{"id":113967,"date":"2026-08-24T00:15:44","date_gmt":"2026-08-23T22:15:44","guid":{"rendered":"https:\/\/www.infokuryr.cz\/n\/?p=113967"},"modified":"2026-08-23T13:53:12","modified_gmt":"2026-08-23T11:53:12","slug":"crd-vi-eu-omezuje-pristup-bankam-mimo-evropu","status":"publish","type":"post","link":"https:\/\/www.infokuryr.cz\/n\/2026\/08\/24\/crd-vi-eu-omezuje-pristup-bankam-mimo-evropu\/","title":{"rendered":"CRD VI: EU omezuje p\u0159\u00edstup bank\u00e1m mimo Evropu"},"content":{"rendered":"
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Od ledna 2027 bude pro banky mimo EU v\u00fdrazn\u011b obt\u00ed\u017en\u011bj\u0161\u00ed p\u0159\u00edmo obsluhovat z\u00e1kazn\u00edky s bydli\u0161t\u011bm v Unii. Brusel z\u00e1rove\u0148 propojuje registry \u00fa\u010dt\u016f, omezuje platby v hotovosti, zachov\u00e1v\u00e1 re\u017eim bail-in a prosazuje digit\u00e1ln\u00ed euro. Ka\u017ed\u00fd z t\u011bchto projekt\u016f m\u00e1 jin\u00e9 opodstatn\u011bn\u00ed \u2013 ale nakonec se p\u0159ekvapiv\u011b velk\u00e1 \u010d\u00e1st z nich redukuje na tot\u00e9\u017e: st\u00e1t m\u00e1 st\u00e1le p\u0159esn\u011bj\u0161\u00ed znalosti o tom, kde jsou pen\u00edze jeho ob\u010dan\u016f dr\u017eeny, zat\u00edmco jejich schopnost dr\u017eet aktiva mimo tento syst\u00e9m se sni\u017euje.<\/span><\/strong><\/p>\n

Nese jeden z t\u011bch typicky n\u011bmeck\u00fdch pr\u00e1vn\u00edch n\u00e1zv\u016f, kter\u00e9 si po pouh\u00fdch n\u011bkolika slovech pravd\u011bpodobn\u011b nevy\u017e\u00e1daj\u00ed dal\u0161\u00ed \u010dten\u00ed:\u00a0<\/span>Z\u00e1kon o implementaci bankovn\u00ed sm\u011brnice a \u00falev\u011b od byrokracie<\/span><\/a>\u00a0, zkr\u00e1cen\u011b BRUBEG. Plat\u00ed od 1. dubna 2026. T\u00edmto z\u00e1konem N\u011bmecko implementuje evropskou bankovn\u00ed sm\u011brnici\u00a0<\/span>CRD VI<\/span><\/a> \u2013 a to bude m\u00edt pravd\u011bpodobn\u011b pro n\u011bkter\u00e9 ob\u010dany zcela konkr\u00e9tn\u00ed d\u016fsledky, a to nejpozd\u011bji v p\u0159\u00ed\u0161t\u00edm roce. Od 11. ledna 2027 toti\u017e banky ze t\u0159et\u00edch zem\u00ed nebudou moci jednodu\u0161e vykon\u00e1vat ur\u010dit\u00e9 hlavn\u00ed obchodn\u00ed \u010dinnosti s klienty v N\u011bmecku z Curychu, Singapuru, Dubaje nebo New Yorku. Pat\u0159\u00ed mezi n\u011b mimo jin\u00e9 p\u0159ij\u00edm\u00e1n\u00ed vklad\u016f, \u00fav\u011bry a z\u00e1ruky a z\u00e1vazky.<\/span><\/p>\n

Bundesbanka jasn\u011b uv\u00e1d\u00ed z\u00e1kladn\u00ed princip: Banky ze t\u0159et\u00edch zem\u00ed ji\u017e nebudou moci nab\u00edzet tyto z\u00e1kladn\u00ed bankovn\u00ed slu\u017eby p\u0159\u00edmo v N\u011bmecku, ale budou obecn\u011b vy\u017eadovat autorizovanou pobo\u010dku. \u0160v\u00fdcarsk\u00e9 banky, kter\u00e9 cht\u011bj\u00ed i nad\u00e1le aktivn\u011b slou\u017eit n\u011bmeck\u00fdm klient\u016fm, si proto mus\u00ed v N\u011bmecku z\u0159\u00eddit pobo\u010dku. A to nen\u00ed\u00a0<\/span>v\u0161e<\/span><\/a>\u00a0: Autorizace ve Frankfurtu se automaticky nevztahuje na Rakousko, Francii ani \u0160pan\u011blsko. Pobo\u010dky ze t\u0159et\u00edch zem\u00ed nemaj\u00ed pr\u00e1vo vyd\u00e1vat pobo\u010dky v cel\u00e9 EU. Banky, kter\u00e9 cht\u011bj\u00ed slou\u017eit klient\u016fm ve v\u00edce \u010dlensk\u00fdch st\u00e1tech, se rychle ocitnou v situaci, kdy jim bude muset b\u00fdt vyd\u00e1no v\u00edce licenc\u00ed, regula\u010dn\u00edch re\u017eim\u016f a n\u00e1sledn\u011b i vy\u0161\u0161\u00edch n\u00e1klad\u016f.<\/span><\/p>\n

Zahrani\u010dn\u00ed bankovn\u00ed \u00fa\u010dty z\u016fst\u00e1vaj\u00ed povoleny \u2013 ale banka se st\u00e1v\u00e1 probl\u00e9mem.<\/span><\/h3>\n

Sm\u011brnice CRD VI p\u0159\u00edmo nezakazuje \u0161v\u00fdcarsk\u00e9, singapursk\u00e9 ani jin\u00e9 zahrani\u010dn\u00ed bankovn\u00ed \u00fa\u010dty. To v\u0161ak v\u011bc nijak nem\u011bn\u00ed na men\u0161\u00edm. Existuj\u00ed v\u00fdjimky, zejm\u00e9na tzv. \u201ereverse soliciation\u201c (zp\u011btn\u00e9 oslovov\u00e1n\u00ed). Z\u00e1kazn\u00edci, kte\u0159\u00ed prokazateln\u011b kontaktuj\u00ed banku z vlastn\u00ed iniciativy, mohou za\u00a0<\/span>ur\u010dit\u00fdch podm\u00ednek<\/span><\/a> nad\u00e1le vyu\u017e\u00edvat slu\u017eeb t\u00e9to banky. Smlouvy, kter\u00e9 byly uzav\u0159eny ji\u017e p\u0159ed 11. \u010dervencem 2026, jsou tak\u00e9 obecn\u011b chr\u00e1n\u011bny. Ani tato ochrana, ani iniciativa z\u00e1kazn\u00edka v\u0161ak \u017e\u00e1dnou banku nezavazuj\u00ed k tomu, aby tuto \u010dinnost v budoucnu nad\u00e1le nab\u00edzela.<\/span><\/p>\n

Nakonec se s t\u00edm mus\u00ed vypo\u0159\u00e1dat odd\u011blen\u00ed compliance banky. Mus\u00ed zdokumentovat, zda klient transakci skute\u010dn\u011b inicioval, zajistit, aby se z n\u00ed nestal pouze standardn\u00ed prodejn\u00ed kan\u00e1l EU, a z\u00e1rove\u0148 spl\u0148ovat n\u00e1rodn\u00ed p\u0159edpisy. Alternativn\u011b m\u016f\u017ee instituce z\u0159\u00eddit pobo\u010dku \u2013 se v\u0161emi souvisej\u00edc\u00edmi kapit\u00e1lov\u00fdmi, likviditn\u00edmi, \u0159\u00eddic\u00edmi, \u00fa\u010detn\u00edmi a reportingov\u00fdmi povinnostmi. Jen v N\u011bmecku stanov\u00ed nov\u00e1\u00a0<\/span>na\u0159\u00edzen\u00ed<\/span><\/a>\u00a0minim\u00e1ln\u00ed kapit\u00e1lov\u00e9 po\u017eadavky, krom\u011b dal\u0161\u00edch po\u017eadavk\u016f a p\u0159\u00edsn\u011bj\u0161\u00edch rizikov\u00fdch kategori\u00ed pro pobo\u010dky p\u0159esahuj\u00edc\u00ed ur\u010ditou velikost. I vklady retailov\u00fdch klient\u016f ve v\u00fd\u0161i 50 milion\u016f eur mohou spl\u0148ovat jedno z t\u011bchto krit\u00e9ri\u00ed.<\/span><\/p>\n

Pro velkou mezin\u00e1rodn\u00ed bankovn\u00ed skupinu by to mohlo b\u00fdt provediteln\u00e9. Pro men\u0161\u00ed \u0161v\u00fdcarskou soukromou banku s n\u011bkolika stovkami n\u011bmeck\u00fdch klient\u016f vypad\u00e1 v\u00fdpo\u010det jinak. Pro\u010d by si m\u011bla budovat vlastn\u00ed regula\u010dn\u00ed infrastrukturu v N\u011bmecku pro zvl\u00e1dnuteln\u00fd po\u010det \u00fa\u010dt\u016f a potenci\u00e1ln\u011b opakovat stejn\u00fd proces v Rakousku, Francii nebo \u0160pan\u011blsku? Je mnohem jednodu\u0161\u0161\u00ed v prvn\u00ed \u0159ad\u011b nep\u0159ij\u00edmat nov\u00e9 klienty z EU, nechat st\u00e1vaj\u00edc\u00ed \u00fa\u010dty propadnout nebo je p\u0159ev\u00e9st do dce\u0159in\u00e9 spole\u010dnosti skupiny v EU. N\u00e1zev zna\u010dky m\u016f\u017ee st\u00e1le zn\u00edt \u0161v\u00fdcarsky \u2013 pen\u00edze z\u016fst\u00e1vaj\u00ed leg\u00e1ln\u011b v r\u00e1mci evropsk\u00e9ho syst\u00e9mu. A to je j\u00e1dro v\u011bci. Eurokrat\u00e9 ne\u0159\u00edkaj\u00ed ob\u010dan\u016fm: Nem\u016f\u017eete dr\u017eet sv\u00e9 pen\u00edze mimo EU. M\u00edsto toho bank\u00e1m zt\u011b\u017euj\u00ed spr\u00e1vu t\u011bchto pen\u011bz mimo EU.<\/span><\/p>\n

V\u00edce pokladen, m\u00e9n\u011b hotovosti<\/span><\/h3>\n

Sm\u011brnice CRD VI je sama o sob\u011b z\u00e1sadn\u00edm v\u00fdvojem. Brusel z\u00e1rove\u0148 pracuje na st\u00e1le komplexn\u011bj\u0161\u00edm sb\u011bru dat o finan\u010dn\u00edch aktivech. Do 10. \u010dervence 2029 maj\u00ed\u00a0<\/span>b\u00fdt n\u00e1rodn\u00ed registry \u00fa\u010dt\u016f propojeny<\/span><\/a>\u00a0prost\u0159ednictv\u00edm evropsk\u00e9ho syst\u00e9mu BARIS . Nejde ji\u017e jen o b\u011b\u017en\u00e9 b\u011b\u017en\u00e9 \u00fa\u010dty. P\u0159\u00edslu\u0161n\u00e1 pravidla EU se vztahuj\u00ed i \u200b\u200bna \u00fa\u010dty cenn\u00fdch pap\u00edr\u016f, kryptom\u011bnov\u00e9 \u00fa\u010dty a bezpe\u010dnostn\u00ed schr\u00e1nky. P\u0159\u00edslu\u0161n\u00e9 org\u00e1ny by m\u011bly b\u00fdt schopny ur\u010dit p\u0159es hranice, kdo a kde tato aktiva dr\u017e\u00ed nebo ovl\u00e1d\u00e1. Zat\u00edm se nejedn\u00e1 o \u00fapln\u00fd registr ve\u0161ker\u00e9ho majetku pat\u0159\u00edc\u00edho ka\u017ed\u00e9mu ob\u010danovi. Samotn\u00e1 Evropsk\u00e1 komise v\u0161ak\u00a0<\/span>ji\u017e zadala studie<\/span><\/a>\u00a0o tom, jak by bylo mo\u017en\u00e9 propojit informace o nemovitostech, pod\u00edlech ve spole\u010dnostech, cenn\u00fdch pap\u00edrech, kryptom\u011bn\u00e1ch, um\u011bn\u00ed a zlat\u011b. Brusel\u0161t\u00ed eurokrat\u00e9 z\u0159ejm\u011b cht\u011bj\u00ed v\u011bd\u011bt, a\u017e na cent, p\u0159esn\u011b, kolik bohatstv\u00ed vlastn\u00ed ka\u017ed\u00fd jednotliv\u00fd ob\u010dan \u010dlensk\u00e9ho st\u00e1tu EU a kde.<\/span><\/p>\n

Zat\u00edmco \u00fa\u010dty a dal\u0161\u00ed aktiva jsou st\u00e1le v\u00edce sledovateln\u00e9, EU tak\u00e9 zp\u0159\u00eds\u0148uje omezen\u00ed hotovostn\u00edch transakc\u00ed.\u00a0<\/span>Od \u010dervence 2027<\/span><\/a> se na obchodn\u00ed transakce bude vztahovat obecn\u00fd limit 10 000 EUR v cel\u00e9 EU, a\u010dkoli jednotliv\u00e9 \u010dlensk\u00e9 st\u00e1ty mohou stanovit ni\u017e\u0161\u00ed limity. Po\u017eadavky na identifikaci a ov\u011b\u0159ov\u00e1n\u00ed se ji\u017e budou vztahovat na n\u011bkter\u00e9 hotovostn\u00ed transakce p\u0159esahuj\u00edc\u00ed 3 000 EUR. Hotovost je v\u0161ak pr\u00e1v\u011b t\u00edm segmentem platebn\u00edch transakc\u00ed, kter\u00fd nevy\u017eaduje ani registr \u00fa\u010dt\u016f, ani centr\u00e1ln\u00ed technickou infrastrukturu. Sm\u011br se proto nijak nep\u0159ekvap\u00ed: v\u011bt\u0161\u00ed anonymn\u00ed platby budou postupn\u011b ukon\u010deny.<\/span><\/p>\n

A jakmile se pen\u00edze ocitnou v evropsk\u00e9m bankovn\u00edm syst\u00e9mu, jsou v p\u0159\u00edpad\u011b krize p\u0159\u00edmo zraniteln\u00e9. Re\u017eim rekapitalizace v Evropsk\u00e9 unii\u00a0<\/span>v\u00fdslovn\u011b stanov\u00ed<\/span><\/a>\u00a0\u00fa\u010dast akcion\u00e1\u0159\u016f a v\u011b\u0159itel\u016f banky na jej\u00edch ztr\u00e1t\u00e1ch. Vklady v r\u00e1mci z\u00e1konn\u00e9ho limitu poji\u0161t\u011bn\u00ed vklad\u016f se t\u011b\u0161\u00ed zvl\u00e1\u0161tn\u00ed ochran\u011b, pokud m\u00e1 bankovn\u00ed poji\u0161t\u011bn\u00ed dostatek aktiv k jejich kryt\u00ed. Ka\u017ed\u00fd, kdo dr\u017e\u00ed v\u011bt\u0161\u00ed z\u016fstatky, by si v\u0161ak nem\u011bl d\u011blat iluze: z\u016fstatek na bankovn\u00edm \u00fa\u010dtu p\u0159esahuj\u00edc\u00ed limit poji\u0161t\u011bn\u00ed vklad\u016f nen\u00ed jako zlat\u00e1 slitka ve vlastn\u00edm trezoru.<\/span><\/p>\n

I ti, kte\u0159\u00ed cht\u011bj\u00ed zcela opustit pr\u00e1vn\u00ed syst\u00e9m, rychle zjist\u00ed, \u017ee finan\u010dn\u00ed \u201e\u00fat\u011bk z republiky\u201c m\u016f\u017ee m\u00edt svou cenu. N\u011bmecko ji\u017e l\u00e9ta vyb\u00edr\u00e1\u00a0<\/span>dan\u011b z odchodu<\/span><\/a>\u00a0z ur\u010dit\u00fdch investic a nyn\u00ed je roz\u0161\u00ed\u0159ilo i na konkr\u00e9tn\u00ed investi\u010dn\u00ed fondy. Za z\u00e1konn\u00fdch podm\u00ednek lze kapit\u00e1lov\u00e9 v\u00fdnosy zdanit, i kdy\u017e doty\u010dn\u00fd majetek nebyl prod\u00e1n. Podobn\u00e9 syst\u00e9my maj\u00ed i dal\u0161\u00ed evropsk\u00e9 zem\u011b. Ob\u010dan\u00e9 se samoz\u0159ejm\u011b mohou odst\u011bhovat \u2013 da\u0148ov\u00e9 \u00fa\u0159ady si v\u0161ak nejprve cht\u011bj\u00ed vyrovnat jejich \u00fa\u010dty.<\/span><\/p>\n

Je zaj\u00edmav\u00e9, \u017ee tento vzorec je podobn\u00fd jako v CRD VI. Nikdo nezakazuje emigraci. Nikdo nezakazuje m\u00edt bankovn\u00ed \u00fa\u010det v Singapuru. Nikdo neru\u0161\u00ed hotovost p\u0159es noc. Podm\u00ednky se jednodu\u0161e m\u011bn\u00ed tak, \u017ee se ka\u017ed\u00e1 alternativa st\u00e1v\u00e1 o n\u011bco dra\u017e\u0161\u00ed, komplikovan\u011bj\u0161\u00ed nebo m\u00e9n\u011b atraktivn\u00ed. Svoboda ne v\u017edy zmiz\u00ed s velkou z\u00e1kazovou cedul\u00ed. N\u011bkdy sta\u010d\u00ed dostate\u010dn\u011b mal\u00e1 omezen\u00ed.<\/span><\/p>\n

Digit\u00e1ln\u00ed euro jako dal\u0161\u00ed d\u00edlek skl\u00e1da\u010dky<\/span><\/h3>\n

A pak je tu digit\u00e1ln\u00ed euro. Evropsk\u00e1 centr\u00e1ln\u00ed banka na t\u00e9to infrastruktu\u0159e\u00a0<\/span>ji\u017e dlouho pracuje<\/span><\/a>\u00a0a pilotn\u00ed program zahrnuj\u00edc\u00ed re\u00e1ln\u00e9 transakce je pl\u00e1nov\u00e1n na druhou polovinu roku 2027. Z\u00e1rove\u0148 se zkoumaj\u00ed potenci\u00e1ln\u00ed horn\u00ed limity pro z\u016fstatky v digit\u00e1ln\u00edm euru. Pro uklidn\u011bn\u00ed ob\u010dan\u016f ECB p\u0159irozen\u011b slibuje ur\u010ditou \u00farove\u0148 ochrany \u00fadaj\u016f a tak\u00e9 mo\u017enost offline plateb. D\u00e1le pravideln\u011b zd\u016fraz\u0148uje, \u017ee digit\u00e1ln\u00ed euro m\u00e1 dopl\u0148ovat, nikoli nahrazovat hotovost. To je ale asi stejn\u011b v\u011brohodn\u00e9 jako uji\u0161t\u011bn\u00ed Waltera Ulbrichta, \u017ee nikdo nehodl\u00e1 stav\u011bt ze\u010f.<\/span><\/p>\n

Samoz\u0159ejm\u011b, \u017e\u00e1dn\u00fd z t\u011bchto projekt\u016f ofici\u00e1ln\u011b neuv\u00e1d\u00ed \u201ekontrolu majetku ob\u010dan\u016f\u201c. CRD VI je ozna\u010dena jako \u201ebankovn\u00ed dohled\u201c. Registry \u00fa\u010dt\u016f jsou ozna\u010deny jako \u201eproti pran\u00ed \u0161pinav\u00fdch pen\u011bz\u201c. Hotovost se \u00fadajn\u011b t\u00fdk\u00e1 kriminality. Rekapitalizace z vnit\u0159n\u00edch zdroj\u016f maj\u00ed zajistit finan\u010dn\u00ed stabilitu. A digit\u00e1ln\u00ed euro m\u00e1 pos\u00edlit platebn\u00ed suverenitu Evropy. Kupodivu v\u0161ak t\u00e9m\u011b\u0159 ka\u017ed\u00fd z t\u011bchto projekt\u016f v kone\u010dn\u00e9m d\u016fsledku zvy\u0161uje p\u0159edev\u0161\u00edm jednu v\u011bc: schopnost st\u00e1tn\u00edch org\u00e1n\u016f sledovat pen\u011b\u017en\u00ed toky, p\u0159i\u0159azovat majetek a v p\u0159\u00edpad\u011b pot\u0159eby k n\u011bmu m\u00edt p\u0159\u00edstup.<\/span><\/p>\n

Pr\u00e1v\u011b proto by se na CRD VI nem\u011blo pohl\u00ed\u017eet izolovan\u011b, ale sp\u00ed\u0161e jako na sou\u010d\u00e1st ucelen\u00e9ho syst\u00e9mu. Sm\u011brnice nikoho neuzav\u00edr\u00e1 do finan\u010dn\u00ed klece ani p\u0159\u00edmo nezakazuje zahrani\u010dn\u00ed bankovn\u00ed \u00fa\u010dty. Pouze zu\u017euje jednu \u00fanikovou cestu. V r\u00e1mci EU se pen\u00edze ob\u010dan\u016f st\u00e1vaj\u00ed st\u00e1le transparentn\u011bj\u0161\u00edmi, hotovost je p\u0159\u00edsn\u011bji omezov\u00e1na, bankovn\u00ed vklady jsou integrov\u00e1ny do re\u017eimu \u0159e\u0161en\u00ed kriz\u00ed a p\u0159ipravuje se digit\u00e1ln\u00ed euro. Z\u00e1rove\u0148 banky mimo tuto pr\u00e1vn\u00ed oblast budou \u010delit v\u011bt\u0161\u00edm p\u0159ek\u00e1\u017ek\u00e1m, pokud budou cht\u00edt slou\u017eit obyvatel\u016fm EU. Brusel se m\u016f\u017ee pokusit toto v\u0161e prodat jako soubor nezbytn\u00fdch individu\u00e1ln\u00edch opat\u0159en\u00ed. Nicm\u00e9n\u011b v\u00fdsledek lze shrnout pom\u011brn\u011b stru\u010dn\u011b: Finan\u010dn\u00ed svoboda pohybu ob\u010dan\u016f se nezvy\u0161uje. Mo\u017enosti kontroly bruselsk\u00fdch eurokrat\u016f v\u0161ak rozhodn\u011b ano.<\/span><\/p>\n

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Od ledna 2027 bude pro banky mimo EU v\u00fdrazn\u011b obt\u00ed\u017en\u011bj\u0161\u00ed p\u0159\u00edmo obsluhovat z\u00e1kazn\u00edky s bydli\u0161t\u011bm…<\/p>\n","protected":false},"author":2,"featured_media":113968,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7],"tags":[503,41,90,48,3178],"_links":{"self":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/113967"}],"collection":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/comments?post=113967"}],"version-history":[{"count":0,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/113967\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media\/113968"}],"wp:attachment":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media?parent=113967"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/categories?post=113967"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/tags?post=113967"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}