[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.youcool.cz\/stop-mikropujckam-bez-licence\/#Article","mainEntityOfPage":"https:\/\/www.youcool.cz\/stop-mikropujckam-bez-licence\/","headline":"Stop mikrop\u016fj\u010dk\u00e1m bez licence","name":"Stop mikrop\u016fj\u010dk\u00e1m bez licence","description":"Trh by m\u011bly opustit v\u0161echny kr\u00e1tkodob\u00e9 nebankovn\u00ed p\u016fj\u010dky, kter\u00e9 nejsou podlo\u017een\u00e9 dostate\u010dn\u00fdm kapit\u00e1lem, nemaj\u00ed jasn\u00e9 vlastn\u00edky a nejsou prov\u011b\u0159en\u00e9 centr\u00e1ln\u00ed bankou. To znamen\u00e1, \u017ee na trhu z\u016fstanou pouze ov\u011b\u0159en\u00e9 firmy. Nov\u00fd z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru &#13; Tuto novelu z\u00e1kona vyd\u00e1v\u00e1 ministerstvo financ\u00ed od prosince tohoto roku, a je\u0161t\u011b t\u00e9ho\u017e m\u011bs\u00edce nabude platnosti. Jedn\u00e1 se o ... <a href=\"https:\/\/www.youcool.cz\/stop-mikropujckam-bez-licence\/\" class=\"more-link\">Read More<span class=\"screen-reader-text\"> \"Stop mikrop\u016fj\u010dk\u00e1m bez licence\"<\/span> &raquo;<\/a>","datePublished":"2023-05-02","dateModified":"2023-05-02","author":{"@type":"Person","@id":"https:\/\/www.youcool.cz\/author\/#Person","name":"","url":"https:\/\/www.youcool.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/163f6c65c8acab43fa062eaf19866aeb6d6c2adc4d5c2462700a89e6feec77a0?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/163f6c65c8acab43fa062eaf19866aeb6d6c2adc4d5c2462700a89e6feec77a0?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"youcool.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.youcool.cz\/stop-mikropujckam-bez-licence\/","wordCount":370,"articleBody":"Trh by m\u011bly opustit v\u0161echny kr\u00e1tkodob\u00e9 nebankovn\u00ed p\u016fj\u010dky, kter\u00e9 nejsou podlo\u017een\u00e9 dostate\u010dn\u00fdm kapit\u00e1lem, nemaj\u00ed jasn\u00e9 vlastn\u00edky a nejsou prov\u011b\u0159en\u00e9 centr\u00e1ln\u00ed bankou. To znamen\u00e1, \u017ee na trhu z\u016fstanou pouze ov\u011b\u0159en\u00e9 firmy.Nov\u00fd z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru &#13; Tuto novelu z\u00e1kona vyd\u00e1v\u00e1 ministerstvo financ\u00ed od prosince tohoto roku, a je\u0161t\u011b t\u00e9ho\u017e m\u011bs\u00edce nabude platnosti. Jedn\u00e1 se o ochranu spot\u0159ebitel\u016f, ale tak\u00e9 se chce \u010cesk\u00e1 n\u00e1rodn\u00ed banka postarat o to, aby byly velmi zp\u0159\u00edsn\u011bny podm\u00ednky, kter\u00e9 jsou kladeny pro poskytovatele t\u011bchto nelicencovan\u00fdch kr\u00e1tkodob\u00fdch nebankovn\u00edch p\u016fj\u010dek.Do konce \u00fanora je \u010das &#13; Konec druh\u00e9ho m\u011bs\u00edce roku 2017 je limitem pro pod\u00e1n\u00ed \u017e\u00e1dosti o ud\u011blen\u00ed licence na tuto \u017eivnost, kterou bude nad\u00e1le vyd\u00e1vat pouze centr\u00e1ln\u00ed banka. Pokud do t\u00e9to doby \u017eivnostn\u00edci, \u017eiv\u00edc\u00ed se z \u00farokov\u00fdch sazeb z kr\u00e1tkodob\u00fdch nebankovn\u00edch p\u016fj\u010dek, \u017e\u00e1dost nepodaj\u00ed, opr\u00e1vn\u011bn\u00ed k tomu, vykon\u00e1vat tuto \u010dinnost, ztrat\u00ed.Co je\u0161t\u011b mus\u00ed \u017eivnostn\u00edci v tomto oboru splnit, aby mohli poskytovat nebankovn\u00ed p\u016fj\u010dky? &#13; &#8211; Vlastnit platnou licenci&#13; &#8211; Dolo\u017eit odbornou zp\u016fsobilost&#13; &#8211; Prok\u00e1zat klientovu schopnost spl\u00e1cet&#13; &#8211; Vlastnit z\u00e1kladov\u00fd kapit\u00e1l v minim\u00e1ln\u00ed v\u00fd\u0161i dvacet milion\u016f korunKolik nebankovn\u00edch poskytovatel\u016f na trhu zbude po zaveden\u00ed novely z\u00e1kona o spot\u0159ebitebitelks\u00e9m \u00fav\u011bru? &#13; To je t\u011b\u017ek\u00e9 odhadnout a \u010cesk\u00e1 n\u00e1rodn\u00ed banka se zat\u00edm tak\u00e9 nijak nevyjad\u0159uje. Toto podnik\u00e1n\u00ed bylo zalo\u017eeno na z\u00e1klad\u011b \u017eivnostensk\u00e9ho listu a mohl jej poskytovat kdokoli. Neexistuj\u00ed tedy p\u0159esn\u00e9 statistick\u00e9 \u00fadaje o tom, kolik fyzick\u00fdch osob \u010di firem se tomuto odv\u011btv\u00ed v\u011bnovalo. D\u016fle\u017eit\u00e9 je, \u017ee se chce \u010cesk\u00e1 n\u00e1rodn\u00ed banka zasadit o to, aby na trhu nab\u00eddky z\u016fst\u00e1valy pouze spole\u010dnosti, kter\u00fdm lze ze strany spot\u0159ebitele d\u016fv\u011b\u0159ovat. P\u0159esto centr\u00e1ln\u00ed banka p\u0159edpokl\u00e1d\u00e1, \u017ee \u017e\u00e1dost\u00ed o licenci jim od prosince do \u00fanora p\u0159ijde maxim\u00e1ln\u011b stovka. \u010cesk\u00e1 n\u00e1rodn\u00ed banka douf\u00e1, \u017ee se trh pro\u010dist\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Stop mikrop\u016fj\u010dk\u00e1m bez licence","item":"https:\/\/www.youcool.cz\/stop-mikropujckam-bez-licence\/#breadcrumbitem"}]}]