[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.adena.sk\/rezervne-peniaze-v-bankach\/#Article","mainEntityOfPage":"https:\/\/www.adena.sk\/rezervne-peniaze-v-bankach\/","headline":"Rezervn\u00e9 peniaze v bank\u00e1ch","name":"Rezervn\u00e9 peniaze v bank\u00e1ch","description":"Na za\u010diatok by som za\u010dal v\u00fdsti\u017en\u00fdm cit\u00e1tom, ktor\u00fd sa na t\u00fato t\u00e9mu presne hod\u00ed. Autorom cit\u00e1tu je zn\u00e1my Mark Twain. \u2022\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 &#8220; Bank\u00e1r je \u010dlovek, ktor\u00fd V\u00e1m po\u017ei\u010dia d\u00e1\u017ednik , ke\u010f svieti slnko. Ale hne\u010f ako za\u010dne pr\u0161a\u0165, ho za\u010dne p\u00fdta\u0165 sp\u00e4\u0165.&#8220; Banky v podstate sp\u00e1jaj\u00fa verite\u013eov s dl\u017en\u00edkmi. Modern\u00e9 banky vyu\u017e\u00edvaj\u00fa syst\u00e9m takzvan\u00fdch \u010diastkov\u00fdch rezerv. Ide o to, \u017ee banky, miesto toho, aby vlo\u017een\u00e9 peniaze nechali v bezpe\u010d\u00ed trezora, vyu\u017e\u00edvaj\u00fa ich na svoje celkov\u00e9 fungovanie a zabezpe\u010dovanie r\u00f4znych vec\u00ed. A tu plnia \u00falohy takzvan\u00e9 rezervy, aby sme peniaze, ktor\u00e9 sme vlo\u017eili,\u00a0 mohli z\u00edska\u0165 sp\u00e4\u0165, i ke\u010f to nebud\u00fa presne tie na\u0161e. Vytvor\u00ed sa rezerva, aby s peniazmi mohla banka manipulova\u0165 a z\u00e1rove\u0148 odklada\u0165 pre pr\u00edpad, \u017ee na\u0161e peniaze potrebujeme ur\u00fdchlene z banky vytiahnu\u0165. Zv\u00e4\u010d\u0161a sa t\u00e1to rezerva vytv\u00e1ra pri v\u00e4\u010d\u0161\u00edch vkladoch, preto\u017ee je menej pravdepodobn\u00e9, \u017ee niekto si vyberie v jeden de\u0148 povedzme 100 000 e\u00far. Banky s vlo\u017een\u00fdmi&hellip;\r\n <p> <a class=\"more-link\" href=\"https:\/\/www.adena.sk\/rezervne-peniaze-v-bankach\/\">Read more<\/a><\/p>","datePublished":"2017-11-10","dateModified":"2017-11-10","author":{"@type":"Person","@id":"https:\/\/www.adena.sk\/author\/#Person","name":"","url":"https:\/\/www.adena.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/40b5f3ce562f556955b189273c919e65fd2efecc17411a60d9172af88d0e5d58?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/40b5f3ce562f556955b189273c919e65fd2efecc17411a60d9172af88d0e5d58?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"adena.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.adena.sk\/wp-content\/uploads\/img_a284322_w2007_t1515602106.jpg","url":"https:\/\/www.adena.sk\/wp-content\/uploads\/img_a284322_w2007_t1515602106.jpg","height":0,"width":0},"url":"https:\/\/www.adena.sk\/rezervne-peniaze-v-bankach\/","wordCount":497,"articleBody":"Na za\u010diatok by som za\u010dal v\u00fdsti\u017en\u00fdm cit\u00e1tom, ktor\u00fd sa na t\u00fato t\u00e9mu presne hod\u00ed. Autorom cit\u00e1tu je zn\u00e1my Mark Twain.\u2022\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 &#8220; Bank\u00e1r je \u010dlovek, ktor\u00fd V\u00e1m po\u017ei\u010dia d\u00e1\u017ednik , ke\u010f svieti slnko. Ale hne\u010f ako za\u010dne pr\u0161a\u0165, ho za\u010dne p\u00fdta\u0165 sp\u00e4\u0165.&#8220;Banky v podstate sp\u00e1jaj\u00fa verite\u013eov s dl\u017en\u00edkmi.Modern\u00e9 banky vyu\u017e\u00edvaj\u00fa syst\u00e9m takzvan\u00fdch \u010diastkov\u00fdch rezerv.Ide o to, \u017ee banky, miesto toho, aby vlo\u017een\u00e9 peniaze nechali v bezpe\u010d\u00ed trezora, vyu\u017e\u00edvaj\u00fa ich na svoje celkov\u00e9 fungovanie a zabezpe\u010dovanie r\u00f4znych vec\u00ed. A tu plnia \u00falohy takzvan\u00e9 rezervy, aby sme peniaze, ktor\u00e9 sme vlo\u017eili,\u00a0 mohli z\u00edska\u0165 sp\u00e4\u0165, i ke\u010f to nebud\u00fa presne tie na\u0161e. Vytvor\u00ed sa rezerva, aby s peniazmi mohla banka manipulova\u0165 a z\u00e1rove\u0148 odklada\u0165 pre pr\u00edpad, \u017ee na\u0161e peniaze potrebujeme ur\u00fdchlene z banky vytiahnu\u0165. Zv\u00e4\u010d\u0161a sa t\u00e1to rezerva vytv\u00e1ra pri v\u00e4\u010d\u0161\u00edch vkladoch, preto\u017ee je menej pravdepodobn\u00e9, \u017ee niekto si vyberie v jeden de\u0148 povedzme 100 000 e\u00far.Banky s vlo\u017een\u00fdmi peniazmi teda manipuluj\u00fa, ale mali by sa sna\u017ei\u0165 i odklada\u0165 do rezervy, ak by tak\u00fdto pr\u00edpad vybratia v\u00e4\u010d\u0161ej sumu pe\u0148az\u00ed nastal.No vieme, \u017ee zv\u00e4\u010d\u0161a n\u00e1m to\u013eko banka nem\u00f4\u017ee v jeden de\u0148 poskytn\u00fa\u0165. Na rezervy myslia, ke\u010f je u\u017e neskoro a na\u0161e peniaze potrebujeme. Ale ako vrav\u00edm, je to ojedinel\u00fd pr\u00edpad, \u017ee by niekto za de\u0148\u00a0 chcel vybra\u0165 stotis\u00edc.Tak\u00fdmto syst\u00e9mom rezervy riskujeme, \u017ee ak banka skrachuje, nebude ma\u0165 tie rezervy z \u010doho vytvori\u0165, tak\u017ee v podstate pr\u00eddeme o svoje vlo\u017een\u00e9 peniaze a cesta sp\u00e4\u0165 neexistuje. Banka jednoduche nebude ma\u0165 ani na tie rezervy a k\u00fdm by sme sa s \u0148ou za\u010dali s\u00fadi\u0165, uplynuli by roky a aj tak by sme mo\u017eno na\u0161e peniaze sp\u00e4\u0165 nez\u00edskali. Bol by som teda moment\u00e1lne chudobn\u00fd a ako vieme, tak\u00ed s\u00fady nevyhr\u00e1vaj\u00fa.Tak\u017ee, ak to zhrnieme :\u2022\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Syst\u00e9m rezervy m\u00e1 plus v tom, \u017ee banky maj\u00fa peniaze v\u017edy po ruke a m\u00f4\u017eu praktickej\u0161ie vykon\u00e1va\u0165 svoju pr\u00e1cu.\u2022\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 M\u00ednusom by som nazval u\u017e len ten fakt, \u017ee niekto manipuluje s peniazmi, ktor\u00e9 s\u00fa na\u0161e a v pr\u00edpade, \u017ee ich budem potrebova\u0165, banka ich proste nebude ma\u0165. Taktie\u017e je tu riziko spom\u00ednan\u00e9ho krachu, kedy na\u0161e peniaze u\u017e niky neuvid\u00edme. A smerom, ak\u00fdm sa eur\u00f3psky syst\u00e9m uber\u00e1, sa to st\u00e1va \u010doraz viac pravdepodobn\u00e9. Niektor\u00ed \u013eudia v eur\u00f3pskych \u0161t\u00e1toch u\u017e svoje \u00faspory vo ve\u013ekom z banky vyberaj\u00fa, preto\u017ee im neveria. No u\u017e i to je probl\u00e9m, preto\u017ee banky s\u00fa tam t\u00fdmito ob\u010danmi preplnen\u00e9 a zo za\u010diatku museli v banke dokonca i prespa\u0165 na zemi, k\u00fdm sa dostali na radu.                                                                                                                                                                                                                                                                                                                                                                                        4.2\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Rezervn\u00e9 peniaze v bank\u00e1ch","item":"https:\/\/www.adena.sk\/rezervne-peniaze-v-bankach\/#breadcrumbitem"}]}]