[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.dvkk.cz\/cesi-jsou-na-tom-s-financni-gramotnosti-nelichotive\/#Article","mainEntityOfPage":"https:\/\/www.dvkk.cz\/cesi-jsou-na-tom-s-financni-gramotnosti-nelichotive\/","headline":"\u010ce\u0161i jsou na tom s finan\u010dn\u00ed gramotnost\u00ed nelichotiv\u011b","name":"\u010ce\u0161i jsou na tom s finan\u010dn\u00ed gramotnost\u00ed nelichotiv\u011b","description":"\u010cesk\u00e1 bankovn\u00ed asociace ka\u017edoro\u010dn\u011b prov\u00e1d\u00ed pr\u016fzkum finan\u010dn\u00ed gramotnosti obyvatel. Oproti lo\u0148sk\u00e9mu roku nedo\u0161lo p\u0159\u00edli\u0161 ke zlep\u0161en\u00ed pov\u011bdom\u00ed \u010cech\u016f o spr\u00e1vn\u00e9m hospoda\u0159en\u00ed, o investov\u00e1n\u00ed pen\u011bz a o rizic\u00edch zadlu\u017een\u00ed. Kdo je na tom nejh\u016f\u0159e? Z pr\u016fzkumu vyplynulo, \u017ee nejh\u016f\u0159e na tom jsou mlad\u00ed lid\u00e9 mezi 19 \u2013 29 roky v\u011bku. \u010casto se jedn\u00e1 je\u0161t\u011b o studenty, […]","datePublished":"2025-06-27","dateModified":"2025-06-27","author":{"@type":"Person","@id":"https:\/\/www.dvkk.cz\/author\/#Person","name":"","url":"https:\/\/www.dvkk.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/a1f3afbcba6a2c855138f9932fa7e5ab7d93bdcdef3da88e8b7e3a89881e43e8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/a1f3afbcba6a2c855138f9932fa7e5ab7d93bdcdef3da88e8b7e3a89881e43e8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"dvkk.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.dvkk.cz\/wp-content\/uploads\/img_a310494_w2307_t1521449861.jpg","url":"https:\/\/www.dvkk.cz\/wp-content\/uploads\/img_a310494_w2307_t1521449861.jpg","height":0,"width":0},"url":"https:\/\/www.dvkk.cz\/cesi-jsou-na-tom-s-financni-gramotnosti-nelichotive\/","wordCount":460,"articleBody":"\u010cesk\u00e1 bankovn\u00ed asociace ka\u017edoro\u010dn\u011b prov\u00e1d\u00ed pr\u016fzkum finan\u010dn\u00ed gramotnosti obyvatel. Oproti lo\u0148sk\u00e9mu roku nedo\u0161lo p\u0159\u00edli\u0161 ke zlep\u0161en\u00ed pov\u011bdom\u00ed \u010cech\u016f o spr\u00e1vn\u00e9m hospoda\u0159en\u00ed, o investov\u00e1n\u00ed pen\u011bz a o rizic\u00edch zadlu\u017een\u00ed.  Kdo je na tom nejh\u016f\u0159e? Z pr\u016fzkumu vyplynulo, \u017ee nejh\u016f\u0159e na tom jsou mlad\u00ed lid\u00e9 mezi 19 \u2013 29 roky v\u011bku. \u010casto se jedn\u00e1 je\u0161t\u011b o studenty, kte\u0159\u00ed dosud \u017eij\u00ed doma s rodi\u010di a s realitou b\u011b\u017en\u00e9ho \u017eivota a samostatn\u00e9ho hospoda\u0159en\u00ed se p\u0159\u00edmo nesetkali. I kdy\u017e se v r\u00e1mci vzd\u011bl\u00e1v\u00e1n\u00ed za\u0159azuj\u00ed do v\u00fduky t\u00e9mata jako zadlu\u017eenost, pot\u0159eba finan\u010dn\u00ed rezervy a podobn\u011b, evidentn\u011b zat\u00edm bez \u00fasp\u011bchu. T\u0159eba, a\u017e se tito mlad\u00ed dosp\u011bl\u00ed setkaj\u00ed s realitou, bude to m\u00edt pro n\u011b v\u011bt\u0161\u00ed v\u00fdchovn\u00fd efekt. I ekonomicky aktivn\u00ed obyvatelstvo je v\u0161ak \u010dasto vedle\u2026 Kdy\u017e byl pr\u016fzkum prov\u00e1d\u011bn, bylo zji\u0161t\u011bno, \u017ee se lid\u00e9 p\u0159\u00edli\u0161 neorientuj\u00ed v oblastech t\u00fdkaj\u00edc\u00edch se hlavn\u011b \u00fav\u011br\u016f. Ro\u010dn\u00ed \u00farokov\u00e9 sazby, ale tak\u00e9 poji\u0161t\u011bn\u00ed \u00fav\u011br\u016f, p\u0159edb\u011b\u017en\u00e9 splacen\u00ed a r\u016fzn\u00e9 sankce nejsou mnoha lidem zn\u00e1my. \u010clov\u011bka hlavn\u011b zaj\u00edm\u00e1, kolik bude spl\u00e1cet a jak dlouho. Od toho se odv\u00edj\u00ed, zda si \u00fav\u011br vezme a \u0159e\u0161\u00ed, kolik jej to m\u011bs\u00ed\u010dn\u011b bude st\u00e1t. V\u00fdsledn\u00e1 zaplacen\u00e1 \u010d\u00e1stka nen\u00ed v danou chv\u00edli t\u00edm z\u00e1sadn\u00edm krit\u00e9riem. Tak\u00e9 poji\u0161t\u011bn\u00ed \u00fav\u011bru pro p\u0159\u00edpad, kdy nebudeme schopni spl\u00e1cet, nen\u00ed pro n\u00e1s d\u016fle\u017eit\u00e9. \u010casto je \u010d\u00e1stka zahrnuta ve spl\u00e1tce, pokud by v\u0161ak m\u011blo j\u00edt o placen\u00ed nav\u00edc, u\u017e by se n\u00e1m to dvakr\u00e1t nel\u00edbilo.  Kdo \u0161et\u0159\u00ed, m\u00e1 za t\u0159i\u2026 P\u0159\u00edjemn\u00fdm zji\u0161t\u011bn\u00edm z proveden\u00e9ho pr\u016fzkumu v\u0161ak bylo, \u017ee si \u010ce\u0161i za\u010dali v\u00edce spo\u0159it a vytv\u00e1\u0159et finan\u010dn\u00ed rezervy. Ka\u017ed\u00fd dle sv\u00fdch mo\u017enost\u00ed, ov\u0161em, u\u017e samotn\u00fd tento fakt je pozitivn\u00edm faktorem. Star\u0161\u00ed lid\u00e9 se sna\u017e\u00ed myslet na budoucnost, d\u011blaj\u00ed si tedy rezervu pro p\u0159\u00edpad nemoci, \u010di odchodu do d\u016fchodu. Mlad\u00ed sp\u00ed\u0161e spo\u0159\u00ed na dovolenou nebo vybaven\u00ed dom\u00e1cnosti. U mlad\u0161\u00edch ro\u010dn\u00edk\u016f je spo\u0159en\u00ed na d\u016fchod aktu\u00e1ln\u011b druho\u0159adou investic\u00ed, cht\u011bj\u00ed si u\u017e\u00edvat sou\u010dasnosti a na st\u00e1\u0159\u00ed moc nemysl\u00ed. Pr\u016fm\u011brn\u00e1 uspo\u0159en\u00e1 m\u011bs\u00ed\u010dn\u00ed \u010d\u00e1stka je okolo p\u011bti tis\u00edc korun. Vliv na ni m\u016f\u017ee m\u00edt tak\u00e9 zvy\u0161ov\u00e1n\u00ed mezd a r\u016fst ekonomiky.                                                                                                                                                                                                                                                                                                                                                                                         4.4\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u010ce\u0161i jsou na tom s finan\u010dn\u00ed gramotnost\u00ed nelichotiv\u011b","item":"https:\/\/www.dvkk.cz\/cesi-jsou-na-tom-s-financni-gramotnosti-nelichotive\/#breadcrumbitem"}]}]