[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/diskontni-uver\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/diskontni-uver\/","headline":"Diskontn\u00ed \u00fav\u011br","name":"Diskontn\u00ed \u00fav\u011br","description":"Pomoc\u00ed diskontn\u00edho \u00fav\u011bru se dost\u00e1v\u00e1me hluboko do oblasti financ\u00ed. Nedostaneme se pouze na hladinu, nebo pod vodu n\u011bkolik metr\u016f, ale p\u0159\u00edmo do hlubin samotn\u00e9 propasti. T\u00edm samoz\u0159ejm\u011b chceme nazna\u010dit, \u017ee se nevyskytujeme t\u00edmto slovem v&nbsp;\u017e\u00e1dn\u00fdch b\u011b\u017en\u00fdch \u00fav\u011brech ani p\u016fj\u010dk\u00e1ch, ale \u017ee jsme \u00fapln\u011b n\u011bkde jinde. Zabrous\u00edme toti\u017e do oblasti bank a jejich poskytovatel\u016f \u00fav\u011br\u016f. I &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/diskontni-uver\/\"> <span class=\"screen-reader-text\">Diskontn\u00ed \u00fav\u011br<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-21","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.zerba.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zerba.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zerba.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.zerba.cz\/diskontni-uver\/","about":["P\u016fj\u010dky"],"wordCount":436,"articleBody":"Pomoc\u00ed diskontn\u00edho \u00fav\u011bru se dost\u00e1v\u00e1me hluboko do oblasti financ\u00ed. Nedostaneme se pouze na hladinu, nebo pod vodu n\u011bkolik metr\u016f, ale p\u0159\u00edmo do hlubin samotn\u00e9 propasti. T\u00edm samoz\u0159ejm\u011b chceme nazna\u010dit, \u017ee se nevyskytujeme t\u00edmto slovem v&nbsp;\u017e\u00e1dn\u00fdch b\u011b\u017en\u00fdch \u00fav\u011brech ani p\u016fj\u010dk\u00e1ch, ale \u017ee jsme \u00fapln\u011b n\u011bkde jinde. Zabrous\u00edme toti\u017e do oblasti bank a jejich poskytovatel\u016f \u00fav\u011br\u016f. I bank\u00e1m toti\u017e n\u011bkdo mus\u00ed poskytovat pen\u00edze, aby ony mohly p\u016fj\u010dovat lidem a podnikatel\u016fm a tak d\u00e1le. Tento koloto\u010d n\u011bkde mus\u00ed za\u010d\u00edt.Bank\u00e1m poskytuj\u00ed pen\u00edze centr\u00e1ln\u00ed banky. Mohou jim poskytnout pen\u00edze pomoc\u00ed \u00fav\u011br\u016f. Existuj\u00ed t\u0159i z\u00e1kladn\u00ed typy \u00fav\u011br\u016f: diskontn\u00ed, reeskontn\u00ed, lombardn\u00ed.\tNejb\u011b\u017en\u011bj\u0161\u00ed typ \u00fav\u011bru alias od centr\u00e1ln\u00ed banky k&nbsp;banceJi\u017e jsme si \u0159ekli, \u017ee diskontn\u00ed \u00fav\u011br poskytuje centr\u00e1ln\u00ed banka, n\u011bkter\u00e9 z&nbsp;b\u011b\u017en\u011bj\u0161\u00edch, takzvan\u00fdch komer\u010dn\u00edch bank. Z\u00e1kladn\u00edm a nej\u010dast\u011bji vyu\u017e\u00edvan\u00fdm v&nbsp;t\u00e9to oblasti je pr\u00e1v\u011b diskontn\u00ed \u00fav\u011br. Tato forma je zcela b\u011b\u017en\u00e1 v&nbsp;oblasti financov\u00e1n\u00ed bankovn\u00edch instituc\u00ed.Diskontn\u00ed \u00fav\u011bry d\u00e1le m\u016f\u017eeme \u0159adit na t\u0159i dal\u0161\u00ed \u010d\u00e1sti a sice:\t\tB\u011b\u017en\u00e9 &ndash; v\u011bt\u0161inou se mohou ozna\u010dovat tak\u00e9 jako kr\u00e1tkodob\u00e9, proto\u017ee se jedn\u00e1 o dobu p\u0159eklenut\u00ed 1 m\u011bs\u00edce. B\u011b\u017en\u00e9 diskontn\u00ed \u00fav\u011bry slou\u017e\u00ed k&nbsp;p\u0159eklenut\u00ed doby likvidity u b\u011b\u017en\u00fdch bank. Tato likvidita se \u010dasto ozna\u010duje jako kr\u00e1tkodob\u00e1, a pr\u00e1v\u011b b\u011b\u017en\u00fd diskontn\u00ed \u00fav\u011bry slou\u017e\u00ed k&nbsp;p\u0159eklenut\u00ed t\u00e9to doby.\t\tSez\u00f3nn\u00ed &ndash; slou\u017e\u00ed na p\u0159eklenut\u00ed sez\u00f3nn\u00edho obdob\u00ed likvidity. Takt\u00e9\u017e se ozna\u010duj\u00ed jako kr\u00e1tkodob\u00e9, proto\u017ee se \u010dasto jedn\u00e1 o sez\u00f3nn\u00ed z\u00e1m\u011bry, nap\u0159\u00edklad v&nbsp;zem\u011bd\u011blstv\u00ed.\t\tNouzov\u00e9 &ndash; ozna\u010dov\u00e1ny jako \u00fav\u011bry posledn\u00ed instance. Jakmile m\u00e1 banka pot\u00ed\u017ee se splacen\u00edm sv\u00fdch z\u00e1vazk\u016f, nen\u00ed to ji\u017e ozna\u010deno za m\u011bnovou politiku, ale za n\u00e1stroj instance neboli toho, kdo m\u00e1 m\u00edt posledn\u00ed slovo, tedy centr\u00e1ln\u00ed banky. Tyto \u00fav\u011bry nejsou \u010dast\u00e9. Ozna\u010dit se mohou za dlouhodob\u00e9, proto\u017ee maj\u00ed splatnost v\u00edce jak rok.Prvn\u00ed a druh\u00e1 verze, tedy b\u011b\u017en\u00e9 a sez\u00f3nn\u00ed, se poskytuj\u00ed v&nbsp;r\u00e1mci \u00faroku. Tento \u00farok se ozna\u010duje jako diskontn\u00ed sazba. Tato sazba je nejv\u00fdznamn\u011bj\u0161\u00ed a je ur\u010dov\u00e1na v\u017edy centr\u00e1ln\u00ed bankou.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Diskontn\u00ed \u00fav\u011br","item":"https:\/\/www.zerba.cz\/diskontni-uver\/#breadcrumbitem"}]}]