{"id":9433,"date":"2023-01-21T10:26:43","date_gmt":"2023-01-21T09:26:43","guid":{"rendered":"https:\/\/www.euroekonom.sk\/?p=9433"},"modified":"2024-05-13T14:58:02","modified_gmt":"2024-05-13T12:58:02","slug":"clenenie-financii","status":"publish","type":"post","link":"https:\/\/www.vrtulniky.sk\/news\/clenenie-financii\/","title":{"rendered":"\u010clenenie financi\u00ed"},"content":{"rendered":"<p>Najroz\u0161\u00edrenej\u0161ie je \u010dlenenie financi\u00ed pod\u013ea ekonomick\u00fdch sektorov:<\/p>\n<ol>\n<li>Podnikov\u00fd sektor<\/li>\n<li>Verejn\u00fd sektor<\/li>\n<li>Sektor bankovn\u00edctva<\/li>\n<li>Sektor pois\u0165ovn\u00edctva<\/li>\n<li>Zahrani\u010dno-ekonomick\u00fd sektor<\/li>\n<li>Sektor obyvate\u013estva<\/li>\n<\/ol>\n<h2>Podnikov\u00fd sektor<\/h2>\n<p>Podnikov\u00fd sektor zah\u0155\u0148a \u0161irok\u00fa paletu pr\u00e1vnick\u00fdch os\u00f4b, a to od mal\u00fdch cez stredn\u00e9 podniky a\u017e po mohutn\u00e9 korpor\u00e1cie. Je pre\u0148 charakteristick\u00e9, \u017ee produkuje tovary, ktor\u00e9 pred\u00e1va s cie\u013eom dosiahnu\u0165 zisk. S\u00fahrn pe\u0148a\u017en\u00fdch oper\u00e1ci\u00ed, prostredn\u00edctvom ktor\u00fdch sa men\u00ed pe\u0148a\u017en\u00e1 z\u00e1soba v podnikovom sektore predstavuje podnikov\u00e9 financie. Pre oblas\u0165 podnikov\u00fdch financi\u00ed s\u00fa charakteristick\u00e9 tovarovo-pe\u0148a\u017en\u00e9 oper\u00e1cie, ktor\u00e9 vystupuj\u00fa vo forme: tr\u017eieb od obyvate\u013estva a dod\u00e1vate\u013esko-odberate\u013esk\u00fdch pe\u0148a\u017en\u00fdch oper\u00e1ci\u00ed.<br \/>\nV podnikovom sektore existuj\u00fa aj \u010fal\u0161ie druhy pe\u0148a\u017en\u00fdch oper\u00e1ci\u00ed:<\/p>\n<ul>\n<li>fi\u0161k\u00e1lne oper\u00e1cie =&gt;s\u00fastava dan\u00ed, ciel a poplatkov, ktor\u00e9 ekonomick\u00e9 subjekty podnikov\u00e9ho sektora a dot\u00e1cie zo \u0161t\u00e1tneho rozpo\u010dtu do podnikov\u00e9ho sektora.<\/li>\n<li>kreditn\u00e9 oper\u00e1cie =&gt; ke\u010f podniky dost\u00e1vaj\u00fa od komer\u010dn\u00fdch b\u00e1nk \u00favery a spl\u00e1caj\u00fa ich<\/li>\n<li>asekura\u010dn\u00e9 oper\u00e1cie =&gt; platenie pr\u00edspevkov na povinn\u00e9 poistenie, resp. poistenie majetku- komer\u010dn\u00e9 pois\u0165ovne<\/li>\n<li>sekuritn\u00e9 oper\u00e1cie =&gt; pri n\u00e1kupe a predaji cenn\u00fdch papierov<\/li>\n<li>d\u00f4chodkov\u00e9 oper\u00e1cie =&gt; v\u00fdplata miezd a platov svojim zamestnancom, dividend akcion\u00e1rom<\/li>\n<\/ul>\n<p>V\u00fdznamn\u00e9 a rozsiahle pe\u0148a\u017en\u00e9 oper\u00e1cie na finan\u010dnom trhu uskuto\u010d\u0148uj\u00fa osobitn\u00e9 in\u0161tit\u00facie, ktor\u00e9 ozna\u010dujeme pojmom burza. Na burz\u00e1ch sa obchoduje s:<\/p>\n<ul>\n<li>cenn\u00fdmi papiermi, valutami, dev\u00edzami, zlatom, ostatn\u00fdmi drah\u00fdmi kovmi&#8230; pe\u0148a\u017en\u00e9 burzy, drah\u00fdch kovov<\/li>\n<li>s hromadn\u00fdm rovnak\u00fdm druhom tovarov &#8211; kakao, k\u00e1va,&#8230; ide o tovarov\u00e9 burzy<\/li>\n<\/ul>\n<h2>Verejn\u00fd sektor<\/h2>\n<p>Do verejn\u00e9ho sektora v oblasti financi\u00ed patria org\u00e1ny a zlo\u017eky \u0161t\u00e1tnej moci a spr\u00e1vy, ministerstv\u00e1, \u00fastredn\u00e9 \u00farady, arm\u00e1da, pol\u00edcia, s\u00fady, prokurat\u00fara apod. S\u00fahrn v\u0161etk\u00fdch pe\u0148a\u017en\u00fdch oper\u00e1ci\u00ed org\u00e1nov verejn\u00e9ho sektora prostredn\u00edctvom ktor\u00fdch doch\u00e1dza k zmene pe\u0148a\u017enej z\u00e1soby v tomto sektore ozna\u010dujeme s\u00faborne ako verejn\u00e9 financie.<br \/>\nVerejn\u00e9 financie sa \u010dlenia na:<\/p>\n<ol>\n<li>\u0161t\u00e1tny rozpo\u010det<\/li>\n<li>miestne rozpo\u010dty \u00fazemno-spr\u00e1vnych celkov<\/li>\n<li>rozli\u010dn\u00e9 \u00fa\u010delov\u00e9, \u0161t\u00e1tne, region\u00e1lne, komun\u00e1lne fondy.<\/li>\n<\/ol>\n<p>Pre cel\u00fa oblas\u0165 verejn\u00fdch financi\u00ed s\u00fa charakteristick\u00e9 fi\u0161k\u00e1lne pe\u0148a\u017en\u00e9 oper\u00e1cie, ktor\u00e9 sa uplat\u0148uj\u00fa obligat\u00f3rnym sp\u00f4sobom. Kreditn\u00e1 forma pe\u0148a\u017en\u00fdch oper\u00e1ci\u00ed sa uplat\u0148uje iba ako doplnkov\u00e1 \u2013 ide o upisovanie \u0161t\u00e1tnych a region\u00e1lnych p\u00f4\u017ei\u010diek.<br \/>\nPe\u0148a\u017en\u00e9 oper\u00e1cie verejn\u00e9ho sektora sa \u010dlenia takto:<\/p>\n<ol>\n<li>pe\u0148a\u017en\u00e9 pr\u00edjmy jednotliv\u00fdch zlo\u017eiek verejn\u00e9ho sektora \u2013 dane, cl\u00e1, administr. Poplatky<\/li>\n<li>pe\u0148a\u017en\u00e9 v\u00fddavky \u2013 v\u00fddavky investi\u010dn\u00e9, mzdov\u00e9- \u0161kolstvo, zdravotn\u00edctvo, arm\u00e1da, pol\u00edcia<\/li>\n<li>pe\u0148a\u017en\u00e9 oper\u00e1cie vn\u00fatri verejn\u00e9ho sektora \u2013 transferov\u00e9 pe\u0148a\u017en\u00e9 platby<\/li>\n<\/ol>\n<h2>Sektor bankovn\u00edctva<\/h2>\n<p>Sektor bankovn\u00edctva predstavuje rozsiahly s\u00fabor org\u00e1nov a in\u0161tit\u00faci\u00ed bankovo-menovej s\u00fastavy, za\u010d\u00ednaj\u00fac emisnou bankou, pokra\u010duj\u00fac komer\u010dn\u00fdmi bankami. S\u00fahrn pe\u0148a\u017en\u00fdch oper\u00e1ci\u00ed v sektore bankovn\u00edctva ozna\u010dujeme ako financie bankovn\u00edctva. Z\u00e1kladn\u00e9 pe\u0148a\u017en\u00e9 oper\u00e1cie bankov\u00e9ho sektora ovplyv\u0148uj\u00fa jeho pe\u0148a\u017en\u00fa z\u00e1sobu, ktor\u00fa ozna\u010dujeme ako \u00faverov\u00fd fond. Ide o poskytovanie bankov\u00e9ho \u00faveru podnikov\u00e9mu sektoru, p\u00f4\u017ei\u010diek obyvate\u013estvu a o ich spl\u00e1canie. Treba sem zaradi\u0165 aj vkladanie a vyberanie \u00faspor obyvate\u013estva, n\u00e1kup a predaj CP komer\u010dn\u00fdmi bankami.<br \/>\nPe\u0148a\u017en\u00e9 oper\u00e1cie, ktor\u00e9 uskuto\u010d\u0148uj\u00fa komer\u010dn\u00e9 banky, sa daj\u00fa roz\u010dleni\u0165 na dve z\u00e1kladn\u00e9 skupiny:<\/p>\n<ol>\n<li>ke\u010f komer\u010dn\u00e9 banky vystupuj\u00fa ako sprostredkovatelia \u2013 ktor\u00ed uskuto\u010d\u0148uj\u00fa pe\u0148a\u017en\u00e9 oper\u00e1cie za svojich klientov, ide o platobn\u00e9 oper\u00e1cie ako s\u00fa platenie dan\u00ed a poistn\u00e9ho, platby za tovary..<\/li>\n<li>pe\u0148a\u017en\u00e9 oper\u00e1cie, ke\u010f s\u00fa komer\u010dn\u00e9 banky jedn\u00fdm z ekonomick\u00fdch subjektov, ktor\u00fdch sa pr\u00edslu\u0161n\u00e1 pe\u0148a\u017en\u00e1 oper\u00e1cia t\u00fdka \u2013 ide predov\u0161etk\u00fdm o emisn\u00e9 oper\u00e1cie, ale aj d\u00f4chodkov\u00e9 a \u00farokov\u00e9.<\/li>\n<\/ol>\n<p>V sektore bankovn\u00edctva toti\u017e ako v jedinom sektore NH doch\u00e1dza k menov\u00fdm oper\u00e1ci\u00e1m.<\/p>\n<h2>Sektor pois\u0165ovn\u00edctva<\/h2>\n<p>Sektor pois\u0165ovn\u00edctva zah\u0155\u0148a s\u00fabor pois\u0165ovac\u00edch podnikov a in\u0161tit\u00faci\u00ed p\u00f4sobiacich v oblasti soci\u00e1lneho, nemocensk\u00e9ho, zdravotn\u00e9ho a in\u00e9ho poistenia, ktor\u00e9 m\u00f4\u017eu rovnako patri\u0165 do verejn\u00e9ho a s\u00fakromn\u00e9ho sektora. S\u00fahrn pe\u0148a\u017en\u00fdch oper\u00e1ci\u00ed v sektore pois\u0165ovn\u00edctva ozna\u010dujeme pojmom financie pois\u0165ovn\u00edctva.<br \/>\nPe\u0148a\u017en\u00e9 oper\u00e1cie, ktor\u00e9 podniky a in\u0161tit\u00facie v sektore pois\u0165ovn\u00edctva vykon\u00e1vaj\u00fa m\u00f4\u017eeme roz\u010dleni\u0165 na:<\/p>\n<ol>\n<li>pe\u0148a\u017en\u00e9 oper\u00e1cie, ktor\u00e9 s\u00favisia so sf\u00e9rou soci\u00e1lneho poistenia \u2013 nemocensk\u00e9, zdravotn\u00e9 poistenie, poistenie v nezamestnanosti=&gt;t\u00fdka sa verejn\u00fdch pois\u0165ovn\u00ed<\/li>\n<li>ostatn\u00e9 pe\u0148a\u017en\u00e9 oper\u00e1cie asekura\u010dn\u00e9 \u2013 pois\u0165ovne s\u00fakromn\u00e9ho sektora.<\/li>\n<\/ol>\n<p>Charakteristick\u00e9 pre financie pois\u0165ovn\u00edctva s\u00fa asekura\u010dn\u00e9 pe\u0148a\u017en\u00e9 oper\u00e1cie (plat\u00ed to predov\u0161etk\u00fdm pre s\u00fakromn\u00e9 pois\u0165ovne a pois\u0165ovacie spolo\u010dnosti). V oblasti verejn\u00e9ho poistenia sa uplat\u0148uj\u00fa aj fi\u0161k\u00e1lne oper\u00e1cie.<\/p>\n<h2>Zahrani\u010dno-ekonomick\u00fd sektor<\/h2>\n<p>Zahrani\u010dno-ekonomick\u00fd sektor zah\u0155\u0148a pe\u0148a\u017en\u00e9 oper\u00e1cie, ktor\u00e9 sa uskuto\u010d\u0148uj\u00fa medzi vn\u00fatro\u0161t\u00e1tnymi a zahrani\u010dn\u00fdmi ekonomick\u00fdmi subjektmi. S\u00fahrn t\u00fdchto pe\u0148a\u017en\u00fdch oper\u00e1ci\u00ed ozna\u010dujeme medzin\u00e1rodn\u00e9 financie. Charakteristickou \u010drtou medzin\u00e1rodn\u00fdch financi\u00ed je, \u017ee pr\u00edslu\u0161n\u00e9 pe\u0148a\u017en\u00e9 oper\u00e1cie sa uskuto\u010d\u0148uj\u00fa v zahrani\u010dnej mene teda v dev\u00edzach a valut\u00e1ch. Medzin\u00e1rodn\u00e9 financie mo\u017eno charakterizova\u0165 dvoma navz\u00e1jom s\u00favisiacimi \u010drtami:<\/p>\n<ul>\n<li>v oblasti medzin\u00e1rodn\u00fdch financi\u00ed sa uplat\u0148uj\u00fa v\u0161etky druhy platobn\u00fdch oper\u00e1ci\u00ed<\/li>\n<li>ve\u013ek\u00e1 \u010das\u0165 platobn\u00fdch oper\u00e1ci\u00ed nevyhnutne predpoklad\u00e1, uskuto\u010dni\u0165 pr\u00edslu\u0161n\u00fa transforma\u010dn\u00fa pe\u0148a\u017en\u00fa oper\u00e1ciu, ktor\u00e1 znamen\u00e1 premenu zahrani\u010dnej meny na dom\u00e1cu a naopak, t\u00fato finan\u010dn\u00fa \u010dinnos\u0165 mo\u017eno ozna\u010di\u0165 ako zmen\u00e1renstvo.<\/li>\n<\/ul>\n<h2>Sektor obyvate\u013estva<\/h2>\n<p>Sektor obyvate\u013estva predstavuje v\u0161etky pe\u0148a\u017en\u00e9 oper\u00e1cie, ktor\u00e9 sp\u00f4sobuj\u00fa zmenu pe\u0148a\u017enej z\u00e1soby v tomto sektore, ozna\u010dujeme pojmom financie obyvate\u013estva alebo financie dom\u00e1cnost\u00ed. Pe\u0148a\u017en\u00e9 oper\u00e1cie v sektore obyvate\u013estva m\u00f4\u017eeme roz\u010dleni\u0165 do 2 z\u00e1kladn\u00fdch skup\u00edn:<\/p>\n<ol>\n<li>Pe\u0148a\u017en\u00e9 pr\u00edjmy obyvate\u013estva\n<ul>\n<li>zamestnaneck\u00e9 pe\u0148a\u017en\u00e9 oper\u00e1cie (mzdy, pr\u00e9mie, honor\u00e1re, \u0161tipendi\u00e1)<\/li>\n<li>pe\u0148a\u017en\u00e9 oper\u00e1cie medzi obyvate\u013estvom a finan\u010dn\u00fdmi in\u0161tit\u00faciami (vypl\u00e1canie soci\u00e1lnych d\u00f4chodkov, v\u00fdpomoc\u00ed, pe\u0148a\u017en\u00fdch d\u00e1vok nemocensk\u00e9ho poistenia, poskytnutie p\u00f4\u017ei\u010dky komer\u010dn\u00fdmi bankami&#8230;)<\/li>\n<li>ostatn\u00e9 pe\u0148a\u017en\u00e9 pr\u00edjmy obyvate\u013estva (pr\u00edjmy z predaja cenn\u00fdch papierov, dedi\u010dstva, rodinn\u00fdch domov, motorov\u00fdch vozidiel)<\/li>\n<\/ul>\n<\/li>\n<li>Pe\u0148a\u017en\u00e9 v\u00fddavky obyvate\u013estva\n<ul>\n<li>pe\u0148a\u017en\u00e9 platby obyvate\u013estva za tovary<\/li>\n<li>pe\u0148a\u017en\u00e9 oper\u00e1cie medzi obyvate\u013estvom a finan\u010dn\u00fdmi in\u0161tit\u00faciami<\/li>\n<li>ostatn\u00e9 pe\u0148a\u017en\u00e9 v\u00fddavky (dary \u0161kol\u00e1m, nad\u00e1ci\u00e1m, n\u00e1kup cenn\u00fdch papierov, \u00fahrada \u010dlensk\u00fdch pr\u00edpevkov)<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h2>Verejn\u00e9 a s\u00fakromn\u00e9 financie<\/h2>\n<p><strong>Verejn\u00e9 financie zah\u0155\u0148aj\u00fa:<\/strong><\/p>\n<ol>\n<li>\u0161t\u00e1tne financie \u2013 \u0161t\u00e1tny rozpo\u010det, financie \u0161t\u00e1tnych podnikov<\/li>\n<li>inancie miestne, komun\u00e1lne, region\u00e1lne<\/li>\n<li>\u00fa\u010delov\u00e9 fondy vo verejnom sektore<\/li>\n<li>\u0161t\u00e1tne a komun\u00e1lne banky, pois\u0165ovne, burzy<\/li>\n<\/ol>\n<p><strong>S\u00fakromn\u00e9 financie zah\u0155\u0148aj\u00fa:<\/strong><\/p>\n<ol>\n<li>financie s\u00fakromn\u00fdch podnikov<\/li>\n<li>s\u00fakromn\u00e9 obchodn\u00e9 banky, pois\u0165ovne, burzy<\/li>\n<li>financie obyvate\u013estva, dom\u00e1cnost\u00ed<\/li>\n<\/ol>\n<h2 class=\"page-title\">Pe\u0148a\u017en\u00e1 z\u00e1soba a pe\u0148a\u017en\u00e9 oper\u00e1cie<\/h2>\n<p>Viac sa o pe\u0148a\u017en\u00fdch oper\u00e1ci\u00e1ch do\u010d\u00edtate v \u010dl\u00e1nku <a href=\"https:\/\/www.euroekonom.sk\/penazna-zasoba-a-penazne-operacie\/\">Pe\u0148a\u017en\u00e1 z\u00e1soba a pe\u0148a\u017en\u00e9 oper\u00e1cie<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Najroz\u0161\u00edrenej\u0161ie je \u010dlenenie financi\u00ed pod\u013ea ekonomick\u00fdch sektorov: Podnikov\u00fd sektor Verejn\u00fd sektor Sektor bankovn\u00edctva Sektor pois\u0165ovn\u00edctva Zahrani\u010dno-ekonomick\u00fd sektor Sektor obyvate\u013estva Podnikov\u00fd sektor Podnikov\u00fd sektor zah\u0155\u0148a \u0161irok\u00fa &hellip; 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