{"id":3162,"date":"2021-03-06T14:40:46","date_gmt":"2021-03-06T13:40:46","guid":{"rendered":"https:\/\/www.jindrichsmitka.cz\/?p=3162"},"modified":"2021-03-06T14:40:46","modified_gmt":"2021-03-06T13:40:46","slug":"zmeny-ktere-se-dotknou-nas-vsech","status":"publish","type":"post","link":"https:\/\/www.jindrichsmitka.cz\/index.php\/2021\/03\/06\/zmeny-ktere-se-dotknou-nas-vsech\/","title":{"rendered":"Zm\u011bny, kter\u00e9 se dotknou n\u00e1s v\u0161ech"},"content":{"rendered":"\n<p><strong>Ot\u00e1zka zadlu\u017een\u00ed, kter\u00e1 hlod\u00e1 v mysli. D\u011blaj\u00ed to tak p\u0159ece v\u0161ichni a ve srovn\u00e1n\u00ed jsme na tom p\u0159ece je\u0161t\u011b dob\u0159e nebo ne? V\u00fdhody i nedostatky \u010desk\u00e9 ekonomiky a p\u0159\u00edle\u017eitosti do budoucna. <\/strong><\/p>\n\n\n\n<p>Na\u0161e mysli soustavn\u011b zaplavuje neust\u00e1vaj\u00edc\u00ed p\u0159\u00edval ruch\u016f, kter\u00fdmi sd\u011blovac\u00ed prost\u0159edky \u010dasto odv\u00e1d\u00ed na\u0161\u00ed pozornost <a href=\"https:\/\/www.jindrichsmitka.cz\/2020\/06\/20\/pozornost-aneb-jak-neztracet-cas\/\">(v\u00edce o udr\u017een\u00ed pozornosti \u010dt\u011bte zde)<\/a> od toho d\u016fle\u017eit\u00e9ho, co se kolem n\u00e1s d\u011bje.<\/p>\n\n\n\n<p>Medi\u00e1ln\u00ed hv\u011bzda posledn\u00edho roku zn\u00e1m\u00e1 jako COVID, n\u00e1m zab\u00edr\u00e1 mnoho my\u0161lenkov\u00e9 kapacity, kter\u00e1 n\u00e1m pak mo\u017en\u00e1 trochu sch\u00e1z\u00ed jinde. <\/p>\n\n\n\n<p>To hlavn\u00ed co se nyn\u00ed d\u011bje n\u00e1m tak mo\u017en\u00e1 unik\u00e1. A zat\u00edmco si pln\u00edme hlavy informacemi a \u010d\u00edsly, kter\u00e9 mo\u017en\u00e1 ani v\u011bd\u011bt nepot\u0159ebujeme, na povrch pomalu ale jist\u011b vyplouv\u00e1 jin\u00e1 dlouho ne\u0159e\u0161en\u00e1 z\u00e1le\u017eitost.<\/p>\n\n\n\n<p><strong>Ot\u00e1zka v mysli<\/strong><\/p>\n\n\n\n<p>V koutku oka na hranici zorn\u00e9ho pole se n\u00e1m tak ji\u017e dlouho r\u00fdsuje podstatn\u011b v\u00fdznamn\u011bj\u0161\u00ed z\u00e1le\u017eitost, ne\u017e je cel\u00e1 akce Covid. V\u0161ichni o t\u00e9to z\u00e1le\u017eitosti u\u017e dlouho v\u00edme a jen j\u00ed dlouhodob\u011b nev\u011bnujeme pozornost, jeliko\u017e jsme si na jej\u00ed p\u0159\u00edtomnost ji\u017e tak n\u011bjak zvykli.<\/p>\n\n\n\n<p>\u010casto n\u00e1m v\u0161ak n\u011bkde v zapr\u00e1\u0161en\u00e9m koutku mozku vrt\u00e1 ta ot\u00e1zka s velk\u00fdm otazn\u00edkem i vyk\u0159i\u010dn\u00edkem, kter\u00e1 se pt\u00e1, jak je to mo\u017en\u00e9, jak to funguje, jak to, \u017ee to tak opravdu zat\u00edm nad\u00e1le funguje.<\/p>\n\n\n\n<p>Tato ot\u00e1zka zahrnuje pen\u00edze, banky, dan\u011b a dluh a zn\u00ed: \u201ekde se v\u0161echny ty pen\u00edze berou\u201c a \u201ejak funguje mechanizmus jejich vzniku\u201c?<\/p>\n\n\n\n<p>A jedna ot\u00e1zka vyvol\u00e1v\u00e1 dal\u0161\u00ed a \u010d\u00edm jednodu\u0161\u00ed je ot\u00e1zka na za\u010d\u00e1tku t\u00edm, obs\u00e1hlej\u0161\u00ed je jej\u00ed vysv\u011btlen\u00ed. Nelze proto o\u010dek\u00e1vat nalezen\u00ed pochopen\u00ed v jednom \u010dl\u00e1nku, a stejn\u011b tak mo\u017en\u00e1 ani stovka \u010dl\u00e1nk\u016f by celou tuto problematiku ve sv\u00e9 \u0161\u00ed\u0159i nepostihla. P\u0159esto m\u016f\u017eeme tento zaj\u00edmav\u00fd fenom\u00e9n zkusit alespo\u0148 nakousnout z n\u011bkter\u00e9ho \u00fahlu pohledu.<\/p>\n\n\n\n<script async=\"\" src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script><!-- Automatick\u00e1 velikost reklamy --><ins class=\"adsbygoogle\" style=\"display: block;\" data-ad-client=\"ca-pub-9221645303649413\" data-ad-slot=\"8661693083\" data-ad-format=\"auto\" data-full-width-responsive=\"true\"><\/ins><script>\n(adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><br>\n\n\n\n<p><strong>Kdy\u017e oni to tak d\u011blaj\u00ed v\u0161ichni<\/strong><\/p>\n\n\n\n<p>Ke konci roku 2020 dos\u00e1hlo celosv\u011btov\u00e9 zadlu\u017een\u00ed hodnoty 365 % v\u016f\u010di celosv\u011btov\u00e9mu HDP <a href=\"https:\/\/www.visualcapitalist.com\/debt-to-gdp-continues-to-rise-around-world\/\">(zdroj zde)<\/a>. To v p\u0159ekladu znamen\u00e1, \u017ee cel\u00fd sv\u011bt (v\u010detn\u011b n\u00e1s) dlu\u017e\u00ed souhrnn\u011b komusi t\u0159\u00ed a p\u016fl n\u00e1sobek objemu zbo\u017e\u00ed slu\u017eeb, kter\u00e9 celkov\u011b dok\u00e1\u017eeme jako lidstvo re\u00e1ln\u011b vyrobit \u010di vytvo\u0159it a prodat.<\/p>\n\n\n\n<p>Co n\u00e1s \u010cechy ale zaj\u00edm\u00e1 n\u011bjak\u00fd sv\u011bt. U n\u00e1s je p\u0159eci v\u0161echno v pohod\u011b nebo ne? I u n\u00e1s ale padaj\u00ed rekordy v zadlu\u017eenosti jeden za druh\u00fdm a ten sv\u011bt se sna\u017e\u00edme dohnat opravdu rychle.<\/p>\n\n\n\n<p>Zadlu\u017een\u00ed vl\u00e1dy, tedy cel\u00e9 na\u0161\u00ed zem\u011b v\u010detn\u011b kohokoli z V\u00e1s, kte\u0159\u00ed pr\u00e1v\u011b \u010dtete tento \u010dl\u00e1nek, dosahuje podle ofici\u00e1ln\u00edch \u00fadaj\u016f hodnoty bezm\u00e1la 40 % v\u016f\u010di st\u00e1tn\u00edmu HDP, tedy zjednodu\u0161en\u011b v\u016f\u010di celost\u00e1tn\u00edmu aktu\u00e1ln\u00edmu objemu zbo\u017e\u00ed a slu\u017eeb, kter\u00e9 prote\u010dou celou na\u0161\u00ed zem\u00ed. To v p\u0159\u00edzemn\u00edch \u010d\u00edslech znamen\u00e1 191 000 K\u010d na ka\u017ed\u00e9ho z n\u00e1s v\u010detn\u011b novorozenc\u016f a d\u016fchodc\u016f <a href=\"https:\/\/www.idnes.cz\/ekonomika\/domaci\/statni-dluh-finance-zadluzeni-hdp-ministerstvo-financi-krize.A210212_160655_ekonomika_rts\">(v\u00edce zde)<\/a>.<\/p>\n\n\n\n<p>Do toho je spousta \u010cech\u016f, kte\u0159\u00ed jsou individu\u00e1ln\u011b v dluz\u00edch a\u017e po u\u0161i. P\u0159i nejvy\u0161\u0161\u00edch cen\u00e1ch nemovitost\u00ed se nejv\u00edc zadlu\u017euj\u00ed a s t\u00edm tak\u00e9 souvis\u00ed neust\u00e1le rostouc\u00ed objem zadlu\u017een\u00ed dom\u00e1cnost\u00ed. Posledn\u00edch n\u011bkolik let i na tomto poli pad\u00e1 jeden \u00fav\u011brov\u00fd rekord za druh\u00fdm <a href=\"https:\/\/www.idnes.cz\/finance\/hypoteky-a-pujcky\/hypoindex-prosinec-2020-urokove-sazby-ceny-nemovitosti-investice.A210119_092835_pujcky_sov\">(v\u00edce zde)<\/a>.<\/p>\n\n\n\n<p>Jako by toho nebylo m\u00e1lo, tak snad nejm\u00e9n\u011b vhodn\u00fd druh zadlu\u017een\u00ed formou spot\u0159ebitelsk\u00fdch p\u016fj\u010dek na v\u011bci, kter\u00e9 obecn\u011b nepot\u0159ebujeme, je tak\u00e9 na vysok\u00fdch \u010d\u00edslech a schopnost spl\u00e1cet sp\u00ed\u0161 na \u00fastupu <a href=\"https:\/\/www.mesec.cz\/clanky\/zadluzeni-cechu-se-loni-rekordne-zvysilo-vevodily-uvery-na-bydleni\/\">(v\u00edce zde)<\/a>.<\/p>\n\n\n\n<p>A kdyby ani to nesta\u010dilo, tak n\u00e1s za tohle v\u0161echno \u201esv\u011bt\u201c je\u0161t\u011b pochv\u00e1l\u00ed. Nap\u0159\u00edklad ratingov\u00e1 agentura Moody\u2018s n\u00e1m (zejm\u00e9na tedy st\u00e1tu) s t\u00edmto v\u0161\u00edm potvrdila kr\u00e1sn\u00fd \u00fav\u011brov\u00fd rating, abychom si mohli je\u0161t\u011b v\u00edce nap\u016fj\u010dovat <a href=\"https:\/\/www.mfcr.cz\/cs\/aktualne\/tiskove-zpravy\/2021\/moodys-cesku-potvrdila-vynikajici-rating-40834\">(\u010dt\u011bte v\u00edce zde)<\/a>.<\/p>\n\n\n\n<p>Jak dlouho to asi potrv\u00e1, ne\u017e s aktu\u00e1ln\u00edm p\u011btiprocentn\u00edm ro\u010dn\u00edm schodkem st\u00e1tn\u00edho rozpo\u010dtu do\u017eeneme v \u00farovni st\u00e1tn\u00edho zadlu\u017een\u00ed onen vysp\u011bl\u00fd sv\u011bt, kter\u00fd n\u00e1s dnes tak p\u011bkn\u011b chv\u00e1l\u00ed?<\/p>\n\n\n\n<p><strong>Ve srovn\u00e1n\u00ed jsme na tom p\u0159ece dob\u0159e<\/strong><\/p>\n\n\n\n<p>Asi nejv\u011bt\u0161\u00edm sebeklamem p\u0159itom m\u016f\u017ee b\u00fdt srovn\u00e1n\u00ed s jin\u00fdmi lidmi a st\u00e1ty. Kdy\u017e problematiku zadlu\u017een\u00ed zjednodu\u0161\u00edm na zadlu\u017een\u00ed st\u00e1t\u016f v\u016f\u010di sv\u00e9mu HDP, tak p\u0159ece spousta zem\u00ed je na tom v\u00fdrazn\u011b h\u016f\u0159e, ne\u017e my s na\u0161imi 40 %.<\/p>\n\n\n\n<p>Takov\u00e9 st\u00e1ty jako jsou USA (107 % &#8211; <a href=\"https:\/\/tradingeconomics.com\/united-states\/government-debt-to-gdp\">zdroj zde<\/a>), Francie (116 % &#8211; <a href=\"https:\/\/ec.europa.eu\/eurostat\/statistics-explained\/index.php\/Government_finance_statistics_-_quarterly_data\">zdroj pro evropsk\u00e9 zem\u011b zde<\/a>), Velk\u00e1 Brit\u00e1nie (100 % &#8211; <a href=\"https:\/\/www.theguardian.com\/business\/2021\/jan\/22\/uk-government-borrowing-hits-highest-december-level-on-record\">zdroj zde<\/a>) \u010di snad ti na kter\u00e9 m\u00e1me tendenci ukazovat prstem jako na p\u0159\u00edklady t\u0159eba \u0160pan\u011blsko (114 %), It\u00e1lie (154 %) nebo \u0158ecko (199 %) jsou na tom je\u0161t\u011b h\u016f\u0159, tak\u017ee ve srovn\u00e1n\u00ed jsme na tom p\u0159ece jen je\u0161t\u011b dob\u0159e nebo ne?<\/p>\n\n\n\n<p>Cht\u011blo by se odpov\u011bd\u011bt p\u0159\u00edkladem, \u017ee pokud n\u011bkdo vysko\u010d\u00ed z okna v 10. pat\u0159e a je\u0161t\u011b nedopadl, tak si asi tak\u00e9 ne\u0159ekneme, \u017ee kdy\u017e vysko\u010d\u00edme pouze ze 7. patra tak to vlastn\u011b nen\u00ed tak nebezpe\u010dn\u00e9, jak by se na prvn\u00ed pohled mohlo zd\u00e1t.<\/p>\n\n\n\n<script async=\"\" src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script><!-- Automatick\u00e1 velikost reklamy --><ins class=\"adsbygoogle\" style=\"display: block;\" data-ad-client=\"ca-pub-9221645303649413\" data-ad-slot=\"8661693083\" data-ad-format=\"auto\" data-full-width-responsive=\"true\"><\/ins><script>\n(adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><br>\n\n\n\n<p><strong>O\u0161idnost pom\u011brn\u00e9ho srovn\u00e1n\u00ed<\/strong><\/p>\n\n\n\n<p>Na povrchn\u00edm srovn\u00e1n\u00ed zda je st\u00e1tn\u00ed zadlu\u017een\u00ed v po\u0159\u00e1dku \u010di ne mi v z\u00e1sad\u011b chyb\u00ed obecn\u00e9 pov\u011bdom\u00ed o n\u011bkolika z\u00e1sadn\u00edch v\u011bcech. T\u011bmi jsou nap\u0159\u00edklad srovn\u00e1n\u00ed dluhu v\u016f\u010di HDP, tedy zjednodu\u0161en\u011b v\u016f\u010di aktu\u00e1ln\u00edm p\u0159\u00edjm\u016fm, kter\u00e9 jsou v \u010dase prom\u011bnliv\u00e9 a velmi o\u0161idn\u00e9.<\/p>\n\n\n\n<p>Dokud n\u00e1m toti\u017e rostou p\u0159\u00edjmy, tak se zadlu\u017een\u00ed v porovn\u00e1n\u00ed s t\u011bmito p\u0159\u00edjmy sni\u017euje nebo alespo\u0148 neroste zdaleka tak rychle. V pom\u011brn\u00e9m srovn\u00e1n\u00ed dluhu v\u016f\u010di p\u0159\u00edjm\u016fm tak z\u016fst\u00e1v\u00e1 hodnota zadlu\u017een\u00ed n\u00edzk\u00e1 proto\u017ee rostouc\u00ed HDP toto procentu\u00e1ln\u00ed vyj\u00e1d\u0159en\u00ed zadlu\u017een\u00ed v dobr\u00fdch \u010dasech opticky sni\u017euje. V m\u00e9n\u011b dobr\u00fdch \u010dasech se naopak rychle ukazatel rychle zvy\u0161uje. <\/p>\n\n\n\n<p><strong>Bezprecedentn\u00ed obdob\u00ed r\u016fstu<\/strong><\/p>\n\n\n\n<p>Dost mo\u017en\u00e1 je proto zadlu\u017een\u00ed st\u00e1t\u016f n\u00edzk\u00e9 jen na oko, jeliko\u017e si nyn\u00ed u\u017e p\u0159es deset let u\u017e\u00edv\u00e1me bezprecedentn\u011b dlouh\u00e9 obdob\u00ed r\u016fstu p\u0159\u00edjm\u016f. Historicky za posledn\u00edch sto let trv\u00e1 jeden kr\u00e1tkodob\u00fd ekonomick\u00fd cyklus v pr\u016fm\u011bru sedm let.<\/p>\n\n\n\n<p>Nyn\u00ed po\u010d\u00ednaje rokem 2009, kdy tak n\u011bjak odezn\u011bly n\u00e1sledky posledn\u00ed ekonomick\u00e9 prom\u011bny, tak sou\u010dasn\u00fd ekonomick\u00fd vzestup nebo-li konjunktura dr\u017e\u00ed i p\u0159es ur\u010dit\u00e9 v\u00fdkyvy ji\u017e bezm\u00e1la dvan\u00e1ct\u00fdm rokem v \u0159ad\u011b.<\/p>\n\n\n\n<p>Za tu dobu jsme za\u017eili plnou zam\u011bstnanost a museli jsme jako zem\u011b pro p\u0159\u00edval zak\u00e1zek dokonce dov\u00e1\u017eet pracovn\u00edky z mnoha zem\u00ed sv\u011bta, aby \u010desk\u00e9 podniky v\u016fbec mohly d\u00e1l vyr\u00e1b\u011bt.<\/p>\n\n\n\n<p>T\u00edm nejsp\u00ed\u0161 do\u0161lo i k ur\u010dit\u00e9 deformaci pov\u011bdom\u00ed o t\u011bchto pravideln\u00fdch z\u00e1konitostech, p\u0159i kter\u00fdch se st\u0159\u00edd\u00e1 obdob\u00ed r\u016fstu s obdob\u00edm poklesu. A p\u0159esto, \u017ee jsou tyto zm\u011bny p\u0159irozenou sou\u010d\u00e1st\u00ed kolob\u011bhu \u017eivota, tak m\u00e1me tendenci zapom\u00ednat, \u017ee \u017eivot se vyv\u00edj\u00ed v cyklech a historie se \u010das od \u010dasu opakuje.<\/p>\n\n\n\n<p><strong>V\u00fdhoda i achilova pata \u010desk\u00e9ho hospod\u00e1\u0159stv\u00ed &#8211; pr\u016fmysl<\/strong><\/p>\n\n\n\n<p>\u010cesk\u00e1 republika m\u00e1 v tomto ohledu nav\u00edc ur\u010ditou dvouse\u010dnou sekeru. T\u00edmto dvoj\u00edm ost\u0159\u00edm je fakt, \u017ee na\u0161e zem\u011b je bez ohledu na to co si mysl\u00edme malink\u00e1 a ohrom\u011b z\u00e1visl\u00e1 na exportu v\u00fdrobk\u016f dlouhodob\u00e9 spot\u0159eby.<\/p>\n\n\n\n<p>Zbo\u017e\u00ed dlouhodob\u00e9 spot\u0159eby je obvykle pr\u016fmyslov\u00e9 a stroj\u00edrensk\u00e9 zbo\u017e\u00ed, kter\u00e9 si z\u00e1kazn\u00edk jednou koup\u00ed a pak jej velmi dlouho vyu\u017e\u00edv\u00e1.<\/p>\n\n\n\n<p>Typick\u00fdm p\u0159\u00edkladem budi\u017e pro velk\u00e9 zjednodu\u0161en\u00ed automobil, jeho\u017e \u017eivotn\u00ed cyklus trv\u00e1 mo\u017en\u00e1 v pr\u016fm\u011bru n\u011bco mezi 7 a 15 lety, ale p\u0159i dobr\u00e9 \u00fadr\u017eb\u011b klidn\u011b i d\u00e9le. V takov\u00e9m p\u0159\u00edpad\u011b si z\u00e1kazn\u00edk m\u016f\u017ee nov\u00e9 auto koupit, ale pokud bude m\u00edt hloub\u011bji do kapsy, tak je to snad posledn\u00ed v\u011bc, kterou si koup\u00ed. \u010clov\u011bk se zkr\u00e1tka hecne a vydr\u017e\u00ed d\u00e9le i se star\u0161\u00edm vozem.<\/p>\n\n\n\n<p>A to je pr\u00e1v\u011b ta Achilova pata \u010desk\u00e9ho hospod\u00e1\u0159stv\u00ed. Na\u0161e v\u00fdrobky si lid\u00e9 r\u00e1di koup\u00ed, ale \u010dasto se bez nich tak\u00e9 obejdou. Je to sice velmi zjednodu\u0161en\u00fd p\u0159\u00edklad, ale vzhledem k v\u00fdznamu automobilov\u00e9ho pr\u016fmyslu v \u010desk\u00e9m hospod\u00e1\u0159stv\u00ed celkem i relevantn\u00ed. <\/p>\n\n\n\n<p>St\u00e1lo by tak\u00e9 zde tak\u00e9 zm\u00ednit se o faktu, \u017ee mnoho v \u010cesku p\u016fsob\u00edc\u00edch podnik\u016f majetkov\u011b v\u016fbec nen\u00ed \u010desk\u00fdch, co\u017e s sebou nese dal\u0161\u00ed souvislosti <a href=\"https:\/\/www.jindrichsmitka.cz\/2019\/10\/12\/lokalni-ekonomika-aneb-cim-bliz-tim-lip\/\">(\u010dt\u011bte v\u00edce zde)<\/a>.<\/p>\n\n\n\n<script async=\"\" src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script><!-- Automatick\u00e1 velikost reklamy --><ins class=\"adsbygoogle\" style=\"display: block;\" data-ad-client=\"ca-pub-9221645303649413\" data-ad-slot=\"8661693083\" data-ad-format=\"auto\" data-full-width-responsive=\"true\"><\/ins><script>\n(adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><br>\n\n\n\n<p><strong>Rychle nahoru, rychle dolu a naopak<\/strong><\/p>\n\n\n\n<p>V \u0161ir\u0161\u00edm pohledu toto dvojit\u00e9 ost\u0159\u00ed funguje tak, \u017ee jakmile se za\u010dnou m\u00edt lid\u00e9 po sv\u011bt\u011b majetkov\u011b l\u00e9pe, tak z\u00e1jem o pr\u016fmyslov\u00e9 zbo\u017e\u00ed rychle roste. Pokud se trend oto\u010d\u00ed, tak stejn\u011b tak rychle pad\u00e1.<\/p>\n\n\n\n<p>Kdy\u017e potom opravdu p\u0159ijde n\u00e1ro\u010dn\u011bj\u0161\u00ed doba, tak prvn\u00ed co z\u00e1kazn\u00edci p\u0159estanou kupovat jsou nov\u00e1 auta a obecn\u011b zbo\u017e\u00ed dlouhodob\u00e9 spot\u0159eby. V\u00fdhodou v\u0161ak z\u016fst\u00e1v\u00e1, \u017ee pr\u016fmysl tak\u00e9 disponuje ur\u010ditou setrva\u010dnost\u00ed, co\u017e n\u011bkter\u00e9 nep\u0159\u00edzniv\u00e9 vlivy p\u0159inejmen\u0161\u00edm tlum\u00ed.<\/p>\n\n\n\n<p>To ve zkratce znamen\u00e1, \u017ee pod\u00edv\u00e1me-li se znovu na srovn\u00e1n\u00ed s ostatn\u00edmi zem\u011bmi, tak je t\u0159eba vz\u00edt v potaz, \u017ee maj\u00ed jinou strukturu ekonomiky. A p\u0159esto\u017ee se tyto struktury do ur\u010dit\u00e9 m\u00edry p\u0159ekr\u00fdvaj\u00ed, tak st\u00e1le plat\u00ed, \u017ee kdy\u017e dva d\u011blaj\u00ed tot\u00e9\u017e, nen\u00ed to tot\u00e9\u017e.<\/p>\n\n\n\n<p><strong>Kumulace faktor\u016f<\/strong><\/p>\n\n\n\n<p>Pokud tak dopust\u00edme vysok\u00e9 zadlu\u017een\u00ed v dob\u011b, kdy se popt\u00e1vka z jak\u00e9hokoli d\u016fvodu na del\u0161\u00ed dobu v\u00fdrazn\u011bji sn\u00ed\u017e\u00ed, klesnou p\u0159\u00edjmy i zam\u011bstnanost, tak se spolu s t\u00edm raketov\u011b zv\u00fd\u0161\u00ed procentu\u00e1ln\u00ed vyj\u00e1d\u0159en\u00ed dluhu v\u016f\u010di HDP.<\/p>\n\n\n\n<p>S t\u00edm se pak samoz\u0159ejm\u011b tyto dluhy h\u016f\u0159e spl\u00e1cej\u00ed a to zejm\u00e9na ty zahrani\u010dn\u00ed a v ciz\u00edch m\u011bn\u00e1ch. M\u00e9n\u011b pracuj\u00edc\u00edch, m\u00e9n\u011b p\u0159\u00edjm\u016f, m\u00e9n\u011b odvod\u016f a dluhy, jejich\u017e \u00faroky se v \u010dase nezastav\u00ed.<\/p>\n\n\n\n<p><strong>Nic neroste do nebe<\/strong><\/p>\n\n\n\n<p>Trochu mi p\u0159ipad\u00e1, jako by se mo\u017en\u00e1 a\u017e p\u0159\u00edli\u0161 mnoho lid\u00ed nech\u00e1valo uchl\u00e1cholit l\u00edbiv\u00fdmi poh\u00e1dkami, kter\u00e9 n\u00e1s maj\u00ed uklidnit a vyvolat pocit bezpe\u010d\u00ed, \u017ee zadlu\u017eov\u00e1n\u00ed je vlastn\u011b norm\u00e1ln\u00ed a v po\u0159\u00e1dku.<\/p>\n\n\n\n<p>A \u017ee je d\u016fle\u017eit\u00e9 si zachovat ono pohodl\u00ed, kter\u00e9mu jsme p\u0159ivykli a kter\u00e9ho se nechceme jen tak vzd\u00e1t ani na \u00fakor budoucnosti. Ale co, v\u017edy\u0165 nakonec to tak d\u011blaj\u00ed v\u0161ichni.<\/p>\n\n\n\n<p>Jen je t\u0159eba si uv\u011bdomit, \u017ee nic (krom\u011b dluh\u016f) neroste do nebe a po rekordn\u00edch letech zpravidla p\u0159ich\u00e1zej\u00ed ty m\u00e9n\u011b rekordn\u00ed. Jen se p\u0159edem nev\u00ed, kdy tomu tak bude, ani jak\u00e9 to bude.<\/p>\n\n\n\n<script async=\"\" src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script><!-- Automatick\u00e1 velikost reklamy --><ins class=\"adsbygoogle\" style=\"display: block;\" data-ad-client=\"ca-pub-9221645303649413\" data-ad-slot=\"8661693083\" data-ad-format=\"auto\" data-full-width-responsive=\"true\"><\/ins><script>\n(adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><br>\n\n\n\n<p><strong>Zm\u011bna jako p\u0159\u00edle\u017eitost<\/strong><\/p>\n\n\n\n<p>V\u00fd\u0161e popsan\u00e9 v\u0161ak nutn\u011b neznamen\u00e1 n\u011bjakou katastrofu. Je pot\u0159eba si uv\u011bdomit, \u017ee ka\u017ed\u00e1 situace m\u00e1 minim\u00e1ln\u011b dv\u011b strany.<\/p>\n\n\n\n<p>Mus\u00edme se jen nau\u010dit d\u00edvat se na v\u011bci z \u0161ir\u0161\u00edho pohledu a br\u00e1t zm\u011bny, kter\u00e9 v souvislosti s d\u016fsledky dluh\u016f \u010dasem p\u0159ijdou jako p\u0159\u00edle\u017eitost k dal\u0161\u00edmu zlep\u0161ov\u00e1n\u00ed.<\/p>\n\n\n\n<p>P\u0159\u00edle\u017eitost zlep\u0161it sami sebe, nau\u010dit se n\u011bco nov\u00e9ho a tak\u00e9 jako p\u0159\u00edle\u017eitost pro sv\u011bt, aby mohl uvolnit m\u00edsto pro to nov\u00e9, co bezpochyby tak\u00e9 p\u0159ijde. Konec jedn\u00e9 cesty znamen\u00e1 v\u017edy jen za\u010d\u00e1tek druh\u00e9 <a href=\"https:\/\/www.jindrichsmitka.cz\/2016\/07\/03\/konec-je-jen-dalsi-zacatek\/\">(\u010dt\u011bte v\u00edce zde)<\/a> a to a\u0165 u\u017e si pod t\u00edm p\u0159edstavujeme cokoliv.<\/p>\n\n\n\n<p><strong>Co m\u016f\u017eete d\u011blat?<\/strong><\/p>\n\n\n\n<p>Trocha osobn\u00edho pr\u016fzkumu situace a vzd\u011bl\u00e1v\u00e1n\u00ed v t\u00e9to problematice je\u0161t\u011b nikdy nikomu neu\u0161kodila. Zkusit se zamyslet nad t\u00edm, co bylo a co z toho v\u0161eho m\u016f\u017ee vzej\u00edt, ur\u010dit\u011b tak\u00e9 nen\u00ed na \u0161kodu. V tomto ohledu p\u0159ipravuji videokurz z oblasti ochrany finan\u010dn\u00edho majetku a investov\u00e1n\u00ed podle ekonomick\u00fdch cykl\u016f <a href=\"https:\/\/www.jindrichsmitka.cz\/2021\/03\/14\/videokurz-ochrana-majetku-a-investovani-podle-ekonomickych-cyklu\/\">(\u010dt\u011bte v\u00edce zde)<\/a>.<\/p>\n\n\n\n<p>Objevuj\u00ed se tak\u00e9 zaj\u00edmav\u00e9 finan\u010dn\u00ed modely, kter\u00e9 n\u00e1m v\u0161em mohou do budoucna sk\u00fdtat zaj\u00edmav\u00e9 mo\u017enosti a p\u0159\u00edle\u017eitosti. T\u011bmi jsou nap\u0159\u00edklad d\u0159\u00edve popsan\u00e9 kryptom\u011bny, kter\u00e9 je nov\u011b mo\u017en\u00e9 t\u011b\u017eit tak\u00e9 prost\u0159ednictv\u00edm mobiln\u00edch telefon\u016f. \u010ct\u011bte v\u00edc o <a href=\"https:\/\/www.jindrichsmitka.cz\/2021\/02\/17\/kryptomena-pi-nova-digitalni-mena-pro-mobilni-telefony\/\">kryptom\u011bn\u011b Pi (zde)<\/a> a <a href=\"https:\/\/www.jindrichsmitka.cz\/2021\/02\/28\/kryptomena-bee-dalsi-digitalni-mena-pro-mobilni-telefony\/\">kryptom\u011bn\u011b Bee (zde)<\/a>.<\/p>\n\n\n\n<p>Je tak\u00e9 u\u017eite\u010dn\u00e9 zamyslet se nad zp\u016fsobem jak\u00fdm utr\u00e1c\u00edme a p\u0159\u00edpadn\u011b trochu p\u0159ehodnotit p\u0159\u00edstup k v\u00fddaj\u016fm. Inspiraci k tomu lze naj\u00edt nap\u0159\u00edklad v ned\u00e1vn\u00e9m \u010dl\u00e1nku o placen\u00ed \u017eivotn\u00edm \u010dasem <a href=\"https:\/\/www.jindrichsmitka.cz\/2021\/01\/30\/placeni-zivotnim-casem\/\">(\u010dt\u011bte v\u00edce zde)<\/a>. <\/p>\n\n\n\n<p>V dob\u011b n\u00e1ro\u010dn\u00e9 na psychiku se tak\u00e9 ur\u010dit\u011b vyplat\u00ed v r\u00e1mci mo\u017enost\u00ed se odpojit od neust\u00e1l\u00e9ho p\u0159\u00edvalu informac\u00ed a d\u00e1t si my\u0161lenkov\u00fd detox <a href=\"https:\/\/www.jindrichsmitka.cz\/2018\/06\/18\/jak-na-digitalni-detox\/\">(\u010dt\u011bte v\u00edce zde)<\/a> nebo si trochu oddechnout jin\u00fdmi informacemi a t\u0159eba se pod\u00edvat na besedu o p\u011b\u0161\u00ed pouti do Santiaga de Compostela <a href=\"https:\/\/www.jindrichsmitka.cz\/produkt\/videobeseda-3-000-kilometru-pesky-do-santiaga-de-compostela\/\">(v\u00edce zde)<\/a>.<\/p>\n\n\n\n<p><em>D\u00e1l se m\u016f\u017eete pod\u00edvat nap\u0159\u00edklad na pou\u010dnou Videobesedu o pouti do Santiaga de Compostela <a href=\"https:\/\/www.jindrichsmitka.cz\/produkt\/videobeseda-3-000-kilometru-pesky-do-santiaga-de-compostela\/\">(zde)<\/a> a i nad\u00e1le se m\u016f\u017eete t\u011b\u0161it na dal\u0161\u00ed zaj\u00edmav\u00e1 t\u00e9mata. Rozhodn\u011b se proto <strong>zapi\u0161te k odb\u011bru novinek<\/strong> do formul\u00e1\u0159e n\u00ed\u017ee, aby V\u00e1m nic neuniklo nebo <strong>podpo\u0159te provoz<\/strong> tohoto blogu p\u0159\u00edsp\u011bvkem <a href=\"https:\/\/www.jindrichsmitka.cz\/2019\/04\/13\/podporte-dalsi-rozvoj-blogu\">(v\u00edce zde)<\/a>.<\/em><\/p>\n\n\n\n<p><strong>P\u0159ihl\u00e1sit k odb\u011bru novinek:<\/strong> [mc4wp_form id=&#8220;175&#8243;]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ot\u00e1zka zadlu\u017een\u00ed, kter\u00e1 hlod\u00e1 v mysli. D\u011blaj\u00ed to tak p\u0159ece v\u0161ichni a ve srovn\u00e1n\u00ed jsme na tom p\u0159ece je\u0161t\u011b dob\u0159e nebo ne? V\u00fdhody i nedostatky \u010desk\u00e9 ekonomiky a p\u0159\u00edle\u017eitosti do budoucna. <\/p>\n","protected":false},"author":2,"featured_media":3163,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[56],"tags":[216,217,1306,662,1307],"class_list":["post-3162","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-myslenky","tag-ceska-republika","tag-cesko","tag-dluh","tag-problem","tag-zadluzeni"],"aioseo_notices":[],"jetpack_featured_media_url":"https:\/\/www.jindrichsmitka.cz\/wp-content\/uploads\/2021\/03\/pexels-gabby-k-5849580.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.jindrichsmitka.cz\/index.php\/wp-json\/wp\/v2\/posts\/3162","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.jindrichsmitka.cz\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.jindrichsmitka.cz\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.jindrichsmitka.cz\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.jindrichsmitka.cz\/index.php\/wp-json\/wp\/v2\/comments?post=3162"}],"version-history":[{"count":0,"href":"https:\/\/www.jindrichsmitka.cz\/index.php\/wp-json\/wp\/v2\/posts\/3162\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.jindrichsmitka.cz\/index.php\/wp-json\/wp\/v2\/media\/3163"}],"wp:attachment":[{"href":"https:\/\/www.jindrichsmitka.cz\/index.php\/wp-json\/wp\/v2\/media?parent=3162"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.jindrichsmitka.cz\/index.php\/wp-json\/wp\/v2\/categories?post=3162"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.jindrichsmitka.cz\/index.php\/wp-json\/wp\/v2\/tags?post=3162"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}