[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.vaoa.cz\/jak-funguje-v-ekonomice-kredit\/#Article","mainEntityOfPage":"https:\/\/www.vaoa.cz\/jak-funguje-v-ekonomice-kredit\/","headline":"Jak funguje v ekonomice kredit","name":"Jak funguje v ekonomice kredit","description":"Ekonomika je ta\u017eena nab\u00eddkou a popt\u00e1vkou. V\u017edy je t\u0159eba sna\u017eit se o to, aby byl stav co mo\u017en\u00e1 nejm\u00e9n\u011b vych\u00fdlen\u00fd, aby byl zkr\u00e1tka rovnov\u00e1\u017en\u00fd. Rovnov\u00e1ha trhu je vyj\u00e1d\u0159ena nab\u00eddkou pokr\u00fdvaj\u00edc\u00ed celou popt\u00e1vku a naopak, tedy nevznik\u00e1 na trhu ani p\u0159ebytek a ani nadbytek. Samoz\u0159ejm\u011b, \u017ee tento ide\u00e1ln\u00ed stav je prozat\u00edm … ","datePublished":"2019-11-09","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.vaoa.cz\/author\/#Person","name":"vaoa.cz\n","url":"https:\/\/www.vaoa.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/ddbdb36321e5b7d4d861793930db080587341c870bd6ed87a3d36e707e2e9ae3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/ddbdb36321e5b7d4d861793930db080587341c870bd6ed87a3d36e707e2e9ae3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"vaoa.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.vaoa.cz\/wp-content\/uploads\/img_a370427_w1917_t1582105137.jpg","url":"https:\/\/www.vaoa.cz\/wp-content\/uploads\/img_a370427_w1917_t1582105137.jpg","height":0,"width":0},"url":"https:\/\/www.vaoa.cz\/jak-funguje-v-ekonomice-kredit\/","about":["Pen\u00edze"],"wordCount":453,"articleBody":"      Ekonomika je ta\u017eena nab\u00eddkou a popt\u00e1vkou. V\u017edy je t\u0159eba sna\u017eit se o to, aby byl stav co mo\u017en\u00e1 nejm\u00e9n\u011b vych\u00fdlen\u00fd, aby byl zkr\u00e1tka rovnov\u00e1\u017en\u00fd. Rovnov\u00e1ha trhu je vyj\u00e1d\u0159ena nab\u00eddkou pokr\u00fdvaj\u00edc\u00ed celou popt\u00e1vku a naopak, tedy nevznik\u00e1 na trhu ani p\u0159ebytek a ani nadbytek. Samoz\u0159ejm\u011b, \u017ee tento ide\u00e1ln\u00ed stav je prozat\u00edm tak utopick\u00fd, jako Marxovy ideje, ov\u0161em nen\u00ed vylou\u010deno, \u017ee se tam n\u011bkdy nedostaneme. V rovnov\u00e1\u017en\u00e9m stavu by toti\u017e ka\u017ed\u00fd skute\u010dn\u011b dostal to, co chce, v p\u0159esn\u011b dan\u00e9m mno\u017estv\u00ed a nic by nezbylo a ani by se necht\u011blo v\u00edce. To byste sice museli do hlav lid\u00ed naimplantovat n\u011bjak\u00e9 \u0159idi\u010de nebo t\u0159eba programy, ov\u0161em kdo v\u00ed. My se dnes ale budeme zam\u011b\u0159ovat na kredit. Kredit je, krom\u011b pen\u011bz, dal\u0161\u00edm prost\u0159edkem, kter\u00fd m\u016f\u017eeme jako dom\u00e1cnosti (\u010di jedinci) spot\u0159ebov\u00e1vat za \u00fa\u010delem uspokojen\u00ed ze statk\u016f. Pen\u00edze si vyd\u011bl\u00e1v\u00e1me prac\u00ed, vyd\u011bl\u00e1v\u00e1me si je pron\u00e1jmem \u010di jin\u00fdm zp\u016fsobem, ov\u0161em kredit je v\u00fdlu\u010dn\u011b vztah dvou a v\u00edce lid\u00ed. Kredit je vyj\u00e1d\u0159en pohled\u00e1vkou a dluhem, v\u011b\u0159itelem a dlu\u017en\u00edkem. Samoz\u0159ejm\u011b tento vztah m\u016f\u017ee nab\u00fdvat v\u00edcero podob, pro na\u0161e zjednodu\u0161en\u00ed se v\u0161ak budeme zab\u00fdvat ryze touto terminologi\u00ed. Ten, kdo si p\u016fj\u010duje, dost\u00e1v\u00e1 kredit, za kter\u00fd m\u016f\u017ee nakupovat statky a nav\u00fd\u0161it tak spot\u0159ebu nad r\u00e1mec sv\u00fdch p\u0159\u00edjm\u016f. Ten, kdo p\u016fj\u010duje, naopak kredit vytv\u00e1\u0159\u00ed pro n\u011bkoho jin\u00e9ho a o\u010dek\u00e1v\u00e1 za to n\u011bjakou protislu\u017ebu, tedy \u017ee s vypo\u0159\u00e1d\u00e1n\u00edm pohled\u00e1vky bude spojena je\u0161t\u011b n\u011bjak\u00e1 dodate\u010dn\u00e1 satisfakce (krom\u011b navr\u00e1cen\u00ed p\u016fj\u010den\u00e9ho kreditu). TO je nej\u010dast\u011bji vyj\u00e1d\u0159eno formou \u00farok\u016f \u010di odm\u011bn. Takto funguj\u00ed nap\u0159\u00edklad hypot\u00e9ky https:\/\/nebankovni-hypoteka-cz.cz\/hypoteka-bez-registru\/. Lid\u00e9 spot\u0159ebuj\u00ed kredit, aby spot\u0159ebov\u00e1vali v\u00edce \u2013 co utrat\u00ed, jde n\u011bkomu, kdo statky vytv\u00e1\u0159\u00ed \u2013 v\u00fdrobce m\u00e1 v\u00edce financ\u00ed a m\u016f\u017ee tak spot\u0159ebov\u00e1vat v\u00edce \u2013 lid\u00e9, kte\u0159\u00ed dod\u00e1vaj\u00ed materi\u00e1l v\u00fdrobci, maj\u00ed v\u00edce financ\u00ed a mohou si najmout v\u00edce lid\u00ed. A tak jde kruh st\u00e1le dokola. Ov\u0161em ne v\u017edy je to tak r\u016f\u017eov\u00e9. M\u016f\u017ee se toti\u017e st\u00e1t, \u017ee jeden \u010dl\u00e1nek p\u0159estane spl\u00e1cet (z n\u011bjak\u00e9ho http:\/\/www.eurofotbal.cz\/clanky\/fifa-se-bude-zabyvat-budoucnosti-kluboveho-mistrovstvi-sveta-379093\/  d\u016fvodu) a pot\u00e9 nast\u00e1v\u00e1 probl\u00e9m.                                                                                                                                                                                                                                                                                                                                                                                          3.9\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak funguje v ekonomice kredit","item":"https:\/\/www.vaoa.cz\/jak-funguje-v-ekonomice-kredit\/#breadcrumbitem"}]}]