[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kosin.cz\/dnesni-nebankovni-sektor-je-jiny\/#Article","mainEntityOfPage":"https:\/\/www.kosin.cz\/dnesni-nebankovni-sektor-je-jiny\/","headline":"Dne\u0161n\u00ed nebankovn\u00ed sektor je jin\u00fd","name":"Dne\u0161n\u00ed nebankovn\u00ed sektor je jin\u00fd","description":"Kdy\u017e se u n\u00e1s za\u010dal po sametov\u00e9 revoluci zase rozv\u00edjet kapitalismus, bylo s t\u00edm hodn\u011b nejr\u016fzn\u011bj\u0161\u00edch nep\u0159\u00edjemnost\u00ed. A ty se t\u00fdkaly mimo jin\u00e9 i soukrom\u00fdch podnikatel\u016f. Ti tehdy m\u011bli samoz\u0159ejm\u011b nespo\u010det mo\u017enost\u00ed, jak usp\u011bt, proto\u017ee tu nebyla z d\u0159\u00edv\u011bj\u0161\u00edch dob tak\u0159ka \u017e\u00e1dn\u00e1 konkurence, jen\u017ee tu sou\u010dasn\u011b nebyla spousta toho, co je pro rozkv\u011bt podnik\u00e1n\u00ed nepostradateln\u00e9. […]","datePublished":"2026-04-15","dateModified":"2026-04-15","author":{"@type":"Person","@id":"https:\/\/www.kosin.cz\/author\/#Person","name":"kosin.cz\n","url":"https:\/\/www.kosin.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/ade5060b95d9432296fc92debd2ba3136f7a4d727a7bc57afe18c4808c7d7ac9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/ade5060b95d9432296fc92debd2ba3136f7a4d727a7bc57afe18c4808c7d7ac9?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kosin.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/kosin.cz\/wp-content\/uploads\/ppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppp_4.jpg","url":"https:\/\/kosin.cz\/wp-content\/uploads\/ppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppp_4.jpg","height":"","width":""},"url":"https:\/\/www.kosin.cz\/dnesni-nebankovni-sektor-je-jiny\/","wordCount":400,"articleBody":"   Kdy\u017e se u n\u00e1s za\u010dal po sametov\u00e9 revoluci zase rozv\u00edjet kapitalismus, bylo s t\u00edm hodn\u011b nejr\u016fzn\u011bj\u0161\u00edch nep\u0159\u00edjemnost\u00ed. A ty se t\u00fdkaly mimo jin\u00e9 i soukrom\u00fdch podnikatel\u016f. Ti tehdy m\u011bli samoz\u0159ejm\u011b nespo\u010det mo\u017enost\u00ed, jak usp\u011bt, proto\u017ee tu nebyla z d\u0159\u00edv\u011bj\u0161\u00edch dob tak\u0159ka \u017e\u00e1dn\u00e1 konkurence, jen\u017ee tu sou\u010dasn\u011b nebyla spousta toho, co je pro rozkv\u011bt podnik\u00e1n\u00ed nepostradateln\u00e9. Z\u00e1kony tehdy odpov\u00eddaly sp\u00ed\u0161e star\u00e9 dob\u011b a d\u0159\u00edve zak\u00e1zan\u00e9mu soukrom\u00e9mu podnik\u00e1n\u00ed nep\u0159\u00e1ly, s dodavatelsko-odb\u011bratelsk\u00fdmi vztahy to tu bylo vzhledem k nedostatkovosti tak\u00e9 \u010dasto komplikovan\u00e9, a zejm\u00e9na po liberalizaci cen tu byly rovn\u011b\u017e finan\u010dn\u00ed pot\u00ed\u017ee, kv\u016fli kter\u00fdm nem\u011bla spousta lid\u00ed na placen\u00ed tr\u017en\u00edch cen. A tak\u00e9 tu nebylo p\u0159\u00edli\u0161 mo\u017enost\u00ed, jak z\u00edskat podnikatelsk\u00e9 p\u016fj\u010dky, proto\u017ee to byla novota. A bez podnikatelsk\u00fdch p\u016fj\u010dek se mnoz\u00ed lid\u00e9 do soukrom\u00e9ho podnik\u00e1n\u00ed pustit nemohli, proto\u017ee z dob skoup\u00e9ho socialismu chyb\u011bl mnoh\u00fdm takov\u00fdm lidem nepostradateln\u00fd kapit\u00e1l. Tehdy tedy byla spousta probl\u00e9m\u016f. A probl\u00e9mem byly i r\u016fzn\u00e9 nebankovn\u00ed spole\u010dnosti, kter\u00e9 sice p\u016fj\u010dky nab\u00edzely, ale za podm\u00ednek, je\u017e byly ne\u017e\u00e1douc\u00ed. N\u011bkdy byly jejich p\u016fj\u010dky skryt\u011b a n\u011bkdy i zjevn\u011b nezvladateln\u00e9 a byly prov\u00e1zeny lec\u010d\u00edm, co m\u011blo v\u00e9st k jedin\u00e9mu. K obohacen\u00ed se na \u00fakor t\u011bch, kdo p\u016fj\u010dky pot\u0159ebovali a nalet\u011bli takov\u00fdm pochybn\u00fdm poskytovatel\u016fm p\u016fj\u010dek.Ale dne\u0161n\u00ed nebankovn\u00ed spole\u010dnosti u\u017e jsou jin\u00e9. Dnes u\u017e to funguje tak, jak to fungovat m\u00e1. A kdy\u017e n\u011bkdo pot\u0159ebuje p\u016fj\u010dku pro svou firmu, m\u016f\u017ee bez obav po\u017e\u00e1dat t\u0159eba o nebankovn\u00ed hypot\u00e9ku. Jej\u00ed\u017e v\u00fdhodou je to, \u017ee se za ni ru\u010d\u00ed nemovitost\u00ed, d\u00edky \u010demu\u017e se tu nekladou p\u0159ehnan\u00e9 n\u00e1roky na p\u0159\u00edjmy \u017eadatel\u016f nebo se daj\u00ed n\u011bkdy ignorovat i z\u00e1znamy v registrech dlu\u017en\u00edk\u016f. A tak se staly nebankovn\u00ed hypot\u00e9ky pomocn\u00edky t\u011bch, kdo pot\u0159ebuj\u00ed pen\u00edze rychle, spolehliv\u011b a v\u00fdhodn\u011b. A n\u011bjak\u00e1 nebankovn\u00ed hypot\u00e9ka bez registru u\u017e pomohla skute\u010dn\u011b mnoh\u00fdm z na\u0161ich soukromn\u00edk\u016f.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Dne\u0161n\u00ed nebankovn\u00ed sektor je jin\u00fd","item":"https:\/\/www.kosin.cz\/dnesni-nebankovni-sektor-je-jiny\/#breadcrumbitem"}]}]