{"id":1532,"date":"2023-05-31T07:43:12","date_gmt":"2023-05-31T07:43:12","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=1532"},"modified":"2023-05-31T07:43:12","modified_gmt":"2023-05-31T07:43:12","slug":"aktualne-k-odvodum-do-fondu-garancniho-systemu","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=1532","title":{"rendered":"Aktu\u00e1ln\u011b k odvod\u016fm do fond\u016f Garan\u010dn\u00edho syst\u00e9mu"},"content":{"rendered":"<p><strong>Garan\u010dn\u00ed syst\u00e9m finan\u010dn\u00edho trhu spravuje dva fondy, a to Fond poji\u0161t\u011bn\u00ed vklad\u016f a Fond pro \u0159e\u0161en\u00ed krize. Oba fondy jsou samostatn\u00fdmi \u00fa\u010detn\u00edmi jednotkami Garan\u010dn\u00edho syst\u00e9mu, maj\u00ed rozd\u00edln\u00fd \u00fa\u010del a jejich finan\u010dn\u00ed prost\u0159edky mohou b\u00fdt pou\u017eity pouze k\u00a0z\u00e1konem stanoven\u00fdm \u00fa\u010del\u016fm.<\/strong><!--more--><\/p>\n<p>Z\u00a0Fondu poji\u0161t\u011bn\u00ed vklad\u016f jsou vypl\u00e1ceny n\u00e1hrady vklad\u016f v p\u0159\u00edpad\u011b, \u017ee \u010cesk\u00e1 n\u00e1rodn\u00ed banka ozna\u010d\u00ed n\u011bkterou z\u00a0finan\u010dn\u00edch instituc\u00ed zapojen\u00fdch do\u00a0syst\u00e9mu poji\u0161t\u011bn\u00ed vklad\u016f, tedy banku, stavebn\u00ed spo\u0159itelnu \u010di dru\u017estevn\u00ed z\u00e1lo\u017enu, za\u00a0neschopnou dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm v\u016f\u010di opr\u00e1vn\u011bn\u00fdm osob\u00e1m za\u00a0z\u00e1konn\u00fdch a\u00a0smluvn\u00edch podm\u00ednek nebo soud vyd\u00e1 rozhodnut\u00ed o\u00a0\u00fapadku takov\u00e9 instituce. Do tohoto fondu p\u0159isp\u00edvaj\u00ed ze z\u00e1kona v\u0161echny instituce, u kter\u00fdch jsou vedeny poji\u0161t\u011bn\u00e9 vklady.<\/p>\n<p>Ve Fondu poji\u0161t\u011bn\u00ed vklad\u016f bylo ke konci roku 2022 celkem 14,2 miliardy korun. Tato \u010d\u00e1stka by se do konce roku mohla nav\u00fd\u0161it o v\u00edce ne\u017e 26 miliard, kter\u00e9 se do Fondu vr\u00e1t\u00ed zp\u011bt z\u00a0v\u00fdplaty klient\u016fm Sberbank CZ, a.s. Pokud zapo\u010dteme p\u0159\u00edsp\u011bvky, kter\u00e9 banky uhrad\u00ed do konce \u010dervna a o\u010dek\u00e1van\u00e9 v\u00fdnosy z investic, m\u011bl by Fond poji\u0161t\u011bn\u00ed vklad\u016f koncem roku disponovat \u010d\u00e1stkou ve v\u00fd\u0161i cca 43 miliard korun.<\/p>\n<p>Fond pro \u0159e\u0161en\u00ed krize je n\u00e1strojem pro financov\u00e1n\u00ed \u0159e\u0161en\u00ed krize v\u00a0p\u0159\u00edpadech ohro\u017een\u00ed stability n\u011bkter\u00e9 ze syst\u00e9mov\u011b v\u00fdznamn\u00fdch\u00a0finan\u010dn\u00edch instituc\u00ed. C\u00edlem p\u0159ijat\u00fdch opat\u0159en\u00ed je p\u0159edej\u00edt situaci, kter\u00e1 by mohla jinak vy\u00fastit v\u00a0nesolventnost, resp. \u00fapadek dot\u010den\u00e9ho finan\u010dn\u00edho \u00fastavu. Tento fond neslou\u017e\u00ed k\u00a0p\u0159\u00edm\u00fdm v\u00fdplat\u00e1m n\u00e1hrad vklad\u016f, ale umo\u017e\u0148uje \u0159e\u0161en\u00ed v\u00a0situac\u00edch, kdy je z\u00e1chrana finan\u010dn\u00ed instituce provediteln\u00e1, hodnov\u011brn\u00e1 a\u00a0ve\u00a0ve\u0159ejn\u00e9m z\u00e1jmu. Do Fondu p\u0159isp\u00edvaj\u00ed nejen instituce ji\u017e zapojen\u00e9 do syst\u00e9mu poji\u0161t\u011bn\u00ed vklad\u016f, ale i n\u011bkte\u0159\u00ed obchodn\u00edci s cenn\u00fdmi pap\u00edry, a to takt\u00e9\u017e formou pravideln\u00fdch ro\u010dn\u00edch p\u0159\u00edsp\u011bvk\u016f. Minim\u00e1ln\u00ed c\u00edlov\u00fd objem tohoto fondu je stanoven jako 1 % celkov\u00e9ho objemu kryt\u00fdch pohled\u00e1vek z vklad\u016f.<\/p>\n<p>Ve Fondu pro \u0159e\u0161en\u00ed krize bylo ke konci lo\u0148sk\u00e9ho roku celkem 27,5 miliardy korun. V\u00a0lo\u0148sk\u00e9m roce do Fondu p\u0159ibylo t\u00e9m\u011b\u0159 5 miliard korun a c\u00edlem je, aby v\u00a0n\u011bm do konce roku 2024 bylo zhruba 36,5 miliardy korun.<\/p>\n<p>A jak vypadaj\u00ed odvody do fond\u016f letos? V\u00a0leto\u0161n\u00edm roce do\u0161lo ke zv\u00fd\u0161en\u00ed odvod\u016f do Fondu poji\u0161t\u011bn\u00ed vklad\u016f o 526 milion\u016f korun. Z\u00e1rove\u0148 v\u0161ak do\u0161lo ke sn\u00ed\u017een\u00ed odvod\u016f do Fondu pro \u0159e\u0161en\u00ed krize, a to o 538 milion\u016f korun. V\u00a0meziro\u010dn\u00edm srovn\u00e1n\u00ed tak letos finan\u010dn\u00ed instituce odvedou Garan\u010dn\u00edmu syst\u00e9mu celkem o 12 milion\u016f korun m\u00e9n\u011b ne\u017e v\u00a0lo\u0148sk\u00e9m roce. I p\u0159esto ale celkov\u00e9 mno\u017estv\u00ed prost\u0159edk\u016f v\u00a0obou fondech vzroste, d\u00edky \u010demu\u017e bude zaji\u0161t\u011bna akceschopnost \u010desk\u00e9ho syst\u00e9mu poji\u0161t\u011bn\u00ed vklad\u016f.<\/p>\n<p><strong>Zdroj: GSFT<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>Garan\u010dn\u00ed syst\u00e9m finan\u010dn\u00edho trhu spravuje dva fondy, a to Fond poji\u0161t\u011bn\u00ed vklad\u016f a Fond pro \u0159e\u0161en\u00ed krize. Oba fondy jsou samostatn\u00fdmi \u00fa\u010detn\u00edmi jednotkami Garan\u010dn\u00edho syst\u00e9mu, <a class=\"mh-excerpt-more\" href=\"https:\/\/www.czechbankingnews.cz\/?p=1532\" title=\"Aktu\u00e1ln\u011b k odvod\u016fm do fond\u016f Garan\u010dn\u00edho syst\u00e9mu\">[&#8230;]<\/a><\/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-1532","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\/1532","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=1532"}],"version-history":[{"count":1,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1532\/revisions"}],"predecessor-version":[{"id":1533,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1532\/revisions\/1533"}],"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=1532"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1532"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1532"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}