[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bicorn.cz\/stat-penize-a-banky-o-cem-se-nehovori\/#Article","mainEntityOfPage":"https:\/\/www.bicorn.cz\/stat-penize-a-banky-o-cem-se-nehovori\/","headline":"St\u00e1t, pen\u00edze a banky \u2013 o \u010dem se nehovo\u0159\u00ed","name":"St\u00e1t, pen\u00edze a banky \u2013 o \u010dem se nehovo\u0159\u00ed","description":"Centr\u00e1ln\u00ed banky v\u00a0ka\u017ed\u00e9 zemi jsou ve velk\u00e9 m\u00ed\u0159e \u0159\u00edzeny soukrom\u00fdmi z\u00e1jmy ze sv\u011bta komer\u010dn\u00edho bankovnictv\u00ed.\u00a0 Banky jsou firmy, kter\u00e9 vytv\u00e1\u0159ej\u00ed sv\u016fj zisk z\u00a0\u00farok\u016f p\u016fj\u010dek, kter\u00e9 n\u00e1m poskytnou. Banky rozhoduj\u00ed, komu p\u016fj\u010d\u00ed,\u00a0 co,\u00a0kde a kdo to bude vyr\u00e1b\u011bt. Rozhoduj\u00ed tak, aby to bylo pro banku ziskov\u00e9, ale jestli je to prosp\u011b\u0161n\u00e9","datePublished":"2025-09-30","dateModified":"2025-09-30","author":{"@type":"Person","@id":"https:\/\/www.bicorn.cz\/author\/#Person","name":"","url":"https:\/\/www.bicorn.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c47baa405891a9bbddd7acd919a692d2b0c5a8f5f5ac49161535688cab5c72a8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c47baa405891a9bbddd7acd919a692d2b0c5a8f5f5ac49161535688cab5c72a8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bicorn.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.bicorn.cz\/stat-penize-a-banky-o-cem-se-nehovori\/","wordCount":405,"articleBody":"Centr\u00e1ln\u00ed banky v\u00a0ka\u017ed\u00e9 zemi jsou ve velk\u00e9 m\u00ed\u0159e \u0159\u00edzeny soukrom\u00fdmi z\u00e1jmy ze sv\u011bta komer\u010dn\u00edho bankovnictv\u00ed.\u00a0Banky jsou firmy, kter\u00e9 vytv\u00e1\u0159ej\u00ed sv\u016fj zisk z\u00a0\u00farok\u016f p\u016fj\u010dek, kter\u00e9 n\u00e1m poskytnou.Banky rozhoduj\u00ed, komu p\u016fj\u010d\u00ed,\u00a0 co,\u00a0kde a kdo to bude vyr\u00e1b\u011bt. Rozhoduj\u00ed tak, aby to bylo pro banku ziskov\u00e9, ale jestli je to prosp\u011b\u0161n\u00e9 pro spole\u010dnost, to u\u017e nen\u00ed pro n\u011b d\u016fle\u017eit\u00e9.\u00darok z\u00a0p\u016fj\u010dek je v\u017edy splatn\u00fd, bez ohledu na \u00fasp\u011bch dan\u00e9 firmy.Banky neriskuj\u00ed t\u00edm, \u017ee by investovaly do re\u00e1ln\u00e9ho podniku, oni jen p\u016fj\u010duj\u00ed.\u00a0Pen\u00edze \u2013 co to jePokud by jsme to vyj\u00e1d\u0159ili velmi jednodu\u0161e \u2013 je to prost\u0159edek, kter\u00fd vyu\u017e\u00edv\u00e1me na sm\u011bnu zbo\u017e\u00ed a\u00a0slu\u017eeb. Mus\u00edme je akceptovat p\u0159i n\u00e1kupu a\u00a0prodeji.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Pen\u00edze \u2013 ob\u011b\u017eivomus\u00ed b\u00fdt v\u017edy v\u00a0dostate\u010dn\u00e9m mno\u017estv\u00ed k\u00a0dispozici, aby se udr\u017eel obchod a\u00a0aktivn\u00ed ekonomika\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Odpov\u011bdnost za dostatek pen\u011bz v\u00a0ob\u011bhuka\u017ed\u00fd n\u00e1rod m\u00e1 svou centr\u00e1ln\u00ed banku, kter\u00e1 je bank\u00e9\u0159em pro komer\u010dn\u00ed banky a vl\u00e1du\u00a0Jak si p\u016fj\u010duje pen\u00edze vl\u00e1daPen\u00edze bank jsou vytvo\u0159en\u00e9 z\u00a0dluh\u016f a\u00a0pak jako \u201enov\u00e9 pen\u00edze\u201c vstupuj\u00ed zp\u011bt do ekonomiky. Kdy\u017e si pen\u00edze p\u016fj\u010duje vl\u00e1da, na opl\u00e1tku vyd\u00e1v\u00e1 st\u00e1tn\u00ed cenn\u00e9 pap\u00edry \u2013 dluhopisy, kter\u00e9\u00a0 slibuj\u00ed k\u00a0ur\u010dit\u00e9mu datu splatit p\u016f\u010dku s\u00a0\u00farokem. Tyto st\u00e1tn\u00ed cenn\u00e9 pap\u00edry nakupuj\u00ed p\u0159edev\u0161\u00edm banky.Ale mohou je nakoupit penzijn\u00ed a\u00a0investi\u010dn\u00ed fondy, i jedinci, kte\u0159\u00ed maj\u00ed voln\u00e9 prost\u0159edky. Pokud si st\u00e1tn\u00ed dluhopisy koup\u00ed banky, je to z\u00a0jejich strany vytvo\u0159en\u00ed pen\u011bz \u2013 z\u00a0ni\u010deho. Vl\u00e1da tak z\u00edsk\u00e1v\u00e1 nov\u00e9 pen\u00edze ve form\u011b p\u016fj\u010dek, kter\u00e9 vynakl\u00e1d\u00e1 nap\u0159\u00edklad na ve\u0159ejn\u00e9 slu\u017eby. Kdyby t\u00edmto zp\u016fsobem pen\u00edze nevznikly, d\u016fsledkem by bylo sn\u00ed\u017een\u00ed ekonomick\u00e9 aktivity – zam\u011bstnanost obyvatelstva.\u00a0Shrnut\u00ed: \u00a0\u00fav\u011br poskytnut\u00fd vl\u00e1d\u011b je st\u00e1tn\u00edm dluhem a\u00a0je d\u016fle\u017eitou, a\u017e z\u00e1sadn\u00ed sou\u010d\u00e1st\u00ed celkov\u011b pen\u011b\u017en\u00ed z\u00e1soby st\u00e1tu.\u00a0V\u00e1lka \u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Smutn\u00e1 realita\u00a0 …znamen\u00e1 v\u017edy velk\u00e9 zv\u00fd\u0161en\u00ed st\u00e1tn\u00edho dluhu\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Enormn\u00ed zisky bro banky                                                                                                                                                                                                                                                                                                                                                                                        4\/5 - (3 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"St\u00e1t, pen\u00edze a banky \u2013 o \u010dem se nehovo\u0159\u00ed","item":"https:\/\/www.bicorn.cz\/stat-penize-a-banky-o-cem-se-nehovori\/#breadcrumbitem"}]}]