{"id":10420,"date":"2023-04-22T21:20:51","date_gmt":"2023-04-22T19:20:51","guid":{"rendered":"https:\/\/www.euroekonom.sk\/?p=10420"},"modified":"2024-05-13T14:57:14","modified_gmt":"2024-05-13T12:57:14","slug":"financne-investicie","status":"publish","type":"post","link":"https:\/\/www.vrtulniky.sk\/news\/financne-investicie\/","title":{"rendered":"Finan\u010dn\u00e9 invest\u00edcie"},"content":{"rendered":"<p>Finan\u010dn\u00e9 invest\u00edcie s\u00fa takzvan\u00e9 finan\u010dn\u00e9 prostriedky po pou\u017eit\u00ed, \u010di\u017ee finan\u010dn\u00e9 prostriedky nadob\u00fadaj\u00face formu invest\u00edci\u00ed. <a href=\"https:\/\/www.euroekonom.sk\/investicie-a-investovanie\/\">Invest\u00edcie m\u00f4\u017eeme op\u00edsa\u0165<\/a> ako tok v\u00fddavkov, ktor\u00fd zvy\u0161uje kapit\u00e1lov\u00fa z\u00e1sobu. V\u00fdsledkom investovania je \u010fal\u0161\u00ed rast bud\u00facej produkcie, ako aj rast pr\u00edjmov. ( \u0160\u00cdBL, D. a kol.,2002) Invest\u00edcie m\u00f4\u017eeme rozdeli\u0165 na re\u00e1lne a finan\u010dn\u00e9, ich charakter z\u00e1vis\u00ed od ich vyu\u017eitia.<\/p>\n<h2>\u010clenenie invest\u00edci\u00ed<\/h2>\n<p>Invest\u00edcia pre podnik znamen\u00e1 dlh\u0161ie viazanie svojich finan\u010dn\u00fdch prostriedkov, z ktor\u00fdch sa v bud\u00facnosti o\u010dak\u00e1va ist\u00fd pr\u00ednos \u010di\u017ee zisk. V z\u00e1vislosti na tom, ak\u00fd druh majetku podnik invest\u00edciou z\u00edska, mo\u017eno invest\u00edcie deli\u0165 na (Vlachynsk\u00fd et al, 2009, s. 235):<\/p>\n<ul>\n<li><strong>hmotn\u00e9 invest\u00edcie<\/strong> \u2013 ide o invest\u00edcie, ktor\u00fdch v\u00fdsledkom je dlhodob\u00fd hmotn\u00fd majetok alebo obe\u017en\u00fd majetok zv\u00e4\u010d\u0161a z\u00e1soby,<\/li>\n<li><strong>nehmotn\u00e9 invest\u00edcie<\/strong> \u2013 ich v\u00fdsledkom je nehmotn\u00fd majetok napr. ocenite\u013en\u00e9 pr\u00e1va ako patenty, licencie, softv\u00e9r, obchodn\u00e1 zn\u00e1mka, ocenite\u013en\u00e9 pr\u00e1va ako patenty,<\/li>\n<li><strong>finan\u010dn\u00e9 invest\u00edcie<\/strong> \u2013 jedn\u00e1 sa o invest\u00edcie ktor\u00fdch v\u00fdsledkom je napr. podiel na majetku in\u00e9ho podniku alebo kr\u00e1tkodob\u00e9 cenn\u00e9 papiere ako obe\u017en\u00fd majetok.<\/li>\n<\/ul>\n<p><strong>Dlhodob\u00e9 invest\u00edcie<\/strong> podniku predstavuj\u00fa t\u00fa \u010das\u0165 pe\u0148a\u017en\u00fdch v\u00fddavkov, ktor\u00fdch sa o\u010dak\u00e1van\u00e9 pr\u00edjmy predpokladaj\u00fa v priebehu dlh\u0161ieho \u010dasov\u00e9ho obdobia \u010do v praxi zv\u00e4\u010d\u0161a znamen\u00e1 viac ako jeden rok. Tieto spom\u00ednan\u00e9 pe\u0148a\u017en\u00e9 v\u00fddavky naz\u00fdvame kapit\u00e1lov\u00fdmi v\u00fddavkami. Pri prev\u00e1dzkov\u00fdch v\u00fddavkov je o\u010dak\u00e1van\u00e1 v\u00fdnosnos\u0165 zv\u00e4\u010d\u0161a v r\u00e1mci jedn\u00e9ho roka.<br \/>\nZ d\u00f4vodu potrieb podniku sledova\u0165 makoekonomick\u00e9 veli\u010diny, financovanie podniku a <a href=\"https:\/\/www.euroekonom.sk\/financie\/uctovnictvo\/\">\u00fa\u010dtovn\u00edctva<\/a> je d\u00f4le\u017eit\u00e9 invest\u00edcie definova\u0165 presnej\u0161ie. A tak z makroekonomick\u00e9ho h\u013eadiska rozli\u0161ujeme (Valach, 2006, s. 17-20) invest\u00edcie na hrub\u00e9 invest\u00edcie a \u010dist\u00e9 invest\u00edcie.<\/p>\n<h3>Hrub\u00e9 invest\u00edcie<\/h3>\n<p>Hrub\u00e9 invest\u00edcie predstavuj\u00fa pr\u00edrastok investi\u010dn\u00fdch statkov za dan\u00e9 obdobie. V dne\u0161nej metodike n\u00e1rodn\u00fdch \u00fa\u010dtov sa do nich implikuj\u00fa pod n\u00e1zvom <strong>tvorba hrub\u00e9ho kapit\u00e1lu<\/strong> nasleduj\u00face \u010dasti:<\/p>\n<ul>\n<li>zaobstaranie a \u00fabytok hmotn\u00fdch fixn\u00fdch akt\u00edv (t\u00fdka sa to hlavne budov, zariaden\u00ed a strojov),<\/li>\n<li>zaobstaranie a \u00fabytok nehmotn\u00fdch fixn\u00fdch akt\u00edv (napr. licencie, patenty),<\/li>\n<li>zmena stavu z\u00e1sob (aj strategick\u00e9 vl\u00e1dne rezervy).<\/li>\n<\/ul>\n<p>Hrub\u00e9 invest\u00edcie si nesieme zamie\u0148a\u0165 so stavom investi\u010dn\u00fdch statkov k ur\u010dit\u00e9mu okam\u017eiku. Zatia\u013e \u010do invest\u00edcie predstavuj\u00fa tonov\u00fa veli\u010dinu za ur\u010dit\u00e9 obdobie, ktor\u00e9 obnovuje eventu\u00e1lne roz\u0161iruje investi\u010dn\u00e9 statky, investi\u010dn\u00e9 statky s\u00fa stavov\u00e1 veli\u010dina k ur\u010dit\u00e9mu okam\u017eiku. D\u00f4le\u017eit\u00e9 je si uvedomi\u0165, \u017ee medzi hrub\u00e9 invest\u00edcie zah\u0155\u0148ame aj zmeny z\u00e1sob av\u0161ak predmety dlhodobej spotreby na uspokojenie kone\u010dnej spotreby dom\u00e1cnosti ako aj zmeny zbran\u00ed zaobstaran\u00e9 vl\u00e1dou na vojensk\u00e9 \u00fa\u010dely sem nepatria.<\/p>\n<h3>\u010cist\u00e9 invest\u00edcie<\/h3>\n<p>\u010cist\u00e9 invest\u00edcie predstavuj\u00fa hrub\u00e9 invest\u00edcie zn\u00ed\u017een\u00e9 o znehodnoten\u00fd kapit\u00e1l zv\u00e4\u010d\u0161a kapit\u00e1lovou spotrebou alebo odpismi. \u010cist\u00e9 invest\u00edcie tvoria podstatne menej ne\u017e jednu polovicu hrub\u00fdch invest\u00edcii.<\/p>\n<h2>Re\u00e1lne invest\u00edcie<\/h2>\n<p>Re\u00e1lne invest\u00edcie s\u00fa vtedy, ak sa invest\u00edcia premen\u00ed na re\u00e1lny produkt, m\u00f4\u017eu to by\u0165 stroje, zariadenia, budovy a pod. Tak\u00fdto typ mo\u017eno financova\u0165 napr\u00edklad z \u00faverov\u00fdch zdrojov, vtedy ak veritelia po\u017ei\u010diavaj\u00fa dl\u017en\u00edkom prostredn\u00edctvom \u00faverov. Samozrejme o\u010dak\u00e1van\u00fd zisk \u2013 v\u00fdnos m\u00e1 nasta\u0165 v podobe \u00faroku. Pri takomto type sa po dohodnutom \u010dase po\u017ei\u010dan\u00e9 prostriedky vr\u00e1tia a nadobudnut\u00fd v\u00fdnos je ziskom pre verite\u013ea.<br \/>\nNajv\u00e4\u010d\u0161ou v\u00fdhodou je ich re\u00e1lna podoba a ich u\u017eito\u010dnos\u0165. V nehnute\u013enostiach je mo\u017en\u00e9 b\u00fdva\u0165 alebo ich prenaj\u00edma\u0165 , archivovan\u00e9 v\u00edno je mo\u017en\u00e9 vypi\u0165 alebo \u010falej preda\u0165. Nev\u00fdhodou tak\u00fdchto re\u00e1lnych akt\u00edv je ich ni\u017e\u0161ia likvidita, to znamen\u00e1 ni\u017e\u0161iu r\u00fdchlos\u0165 ich premenlivosti na peniaze. Re\u00e1lne invest\u00edcie s\u00fa podnikanie, nehnute\u013enosti, vz\u00e1cne predmety, hnute\u013enosti a pod.<\/p>\n<h2>Finan\u010dn\u00e9 invest\u00edcie<\/h2>\n<p>Medzi finan\u010dn\u00e9 invest\u00edcie patria napr\u00edklad vklady do pe\u0148a\u017en\u00fdch vkladov, \u017eivotn\u00e9ho \u010di d\u00f4chodkov\u00e9ho poistenia do cenn\u00fdch papierov. V pr\u00edpade verite\u013eov ide o finan\u010dn\u00fd kapit\u00e1l z\u00edskan\u00fd predajom cenn\u00fdch papierov a \u010do sa t\u00fdka investorov, t\u00ed ich nakupuj\u00fa kv\u00f4li v\u00fdnosu. Pri cenn\u00fdch papieroch, ktor\u00e9 predstavuj\u00fa n\u00e1rok ich majite\u013ea na po\u017ei\u010dan\u00fa sumu, t\u00e1to suma predstavuje investovan\u00fa sumu finan\u010dn\u00fdch prostriedkov, je to v\u0161ak aj n\u00e1rok majite\u013ea aj na dividendu, \u00farok a in\u00fd kapit\u00e1lov\u00fd v\u00fdnos.<br \/>\nNa finan\u010dnom trhu sa predaj a n\u00e1kup cenn\u00fdch papierov uskuto\u010d\u0148uje prostredn\u00edctvom finan\u010dn\u00fdch sprostredkovate\u013eov, ktor\u00fdmi s\u00fa naj\u010dastej\u0161ie investi\u010dn\u00e9 spolo\u010dnosti, banky a obchodn\u00edci s cenn\u00fdmi papiermi. <a href=\"https:\/\/www.euroekonom.sk\/financie\/financne-investovanie\/financne-investovanie-a-financne-investicie\/\">Finan\u010dn\u00e9 invest\u00edcie<\/a> s\u00fa dlhopisy, pe\u0148a\u017en\u00e9 vklady.<\/p>\n<h2>Invest\u00edcie do finan\u010dn\u00e9ho majetku<\/h2>\n<p>Na finan\u010dnom trhu zabezpe\u010duj\u00fa spolo\u010dnostiam kapit\u00e1l a \u010fal\u0161ie rozv\u00edjanie finan\u010dn\u00e9 invest\u00edcie do r\u00f4znych in\u0161trumentov. Ako sme u\u017e spom\u00ednali v predo\u0161l\u00fdch \u010dastiach tejto pr\u00e1ce, cenn\u00e9 papiere tvoria najv\u00e4\u010d\u0161iu \u010das\u0165 finan\u010dn\u00fdch, ale nehmotn\u00fdch invest\u00edci\u00ed hlavne z h\u013eadiska frekvencie a objemu vyu\u017eitia.<br \/>\nPre lep\u0161ie pochopenie sme sa rozhodli bli\u017e\u0161ie sa zaobera\u0165 z\u00e1kladn\u00fdmi finan\u010dn\u00fdmi in\u0161trumentmi, medzi ktor\u00e9 patria akcie, dlhopisy a finan\u010dn\u00e9 deriv\u00e1ty.<\/p>\n<h2>Dlhopisy<\/h2>\n<p>Ako sme u\u017e v predch\u00e1dzaj\u00facej \u010dasti uviedli <a href=\"https:\/\/www.euroekonom.sk\/dlhodoby-a-kratkodoby-majetok-podniku\/\">dlhopisy s\u00fa cenn\u00e9 papiere<\/a>, ktor\u00e9 vyd\u00e1vaj\u00fa vl\u00e1dy, podniky, verejn\u00e9 in\u0161tit\u00facie, mest\u00e1, obce alebo medzin\u00e1rodn\u00e9 in\u0161tit\u00facie, aby z\u00edskali kapit\u00e1l od investorov. Dlhopis vyjadruje dl\u017en\u00edcky z\u00e1v\u00e4zok emitenta vo\u010di verite\u013eom, je to dlhov\u00fd alebo \u00faverov\u00fd cenn\u00fd papier. Z\u00e1kladnou charakteristikou je, \u017ee maj\u00fa svoju dobu splatnosti a s\u00fa vyd\u00e1van\u00e9 a\u017e na v\u00fdnimku na dobu ur\u010dit\u00fa.<br \/>\nDlhopismi sa zaober\u00e1 aj Z\u00e1kon \u010d. 530\/1990 Z. z. o dlhopisoch v znen\u00ed neskor\u0161\u00edch predpisov, tento z\u00e1kon definuje dlhopis ako \u201e<em>cenn\u00fd papier, s ktor\u00fdm je spojen\u00e9 pr\u00e1vo majite\u013ea po\u017eadova\u0165 spl\u00e1canie dl\u017enej sumy v menovitej hodnote a vypl\u00e1canie v\u00fdnosov z nej k ur\u010dit\u00e9mu d\u00e1tumu a povinnos\u0165 osoby opr\u00e1vnenej vyd\u00e1va\u0165 dlhopisy (emitenta) tieto z\u00e1v\u00e4zky splni\u0165<\/em>.\u201c<br \/>\nInvestori ich nakupuj\u00fa, lebo s ich dr\u017ebou je spojen\u00e1 pravideln\u00e1 v\u00fdplata takzvan\u00e9ho kup\u00f3nu, \u010do je \u00farok z po\u017ei\u010danej sumy. V dobe splatnosti je dlhopis investorovi splaten\u00fd vo v\u00fd\u0161ke menovitej hodnoty, je to mo\u017en\u00e9 jednorazovo alebo v spl\u00e1tkach. Dlhopisy maj\u00fa svoju:<\/p>\n<ul>\n<li>trhov\u00fa hodnotu, \u010do je stanoven\u00e1 cena na burze, dlhopisy maj\u00fa aj<\/li>\n<li>menovit\u00fa hodnotu, hodnota, ktor\u00fa investor dostane v de\u0148 splatnosti dlhopisu<\/li>\n<li>emisn\u00fd kurz a to je cena, za ktor\u00fa je dlhopis pri jeho vydan\u00ed emitentom pred\u00e1van\u00fd investorom.<\/li>\n<\/ul>\n<p>Dlhopisy sa pou\u017e\u00edvaj\u00fa vo viacer\u00fdch podob\u00e1ch ako:<\/p>\n<ul>\n<li>vkladov\u00e9 listy vyd\u00e1van\u00e9 bankami ako potvrdenie o vklade, maj\u00fa dobu splatnosti od 1 mesiaca do nieko\u013eko rokov, v\u00fdnos \u00farokov\u00fd je u nich vy\u0161\u0161\u00ed ako pri term\u00ednovan\u00fdch,<\/li>\n<li>vo forme oblig\u00e1cie, kde je doba splatnosti 5 a viac rokov,<\/li>\n<li>ako hypotek\u00e1rne z\u00e1lo\u017en\u00e9 listy, ktor\u00e9 patria medzi najbezpe\u010dnej\u0161ie cenn\u00e9 papiere, vyd\u00e1va ich hypotek\u00e1rna banka a poskytuj\u00fa sa hypotek\u00e1rne \u00favery. Tak\u00e9to poh\u013ead\u00e1vky s\u00fa zabezpe\u010den\u00e9 z\u00e1stavn\u00fdm pr\u00e1vom k nehnute\u013enostiam. Vydan\u00e9 na 5 ako aj viac rokov.<\/li>\n<\/ul>\n<h2>Rating a ratingov\u00e9 hodnotenie pri dlhopisoch<\/h2>\n<p>Rating m\u00f4\u017eeme charakterizova\u0165 ako nez\u00e1visl\u00fd poh\u013ead na finan\u010dn\u00e9 zdravie spolo\u010dnosti, s vysoko odborn\u00fdm n\u00e1zorom na finan\u010dn\u00fa stabilitu dl\u017en\u00edka a na riziko. Rating sa vyu\u017e\u00edva ako najd\u00f4le\u017eitej\u0161\u00ed ukazovate\u013e pri dlhopisoch. Je to sign\u00e1l d\u00f4veryhodnosti emitenta dlhopisu. Ten vyjadruje hodnotenie \u00faverovej bonity dlhopisov\u00fdch emitentov.<br \/>\nPozn\u00e1me viacero druhov ratingov:<\/p>\n<ul>\n<li>rating \u0161t\u00e1tov,<\/li>\n<li>rating finan\u010dn\u00fdch in\u0161tit\u00faci\u00ed,<\/li>\n<li>rating subjektov bankov\u00e9ho sektora,<\/li>\n<li>rating ostatn\u00fdch finan\u010dn\u00fdch in\u0161tit\u00faci\u00ed,<\/li>\n<li>rating priemyseln\u00fdch subjektov,<\/li>\n<li>rating pois\u0165ovacieho sektora,<\/li>\n<li>rating nefinan\u010dn\u00fdch in\u0161tit\u00faci\u00ed,<\/li>\n<li>rating subjektov,<\/li>\n<li>rating subjektov slu\u017eieb,<\/li>\n<li>rating miest a obc\u00ed,<\/li>\n<li>rating projektov,<\/li>\n<li>rating emisi\u00ed.<\/li>\n<\/ul>\n<p>Ratingov\u00e9 hodnotenie vytv\u00e1raj\u00fa ratingov\u00e9 agent\u00fary, ich \u00falohou je poskytova\u0165 \u00fa\u010dastn\u00edkom transakci\u00ed na finan\u010dn\u00e9mu a kapit\u00e1lovom trhu r\u00f4zne druhy finan\u010dn\u00fdch, ako aj nefinan\u010dn\u00fdch anal\u00fdz a kategoriz\u00e1ci\u00ed riz\u00edk. Rating spolo\u010dnosti sa d\u00e1 op\u00edsa\u0165 vyjadren\u00edm n\u00e1zoru na finan\u010dn\u00fa stabilitu a silu dl\u017en\u00edka, jeho d\u00f4veryhodnos\u0165 a kredibilitu z h\u013eadiska schopnosti spl\u00e1ca\u0165 svoje bud\u00face z\u00e1v\u00e4zky. Rating vyjadruje mienku o schopnosti pripravenosti a ochote dl\u017en\u00edka spl\u00e1ca\u0165 svoje z\u00e1v\u00e4zky v de\u0148 splatnosti.<br \/>\nHodnotenie ratingu jednotliv\u00fdch agent\u00far sa tro\u0161ku del\u00ed. K\u00f3dy ratingu s\u00fa ozna\u010den\u00e9 predov\u0161etk\u00fdm p\u00edsmenami abecedy, pod\u013ea postupnosti A je hodnotenie najlep\u0161ie a rating kon\u010d\u00ed p\u00edsmenom D, \u010do predstavuje najni\u017e\u0161ie hodnotenie. Ako si m\u00f4\u017eeme pozrie\u0165 na tabu\u013eke 1, m\u00e1me tam rozdelenie ratingov\u00fdch stupn\u00edc z jednotliv\u00fdch ratingov\u00fdch agent\u00far. Riziko v uvedenej tabu\u013eke je rozdelen\u00e9 do dvoch stup\u0148ov, investi\u010dn\u00e9ho a \u0161pekulat\u00edvneho, ktor\u00e9 je vysoko rizikov\u00e9, av\u0161ak pon\u00faka nadpriemern\u00fd ziskov\u00fd potenci\u00e1l.<br \/>\nNielen ka\u017ed\u00e1 agent\u00fara m\u00e1 svoje hodnotenie, ale dokonca sa odli\u0161uj\u00fa aj v rozdelen\u00ed \u010dasov\u00e9ho horizontu, rating sa rozde\u013euje na kr\u00e1tkodob\u00fd a dlhodob\u00fd.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Finan\u010dn\u00e9 invest\u00edcie s\u00fa takzvan\u00e9 finan\u010dn\u00e9 prostriedky po pou\u017eit\u00ed, \u010di\u017ee finan\u010dn\u00e9 prostriedky nadob\u00fadaj\u00face formu invest\u00edci\u00ed. Invest\u00edcie m\u00f4\u017eeme op\u00edsa\u0165 ako tok v\u00fddavkov, ktor\u00fd zvy\u0161uje kapit\u00e1lov\u00fa z\u00e1sobu. V\u00fdsledkom &hellip; <\/p>\n","protected":false},"author":9,"featured_media":24737,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[150,551],"tags":[149,53],"class_list":["post-10420","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investovanie","category-podnikam","tag-investicie","tag-peniaze"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Finan\u010dn\u00e9 invest\u00edcie<\/title>\n<meta name=\"description\" content=\"\u010clenenie invest\u00edci\u00ed, hrub\u00e9, \u010dist\u00e9, re\u00e1lne a finan\u010dn\u00e9 invest\u00edcie. Invest\u00edcie do finan\u010dn\u00e9ho majetku. 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