{"id":1379,"date":"2023-05-02T08:45:24","date_gmt":"2023-05-02T08:45:24","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=1379"},"modified":"2023-05-02T08:45:24","modified_gmt":"2023-05-02T08:45:24","slug":"gsft-proveri-banky-zatezovym-testem","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=1379","title":{"rendered":"GSFT prov\u011b\u0159\u00ed banky z\u00e1t\u011b\u017eov\u00fdm testem"},"content":{"rendered":"<p><strong>Garan\u010dn\u00ed syst\u00e9m funguje jako pojistka finan\u010dn\u00edho trhu. Existence instituce, kter\u00e1 zaji\u0161\u0165uje poji\u0161t\u011bn\u00ed vklad\u016f, dod\u00e1v\u00e1 jistotu vkladatel\u016fm a pom\u00e1h\u00e1 udr\u017een\u00ed stability finan\u010dn\u00edho sektoru v\u00a0dob\u00e1ch krize.<\/strong><span id=\"more-156526\"><\/span><!--more--><\/p>\n<p>\u201cAby byla spolehliv\u011b zaru\u010dena p\u0159ipravenost Garan\u010dn\u00edho syst\u00e9mu, prov\u00e1d\u00edme pravideln\u011b r\u016fzn\u00e9 typy z\u00e1t\u011b\u017eov\u00fdch test\u016f. Na leto\u0161n\u00ed rok p\u0159ipravujeme proveden\u00ed testu finan\u010dn\u00ed p\u0159ipravenosti. Tohoto testu se z\u00fa\u010dastn\u00ed i \u010cNB, a to v r\u00e1mci testu souvisej\u00edc\u00edho s vyps\u00e1n\u00edm mimo\u0159\u00e1dn\u00fdch p\u0159\u00edsp\u011bvk\u016f,\u201d uvedla Ren\u00e1ta Kadlecov\u00e1, v\u00fdkonn\u00e1 \u0159editelka Garan\u010dn\u00edho syst\u00e9mu.<\/p>\n<p>K\u00a0tomu by mohlo doj\u00edt v p\u0159\u00edpad\u011b, kdy by p\u0159i v\u00fdplat\u011b n\u00e1hrad vklad\u016f nem\u011bl Garan\u010dn\u00ed syst\u00e9m dostatek vlastn\u00edch prost\u0159edk\u016f.<\/p>\n<p>V\u00a0takov\u00e9 situaci by musel po\u017e\u00e1dat \u010cNB o vyps\u00e1n\u00ed t\u011bchto p\u0159\u00edsp\u011bvk\u016f. V r\u00e1mci testu budeme ov\u011b\u0159ovat komunikaci s \u010cNB a sama \u010cNB pak otestuje sv\u00e9 intern\u00ed procesy souvisej\u00edc\u00ed s vyhodnocen\u00edm schopnosti bank tyto p\u0159\u00edsp\u011bvky uhradit v pot\u0159ebn\u00e9 v\u00fd\u0161i a procesy souvisej\u00edc\u00ed s jejich vyps\u00e1n\u00edm.<\/p>\n<p><strong>Sou\u010d\u00e1st\u00ed testu bude emise dluhopis\u016f<\/strong><\/p>\n<p>Sou\u010d\u00e1st\u00ed testu finan\u010dn\u00ed p\u0159ipravenosti bude tak\u00e9 prvn\u00ed vyd\u00e1n\u00ed testovac\u00ed emise dluhopis\u016f Garan\u010dn\u00edho syst\u00e9mu a vyhl\u00e1\u0161en\u00ed aukce za \u00fa\u010delem prodeje dluhopis\u016f prost\u0159ednictv\u00edm testovac\u00edho prost\u0159ed\u00ed informa\u010dn\u00edho syst\u00e9mu Bloomberg.<\/p>\n<p>Garan\u010dn\u00ed syst\u00e9m sou\u010dasn\u011b prov\u00e1d\u00ed minim\u00e1ln\u011b jednou ov\u011b\u0159en\u00ed p\u0159ipravenosti bank, stavebn\u00edch spo\u0159itelen a dru\u017estevn\u00edch z\u00e1lo\u017een \u00fa\u010dastn\u00edc\u00edch se syst\u00e9mu poji\u0161t\u011bn\u00ed vklad\u016f v\u00a0\u010cR poskytnout Garan\u010dn\u00edmu syst\u00e9mu v term\u00ednech dan\u00fdch z\u00e1konem \u010d. 21\/1992 Sb., o bank\u00e1ch, ve zn\u011bn\u00ed pozd\u011bj\u0161\u00edch validn\u00ed klientsk\u00e1 data, na z\u00e1klad\u011b kter\u00fdch by Garan\u010dn\u00ed syst\u00e9m mohl poskytnout opr\u00e1vn\u011bn\u00fdm klient\u016fm v\u00fdplatu n\u00e1hrad za pohled\u00e1vky vklad\u016f. Testov\u00e1ny jsou kompletn\u00ed klientsk\u00e9 datab\u00e1ze v\u00fd\u0161e uveden\u00fdch finan\u010dn\u00edch instituc\u00ed, kter\u00e9 vedou poji\u0161t\u011bn\u00e9 klientsk\u00e9 vklady.<\/p>\n<p>C\u00edlem tohoto testu je prov\u011b\u0159it, zda maj\u00ed p\u0159ipraveny procesy pro p\u0159\u00edpadnou situaci, kdy by \u010cNB musela ozn\u00e1mit jejich neschopnost dost\u00e1t z\u00e1vazk\u016fm v\u016f\u010di opr\u00e1vn\u011bn\u00fdm osob\u00e1m za z\u00e1konn\u00fdch a smluvn\u00edch podm\u00ednek a Garan\u010dn\u00ed syst\u00e9m by musel zah\u00e1jit v\u00fdplatu n\u00e1hrad za pohled\u00e1vky z vklad\u016f. V re\u00e1ln\u00e9 situaci m\u00e1 finan\u010dn\u00ed instituce na p\u0159\u00edpravu datab\u00e1ze pouze 3 pracovn\u00ed dny.<\/p>\n<p><strong>Vyhodnocen\u00ed v\u00fdsledk\u016f<\/strong><\/p>\n<p>V\u00fdsledky z\u00e1t\u011b\u017eov\u00fdch test\u016f mus\u00ed v\u0161echny syst\u00e9my poji\u0161t\u011bn\u00ed vklad\u016f v EU vyhodnotit podle krit\u00e9ri\u00ed stanoven\u00fdch v Pokynech EBA k\u00a0z\u00e1t\u011b\u017eov\u00fdm test\u016fm syst\u00e9m\u016f poji\u0161t\u011bn\u00ed vklad\u016f (EBA\/GL\/2021\/10) a do stanoven\u00e9 lh\u016fty zaslat EBA podrobn\u00e9 hl\u00e1\u0161en\u00ed o v\u00fdsledku proveden\u00fdch test\u016f. Po skon\u010den\u00ed 3let\u00e9ho cyklu z\u00e1t\u011b\u017eov\u00fdch test\u016f vypracuje EBA zpr\u00e1vu, kter\u00e1 bude obsahovat srovn\u00e1vac\u00ed hodnocen\u00ed v\u00fdsledku test\u016f syst\u00e9m\u016f poji\u0161t\u011bn\u00ed vklad\u016f v\u00a0cel\u00e9 EU.<\/p>\n<p>Z\u00e1t\u011b\u017eov\u00e9 testy Garan\u010dn\u00ed syst\u00e9m prov\u00e1d\u00ed pravideln\u011b ji\u017e n\u011bkolik let a poznatky z nich slou\u017eily k vylep\u0161en\u00ed jednotliv\u00fdch proces\u016f a postup\u016f, a\u0165 ji\u017e v r\u00e1mci Garan\u010dn\u00edho syst\u00e9mu nebo p\u0159i spolupr\u00e1ci s \u010cNB, vypl\u00e1cej\u00edc\u00ed bankou \u010di zahrani\u010dn\u00edm syst\u00e9mem poji\u0161t\u011bn\u00ed vklad\u016f. To, \u017ee tyto procesy byly dob\u0159e zvl\u00e1dnut\u00e9, potvrdila v\u00fdplata n\u00e1hrad vklad\u016f Sberbank, kter\u00e1 byla zah\u00e1jena v z\u00e1konem vy\u017eadovan\u00e9 lh\u016ft\u011b 7 pracovn\u00edch dn\u00ed.<\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>Garan\u010dn\u00ed syst\u00e9m funguje jako pojistka finan\u010dn\u00edho trhu. Existence instituce, kter\u00e1 zaji\u0161\u0165uje poji\u0161t\u011bn\u00ed vklad\u016f, dod\u00e1v\u00e1 jistotu vkladatel\u016fm a pom\u00e1h\u00e1 udr\u017een\u00ed stability finan\u010dn\u00edho sektoru v\u00a0dob\u00e1ch krize.<\/p>\n<\/div>","protected":false},"author":1,"featured_media":1032,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-1379","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banky"],"_links":{"self":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1379","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1379"}],"version-history":[{"count":1,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1379\/revisions"}],"predecessor-version":[{"id":1380,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1379\/revisions\/1380"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/1032"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1379"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1379"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1379"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}