[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.papajam.sk\/vkladame-peniaze-do-komercnej-banky\/#Article","mainEntityOfPage":"https:\/\/www.papajam.sk\/vkladame-peniaze-do-komercnej-banky\/","headline":"Vklad\u00e1me peniaze do komer\u010dnej banky","name":"Vklad\u00e1me peniaze do komer\u010dnej banky","description":"Ak sa spomen\u00fa financie, neodmyslite\u013ene sa mus\u00edme pozastavi\u0165 i nad t\u00e9mou, ktorou s\u00fa komer\u010dn\u00e9 banky. Tieto banky toti\u017e maj\u00fa neust\u00e1ly pr\u00edstup k financi\u00e1m ich pravideln\u00e1 pr\u00e1ca s\u00favis\u00ed jedine s financiami. Tak\u017ee nahliadnime do tejto t\u00e9my trochu hlb\u0161ie. Konkr\u00e9tne sa budem venova\u0165 \u00fakonu, ak\u00fdm s\u00fa vklady. Rozoberme si vklady na po\u017eiadanie, inak zn\u00e1me i ako vistavklady....","datePublished":"2018-01-18","dateModified":"2023-10-29","author":{"@type":"Person","@id":"https:\/\/www.papajam.sk\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.papajam.sk\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e4532b7f65738965bbad8697e5bd54c0628af7bffe8d3c856885c44d86978cee?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e4532b7f65738965bbad8697e5bd54c0628af7bffe8d3c856885c44d86978cee?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"papajam.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.papajam.sk\/wp-content\/uploads\/img_a285945_w16477_t1521406534.png","url":"https:\/\/www.papajam.sk\/wp-content\/uploads\/img_a285945_w16477_t1521406534.png","height":0,"width":0},"url":"https:\/\/www.papajam.sk\/vkladame-peniaze-do-komercnej-banky\/","about":["Ekonomika"],"wordCount":419,"articleBody":"Ak sa spomen\u00fa financie, neodmyslite\u013ene sa mus\u00edme pozastavi\u0165 i nad t\u00e9mou, ktorou s\u00fa komer\u010dn\u00e9 banky. Tieto banky toti\u017e maj\u00fa neust\u00e1ly pr\u00edstup k financi\u00e1m ich pravideln\u00e1 pr\u00e1ca s\u00favis\u00ed jedine s financiami. Tak\u017ee nahliadnime do tejto t\u00e9my trochu hlb\u0161ie. Konkr\u00e9tne sa budem venova\u0165 \u00fakonu, ak\u00fdm s\u00fa vklady.Rozoberme si vklady na po\u017eiadanie, inak zn\u00e1me i ako vistavklady. S\u00fa to peniaze ulo\u017een\u00e9 na be\u017enom \u00fa\u010dte, s ktor\u00fdmi sa d\u00e1 neust\u00e1le disponova\u0165. Ich stav sa m\u00f4\u017ee ka\u017edodenne zmeni\u0165, preto\u017ee denne doch\u00e1dzaj\u00fa platby za v\u00fdrobky a slu\u017eby, denne sa uklad\u00e1 hotovos\u0165, hradia be\u017en\u00e9 v\u00fddavky, plat\u00ed sa za dodan\u00fd tovar, vypl\u00e1caj\u00fa sa mzdy a tak \u010falej.•        Neust\u00e1la zmena v\u00fd\u0161ky vkladov na po\u017eiadanie sp\u00f4sobuje, \u017ee tieto peniaze s\u00fa nestabiln\u00e9, teda m\u00f4\u017ee nasta\u0165 pr\u00edpad, ktor\u00fd bude z h\u013eadiska likvidity nebezpe\u010dn\u00fd.Tak\u017ee u t\u00fdchto vkladoch je z h\u013eadiska komer\u010dnej banky potrebn\u00e1 ka\u017edodenn\u00e1 pozornos\u0165, ur\u010dit\u00fd syst\u00e9m a poriadok. Preto\u017ee vkladov pozn\u00e1me nieko\u013eko druhov, \u010do situ\u00e1ciu e\u0161te viac komplikuje. Rozde\u013eme si teda vklady e\u0161te podrobnej\u0161ie:•        Vklady podnikate\u013eov•        Vklady obyvate\u013estva•        Vklady vl\u00e1dy a miestnych org\u00e1nov•        Vklady b\u00e1nkNespom\u00ednaj\u00fac e\u0161te ostatn\u00e9 vklady. No spomenul som len tie z\u00e1kladn\u00e9 faktory, ktor\u00e9 manipul\u00e1ciu s vkladmi ovplyv\u0148uj\u00fa.\u010ealej pozn\u00e1me i takzvan\u00e9 term\u00ednovan\u00e9 vklady, kedy sa \u010dlovek dobrovo\u013ene zavia\u017ee k \u010dasov\u00e9mu obmedzeniu ich disponovan\u00edm. Napr\u00edklad vtedy, ak sme si ist\u00ed, \u017ee ur\u010dit\u00fa sumu pe\u0148az\u00ed nebudeme dlh\u0161iu dobu potrebova\u0165. Rad\u0161ej ich teda hromad\u00edme a \u010dasom vyu\u017eijeme na nie\u010do in\u00e9. Ve\u010f v\u00e4\u010d\u0161\u00ed obnos pe\u0148az\u00ed sa z\u00edde v\u017edy. Je dobr\u00e9 ma\u0165 pocit, \u017ee sme isten\u00ed ur\u010ditou \u010diastkou. \u010clovek dopredu nikdy nevie, \u010do sa m\u00f4\u017ee prihodi\u0165 a kedy bude tak\u00fato v\u00e4\u010d\u0161iu \u010diastku potrebova\u0165.•        V tomto pr\u00edpade sa jedn\u00e1 o stabilnej\u0161\u00ed zdroj ne\u017e v prvom pr\u00edpade, pr\u00e1ve z toho d\u00f4vodu, \u017ee t\u00fdmto vkladom nemanipulujeme tak \u010dasto, sl\u00fa\u017ei sk\u00f4r ako rezerva.                                                                                                                                                                                                                                                                                                                                                                                        4\/5 - (3 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Vklad\u00e1me peniaze do komer\u010dnej banky","item":"https:\/\/www.papajam.sk\/vkladame-peniaze-do-komercnej-banky\/#breadcrumbitem"}]}]