[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.opac.cz\/od-koho-si-nechat-poradit\/#Article","mainEntityOfPage":"https:\/\/www.opac.cz\/od-koho-si-nechat-poradit\/","headline":"Od koho si nechat poradit?","name":"Od koho si nechat poradit?","description":"Jak jsem zv\u011bd\u011bl, mus\u00ed b\u00fdt finan\u010dn\u00ed poradci, kte\u0159\u00ed na na\u0161em trhu p\u016fsob\u00ed, pat\u0159i\u010dn\u011b na v\u00fd\u0161i. Co\u017e znamen\u00e1, \u017ee by m\u011bli m\u00edt za sebou n\u00e1le\u017eit\u00e9 p\u0159ezkou\u0161en\u00ed a v&nbsp;ruce potvrzen\u00ed o jeho \u00fasp\u011b\u0161n\u00e9m zvl\u00e1dnut\u00ed. V&nbsp;souladu se z\u00e1konem o spot\u0159ebitelsk\u00e9m \u00fav\u011bru z roku 2016 museli st\u00e1vaj\u00edc\u00ed finan\u010dn\u00ed poradci, zprost\u0159edkovatel\u00e9 a poskytovatel\u00e9 i nebankovn\u00ed prodejci \u00fav\u011brov\u00fdch produkt\u016f b\u011bhem p\u0159echodn\u00e9ho&hellip;<p class=\"read-more\"><a class=\"readmore-btn\" href=\"https:\/\/www.opac.cz\/od-koho-si-nechat-poradit\/\">\u010c\u00edst d\u00e1le<span class=\"screen-reader-text\">  \u010c\u00edst d\u00e1le<\/span><\/a><\/p>","datePublished":"2023-05-06","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.opac.cz\/author\/#Person","name":"","url":"https:\/\/www.opac.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c065076eb86551fdb70725c8063acf1b60a8edaed14ed654228c4cba13121c83?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c065076eb86551fdb70725c8063acf1b60a8edaed14ed654228c4cba13121c83?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"opac.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.opac.cz\/wp-content\/uploads\/img_a339611_w2700_t1552765730.png","url":"https:\/\/www.opac.cz\/wp-content\/uploads\/img_a339611_w2700_t1552765730.png","height":0,"width":0},"url":"https:\/\/www.opac.cz\/od-koho-si-nechat-poradit\/","about":["Finance"],"wordCount":613,"articleBody":"Jak jsem zv\u011bd\u011bl, mus\u00ed b\u00fdt finan\u010dn\u00ed poradci, kte\u0159\u00ed na na\u0161em trhu p\u016fsob\u00ed, pat\u0159i\u010dn\u011b na v\u00fd\u0161i. Co\u017e znamen\u00e1, \u017ee by m\u011bli m\u00edt za sebou n\u00e1le\u017eit\u00e9 p\u0159ezkou\u0161en\u00ed a v&nbsp;ruce potvrzen\u00ed o jeho \u00fasp\u011b\u0161n\u00e9m zvl\u00e1dnut\u00ed.V&nbsp;souladu se z\u00e1konem o spot\u0159ebitelsk\u00e9m \u00fav\u011bru z roku 2016 museli st\u00e1vaj\u00edc\u00ed finan\u010dn\u00ed poradci, zprost\u0159edkovatel\u00e9 a poskytovatel\u00e9 i nebankovn\u00ed prodejci \u00fav\u011brov\u00fdch produkt\u016f b\u011bhem p\u0159echodn\u00e9ho dvoulet\u00e9ho obdob\u00ed u n\u011bkter\u00e9 ze spole\u010dnost\u00ed akreditovan\u00fdch \u010ceskou n\u00e1rodn\u00ed bankou \u00fasp\u011b\u0161n\u011b slo\u017eit zkou\u0161ku odborn\u00e9 zp\u016fsobilosti podle sv\u00e9ho zam\u011b\u0159en\u00ed, a ti, kdo se chystaj\u00ed s&nbsp;t\u00edmto podnik\u00e1n\u00edm za\u010d\u00edt, mus\u00ed onu zkou\u0161ku absolvovat a osv\u011bd\u010den\u00ed z\u00edskat t\u00e9\u017e.A ne\u0161lo a nejde pr\u00fd o \u017e\u00e1dnou formalitu. Pr\u00fd se obstojn\u011b zapotili i poradci s dlouholetou prax\u00ed v&nbsp;oboru. A nakonec za uplynul\u00e9 dva roky absolvovalo tuto zkou\u0161ku \u0161esta\u0161edes\u00e1t tis\u00edc lid\u00ed, z&nbsp;nich\u017e skoro t\u0159etina neusp\u011bla.Z\u00edskan\u00fdm osv\u011bd\u010den\u00edm o absolvov\u00e1n\u00ed se tak dnes m\u016f\u017ee py\u0161nit 46000 finan\u010dn\u00edch poradc\u016f zab\u00fdvaj\u00edc\u00edch se poskytov\u00e1n\u00edm nebo zprost\u0159edkov\u00e1n\u00edm spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f a souvisej\u00edc\u00edmi \u010dinnostmi.P\u0159es 27000 z&nbsp;nich slo\u017eilo zkou\u0161ku kombinovanou, j\u00ed\u017e je zapot\u0159eb\u00ed pro distribuci spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f na bydlen\u00ed i jin\u00fdch ne\u017e na bydlen\u00ed, zat\u00edmco \u0159\u00e1dov\u011b deset tis\u00edc z\u00e1jemc\u016f u t\u00e9to zkou\u0161ky &sbquo;ruplo&lsquo;.U zkou\u0161ky &sbquo;Spot\u0159ebitelsk\u00e9 \u00fav\u011bry jin\u00e9 ne\u017e na bydlen\u00ed&lsquo; pak usp\u011bli dokonce jenom t\u0159i z\u00e1jemci z&nbsp;p\u011bti.Tato data od \u010cesk\u00e9 n\u00e1rodn\u00ed banky a \u010cesk\u00e9 bankovn\u00ed asociace by m\u011bla ve\u0159ejnost p\u0159esv\u011bd\u010dit o tom, \u017ee dnes nab\u00edzej\u00ed p\u016fj\u010dky jenom profesion\u00e1lov\u00e9, kte\u0159\u00ed z\u00e1le\u017eitostem kolem \u00fav\u011br\u016f rozum\u011bj\u00ed.&nbsp;D\u00e1le u\u017e pr\u00fd tak\u00e9 b\u011b\u017e\u00ed dvoulet\u00e9 p\u0159echodn\u00e9 obdob\u00ed, b\u011bhem kter\u00e9ho mus\u00ed zkou\u0161ku odbornosti slo\u017eit i pracovn\u00edci na kapit\u00e1lov\u00e9m trhu, kte\u0159\u00ed mus\u00ed n\u011bkterou ze dvou jim se nab\u00edzej\u00edc\u00edch zkou\u0161ek slo\u017eit nejpozd\u011bji 3. ledna p\u0159\u00ed\u0161t\u00edho roku, a podobn\u011b jsou na tom i lid\u00e9 z poji\u0161\u0165ovnictv\u00ed, kte\u0159\u00ed mus\u00ed obdobnou povinnost splnit do 1. listopadu 2020 a pro kter\u00e9 se ot\u00e1zky a metodick\u00e9 pokyny pro prov\u00e1d\u011bn\u00ed test\u016f na p\u016fd\u011b \u010cesk\u00e9 n\u00e1rodn\u00ed banky teprve chystaj\u00ed.&nbsp;Tak\u017ee je pr\u00fd d\u016fle\u017eit\u00e9, abychom se my, kdo se hodl\u00e1me vydat v\u0161anc podobn\u00fdm poradc\u016fm, v\u017edy p\u00eddili po dolo\u017een\u00ed opr\u00e1vn\u011bn\u00ed k&nbsp;\u010dinnosti a abychom se obraceli jen na poskytovatele s&nbsp;licenc\u00ed.Proto\u017ee je na na\u0161em trhu dosud hodn\u011b nepoctiv\u00fdch subjekt\u016f, jim\u017e se m\u00e1me vyh\u00fdbat.A to posledn\u00ed m\u011b hodn\u011b zaujalo. Negativn\u011b, jak jinak. Proto\u017ee mi tu na\u0161i mocn\u00ed dokazuj\u00ed, \u017ee:a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; P\u0159\u00edsn\u011b p\u0159ezku\u0161uj\u00ed a povoluj\u00ed \u010dinnost jedn\u011bm a z\u00e1rove\u0148 nedok\u00e1\u017eou eliminovat ty, kdo opr\u00e1vn\u011bni nejsou, a\u010d je jasn\u00e9, \u017ee tito pracuj\u00ed s&nbsp;lidmi a nemohou tak \u017e\u00edt v&nbsp; ilegalit\u011b.b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Cht\u011bj\u00ed po n\u00e1s, abychom sv\u00e9 \u00faspory investovali do v\u00fdhradn\u011b r\u016fzn\u011b rizikov\u00fdch aktivit, a p\u0159itom nezajist\u00ed, abychom aspo\u0148 nepadli do sp\u00e1r\u016f podvodn\u00edk\u016fm. Nebo vy snad v\u00edte, jak ten uveden\u00fd glejt ve skute\u010dnosti vypad\u00e1?                                                                                                                                                                                                                                                                                                                                                                                        3.6\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Od koho si nechat poradit?","item":"https:\/\/www.opac.cz\/od-koho-si-nechat-poradit\/#breadcrumbitem"}]}]