[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.amteo.cz\/bankovnictvi-a-vkladove-sluzby\/#Article","mainEntityOfPage":"https:\/\/www.amteo.cz\/bankovnictvi-a-vkladove-sluzby\/","headline":"Bankovnictv\u00ed a vkladov\u00e9 slu\u017eby","name":"Bankovnictv\u00ed a vkladov\u00e9 slu\u017eby","description":"
 Bankovn\u00ed soustava 
 
 = soustava bank na \u00fazem\u00ed dan\u00e9ho st\u00e1tu 
 
 
 […]","datePublished":"2020-09-25","dateModified":"2023-05-15","author":{"@type":"Person","@id":"https:\/\/www.amteo.cz\/author\/#Person","name":"","url":"https:\/\/www.amteo.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/bac9badfec1c8ddbfb42cc2a45bdd424bcac2f01b51b95470cbfd0bab9e793fd?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/bac9badfec1c8ddbfb42cc2a45bdd424bcac2f01b51b95470cbfd0bab9e793fd?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"amteo.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.amteo.cz\/wp-content\/uploads\/img_a319467_w2234_t1530515188.jpg","url":"https:\/\/www.amteo.cz\/wp-content\/uploads\/img_a319467_w2234_t1530515188.jpg","height":0,"width":0},"url":"https:\/\/www.amteo.cz\/bankovnictvi-a-vkladove-sluzby\/","about":["Finance"],"wordCount":540,"articleBody":"
 Bankovn\u00ed soustava
 
 = soustava bank na \u00fazem\u00ed dan\u00e9ho st\u00e1tu
 
 
 
 V\u00fdvoj bankovn\u00ed soustavy
 
 Do druh\u00e9 sv\u011btov\u011b v\u00e1lky u n\u00e1s existovala \u0159ada bank na evropsk\u00e9 \u00farovni, po druh\u00e9 sv\u011btov\u00e9 v\u00e1lce byla \u0159ada bank zru\u0161ena nebo zn\u00e1rod\u0148ov\u00e1na a jejich \u010dinnost specializov\u00e1na. St\u00e1tn\u00ed podniky byly pod\u0159\u00edzeny ministerstvu financ\u00ed a centr\u00e1ln\u00ed bance. V sou\u010dasnosti se banky \u0159\u00edd\u00ed podle principu tr\u017en\u00edho hospod\u00e1\u0159stv\u00ed- to znamen\u00e1, \u017ee jsou ovlivn\u011bny konkurenc\u00ed.
 
 
 Druhy bank
 
 Banky se rozd\u011bluj\u00ed podle rozsahu bankovn\u00ed licence.
 
 1. Univerz\u00e1ln\u00ed: maj\u00ed nej\u0161ir\u0161\u00ed licenci, mohou vykon\u00e1vat ve\u0161kerou bankovn\u00ed \u010dinnost (poskytovat \u00fav\u011bry a p\u0159ij\u00edmat vklady, obchodovat se zahrani\u010dn\u00ed m\u011bnou, poradenstv\u00ed\u2026..)
 
 2. Specializovan\u00e9: maj\u00ed omezenou bankovn\u00ed licenci, jsou zam\u011b\u0159en\u00e9 (nap\u0159. stavebn\u00ed spo\u0159itelny)
 
 
 
 VKLADOV\u00c9 SLU\u017dBY BANKY
 
 Vkladov\u00e9 slu\u017eby jsou bankovn\u00ed operace, ze kter\u00e9 m\u00e1 banka p\u0159\u00edjem. P\u0159ijat\u00e9 vklady jsou d\u016fle\u017eit\u00fdm finan\u010dn\u00edm zdrojem. Tyto pen\u00edze banka d\u00e1le investuje za \u00fa\u010delem zhodnocen\u00ed.
 
 
 Druhy vklad\u016f
 
 Vklady na b\u011b\u017en\u00fdch \u00fa\u010dtech \u2013 hlavn\u00edm \u00fa\u010delem nen\u00ed ukl\u00e1d\u00e1n\u00ed pen\u011bz, ale prov\u00e1d\u011bn\u00ed bankovn\u00edho styku. Proto\u017ee stav B\u00da nen\u00ed stabiln\u00ed, nen\u00ed pro banku finan\u010dn\u00edm zdrojem.
 
 Spo\u0159ic\u00ed \u00fa\u010det – stabiln\u00edm finan\u010dn\u00edm zdrojem, libovoln\u00e9 ukl\u00e1d\u00e1n\u00ed, vy\u0161\u0161\u00ed \u00farokov\u00e1 sazba
 
 a) term\u00ednovan\u00e9 \u00fa\u010dty – p\u0159esn\u011b ur\u010den\u00e9 datum vkladu\/v\u00fdb\u011bru pen\u011bz, umo\u017e\u0148uje p\u0159ed\u010dasn\u00fd v\u00fdb\u011br se sankc\u00ed 
 
 b) \u00fa\u010dty s v\u00fdpov\u011bdn\u00ed lh\u016ftou \u2013 lh\u016fta uvedena ve smlouv\u011b, klient mus\u00ed po\u017eadovanou \u010d\u00e1stku v\u010das vypov\u011bd\u011bt, existuje mo\u017enost p\u0159ed\u010dasn\u00e9ho v\u00fdb\u011bru spojena se sankc\u00ed (% nebo K\u010d)
 
  
 
 Bankovn\u00ed obligace \u2013 dlouhodob\u00e9 cenn\u00e9 pap\u00edry, emitentem banka (banka je vyd\u00e1v\u00e1), dlouhodob\u00fd finan\u010dn\u00ed zdroj, pro klienta jsou v\u00fdnosem
 
  
 
 Depozitn\u00ed certifik\u00e1t – obchodovateln\u00fd cenn\u00fd pap\u00edr, klient nakupuje od banky za ni\u017e\u0161\u00ed cenu, ne\u017e je nomin\u00e1ln\u00ed hodnota. Nomin\u00e1ln\u00ed hodnotu obdr\u017e\u00ed v den splatnosti, rozd\u00edl mezi ni\u017e\u0161\u00ed n\u00e1kupn\u00ed a vy\u0161\u0161\u00ed nomin\u00e1ln\u00ed hodnotou je \u00farok (zdan\u011bn\u00ed 15%)
 
  
 
 Vkladov\u00e9 kn\u00ed\u017eky – tradi\u010dn\u00ed zp\u016fsob pro ukl\u00e1d\u00e1n\u00ed prost\u0159edk\u016f, kn\u00ed\u017eka potvrzuje vklad a pokud jim chceme disponovat, mus\u00edme jej vybrat, z\u00edsk\u00e1me p\u016fvodn\u00ed nomin\u00e1ln\u00ed hodnotu + \u00farok, m\u016f\u017eou m\u00edt v\u00fdpov\u011bdn\u00ed lh\u016ftu
 
  
 
 Term\u00ednovan\u00e9 vklady \u2013 jsou sjedn\u00e1ny pevn\u011b na stanovenou \u010d\u00e1stku a ur\u010ditou dobu (kr\u00e1tkodob\u00e9\/ st\u0159edn\u011bdob\u00e9\/dlouhodob\u00e9 4+). Pak vklad kon\u010d\u00ed a prost\u0159edky bychom m\u011bli vybrat. B\u00fdv\u00e1 nab\u00edzeno automatick\u00e9 obnoven\u00ed vkladu, je mo\u017en\u011b p\u0159ed\u010dasn\u011b ukon\u010dit se sankc\u00ed 
 
  
 
 stavebn\u00ed spo\u0159en\u00ed – poskytuj\u00ed ho stavebn\u00ed spo\u0159itelny. Klient se spo\u0159itelnou uzav\u00edr\u00e1 smlouvu o stavebn\u00edm spo\u0159en\u00ed, doba minim\u00e1ln\u011b 6 let. Za d\u011bti mohou spo\u0159it rodi\u010de. V\u00fdhodou je zhodnocen\u00ed (\u00faroky) + st\u00e1tn\u00ed podpora. D\u00e1le klient m\u016f\u017ee po\u017e\u00e1dat o \u00fav\u011br souvisej\u00edc\u00ed s bydlen\u00edm.
 
 
 
 Poji\u0161t\u011bn\u00ed vkladu \u2013 pro zabezpe\u010den\u00ed vklad\u016f je z\u0159\u00edzen Fond poji\u0161t\u011bn\u00ed vklad\u016f tvo\u0159en\u00fd povinn\u00fdmi p\u0159\u00edsp\u011bvky bank, v p\u0159\u00edpad\u011b krachu banky vyplat\u00ed Fond vkladatel\u016fm vklad. Poji\u0161t\u011bn\u00ed je na 100 % nejv\u00edce ale 100 000 eur.
                                                                                                                                                                                                                                                                                                                                                                                         4.4\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Bankovnictv\u00ed a vkladov\u00e9 slu\u017eby","item":"https:\/\/www.amteo.cz\/bankovnictvi-a-vkladove-sluzby\/#breadcrumbitem"}]}]