[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.aebi.cz\/nebankovni-spolecnosti-pomalu-slapou-na-paty-tem-bankovnim\/#Article","mainEntityOfPage":"https:\/\/www.aebi.cz\/nebankovni-spolecnosti-pomalu-slapou-na-paty-tem-bankovnim\/","headline":"Nebankovn\u00ed spole\u010dnosti pomalu \u0161lapou na paty t\u011bm bankovn\u00edm","name":"Nebankovn\u00ed spole\u010dnosti pomalu \u0161lapou na paty t\u011bm bankovn\u00edm","description":"Nebankovn\u00ed spole\u010dnosti t\u011bm bankovn\u00edm pomalu ale jist\u011b \u0161lapou na paty. Nen\u00ed se tak \u010demu divit, \u017ee v r\u00e1mci konkuren\u010dn\u00edho soupe\u0159en\u00ed jsme sv\u011bdkem cel\u00e9 \u0159ady v\u00fdhodn\u00fdch nab\u00eddek, d\u00edky kter\u00fdm se sna\u017e\u00ed spole\u010dnosti p\u0159il\u00e1kat nov\u00e9 klienty. I kdy\u017e se nebankovn\u00ed spole\u010dnosti mermomoc\u00ed sna\u017e\u00ed, banky v tomto ohledu p\u0159eci jenom maj\u00ed trochu navrch. U klient\u016f toti\u017e vedou, co… ","datePublished":"2020-06-29","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.aebi.cz\/author\/#Person","name":"aebi.cz\n","url":"https:\/\/www.aebi.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e32c915fa5b274a4469e3ef5c1f9837e76577a60613858c5c8a74a3de98e33bc?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e32c915fa5b274a4469e3ef5c1f9837e76577a60613858c5c8a74a3de98e33bc?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"aebi.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/aebi.cz\/wp-content\/uploads\/kreditn%C3%AD%20karta_9.jpg","url":"https:\/\/aebi.cz\/wp-content\/uploads\/kreditn%C3%AD%20karta_9.jpg","height":"","width":""},"url":"https:\/\/www.aebi.cz\/nebankovni-spolecnosti-pomalu-slapou-na-paty-tem-bankovnim\/","about":["Neza\u0159azen\u00e9"],"wordCount":378,"articleBody":"      Nebankovn\u00ed spole\u010dnosti t\u011bm bankovn\u00edm pomalu ale jist\u011b \u0161lapou na paty. Nen\u00ed se tak \u010demu divit, \u017ee v r\u00e1mci konkuren\u010dn\u00edho soupe\u0159en\u00ed jsme sv\u011bdkem cel\u00e9 \u0159ady v\u00fdhodn\u00fdch nab\u00eddek, d\u00edky kter\u00fdm se sna\u017e\u00ed spole\u010dnosti p\u0159il\u00e1kat nov\u00e9 klienty. I kdy\u017e se nebankovn\u00ed spole\u010dnosti mermomoc\u00ed sna\u017e\u00ed, banky v tomto ohledu p\u0159eci jenom maj\u00ed trochu navrch. U klient\u016f toti\u017e vedou, co se t\u00fdk\u00e1 d\u016fv\u011bryhodnosti. Mnoho lid\u00ed si toti\u017e st\u00e1le p\u0159edstavuje pod nebankovn\u00edmi spole\u010dnostmi lichvu, co\u017e u\u017e d\u00e1vno nen\u00ed pravda. Naopak mnohdy jsou jedinou z\u00e1chranou stanic\u00ed na cest\u011b p\u0159ed krachem. Nebankovn\u00ed spole\u010dnosti jsou zn\u00e1m\u00e9 hlavn\u011b d\u00edky sv\u00fdm rychl\u00fdm spot\u0159ebitelsk\u00fdm \u00fav\u011br\u016fm, co mo\u017en\u00e1 ale \u0159ada lid\u00ed nev\u00ed, \u017ee tyto subjekty nab\u00edz\u00ed i hypote\u010dn\u00ed \u00fav\u011bry. Nebankovn\u00ed americk\u00e1 hypot\u00e9ka Ferovahypoteka je toho jasn\u00fdm d\u016fkazem. Nen\u00ed tomu zase tak d\u00e1vno, kdy si mohla ka\u017ed\u00fd spole\u010dnost v nebankovn\u00edm sektoru d\u011blat, co cht\u011bla. Poskytovatel\u00e9 v nebankovn\u00edm sektoru mohly nab\u00edzet \u00fav\u011bry s p\u0159emr\u0161t\u011bnou \u00farokovou sazbou, skryt\u00fdmi poplatky a v\u00fdjimkou nebyly ani enormn\u00ed sankce za pozdr\u017eenou platbu. Tyto rychl\u00e9 \u00fav\u011bry slou\u017eily jako z\u00e1chrana na posledn\u00ed chv\u00edli jako ha\u0161en\u00ed nenad\u00e1l\u00fdch v\u00fddaj\u016f. Je\u017ee ty doby u\u017e jsou na\u0161t\u011bst\u00ed d\u00e1vno pry\u010d a nebankovn\u00ed sektor se stal plnohodnotn\u00fdm konkurentem toho bankovn\u00edho. Lid\u00e9 se nebankovn\u00edho sektoru st\u00e1le ob\u00e1vaj\u00ed, p\u0159itom mnohdy zde m\u016f\u017eeme naj\u00edt v\u00fdhodn\u00e9 \u00fav\u011bry, kter\u00e9 v mnoh\u00fdch ohledech dokonce p\u0159ed\u010d\u00ed ty bankovn\u00ed. Pova\u017euj\u00ed je za poskytovatele \u00fav\u011br\u016f pro nepou\u010diteln\u00e9 dlu\u017en\u00edky nebo osoby bez dolo\u017eiteln\u00fdch p\u0159\u00edjm\u016f. P\u0159itom pravda je dnes \u00fapln\u011b jinde. Je tomu hlavn\u011b d\u00edky novele z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru, kterou provedla \u010cesk\u00e1 n\u00e1rodn\u00ed banka. Tato novela mimo jin\u00e9 upravuje i vztahy nebankovn\u00edch subjekt\u016f a zp\u0159\u00eds\u0148uje podm\u00ednky pro poskytovatele. Tyto poskytovatel\u00e9 mus\u00ed m\u00edt od tohoto roku platnou licenci od \u010cesk\u00e9 n\u00e1rodn\u00ed banky, jinak pen\u00edze p\u016fj\u010duj\u00ed neopr\u00e1vn\u011bn\u011b.                                                                                                                                                                                                                                                                                                                                                                                           4.3\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nebankovn\u00ed spole\u010dnosti pomalu \u0161lapou na paty t\u011bm bankovn\u00edm","item":"https:\/\/www.aebi.cz\/nebankovni-spolecnosti-pomalu-slapou-na-paty-tem-bankovnim\/#breadcrumbitem"}]}]