{"id":10791,"date":"2023-03-11T03:49:31","date_gmt":"2023-03-11T02:49:31","guid":{"rendered":"https:\/\/www.euroekonom.sk\/?p=10791"},"modified":"2024-05-13T14:57:38","modified_gmt":"2024-05-13T12:57:38","slug":"vplyv-faktorov-ekonomickeho-prostredia-na-nakupne-spravanie","status":"publish","type":"post","link":"https:\/\/www.vrtulniky.sk\/news\/vplyv-faktorov-ekonomickeho-prostredia-na-nakupne-spravanie\/","title":{"rendered":"Vplyv faktorov ekonomick\u00e9ho prostredia na n\u00e1kupn\u00e9 spr\u00e1vanie"},"content":{"rendered":"<p>Ekonomick\u00e1 situ\u00e1cia krajiny determinuje \u017eivotn\u00fa \u00farove\u0148 jej obyvate\u013eov, ich k\u00fapnu silu, ovplyv\u0148uje ich soci\u00e1lne spr\u00e1vanie a v r\u00e1mci neho aj n\u00e1kupn\u00e9 spr\u00e1vanie. Ekonomiku krajiny a jej tendencie teda mo\u017eno pova\u017eova\u0165 za faktor, ktor\u00fd ovplyv\u0148uje k\u00fapyschopnos\u0165 dopytu a \u0161trukt\u00faru spotreby. V tejto pr\u00e1ci sa zaober\u00e1me vybran\u00fdmi ekonomick\u00fdmi javmi, ktor\u00e9 ovplyv\u0148uj\u00fa n\u00e1kupn\u00e9 spr\u00e1vanie spotrebite\u013eov, a to:<\/p>\n<ul>\n<li>f\u00e1zy ekonomick\u00e9ho cyklu<\/li>\n<li>v\u00fd\u0161ka disponibiln\u00fdch d\u00f4chodkov<\/li>\n<li>zmeny cenovej hladiny \u2013 infl\u00e1cia a defl\u00e1cia<\/li>\n<li>miera nezamestnanosti<\/li>\n<li>\u00faverov\u00e9 podmienky<\/li>\n<li>fi\u0161k\u00e1lna politika<\/li>\n<li>re\u00e1lny menov\u00fd kurz<\/li>\n<\/ul>\n<h2>F\u00e1zy ekonomick\u00e9ho cyklu a ich vplyv na spotrebu<\/h2>\n<p>Lis\u00fd a kol. (2007, s.396) charakterizuje ekonomick\u00fd cyklus ako \u201estriedanie vzostupn\u00fdch a zostupn\u00fdch f\u00e1z v\u00fdvoja ekonomiky okolo dlhodob\u00e9ho v\u00fdvojov\u00e9ho trendu ekonomiky, ktor\u00fdm je dlhodob\u00fd v\u00fdvoj potenci\u00e1lneho produktu.\u201c Autor z\u00e1rove\u0148 \u010dlen\u00ed <a href=\"https:\/\/www.euroekonom.sk\/ekonomika\/hospodarska-kriza\/\">ekonomick\u00fd cyklus na 4 f\u00e1zy<\/a>, z ktor\u00fdch recesiu (kontrakciu) a expenziu zara\u010fuje medzi z\u00e1kladn\u00e9 f\u00e1zy, dno a vrchol medzi ohrani\u010duj\u00face f\u00e1zy ekonomick\u00e9ho cyklu.<\/p>\n<ul>\n<li><strong>F\u00e1zu recesie<\/strong> charakterizuje spomalenie rastu HDP a pokles re\u00e1lneho HDP pod \u00farove\u0148 potenci\u00e1lneho produktu. N\u00e1zory ekon\u00f3mov sa zhoduj\u00fa v tom, \u017ee o recesii mo\u017eno hovori\u0165 v pr\u00edpade, ak re\u00e1lny produkt kles\u00e1 minim\u00e1lne dva \u0161tvr\u0165roky id\u00face po sebe. Vo f\u00e1ze recesie hovor\u00edme o prudkom n\u00e1raste nezamestnanosti a zni\u017eovan\u00ed d\u00f4chodkov, \u010do vedie k zn\u00ed\u017eeniu agreg\u00e1tneho dopytu, najm\u00e4 po produktoch dlhodobej spotreby. Doch\u00e1dza k zni\u017eovaniu dopytu po \u00faveroch a k poklesu \u00farokovej miery.<\/li>\n<li><strong>Dno<\/strong> sa vyzna\u010duje najni\u017e\u0161ou \u00farov\u0148ou re\u00e1lneho produktu, najvy\u0161\u0161ou \u00farov\u0148ou nezamestnanosti a teda aj spotrebite\u013esk\u00e9ho dopytu. Predstavuje koniec f\u00e1zy recesie a za\u010diatok rozmachu ekonomiky.<\/li>\n<li><strong>F\u00e1za expanzie<\/strong> je charakteristick\u00e1 zr\u00fdchlen\u00edm rastu re\u00e1lneho HDP a rastom HDP nad \u00farove\u0148 potenci\u00e1lneho produktu. Pokia\u013e hovor\u00edme o dosahu tejto f\u00e1zy ekonomick\u00e9ho cyklu na n\u00e1kupn\u00e9 spr\u00e1vanie spotrebite\u013eov, mo\u017eno tvrdi\u0165, \u017ee vplyvom expanzie doch\u00e1dza k zvy\u0161ovaniu d\u00f4chodkov obyvate\u013estva, ktor\u00e9 je predpokladom pre zvy\u0161ovanie spotrebite\u013esk\u00e9ho dopytu, predov\u0161etk\u00fdm po produktoch dlhodobej spotreby.<\/li>\n<li><strong>Vrchol<\/strong> sa vyzna\u010duje najvy\u0161\u0161ou \u00farov\u0148ou re\u00e1lneho HDP, rastom dopytu, ktor\u00fd sa premieta do n\u00e1rastu cenovej hladiny, ktor\u00e1 je pr\u00edznakom n\u00e1stupu recesie.<\/li>\n<\/ul>\n<h2>V\u00fd\u0161ka disponibiln\u00fdch d\u00f4chodkov<\/h2>\n<p>K\u00fapnu silu a n\u00e1kupn\u00e9 spr\u00e1vanie obyvate\u013estva ovplyv\u0148uje v najv\u00e4\u010d\u0161ej miere pr\u00e1ve v\u00fd\u0161ka disponibiln\u00fdch d\u00f4chodkov, ktor\u00e1 z\u00e1vis\u00ed predov\u0161etk\u00fdm od v\u00fd\u0161ky priemernej mzdy, v\u00fd\u0161ky minim\u00e1lnej mzdy, sumy \u017eivotn\u00e9ho mimina a \u0161t\u00e1tnych soci\u00e1lnych d\u00e1vok. V\u00fd\u0161ka pr\u00edjmov je faktorom, ktor\u00fd ovplyv\u0148uje percentu\u00e1lne zast\u00fapenie v\u00fddavkov na jednotliv\u00e9 polo\u017eky a tie\u017e v\u00fd\u0161ku \u00faspor. \u010c\u00edm s\u00fa disponibiln\u00e9 d\u00f4chodky vy\u0161\u0161ie, t\u00fdm viac kles\u00e1 percentu\u00e1lny podiel v\u00fddavkov na stravu a st\u00fapa podiel v\u00fddavkov na polo\u017eky, ak\u00fdmi s\u00fa napr\u00edklad oble\u010denie, elektronika alebo cestovanie. Z\u00e1rove\u0148 doch\u00e1dza s rastom disponibiln\u00fdch d\u00f4chodkov aj k zv\u00fd\u0161eniu percentu\u00e1lneho podielu vkladu do \u00faspor. Na druhej strane, \u010d\u00edm s\u00fa disponibiln\u00e9 d\u00f4chodky ni\u017e\u0161ie, t\u00fdm je percentu\u00e1lny podiel v\u00fddavkov na stravu a b\u00fdvanie vy\u0161\u0161\u00ed. V pr\u00edpade ve\u013emi n\u00edzkych d\u00f4chodkov je percentu\u00e1lny podiel v\u00fddavkov na ostatn\u00e9 polo\u017eky takmer zanedbate\u013en\u00fd, preto\u017ee spotrebite\u013e nem\u00e1 prostriedky na ich k\u00fapu.<\/p>\n<h2>Zmeny cenovej hladiny \u2013 infl\u00e1cia a defl\u00e1cia<\/h2>\n<p><strong>Infl\u00e1ciu<\/strong> mo\u017eno vymedzi\u0165 ako \u201eproces trval\u00e9ho rastu cenovej hladiny, ktor\u00fd je spojen\u00fd s nadmernou emisiou pe\u0148az\u00ed.\u201c (\u010cernohorsk\u00fd, 2011, s.85) Za prejav infl\u00e1cie pova\u017eujeme zni\u017eovanie mno\u017estva produktov, ktor\u00e9 si z\u00e1kazn\u00edk m\u00f4\u017ee k\u00fapi\u0165 za jednu pe\u0148a\u017en\u00fa jednotku.<br \/>\nInfl\u00e1cia v najv\u00e4\u010d\u0161om rozsahu postihuje soci\u00e1lne najslab\u0161ie vrstvy obyvate\u013eov. Pri infl\u00e1ci\u00ed je <a href=\"https:\/\/www.euroekonom.sk\/ekonomika\/vseobecna-ekonomicka-teoria\/inflacia\/\">rast cenovej hladiny tovarov a slu\u017eieb<\/a> r\u00fdchlej\u0161\u00ed ako rast nomin\u00e1lnych miezd, a preto s\u00fa infl\u00e1ciou ovplyv\u0148ovan\u00e9 v\u0161etky fixn\u00e9 d\u00f4chodky, mzdy i platy obyvate\u013estva. Vplyvom infla\u010dn\u00e9ho rastu cien teda prich\u00e1dza k zni\u017eovaniu k\u00fapyschopnosti spotrebite\u013eov. Infl\u00e1cia m\u00e1 rovnako dosah na zmenu \u0161trukt\u00fary spotreby obyvate\u013estva. V pr\u00edpade, ak d\u00f4jde k rastu cien z\u00e1kladn\u00fdch potrieb, zn\u00ed\u017ei sa suma d\u00f4chodkov na n\u00e1kup ostatn\u00fdch produktov. Infl\u00e1cia je podnetom pre obavy z \u010fal\u0161ieho rastu cien, preto sa zni\u017euje tendencia spotrebite\u013eov k \u00faspor\u00e1m. (Lis\u00fd, 2007, s.465) V pr\u00edpade vysokej hladiny infl\u00e1cie maj\u00fa spotrebitelia sklon k nakupovaniu produktov na spl\u00e1tky a k celkov\u00e9mu zadl\u017eovaniu sa, preto\u017ee d\u00f4sledkom infl\u00e1cie je, \u017ee zv\u00fdhod\u0148ovan\u00ed s\u00fa dl\u017en\u00edci a majitelia tovaru.<br \/>\nOpakom infl\u00e1cie je <strong>defl\u00e1cia<\/strong>. Tak\u017ee ak v pr\u00edpade infl\u00e1cie hovor\u00edme o raste celkovej cenovej hladiny, v pr\u00edpade defl\u00e1cie hovor\u00edme o jej poklese. Reakciou na defl\u00e1ciu zo strany spotrebite\u013eov &#8211; dom\u00e1cnost\u00ed je snaha zni\u017eova\u0165 spotrebu a viac spori\u0165, a to v d\u00f4sledku o\u010dak\u00e1vania poklesu cien v nasleduj\u00facom obdob\u00ed. D\u00f4sledkom defl\u00e1cie je v\u017edy pokles spotrebite\u013esk\u00e9ho dopytu, \u010do m\u00f4\u017ee podniky vies\u0165 k snahe zni\u017eova\u0165 n\u00e1klady prostredn\u00edctvom zni\u017eovania miezd alebo po\u010dtu zamestnancov. (\u010cernohorsk\u00fd, 2011, s.94)<\/p>\n<h2>Miera nezamestnanosti<\/h2>\n<p>Nezamestnanos\u0165 je v s\u00fa\u010dasnej trhovej ekonomike v\u00e1\u017enym probl\u00e9mom, ktor\u00fd m\u00e1 okrem ekonomick\u00fdch d\u00f4sledkov aj d\u00f4sledky psychosoci\u00e1lne. Nezamestnanos\u0165 sa sp\u00e1ja v\u00fdlu\u010dne s obyvate\u013estvom v produkt\u00edvnom veku, kam mo\u017eno v s\u00fa\u010dasnosti na Slovensku zaradi\u0165 obyvate\u013eov vo veku od 15 do 62 rokov. Jure\u010dka a kol. (2010, s.135) \u010dlen\u00ed skupinu obyvate\u013estva v produkt\u00edvnom veku na tri kateg\u00f3rie, a to na zamestnan\u00fdch a nezamestnan\u00fdch, ktor\u00ed spolo\u010dne tvoria ekonomicky akt\u00edvne obyvate\u013estvo, tretiu kateg\u00f3riu tvor\u00ed ekonomicky neakt\u00edvne obyvate\u013estvo. Skupinu nezamestnan\u00fdch tvoria obyvatelia, ktor\u00ed nemaj\u00fa zamestnanie, pri\u010dom si ho akt\u00edvne h\u013eadaj\u00fa a s\u00fa evidovan\u00ed ako nezamestnan\u00ed na \u00farade pr\u00e1ce. Pre vyjadrenie v\u00fdvoja na trhu pr\u00e1ce sa naj\u010dastej\u0161ie vyu\u017e\u00edva ukazovate\u013e miera nezamestnanosti, ktor\u00fa mo\u017eno pod\u013ea Lis\u00e9ho a kol. (2007, s.435) vypo\u010d\u00edta\u0165 ako podiel po\u010dtu nezamestnan\u00fdch k po\u010dtu pracovn\u00fdch s\u00edl. Vyjadruje sa v percent\u00e1ch.<br \/>\n<a href=\"https:\/\/www.euroekonom.sk\/ekonomika\/vseobecna-ekonomicka-teoria\/nezamestnanost\/\">Rast nezamestnanosti<\/a> sa odr\u00e1\u017ea v poklese k\u00fapyschopn\u00e9ho dopytu a v zmene percentu\u00e1lneho zast\u00fapenia v\u00fddavkov. Ako sme u\u017e v predch\u00e1dzaj\u00facom texte spom\u00ednali, \u010d\u00edm je vy\u0161\u0161ia nezamestnanos\u0165 a disponibiln\u00e9 pr\u00edjmy ni\u017e\u0161ie, t\u00fdm je percentu\u00e1lny podiel v\u00fddavkov na stravu a b\u00fdvanie vy\u0161\u0161\u00ed a percentu\u00e1lny podiel v\u00fddavkov na ostatn\u00e9 polo\u017eky, najm\u00e4 polo\u017eky dlhodobej spotreby ni\u017e\u0161\u00ed, \u010do mo\u017eno od\u00f4vodni\u0165 t\u00fdm, \u017ee obyvate\u013estvo m\u00e1 nem\u00e1 dostatok prostriedkov na n\u00e1kup polo\u017eiek dlhodobej spotreby.<\/p>\n<h2>\u00daverov\u00e9 podmienky<\/h2>\n<p>Dostupnos\u0165 \u00faverov pre spotrebite\u013eov, a t\u00fdm aj celkov\u00fd objem ich spotreby sa odv\u00edja od ponuky pe\u0148az\u00ed a v\u00fd\u0161ky \u00farokovej miery. V pr\u00edpade vy\u0161\u0161ej ponuky pe\u0148az\u00ed a zni\u017eovania \u00farokovej sadzby sa \u00faverov\u00e9 podmienky pre spotrebite\u013eov zlep\u0161uj\u00fa. V tomto pr\u00edpade mo\u017eno hovori\u0165 o <strong><a href=\"https:\/\/www.euroekonom.sk\/ekonomika\/narodne-hospodarstvo\/monetarna-politika\/\">expanz\u00edvnej monet\u00e1rnej politike<\/a><\/strong>, ktor\u00fa centr\u00e1lna banka uplat\u0148uje v pr\u00edpade hrozby recesie. Dostupn\u00e9 bankov\u00e9 \u00favery podnecuj\u00fa u spotrebite\u013eov rast v\u00fddavkov na n\u00e1kup polo\u017eiek dlhodobej spotreby. Ak ekonomick\u00e9 prostredie vyvol\u00e1va infl\u00e1ciu, centr\u00e1lna banka vyv\u00edja snahu s\u0165a\u017ei\u0165 pr\u00edstup k peniazom prostredn\u00edctvom <strong>re\u0161trikt\u00edvnej monet\u00e1rnej politiky<\/strong>. Prostredn\u00edctvom r\u00f4znych n\u00e1strojov podnieti centr\u00e1lna banka pokles pe\u0148a\u017enej z\u00e1soby a zvy\u0161ovanie \u00farokov\u00fdch mier z \u00faverov pre spotrebite\u013eov, \u010do vyvol\u00e1 zastavenie rastu agreg\u00e1tneho dopytu. V d\u00f4sledku drah\u0161\u00edch \u00faverov a ich \u0165a\u017e\u0161ej dostupnosti spotrebitelia zni\u017euj\u00fa v\u00fddavky na n\u00e1kup produktov dlhodobej spotreby. (Lis\u00fd, 2007, s.498-499)<\/p>\n<h2>Vplyv fi\u0161k\u00e1lnej politiky na spotrebn\u00e9 v\u00fddavky<\/h2>\n<p>Pokia\u013e hovor\u00edme o vplyve fi\u0161k\u00e1lnej politiky na spotrebn\u00e9 v\u00fddavky, je mo\u017en\u00e9 tvrdi\u0165, \u017ee fi\u0161k\u00e1lna politika sleduje v tejto s\u00favislosti dva z\u00e1kladn\u00e9 ciele, a to podporu alebo obmedzenie rastu agreg\u00e1tneho dopytu. <strong>Fi\u0161k\u00e1lnou expanziou<\/strong> \u0161t\u00e1t sleduje rast agreg\u00e1tneho dopytu, ktor\u00fd mo\u017eno dosiahnu\u0165 jednak n\u00e1rastom vl\u00e1dnych a investi\u010dn\u00fdch v\u00fddavkov, ale tie\u017e zn\u00ed\u017een\u00edm dan\u00ed z pr\u00edjmov. Vplyvom zn\u00ed\u017eenia da\u0148ov\u00e9ho za\u0165a\u017eenia doch\u00e1dza k zv\u00fd\u0161eniu disponibiln\u00fdch d\u00f4chodkov a k zvy\u0161ovaniu spotrebn\u00fdch v\u00fddavkov, ktor\u00e9 s\u00fa s\u00fa\u010das\u0165ou agreg\u00e1tneho dopytu. <strong>Fi\u0161k\u00e1lnou re\u0161trikciou<\/strong> sa sleduje opa\u010dn\u00fd cie\u013e, a to obmedzenie rastu alebo zn\u00ed\u017eenie agreg\u00e1tneho dopytu, \u010d\u00edm doch\u00e1dza k zn\u00ed\u017eeniu v\u00fddavkov spotrebite\u013eov na n\u00e1kup spotrebn\u00fdch produktov. Pri fi\u0161k\u00e1lnej re\u0161trikcii \u0161t\u00e1t obmedzuje vl\u00e1dne v\u00fddavky a zvy\u0161uje dane z pr\u00edjmov. (Lis\u00fd, 2007, s.492-493)<\/p>\n<h2>Re\u00e1lny menov\u00fd kurz<\/h2>\n<p>Re\u00e1lny <a href=\"https:\/\/www.euroekonom.sk\/aktuality\/kurzy-eur-cudzia-mena\/\">menov\u00fd kurz<\/a> d\u00e1va odpove\u010f na ot\u00e1zku, \u010di s\u00fa dom\u00e1ce tovary lacnej\u0161ie alebo drah\u0161ie oproti tovarom zahrani\u010dn\u00fdm. Re\u00e1lny menov\u00fd kurz \u201epredstavuje pomer dom\u00e1cich cien k zahrani\u010dn\u00fdm cen\u00e1m meran\u00fd v tej istej mene.\u201c (Lis\u00fd, 2007, s.565) V pr\u00edpade vysok\u00e9ho re\u00e1lneho menov\u00e9ho kurzu spotrebitelia na dom\u00e1com trhu nakupuj\u00fa vo v\u00e4\u010d\u0161ej miere produkty dov\u00e1\u017ean\u00e9 zo zahrani\u010dia. Mo\u017eno to od\u00f4vodni\u0165 skuto\u010dnos\u0165ou, \u017ee zahrani\u010dn\u00e9 tovary s\u00fa v porovnan\u00ed s dom\u00e1cimi pre dom\u00e1ceho spotrebite\u013ea lacnej\u0161ie. Ak je re\u00e1lny menov\u00fd kurz n\u00edzky, dom\u00e1ci spotrebitelia bud\u00fa uprednost\u0148ova\u0165 n\u00e1kup dom\u00e1cich produktov pred n\u00e1kupom dov\u00e1\u017ean\u00fdch produktov. Zahrani\u010dn\u00e9 tovary sa pri n\u00edzkom re\u00e1lnom menovom kurze st\u00e1vaj\u00fa pre dom\u00e1cich spotrebite\u013eov drah\u0161ie v porovnan\u00ed s tovarmi vyr\u00e1ban\u00fdmi v dom\u00e1cej ekonomike.<\/p>\n<h2>Zoznam pou\u017eitej literat\u00fary<\/h2>\n<p>Knihy\/Monografie:<\/p>\n<ol>\n<li>\u010cernohorsk\u00fd, J. \u2013 Tepl\u00fd, P. 2011. Z\u00e1klady financ\u00ed. Praha: Grada Publishing, 2011. 304s. ISBN 978-80-247-3669-3<\/li>\n<li>Holman, R. 2011. Ekonomie. 5.vydanie. Praha: C.H. Beck, 2011. 691s. ISBN 978-80-7400-006-5<\/li>\n<li>Jure\u010dka, V. a kol. 2010. Makroekonomie. Praha: Grada Publishing, 2010. 336s. ISBN 978-80-247-3258-9<\/li>\n<li>Lis\u00fd, J. a kol. 2007. Ekon\u00f3mia v novej ekonomike. 2. vydanie. Bratislava: Iura Edition, 2007. 634s. ISBN 978-80-8078-164-4<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"<p>Ekonomick\u00e1 situ\u00e1cia krajiny determinuje \u017eivotn\u00fa \u00farove\u0148 jej obyvate\u013eov, ich k\u00fapnu silu, ovplyv\u0148uje ich soci\u00e1lne spr\u00e1vanie a v r\u00e1mci neho aj n\u00e1kupn\u00e9 spr\u00e1vanie. Ekonomiku krajiny a &hellip; <\/p>\n","protected":false},"author":21,"featured_media":25280,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[128,553],"tags":[59],"class_list":["post-10791","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomia","category-vzdelavam-sa","tag-ekonomika"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Vplyv faktorov ekonomick\u00e9ho prostredia na n\u00e1kupn\u00e9 spr\u00e1vanie<\/title>\n<meta name=\"description\" content=\"Ako na n\u00e1kupn\u00e9 spr\u00e1vanie vpl\u00fdva v\u00fd\u0161ka d\u00f4chodkov, infl\u00e1cia, nezamestnanos\u0165, \u00faverov\u00e9 podmienky, fi\u0161k\u00e1lna politika a menov\u00fd kurz.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" 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