Transformace bankovn\u00edho sektoru v \u010cesku definitivn\u011b skon\u010dila. Leto\u0161n\u00ed krachy Union banky a Plze\u0148sk\u00e9 banky jsou tak z\u0159ejm\u011b posledn\u00ed p\u0159\u00edpady, ve kter\u00fdch hr\u00e1ly roli probl\u00e9my z minulosti, \u0159ekl \u010dlen bankovn\u00ed rady centr\u00e1ln\u00ed banky Pavel Racocha. <\/p>\n
Podle n\u011bkter\u00fdch odhad\u016f dal st\u00e1t na z\u00e1chranu dom\u00e1c\u00edch bank kolem 300 miliard korun. V n\u011bkter\u00fdch p\u0159\u00edpadech, nap\u0159\u00edklad v kauze IPB, je\u0161t\u011b dal\u0161\u00ed miliardy m\u016f\u017ee platit. "Leto\u0161n\u00ed rok lze ozna\u010dit za rok v\u00fdznamn\u00e9 stabilizace bankovn\u00edho trhu v \u010cR," uvedl Racocha. Rozhoduj\u00edc\u00ed banky jsou ji\u017e v rukou zahrani\u010dn\u00edch vlastn\u00edk\u016f, kte\u0159\u00ed p\u0159ivedli nov\u00fd schopn\u00fd management a zku\u0161enosti s \u0159\u00edzen\u00edm bank, dodal. <\/p>\n
Krachy Union banky a Plze\u0148sk\u00e9 banky sice maj\u00ed podle Racochy jin\u00e9 p\u0159\u00ed\u010diny, jsou ale oba d\u016fsledkem v\u00fdvoje v minulosti. "Plze\u0148sk\u00e1 banka n\u011bkolik let \u010dekala na rozhodnut\u00ed soudu," \u0159ekl. V p\u0159\u00edpad\u011b Union banky se pak uk\u00e1zalo, \u017ee \u010desk\u00fd bankovn\u00ed trh je ji\u017e vysp\u011bl\u00fd, proto\u017ee v n\u011bm dlouhodob\u011b nemohla p\u0159e\u017e\u00edt banka se \u0161patn\u00fdm \u0159\u00edzen\u00edm, uvedl Racocha. Podobn\u00e9 p\u0159\u00edpady se nav\u00edc ji\u017e s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed nebudou opakovat. "Nejsem si v\u011bdom \u017e\u00e1dn\u00e9ho p\u0159\u00edpadu u existuj\u00edc\u00ed banky, kter\u00e1 by m\u011bla z minulosti n\u011bjak\u00e9ho kostlivce ve sk\u0159\u00edni. Nejsem si v\u011bdom hrozby rizika n\u011bjak\u00e9ho nov\u00e9ho p\u0159\u00edpadu," uvedl. Je v\u0161ak mo\u017en\u00e9, \u017ee probl\u00e9my bank v minulosti budou d\u00e1l vystupovat u policejn\u00edch vy\u0161et\u0159ov\u00e1n\u00ed, soudn\u00edch \u0159\u00edzen\u00ed \u010di arbitr\u00e1\u017e\u00ed, dodal. <\/p>\n
Na \u010desk\u00e9m bankovn\u00edm trhu nyn\u00ed p\u016fsob\u00ed 35 bank a stavebn\u00edch spo\u0159itelen, z toho je zhruba polovina v zahrani\u010dn\u00edch rukou. V\u011bt\u0161inu trhu ovl\u00e1d\u00e1 tzv. siln\u00e1 trojka, \u010cesk\u00e1 spo\u0159itelna, \u010cSOB a Komer\u010dn\u00ed banka.<\/p>\n
V\u011bt\u0161\u00ed z\u00e1jem o mal\u00e9 a st\u0159edn\u00ed podniky<\/p>\n
\u010cesk\u00e9 banky se po drobn\u00fdch klientech budou v p\u0159\u00ed\u0161t\u00edm roce v\u00edce zaj\u00edmat o mal\u00e9 a st\u0159edn\u00ed podniky, \u0159ekl d\u00e1le Racocha. Mal\u00e9 a st\u0159edn\u00ed podniky maj\u00ed oproti firm\u00e1m se zahrani\u010dn\u00ed \u00fa\u010dast\u00ed nev\u00fdhodu v tom, \u017ee jsou do velk\u00e9 m\u00edry z\u00e1visl\u00e9 na financov\u00e1n\u00ed od dom\u00e1c\u00edch bank. "Nemohou vyd\u00e1vat dluhopisy, nemaj\u00ed p\u0159\u00edstup na zahrani\u010dn\u00ed bankovn\u00ed trhy. Pot\u0159ebuj\u00ed tedy b\u00fdt obslou\u017eeni bankou, kter\u00e1 zn\u00e1 zdej\u0161\u00ed prost\u0159ed\u00ed," uvedl Racocha. Podle n\u011bj tak nen\u00ed pravd\u011bpodobn\u00e9, \u017ee by tuto mezeru na trhu vyu\u017eily po vstupu do EU zahrani\u010dn\u00ed banky, kter\u00e9 by dom\u00e1c\u00edm \u00fastav\u016fm mohly v\u00edce konkurovat. "Toto je pr\u00e1ce, kterou za \u010desk\u00e9 banky nikdo neud\u011bl\u00e1," dodal. <\/p>\n
Men\u0161\u00ed firmy byly je\u0161t\u011b v polovin\u011b 90. let pro banky, kter\u00e9 lovily p\u0159edev\u0161\u00edm velk\u00e9 klienty, nezaj\u00edmav\u00e9. V posledn\u00ed dob\u011b ale banky p\u0159ich\u00e1zej\u00ed s nov\u00fdmi nab\u00eddkami, poskytnut\u00e9 \u00fav\u011bry rostou o des\u00edtky procent. Zm\u011bnu ji\u017e zaznamenali i samotn\u00ed drobn\u00ed podnikatel\u00e9, kter\u00fdch je p\u0159es 400 tis\u00edc. To v\u0161ak podle Racochy neznamen\u00e1, \u017ee by pen\u011b\u017en\u00ed \u00fastavy n\u011bjak ztratily z\u00e1jem o drobn\u00e9 klienty. Podle n\u011bj i v p\u0159\u00ed\u0161t\u00edm roce se bude zvy\u0161ovat \u00fav\u011brov\u00e1n\u00ed dom\u00e1cnost\u00ed, i kdy\u017e z\u0159ejm\u011b pomaleji ne\u017e letos. Banky se budou sna\u017eit oslovit nov\u00e9 klienty, nab\u00eddnout nov\u00e9 slu\u017eby a produkty. "Domn\u00edv\u00e1m se, \u017ee p\u0159\u00ed\u0161t\u00ed rok bude po obchodn\u00ed str\u00e1nce velmi hektick\u00fd," \u0159ekl Racocha.<\/p>\n
Zdroj: Pr\u00e1vo<\/p>\n","protected":false},"excerpt":{"rendered":"
Transformace bankovn\u00edho sektoru v \u010cesku definitivn\u011b skon\u010dila. Leto\u0161n\u00ed krachy Union banky a Plze\u0148sk\u00e9 banky jsou tak z\u0159ejm\u011b posledn\u00ed p\u0159\u00edpady, ve kter\u00fdch hr\u00e1ly roli probl\u00e9my z minulosti, \u0159ekl \u010dlen bankovn\u00ed rady centr\u00e1ln\u00ed banky Pavel Racocha. Podle n\u011bkter\u00fdch odhad\u016f dal st\u00e1t na z\u00e1chranu dom\u00e1c\u00edch bank kolem 300 miliard korun. V n\u011bkter\u00fdch p\u0159\u00edpadech, nap\u0159\u00edklad v kauze IPB, je\u0161t\u011b\u2026 Cel\u00fd \u010dl\u00e1nek »<\/a><\/span><\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"_links":{"self":[{"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=\/wp\/v2\/posts\/672"}],"collection":[{"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=672"}],"version-history":[{"count":0,"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=\/wp\/v2\/posts\/672\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=672"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=672"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=672"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}