[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.orzan.sk\/ako-posobi-centralna-banka-slovenska-na-komercne-banky\/#Article","mainEntityOfPage":"https:\/\/www.orzan.sk\/ako-posobi-centralna-banka-slovenska-na-komercne-banky\/","headline":"Ako p\u00f4sob\u00ed centr\u00e1lna banka Slovenska na komer\u010dn\u00e9 banky?","name":"Ako p\u00f4sob\u00ed centr\u00e1lna banka Slovenska na komer\u010dn\u00e9 banky?","description":"Vz\u00e1jomn\u00e9 p\u00f4sobenie medzi centr\u00e1lnou bankou a\u00a0komer\u010dn\u00fdmi bankami je mo\u017en\u00e9 v\u010faka previazanosti bilanci\u00ed b\u00e1nk. Bilancia b\u00e1nk predstavuje rozdelenie na akt\u00edva a\u00a0pas\u00edva, pri\u010dom aj N\u00e1rodn\u00e1 banka Slovenska","datePublished":"2020-01-17","dateModified":"2020-01-17","author":{"@type":"Person","@id":"https:\/\/www.orzan.sk\/author\/#Person","name":"","url":"https:\/\/www.orzan.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/014a645f9f16d49aceddb25e316448c724bd78e7db0ee7a34c29417d5ca39ef1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/014a645f9f16d49aceddb25e316448c724bd78e7db0ee7a34c29417d5ca39ef1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"orzan.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.orzan.sk\/wp-content\/uploads\/img_a302917_w2018_t1562341207.jpg","url":"https:\/\/www.orzan.sk\/wp-content\/uploads\/img_a302917_w2018_t1562341207.jpg","height":0,"width":0},"url":"https:\/\/www.orzan.sk\/ako-posobi-centralna-banka-slovenska-na-komercne-banky\/","wordCount":401,"articleBody":"Vz\u00e1jomn\u00e9 p\u00f4sobenie medzi centr\u00e1lnou bankou a\u00a0komer\u010dn\u00fdmi bankami je mo\u017en\u00e9 v\u010faka previazanosti bilanci\u00ed b\u00e1nk.Bilancia b\u00e1nk predstavuje rozdelenie na akt\u00edva a\u00a0pas\u00edva, pri\u010dom aj N\u00e1rodn\u00e1 banka Slovenska aj komer\u010dn\u00e9 banky ju vn\u00edmaj\u00fa \u0161pecificky.NBS vn\u00edma svoje zdroje, odkia\u013e z\u00edskala peniaze ako pas\u00edva, teda majetok, ktor\u00fd neprin\u00e1\u0161a zisk. Ako zisk na opa\u010dnej strane vn\u00edma sp\u00f4sob, ak\u00fdm sa tieto zdroje tvoria.Pri komer\u010dnej banke pas\u00edva predstavuj\u00fa zdroje banky a\u00a0akt\u00edva s\u00fa, t\u00fdm p\u00e1dom, sp\u00f4soby pou\u017eitia t\u00fdchto zdrojov.Vysvetlime si to na pr\u00edklade. Ak banka z\u00edska financie v\u00a0podobe vkladu od vkladate\u013ea, predstavuje to pas\u00edva. Ke\u010f tieto financie poskytne v\u00a0podobe \u00faveru in\u00e9mu klientovi, jedn\u00e1 sa o\u00a0akt\u00edva, preto\u017ee z\u00a0toho banka dosahuje zisk v\u00a0podobe \u00farokov.Hlavn\u00fdm cie\u013eom centr\u00e1lnej bankyje udr\u017eanie stabilnej menovej politiky. A\u00a0preto t\u00e1to in\u0161tit\u00facia vykon\u00e1va dozor nad hierarchicky ni\u017e\u0161\u00edmi bankami, ke\u010f\u017ee na \u00fazem\u00ed Slovenskej republiky je z\u00e1konn\u00e1 dvojstup\u0148ov\u00e1 bankov\u00e1 s\u00fastava, kde prv\u00fd stupe\u0148 predstavuje N\u00e1rodn\u00e1 banka Slovenska a\u00a0druh\u00fd stupe\u0148 s\u00fa ostatn\u00e9 bankov\u00e9 in\u0161tit\u00facie.Ide teda o\u00a0n\u00e1stroje menovej politiky, ktor\u00fdmi vpl\u00fdva na zmenu zdrojov (financi\u00ed) v\u00a0bankovej s\u00fastave Slovenskej republiky, a\u00a0to:1.n\u00e1kup a\u00a0predaj \u0161t\u00e1tnych cenn\u00fdch papierov, ktor\u00fd sa uskuto\u010d\u0148uje medzi centr\u00e1lnou a\u00a0komer\u010dn\u00fdmi bankami \u2013 n\u00e1kup od\u010derp\u00e1va vo\u013en\u00e9 prostriedky zo sektora bankovn\u00edctva, pri\u010dom sa tie\u017e zni\u017euje mno\u017estvo rezerv, predaj p\u00f4sob\u00ed opa\u010dne2. poskytovanie \u00faverov in\u00fdm bank\u00e1m\u2013 t\u00fdmto sp\u00f4sobom sa zvy\u0161uje mno\u017estvo rezerv a\u00a0naopak spl\u00e1canie \u00faverov p\u00f4sob\u00ed opa\u010dne3. zmena sadzby povinn\u00fdch minim\u00e1lnych rezerv\u2013 pri zv\u00fd\u0161en\u00ed percentu\u00e1lnej sadzby doch\u00e1dza k\u00a0zn\u00ed\u017eeniu vo\u013en\u00fdch zdrojov b\u00e1nk a\u00a0opa\u010dne, pri zn\u00ed\u017een\u00ed tejto sadzby sa zv\u00fd\u0161ia vo\u013en\u00e9 zdroje\u00a0Bilancie b\u00e1nkpritom s\u00fa vz\u00e1jomne prepojen\u00e9 prostredn\u00edctvom syst\u00e9mu rezerv bankovej s\u00fastavy. Nejde len o\u00a0povinn\u00e9 minim\u00e1lne rezervy, ktor\u00e9 banka mus\u00ed uklada\u0165 na svoj \u00fa\u010det pod spr\u00e1vou centr\u00e1lnej in\u0161tit\u00facie. Pod t\u00fdmto pojmom je vn\u00edman\u00fd objem zdrojov, ktor\u00e9 maj\u00fa potenci\u00e1l by\u0165 vyu\u017e\u00edvan\u00e9, napr\u00edklad \u00favery.                                                                                                                                                                                                                                                                                                                                                                                        4\/5 - (1 vote)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Ako p\u00f4sob\u00ed centr\u00e1lna banka Slovenska na komer\u010dn\u00e9 banky?","item":"https:\/\/www.orzan.sk\/ako-posobi-centralna-banka-slovenska-na-komercne-banky\/#breadcrumbitem"}]}]