{"id":1698,"date":"2023-07-13T12:42:52","date_gmt":"2023-07-13T12:42:52","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=1698"},"modified":"2023-07-13T12:42:52","modified_gmt":"2023-07-13T12:42:52","slug":"gsft-pozor-na-zakonne-limity-co-je-pojistene-nemusi-byt-kryte","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=1698","title":{"rendered":"GSFT: Pozor na z\u00e1konn\u00e9 limity: co je poji\u0161t\u011bn\u00e9, nemus\u00ed b\u00fdt kryt\u00e9"},"content":{"rendered":"

\u017de jsou vklady v\u00a0bank\u00e1ch, stavebn\u00edch spo\u0159iteln\u00e1ch a dru\u017estevn\u00edch z\u00e1lo\u017en\u00e1ch ze z\u00e1kona poji\u0161t\u011bn\u00e9 do v\u00fd\u0161e 100\u00a0000 euro (respektive ve v\u00fdjime\u010dn\u00fdch p\u0159\u00edpadech a\u017e do dvojn\u00e1sobku t\u00e9to \u010d\u00e1stky), v\u00ed ka\u017ed\u00fd erudovan\u00fd \u010dten\u00e1\u0159, kter\u00fd se pohybuje ve sv\u011bt\u011b bankovnictv\u00ed. Na poji\u0161t\u011bn\u00ed vklad\u016f dohl\u00ed\u017e\u00ed z\u00e1konem z\u0159\u00edzen\u00fd Garan\u010dn\u00ed syst\u00e9m finan\u010dn\u00edho trhu, jeho\u017e akceschopnost si mnoz\u00ed na vlastn\u00ed k\u016f\u017ei vyzkou\u0161eli loni na ja\u0159e p\u0159i p\u00e1du Sberbank CZ.<\/strong><\/span><\/p>\n

Mezi b\u011b\u017enou populac\u00ed je pov\u011bdom\u00ed o existenci syst\u00e9mu poji\u0161t\u011bn\u00ed vklad\u016f docela siln\u00e9 (v\u00ed o n\u011bm zhruba \u00be \u010cech\u016f), h\u016f\u0159e na tom v\u0161ak jsou lid\u00e9 se znalost\u00ed z\u00e1konn\u00fdch term\u00edn\u016f a limit\u016f poji\u0161t\u011bn\u00ed. Jen necel\u00e1 \u010dtvrtina v\u00ed, \u017ee se poji\u0161t\u011bn\u00ed vklad\u016f vztahuje na \u010d\u00e1stky do v\u00fd\u0161e 100\u00a0000 euro na jednoho vkladatele u ka\u017ed\u00e9 jedn\u00e9 finan\u010dn\u00ed instituce. A jen 7 % v\u00ed, \u017ee sv\u00e9 vklady dostanou do sedmi pracovn\u00edch dn\u00ed od p\u00e1du banky, stavebn\u00ed spo\u0159itelny nebo dru\u017estevn\u00ed z\u00e1lo\u017eny.<\/p>\n

Posledn\u00ed \u010d\u00edsla zve\u0159ejn\u011bn\u00e1 \u010cNB, kter\u00e1 mapuj\u00ed vklady ve finan\u010dn\u00edch instituc\u00edch na \u010desk\u00e9m trhu k\u00a031. b\u0159eznu 2023, ukazuj\u00ed, \u017ee objem poji\u0161t\u011bn\u00fdch vklad\u016f v\u00a0bank\u00e1ch, stavebn\u00edch spo\u0159iteln\u00e1ch a dru\u017estevn\u00edch z\u00e1lo\u017en\u00e1ch \u010din\u00ed 5,2 bilionu korun. Ve zkratce jde o vklady, kter\u00e9 bez ohledu na svou v\u00fd\u0161i spl\u0148uji z\u00e1konn\u00e9 podm\u00ednky poji\u0161t\u011bn\u00ed. Objem kryt\u00fdch vklad\u016f, tedy vklad\u016f spl\u0148uj\u00edc\u00edch podm\u00ednky poji\u0161t\u011bn\u00ed vklad\u016f ve v\u00fd\u0161i do 100\u00a0000 euro, v\u0161ak \u010din\u00ed jen 3,36 bilionu korun (do t\u00e9to \u010d\u00e1stky nem\u016f\u017eeme zahrnout tzv. do\u010dasn\u011b zv\u00fd\u0161en\u00e9 z\u016fstatky, na kter\u00e9 se vztahuje z\u00e1konn\u00e9 poji\u0161t\u011bn\u00ed vklad\u016f a\u017e do v\u00fd\u0161e 200\u00a0000 euro, nicm\u00e9n\u011b z\u00a0na\u0161\u00ed zku\u0161enosti jde pouze o zlomek z\u00a0celkov\u00e9ho po\u010dtu vklad\u016f).<\/p>\n

Z\u00a0\u00fadaj\u016f \u010cNB tak vid\u00edme, \u017ee zhruba t\u0159etina objemu vklad\u016f ulo\u017een\u00fdch v\u00a0bank\u00e1ch, stavebn\u00edch spo\u0159iteln\u00e1ch a dru\u017estevn\u00edch z\u00e1lo\u017en\u00e1ch nespl\u0148uje z\u00e1konn\u00e9 podm\u00ednky pro poji\u0161t\u011bn\u00ed vklad\u016f. A bezpochyby v\u00fdznamnou \u010d\u00e1st\u00a0t\u011bchto vklad\u016f dr\u017e\u00ed ve finan\u010dn\u00edch instituc\u00edch b\u011b\u017en\u00ed st\u0159adatel\u00e9, kte\u0159\u00ed nedisponuj\u00ed pot\u0159ebn\u00fdmi znalostmi limit\u016f poji\u0161t\u011bn\u00ed vklad\u016f.<\/p>\n

Velk\u00fdm \u00fakolem n\u00e1s v\u0161ech, kte\u0159\u00ed se ve sv\u011bt\u011b bankovnictv\u00ed pohybuj\u00ed, je proto vkladatel\u016fm vysv\u011btlovat jak poji\u0161t\u011bn\u00ed vklad\u016f funguje a informovat je o tom, \u017ee poji\u0161t\u011bn\u00fd je ekvivalent 100\u00a0000 euro v\u00a0\u010desk\u00fdch korun\u00e1ch na jednoho vkladatele a jednu finan\u010dn\u00ed instituci. Pokud souhrnn\u00e1 v\u00fd\u0161e vklad\u016f jedn\u00e9 osoby v\u00a0jedn\u00e9 instituci tento limit p\u0159esahuje, je vhodn\u00e9 \u010d\u00e1stku rozd\u011blit mezi v\u00edcero finan\u010dn\u00edch instituc\u00ed a zajistit tak pln\u00e9 kryt\u00ed pro sv\u00e9 \u00faspory.<\/p>\n","protected":false},"excerpt":{"rendered":"

\u017de jsou vklady v\u00a0bank\u00e1ch, stavebn\u00edch spo\u0159iteln\u00e1ch a dru\u017estevn\u00edch z\u00e1lo\u017en\u00e1ch ze z\u00e1kona poji\u0161t\u011bn\u00e9 do v\u00fd\u0161e 100\u00a0000 euro (respektive ve v\u00fdjime\u010dn\u00fdch p\u0159\u00edpadech a\u017e do dvojn\u00e1sobku t\u00e9to \u010d\u00e1stky), […]<\/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":[4,18],"tags":[],"class_list":["post-1698","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banky","category-legislativa"],"_links":{"self":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1698","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=1698"}],"version-history":[{"count":2,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1698\/revisions"}],"predecessor-version":[{"id":1700,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1698\/revisions\/1700"}],"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=1698"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1698"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1698"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}