[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.awebio.cz\/rodiny-bohatnou-ale-ne-vsechny\/#Article","mainEntityOfPage":"https:\/\/www.awebio.cz\/rodiny-bohatnou-ale-ne-vsechny\/","headline":"Rodiny bohatnou, ale ne v\u0161echny!","name":"Rodiny bohatnou, ale ne v\u0161echny!","description":"Zaj\u00edmavou studii s n\u00e1zvem Finan\u010dn\u00ed chov\u00e1n\u00ed dom\u00e1cnosti v \u010cesk\u00e9 republice v teorii a praxi vypracovali odborn\u00edci z Vysok\u00e9 \u0161koly ekonomick\u00e9 pro \u010ceskou bankovn\u00ed asociaci. Uveden\u00e1 pr\u00e1ce analyzovala dostupn\u00e9 \u00fadaje od roku 1993 do roku 2017. V\u00fdsledkem t\u00e9to anal\u00fdzy jsou v\u00fdborn\u00e9 zpr\u00e1vy pro \u010cechy a samoz\u0159ejm\u011b potvrzuj\u00ed pom\u011brn\u011b dobrou situaci v \u010desk\u00e9 ekonomice. \u010cesk\u00e9 dom\u00e1cnosti toti\u017e […]","datePublished":"2019-06-19","dateModified":"2019-06-19","author":{"@type":"Person","@id":"https:\/\/www.awebio.cz\/author\/#Person","name":"","url":"https:\/\/www.awebio.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/04053961f5a3d2af1f56d865c7fc774bb6a80b9754b2f4c57fa4f8cefa253bd4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/04053961f5a3d2af1f56d865c7fc774bb6a80b9754b2f4c57fa4f8cefa253bd4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"awebio.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.awebio.cz\/wp-content\/uploads\/img_a347264_w2531_t1561475038.png","url":"https:\/\/www.awebio.cz\/wp-content\/uploads\/img_a347264_w2531_t1561475038.png","height":0,"width":0},"url":"https:\/\/www.awebio.cz\/rodiny-bohatnou-ale-ne-vsechny\/","wordCount":415,"articleBody":"Zaj\u00edmavou studii s n\u00e1zvem Finan\u010dn\u00ed chov\u00e1n\u00ed dom\u00e1cnosti v \u010cesk\u00e9 republice v teorii a praxi vypracovali odborn\u00edci z Vysok\u00e9 \u0161koly ekonomick\u00e9 pro \u010ceskou bankovn\u00ed asociaci.Uveden\u00e1 pr\u00e1ce analyzovala dostupn\u00e9 \u00fadaje od roku 1993 do roku 2017. V\u00fdsledkem t\u00e9to anal\u00fdzy jsou v\u00fdborn\u00e9 zpr\u00e1vy pro \u010cechy a samoz\u0159ejm\u011b potvrzuj\u00ed pom\u011brn\u011b dobrou situaci v \u010desk\u00e9 ekonomice. \u010cesk\u00e9 dom\u00e1cnosti toti\u017e bohatnou rychleji, ne\u017eli se zadlu\u017euj\u00ed, co\u017e je v souvislosti s avizovanou bl\u00ed\u017e\u00edc\u00ed se glob\u00e1ln\u00ed finan\u010dn\u00ed kriz\u00ed velmi dobrou zpr\u00e1vou nejen pro odborn\u00edky, ale i pro \u0161irokou ve\u0159ejnost. Bilance dom\u00e1cnost\u00ed u bank byla v\u0161ak pozitivn\u00ed po celou sledovanou dobu. Vklady dom\u00e1cnost\u00ed proti \u00fav\u011br\u016fm, kter\u00e9 u bank maj\u00ed, byla ke konci sledovan\u00e9ho obdob\u00ed podle anal\u00fdzy vy\u0161\u0161\u00ed dokonce o 772 miliardy korun. To znamen\u00e1, \u017ee do bank vkl\u00e1d\u00e1me mnohem v\u00edce, ne\u017e si p\u016fj\u010dujeme.Z\u00e1rove\u0148 z pr\u00e1ce vych\u00e1z\u00ed, \u017ee \u010desk\u00e9 dom\u00e1cnosti na sv\u00e9 \u00fa\u010dty vkl\u00e1daj\u00ed \u010d\u00edm d\u00e1l sv\u00fdch pen\u011bz a nejv\u00edce takov\u00fdch finan\u010dn\u00edch prost\u0159edk\u016f jsou vedeny na b\u011b\u017en\u00fdch a spo\u0159\u00edc\u00edch \u00fa\u010dtech. Term\u00ednov\u00e9 vklady se dostaly na v\u00fdslun\u00ed u\u017e v prvn\u00ed \u010d\u00e1sti sledovan\u00e9ho obdob\u00ed, ale jejich popularita klesla po finan\u010dn\u00ed krizi v roce 2008. To zna\u010d\u00ed, \u017ee \u010ce\u0161i jsou st\u00e1le v\u00fdrazn\u011b konzervativn\u00ed a finan\u010dn\u00ed rezervu si st\u00e1le cht\u011bj\u00ed dr\u017eet tak, aby ji m\u011bli v p\u0159\u00edpad\u011b pot\u0159eby k dispozici.Samoz\u0159ejm\u011b uchov\u00e1v\u00e1n\u00ed pen\u011bz na b\u011b\u017en\u00fdch a spo\u0159\u00edc\u00edch \u00fa\u010dtech souvis\u00ed velmi intenzivn\u011b s t\u00edm, \u017ee \u00farokov\u00e9 sazby na term\u00ednovan\u00fdch vkladech jsou na rekordn\u011b n\u00edzk\u00fdch hranic\u00edch.Samoz\u0159ejm\u011b je pot\u0159eba si uv\u011bdomit, a vypl\u00fdv\u00e1 to i z uveden\u00e9 anal\u00fdzy, \u017ee jedna skupina dom\u00e1cnost\u00ed v\u00fdrazn\u011b \u0161et\u0159i a vytv\u00e1\u0159\u00ed si v bank\u00e1ch depozita, zat\u00edmco druh\u00e1 skupina rodin si v bank\u00e1ch naopak pen\u00edze mus\u00ed p\u016fj\u010dovat.Sice v\u00fdsledky vypadaj\u00ed v podstat\u011b v\u00fdborn\u011b, nicm\u00e9n\u011b tato situace nazna\u010duje, \u017ee jedna skupina dom\u00e1cnost\u00ed je zna\u010dn\u011b p\u0159edlu\u017een\u00e1.Je ur\u010dit\u011b dobr\u00e9 se zamyslet nad t\u00edm, jak se situace v rodin\u00e1ch m\u00e1 a ka\u017ed\u00fd z n\u00e1s by m\u011bl db\u00e1t na svoje finance i za cenu ni\u017e\u0161\u00edho pohodl\u00ed a luxusu, kter\u00fd si chceme dop\u0159\u00e1t.\u00a0\u00a0                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Rodiny bohatnou, ale ne v\u0161echny!","item":"https:\/\/www.awebio.cz\/rodiny-bohatnou-ale-ne-vsechny\/#breadcrumbitem"}]}]