{"id":2045,"date":"2023-10-03T06:17:15","date_gmt":"2023-10-03T06:17:15","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=2045"},"modified":"2023-10-03T06:17:15","modified_gmt":"2023-10-03T06:17:15","slug":"vzdelani-nejvetsi-garance-bezpecnosti-vkladu-ve-financnich-institucich","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=2045","title":{"rendered":"Vzd\u011bl\u00e1n\u00ed: nejv\u011bt\u0161\u00ed garance bezpe\u010dnosti vklad\u016f ve finan\u010dn\u00edch instituc\u00edch"},"content":{"rendered":"<p><strong>V dob\u011b, kdy m\u00e1 v\u011bt\u0161ina klient\u016f p\u0159\u00edstup do banky z\u00a0mobiln\u00edho telefonu, je velmi snadn\u00e9 p\u0159esouvat finan\u010dn\u00ed prost\u0159edky z\u00a0jedn\u00e9 banky do druh\u00e9 na jedno kliknut\u00ed v\u00a0\u0159\u00e1du sekund. O tom se mohly tak\u00e9 celkem ned\u00e1vno p\u0159esv\u011bd\u010dit bankovn\u00ed syst\u00e9my v\u00a0USA a \u0160v\u00fdcarsku, kde do\u0161lo ke krachu v\u011bt\u0161\u00edch bank pr\u00e1v\u011b d\u00edky n\u00e1hl\u00e9mu odlivu vklad\u016f, kter\u00fd byl vyvol\u00e1n p\u0159edev\u0161\u00edm masov\u00fdm sd\u00edlen\u00edm p\u0159\u00edsp\u011bvk\u016f na soci\u00e1ln\u00edch s\u00edt\u00edch.<\/strong><!--more--><\/p>\n<p>Jak zabr\u00e1nit opakov\u00e1n\u00ed takov\u00e9to situace v\u00a0budoucnu? V\u00fdzvou se mus\u00ed v\u00a0prvn\u00ed \u0159ad\u011b zab\u00fdvat z\u00e1konod\u00e1rci, a to p\u0159i stanoven\u00ed optim\u00e1ln\u00ed hranice ochrany vklad\u016f, stejn\u011b jako i regul\u00e1to\u0159i upravuj\u00edc\u00ed bankovn\u00ed podnik\u00e1n\u00ed.<\/p>\n<p>V\u00fdznamnou \u00falohu zejm\u00e9na z\u00a0dlouhodob\u00e9ho hlediska v\u00a0tomto bude hr\u00e1t syst\u00e9m finan\u010dn\u00edho vzd\u011bl\u00e1v\u00e1n\u00ed. Jen vzd\u011blan\u00fd a informovan\u00fd klient dok\u00e1\u017ee l\u00e9pe spravovat sv\u00e9 finan\u010dn\u00ed prost\u0159edky, diverzifikovat vklady, rozli\u0161ovat investov\u00e1n\u00ed od spo\u0159en\u00ed a m\u00e1 men\u0161\u00ed tendenci podl\u00e9hat panice. V\u00ed moc dob\u0159e, \u017ee jeho vklady v\u00a0bank\u00e1ch jsou pro ka\u017ed\u00fd p\u0159\u00edpad chr\u00e1n\u011bn\u00e9.<\/p>\n<p>Jde o v\u00fdzvu pro ka\u017ed\u00e9ho z\u00a0n\u00e1s, zejm\u00e9na pak pro pedagogy a organizace, kter\u00e9 pom\u00e1haj\u00ed \u0161kol\u00e1m s\u00a0roz\u0161i\u0159ov\u00e1n\u00edm finan\u010dn\u00ed gramotnosti. Neopom\u00ednejme p\u0159i vzd\u011bl\u00e1v\u00e1n\u00ed d\u011bt\u00ed (ale koneckonc\u016f i dosp\u011bl\u00fdch) na t\u00e9mata spojen\u00e1 se stabilitou bankovn\u00edho sektoru, poji\u0161t\u011bn\u00ed vklad\u016f a z\u00e1konn\u00fdch garanc\u00ed.<\/p>\n<p><strong>Ren\u00e1ta Kadlecov\u00e1, v\u00fdkonn\u00e1 \u0159editelka Garan\u010dn\u00edho syst\u00e9mu<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>V dob\u011b, kdy m\u00e1 v\u011bt\u0161ina klient\u016f p\u0159\u00edstup do banky z\u00a0mobiln\u00edho telefonu, je velmi snadn\u00e9 p\u0159esouvat finan\u010dn\u00ed prost\u0159edky z\u00a0jedn\u00e9 banky do druh\u00e9 na jedno kliknut\u00ed v\u00a0\u0159\u00e1du <a class=\"mh-excerpt-more\" href=\"https:\/\/www.czechbankingnews.cz\/?p=2045\" title=\"Vzd\u011bl\u00e1n\u00ed: nejv\u011bt\u0161\u00ed garance bezpe\u010dnosti vklad\u016f ve finan\u010dn\u00edch instituc\u00edch\">[&#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":[4,23],"tags":[],"class_list":["post-2045","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banky","category-vzdelani"],"_links":{"self":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/2045","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=2045"}],"version-history":[{"count":2,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/2045\/revisions"}],"predecessor-version":[{"id":2047,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/2045\/revisions\/2047"}],"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=2045"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2045"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2045"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}