[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/smenky\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/smenky\/","headline":"Sm\u011bnky","name":"Sm\u011bnky","description":"Cenn\u00e9 pap\u00edry t\u00fdkaj\u00edc\u00ed se bankovnictv\u00ed zahrnuj\u00ed spoustu r\u016fzn\u00fdch, jednotliv\u00fdch tiskopis\u016f. Mo\u017en\u00e1 si \u0159\u00edk\u00e1te, pro\u010d za\u010d\u00edn\u00e1me tak ob\u0161\u00edrn\u011b, pod pojmem sm\u011bnka se p\u0159ece mus\u00ed naj\u00edt n\u011bco konkr\u00e9tn\u00edho, co se d\u00e1 popsat p\u00e1r slovy. Jenom\u017ee v&nbsp;tom je zase trochu h\u00e1\u010dek, proto\u017ee sm\u011bnka jako takov\u00e1 pat\u0159\u00ed do ob\u0161\u00edrn\u011bj\u0161\u00edho t\u00e9matu, proto jsme za\u010dali cel\u00e9 t\u00e9ma s&nbsp;cenn\u00fdmi pap\u00edry. Sm\u011bnka samotn\u00e1 &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/smenky\/\"> <span class=\"screen-reader-text\">Sm\u011bnky<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-26","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\/smenky\/","about":["Slovn\u00edk pojm\u016f"],"wordCount":433,"articleBody":"Cenn\u00e9 pap\u00edry t\u00fdkaj\u00edc\u00ed se bankovnictv\u00ed zahrnuj\u00ed spoustu r\u016fzn\u00fdch, jednotliv\u00fdch tiskopis\u016f. Mo\u017en\u00e1 si \u0159\u00edk\u00e1te, pro\u010d za\u010d\u00edn\u00e1me tak ob\u0161\u00edrn\u011b, pod pojmem sm\u011bnka se p\u0159ece mus\u00ed naj\u00edt n\u011bco konkr\u00e9tn\u00edho, co se d\u00e1 popsat p\u00e1r slovy. Jenom\u017ee v&nbsp;tom je zase trochu h\u00e1\u010dek, proto\u017ee sm\u011bnka jako takov\u00e1 pat\u0159\u00ed do ob\u0161\u00edrn\u011bj\u0161\u00edho t\u00e9matu, proto jsme za\u010dali cel\u00e9 t\u00e9ma s&nbsp;cenn\u00fdmi pap\u00edry. Sm\u011bnka samotn\u00e1 je toti\u017e druh cenn\u00e9ho pap\u00edru. \u0158ekneme si tedy, co znamenaj\u00ed cenn\u00e9 pap\u00edry, abychom se v&nbsp;t\u00e9to problematice l\u00e9pe mohli zorientovat. Cenn\u00e9 pap\u00edry spadaj\u00ed do oblasti bankovnictv\u00ed. Cenn\u00fd pap\u00edr je jak\u00fdsi druh tiskopisu. M\u016f\u017eete pomoc\u00ed n\u011bj uplatnit n\u00e1rok. Ka\u017ed\u00fd cenn\u00fd pap\u00edr, tedy i sm\u011bnka mus\u00ed n\u00e9st podstatn\u00e9 n\u00e1le\u017eitosti &ndash; ozna\u010den\u00ed, n\u00e1zev, hodnotu, datum vyd\u00e1n\u00ed, jm\u00e9no toho, kdo jej vyd\u00e1v\u00e1, a tak d\u00e1le. Do cenn\u00fdch pap\u00edr\u016f tedy spadaj\u00ed i dal\u0161\u00ed tiskopisy, m\u016f\u017ee to b\u00fdt \u0161ek, akcie, obligace, ale i pr\u00e1v\u011b na\u0161e ji\u017e zm\u00edn\u011bn\u00e1 sm\u011bnka, kterou se nad\u00e1le budeme podrobn\u011bji zab\u00fdvat.\tPodstatn\u00e9 n\u00e1le\u017eitostiSm\u011bnka se nej\u010dast\u011bji vyd\u00e1v\u00e1 na \u0159ad nebo na jm\u00e9no. Na pen\u011b\u017en\u00edm trhu se m\u016f\u017eeme setkat nejenom se sm\u011bnkou, ale tak\u00e9 s&nbsp;\u0161ekem. Sm\u011bnka je ur\u010dit\u00fd dluh. Jak jsme si ji\u017e \u0159ekli, mus\u00ed obsahovat podstatn\u00e9 n\u00e1le\u017eitosti, aby byla platn\u00e1. Mus\u00ed m\u00edt n\u00e1zev, n\u00e9st ur\u010ditou \u010d\u00e1stku, datum a m\u00edsto vystaven\u00ed, tak\u00e9 obsahuje splatnost, tedy ur\u010dit\u00e9 \u010dasov\u00e9 obdob\u00ed, jm\u00e9no dlu\u017en\u00edka a v\u011b\u0159itele, co\u017e jsou podstatn\u00e9 n\u00e1le\u017eitosti a tak\u00e9 nap\u0159\u00edklad akcept nebo domicil.Sm\u011bnka se d\u00e1le rozd\u011bluje na:\t\tSm\u011bnka vlastn\u00ed\t\tSm\u011bnka ciz\u00edD\u00e1le se m\u016f\u017eeme na sm\u011bnku pod\u00edvat z&nbsp;pohledu \u00fa\u010detnictv\u00ed. V&nbsp;t\u00e9to oblasti bychom n\u00e1sledn\u011b sm\u011bnku rozli\u0161ovali jako sm\u011bnku k&nbsp;\u00fahrad\u011b nebo jako sm\u011bnku k&nbsp;inkasu. Sm\u011bnky k&nbsp;\u00fahrad\u011b mus\u00edme samoz\u0159ejm\u011b zaplatit, a proto p\u0159edstavuj\u00ed ur\u010dit\u00fd dluh. Naproti tomu sm\u011bnku k&nbsp;inkasu nepropl\u00e1c\u00edme, ale naopak, ta n\u00e1m m\u00e1 b\u00fdt n\u011bk\u00fdm jin\u00fdm proplacena, tedy n\u00e1m p\u0159ipadnou pen\u00edze &ndash; v&nbsp;\u00fa\u010detnictv\u00ed se tato transakce zna\u010d\u00ed, a mluv\u00edme o n\u00ed jako o pohled\u00e1vk\u00e1ch.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Sm\u011bnky","item":"https:\/\/www.zerba.cz\/smenky\/#breadcrumbitem"}]}]