{"id":26660,"date":"2024-05-10T07:52:25","date_gmt":"2024-05-10T07:52:25","guid":{"rendered":"https:\/\/www.theconservative.online\/transformace-bankovnictvi-v-eu-pripad-pobalti"},"modified":"2024-05-10T07:53:19","modified_gmt":"2024-05-10T07:53:19","slug":"transformace-bankovnictvi-v-eu-pripad-pobalti","status":"publish","type":"post","link":"https:\/\/www.theconservative.online\/cs\/transformace-bankovnictvi-v-eu-pripad-pobalti","title":{"rendered":"Transformace bankovnictv\u00ed v EU: p\u0159\u00edpad Pobalt\u00ed"},"content":{"rendered":"<p><span data-contrast=\"auto\">Slova banka, finance, p\u016fj\u010dka nebo p\u0159evod nejsou nezn\u00e1m\u00e1 nikomu, kdo je dostate\u010dn\u011b star\u00fd na to, aby byl schopen prov\u00e9st jakoukoli pen\u011b\u017en\u00ed transakci. V d\u016fsledku profesionalizace ekonomie v ob\u010dansk\u00e9 spole\u010dnosti, tj. od doby, kdy ob\u010dan\u00e9 z\u00edskali znalosti v ekonomick\u00fdch term\u00ednech, se v\u0161ak objevilo mnoho nov\u00fdch term\u00edn\u016f; mezi n\u011b pat\u0159\u00ed nap\u0159. m\u00edra n\u00e1vratnosti kapit\u00e1lu nebo \u010dist\u00e1 \u00farokov\u00e1 mar\u017ee.  <\/span><span data-ccp-props=\"{\"201341983\":0,\"335551550\":6,\"335551620\":6,\"335559739\":160,\"335559740\":278}\"> <\/span><\/p>\n<p><span data-contrast=\"auto\">Mo\u017en\u00e1, \u017ee t\u00e9m\u011b\u0159 cyklick\u00e9 hospod\u00e1\u0159sk\u00e9 krize od roku 2008, zranitelnost bankovn\u00edho sektoru p\u0159i zav\u00e1d\u011bn\u00ed nov\u00fdch technologick\u00fdch n\u00e1stroj\u016f, nejistota po rusk\u00e9 invazi na Ukrajinu nebo inflace vyvolaly ve spole\u010dnosti pocit obav nebo z\u00e1jmu o to, aby v\u011bd\u011bla, co se d\u011bje s jej\u00edmi pen\u011bzi. To, krom\u011b mnoha dal\u0161\u00edch \u00fadaj\u016f, ukazuje zpr\u00e1va p\u0159edlo\u017een\u00e1 Evropskou parlamentn\u00ed skupinou ECR &#8222;Transformace bankovn\u00edho sektoru v Evropsk\u00e9 unii a severn\u00ed Evrop\u011b a jej\u00ed dopad na hospod\u00e1\u0159skou sout\u011b\u017e v pobaltsk\u00fdch st\u00e1tech&#8220;.  <\/span><span data-ccp-props=\"{\"201341983\":0,\"335551550\":6,\"335551620\":6,\"335559739\":160,\"335559740\":278}\"> <\/span><\/p>\n<p><span data-contrast=\"auto\">V tomto p\u0159\u00edpad\u011b se sice obecn\u011b uva\u017euje o sou\u010dasn\u00e9 situaci finan\u010dn\u00edho sektoru v Evrop\u011b, ale z\u00e1rove\u0148 se poukazuje na zvl\u00e1\u0161tnosti, kter\u00e9 tento sektor v pobaltsk\u00fdch zem\u00edch charakterizuj\u00ed: Litva, Loty\u0161sko a Estonsko, vedou k d\u016fle\u017eit\u00fdm z\u00e1v\u011br\u016fm.  <\/span><span data-ccp-props=\"{\"201341983\":0,\"335551550\":6,\"335551620\":6,\"335559739\":160,\"335559740\":278}\"> <\/span><\/p>\n<p><span data-contrast=\"auto\">P\u0159edev\u0161\u00edm je t\u0159eba zd\u016fraznit, \u017ee \u010dinnost bankovn\u00edch a finan\u010dn\u00edch instituc\u00ed je d\u016fle\u017eit\u00e1 pro celou spole\u010dnost v kter\u00e9koli \u010d\u00e1sti sv\u011bta. Jin\u00fdmi slovy, banky jsou mimo jin\u00e9 zodpov\u011bdn\u00e9 za financov\u00e1n\u00ed most\u016f, silnic, leti\u0161\u0165 a r\u016fzn\u00fdch infrastruktur, kter\u00e9 jsou nezbytn\u00e9 pro \u0159\u00e1dn\u00e9 fungov\u00e1n\u00ed ka\u017ed\u00e9 komunity. Nav\u00edc nejde jen o vytvo\u0159en\u00ed nov\u00e9 infrastruktury, ale tak\u00e9 o vytvo\u0159en\u00ed nov\u00fdch pracovn\u00edch m\u00edst a zv\u00fd\u0161en\u00ed po\u010dtu pracovn\u00edch m\u00edst, co\u017e m\u00e1 n\u00e1sledn\u00fd p\u0159\u00ednos pro ekonomick\u00e9 a soci\u00e1ln\u00ed zdrav\u00ed.  <\/span><span data-ccp-props=\"{\"201341983\":0,\"335551550\":6,\"335551620\":6,\"335559739\":160,\"335559740\":278}\"> <\/span><\/p>\n<p><span data-contrast=\"auto\">V\u00fd\u0161e zm\u00edn\u011bn\u00e9 zm\u011bny \u010di okolnosti s sebou p\u0159inesly hlubok\u00e9, t\u00e9m\u011b\u0159 struktur\u00e1ln\u00ed zm\u011bny ve finan\u010dn\u00edm sektoru, co\u017e je p\u0159\u00edm\u00fd d\u016fsledek p\u0159evl\u00e1daj\u00edc\u00ed pot\u0159eby existence bank, kter\u00e9 je v\u0161ak t\u0159eba p\u0159ev\u00e9st do digit\u00e1ln\u011bj\u0161\u00ed reality. Vznikaj\u00ed tak takzvan\u00e9 &#8222;neobanky&#8220;, tedy banky, kter\u00e9 nab\u00edzej\u00ed pouze digit\u00e1ln\u00ed slu\u017eby. To se v sou\u010dasn\u00e9 technologick\u00e9 dob\u011b jev\u00ed jako v\u00fdhoda a v\u00edce ne\u017e u\u017eite\u010dn\u00fd n\u00e1stroj, jak neprop\u00e1snout to, co n\u011bkte\u0159\u00ed naz\u00fdvaj\u00ed technologickou revoluc\u00ed. Na druhou stranu to v \u017e\u00e1dn\u00e9m p\u0159\u00edpad\u011b nem\u016f\u017ee b\u00fdt na \u00fakor z\u00e1kladn\u00ed slu\u017eby, kter\u00e1, jak bylo uvedeno v p\u0159edchoz\u00edch \u0159\u00e1dc\u00edch, se z\u0159ejm\u011b t\u00fdk\u00e1 ka\u017ed\u00e9ho \u010dlov\u011bka dostate\u010dn\u011b star\u00e9ho na to, aby mohl prov\u00e9st ekonomickou transakci. Tato skute\u010dnost m\u00e1 negativn\u00ed a p\u0159\u00edm\u00e9 d\u016fsledky zejm\u00e9na pro nejstar\u0161\u00ed vrstvy evropsk\u00e9ho obyvatelstva, tedy pro ty, kter\u00fdm vd\u011b\u010d\u00edme za vytvo\u0159en\u00ed t\u00e9to Evropy a t\u00e9to spole\u010dnosti m\u00edru a do jist\u00e9 m\u00edry i prosperity. Evropsk\u00e9 instituce proto mus\u00ed ze sv\u00e9 regula\u010dn\u00ed pravomoci zajistit bankovn\u00ed slu\u017eby, kter\u00e9 mohou star\u0161\u00ed lid\u00e9 pot\u0159ebovat, a v\u011bnovat zvl\u00e1\u0161tn\u00ed pozornost tak\u00e9 t\u011bm region\u016fm s rozs\u00e1hl\u00fdmi venkovsk\u00fdmi oblastmi, jako je \u0160pan\u011blsko nebo Polsko, kde je z\u00e1kladn\u00edch slu\u017eeb nedostatek.<\/span><span data-ccp-props=\"{\"201341983\":0,\"335551550\":6,\"335551620\":6,\"335559739\":160,\"335559740\":278}\"> <\/span><\/p>\n<p><span data-contrast=\"auto\">Dal\u0161\u00edm zaj\u00edmav\u00fdm z\u00e1v\u011brem, kter\u00fd lze z t\u00e9to zpr\u00e1vy vyvodit a kter\u00fd souvis\u00ed s p\u0159edchoz\u00edm bodem, jsou politiky ESG, kter\u00e9 banky zav\u00e1d\u011bj\u00ed. Jin\u00fdmi slovy, politiky, jejich\u017e z\u00e1kladem je \u017eivotn\u00ed prost\u0159ed\u00ed, soci\u00e1ln\u00ed odpov\u011bdnost a \u0159\u00e1dn\u00e1 spr\u00e1va v\u011bc\u00ed ve\u0159ejn\u00fdch a kter\u00e9 vyvolaly tolik kontroverz\u00ed v zem\u00edch, jako jsou Spojen\u00e9 st\u00e1ty. V Evropsk\u00e9 unii se v\u0161ak st\u00e1le v\u00edce spole\u010dnost\u00ed, v\u010detn\u011b t\u011bch ekonomick\u00fdch, rozhoduje tyto politiky uplat\u0148ovat, i kdy\u017e zapom\u00ednaj\u00ed na to, co je pro finan\u010dn\u00ed instituce d\u016fle\u017eit\u00e9: nab\u00edzet zaru\u010den\u00e9 slu\u017eby, kter\u00e9 funguj\u00ed pro v\u0161echny ob\u010dany bez ohledu na v\u011bk, ekonomickou situaci nebo kontext.  <\/span><span data-ccp-props=\"{\"201341983\":0,\"335551550\":6,\"335551620\":6,\"335559739\":160,\"335559740\":278}\"> <\/span><\/p>\n<p><span data-contrast=\"auto\">Tyto dva v\u00fd\u0161e zm\u00edn\u011bn\u00e9 probl\u00e9my, uplat\u0148ov\u00e1n\u00ed politik ESG a nov\u00fd model technologick\u00fdch bank, urychlily vznik jevu, kter\u00fd zpr\u00e1va, a zde je dal\u0161\u00ed ze z\u00e1v\u011br\u016f, naz\u00fdv\u00e1 mobilitou n\u00e1klad\u016f. Pravdou je, \u017ee podle pr\u016fzkumu Global Banking Consumer Survey 2023 spole\u010dnosti Accenture hodnot\u00ed nab\u00eddku produkt\u016f sv\u00e9 banky vysoko pouze 23 % dot\u00e1zan\u00fdch ob\u010dan\u016f a nav\u00edc se zd\u00e1, \u017ee tento trend vede k rozd\u011blen\u00ed n\u00e1kupu finan\u010dn\u00edch slu\u017eeb u r\u016fzn\u00fdch subjekt\u016f stejn\u00fdm u\u017eivatelem. Tato skute\u010dnost je v r\u00e1mci Evropsk\u00e9 unie je\u0161t\u011b v\u00edce zd\u016frazn\u011bna v pobaltsk\u00fdch zem\u00edch: To vede k posledn\u00edmu z\u00e1v\u011bru.<\/span><span data-ccp-props=\"{\"201341983\":0,\"335551550\":6,\"335551620\":6,\"335559739\":160,\"335559740\":278}\"> <\/span><\/p>\n<p><span data-contrast=\"auto\">Zd\u00e1 se, \u017ee pobaltsk\u00e9 zem\u011b maj\u00ed dva hlavn\u00ed probl\u00e9my, kter\u00e9 je vy\u010dle\u0148uj\u00ed z trendu, kter\u00fd si udr\u017euj\u00ed ostatn\u00ed st\u00e1ty Evropsk\u00e9 unie. Na jedn\u00e9 stran\u011b se zd\u00e1, \u017ee se zahrani\u010dn\u00edmi klienty p\u016fsob\u00edc\u00edmi v t\u011bchto bank\u00e1ch jsou probl\u00e9my kv\u016fli jejich geografick\u00e9 bl\u00edzkosti k Rusku, kter\u00e9 mus\u00ed uplat\u0148ovat p\u0159\u00edsn\u00e1 opat\u0159en\u00ed proti pran\u00ed \u0161pinav\u00fdch pen\u011bz nebo korup\u010dn\u00edmu jedn\u00e1n\u00ed, co\u017e vedlo k poklesu po\u010dtu klient\u016f. Na druhou stranu se zd\u00e1, \u017ee banky v t\u011bchto zem\u00edch, zejm\u00e9na v Loty\u0161sku, jsou siln\u011b z\u00e1visl\u00e9 na \u0161v\u00e9dsk\u00fdch bank\u00e1ch, co\u017e je \u010din\u00ed m\u00e9n\u011b konkurenceschopn\u00fdmi na region\u00e1ln\u00ed i m\u00edstn\u00ed \u00farovni. To pro n\u011b znamen\u00e1 men\u0161\u00ed motivaci nab\u00edzet mezi sebou konzistentn\u00ed nab\u00eddky \u00farokov\u00fdch sazeb pro spl\u00e1cen\u00ed hypot\u00e9k nebo \u00fav\u011br\u016f, tak\u017ee alternativ je v t\u011bchto zem\u00edch m\u00e1lo, co\u017e z nich \u010din\u00ed evropskou v\u00fdjimku.  <\/span><span data-ccp-props=\"{\"201341983\":0,\"335551550\":6,\"335551620\":6,\"335559739\":160,\"335559740\":278}\"> <\/span><\/p>\n<p><span data-contrast=\"auto\">Mo\u017en\u00fdm \u0159e\u0161en\u00edm t\u011bchto probl\u00e9m\u016f by proto mohla b\u00fdt revize institucion\u00e1ln\u00edch po\u017eadavk\u016f na banky, kter\u00e1 by respektovala jejich dobrou pr\u00e1ci a nez\u00e1vislost, ale pamatovala by na nutnost nab\u00edzet komplexn\u00ed slu\u017eby, kter\u00e9 uspokoj\u00ed pot\u0159eby v\u0161ech soci\u00e1ln\u00edch vrstev, a tak\u00e9 na to, aby pobaltsk\u00e9 zem\u011b dos\u00e1hly v\u011bt\u0161\u00ed m\u00edry z\u00e1vislosti na rusk\u00fdch klientech, kte\u0159\u00ed ne v\u017edy funguj\u00ed podle z\u00e1konn\u00fdch vzorc\u016f, a dos\u00e1hly v\u011bt\u0161\u00ed finan\u010dn\u00ed suverenity v\u016f\u010di vn\u011bj\u0161\u00edm subjekt\u016fm, kter\u00e9 br\u00e1n\u00ed konkurenceschopnosti a slu\u017eb\u00e1m pro ob\u010dany.<\/span><span data-ccp-props=\"{\"201341983\":0,\"335551550\":6,\"335551620\":6,\"335559739\":160,\"335559740\":278}\"> <\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Slova banka, finance, p\u016fj\u010dka nebo p\u0159evod nejsou nezn\u00e1m\u00e1 nikomu, kdo je dostate\u010dn\u011b star\u00fd na to, aby byl schopen prov\u00e9st jakoukoli pen\u011b\u017en\u00ed transakci. V d\u016fsledku profesionalizace ekonomie v ob\u010dansk\u00e9 spole\u010dnosti, tj. od doby, kdy ob\u010dan\u00e9 z\u00edskali znalosti v ekonomick\u00fdch term\u00ednech, se v\u0161ak objevilo mnoho nov\u00fdch term\u00edn\u016f; mezi n\u011b pat\u0159\u00ed nap\u0159. m\u00edra n\u00e1vratnosti kapit\u00e1lu nebo \u010dist\u00e1 \u00farokov\u00e1 [&hellip;]<\/p>\n","protected":false},"author":48,"featured_media":26622,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[150],"tags":[],"editorial-positions":[42],"regions":[344],"types":[441],"class_list":["post-26660","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-obchod-a-ekonomika","editorial-positions-focus","regions-northern-europe-cs","types-surveys-cs"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Transformace bankovnictv\u00ed v EU: p\u0159\u00edpad Pobalt\u00ed - The Conservative<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.theconservative.online\/cs\/transformace-bankovnictvi-v-eu-pripad-pobalti\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Transformace bankovnictv\u00ed v EU: p\u0159\u00edpad Pobalt\u00ed - The Conservative\" \/>\n<meta property=\"og:description\" content=\"Slova banka, finance, p\u016fj\u010dka nebo p\u0159evod nejsou nezn\u00e1m\u00e1 nikomu, kdo je dostate\u010dn\u011b star\u00fd na to, aby byl schopen prov\u00e9st jakoukoli pen\u011b\u017en\u00ed transakci. V d\u016fsledku profesionalizace ekonomie v ob\u010dansk\u00e9 spole\u010dnosti, tj. od doby, kdy ob\u010dan\u00e9 z\u00edskali znalosti v ekonomick\u00fdch term\u00ednech, se v\u0161ak objevilo mnoho nov\u00fdch term\u00edn\u016f; mezi n\u011b pat\u0159\u00ed nap\u0159. m\u00edra n\u00e1vratnosti kapit\u00e1lu nebo \u010dist\u00e1 \u00farokov\u00e1 [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.theconservative.online\/cs\/transformace-bankovnictvi-v-eu-pripad-pobalti\" \/>\n<meta property=\"og:site_name\" content=\"The Conservative\" \/>\n<meta property=\"article:published_time\" content=\"2024-05-10T07:52:25+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-05-10T07:53:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.theconservative.online\/wp-content\/uploads\/2024\/05\/shutterstock_1544554310.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"667\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Rodrigo Gomez\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Napsal(a)\" \/>\n\t<meta name=\"twitter:data1\" content=\"Rodrigo Gomez\" \/>\n\t<meta name=\"twitter:label2\" content=\"Odhadovan\u00e1 doba \u010dten\u00ed\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.theconservative.online\/cs\/transformace-bankovnictvi-v-eu-pripad-pobalti#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.theconservative.online\/cs\/transformace-bankovnictvi-v-eu-pripad-pobalti\"},\"author\":{\"name\":\"Rodrigo Gomez\",\"@id\":\"https:\/\/www.theconservative.online\/cs#\/schema\/person\/ec4d8e2090230626fdbed13abbd49d46\"},\"headline\":\"Transformace bankovnictv\u00ed v EU: p\u0159\u00edpad Pobalt\u00ed\",\"datePublished\":\"2024-05-10T07:52:25+00:00\",\"dateModified\":\"2024-05-10T07:53:19+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.theconservative.online\/cs\/transformace-bankovnictvi-v-eu-pripad-pobalti\"},\"wordCount\":1104,\"image\":{\"@id\":\"https:\/\/www.theconservative.online\/cs\/transformace-bankovnictvi-v-eu-pripad-pobalti#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.theconservative.online\/wp-content\/uploads\/2024\/05\/shutterstock_1544554310.jpg\",\"articleSection\":[\"Obchod a ekonomika\"],\"inLanguage\":\"cs\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.theconservative.online\/cs\/transformace-bankovnictvi-v-eu-pripad-pobalti\",\"url\":\"https:\/\/www.theconservative.online\/cs\/transformace-bankovnictvi-v-eu-pripad-pobalti\",\"name\":\"Transformace bankovnictv\u00ed v EU: p\u0159\u00edpad Pobalt\u00ed - 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