[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.krastr.cz\/cesi-a-penize\/#Article","mainEntityOfPage":"https:\/\/www.krastr.cz\/cesi-a-penize\/","headline":"\u010ce\u0161i a pen\u00edze","name":"\u010ce\u0161i a pen\u00edze","description":"Fakta hovo\u0159\u00ed jasn\u011b Finan\u010dn\u00ed gramotnost \u010cech\u016f b\u00fdv\u00e1 pova\u017eov\u00e1na za pr\u016fm\u011brnou a\u017e podpr\u016fm\u011brnou. To, jak jsou \u010ce\u0161i schopn\u00ed hospoda\u0159it s pen\u011bzi, p\u0159itom z\u00e1le\u017e\u00ed na \u0159ad\u011b r\u016fzn\u00fdch faktor\u016f. Pat\u0159\u00ed mezi n\u011b nap\u0159\u00edklad vzd\u011bl\u00e1n\u00ed a s t\u00edm \u010dasto souvisej\u00edc\u00ed p\u0159\u00edjmov\u00e1 skupina. D\u00e1le hraje roli n\u00e1\u0161 v\u011bk, rodinn\u00fd stav a bydli\u0161t\u011b. Z pr\u016fzkum\u016f vych\u00e1z\u00ed, \u017ee nejl\u00e9pe s pen\u011bzi dok\u00e1\u017e\u00ed […]","datePublished":"2025-02-26","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.krastr.cz\/author\/#Person","name":"","url":"https:\/\/www.krastr.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4860d213c5bedfa07ff2b166ff7b069759f9dbf79eae813578c75f9f8cb939b7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4860d213c5bedfa07ff2b166ff7b069759f9dbf79eae813578c75f9f8cb939b7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"krastr.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.krastr.cz\/wp-content\/uploads\/img_a321592_w2036_t1532851314.jpg","url":"https:\/\/www.krastr.cz\/wp-content\/uploads\/img_a321592_w2036_t1532851314.jpg","height":0,"width":0},"url":"https:\/\/www.krastr.cz\/cesi-a-penize\/","wordCount":456,"articleBody":"\tFakta hovo\u0159\u00ed jasn\u011b\tFinan\u010dn\u00ed gramotnost \u010cech\u016f b\u00fdv\u00e1 pova\u017eov\u00e1na za pr\u016fm\u011brnou a\u017e podpr\u016fm\u011brnou. To, jak jsou \u010ce\u0161i schopn\u00ed hospoda\u0159it s pen\u011bzi, p\u0159itom z\u00e1le\u017e\u00ed na \u0159ad\u011b r\u016fzn\u00fdch faktor\u016f. Pat\u0159\u00ed mezi n\u011b nap\u0159\u00edklad vzd\u011bl\u00e1n\u00ed a s t\u00edm \u010dasto souvisej\u00edc\u00ed p\u0159\u00edjmov\u00e1 skupina. D\u00e1le hraje roli n\u00e1\u0161 v\u011bk, rodinn\u00fd stav a bydli\u0161t\u011b. Z pr\u016fzkum\u016f vych\u00e1z\u00ed, \u017ee nejl\u00e9pe s pen\u011bzi dok\u00e1\u017e\u00ed hospoda\u0159it vysoko\u0161kolsky vzd\u011blan\u00ed lid\u00e9 st\u0159edn\u00edho v\u011bku. Za\u017eit\u00e1 kli\u0161\u00e9 p\u0159itom nabour\u00e1v\u00e1 zji\u0161t\u011bn\u00ed, \u017ee co se t\u00fd\u010de schopnosti spr\u00e1vn\u011b s pen\u011bzi zach\u00e1zet, nen\u00ed v \u010cesk\u00e9 republice rozd\u00edl mezi \u017eenami a mu\u017ei. \t\u00a0\tCo se pen\u011bz t\u00fd\u010de, sna\u017e\u00ed se v\u011bt\u0161ina \u010cech\u016f myslet do budoucna a \u010d\u00e1st sv\u00fdch p\u0159\u00edjm\u016f si proto odkl\u00e1dat a \u0161et\u0159it si tak na p\u0159\u00edpadn\u00e9 hor\u0161\u00ed \u010dasy. Nen\u00ed p\u0159itom \u017e\u00e1dn\u00fdm p\u0159ekvapen\u00edm, \u017ee ne ka\u017ed\u00fd m\u00e1 p\u0159i sv\u00fdch p\u0159\u00edjmech tu mo\u017enost na\u0161et\u0159it si n\u011bjak\u00e9 finan\u010dn\u00ed prost\u0159edky. Jedn\u00e1 se p\u0159edev\u0161\u00edm o matky samo\u017eivitelky \u010di seniory, jejich\u017e p\u0159\u00edjmy plynou pouze ze starobn\u00edho d\u016fchodu. Pr\u016fzkumy rovn\u011b\u017e ukazuj\u00ed, \u017ee \u010ce\u0161i maj\u00ed pot\u00ed\u017ee zorientovat se v oblasti \u00fav\u011br\u016f a dal\u0161\u00edch produktech finan\u010dn\u00edho trhu. \t\u00a0\t\u00a0\tKdy\u017e se to s financemi opravdu neda\u0159\u00ed\tNa\u0161\u00ed nelichotivou vizitkou jsou exekuce. \u010ce\u0161i maj\u00ed nejv\u011bt\u0161\u00ed pod\u00edl exekuc\u00ed na obyvatele EU, kdy t\u00e9m\u011b\u0159 desetina \u010cech\u016f nad patn\u00e1ct let je exekuc\u00ed zat\u00ed\u017eena. A to navzdory rekordn\u011b n\u00edzk\u00e9 nezam\u011bstnanosti. Je v\u0161ak ot\u00e1zkou, zda m\u00e1 tento v\u00fdsledek na sv\u011bdom\u00ed neschopnost \u010cech\u016f spr\u00e1vn\u011b s pen\u011bzi hospoda\u0159it, nebo zda se jedn\u00e1 o \u0161patn\u011b nastaven\u00fd syst\u00e9m vym\u00e1han\u00ed dluh\u016f. V \u010cesk\u00e9 republice se nap\u0159\u00edklad neplat\u00ed soudn\u00ed poplatek za veden\u00ed exekuce, a to vede ke zneu\u017e\u00edv\u00e1n\u00ed syst\u00e9mu. \t\u00a0\tCo s t\u00edm?\t\u0158e\u0161en\u00ed st\u00e1le je\u0161t\u011b nedostate\u010dn\u00e9 finan\u010dn\u00ed gramotnosti u obyvatel \u010cesk\u00e9 republiky by m\u011blo b\u00fdt zah\u00e1jeno u\u017e na z\u00e1kladn\u00edch \u0161kol\u00e1ch. Nem\u011blo by v\u0161ak spo\u010d\u00edvat v otrock\u00e9m u\u010den\u00ed jednotliv\u00fdch pojm\u016f s financemi souvisej\u00edc\u00edch, n\u00fdbr\u017e podporou spr\u00e1vn\u00e9ho finan\u010dn\u00edho pl\u00e1nov\u00e1n\u00ed. Co se t\u00fd\u010de osv\u011bty dosp\u011bl\u00fdch v oblasti finan\u010dn\u00ed gramotnosti, mohou vyu\u017e\u00edt vzd\u011bl\u00e1vac\u00ed program, za kter\u00fdm stoj\u00ed \u010cesk\u00e1 bankovn\u00ed asociace ve spolupr\u00e1ci s dal\u0161\u00edmi sdru\u017een\u00edmi p\u016fsob\u00edc\u00edmi na finan\u010dn\u00edm trhu v \u010cesk\u00e9 republice. \u00a0\t\u00a0                                                                                                                                                                                                                                                                                                                                                                                        4.8\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u010ce\u0161i a pen\u00edze","item":"https:\/\/www.krastr.cz\/cesi-a-penize\/#breadcrumbitem"}]}]