[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.i-eps.cz\/premyslejte-na-co-si-pujcite\/#Article","mainEntityOfPage":"https:\/\/www.i-eps.cz\/premyslejte-na-co-si-pujcite\/","headline":"P\u0159em\u00fd\u0161lejte, na co si p\u016fj\u010d\u00edte","name":"P\u0159em\u00fd\u0161lejte, na co si p\u016fj\u010d\u00edte","description":"Ekonomika nikdy nebyla ve v\u011bt\u0161\u00edm rozvoji. To m\u00e1 samoz\u0159ejm\u011b spoustu pozitivn\u00edch dopad\u016f. A to jak na zam\u011bstnanost, v\u00fd\u0161i \u00farokov\u00fdch sazeb, p\u0159\u00edliv kapit\u00e1lu nebo mo\u017enosti zalo\u017eit si firmu. Jde tak\u00e9 o spoustu negativn\u00edch dopad\u016f pro lidi, kte\u0159\u00ed neum\u00ed s\u00a0financemi pracovat. T\u00edm, \u017ee koruna posiluje doch\u00e1z\u00ed k\u00a0poklesu \u00farokov\u00fdch sazeb, co\u017e samoz\u0159ejm\u011b sni\u017euje cenu v\u0161ech p\u016fj\u010dek, \u00fav\u011br\u016f a … ","datePublished":"2020-09-18","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.i-eps.cz\/author\/#Person","name":"","url":"https:\/\/www.i-eps.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/0412c3dad30f33fa104fa4f87b3ce5af9aea5f3e20fa015d071a3573d325a5fc?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0412c3dad30f33fa104fa4f87b3ce5af9aea5f3e20fa015d071a3573d325a5fc?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"i-eps.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.i-eps.cz\/wp-content\/uploads\/img_a328348_w1947_t1540654611.jpg","url":"https:\/\/www.i-eps.cz\/wp-content\/uploads\/img_a328348_w1947_t1540654611.jpg","height":0,"width":0},"url":"https:\/\/www.i-eps.cz\/premyslejte-na-co-si-pujcite\/","about":["Finance"],"wordCount":452,"articleBody":"Ekonomika nikdy nebyla ve v\u011bt\u0161\u00edm rozvoji. To m\u00e1 samoz\u0159ejm\u011b spoustu pozitivn\u00edch dopad\u016f. A to jak na zam\u011bstnanost, v\u00fd\u0161i \u00farokov\u00fdch sazeb, p\u0159\u00edliv kapit\u00e1lu nebo mo\u017enosti zalo\u017eit si firmu. Jde tak\u00e9 o spoustu negativn\u00edch dopad\u016f pro lidi, kte\u0159\u00ed neum\u00ed s\u00a0financemi pracovat. T\u00edm, \u017ee koruna posiluje doch\u00e1z\u00ed k\u00a0poklesu \u00farokov\u00fdch sazeb, co\u017e samoz\u0159ejm\u011b sni\u017euje cenu v\u0161ech p\u016fj\u010dek, \u00fav\u011br\u016f a hypot\u00e9k.To je samoz\u0159ejm\u011b dob\u0159e, ale pro mnoho lid\u00ed, kte\u0159\u00ed nejsou dostate\u010dn\u011b finan\u010dn\u011b gramotn\u00ed to m\u016f\u017ee m\u00edt fat\u00e1ln\u00ed d\u016fsledky. Lid\u00e9 si pak p\u016fj\u010duj\u00ed t\u00e9m\u011b\u0159 na v\u0161echno, a to i na v\u011bci, kter\u00e9 v\u016fbec nepot\u0159ebuj\u00ed. N\u00e1sledkem toho je finan\u010dn\u00ed zadlu\u017een\u00ed a\u017e v\u00a0extr\u00e9mn\u00edch p\u0159\u00edpadech se m\u016f\u017eeme dostat do dluhov\u00e9 pasti.Proto by m\u011bl \u010dlov\u011bk p\u0159em\u00fd\u0161let nad t\u00edm co skute\u010dn\u011b pot\u0159ebuje a co je pouze p\u0159edm\u011btem tu\u017eby. Na\u0161t\u011bst\u00ed bankovn\u00ed syst\u00e9m v\u00a0\u010cR m\u00e1 na tyto vlivy vlastn\u00ed n\u00e1stroje, kter\u00e9 zabra\u0148uj\u00ed zbyte\u010dn\u00e9mu uvol\u0148ov\u00e1n\u00ed pen\u011bz do ob\u011bhu, kter\u00fd by ve v\u00fdsledku zp\u016fsobil n\u00e1r\u016fst inflace.Cel\u00fd syst\u00e9m funguje jako dvouf\u00e1zov\u00fd. Tedy existuje ur\u010dit\u00e1 centr\u00e1ln\u00ed banka. U n\u00e1s je to tedy \u010cesk\u00e1 n\u00e1rodn\u00ed banka, kter\u00e1 v\u0161echno \u0159\u00edd\u00ed a tvo\u0159\u00ed st\u00e1tn\u00ed rozpo\u010det. Pod n\u00ed jsou pak komer\u010dn\u00ed banky, kter\u00e9 slou\u017e\u00ed koncov\u00fdm klient\u016fm. Jedn\u00edm z\u00a0n\u00e1stroj\u016f centr\u00e1ln\u00ed banky jsou tedy povinn\u00e9 minim\u00e1ln\u00ed rezervy. Co\u017e je n\u00e1stroj, kter\u00fd omezuje mno\u017estv\u00ed uvoln\u011bn\u00fdch pen\u011bz do ob\u011bhu. Pokud tedy ceny \u00fav\u011br\u016f klesnou centr\u00e1ln\u00ed banka pouze zv\u00fd\u0161\u00ed minim\u00e1ln\u00ed limity rezerv, kter\u00e9 mus\u00ed m\u00edt komer\u010dn\u00ed banky u centr\u00e1ln\u00ed ulo\u017eeny.T\u00edm se ve v\u00fdsledku zabr\u00e1n\u00ed nadm\u011brn\u00e9ho uvol\u0148ov\u00e1n\u00ed pen\u011bz.Bohu\u017eel neexistuj\u00ed pouze bankovn\u00ed spole\u010dnosti, ale tak\u00e9 ty nebankovn\u00ed, kter\u00e9 maj\u00ed n\u00ed\u017ee stanoven\u00e9 limity, aby byly dostupn\u00e9 i pro m\u00e9n\u011b solventn\u00ed klienty. Zde nast\u00e1v\u00e1 probl\u00e9m, jeliko\u017e maj\u00ed spoustu skryt\u00fdch poplatk\u016f a zkreslen\u011b stanoven\u00e9 \u00farokov\u00e9 sazby m\u016f\u017eeme se \u010dasto zadlu\u017eit. Proto je lep\u0161\u00ed se do podepisov\u00e1n\u00ed smluv s\u00a0takov\u00fdmi spole\u010dnostmi v\u016fbec nepou\u0161t\u011bt.Je d\u016fle\u017eit\u00e9 uv\u011bdomit si co skute\u010dn\u011b chceme. \u010casto v\u011bci, kter\u00e9 \u00fadajn\u011b pot\u0159ebujeme jsou pouze p\u0159edm\u011btem na\u0161ich tu\u017eeb. Je dobr\u00e9 se zamyslet nad t\u00edm, zda n\u00e1m dan\u00e1 v\u011bc nebo slu\u017eba opravdu stoj\u00ed za zadlu\u017een\u00ed.                                                                                                                                                                                                                                                                                                                                                                                        4\/5 - (13 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u0159em\u00fd\u0161lejte, na co si p\u016fj\u010d\u00edte","item":"https:\/\/www.i-eps.cz\/premyslejte-na-co-si-pujcite\/#breadcrumbitem"}]}]