[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/poskytovatele-a-zprostredkovatele-financnich-sluzeb\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/poskytovatele-a-zprostredkovatele-financnich-sluzeb\/","headline":"Poskytovatel\u00e9 a zprost\u0159edkovatel\u00e9 finan\u010dn\u00edch slu\u017eeb","name":"Poskytovatel\u00e9 a zprost\u0159edkovatel\u00e9 finan\u010dn\u00edch slu\u017eeb","description":"Zprost\u0159edkovatel\u00e9 Jinak tak\u00e9 m\u016f\u017eeme samoz\u0159ejm\u011b \u0159\u00edci finan\u010dn\u00ed zprost\u0159edkovatel\u00e9 jsou podnikatelsk\u00e9 osoby, kter\u00e9 finan\u010dn\u00ed produkt, slu\u017ebu \u010di n\u00e1stroj nevytv\u00e1\u0159\u00ed, n\u00fdbr\u017e pouze prod\u00e1v\u00e1 koncov\u00fdm z\u00e1kazn\u00edk\u016fm. Samoz\u0159ejm\u011b pokud se jedn\u00e1 o zam\u011bstnance samotn\u00e9ho poskytovatele. Tyto zprost\u0159edkovatele m\u016f\u017eeme rozd\u011blit nap\u0159\u00edklad podle sektoru, ve kter\u00e9m p\u016fsob\u00ed (investi\u010dn\u00ed zprost\u0159edkovatel, poji\u0161\u0165ovac\u00ed zprost\u0159edkovatel). D\u00e1le podle \u0161\u00ed\u0159e nab\u00eddky slu\u017eeb a protistrany, kterou zastupuj\u00ed (agent, …

Poskytovatel\u00e9 a zprost\u0159edkovatel\u00e9 finan\u010dn\u00edch slu\u017eeb<\/span> Pokra\u010dovat ve \u010dten\u00ed »<\/a><\/p>","datePublished":"2021-06-17","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}},"image":{"@type":"ImageObject","@id":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a289967_w1998_t1501521342.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a289967_w1998_t1501521342.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/poskytovatele-a-zprostredkovatele-financnich-sluzeb\/","about":["Finan\u010dn\u00ed spole\u010dnosti"],"wordCount":734,"articleBody":"Zprost\u0159edkovatel\u00e9 Jinak tak\u00e9 m\u016f\u017eeme samoz\u0159ejm\u011b \u0159\u00edci finan\u010dn\u00ed zprost\u0159edkovatel\u00e9 jsou podnikatelsk\u00e9 osoby, kter\u00e9 finan\u010dn\u00ed produkt, slu\u017ebu \u010di n\u00e1stroj nevytv\u00e1\u0159\u00ed, n\u00fdbr\u017e pouze prod\u00e1v\u00e1 koncov\u00fdm z\u00e1kazn\u00edk\u016fm. Samoz\u0159ejm\u011b pokud se jedn\u00e1 o zam\u011bstnance samotn\u00e9ho poskytovatele. Tyto zprost\u0159edkovatele m\u016f\u017eeme rozd\u011blit nap\u0159\u00edklad podle sektoru, ve kter\u00e9m p\u016fsob\u00ed (investi\u010dn\u00ed zprost\u0159edkovatel, poji\u0161\u0165ovac\u00ed zprost\u0159edkovatel). D\u00e1le podle \u0161\u00ed\u0159e nab\u00eddky slu\u017eeb a protistrany, kterou zastupuj\u00ed (agent, makl\u00e9\u0159) a nebo podle zp\u016fsobu odm\u011b\u0148ov\u00e1n\u00ed (zprost\u0159edkovatel odm\u011b\u0148ovan\u00fd provizemi ze sjednan\u00fdch obchod\u016f, zprost\u0159edkovatel placen\u00fd p\u0159\u00edmo z\u00e1kazn\u00edkem).Poskytovatel\u00e9Tyto instituce dan\u00e9 produkty, slu\u017eby \u010di n\u00e1stroje p\u0159\u00edmo vytv\u00e1\u0159\u00ed a poskytuj\u00ed. Jedn\u00e1 se tedy o banky, investi\u010dn\u00ed spole\u010dnosti, poji\u0161\u0165ovny a dal\u0161\u00ed. Poj\u010fme se te\u010f na n\u011bkter\u00e9 z nich pod\u00edvat detailn\u011bji a celkov\u011b si ujasnit, kter\u00e9 subjekty to vlastn\u011b jsou.•       BankyBanky jsou subjekty, kter\u00e9 p\u0159ij\u00edmaj\u00ed od ve\u0159ejnosti vklady a tak\u00e9 poskytuj\u00ed \u00fav\u011bry. Podm\u00ednkou z\u00edsk\u00e1n\u00ed licence je spln\u011bn\u00ed \u0159ady organiza\u010dn\u00edch, technick\u00fdch, person\u00e1ln\u00edch a p\u0159edev\u0161\u00edm finan\u010dn\u00edch po\u017eadavk\u016f ur\u010den\u00fdch \u010cNB. Tyto p\u0159\u00edsn\u00e9 regulace maj\u00ed za \u00fakol zajistit opravdu bezpe\u010dnost vklad\u016f a stabilitu finan\u010dn\u00edho syst\u00e9mu jako celku.•    Stavebn\u00ed spo\u0159itelnyTyto jsou v na\u0161\u00ed republice speci\u00e1ln\u00edm druhem banky. Mohou se zab\u00fdvat v\u00fdhradn\u011b stavebn\u00edm spo\u0159en\u00edm. Osoby si vkl\u00e1daj\u00ed na \u00fa\u010dty, kter\u00e9 jsou p\u0159edem ur\u010deny \u00fa\u010deln\u011b na rekonstrukce, stavby, koup\u011b nemovitost\u00ed a podobn\u011b, pen\u00edze. Na z\u00e1klad\u011b t\u011bchto vklad\u016f jim pak banka m\u016f\u017ee poskytnout \u00fav\u011bry za \u00fa\u010delem \u0159e\u0161en\u00ed situac\u00ed pr\u00e1v\u011b souvisej\u00edc\u00edch s bydlen\u00edm. •    Dru\u017estevn\u00ed z\u00e1lo\u017enySvoji podstatou jsou dru\u017estevn\u00ed z\u00e1lo\u017eny malou bankou funguj\u00edc\u00ed na dru\u017estevn\u00edch principech. P\u016fvodn\u011b vznik t\u011bchto bank byl zap\u0159\u00ed\u010din\u011bn nutnost\u00ed poskytovat bankovn\u00ed slu\u017eby \u010dlen\u016fm dru\u017estva, nicm\u00e9n\u011b se postupem \u010dasu n\u011bkter\u00e1 tato dru\u017estva transformovala na standardn\u00ed banky. Samoz\u0159ejm\u011b i zde vykon\u00e1v\u00e1 dohled \u010cNB.  •    \u00dav\u011brov\u00e9 instituceI kdy\u017e je dle n\u00e1zvu pon\u011bkud p\u0159ekvapiv\u00e9, tak pr\u00e1v\u011b tento n\u00e1zev souhrnn\u011b ozna\u010duje dru\u017estevn\u00ed z\u00e1lo\u017eny a banky. Charakteristikou t\u011bchto \u00fastav\u016f v\u0161ak nen\u00ed \u00fav\u011brov\u00e1 \u010dinnost, n\u00fdbr\u017e opr\u00e1vn\u011bn\u00ed k p\u0159ij\u00edm\u00e1n\u00ed vklad. T\u00edm se odli\u0161uj\u00ed od ostatn\u00edch subjekt\u016f, kter\u00e9 mohou poskytovat pr\u00e1v\u011b jen slu\u017eby \u00fav\u011brov\u00e9. •    Nebankovn\u00ed poskytovatel\u00e9 \u00fav\u011br\u016fTento pojem ozna\u010duje instituce p\u016fsob\u00edc\u00ed mimo banky a dru\u017estevn\u00ed z\u00e1lo\u017eny. M\u016f\u017eeme mezi nimi naj\u00edt velk\u00e9 \u00fav\u011brov\u00e9 spole\u010dnosti \u010di leasingov\u00e9 spole\u010dnosti. V tuto dobu existuj\u00ed u\u017e i nebankovn\u00ed poskytovatel\u00e9 hypot\u00e9k, jinak \u0159e\u010deno \u00fav\u011br\u016f na bydlen\u00ed. Jednozna\u010dn\u011b nejvyu\u017e\u00edvan\u011bj\u0161\u00edm produktem t\u011bchto instituc\u00ed mimo bankovn\u00ed trh je spot\u0159ebitelsk\u00fd \u00fav\u011br. Do konce roku 2016 spadaly tyto nebankovn\u00ed poskytovatel\u00e9 \u00fav\u011br\u016f pod kontrolu \u010cesk\u00e9 obchodn\u00ed inspekce, ale od prosince roku 2016 podl\u00e9h\u00e1 ji\u017e i tento sektor dozoru \u010cNB. •    Investi\u010dn\u00ed spole\u010dnosti a investi\u010dn\u00ed fondy•    Penzijn\u00ed spole\u010dnosti•    Obchodn\u00edci s cenn\u00fdmi pap\u00edry•    Investi\u010dn\u00ed zprost\u0159edkovatel\u00e9 a v\u00e1zan\u00ed z\u00e1stupci obchodn\u00edk\u016f s cenn\u00fdmi pap\u00edry•    Poji\u0161\u0165ovny, zaji\u0161\u0165ovny, poji\u0161\u0165ovac\u00ed zprost\u0159edkovatel\u00e9•    Platebn\u00ed instituce, poskytovatel\u00e9 platebn\u00edch slu\u017eeb mal\u00e9ho rozsahu, instituce elektronick\u00fdch pen\u011bz, vydavatel\u00e9 elektronick\u00fdch pen\u011bz mal\u00e9ho rozsahu•    Sm\u011bn\u00e1rn\u00edci•    Finan\u010dn\u00ed poradciNa finan\u010dn\u00edm trhu tak\u00e9 p\u016fsob\u00ed osoby, kter\u00e9 se zab\u00fdvaj\u00ed tzv. pl\u00e1nov\u00e1n\u00edm osobn\u00edch financ\u00ed (finan\u010dn\u00edm pl\u00e1nov\u00e1n\u00edm). \u0158\u00edk\u00e1me jim tedy finan\u010dn\u00ed poradci. Jejich \u010dinnost nen\u00ed \u017e\u00e1dn\u00fdm zvl\u00e1\u0161tn\u00edm p\u0159edpisem upravena. Podnikaj\u00ed na z\u00e1klad\u011b \u017eivnostensk\u00e9ho opr\u00e1vn\u011bn\u00ed. •    Ministerstvo financ\u00ed•    Finan\u010dn\u00ed arbitr a dal\u0161\u00ed "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Poskytovatel\u00e9 a zprost\u0159edkovatel\u00e9 finan\u010dn\u00edch slu\u017eeb","item":"https:\/\/www.zerba.cz\/poskytovatele-a-zprostredkovatele-financnich-sluzeb\/#breadcrumbitem"}]}]