","datePublished":"2020-09-23","dateModified":"2023-05-30","author":{"@type":"Person","@id":"https:\/\/www.petos.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.petos.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/df9d3e7f7fe4622e291ec02ac46f5f76755ddc91019a65e783baee3892394402?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/df9d3e7f7fe4622e291ec02ac46f5f76755ddc91019a65e783baee3892394402?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"petos.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.petos.cz\/wp-content\/uploads\/art278157_3x2_20260611_190225_DcYgau.jpg","url":"https:\/\/www.petos.cz\/wp-content\/uploads\/art278157_3x2_20260611_190225_DcYgau.jpg","height":0,"width":0},"url":"https:\/\/www.petos.cz\/slouzi-vam-penize-nebo-vas-ovladaji\/","about":["Ekonomika"],"wordCount":601,"articleBody":"Zanedlouho p\u0159iv\u00edt\u00e1me nov\u00fd rok 2017 a\u00a0ka\u017ed\u00fd z\u00a0n\u00e1s si bude ur\u010dit\u011b p\u0159\u00e1t pevn\u00e9 zdrav\u00ed a\u00a0v\u00edce pen\u011bz. Zvl\u00e1\u0161\u0165 toto p\u0159\u00e1n\u00ed vyslov\u00ed ti, kdo t\u011bch korunek moc nem\u00e1. Je pravdiv\u00e9 p\u0159\u00edslov\u00ed, \u017ee \u201epen\u00edze jsou dobr\u00fdm sluhou, ale zl\u00fdm p\u00e1nem \u201e.\u00a0Ale nem\u011bli bychom zapom\u00ednat, \u017ee v\u0161e z\u00e1le\u017e\u00ed nejenom na tom, jak s\u00a0pen\u011bzmi hospoda\u0159\u00edte vy sami, ale jak\u00e9 budou v\u00a0p\u0159\u00ed\u0161t\u00edm roku finan\u010dn\u00ed slu\u017eby, kter\u00e9 se o\u00a0va\u0161e pen\u00edze budou starat a\u00a0jestli se t\u0159eba nebude m\u011bnit legislativa \u2013 v\u017edy\u0165 tu budeme m\u00edt zase nov\u00e9 volby. A\u00a0jedno s\u00a0druh\u00fdm souvis\u00ed.\u00a0V\u00a0nov\u00e9m roce b\u00fdvaj\u00ed obvykle zm\u011bny v\u00a0oblasti financ\u00ed. Jenom si stru\u010dn\u011b n\u011bco p\u0159ipomeneme. Je d\u016fle\u017eit\u00e9, aby v\u00a0ob\u011bhu bylo dostatek pen\u011bz. O\u00a0to se u\u00a0n\u00e1s star\u00e1 \u010cNB \u2013 to ona je centr\u00e1ln\u00ed banka, kter\u00e1 p\u016fsob\u00ed jako bank\u00e9\u0159 pro na\u0161i vl\u00e1du a\u00a0komer\u010dn\u00ed banky. N\u011bkdo se p\u0159ece ve st\u00e1t\u011b mus\u00ed postarat\u00a0 a\u00a0zajistit z\u00e1sobu dostatku ob\u011b\u017eiva. Mus\u00ed b\u00fdt pokryty v\u0161echny n\u00e1kupy a\u00a0prodeje.St\u00e1t je odpov\u011bdn\u00fd za v\u00fdrobu hotovosti ve form\u011b bankovek a\u00a0minc\u00ed. Tuto hotovost vyd\u00e1v\u00e1 na\u0161e \u010cNB a\u00a0d\u00e1v\u00e1 je je do ob\u011bhu p\u0159es komer\u010dn\u00ed banky. Banky mus\u00ed samoz\u0159ejm\u011b za tuto hotovost platit a\u00a0na to maj\u00ed sv\u00e9 \u00fa\u010dty u\u00a0\u010cNB. Na t\u011bchto \u00fa\u010dtech maj\u00ed sv\u00e9 likvidn\u00ed aktiva. Podle v\u00fd\u0161e sv\u00fdch likvidn\u00edch aktiv, kter\u00e9 m\u00e1 na \u00fa\u010dtu u\u00a0\u010cNB, si ka\u017ed\u00e1 komer\u010dn\u00ed banka m\u016f\u017ee koupit sv\u00e9 z\u00e1soby bankovek a\u00a0minc\u00ed.Jakmile tyto bankovky vyberou klienti bank, pak teprve pen\u00edze vstupuj\u00ed do ekonomiky na\u0161\u00ed zem\u011b. Tato hotovost pro banky je bez\u00faro\u010dn\u00e1 a\u00a0m\u016f\u017ee b\u00fdt v\u00a0ob\u011bhu na\u0161\u00ed ekonomiky po neomezenou dobu.\u00a0N\u00e1\u0161 st\u00e1t (prost\u0159ednictv\u00edm ministerstva financ\u00ed) m\u00e1 sv\u016fj \u00fa\u010det u\u00a0\u010cNB. Na ten se p\u0159ipisuje nomin\u00e1ln\u00ed hodnota ve\u0161ker\u00e9ho ob\u011b\u017eiva, za kter\u00e9 banky plat\u00ed \u2013 tytopen\u00edze jsou pot\u00e9 vynalo\u017eeny na ve\u0159ejn\u00e9 slu\u017eby.\u00a0Tak\u017ee, jak\u00fd bude p\u0159\u00ed\u0161t\u00ed rok v\u00a0oblasti financ\u00ed \u2013 to v\u00a0tomto okam\u017eiku nem\u016f\u017eeme p\u0159esn\u011b v\u011bd\u011bt. Proto\u017ee n\u011bjak\u00e9 zm\u011bny budou ur\u010dit\u011b.\u00a0Opr\u00e1vn\u011bn\u011b se m\u016f\u017eete pt\u00e1t a\u00a0po\u017eadovat odpov\u011bdi nap\u0159\u00edklad i na tyto ot\u00e1zky:\u00a0\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 P\u0159i da\u0148ov\u00e9m zv\u00fdhodn\u011bn\u00ed\u00a0 – zv\u00fd\u0161\u00ed se slibovan\u00e1 sleva na 2 a\u00a0v\u00edce d\u011bt\u00ed 19\u00a0404 a\u017e 24\u00a0204 K\u010d?\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Jak se zlep\u0161\u00ed syst\u00e9m spo\u0159en\u00ed na d\u016fchod?\u00a0 V\u00a0sou\u010dasnosti spo\u0159en\u00ed na d\u016fchod v\u00a0dan\u00e9 v\u00fd\u0161i si m\u016f\u017ee dovolit jen mal\u00fd po\u010det obyvatel, je\u017e si pak mohou vyu\u017e\u00edt pln\u011b da\u0148ovou slevu. A\u00a0co ostatn\u00ed?\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Budou ceny energie a\u00a0plynu\u00a0 stejn\u00e9 jako v\u00a0leto\u0161n\u00edm roce nebo budou vy\u0161\u0161\u00ed?\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Jak\u00e9 budou nov\u00e9 normy u\u00a0hypote\u010dn\u00edch \u00fav\u011br\u016f (fixace, \u00farok, poplatky)?\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Nebude se d\u00e1t zneu\u017e\u00edt finan\u010dn\u00ed produkt \u201eobr\u00e1cen\u00e1 hypot\u00e9ka \u201e?\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0Jak\u00e9 budou poplatky v\u00a0bank\u00e1ch \u2013 budou regulovan\u00e9?\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Bude se i\u00a0nad\u00e1le p\u0159\u00edsn\u011b dohl\u00ed\u017eet na poskytovatele p\u016fj\u010dek, mikrop\u016fj\u010dek a\u00a0pod.?\u00a0Je mnoho zp\u016fsob\u016f jak si pen\u00edze vyd\u011blat, mnoho mo\u017enost\u00ed jak je investovat , ale je jen na v\u00e1s, kolik si m\u016f\u017eete uspo\u0159it. A\u00a0samoz\u0159ejm\u011b bude z\u00e1le\u017ete na tom, jak si n\u00e1\u0161 st\u00e1t v\u00a0ekonomice povede.\t                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Slou\u017e\u00ed v\u00e1m pen\u00edze nebo v\u00e1s ovl\u00e1daj\u00ed?","item":"https:\/\/www.petos.cz\/slouzi-vam-penize-nebo-vas-ovladaji\/#breadcrumbitem"}]}]