{"id":2165,"date":"2023-11-03T07:31:26","date_gmt":"2023-11-03T07:31:26","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=2165"},"modified":"2023-11-03T07:31:26","modified_gmt":"2023-11-03T07:31:26","slug":"nektere-obce-muzou-mit-sve-vklady-ze-zakona-pojistene-jak-na-to","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=2165","title":{"rendered":"N\u011bkter\u00e9 obce m\u016f\u017eou m\u00edt sv\u00e9 vklady ze z\u00e1kona poji\u0161t\u011bn\u00e9. Jak na to?"},"content":{"rendered":"

Poji\u0161t\u011bn\u00ed vklad\u016f do v\u00fd\u0161e 100\u00a0000 euro se podle z\u00e1kona vztahuje i na n\u011bkter\u00e9 men\u0161\u00ed obce. Na rozd\u00edl od poji\u0161t\u011bn\u00ed vklad\u016f u fyzick\u00fdch a pr\u00e1vnick\u00fdch osob nevznik\u00e1 tato garance automaticky. Jak tedy zabezpe\u010dit, aby byly vklady obce ze z\u00e1kona poji\u0161t\u011bn\u00e9? A kter\u00e9 obce na poji\u0161t\u011bn\u00ed maj\u00ed n\u00e1rok? <\/strong><\/p>\n

Poji\u0161t\u011bn\u00ed vklad\u016f v\u00a0bank\u00e1ch, dru\u017estevn\u00edch z\u00e1lo\u017en\u00e1ch a stavebn\u00edch spo\u0159iteln\u00e1ch neplat\u00ed pouze pro fyzick\u00e9 a pr\u00e1vnick\u00e9 osoby, m\u016f\u017eou jej vyu\u017e\u00edt tak\u00e9 n\u011bkter\u00e9 obce. Konkr\u00e9tn\u011b ty, jejich\u017e da\u0148ov\u00e9 p\u0159\u00edjmy nep\u0159esahuj\u00ed ekvivalent 500\u00a0000 euro ro\u010dn\u011b, tj. n\u011bco p\u0159es 12 milion\u016f korun. Celkem je v\u00a0\u010cesku takov\u00fdch obc\u00ed zhruba 4500.<\/p>\n

Na rozd\u00edl od z\u00e1konn\u00e9ho poji\u0161t\u011bn\u00ed vklad\u016f fyzick\u00fdch a pr\u00e1vnick\u00fdch osob nejsou vklady obc\u00ed poji\u0161t\u011bny automaticky, ale a\u017e na z\u00e1klad\u011b \u017e\u00e1dosti a dolo\u017een\u00ed spln\u011bn\u00ed z\u00e1konn\u00fdch podm\u00ednek.<\/p>\n

Poji\u0161t\u011bn\u00ed vklad\u016f u obc\u00ed je upraveno v \u00a741c, odst.6 a\u017e 9,\u00a0z\u00e1kona \u010d.\u00a0 21\/1992 Sb., o bank\u00e1ch. Podle n\u011bj o poji\u0161t\u011bn\u00ed sv\u00fdch vklad\u016f mus\u00ed obec banku po\u017e\u00e1dat a dolo\u017eit j\u00ed spln\u011bn\u00ed z\u00e1konn\u00fdch podm\u00ednek. \u017d\u00e1dost se pod\u00e1v\u00e1 bance, dru\u017estevn\u00ed z\u00e1lo\u017en\u011b, p\u0159\u00edpadn\u011b stavebn\u00ed spo\u0159iteln\u011b, kde m\u00e1 obec veden \u00fa\u010det, respektive ulo\u017eeny vklady, kter\u00e9 by m\u011bly podl\u00e9hat poji\u0161t\u011bn\u00ed.<\/p>\n

D\u016fle\u017eit\u00e9 je dodr\u017een\u00ed a ka\u017edoro\u010dn\u00ed opakov\u00e1n\u00ed procesu, nebo\u0165 poji\u0161t\u011bn\u00ed vklad\u016f se vztahuje v\u017edy jen na p\u0159\u00edslu\u0161n\u00fd kalend\u00e1\u0159n\u00ed rok, pro kter\u00fd obec dokl\u00e1d\u00e1 spln\u011bn\u00ed podm\u00ednek. Je to administrativn\u00ed procedura, p\u0159i kter\u00e9 obec mus\u00ed spolupracovat s bankou, u kter\u00e9 m\u00e1 \u00fa\u010det, respektive vyu\u017e\u00edv\u00e1 n\u011bkter\u00fd z\u00a0finan\u010dn\u00edch produkt\u016f, na kter\u00fd by se mohlo vztahovat poji\u0161t\u011bn\u00ed vklad\u016f. Finan\u010dn\u00ed instituce mus\u00ed obci vydat potvrzen\u00ed o vzniku poji\u0161t\u011bn\u00ed vklad\u016f. Teprve a\u017e po vyd\u00e1n\u00ed tohoto potvrzen\u00ed jsou vklady obce poji\u0161t\u011bny.<\/p>\n

Bli\u017e\u0161\u00ed informace o z\u00e1konn\u00e9m poji\u0161t\u011bn\u00ed vklad\u016f obc\u00ed naleznete na webu Garan\u010dn\u00edho syst\u00e9mu:<\/strong><\/p>\n

https:\/\/www.garancnisystem.cz\/pro-obce<\/a><\/p>\n

Ren\u00e1ta Kadlecov\u00e1, v\u00fdkonn\u00e1 \u0159editelka Garan\u010dn\u00edho syst\u00e9mu finan\u010dn\u00edho trhu<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Poji\u0161t\u011bn\u00ed vklad\u016f do v\u00fd\u0161e 100\u00a0000 euro se podle z\u00e1kona vztahuje i na n\u011bkter\u00e9 men\u0161\u00ed obce. Na rozd\u00edl od poji\u0161t\u011bn\u00ed vklad\u016f u fyzick\u00fdch a pr\u00e1vnick\u00fdch osob […]<\/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":[32,18],"tags":[],"class_list":["post-2165","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","category-legislativa"],"_links":{"self":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/2165","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=2165"}],"version-history":[{"count":1,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/2165\/revisions"}],"predecessor-version":[{"id":2166,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/2165\/revisions\/2166"}],"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=2165"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2165"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2165"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}