{"id":189,"date":"2022-11-22T21:26:00","date_gmt":"2022-11-22T21:26:00","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=189"},"modified":"2022-11-23T12:06:49","modified_gmt":"2022-11-23T12:06:49","slug":"gsft-cesi-prechazeji-na-sporici-ucty-ukazal-pruzkum","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=189","title":{"rendered":"Pr\u016fzkum GSFT: \u010ce\u0161i p\u0159ech\u00e1zej\u00ed na spo\u0159ic\u00ed \u00fa\u010dty"},"content":{"rendered":"<p><strong>Celo\u017eivotn\u00ed \u00faspory si \u010ce\u0161i u\u017e neschov\u00e1vaj\u00ed doma, uk\u00e1zal pr\u016fzkum, kter\u00fd v\u00fdzkumn\u00e1 agentura Response: NOW provedla na vzorku 1139 respondent\u016f pro Garan\u010dn\u00ed syst\u00e9m finan\u010dn\u00edho trhu letos na podzim. Z dat vypl\u00fdv\u00e1, \u017ee si je naopak p\u0159esouvaj\u00ed na spo\u0159ic\u00ed \u00fa\u010dty, pro kter\u00e9 nyn\u00ed banky za\u010daly nab\u00edzet zaj\u00edmav\u011bj\u0161\u00ed \u00faroky.<\/strong><\/p>\n<p><!--more--><\/p>\n<p>K\u00a0tomu, \u017ee si alespo\u0148 n\u011bjakou hotovost schov\u00e1vaj\u00ed doma, se p\u0159iznalo 56 % \u010cech\u016f. \u0160estat\u0159icet procent v\u0161ak m\u00e1 doma \u010d\u00e1stky jen do p\u011bti tis\u00edc korun, kter\u00e9 slou\u017e\u00ed k\u00a0pokryt\u00ed n\u00e1hl\u00e9ho v\u00fddaje. Dal\u0161\u00edch 17 % uvedlo, \u017ee si schov\u00e1vaj\u00ed doma hotovost maxim\u00e1ln\u011b do v\u00fd\u0161e 50\u00a0000 korun.<\/p>\n<p>Vy\u0161\u0161\u00ed \u010d\u00e1stky pak doma uchov\u00e1v\u00e1 jen zlomek obyvatel \u2013 konkr\u00e9tn\u011b do 100\u00a0000 korun pouze \u00a0\u00a02 % a \u010d\u00e1stky vy\u0161\u0161\u00ed ne\u017e 100\u00a0000 korun 0,7 % dot\u00e1zan\u00fdch. \u201eZ toho n\u00e1m vypl\u00fdv\u00e1, \u017ee lid\u00e9 cht\u011bj\u00ed m\u00edt pen\u00edze v\u00a0bezpe\u010d\u00ed. A proto si zbyte\u010dn\u011b velk\u00e9 obnosy nenech\u00e1vaj\u00ed doma. Pokud si sv\u00e9 \u00faspory ulo\u017e\u00ed do banky, stavebn\u00ed spo\u0159itelny nebo dru\u017estevn\u00ed z\u00e1lo\u017eny, vztahuje se na n\u011b z\u00e1konn\u00e9 poji\u0161t\u011bn\u00ed vklad\u016f. Tato garance bezpochyby pom\u00e1h\u00e1 tomu, \u017ee lid\u00e9 finan\u010dn\u00edm instituc\u00edm d\u016fv\u011b\u0159uj\u00ed st\u00e1le v\u00edce,\u201c vysv\u011btluje \u0159editelka Garan\u010dn\u00edho syst\u00e9mu finan\u010dn\u00edho trhu Ren\u00e1ta Kadlecov\u00e1. Data hovo\u0159\u00ed jasn\u011b \u2013 zat\u00edmco v\u00a0roce 2017 bank\u00e1m d\u016fv\u011b\u0159ovalo 84 % \u010cech\u016f, letos je to u\u017e 89 %. Podobn\u00fd n\u00e1r\u016fst zaznamenaly i stavebn\u00ed spo\u0159itelny nebo dru\u017estevn\u00ed z\u00e1lo\u017eny.<\/p>\n<p><strong>Pen\u00edze? Na \u201espo\u0159\u00e1k\u201c!<\/strong><\/p>\n<p>V\u00a0porovn\u00e1n\u00ed s\u00a0dobou p\u0159ed p\u011bti lety velmi vyrostla obliba spo\u0159ic\u00edch \u00fa\u010dt\u016f. Zat\u00edmco v\u00a0roce 2017 je vyu\u017e\u00edvalo 41 % dot\u00e1zan\u00fdch, dnes toto \u010d\u00edslo vyrostlo na 65 %. \u201eSpo\u0159ic\u00ed \u00fa\u010det je obl\u00edben\u00fd finan\u010dn\u00ed produkt k\u00a0flexibiln\u00edmu ulo\u017een\u00ed finan\u010dn\u00edch prost\u0159edk\u016f. V\u011bt\u0161inou se na n\u011bj nevztahuj\u00ed \u017e\u00e1dn\u00e9 podm\u00ednky, za jak\u00fdch je mo\u017en\u00e9 \u00faspory vyb\u00edrat, jako je tomu t\u0159eba u term\u00ednovan\u00fdch vklad\u016f. V\u00a0posledn\u00edch m\u011bs\u00edc\u00edch se nav\u00edc zv\u00fd\u0161ila \u00farokov\u00e1 sazba, kterou se \u00faspory na \u00fa\u010dtu \u00faro\u010d\u00ed. A co je nejd\u016fle\u017eit\u011bj\u0161\u00ed \u2013 na vklady na spo\u0159ic\u00edch \u00fa\u010dtech se vztahuje z\u00e1konn\u00e9 poji\u0161t\u011bn\u00ed vklad\u016f. Tak\u017ee v\u00a0p\u0159\u00edpad\u011b krachu finan\u010dn\u00ed instituce z\u00edskaj\u00ed lid\u00e9 sv\u00e9 \u00faspory zp\u011bt, a to a\u017e do v\u00fd\u0161e ekvivalentu 100\u00a0000 euro,\u201c vysv\u011btluje Renata Kadlecov\u00e1.<\/p>\n<p>O 7 procent se tak\u00e9 zv\u00fd\u0161il po\u010det u\u017eivatel\u016f b\u011b\u017en\u00fdch \u00fa\u010dt\u016f, o 11 % zase t\u011bch, kte\u0159\u00ed vyu\u017e\u00edvaj\u00ed stavebn\u00ed spo\u0159en\u00ed. Zv\u00fd\u0161il se i po\u010det t\u011bch, kte\u0159\u00ed vyu\u017e\u00edvaj\u00ed term\u00ednovan\u00e9 vklady \u2013 z\u00a06 % na 14 %. Na v\u0161echny tyto produkty se takt\u00e9\u017e vztahuje z\u00e1konn\u00e9 poji\u0161t\u011bn\u00ed vklad\u016f.<\/p>\n<p><strong>Jak vybrat banku? Lid\u00e9 maj\u00ed jasno<\/strong><\/p>\n<p>Za nejd\u016fle\u017eit\u011bj\u0161\u00ed atributy p\u0159i v\u00fdb\u011bru finan\u010dn\u00ed instituce dotazov\u00e1n\u00ed \u010ce\u0161i pova\u017euj\u00ed pov\u011bst a d\u016fv\u011bryhodnost dan\u00e9 instituce (81 %), v\u00fd\u0161i poplatk\u016f (80 %) a nab\u00edzenou v\u00fd\u0161i \u00farok\u016f nebo v\u00fdnos\u016f z\u00a0investice (79 %). Dal\u0161\u00ed d\u016fle\u017eit\u00e9 atributy jsou v\u00fd\u0161e rizika, kter\u00e1 je spojen\u00e1 s\u00a0investic\u00ed (77 %) a fakt, zda je produkt, kam \u010dlov\u011bk sv\u00e9 pen\u00edze ukl\u00e1d\u00e1, poji\u0161t\u011bn (76 %).<\/p>\n<p>Naopak jako m\u00e9n\u011b d\u016fle\u017eit\u00e9 ozna\u010duj\u00ed lid\u00e9 to, zda m\u00e1 instituce s\u00eddlo v\u00a0\u010cesk\u00e9 republice (53 %), zda jsou lid\u00e9 ji\u017e klientem finan\u010dn\u00ed instituce (42 %) a to, zda jim finan\u010dn\u00ed instituci doporu\u010dil n\u011bkdo zn\u00e1m\u00fd nebo p\u0159\u00edbuzn\u00fd (37 %).<\/p>\n<p>\u201eZ hlediska poji\u0161t\u011bn\u00ed vklad\u016f doporu\u010dujeme sledovat, zda je finan\u010dn\u00ed produkt, kam lid\u00e9 sv\u00e9 pen\u00edze ukl\u00e1daj\u00ed, poji\u0161t\u011bn. Informace o tom z\u00edskaj\u00ed lid\u00e9 p\u0159\u00edmo od dan\u00e9 finan\u010dn\u00ed instituce, kter\u00e1 je povinna klienta o poji\u0161t\u011bn\u00ed nab\u00edzen\u00e9ho produktu informovat, anebo na webu Garan\u010dn\u00edho syst\u00e9mu. D\u016fle\u017eit\u00e9 je tak\u00e9 vn\u00edmat limit poji\u0161t\u011bn\u00ed vklad\u016f \u2013 ekvivalent 100\u00a0000 euro. Pokud maj\u00ed lid\u00e9 k ulo\u017een\u00ed v\u00edce ne\u017e 100\u00a0000 euro, doporu\u010dujeme tuto \u010d\u00e1stku rozd\u011blit mezi v\u00edce finan\u010dn\u00edch instituc\u00ed \u2013 tak, aby se limit poji\u0161t\u011bn\u00ed vklad\u016f vztahoval na celou v\u00fd\u0161i \u010d\u00e1stky,\u201c uzav\u00edr\u00e1 Ren\u00e1ta Kadlecov\u00e1.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>Celo\u017eivotn\u00ed \u00faspory si \u010ce\u0161i u\u017e neschov\u00e1vaj\u00ed doma, uk\u00e1zal pr\u016fzkum, kter\u00fd v\u00fdzkumn\u00e1 agentura Response: NOW provedla na vzorku 1139 respondent\u016f pro Garan\u010dn\u00ed syst\u00e9m finan\u010dn\u00edho trhu letos <a class=\"mh-excerpt-more\" href=\"https:\/\/www.czechbankingnews.cz\/?p=189\" title=\"Pr\u016fzkum GSFT: \u010ce\u0161i p\u0159ech\u00e1zej\u00ed na spo\u0159ic\u00ed \u00fa\u010dty\">[&#8230;]<\/a><\/p>\n<\/div>","protected":false},"author":2,"featured_media":190,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"class_list":["post-189","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-analyza"],"_links":{"self":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/189","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\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=189"}],"version-history":[{"count":2,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/189\/revisions"}],"predecessor-version":[{"id":206,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/189\/revisions\/206"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/190"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=189"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=189"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=189"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}