{"id":2135,"date":"2022-03-31T07:55:49","date_gmt":"2022-03-31T05:55:49","guid":{"rendered":"https:\/\/www.ekonomickyzpravodaj.cz\/?p=2135"},"modified":"2024-05-25T22:03:30","modified_gmt":"2024-05-25T20:03:30","slug":"penize-ze-vzduchu-jak-centralni-banky-narusily-skutecny-vztah-sporeni-a-pujcovani","status":"publish","type":"post","link":"https:\/\/ekonomickyzpravodaj.cz\/?p=2135","title":{"rendered":"Pen\u00edze ze vzduchu: Jak centr\u00e1ln\u00ed banky naru\u0161ily skute\u010dn\u00fd vztah spo\u0159en\u00ed a p\u016fj\u010dov\u00e1n\u00ed"},"content":{"rendered":"\n

Banky usnad\u0148uj\u00ed tok \u00faspor t\u00edm, \u017ee p\u0159edstav\u00ed \u201edodavatele\u201c \u00faspor \u201e\u017eadatel\u016fm\u201c. T\u00edm, \u017ee banky hraj\u00ed roli zprost\u0159edkovatel\u016f, jsou d\u016fle\u017eit\u00fdm faktorem v procesu tvorby bohatstv\u00ed. Jakmile v\u0161ak banky opust\u00ed svou roli zprost\u0159edkovatel\u016f a za\u010dnou p\u016fj\u010dovat pen\u00edze nekryt\u00e9 \u00fasporami, spust\u00ed se t\u00edm hrozba cyklu boom-krach a ekonomick\u00e9ho ochuzen\u00ed.<\/p>\n\n\n\n

ezm\u011bme si p\u0159\u00edklad farm\u00e1\u0159e Jana, kter\u00fd vyp\u011bstoval dva kilogramy brambor. K vlastn\u00ed spot\u0159eb\u011b pot\u0159ebuje jeden kilogram a zbytek p\u016fj\u010d\u00ed na rok dal\u0161\u00edmu farm\u00e1\u0159i Robertovi. Nespot\u0159ebovan\u00fd kilogram brambor, kter\u00e9 p\u016fj\u010dil, p\u0159edstavuj\u00ed jeho \u00faspory.<\/p>\n\n\n\n

P\u016fj\u010den\u00edm kilogramu brambor Robertovi Jan souhlasil, \u017ee se na jeden rok vzd\u00e1 vlastnictv\u00ed t\u011bchto brambor. Robert na opl\u00e1tku poskytne Janovi p\u0159\u00edslib, \u017ee po roce mu vr\u00e1t\u00ed 1,1 kilogramu brambor, p\u0159i\u010dem\u017e 0,1 kilogramu p\u0159edstavuje \u00farok. Je d\u016fle\u017eit\u00e9 p\u0159ipomenout, \u017ee existence \u00faspor je p\u0159edpokladem pro poskytov\u00e1n\u00ed \u00fav\u011br\u016f. Nejprve mus\u00ed b\u00fdt \u00faspory, kter\u00e9 dok\u00e1\u017eou pln\u011b pokr\u00fdt \u00fav\u011bry.<\/p>\n\n\n\n

M\u00e1me zde v\u00fdm\u011bnu kilogramu sou\u010dasn\u00fdch brambor za 1,1 kilogramu brambor za jeden rok. Jan a Robert vstoupili do t\u00e9to transakce dobrovoln\u011b, proto\u017ee oba dosp\u011bli k z\u00e1v\u011bru, \u017ee by to poslou\u017eilo jejich c\u00edl\u016fm.<\/p>\n\n\n\n

Zam\u011bn\u011bn\u00ed brambor za pen\u00edze nijak nezm\u011bn\u00ed podstatu toho, o \u010dem je p\u016fj\u010dov\u00e1n\u00ed. Nam\u00edsto p\u016fj\u010den\u00ed kilogramu brambor Jan pravd\u011bpodobn\u011b vym\u011bn\u00ed sv\u016fj kilogram brambor za pen\u00edze, \u0159ekn\u011bme za 10 eur. Jan se nyn\u00ed m\u016f\u017ee rozhodnout p\u016fj\u010dit sv\u00e9 pen\u00edze jin\u00e9mu farm\u00e1\u0159i, Petrovi, na jeden rok za b\u011b\u017enou \u00farokovou sazbu 10 procent. Pou\u017eit\u00ed pen\u011bz nezm\u011bnilo skute\u010dnost, \u017ee spo\u0159en\u00ed p\u0159edch\u00e1z\u00ed akt\u016fm p\u016fj\u010dov\u00e1n\u00ed. Kdy\u017e st\u0159adatel p\u016fj\u010duje pen\u00edze, to, co ve skute\u010dnosti p\u016fj\u010duje dlu\u017en\u00edkovi, je kone\u010dn\u00e9 spot\u0159ebn\u00ed zbo\u017e\u00ed, kter\u00e9 nespot\u0159ebovalo.<\/p>\n\n\n

\n
\"\"<\/figure>\n<\/div>\n\n\n

\u00daspory podporuj\u00ed jednotlivce v r\u016fzn\u00fdch f\u00e1z\u00edch v\u00fdroby, proto jsou \u00faspory j\u00e1drem ekonomick\u00e9ho r\u016fstu. P\u016fj\u010dov\u00e1n\u00ed \u00faspor pln\u00ed d\u016fle\u017eitou roli v procesu tvorby bohatstv\u00ed. P\u016fj\u010den\u00edm sv\u00fdch \u00faspor Robertovi poskytuje Jan prost\u0159edky na \u017eivobyt\u00ed Robertovi. To zase umo\u017e\u0148uje Robertovi zapojit se do \u010dinnosti generuj\u00edc\u00ed bohatstv\u00ed.<\/p>\n\n\n\n

Nam\u00edsto toho, aby hledal potenci\u00e1ln\u00ed dlu\u017en\u00edky, by se Jan mohl obr\u00e1tit na organizaci, kter\u00e1 se specializuje na vyhled\u00e1v\u00e1n\u00ed dlu\u017en\u00edk\u016f. Tato organizace je banka. Banka se specializuje na vyhled\u00e1v\u00e1n\u00ed dlu\u017en\u00edk\u016f pro jednotlivce, kte\u0159\u00ed jsou ochotni p\u016fj\u010dit sv\u00e9 \u00faspory. Banky se tak\u00e9 specializuj\u00ed na vyhled\u00e1v\u00e1n\u00ed v\u011b\u0159itel\u016f pro jednotlivce, kte\u0159\u00ed jsou ochotni si p\u016fj\u010dit. Banky tak pln\u00ed \u00falohu zprost\u0159edkovatele. Banky se mohou zapojit i do p\u0159\u00edm\u00fdch p\u016fj\u010dek s pou\u017eit\u00edm vlastn\u00edch akciov\u00fdch fond\u016f nebo p\u016fj\u010den\u00edm po\u017eadovan\u00fdch prost\u0159edk\u016f.<\/p>\n\n\n\n

\n\n\n\n

Redakce rad\u00ed: Nechte se inspirovat zaj\u00edmav\u00fdmi \u010dl\u00e1nky, tipy a n\u00e1pady, inspirace<\/u><\/a>\u00a0nen\u00ed nikdy dost.\u00a0<\/p>\n\n\n\n

\n","protected":false},"excerpt":{"rendered":"

Banky usnad\u0148uj\u00ed tok \u00faspor t\u00edm, \u017ee p\u0159edstav\u00ed \u201edodavatele\u201c \u00faspor \u201e\u017eadatel\u016fm\u201c. T\u00edm, \u017ee banky hraj\u00ed roli zprost\u0159edkovatel\u016f, jsou d\u016fle\u017eit\u00fdm faktorem v procesu tvorby bohatstv\u00ed. Jakmile v\u0161ak banky opust\u00ed svou roli zprost\u0159edkovatel\u016f a za\u010dnou p\u016fj\u010dovat pen\u00edze nekryt\u00e9 \u00fasporami, spust\u00ed se t\u00edm hrozba cyklu boom-krach a ekonomick\u00e9ho ochuzen\u00ed. ezm\u011bme si p\u0159\u00edklad farm\u00e1\u0159e Jana, kter\u00fd vyp\u011bstoval dva kilogramy brambor. […]<\/p>\n","protected":false},"author":4,"featured_media":2136,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[12],"tags":[],"class_list":["post-2135","post","type-post","status-publish","format-standard","has-post-thumbnail","category-byznys"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/ekonomickyzpravodaj.cz\/index.php?rest_route=\/wp\/v2\/posts\/2135","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ekonomickyzpravodaj.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ekonomickyzpravodaj.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ekonomickyzpravodaj.cz\/index.php?rest_route=\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/ekonomickyzpravodaj.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2135"}],"version-history":[{"count":2,"href":"https:\/\/ekonomickyzpravodaj.cz\/index.php?rest_route=\/wp\/v2\/posts\/2135\/revisions"}],"predecessor-version":[{"id":2299,"href":"https:\/\/ekonomickyzpravodaj.cz\/index.php?rest_route=\/wp\/v2\/posts\/2135\/revisions\/2299"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ekonomickyzpravodaj.cz\/index.php?rest_route=\/wp\/v2\/media\/2136"}],"wp:attachment":[{"href":"https:\/\/ekonomickyzpravodaj.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2135"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ekonomickyzpravodaj.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2135"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ekonomickyzpravodaj.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2135"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}