[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.wanabi.cz\/nova-pravidla-pro-poskytovatele-pujcek\/#Article","mainEntityOfPage":"https:\/\/www.wanabi.cz\/nova-pravidla-pro-poskytovatele-pujcek\/","headline":"Nov\u00e1 pravidla pro poskytovatele p\u016fj\u010dek","name":"Nov\u00e1 pravidla pro poskytovatele p\u016fj\u010dek","description":"V\u0161echny nebankovn\u00ed firmy, kter\u00e9 cht\u011bj\u00ed na \u010desk\u00e9m trhu poskytovat spot\u0159ebitelsk\u00e9 \u00fav\u011bry, musely do za\u010d\u00e1tku b\u0159ezna za\u017e\u00e1dat o licenci u \u010cesk\u00e9 n\u00e1rodn\u00ed banky. D\u0159\u00edve na \u010desk\u00e9m trhnu p\u016fsobilo t\u00e9m\u011b\u0159 60 tis\u00edc r\u016fzn\u00fdch poskytovatel\u016f p\u016fj\u010dek, o licenci si v\u0161ak po\u017e\u00e1dalo m\u00e9n\u011b ne\u017e sto spole\u010dnost\u00ed. Z\u00a0iniciativy z\u00e1konod\u00e1rc\u016f p\u0159ipravilo ministerstvo financ\u00ed novelu z\u00e1kona a do\u0161lo k\u00a0z\u00e1sadn\u00edmu zp\u0159\u00edsn\u011bn\u00ed podm\u00ednek. D\u0159\u00edve...","datePublished":"2017-02-25","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.wanabi.cz\/author\/#Person","name":"","url":"https:\/\/www.wanabi.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e32c915fa5b274a4469e3ef5c1f9837e76577a60613858c5c8a74a3de98e33bc?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e32c915fa5b274a4469e3ef5c1f9837e76577a60613858c5c8a74a3de98e33bc?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"wanabi.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.wanabi.cz\/nova-pravidla-pro-poskytovatele-pujcek\/","wordCount":388,"articleBody":"V\u0161echny nebankovn\u00ed firmy, kter\u00e9 cht\u011bj\u00ed na \u010desk\u00e9m trhu poskytovat spot\u0159ebitelsk\u00e9 \u00fav\u011bry, musely do za\u010d\u00e1tku b\u0159ezna za\u017e\u00e1dat o licenci u \u010cesk\u00e9 n\u00e1rodn\u00ed banky. D\u0159\u00edve na \u010desk\u00e9m trhnu p\u016fsobilo t\u00e9m\u011b\u0159 60 tis\u00edc r\u016fzn\u00fdch poskytovatel\u016f p\u016fj\u010dek, o licenci si v\u0161ak po\u017e\u00e1dalo m\u00e9n\u011b ne\u017e sto spole\u010dnost\u00ed.\tZ\u00a0iniciativy z\u00e1konod\u00e1rc\u016f p\u0159ipravilo ministerstvo financ\u00ed novelu z\u00e1kona a do\u0161lo k\u00a0z\u00e1sadn\u00edmu zp\u0159\u00edsn\u011bn\u00ed podm\u00ednek. D\u0159\u00edve mohl poskytovat p\u016fj\u010dky ka\u017ed\u00fd, kdo vlastnil pouze \u017eivnostensk\u00e9 opr\u00e1vn\u011bn\u00ed. Nyn\u00ed budou v\u0161ichni poskytovatel\u00e9 p\u016fj\u010dek pod dohledem \u010cNB. Mus\u00ed prok\u00e1zat dostate\u010dnou odbornost a kvalifikaci pro toto odv\u011btv\u00ed a je tak\u00e9 kontrov\u00e1na jejich d\u016fv\u011bryhodnost.\tZ\u00e1sadn\u00ed zm\u011bna oproti d\u0159\u00edv\u011bj\u0161ku je tak\u00e9 v\u00a0povinnosti vlastnit kapit\u00e1l nejm\u00e9n\u011b ve v\u00fd\u0161\u00ed 20 mili\u00f3n\u016f korun. Pod tuto \u010d\u00e1stku tak\u00e9 nesm\u00ed kapit\u00e1l poskytovatele klesnout. D\u0159\u00edv\u011bj\u0161\u00ed pravidla byla pro firmy podstatn\u011b benevolentn\u011bj\u0161\u00ed. To je pravd\u011bpodobn\u011b jeden z\u00a0d\u016fvod pro tak razantn\u00ed \u00fabytek po\u010dtu subjekt\u016f, kter\u00e9 cht\u011bj\u00ed v\u00a0tomto oboru nyn\u00ed leg\u00e1ln\u011b podnikat.\tNov\u00e1 pravidla poskytuj\u00ed st\u00e1tu mnohem v\u011bt\u0161\u00ed mo\u017enost kontroly tohoto odv\u011btv\u00ed, kde p\u016fsobilo nep\u0159ebern\u00e9 mno\u017estv\u00ed firem. Ka\u017ed\u00fd, kdo si chce za\u017e\u00e1dat o \u00fav\u011br si bude moci zkontrolovat, zda firma, kter\u00e1 mu nab\u00edz\u00ed p\u016fj\u010dku m\u00e1 licenci a dodr\u017euje v\u0161echna pravidla. \u010cNB bude moci u ka\u017ed\u00e9ho, kdo je podez\u0159el\u00fd z\u00a0neopr\u00e1vn\u011bn\u00e9ho poskytov\u00e1n\u00ed p\u016fj\u010dek prov\u00e1d\u011bt kontroly ihned na m\u00edst\u011b.\t\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Legislativa m\u00e1 tak\u00e9 za c\u00edl v\u011bt\u0161\u00ed ochranu spot\u0159ebitele p\u0159ed lichv\u00e1\u0159i. Jak\u00fdkoliv \u00fav\u011br, kter\u00fd je poskytnut neleg\u00e1ln\u00edm zp\u016fsobem je bez\u00faro\u010dn\u00fd a nesm\u00ed b\u00fdt p\u0159ihl\u00ed\u017eeno k\u00a0r\u016fzn\u00fdm dal\u0161\u00edm ustanoven\u00edm ve smlouv\u011b. \u00a0Nov\u011b nesm\u00ed finan\u010dn\u00ed spole\u010dnosti p\u016fj\u010dovat lidem, kte\u0159\u00ed prokazateln\u011b nebudou moci \u00fav\u011br spl\u00e1cet pod hrozbou sankc\u00ed. Pro nebankovn\u00ed spole\u010dnosti tak\u00e9 plat\u00ed stejn\u00e1 pravidla jako pro banky, p\u016fj\u010dovat si od firem, kter\u00e9 budou vlastnit licenci by tedy m\u011blo b\u00fdt stejn\u011b bezpe\u010dn\u00e9 jako od bankovn\u00edch dom\u016f.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nov\u00e1 pravidla pro poskytovatele p\u016fj\u010dek","item":"https:\/\/www.wanabi.cz\/nova-pravidla-pro-poskytovatele-pujcek\/#breadcrumbitem"}]}]