{"id":253702,"date":"2022-05-16T08:25:28","date_gmt":"2022-05-16T07:25:28","guid":{"rendered":"https:\/\/zakrasnejsivimperk.cz\/?p=253702"},"modified":"2022-05-16T16:42:47","modified_gmt":"2022-05-16T15:42:47","slug":"analyza-cs-sporitelny-nasi-zachrannou-sit-nechavame-klesat","status":"publish","type":"post","link":"https:\/\/zakrasnejsivimperk.cz\/?p=253702","title":{"rendered":"ANAL\u00ddZA \u010cS. SPO\u0158ITELNY: Nech\u00e1v\u00e1me klesat na\u0161i z\u00e1chrannou s\u00ed\u0165. Co hroz\u00ed?"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-216005 size-full\" src=\"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2021\/02\/16\/\u010desk\u00e1-spo\u0159itelna-logo.png\" alt=\"\" width=\"1200\" height=\"632\" srcset=\"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2021\/02\/16\/\u010desk\u00e1-spo\u0159itelna-logo.png 1200w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2021\/02\/16\/\u010desk\u00e1-spo\u0159itelna-logo-300x158.png 300w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2021\/02\/16\/\u010desk\u00e1-spo\u0159itelna-logo-768x404.png 768w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2021\/02\/16\/\u010desk\u00e1-spo\u0159itelna-logo-1024x539.png 1024w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2021\/02\/16\/\u010desk\u00e1-spo\u0159itelna-logo-678x357.png 678w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2021\/02\/16\/\u010desk\u00e1-spo\u0159itelna-logo-917x483.png 917w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/p>\n<p>&nbsp;<\/p>\n<h6 class=\"-wm-MsoNormal\">V\u00a0posledn\u00edch m\u011bs\u00edc\u00edch prob\u00edh\u00e1 debata o tom, zda\/jak by m\u011bla vl\u00e1da pom\u00e1hat dom\u00e1cnostem zasa\u017een\u00fdm rychle rostouc\u00edmi cenami energi\u00ed a pohonn\u00fdch hmot (a vbrzku asi i potravin).<\/h6>\n<p class=\"-wm-MsoNormal\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-216715 size-full\" src=\"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2021\/02\/25\/michal-sko\u0159epa.jpg\" alt=\"\" width=\"104\" height=\"133\" \/>Vl\u00e1da samotn\u00e1 samoz\u0159ejm\u011b nikomu finan\u010dn\u011b pom\u00e1hat nem\u016f\u017ee, nebo\u0165 pen\u00edze netrh\u00e1 na strom\u011b, n\u00fdbr\u017e p\u016fj\u010duje a n\u00e1sledn\u011b spl\u00e1c\u00ed pen\u011bzi vybran\u00fdmi od poplatn\u00edk\u016f. Rozhoduje tedy jen o tom, jestli a jak hodn\u011b si nyn\u011bj\u0161\u00ed generace pom\u016f\u017ee z\u00a0kapes budouc\u00edch generac\u00ed. Ot\u00e1zka tak zn\u00ed, jak hodn\u011b bychom si z\u00a0t\u011bch kapes m\u011bli vz\u00edt.<\/p>\n<p class=\"-wm-MsoNormal\">Jasn\u00e9 vod\u00edtko vid\u00edm v \u010dl\u00e1nku 30 odst. 2 Listiny z\u00e1kladn\u00edch pr\u00e1v a svobod: \u201eKa\u017ed\u00fd, kdo je v hmotn\u00e9 nouzi, m\u00e1 pr\u00e1vo na takovou pomoc, kter\u00e1 je nezbytn\u00e1 pro zaji\u0161t\u011bn\u00ed z\u00e1kladn\u00edch \u017eivotn\u00edch podm\u00ednek.\u201c (K tomuto t\u00e9matu bl\u00ed\u017ee viz m\u016fj blogov\u00fd text\u00a0<a href=\"https:\/\/blog.aktualne.cz\/blogy\/michal-skorepa.php?itemid=42541\" target=\"_blank\" rel=\"noopener\"><strong>ZDE<\/strong><\/a>).<\/p>\n<p class=\"-wm-MsoNormal\">Abychom ov\u0161em mohli toto vod\u00edtko pou\u017e\u00edvat v\u00a0praxi, mus\u00edme stanovit, jak konkr\u00e9tn\u011b vypad\u00e1 hranice hmotn\u00e9 nouze (neboli co jsou z\u00e1kladn\u00ed \u017eivotn\u00ed podm\u00ednky, nap\u0159\u00edklad o jak\u00e9 konkr\u00e9tn\u00ed objemy zbo\u017e\u00ed a slu\u017eeb se jedn\u00e1), a tedy jak\u00fd finan\u010dn\u00ed p\u0159\u00edjem p\u0159i aktu\u00e1ln\u00edch cen\u00e1ch mus\u00ed \u010dlov\u011bk m\u00edt, aby se dr\u017eel pr\u00e1v\u011b na t\u00e9to hranici a do hmotn\u00e9 nouze nespadl. Na \u00farovni tohoto p\u0159\u00edjmu je pak t\u0159eba zav\u011bsit \u201ez\u00e1chrannou s\u00ed\u0165\u201c, tj. nastavit soci\u00e1ln\u00ed d\u00e1vky tak, aby p\u0159\u00edjem \u017e\u00e1dn\u00e9 dom\u00e1cnost\u00ed neklesl pod tuto \u00farove\u0148.<\/p>\n<p class=\"-wm-MsoNormal\">Chceme-li ur\u010dit, v\u00a0jak\u00e9 v\u00fd\u0161i (ve smyslu dostupn\u00e9ho objemu zbo\u017e\u00ed a slu\u017eeb) by podle \u010desk\u00e9 spole\u010dnosti m\u011bla z\u00e1chrann\u00e1 s\u00ed\u0165 viset, jednou mo\u017enost\u00ed je pod\u00edvat se na \u010d\u00e1stku, kter\u00e1 podle aktu\u00e1ln\u011b platn\u00e9 legislativy odpov\u00edd\u00e1 existen\u010dn\u00edmu minimu (\u010d\u00e1stka se t\u00fdk\u00e1 v\u0161ech v\u00fddaj\u016f dom\u00e1cnosti krom\u011b n\u00e1klad\u016f na bydlen\u00ed).<\/p>\n<p class=\"-wm-MsoNormal\">Zvol\u00edme-li tento p\u0159\u00edstup, zjist\u00edme velmi zaj\u00edmavou v\u011bc: p\u0159edstava \u010desk\u00e9 spole\u010dnosti o vhodn\u00e9 v\u00fd\u0161i um\u00edst\u011bn\u00ed z\u00e1chrann\u00e9 s\u00edt\u011b nen\u00ed v\u00a0\u010dase nem\u011bnn\u00e1. Pokud se tedy m\u011bn\u00ed, \u010dekali bychom, \u017ee celkov\u00e9 re\u00e1ln\u00e9 bohatnut\u00ed spole\u010dnosti povede sp\u00ed\u0161 k\u00a0posun\u016fm t\u00e9to p\u0159edstavy nahoru. Skute\u010dnost je ale opa\u010dn\u00e1: spole\u010densk\u00e1 p\u0159edstava ohledn\u011b p\u0159\u00edjmu chr\u00e1n\u00edc\u00edho p\u0159ed hmotnou nouz\u00ed \u2013 tj. o inflaci o\u010di\u0161t\u011bn\u00e1 hodnota existen\u010dn\u00edho minima \u2013 dlouhodob\u011b p\u0159ev\u00e1\u017en\u011b klesala.<\/p>\n<p class=\"-wm-MsoNormal\">Tak nap\u0159\u00edklad v\u00a0lednu 2007 existen\u010dn\u00ed minimum \u010dinilo 2\u00a0020 K\u010d. Spot\u0159ebitelsk\u00e9 ceny se od t\u00e9 doby zv\u00fd\u0161ily o dobr\u00fdch 55 %; pokud bychom se tedy cht\u011bli dodnes dr\u017eet p\u0159edstavy, kterou jsme o vhodn\u00e9 v\u00fd\u0161i z\u00e1chrann\u00e9 s\u00edt\u011b m\u011bli v\u00a0lednu 2007, existen\u010dn\u00ed minimum by dnes m\u011blo \u010dinit 3\u00a0128 K\u010d. Ve skute\u010dnosti ov\u0161em (po \u00faprav\u011b od 1. dubna 2022) \u010din\u00ed jen 2 740 K\u010d.<\/p>\n<p class=\"-wm-MsoNormal\">Aktu\u00e1ln\u011b platn\u00e1 v\u00fd\u0161e z\u00e1chrann\u00e9 s\u00edt\u011b ve smyslu existen\u010dn\u00edho minima je tedy o 388 K\u010d n\u00ed\u017e, ne\u017e by\u00a0m\u011bla b\u00fdt podle hypotetick\u00e9 valorizace \u010d\u00e1stky stanoven\u00e9 od ledna 2007.<\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-253703 size-full\" src=\"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2022\/05\/07\/grafy-spo\u0159itelna-1.png\" alt=\"\" width=\"505\" height=\"366\" srcset=\"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2022\/05\/07\/grafy-spo\u0159itelna-1.png 505w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2022\/05\/07\/grafy-spo\u0159itelna-1-300x217.png 300w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2022\/05\/07\/grafy-spo\u0159itelna-1-326x235.png 326w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2022\/05\/07\/grafy-spo\u0159itelna-1-493x357.png 493w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2022\/05\/07\/grafy-spo\u0159itelna-1-198x143.png 198w\" sizes=\"(max-width: 505px) 100vw, 505px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>V\u00a0relativn\u00edm vyj\u00e1d\u0159en\u00ed m\u016f\u017eeme \u0159\u00edct, \u017ee jsme ochotni ty nejchud\u0161\u00ed z\u00a0n\u00e1s nechat p\u0159\u00edjmov\u011b klesnout o 13 % n\u00ed\u017e ne\u017e v\u00a0roce 2007. (U \u017eivotn\u00edho minima by byl v\u00fdsledek v\u00a0procentu\u00e1ln\u00edm vyj\u00e1d\u0159en\u00ed velice podobn\u00fd.)<\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-253704 size-full\" src=\"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2022\/05\/07\/grafy-spo\u0159itelna-2.png\" alt=\"\" width=\"520\" height=\"318\" srcset=\"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2022\/05\/07\/grafy-spo\u0159itelna-2.png 520w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2022\/05\/07\/grafy-spo\u0159itelna-2-300x183.png 300w\" sizes=\"(max-width: 520px) 100vw, 520px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p class=\"-wm-MsoNormal\">Tento dlouhodob\u00fd nez\u00e1jem o udr\u017eov\u00e1n\u00ed v\u00fd\u0161e, na n\u00ed\u017e je um\u00edst\u011bna z\u00e1chrann\u00e1 s\u00ed\u0165 v\u00a0r\u00e1mci d\u00e1vkov\u00e9ho syst\u00e9mu, je z\u0159ejm\u011b jednou z\u00a0forem (bohu\u017eel nevhodn\u00fdch), jak spole\u010dnost reagovala na pocit, \u017ee d\u00e1vky jsou masov\u011b zneu\u017e\u00edv\u00e1ny a \u017ee \u00fa\u0159ady nejsou schopny tomuto zneu\u017e\u00edv\u00e1n\u00ed u\u010dinit p\u0159\u00edtr\u017e.\u00a0Dal\u0161\u00ed formou reakce bylo vybudov\u00e1n\u00ed atmosf\u00e9ry, \u017ee \u017e\u00e1dat o d\u00e1vky v\u00a0hmotn\u00e9 nouzi je ostuda \u2013 \u017ee je to projev bu\u010f lenosti a vykut\u00e1len\u00e9ho podv\u00e1d\u011bn\u00ed, nebo trapn\u00e9 neschopnosti se o sebe postarat.<\/p>\n<p class=\"-wm-MsoNormal\">V tuto chv\u00edli pot\u0159ebujeme, aby d\u00e1vky v hmotn\u00e9 nouzi (a p\u0159\u00edsp\u011bvek na bydlen\u00ed) zafungovaly, jak by m\u011bly &#8211; ale ony tak nefunguj\u00ed, proto\u017ee nastavuj\u00ed z\u00e1chrannou s\u00ed\u0165 velmi n\u00edzko a proto\u017ee pro mnoh\u00e9 nyn\u00ed s inflac\u00ed dramaticky z\u00e1pas\u00edc\u00ed dom\u00e1cnosti\u00a0m\u00e1\u00a0\u010derp\u00e1n\u00ed t\u011bchto d\u00e1vek\u00a0siln\u011b odpudiv\u00fd od\u00e9r. V\u00fdsledkem m\u016f\u017ee b\u00fdt nov\u00e1 vlna exekuc\u00ed, soci\u00e1ln\u00ed nepokoje a n\u00e1stup politick\u00fdch sil nab\u00edzej\u00edc\u00edch radik\u00e1ln\u00ed \u0159e\u0161en\u00ed. V minul\u00fdch letech jsme bohu\u017eel zaseli v\u00edtr; te\u010f hroz\u00ed, \u017ee sklid\u00edme bou\u0159i.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Michal SKO\u0158EPA, ekonom \u010cesk\u00e9 spo\u0159itelny a \u010dlen veden\u00ed \u010cesk\u00e9 spole\u010dnosti ekonomick\u00e9\u00a0<\/strong><\/p>\n<hr \/>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; V\u00a0posledn\u00edch <\/p>\n","protected":false},"author":2,"featured_media":216005,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"gallery","meta":{"footnotes":""},"categories":[19],"tags":[],"jetpack_featured_media_url":"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2021\/02\/16\/\u010desk\u00e1-spo\u0159itelna-logo.png","_links":{"self":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/253702"}],"collection":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=253702"}],"version-history":[{"count":8,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/253702\/revisions"}],"predecessor-version":[{"id":253712,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/253702\/revisions\/253712"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/media\/216005"}],"wp:attachment":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=253702"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=253702"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=253702"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}