{"id":340,"date":"2021-01-13T12:39:42","date_gmt":"2021-01-13T11:39:42","guid":{"rendered":"http:\/\/apenize.cz\/?p=340"},"modified":"2021-01-13T12:39:44","modified_gmt":"2021-01-13T11:39:44","slug":"jen-tretina-lidi-v-cr-ma-sve-finance-pod-kontrolou","status":"publish","type":"post","link":"https:\/\/apenize.cz\/?p=340","title":{"rendered":"Jen t\u0159etina lid\u00ed v \u010cR m\u00e1 sv\u00e9 finance pod kontrolou"},"content":{"rendered":"\n

U\u017e prvn\u00ed vlna pandemie nov\u00e9ho koronavirus odhalila, \u017ee jen t\u0159etina lid\u00ed v \u010cesku m\u00e1 sv\u00e9 finance pod kontrolou a je p\u0159ipravena na dal\u0161\u00ed neo\u010dek\u00e1van\u00e9 v\u00fdpadky p\u0159\u00edjm\u016f.
U\u017e prvn\u00ed vlna pandemie nov\u00e9ho koronavirus odhalila, \u017ee jen t\u0159etina lid\u00ed v \u010cesku m\u00e1 sv\u00e9 finance pod kontrolou a je p\u0159ipravena na dal\u0161\u00ed neo\u010dek\u00e1van\u00e9 v\u00fdpadky p\u0159\u00edjm\u016f. Informoval o to port\u00e1l iDNES.cz s odvol\u00e1n\u00edm na pr\u016fzkum, kter\u00fd si v \u010dervenci nechala zpracovat ING banka.<\/p>\n\n\n\n

Anketa uk\u00e1zala tak\u00e9, \u017ee na z\u00e1klad\u011b zku\u0161enost\u00ed z uplynul\u00fdch m\u011bs\u00edc\u016f p\u0159em\u00fd\u0161l\u00ed o spo\u0159en\u00ed v\u00edce lid\u00ed ne\u017e v minulosti, v\u00edce ne\u017e 40%. T\u00e9m\u011b\u0159 p\u011btina (20%) \u010cech\u016f v\u0161ak tvrd\u00ed, \u017ee nemaj\u00ed z \u010deho spo\u0159it.<\/p>\n\n\n\n

„P\u0159ibli\u017en\u011b t\u0159etin\u011b lid\u00ed ubyly pen\u00edze, proto\u017ee p\u0159i\u0161li o zam\u011bstn\u00e1n\u00ed nebo jim sn\u00ed\u017eily mzdu, p\u0159\u00edpadn\u011b jim klesly tr\u017eby. \u010ce\u0161i tak\u00e9 utr\u00e1celi ve velk\u00e9m za z\u00e1soby potravin \u010di dezinfekc\u00ed. To v pr\u016fzkumu p\u0159iznalo jako d\u016fvod, pro\u010d maj\u00ed m\u00e9n\u011b na \u00fa\u010dtech, 12% respondent\u016f. Naopak , v\u00edce ne\u017e desetina lid\u00ed potvrdila, \u017ee m\u011bla v\u00edce pen\u011bz ne\u017e obvykle, proto\u017ee nechodila na v\u00fdlety a neutr\u00e1cala za z\u00e1bavu, „\u0159ekl Radek Sedl\u00e1\u0159, \u0159editel retailov\u00e9 sekce ING banky.<\/p>\n\n\n\n

„Mnoh\u00e9 sociologick\u00e9 pr\u016fzkumy ukazuj\u00ed, \u017ee \u0161ok z onemocn\u011bn\u00ed COVID-19 nejv\u00edce zas\u00e1hl n\u00edzkop\u0159\u00edjmov\u00e9 skupiny obyvatelstva a samo\u017eivitele s d\u011btmi. Z firem jsou nejposti\u017een\u011bj\u0161\u00ed ty, kter\u00e9 p\u016fsob\u00ed v tzv. Oblasti HoReCa (hotely, restaurace a kav\u00e1rny),“ poznamen\u00e1v\u00e1 Helena Horsk\u00e1, hlavn\u00ed ekonomka Raiffeisenbank.<\/p>\n\n\n\n

Pr\u016fzkum ING Bank z\u00e1rove\u0148 nazna\u010dil, \u017ee t\u00e9ma spo\u0159en\u00ed v sou\u010dasnosti rezonuje nap\u0159\u00ed\u010d celou \u010deskou spole\u010dnost\u00ed.<\/p>\n\n\n\n

Potvrzuje to i psycholo\u017eka Martina Viewegov\u00e1. „Moji klienti za mnou nyn\u00ed \u010dast\u011bji ne\u017e v minulosti chod\u00ed s probl\u00e9my, kter\u00e9 souvis\u00ed se zvl\u00e1d\u00e1n\u00edm jejich finan\u010dn\u00ed situace. \u0158e\u0161\u00ed, jak\u00fdm zp\u016fsobem spo\u0159it, zda a jak se p\u0159ipravovat na ne\u010dekan\u00fd v\u00fdpadek p\u0159\u00edjm\u016f. Pot\u0159eba kontroly nad sv\u00fdm \u017eivotem a tak\u00e9 financemi je v terapii velmi d\u016fle\u017eit\u00e9 t\u00e9ma. V\u011bdom\u00ed, \u017ee dok\u00e1\u017eu spo\u0159it a vytvo\u0159it si finan\u010dn\u00ed rezervu, dod\u00e1 sebed\u016fv\u011bru a pom\u016f\u017ee k psychick\u00e9 pohod\u011b, „dodala psycholo\u017eka.<\/p>\n\n\n\n

Fakt, \u017ee \u010desk\u00e9 dom\u00e1cnosti jsou mnohem opatrn\u011bj\u0161\u00ed, potvrdil i pr\u016fzkum \u010cesk\u00e9 bankovn\u00ed asociace (\u010cBA). Pandemie ovlivnila finan\u010dn\u00ed uva\u017eov\u00e1n\u00ed lid\u00ed. Nedostate\u010dnou nebo \u017e\u00e1dnou finan\u010dn\u00ed rezervu p\u0159i propuknut\u00ed pandemie p\u0159iznalo v tomto pr\u016fzkumu celkem 24% \u010cech\u016f.<\/p>\n\n\n\n

„Vzhledem k progn\u00f3zy v\u00fdvoje ekonomiky i nejist\u00fd v\u00fdvoj situace na podzim by lid\u00e9 m\u011bli nad sv\u00fdmi financemi p\u0159em\u00fd\u0161let a pl\u00e1novat skute\u010dn\u011b pe\u010dliv\u011b. Stejn\u011b jako v ostatn\u00edch oblastech lidsk\u00e9ho \u017eivota je i p\u0159i nakl\u00e1d\u00e1n\u00ed s pen\u011bzi podstatn\u00e9 um\u011bt se na svou situaci pod\u00edvat s nadhledem a ur\u010dit si priority , „prohl\u00e1sila Helena Brychov\u00e1, poradkyn\u011b CBA pro finan\u010dn\u00ed vzd\u011bl\u00e1v\u00e1n\u00ed a spot\u0159ebitelsk\u00e9 ot\u00e1zky.<\/p>\n\n\n\n

\u010ce\u0161i se b\u011bhem pandemie chovali podle pr\u016fzkum\u016f racion\u00e1ln\u00ed a v\u011bt\u0161ina lid\u00ed ud\u011blala v r\u00e1mci sv\u00e9 dom\u00e1cnosti opat\u0159en\u00ed, kter\u00e9 m\u011bly pomoci rodinn\u00e9mu rozpo\u010dtu. Nej\u010dast\u011bji t\u00edm, \u017ee omezily b\u011b\u017enou spot\u0159ebu a odlo\u017eili v\u011bt\u0161\u00ed n\u00e1kupy. T\u0159etina dom\u00e1cnost\u00ed v\u0161ak sv\u00e9 \u00faspory vy\u010derpala a 7% muselo s\u00e1hnout po p\u016fj\u010dce. Nen\u00ed proto n\u00e1hodou, \u017ee v\u00edce ne\u017e 40% \u010cech\u016f nyn\u00ed p\u0159em\u00fd\u0161l\u00ed o spo\u0159en\u00ed v\u00edce ne\u017e v minulosti.<\/p>\n\n\n\n

I p\u0159esto\u017ee ekonomov\u00e9 varuj\u00ed, \u017ee p\u0159\u00edli\u0161n\u00e9 p\u0159ibrzd\u011bn\u00ed v\u00fddaj\u016f odkl\u00e1d\u00e1n\u00ed spot\u0159eby a spo\u0159en\u00ed na hor\u0161\u00ed \u010dasy m\u016f\u017ee sou\u010dasnou krizi je\u0161t\u011b v\u00edce prohloubit, vytv\u00e1\u0159et si ur\u010dit\u00fd finan\u010dn\u00ed pol\u0161t\u00e1\u0159 je ka\u017edop\u00e1dn\u011b rozumn\u00e9.<\/p>\n\n\n\n

\"\"<\/figure><\/div>\n\n\n\n

Podle dal\u0161\u00edho aktu\u00e1ln\u00edho pr\u016fzkumu, kter\u00fd provedla spole\u010dnost BNP Paribas, by toti\u017e m\u011blo p\u0159i v\u00fdpadku p\u0159\u00edjm\u016f probl\u00e9my se spl\u00e1cen\u00edm hypot\u00e9k, p\u016fj\u010dek a pokryt\u00edm b\u011b\u017en\u00fdch v\u00fddaj\u016f probl\u00e9my a\u017e 63% \u010cech\u016f.<\/p>\n","protected":false},"excerpt":{"rendered":"

U\u017e prvn\u00ed vlna pandemie nov\u00e9ho koronavirus odhalila, \u017ee jen t\u0159etina lid\u00ed v \u010cesku m\u00e1 sv\u00e9 finance pod kontrolou a je p\u0159ipravena na dal\u0161\u00ed neo\u010dek\u00e1van\u00e9 v\u00fdpadky p\u0159\u00edjm\u016f.U\u017e prvn\u00ed vlna pandemie nov\u00e9ho koronavirus odhalila, \u017ee jen t\u0159etina lid\u00ed v \u010cesku m\u00e1 sv\u00e9 finance pod kontrolou a je p\u0159ipravena na dal\u0161\u00ed neo\u010dek\u00e1van\u00e9 v\u00fdpadky p\u0159\u00edjm\u016f. Informoval o to port\u00e1l […]<\/p>\n","protected":false},"author":2,"featured_media":341,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[6],"tags":[],"class_list":["post-340","post","type-post","status-publish","format-standard","has-post-thumbnail","category-rady-a-navody"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/apenize.cz\/index.php?rest_route=\/wp\/v2\/posts\/340","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/apenize.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/apenize.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/apenize.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/apenize.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=340"}],"version-history":[{"count":0,"href":"https:\/\/apenize.cz\/index.php?rest_route=\/wp\/v2\/posts\/340\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/apenize.cz\/index.php?rest_route=\/wp\/v2\/media\/341"}],"wp:attachment":[{"href":"https:\/\/apenize.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=340"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/apenize.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=340"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/apenize.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=340"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}