[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ifg.sk\/penazne-agregaty-a-motivy-drzby-penazi\/#Article","mainEntityOfPage":"https:\/\/www.ifg.sk\/penazne-agregaty-a-motivy-drzby-penazi\/","headline":"Pe\u0148a\u017en\u00e9 agreg\u00e1ty a mot\u00edvy dr\u017eby pe\u0148az\u00ed","name":"Pe\u0148a\u017en\u00e9 agreg\u00e1ty a mot\u00edvy dr\u017eby pe\u0148az\u00ed","description":"Viacero z\u00a0n\u00e1s sa u\u017e ur\u010dite stretlo s\u00a0pojmom pe\u0148a\u017en\u00e9 agreg\u00e1ty, no len m\u00e1lokto z\u00a0n\u00e1s ovl\u00e1da \u010do sa za t\u00fdmto pojmom skr\u00fdva. Pe\u0148a\u017en\u00e9 agreg\u00e1ty napom\u00e1haj\u00fa sledova\u0165 mno\u017estvo pe\u0148az\u00ed v\u00a0obehu. Delia sa pod\u013ea jednotliv\u00fdch stup\u0148ov, ktor\u00e9 si spomenieme. Od seba sa navz\u00e1jom l\u00ed\u0161ia stup\u0148om likvidity to znamen\u00e1 pohotovos\u0165ou na platobn\u00e9 \u00fakony. Hlavn\u00e9 pe\u0148a\u017en\u00e9 agreg\u00e1ty \u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 M1: Obsahuje najlikvidnej\u0161ie […]","datePublished":"2018-07-28","dateModified":"2018-07-28","author":{"@type":"Person","@id":"https:\/\/www.ifg.sk\/author\/#Person","name":"","url":"https:\/\/www.ifg.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f677d652d46d6437b40497bee38030612d53a3103b24904f519be33cae485306?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f677d652d46d6437b40497bee38030612d53a3103b24904f519be33cae485306?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ifg.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ifg.sk\/wp-content\/uploads\/img_a291625_w16466_t1538154870.jpg","url":"https:\/\/www.ifg.sk\/wp-content\/uploads\/img_a291625_w16466_t1538154870.jpg","height":0,"width":0},"url":"https:\/\/www.ifg.sk\/penazne-agregaty-a-motivy-drzby-penazi\/","wordCount":439,"articleBody":"Viacero z\u00a0n\u00e1s sa u\u017e ur\u010dite stretlo s\u00a0pojmom pe\u0148a\u017en\u00e9 agreg\u00e1ty, no len m\u00e1lokto z\u00a0n\u00e1s ovl\u00e1da \u010do sa za t\u00fdmto pojmom skr\u00fdva. Pe\u0148a\u017en\u00e9 agreg\u00e1ty napom\u00e1haj\u00fa sledova\u0165 mno\u017estvo pe\u0148az\u00ed v\u00a0obehu. Delia sa pod\u013ea jednotliv\u00fdch stup\u0148ov, ktor\u00e9 si spomenieme. Od seba sa navz\u00e1jom l\u00ed\u0161ia stup\u0148om likvidity to znamen\u00e1 pohotovos\u0165ou na platobn\u00e9 \u00fakony.\tHlavn\u00e9 pe\u0148a\u017en\u00e9 agreg\u00e1ty\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 M1: Obsahuje najlikvidnej\u0161ie akt\u00edva, ktor\u00e9 sa nach\u00e1dzaj\u00fa v\u00a0obehu. Do tejto kateg\u00f3rie patria najm\u00e4:–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Mince a\u00a0papierov\u00e9 peniaze–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Bankov\u00e9 vklady bez v\u00fdpovednej lehoty–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Vklady na \u0161ekov\u00fdch \u00fa\u010dtoch, cestovn\u00e9 \u0161eky\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 M2: Tento agreg\u00e1t sa naz\u00fdva aj peniaze v\u00a0\u0161ir\u0161om zmysle. Ide o\u00a0pokus merania z\u00e1soby vysoko likvidn\u00fdch akt\u00edv. Patria sem:–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 M1–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Term\u00ednovan\u00e9 vklady\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 M3: Posledn\u00fd pe\u0148a\u017en\u00fd agreg\u00e1t je ozna\u010dovan\u00fd ako M3. Patria sem v\u00a0podstate v\u0161etky vklady prin\u00e1\u0161aj\u00face \u00farok. \u0160trukt\u00fara je teda tak\u00e1to:–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 M2–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Ve\u013ek\u00e9 term\u00ednovan\u00e9 vklady–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u010eal\u0161ie zlo\u017eky s\u00a0ni\u017e\u0161\u00edm stup\u0148om likvidity\tMot\u00edvy dr\u017eby pe\u0148az\u00edKe\u010f\u017ee jednotliv\u00e9 formy pe\u0148a\u017en\u00fdch agreg\u00e1tov niekto vlastn\u00ed pozrieme sa na mot\u00edvy dr\u017eby pe\u0148az\u00ed. Zjednodu\u0161ene si povieme pre\u010do \u013eudia dr\u017eia peniaze a\u00a0ak\u00e9 na to maj\u00fa d\u00f4vody. Aj tak\u00e1to vec m\u00e1 v\u00a0ekonomick\u00fdch te\u00f3ri\u00e1ch svoje miesto a\u00a0je taktie\u017e ve\u013emi d\u00f4le\u017eit\u00e1.Pozn\u00e1me tieto druhy mot\u00edvov dr\u017eby pe\u0148az\u00ed:\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Transak\u010dn\u00fd\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0160pekula\u010dn\u00fd\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Opatrnostn\u00fdPrv\u00fdm druhom je transak\u010dn\u00fd mot\u00edv dr\u017eby pe\u0148az\u00ed. U\u017e pri tomto slove transakcia v\u00e1s m\u00f4\u017ee napadn\u00fa\u0165, \u017ee p\u00f4jde o\u00a0nejak\u00e9 uskuto\u010d\u0148ovanie transakci\u00ed, teda zjednodu\u0161ene povedan\u00e9 n\u00e1kup. \u013dudia si dr\u017eia peniaze pr\u00e1ve preto aby mohli za ne nakupova\u0165 tovary a\u00a0slu\u017eby. Toto je teda prv\u00fdm d\u00f4vodom pre\u010do \u013eudia maj\u00fa z\u00e1ujem ma\u0165 peniaze.Druh\u00fdm je mot\u00edv \u0161pekula\u010dn\u00fd. Tak isto u\u017e z\u00a0toho slova je jasn\u00e9, \u017ee ide o\u00a0ur\u010dit\u00fa \u0161pekul\u00e1cia. V\u00a0ekonomike to predstavuje dr\u017ebu pe\u0148az\u00ed za \u00fa\u010delom z\u00edskania nejakej v\u00fdhody, to znamen\u00e1 z\u00edskanie zisku.No a\u00a0na z\u00e1ver spomeniem e\u0161te opatrnostn\u00fd mot\u00edv. Ke\u010f\u017ee mi \u013eudia sme opatrn\u00fd ur\u010dite chceme ma\u0165 peniaze aj na nepredv\u00eddate\u013en\u00e9 situ\u00e1cie alebo okolnosti. To znamen\u00e1, \u017ee si peniaze \u0161etr\u00edme a\u00a0odklad\u00e1me a\u00a0pr\u00e1ve to je d\u00f4vod pre\u010do ich m\u00e1me v\u00a0dr\u017ebe.\u00a0                                                                                                                                                                                                                                                                                                                                                                                        4.3\/5 - (19 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pe\u0148a\u017en\u00e9 agreg\u00e1ty a mot\u00edvy dr\u017eby pe\u0148az\u00ed","item":"https:\/\/www.ifg.sk\/penazne-agregaty-a-motivy-drzby-penazi\/#breadcrumbitem"}]}]