[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.aktimo.cz\/jak-vlastne-vznikaji-penize\/#Article","mainEntityOfPage":"https:\/\/www.aktimo.cz\/jak-vlastne-vznikaji-penize\/","headline":"Jak vlastn\u011b vznikaj\u00ed pen\u00edze?","name":"Jak vlastn\u011b vznikaj\u00ed pen\u00edze?","description":"N\u011bco z historie Kdysi d\u00e1vno, kdy\u017e je\u0161t\u011b nebyly pen\u00edze, fungoval mezi lidmi sm\u011bnn\u00fd obchod, lid\u00e9 tak m\u011bnili nap\u0159\u00edklad maso za k\u016f\u017ei a podobn\u011b. \u010casem lid\u00e9 za\u010dali pou\u017e\u00edvat speci\u00e1ln\u00ed zbo\u017e\u00ed jako platidla, k nejzn\u00e1m\u011bj\u0161\u00edm pat\u0159ily zlat\u00e9, st\u0159\u00edbrn\u00e9 a m\u011bd\u011bn\u00e9 mince. V\u0161echna platidla v\u0161ak musela spl\u0148ovat ur\u010dit\u00e1 krit\u00e9ria, musela b\u00fdt v omezen\u00e9m mno\u017estv\u00ed a pom\u011br mezi zbo\u017e\u00edm a platidlem musel b\u00fdt p\u0159ibli\u017en\u011b … ","datePublished":"2025-05-10","dateModified":"2025-05-10","author":{"@type":"Person","@id":"https:\/\/www.aktimo.cz\/author\/#Person","name":"","url":"https:\/\/www.aktimo.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b682f75cb96d085fca5fbc8ca3f08e323444e236f6e6028585b73de81c46f711?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b682f75cb96d085fca5fbc8ca3f08e323444e236f6e6028585b73de81c46f711?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"aktimo.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.aktimo.cz\/wp-content\/uploads\/img_a319262_w2452_t1530127159.jpg","url":"https:\/\/www.aktimo.cz\/wp-content\/uploads\/img_a319262_w2452_t1530127159.jpg","height":0,"width":0},"url":"https:\/\/www.aktimo.cz\/jak-vlastne-vznikaji-penize\/","wordCount":509,"articleBody":"N\u011bco z historieKdysi d\u00e1vno, kdy\u017e je\u0161t\u011b nebyly pen\u00edze, fungoval mezi lidmi sm\u011bnn\u00fd obchod, lid\u00e9 tak m\u011bnili nap\u0159\u00edklad maso za k\u016f\u017ei a podobn\u011b. \u010casem lid\u00e9 za\u010dali pou\u017e\u00edvat speci\u00e1ln\u00ed zbo\u017e\u00ed jako platidla, k nejzn\u00e1m\u011bj\u0161\u00edm pat\u0159ily zlat\u00e9, st\u0159\u00edbrn\u00e9 a m\u011bd\u011bn\u00e9 mince. V\u0161echna platidla v\u0161ak musela spl\u0148ovat ur\u010dit\u00e1 krit\u00e9ria, musela b\u00fdt v omezen\u00e9m mno\u017estv\u00ed a pom\u011br mezi zbo\u017e\u00edm a platidlem musel b\u00fdt p\u0159ibli\u017en\u011b st\u00e1l\u00fd.Pozd\u011bji za\u010dali obchodn\u00edci pou\u017e\u00edvat \u0161eky, m\u011bly to b\u00fdt pouze bezpe\u010dn\u00e9 sm\u011bnky za platidlo a obchodn\u00edci si za n\u011b \u00fa\u010dtovali poplatky. Zlod\u011bj\u016fm byly \u0161eky k ni\u010demu, proto\u017ee sm\u011bnit je mohli jen pr\u00e1voplatn\u00ed majitel\u00e9, proto byly \u0161eky v\u00fdhodn\u00e9.\u00a0P\u0159evrat ve 20. stolet\u00edKdy\u017e se z obchodn\u00edk\u016f postupem \u010dasu za\u010dali st\u00e1vat bank\u00e9\u0159i, za\u010daly vznikat i banky. Po rozvoji bank a m\u011bn se ve 20. stolet\u00ed usp\u011blo s tzv. fiat m\u011bnami, co\u017e jsou m\u011bny vnucen\u00e9, to znamen\u00e1, m\u011bny, o kter\u00fdch rozhodne st\u00e1t, \u017ee m\u011bnami prost\u011b budou.Dnes je v\u011bt\u0161ina m\u011bn na sv\u011bt\u011b nekryt\u00e1, jejich hodnota je d\u00e1na jen v\u00edrou jejich u\u017eivatel\u016f v jejich cenu. St\u00e1ty nav\u00edc alternativn\u00ed platidla zakazuj\u00ed, a kdy\u017e je to nutn\u00e9 omezuj\u00ed i vlastnictv\u00ed jin\u00fdch platidel, nap\u0159. Drah\u00fdch kov\u016f.Jak tedy pen\u00edze m\u016f\u017eou vzniknout a zaniknout?M\u00e1lokdo v\u00ed, \u017ee pen\u00edze nevznikaj\u00ed v centr\u00e1ln\u00ed bance, ale \u017ee vznikaj\u00ed p\u0159i poskytov\u00e1n\u00ed p\u016fj\u010dek obchodn\u00edmi bankami. V\u011bt\u0161ina pen\u011bz tedy poch\u00e1z\u00ed pr\u00e1v\u011b z \u00fav\u011br\u016f. Kdekdo si mysl\u00ed, \u017ee kdy\u017e si p\u016fjde p\u016fj\u010dit pen\u00edze do banky, tak mu je banka p\u016fj\u010d\u00ed z \u00faspor n\u011bkoho jin\u00e9ho, ale opak je pravdou Spl\u00e1cen\u00edm p\u016fj\u010dek naopak pen\u00edze zanikaj\u00ed. Pomoc\u00ed centr\u00e1ln\u00ed banky st\u00e1t kontroluje, jak rychle pen\u00edze vznikaj\u00ed a zanikaj\u00ed, podle toho m\u016f\u017ee st\u00e1t i kontrolovat p\u0159ibli\u017en\u00e9 mno\u017estv\u00ed pen\u011bz v ob\u011bhu.Kde je probl\u00e9m?Pot\u00ed\u017e je v tom, \u017ee p\u0159i sou\u010dasn\u00e9m syst\u00e9mu, v p\u0159\u00edpad\u011b, \u017ee bychom v\u0161echny sv\u00e9 dluhy zaplatili a u\u017e si d\u00e1le nep\u016fj\u010dovali, by brzy v\u0161echny pen\u00edze zanikly, to ale samoz\u0159ejm\u011b nen\u00ed v z\u00e1jmu \u017e\u00e1dn\u00e9 banky, proto\u017ee na v\u00fdrob\u011b pen\u011bz dost bohatnou. Celkov\u00fd dluh se proto st\u00e1le navy\u0161uje a probl\u00e9my p\u0159edlu\u017een\u00ed se \u0159e\u0161\u00ed je\u0161t\u011b v\u011bt\u0161\u00edm zadlu\u017een\u00edm nam\u00edsto spl\u00e1cen\u00ed. St\u00e1t spole\u010dn\u011b s bankami takto systematicky o\u017eebra\u010duj\u00ed ob\u010dany ve sv\u016fj vlastn\u00ed prosp\u011bch d\u00edky nekryt\u00fdm pen\u011bz\u016fm.N\u011bco na z\u00e1v\u011brPamatujte, \u017ee opravdovou cenu m\u00e1 jen fyzicky vlastn\u011bn\u00fd majetek, nemovitosti, zbo\u017e\u00ed atd., pen\u00edze nemaj\u00ed \u017e\u00e1dnou cenu.                                                                                                                                                                                                                                                                                                                                                                                        4.2\/5 - (15 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak vlastn\u011b vznikaj\u00ed pen\u00edze?","item":"https:\/\/www.aktimo.cz\/jak-vlastne-vznikaji-penize\/#breadcrumbitem"}]}]