[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.djuna.cz\/financni-negramotnost-v-cechach\/#Article","mainEntityOfPage":"https:\/\/www.djuna.cz\/financni-negramotnost-v-cechach\/","headline":"Finan\u010dn\u00ed negramotnost v \u010cech\u00e1ch","name":"Finan\u010dn\u00ed negramotnost v \u010cech\u00e1ch","description":"V \u010cesk\u00e9 republice p\u0159ib\u00fdv\u00e1 lid\u00ed, kte\u0159\u00ed jsou zadlu\u017eeni. Je to hodn\u011b velk\u00fd probl\u00e9m, kter\u00fd se vle\u010de i do konce \u017eivota. Mnoz\u00ed z nich opravdu hodn\u011b. Z mal\u00fdch dluh\u016f mohou vzniknout vysok\u00e9 dluhy, kter\u00fdch se u\u017e nikdy nezbav\u00edte. Co z toho plyne? \u017de \u010ce\u0161i jsou finan\u010dn\u011b negramotn\u00ed. Kvalita finan\u010dn\u00edch slu\u017eeb Ur\u010dit\u011b je t\u0159eba situaci naz\u00edrat dvoj\u00edm...<p class=\"more-link-wrap\"><a href=\"https:\/\/www.djuna.cz\/financni-negramotnost-v-cechach\/\" class=\"more-link\">P\u0159e\u010d\u00edst<span class=\"screen-reader-text\"> &ldquo;Finan\u010dn\u00ed negramotnost v \u010cech\u00e1ch&rdquo;<\/span> &raquo;<\/a><\/p>","datePublished":"2025-02-27","dateModified":"2023-04-27","author":{"@type":"Person","@id":"https:\/\/www.djuna.cz\/author\/#Person","name":"","url":"https:\/\/www.djuna.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1e120f96477763896a9e7ab3663c076bf8b67ca32fa1a5943b70761da502a7a7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1e120f96477763896a9e7ab3663c076bf8b67ca32fa1a5943b70761da502a7a7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"djuna.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.djuna.cz\/wp-content\/uploads\/img_a305174_w2269_t1516704553.jpg","url":"https:\/\/www.djuna.cz\/wp-content\/uploads\/img_a305174_w2269_t1516704553.jpg","height":0,"width":0},"url":"https:\/\/www.djuna.cz\/financni-negramotnost-v-cechach\/","wordCount":419,"articleBody":" V \u010cesk\u00e9 republice p\u0159ib\u00fdv\u00e1 lid\u00ed, kte\u0159\u00ed jsou zadlu\u017eeni. Je to hodn\u011b velk\u00fd probl\u00e9m, kter\u00fd se vle\u010de i do konce \u017eivota. Mnoz\u00ed z nich opravdu hodn\u011b. Z mal\u00fdch dluh\u016f mohou vzniknout vysok\u00e9 dluhy, kter\u00fdch se u\u017e nikdy nezbav\u00edte. Co z toho plyne? \u017de \u010ce\u0161i jsou finan\u010dn\u011b negramotn\u00ed.Kvalita finan\u010dn\u00edch slu\u017eeb Ur\u010dit\u011b je t\u0159eba situaci naz\u00edrat dvoj\u00edm zp\u016fsobem. Jednou z nich je, jak\u00e9 jsou kvality finan\u010dn\u00edch slu\u017eeb, kter\u00e9 jsou nab\u00edzeny v \u010cesk\u00e9 republice. Nem\u011bl by z\u00e1kon korigovat finan\u010dn\u00ed podnik\u00e1n\u00ed, kter\u00e9 je n\u011bkdy prachoby\u010dejnou lichvou? Nem\u011bla by b\u00fdt z\u00e1konem dan\u00e1 maxim\u00e1ln\u00ed v\u00fd\u0161e \u00farok\u016f z prodlen\u00ed? Nem\u011bli by se d\u016fsledn\u011bji kontrolovat p\u0159\u00edjmy \u017eadatel\u016f o p\u016fj\u010dky, jako tomu b\u00fdvalo d\u0159\u00edve? Toto v\u0161echno jsou d\u016fle\u017eit\u00e9 ot\u00e1zky, kter\u00e9 by si m\u011bli kompetentn\u00ed osoby kl\u00e1st a celou problematiku posunout do jin\u00e9 roviny. Finan\u010dn\u00ed nezodpov\u011bdnost Dal\u0161\u00ed str\u00e1nka probl\u00e9mu je, \u017ee lid\u00e9 jsou opravdu finan\u010dn\u011b negramotn\u00ed a nezodpov\u011bdn\u00ed. Je zp\u016fsob, jak to \u0159e\u0161it? Ur\u010dit\u011b by bylo na m\u00edst\u011b, kdyby nap\u0159\u00edklad \u010cesk\u00e1 televize nab\u00edzela p\u0159ed hlavn\u00edm programem vzd\u011bl\u00e1vac\u00ed videa. P\u0159\u00edkladem m\u016f\u017ee b\u00fdt vzd\u011bl\u00e1vac\u00ed seri\u00e1l Jak na internet. V seri\u00e1lu by m\u011blo zazn\u00edt, jak\u00e1 rizika na sebe \u010dlov\u011bk bere s ka\u017ed\u00fdm i docela mal\u00fdm \u00fav\u011brem. Co v\u00edce, jak\u00e1 rizika na sebe bere, kdy\u017e nehrad\u00ed v\u010das sv\u00e9 pohled\u00e1vky jako t\u0159eba nedoplatky za \u010dern\u00e9 j\u00edzdy, energie, odpady, poji\u0161t\u011bn\u00ed atd. Vzd\u011bl\u00e1vat u\u017e na \u0161kol\u00e1ch Ka\u017edop\u00e1dn\u011b se ur\u010dit\u011b shodneme v tom, \u017ee je d\u016fle\u017eit\u00e9, aby se s probl\u00e9mem finan\u010dn\u00ed gramotnosti zab\u00fdvali u\u017e odborn\u00edci na \u0161kol\u00e1ch. Tak jako je d\u016fle\u017eit\u00e9, aby d\u011bti z\u00edskali u\u017e v d\u011btstv\u00ed po\u010d\u00edta\u010dovou gramotnost, je vhodn\u00e9 podpo\u0159it jejich finan\u010dn\u00ed gramotnost. To se na\u0161t\u011bst\u00ed na mnoh\u00fdch \u0161kol\u00e1ch ji\u017e d\u011bje prost\u0159ednictv\u00edm r\u016fzn\u00fdch besed, interaktivn\u00edch projekt\u016f. Vzd\u011bl\u00e1v\u00e1n\u00ed v tomto ohledu je o to d\u016fle\u017eit\u011bj\u0161\u00ed, kdy\u017e mnoz\u00ed rodi\u010de nejsou schopni v tomto ohledu p\u0159edat sv\u00fdm d\u011btem dostate\u010dn\u00e9 kompetence a proto by bylo \u017e\u00e1douc\u00ed, aby tento probl\u00e9m kompenzovala \u0161kola.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Finan\u010dn\u00ed negramotnost v \u010cech\u00e1ch","item":"https:\/\/www.djuna.cz\/financni-negramotnost-v-cechach\/#breadcrumbitem"}]}]