{"id":3427,"date":"2014-11-29T08:41:59","date_gmt":"2014-11-29T08:41:59","guid":{"rendered":"http:\/\/obcanskymonitoring.cz\/?p=3427"},"modified":"2014-12-11T11:01:11","modified_gmt":"2014-12-11T11:01:11","slug":"recenze-nove-regulace-pro-druzstevni-zalozny","status":"publish","type":"post","link":"https:\/\/obcanskymonitoring.cz\/?p=3427","title":{"rendered":"Recenze nov\u00e9 regulace pro Dru\u017estevn\u00ed z\u00e1lo\u017eny"},"content":{"rendered":"<div class=\"pvc_clear\"><\/div>\n<p class=\"pvc_stats total_only \" data-element-id=\"3427\" style=\"\"><i class=\"pvc-stats-icon medium\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" version=\"1.0\" viewBox=\"0 0 502 315\" preserveAspectRatio=\"xMidYMid meet\"><g transform=\"translate(0,332) scale(0.1,-0.1)\" fill=\"\" stroke=\"none\"><path d=\"M2394 3279 l-29 -30 -3 -207 c-2 -182 0 -211 15 -242 39 -76 157 -76 196 0 15 31 17 60 15 243 l-3 209 -33 29 c-26 23 -41 29 -80 29 -41 0 -53 -5 -78 -31z\"\/><path d=\"M3085 3251 c-45 -19 -58 -50 -96 -229 -47 -217 -49 -260 -13 -295 52 -53 146 -42 177 20 16 31 87 366 87 410 0 70 -86 122 -155 94z\"\/><path d=\"M1751 3234 c-13 -9 -29 -31 -37 -50 -12 -29 -10 -49 21 -204 19 -94 39 -189 45 -210 14 -50 54 -80 110 -80 34 0 48 6 76 34 21 21 34 44 34 59 0 14 -18 113 -40 219 -37 178 -43 195 -70 221 -36 32 -101 37 -139 11z\"\/><path d=\"M1163 3073 c-36 -7 -73 -59 -73 -102 0 -56 133 -378 171 -413 34 -32 83 -37 129 -13 70 36 67 87 -16 290 -86 209 -89 214 -129 231 -35 14 -42 15 -82 7z\"\/><path d=\"M3689 3066 c-15 -9 -33 -30 -42 -48 -48 -103 -147 -355 -147 -375 0 -98 131 -148 192 -74 13 15 57 108 97 206 80 196 84 226 37 273 -30 30 -99 39 -137 18z\"\/><path d=\"M583 2784 c-38 -19 -67 -74 -58 -113 9 -42 211 -354 242 -373 16 -10 45 -18 66 -18 51 0 107 52 107 100 0 39 -1 41 -124 234 -80 126 -108 162 -133 173 -41 17 -61 16 -100 -3z\"\/><path d=\"M4250 2784 c-14 -9 -74 -91 -133 -183 -95 -150 -107 -173 -107 -213 0 -55 33 -94 87 -104 67 -13 90 8 211 198 130 202 137 225 78 284 -27 27 -42 34 -72 34 -22 0 -50 -8 -64 -16z\"\/><path d=\"M2275 2693 c-553 -48 -1095 -270 -1585 -649 -135 -104 -459 -423 -483 -476 -23 -49 -22 -139 2 -186 73 -142 361 -457 571 -626 285 -228 642 -407 990 -497 242 -63 336 -73 660 -74 310 0 370 5 595 52 535 111 1045 392 1455 803 122 121 250 273 275 326 19 41 19 137 0 174 -41 79 -309 363 -465 492 -447 370 -946 591 -1479 653 -113 14 -422 18 -536 8z m395 -428 c171 -34 330 -124 456 -258 112 -119 167 -219 211 -378 27 -96 24 -300 -5 -401 -72 -255 -236 -447 -474 -557 -132 -62 -201 -76 -368 -76 -167 0 -236 14 -368 76 -213 98 -373 271 -451 485 -162 444 86 934 547 1084 153 49 292 57 452 25z m909 -232 c222 -123 408 -262 593 -441 76 -74 138 -139 138 -144 0 -16 -233 -242 -330 -319 -155 -123 -309 -223 -461 -299 l-81 -41 32 46 c18 26 49 83 70 128 143 306 141 649 -6 957 -25 52 -61 116 -79 142 l-34 47 45 -20 c26 -10 76 -36 113 -56z m-2057 25 c-40 -58 -105 -190 -130 -263 -110 -324 -59 -707 132 -981 25 -35 42 -64 37 -64 -19 0 -241 119 -326 174 -188 122 -406 314 -532 468 l-58 71 108 103 c185 178 428 349 672 473 66 33 121 60 123 61 2 0 -10 -19 -26 -42z\"\/><path d=\"M2375 1950 c-198 -44 -350 -190 -395 -379 -18 -76 -8 -221 19 -290 114 -284 457 -406 731 -260 98 52 188 154 231 260 27 69 37 214 19 290 -38 163 -166 304 -326 360 -67 23 -215 33 -279 19z\"\/><\/g><\/svg><\/i> &nbsp;946&nbsp;total views<\/p>\n<div class=\"pvc_clear\"><\/div>\n<p>V sou\u010dasn\u00e9 dob\u011b prob\u00edh\u00e1 zcela z\u00e1sadn\u00ed zm\u011bna legislativy dru\u017estevn\u00edch z\u00e1lo\u017een. Bude m\u00edt z\u00e1sadn\u00ed dopad na cel\u00e9 odv\u011btv\u00ed podnik\u00e1n\u00ed dru\u017estevn\u00edch z\u00e1lo\u017een. Konkr\u00e9tn\u011b se jedn\u00e1 o <a href=\"http:\/\/senat.cz\/xqw\/xervlet\/pssenat\/historie?ke_dni=29.11.2014&amp;O=10&amp;action=detail&amp;value=3585\">novelu z\u00e1kona\u00a0\u010d. 87\/1995 Sb., o spo\u0159iteln\u00edch a \u00fav\u011brn\u00edch dru\u017estvech a n\u011bkter\u00fdch\u00a0opat\u0159en\u00edch s t\u00edm souvisej\u00edc\u00edch<\/a>\u00a0Ve sv\u00e9m \u010dl\u00e1nku chci formou citac\u00ed upozornit na nejd\u016fle\u017eit\u011bj\u0161\u00ed oblasti nov\u011b navrhovan\u00e9 regulace a stru\u010dn\u011b je okomentovat.<\/p>\n<p><!--more--><\/p>\n<p><strong>Stav projedn\u00e1n\u00ed<\/strong><\/p>\n<p>Stav projedn\u00e1n\u00ed<\/p>\n<div>\n<ul>\n<li>Novelu p\u0159edlo\u017eilo Ministerstvo financ\u00ed 3.7.2014.<\/li>\n<li>17.7.2014\u00a0<a href=\"http:\/\/www.senat.cz\/xqw\/xervlet\/pssenat\/hlasy?G=14868&amp;O=9\">schv\u00e1lena Poslaneckou sn\u011bmovnou<\/a>.<\/li>\n<li>24.10.2014\u00a0<a href=\"http:\/\/www.senat.cz\/xqw\/xervlet\/pssenat\/hlasovani?action=tisk&amp;O=9&amp;T=344\">vr\u00e1cena Sen\u00e1tem<\/a>\u00a0zp\u011bt Poslaneck\u00e9 sn\u011bmovn\u011b.<\/li>\n<li>9.12.2014 Schv\u00e1lena Poslaneckou sn\u011bmovnou a \u010dek\u00e1 na podpis prezidenta<\/li>\n<\/ul>\n<\/div>\n<p><strong>Rozbor regulace<\/strong><\/p>\n<p>N\u00ed\u017ee uv\u00e1d\u00edm citace z chystan\u00e9 novely, kter\u00e9 mne zaujaly a dopl\u0148uji sv\u016fj stru\u010dn\u00fd koment\u00e1\u0159.<\/p>\n<p>&nbsp;<\/p>\n<p>\u201eSouhrn z\u016fstatk\u016f vklad\u016f \u010dlena spojen\u00fd s \u00farokem nebo obdobnou v\u00fdhodou nesm\u00ed p\u0159ekro\u010dit desetin\u00e1sobek souhrnu jeho splacen\u00e9ho z\u00e1kladn\u00edho \u010dlensk\u00e9ho vkladu a splacen\u00e9ho dal\u0161\u00edho \u010dlensk\u00e9ho vkladu.\u201c<\/p>\n<p>Zakzvan\u00e9 pravidlo 1:10. Tzn. z\u016fstatek na \u00fa\u010dtu nesm\u00ed b\u00fdt vy\u0161\u0161\u00ed ne\u017e 10 procent celkov\u00e9ho \u010dlensk\u00e9ho vkladu \u010dlena z\u00e1lo\u017eny.<\/p>\n<p>Koment\u00e1\u0159: U\u017e jen fakt, \u017ee klient si bude muset u sv\u00fdch vklad\u016f hl\u00eddat, zda vklad nep\u0159erostl hodnotu \u010dlensk\u00e9ho pod\u00edlu, resp. povinnost navy\u0161ovat hodnotu vkladu s r\u016fstem je tak extr\u00e9mn\u011b nepohodln\u00e9 pravidlo, \u017ee se lze ob\u00e1vat, \u017ee spoustu klient\u016f odrad\u00ed a p\u0159evedou sv\u00e9 pen\u00edze jinam: do bank.<\/p>\n<p>&nbsp;<\/p>\n<p><em>\u201eDru\u017estevn\u00ed z\u00e1lo\u017ena m\u016f\u017ee poskytnout jednomu \u010dlenovi, \u010dlen\u016fm, kte\u0159\u00ed jsou\u00a0ekonomicky spjat\u00fdmi osobami, nebo \u010dlen\u016fm, kte\u0159\u00ed jsou osobami bl\u00edzk\u00fdmi podle\u00a0ob\u010dansk\u00e9ho z\u00e1kon\u00edku, \u00fav\u011br do \u00fahrnn\u00e9 v\u00fd\u0161e 30 000 000 K\u010d.&#8221;<\/em><\/p>\n<p>Koment\u00e1\u0159: Prosp\u011b\u0161n\u00e9 opat\u0159en\u00ed, zabra\u0148uj\u00edc\u00ed &#8220;tunelov\u00e1n\u00ed dru\u017estevn\u00edch z\u00e1lo\u017een&#8221;, kter\u00e9 u n\u011bkter\u00fdch, ji\u017e zkrachoval\u00fdch z\u00e1lo\u017een, prob\u011bhlo. Jen je ot\u00e1zka, pro\u010d stejn\u00e9 opat\u0159en\u00ed nen\u00ed i u bank?<\/p>\n<p>&nbsp;<\/p>\n<p><em>&#8220;Bilan\u010dn\u00ed suma dru\u017estevn\u00ed z\u00e1lo\u017eny nesm\u00ed p\u0159ekro\u010dit 5 000 000 000 K\u010d.\u00a0Souhrnn\u00e1 bilan\u010dn\u00ed suma dru\u017estevn\u00edch z\u00e1lo\u017een, kter\u00e9 jsou ovl\u00e1d\u00e1ny stejnou osobou\u00a0nebo osobami jednaj\u00edc\u00edmi ve shod\u011b, nesm\u00ed p\u0159ekro\u010dit 5 000 000 000 K\u010d.\u201c [&#8230;]\u00a0\u201ePokud \u010cesk\u00e1 n\u00e1rodn\u00ed banka zjist\u00ed, \u017ee bilan\u010dn\u00ed suma dru\u017estevn\u00ed z\u00e1lo\u017eny p\u0159ekro\u010dila\u00a05 000 000 000 K\u010d, ulo\u017e\u00ed z\u00e1lo\u017en\u011b opat\u0159en\u00ed k n\u00e1prav\u011b a poskytne p\u0159im\u011b\u0159enou lh\u016ftu ke zjedn\u00e1n\u00ed\u00a0n\u00e1pravy, a to nejv\u00fd\u0161e 1 rok. Nezjedn\u00e1-li dru\u017estevn\u00ed z\u00e1lo\u017ena v t\u00e9to lh\u016ft\u011b n\u00e1pravu, \u010cesk\u00e1\u00a0n\u00e1rodn\u00ed banka j\u00ed odejme povolen\u00ed.&#8221;<\/em><\/p>\n<p>Koment\u00e1\u0159: Toto je nepochybn\u011b nejd\u016fle\u017eit\u011bj\u0161\u00ed zm\u011bnou, kterou p\u0159in\u00e1\u0161\u00ed nov\u00e1 regulace. Z\u00e1lo\u017eny nebudou moci vyr\u016fst nad 5 miliard bilance. Dru\u017estevn\u00ed z\u00e1lo\u017eny tak fakticky pro banky p\u0159estanou b\u00fdt konkurenc\u00ed. Pro p\u0159edstavu, zde je srovn\u00e1n\u00ed s bilan\u010d\u00ed sumou \u010desk\u00fdch bank:<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Velk\u00e9 banky<\/strong><\/p>\n<p>\u010ceskoslovensk\u00e1 obchodn\u00ed banka &#8211; 936 593 000 000<\/p>\n<p>\u010cesk\u00e1 spo\u0159itelna &#8211; 892 598 000 000<\/p>\n<p>Komer\u010dn\u00ed banka &#8211; 754 810 000 000<\/p>\n<p>UniCredit Bank Czech Republic &#8211; 288 744 000 000<\/p>\n<p><strong>St\u0159edn\u00ed banky<\/strong><\/p>\n<p>Raiffeisenbank &#8211; 202 947 000 000<\/p>\n<p>GE Money Bank &#8211; 140 967 000 000<\/p>\n<p>J &amp; T BANKA &#8211; 72 558 000 000<\/p>\n<p>PPF banka &#8211; 65 718 000 000<\/p>\n<p>Volksbank CZ &#8211; 51 790 000 000<\/p>\n<p><strong>Mal\u00e9 banky<\/strong><\/p>\n<p>LBBW Bank CZ &#8211; 27 608 000 000<\/p>\n<p>W\u00fcstenrot hypote\u010dn\u00ed banka &#8211; 19 416 000 000<\/p>\n<p>Fio banka &#8211; 13 535 000 000<\/p>\n<p>Equa bank &#8211; 6 060 000 000<\/p>\n<p>Air Bank &#8211; 3 352 000 000<\/p>\n<p>Stav k 31.12.2011. \u00dadaje v CZK.<\/p>\n<p>Zdroj: v\u00fdro\u010dn\u00ed zpr\u00e1vy jednotliv\u00fdch bank za rok 2011, viz \u010dl\u00e1nek <a href=\"http:\/\/www.mbank.cz\/forum\/thread,214254,velikost-bank-v-cr,1.html\">zde<\/a>.<\/p>\n<p>&nbsp;<\/p>\n<p><em>&#8220;Procentn\u00ed sazba p\u0159\u00edsp\u011bvku\u00a0dru\u017estevn\u00ed z\u00e1lo\u017eny [do Fondu poji\u0161t\u011bn\u00ed vklad\u016f] \u010din\u00ed dvojn\u00e1sobek procentn\u00ed sazby p\u0159\u00edsp\u011bvku banky.&#8221;<\/em><\/p>\n<p>Koment\u00e1\u0159: Zde jsou rovn\u011b\u017e z\u00e1lo\u017eny znev\u00fdhodn\u011bny v\u016f\u010di bank\u00e1m. Z\u0159ejm\u011b je v\u00fdpo\u010det v\u00fd\u0161e p\u0159\u00edsp\u011bvku zalo\u017eena na p\u0159edpokladu, \u017ee dru\u017estevn\u00ed z\u00e1lo\u017eny jsou rizikov\u011bj\u0161\u00ed ne\u017e banky.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Dal\u0161\u00ed zdroje ke \u010dten\u00ed o nov\u00e9 regulaci<\/strong><\/p>\n<p>Chystan\u00e1 legislativn\u00ed zm\u011bna nem\u00e1 odezvu ve &#8220;standardn\u00edch&#8221; m\u00e9di\u00edch, koment\u00e1\u0159e je mo\u017en\u00e9 naj\u00edt jen v n\u011bkter\u00fdch region\u00e1ln\u00edch den\u00edc\u00edch a na finan\u010dn\u00edch webech:<\/p>\n<ul>\n<li><a href=\"http:\/\/www.mesec.cz\/clanky\/stat-chysta-likvidaci-druzstevnich-zalozen\/\">M\u011b\u0161ec: St\u00e1t chyst\u00e1 likvidaci dru\u017estevn\u00edch z\u00e1lo\u017een<\/a><\/li>\n<li><a href=\"http:\/\/www.podnikovyzpravodaj.cz\/novinka\/1551-gabriel-kovacs-predseda-asociace-druzstevnich-zalozen-pravidlo-jedna-ku-deseti-bude-pro-nektere-zalozny-likvidacni\">Podnikov\u00fd zpravodaj: Gabriel Kov\u00e1cs, p\u0159edseda Asociace dru\u017estevn\u00edch z\u00e1lo\u017een: \u201ePravidlo jedna ku deseti bude pro n\u011bkter\u00e9 z\u00e1lo\u017eny likvida\u010dn\u00ed\u201c<\/a><\/li>\n<li><a href=\"http:\/\/www.denik.cz\/ekonomika\/poslanci-podporili-prisnejsi-podminky-pro-druzstevni-zalozny-20140717.html\">Den\u00edk.cz : Poslanci podpo\u0159ili p\u0159\u00edsn\u011bj\u0161\u00ed podm\u00ednky pro dru\u017estevn\u00ed z\u00e1lo\u017eny<\/a><\/li>\n<\/ul>\n<div data-counters='1' data-style='square' data-size='regular' data-url='https:\/\/obcanskymonitoring.cz\/?p=3427' data-title='Recenze nov\u00e9 regulace pro Dru\u017estevn\u00ed z\u00e1lo\u017eny' class='linksalpha_container linksalpha_app_3'><a href='\/\/www.linksalpha.com\/share?network='facebook' class='linksalpha_icon_facebook'><\/a><a href='\/\/www.linksalpha.com\/share?network='twitter' class='linksalpha_icon_twitter'><\/a><a href='\/\/www.linksalpha.com\/share?network='googleplus' class='linksalpha_icon_googleplus'><\/a><a href='\/\/www.linksalpha.com\/share?network='mail' class='linksalpha_icon_mail'><\/a><\/div><div data-position='' data-url='https:\/\/obcanskymonitoring.cz\/?p=3427' data-title='Recenze nov\u00e9 regulace pro Dru\u017estevn\u00ed z\u00e1lo\u017eny' class='linksalpha_container linksalpha_app_7'><a href='\/\/www.linksalpha.com\/share?network='facebook' class='linksalpha_icon_facebook'><\/a><a href='\/\/www.linksalpha.com\/share?network='twitter' class='linksalpha_icon_twitter'><\/a><a href='\/\/www.linksalpha.com\/share?network='googleplus' class='linksalpha_icon_googleplus'><\/a><a href='\/\/www.linksalpha.com\/share?network='mail' class='linksalpha_icon_mail'><\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>&nbsp;946&nbsp;total views V sou\u010dasn\u00e9 dob\u011b prob\u00edh\u00e1 zcela z\u00e1sadn\u00ed zm\u011bna legislativy dru\u017estevn\u00edch z\u00e1lo\u017een. Bude m\u00edt z\u00e1sadn\u00ed dopad na cel\u00e9 odv\u011btv\u00ed podnik\u00e1n\u00ed dru\u017estevn\u00edch z\u00e1lo\u017een. Konkr\u00e9tn\u011b se jedn\u00e1 o novelu z\u00e1kona\u00a0\u010d. 87\/1995 Sb., o spo\u0159iteln\u00edch a \u00fav\u011brn\u00edch dru\u017estvech a n\u011bkter\u00fdch\u00a0opat\u0159en\u00edch s t\u00edm souvisej\u00edc\u00edch\u00a0Ve sv\u00e9m \u010dl\u00e1nku chci formou citac\u00ed upozornit na nejd\u016fle\u017eit\u011bj\u0161\u00ed oblasti nov\u011b navrhovan\u00e9 regulace a stru\u010dn\u011b je [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":[],"categories":[7],"tags":[],"_links":{"self":[{"href":"https:\/\/obcanskymonitoring.cz\/index.php?rest_route=\/wp\/v2\/posts\/3427"}],"collection":[{"href":"https:\/\/obcanskymonitoring.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/obcanskymonitoring.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/obcanskymonitoring.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/obcanskymonitoring.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3427"}],"version-history":[{"count":0,"href":"https:\/\/obcanskymonitoring.cz\/index.php?rest_route=\/wp\/v2\/posts\/3427\/revisions"}],"wp:attachment":[{"href":"https:\/\/obcanskymonitoring.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3427"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/obcanskymonitoring.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3427"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/obcanskymonitoring.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3427"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}