{"id":5677,"date":"2016-08-02T08:34:54","date_gmt":"2016-08-02T08:34:54","guid":{"rendered":"http:\/\/obcanskymonitoring.cz\/?p=5677"},"modified":"2016-08-02T08:41:20","modified_gmt":"2016-08-02T08:41:20","slug":"cnb-zprava-o-vykonu-dohledu-nad-financnim-trhem-v-roce-2015","status":"publish","type":"post","link":"https:\/\/obcanskymonitoring.cz\/?p=5677","title":{"rendered":"\u010cNB: Zpr\u00e1va o v\u00fdkonu dohledu nad finan\u010dn\u00edm trhem v roce 2015"},"content":{"rendered":"
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<\/g><\/svg><\/i>  1,780 total views<\/p>\n

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\"CNB<\/a><\/p>\n

Upozor\u0148ujeme na zaj\u00edmav\u00fd dokument \u010cNB:\u00a0Zpr\u00e1va o v\u00fdkonu dohledu nad finan\u010dn\u00edm trhem v roce 2015. Dokument si m\u016f\u017eete p\u0159e\u010d\u00edst zde<\/a>, z\u00e1loha dokumentu na na\u0161ich str\u00e1nk\u00e1ch je zde<\/a>.<\/p>\n

P\u0159etiskuji pas\u00e1\u017ee z dokumentu, kter\u00e9 mne zaujaly.<\/p>\n

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Pro v\u00fdkon dohledu, a\u0165 u\u017e formou kontroly na m\u00edst\u011b (dohled zalo\u017een\u00fd na osobn\u00ed a p\u00edsemn\u00e9 komunikaci a anal\u00fdze
\ninformac\u00ed), nebo formou dohledu na d\u00e1lku (dohled zalo\u017een\u00fd na p\u00edsemn\u00e9 komunikaci a anal\u00fdze informac\u00ed) nad dodr\u017eov\u00e1n\u00edm
\npovinnost\u00ed dohl\u00ed\u017een\u00fdch subjekt\u016f v oblasti odborn\u00e9 p\u00e9\u010de, p\u0159edstavuj\u00ed pod\u00e1n\u00ed ve\u0159ejnosti podstatn\u00fd zdroj informac\u00ed
\no pln\u011bn\u00ed povinnost\u00ed dohl\u00ed\u017een\u00fdch subjekt\u016f v\u016f\u010di klient\u016fm.<\/p>\n

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V roce 2015 do\u0161lo oproti p\u0159edchoz\u00edmu roku op\u011bt k n\u00e1r\u016fstu celkov\u00e9ho po\u010dtu pod\u00e1n\u00ed sm\u011b\u0159uj\u00edc\u00edch k \u010dinnosti finan\u010dn\u00edch
\ninstituc\u00ed, kter\u00e9 dohl\u00ed\u017e\u00ed \u010cesk\u00e1 n\u00e1rodn\u00ed banka (viz tabulkov\u00fd p\u0159ehled \u2013 Tab. A.XXII).
\nV sektoru \u00fav\u011brov\u00fdch a platebn\u00edch instituc\u00ed se podstatn\u00e1 \u010d\u00e1st podn\u011bt\u016f t\u00fdkala poskytov\u00e1n\u00ed platebn\u00edch slu\u017eeb \u010di nedodr\u017een\u00ed
\nsmluvn\u00edch podm\u00ednek ze strany \u00fav\u011brov\u00fdch instituc\u00ed. U stavebn\u00edch spo\u0159itelen se v\u00fdznamn\u00e9 mno\u017estv\u00ed pod\u00e1n\u00ed t\u00fdkalo
\ni nad\u00e1le vypov\u00edd\u00e1n\u00ed smluv o stavebn\u00edm spo\u0159en\u00ed \u010di p\u0159ed\u010dasn\u00e9ho splacen\u00ed p\u0159eklenovac\u00edho \u00fav\u011bru.
\nZ hlediska mno\u017estv\u00ed a z\u00e1va\u017enosti pod\u00e1n\u00ed se ji\u017e \u0159adu let jev\u00ed situace jako nejv\u00edce problematick\u00e1 v sektoru poji\u0161\u0165ovnictv\u00ed,
\nna kter\u00fd ka\u017edoro\u010dn\u011b p\u0159ipad\u00e1 zpravidla polovina po\u010dtu p\u0159ijat\u00fdch pod\u00e1n\u00ed z cel\u00e9ho finan\u010dn\u00edho trhu. Hlavn\u00edm probl\u00e9mem
\nv sektoru poji\u0161\u0165ovnictv\u00ed je zejm\u00e9na distribuce pojistn\u00fdch produkt\u016f ze strany poji\u0161\u0165ovac\u00edch zprost\u0159edkovatel\u016f. D\u00edl\u010d\u00ed nedostatky
\nu poji\u0161\u0165oven se t\u00fdkaj\u00ed postupu p\u0159i likvidaci pojistn\u00fdch ud\u00e1lost\u00ed a \u0159\u00edzen\u00ed a kontroly jejich distribu\u010dn\u00ed s\u00edt\u011b. Z pohledu
\npojistn\u00fdch produkt\u016f je nad\u00e1le nejv\u00edce probl\u00e9mov\u00e9 investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, u kter\u00e9ho se \u010dasto vyskytuj\u00ed nedostatky
\nzejm\u00e9na p\u0159i sjedn\u00e1v\u00e1n\u00ed poji\u0161t\u011bn\u00ed. Poji\u0161\u0165ovny by p\u0159itom prost\u0159ednictv\u00edm sv\u00e9 distribu\u010dn\u00ed s\u00edt\u011b, jej\u00edm \u00fa\u010dinn\u00fdm \u0159\u00edzen\u00edm a kontrolou,
\nm\u011bly zajistit, aby z\u00e1jemc\u016fm o poji\u0161t\u011bn\u00ed byly pro sjedn\u00e1n\u00ed konkr\u00e9tn\u00edho produktu poskytnuty v\u017edy prokazateln\u011b
\nrelevantn\u00ed a dostate\u010dn\u00e9 informace. Pozitivn\u00ed a dosud trvaj\u00edc\u00ed pokles po\u010dtu pod\u00e1n\u00ed v poji\u0161\u0165ovnictv\u00ed po roce 2012 jednak
\nlze p\u0159i\u010d\u00edtat aplikaci dohledov\u00fdch opat\u0159en\u00ed, nap\u0159. \u010detn\u00fdm dohledov\u00fdm v\u00fdzv\u00e1m a upozor\u0148ov\u00e1n\u00edm dohl\u00ed\u017een\u00fdch subjekt\u016f
\nna zji\u0161t\u011bn\u00e9 nedostatky, d\u00e1le dohledov\u00fdm benchmark\u016fm a \u00fa\u0159edn\u00edm sd\u011blen\u00edm, jejich\u017e c\u00edlem bylo usm\u011brnit v\u00fdklad odborn\u00e9
\np\u00e9\u010de v oblasti poji\u0161\u0165ovnictv\u00ed pr\u00e1v\u011b legitimn\u00edm sm\u011brem, a tak\u00e9 upozornit a informovat ve\u0159ejnost.<\/p>\n

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V roce 2015 ve srovn\u00e1n\u00ed s rokem 2014 do\u0161lo k n\u00e1r\u016fstu po\u010dtu pod\u00e1n\u00ed u pod\u00e1n\u00ed ve\u0159ejnosti t\u00fdkaj\u00edc\u00edch se poskytov\u00e1n\u00ed slu\u017eeb
\nna kapit\u00e1lov\u00e9m trhu, kter\u00e1 sm\u011b\u0159ovala k \u010dinnosti obchodn\u00edk\u016f s cenn\u00fdmi pap\u00edry, investi\u010dn\u00edch zprost\u0159edkovatel\u016f, investi\u010dn\u00edch
\nspole\u010dnost\u00ed a investi\u010dn\u00edch fond\u016f. P\u0159\u00ed\u010dinou p\u0159\u00edr\u016fstku po\u010dtu st\u00ed\u017enost\u00ed nebylo zhor\u0161en\u00ed mor\u00e1lky poskytovatel\u016f slu\u017eeb
\nna kapit\u00e1lov\u00e9m trhu podl\u00e9haj\u00edc\u00edch dohledu \u010cNB. Zv\u00fd\u0161en\u00fd po\u010det st\u00ed\u017enost\u00ed se t\u00fdkal zahrani\u010dn\u00edch obchodn\u00edk\u016f s cenn\u00fdmi
\npap\u00edry, zejm\u00e9na t\u011bch, kte\u0159\u00ed dohledu \u010cNB nepodl\u00e9haj\u00ed, proto\u017ee poskytuj\u00ed investi\u010dn\u00ed slu\u017eby v \u010cR p\u0159eshrani\u010dn\u011b na z\u00e1klad\u011b
\npovolen\u00ed k \u010dinnosti ud\u011blen\u00e9ho org\u00e1nem dohledu jin\u00e9ho \u010dlensk\u00e9ho st\u00e1tu EU a proveden\u00e9ho ozn\u00e1men\u00ed o \u00famyslu poskytovat
\ninvesti\u010dn\u00ed slu\u017eby v \u010cR.<\/p>\n

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Tabulka: p\u0159ehled po\u010dtu p\u0159ijat\u00fdch pod\u00e1n\u00ed na pro\u0161et\u0159en\u00ed<\/a><\/p>\n

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<\/a><\/a><\/a><\/a><\/div>","protected":false},"excerpt":{"rendered":"

 1,780 total views Upozor\u0148ujeme na zaj\u00edmav\u00fd dokument \u010cNB:\u00a0Zpr\u00e1va o v\u00fdkonu dohledu nad finan\u010dn\u00edm trhem v roce 2015. Dokument si m\u016f\u017eete p\u0159e\u010d\u00edst zde, z\u00e1loha dokumentu na na\u0161ich str\u00e1nk\u00e1ch je zde. P\u0159etiskuji pas\u00e1\u017ee z dokumentu, kter\u00e9 mne zaujaly.<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":[],"categories":[30,32],"tags":[],"_links":{"self":[{"href":"https:\/\/obcanskymonitoring.cz\/index.php?rest_route=\/wp\/v2\/posts\/5677"}],"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=5677"}],"version-history":[{"count":0,"href":"https:\/\/obcanskymonitoring.cz\/index.php?rest_route=\/wp\/v2\/posts\/5677\/revisions"}],"wp:attachment":[{"href":"https:\/\/obcanskymonitoring.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=5677"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/obcanskymonitoring.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=5677"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/obcanskymonitoring.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=5677"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}