[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bielmeier.cz\/proc-stat-neni-banka\/#Article","mainEntityOfPage":"https:\/\/www.bielmeier.cz\/proc-stat-neni-banka\/","headline":"Pro\u010d st\u00e1t nen\u00ed banka","name":"Pro\u010d st\u00e1t nen\u00ed banka","description":"Zkuste si to p\u0159edstavit. \u017de by v\u00e1m v\u00a0bance otev\u0159en\u011b \u0159ekli, \u017ee si do n\u00ed pen\u00edze se st\u00e1tn\u00ed z\u00e1rukou vlo\u017e\u00edte, ale nikdo v\u00e1m p\u0159esto nezaru\u010d\u00ed, \u017ee si je i vyberete. A jestli je sami nevy\u010derp\u00e1te, tak p\u0159ipadnou n\u011bkomu jin\u00e9mu. Komu jin\u00e9mu? To je vlastn\u011b i on\u00e9 bance samotn\u00e9 nezn\u00e1m\u00e9. A je to jedno, proto\u017ee doty\u010dn\u00e9ho ur\u010dit\u011b...","datePublished":"2019-10-09","dateModified":"2023-05-02","author":{"@type":"Person","@id":"https:\/\/www.bielmeier.cz\/author\/#Person","name":"","url":"https:\/\/www.bielmeier.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1ea551d08e5aaea35ec0edab8371d7eaf798177f38aa8a77e65ff33bf2d8edc8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1ea551d08e5aaea35ec0edab8371d7eaf798177f38aa8a77e65ff33bf2d8edc8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bielmeier.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bielmeier.cz\/wp-content\/uploads\/img_a356156_w3830_t1570889058.png","url":"https:\/\/www.bielmeier.cz\/wp-content\/uploads\/img_a356156_w3830_t1570889058.png","height":0,"width":0},"url":"https:\/\/www.bielmeier.cz\/proc-stat-neni-banka\/","about":["Ekonomika"],"wordCount":443,"articleBody":"Zkuste si to p\u0159edstavit. \u017de by v\u00e1m v\u00a0bance otev\u0159en\u011b \u0159ekli, \u017ee si do n\u00ed pen\u00edze se st\u00e1tn\u00ed z\u00e1rukou vlo\u017e\u00edte, ale nikdo v\u00e1m p\u0159esto nezaru\u010d\u00ed, \u017ee si je i vyberete. A jestli je sami nevy\u010derp\u00e1te, tak p\u0159ipadnou n\u011bkomu jin\u00e9mu. Komu jin\u00e9mu? To je vlastn\u011b i on\u00e9 bance samotn\u00e9 nezn\u00e1m\u00e9. A je to jedno, proto\u017ee doty\u010dn\u00e9ho ur\u010dit\u011b ani vy sami nezn\u00e1te. Tak pro\u010d se o to starat?\tDali byste do takov\u00e9 banky pen\u00edze? Vsad\u00edm se, \u017ee ne.\tZkuste si p\u0159edstavit banku, kter\u00e1 s\u00a0v\u00e1mi sjedn\u00e1 pravideln\u00e9 spo\u0159en\u00ed. Budete pravideln\u011b platit tolik a tolik a tato finan\u010dn\u00ed instituce v\u00e1m za to tehdy a tehdy vr\u00e1t\u00ed to a to v\u00a0takov\u00e9 a takov\u00e9 podob\u011b. Ov\u0161em budete muset platit hodn\u011b dlouho. A v\u00a0pr\u016fb\u011bhu t\u00e9to doby se budou pravidla v\u00fdznamn\u011b m\u011bnit, bez va\u0161\u00ed mo\u017enosti to ovlivnit nebo smlouvu vypov\u011bd\u011bt. A je pochopiteln\u00e9, \u017ee se takov\u00e9 podm\u00ednky nebudou m\u011bnit ve v\u00e1\u0161 prosp\u011bch. A nejen to; mo\u017en\u00e1 tu bude dokonce i zna\u010dn\u00e9 riziko, \u017ee nakonec nedostanete navzdory desetilet\u00edm spo\u0159en\u00ed se st\u00e1tn\u00ed z\u00e1rukou v\u016fbec nic. Po\u010dkaj\u00ed, a\u017e um\u0159ete, a daj\u00ed to n\u011bkomu jin\u00e9mu nebo to mo\u017en\u00e1 rozh\u00e1zej\u00ed sami. A ani se t\u00edm nebudou tajit.\tInvestujete do takov\u00e9ho podniku? Pochybuji.\tZkuste si p\u0159edstavit banku, kde po v\u00e1s budou vysloven\u011b \u017e\u00e1dat, abyste si do n\u00ed ukl\u00e1dali pevn\u011b danou \u010d\u00e1st sv\u00fdch p\u0159\u00edjm\u016f. Automaticky a s\u00a0rizikem, \u017ee neodvedete-li ji p\u0159esn\u011b, budou na v\u00e1s zl\u00ed a budou v\u00e1s penalizovat. S\u00a0t\u00edm, \u017ee se v\u00e1m budou bank\u00e9\u0159i nejednou vysm\u00edvat p\u0159\u00edmo do o\u010d\u00ed, \u017ee budou py\u0161n\u00ed na to, \u017ee nad\u011blali, d\u011blaj\u00ed a maj\u00ed v\u00a0\u00famyslu i nad\u00e1le d\u011blat dluhy. A to na v\u00e1\u0161 \u00fakor.\t\tBudete ochotni se k\u00a0tomu uvolit? Zejm\u00e9na pokud bude po\u010d\u00edt\u00e1n\u00ed on\u00e9 zm\u00edn\u011bn\u00e9 po\u017eadovan\u00e9 \u010d\u00e1stky v\u00edce ne\u017e komplikovan\u00e9? Nev\u011b\u0159\u00edm, \u017ee ano.\tZkuste si p\u0159edstavit banku, kter\u00e1 je takov\u00e1. Nep\u0159edstaviteln\u00e9, co? Ta by neobst\u00e1la.\tZat\u00edmco st\u00e1t d\u011bl\u00e1 v\u0161echno zm\u00edn\u011bn\u00e9. A obst\u00e1v\u00e1. A proto st\u00e1t nen\u00ed banka.\tA nejhor\u0161\u00ed na tom je, \u017ee proto nen\u00ed ani ze z\u00e1kona poji\u0161t\u011bn. Tak\u017ee a\u017e zkrachuje, ti, kdo do n\u011bj vlo\u017eili sv\u00e9 t\u011b\u017ece vyd\u011blan\u00e9 pen\u00edze, nedostanou nic. A navrch je\u0161t\u011b zaplat\u00ed nad\u011blan\u00e9 dluhy.                                                                                                                                                                                                                                                                                                                                                                                        4.2\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro\u010d st\u00e1t nen\u00ed banka","item":"https:\/\/www.bielmeier.cz\/proc-stat-neni-banka\/#breadcrumbitem"}]}]