{"id":120584,"date":"2026-11-08T00:15:49","date_gmt":"2026-11-07T23:15:49","guid":{"rendered":"https:\/\/www.infokuryr.cz\/n\/?p=120584"},"modified":"2026-11-07T09:54:39","modified_gmt":"2026-11-07T08:54:39","slug":"bankovni-krach-v-paraguayi-miliony-zmrazenych-uctu-prezident-pod-palbou","status":"publish","type":"post","link":"https:\/\/www.infokuryr.cz\/n\/2026\/11\/08\/bankovni-krach-v-paraguayi-miliony-zmrazenych-uctu-prezident-pod-palbou\/","title":{"rendered":"Bankovn\u00ed krach v Paraguayi: Miliony zmrazen\u00fdch \u00fa\u010dt\u016f \u2013 prezident pod palbou!"},"content":{"rendered":"
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T\u00e9m\u011b\u0159 t\u0159i miliony z\u00e1kazn\u00edk\u016f paraguaysk\u00e9 digit\u00e1ln\u00ed banky Ueno nemaj\u00ed po jej\u00edm krachu p\u0159\u00edstup ke sv\u00fdm pen\u011bz\u016fm. V ohro\u017een\u00ed je zhruba 850 milion\u016f dolar\u016f z ve\u0159ejn\u00fdch fond\u016f, v\u010detn\u011b vklad\u016f ze st\u00e1tn\u00edho penzijn\u00edho fondu. Pochybn\u00e9 \u00fav\u011brov\u00e9 transakce, politick\u00e9 intervence a opo\u017ed\u011bn\u00fd z\u00e1sah bankovn\u00edch regul\u00e1tor\u016f spustil finan\u010dn\u00ed skand\u00e1l, kter\u00fd nyn\u00ed ot\u0159\u00e1sl celou vl\u00e1dou. Prezident Santiago Pe\u00f1a podal rezignaci \u2013 parlament ho v\u0161ak rad\u011bji odvolal z funkce.<\/span><\/strong><\/p>\n

Pro miliony Paraguayc\u016f byl Ueno je\u0161t\u011b p\u0159ed p\u00e1r dny zcela b\u011b\u017enou sou\u010d\u00e1st\u00ed jejich finan\u010dn\u00edho \u017eivota. Instituce byla pova\u017eov\u00e1na za \u00fasp\u011b\u0161n\u00fd p\u0159\u00edb\u011bh digit\u00e1ln\u00edho bankovnictv\u00ed; z\u00e1kazn\u00edci mohli pohodln\u011b spravovat sv\u00e9 bankovn\u00ed transakce prost\u0159ednictv\u00edm chytr\u00e9ho telefonu. Nyn\u00ed \u010del\u00ed zmrazen\u00fdm \u00fa\u010dt\u016fm a nejist\u00e9 budoucnosti. Krach v\u0161ak nep\u0159i\u0161el z ni\u010deho nic. M\u011bs\u00edce p\u0159edt\u00edm se v z\u00e1kulis\u00ed objevovaly zna\u010dn\u00e9 probl\u00e9my, kter\u00e9 dalece p\u0159esahovaly obvykl\u00e9 pot\u00ed\u017ee rychle rostouc\u00ed finan\u010dn\u00ed instituce.<\/span><\/p>\n

V z\u00e1\u0159\u00ed 2025 p\u0159iteklo do banky Ueno dal\u0161\u00edch 36 milion\u016f dolar\u016f z ve\u0159ejn\u00fdch prost\u0159edk\u016f. Ve stejn\u00e9m m\u011bs\u00edci finan\u010dn\u00ed instituce poskytla t\u0159em spole\u010dnostem spojen\u00fdm s jej\u00edmi vlastn\u00edky \u00fav\u011bry v celkov\u00e9 v\u00fd\u0161i t\u00e9m\u011b\u0159 39 milion\u016f dolar\u016f. Tyto \u00fav\u011bry byly poskytnuty bez dostate\u010dn\u00e9ho zaji\u0161t\u011bn\u00ed a n\u011bkter\u00e9 p\u0159ekra\u010dovaly z\u00e1konn\u00e9 limity pro poskytov\u00e1n\u00ed \u00fav\u011br\u016f. Paraguaysk\u00e9 noviny ABC Color o t\u011bchto podez\u0159el\u00fdch transakc\u00edch <\/span>informovaly<\/span><\/a> v polovin\u011b \u0159\u00edjna. Dokumenty sice neprokazuj\u00ed, \u017ee by doty\u010dn\u00e9 \u00fav\u011bry byly p\u0159\u00edmo financov\u00e1ny z vl\u00e1dn\u00edch vklad\u016f, ale ukazuj\u00ed, \u017ee pen\u011b\u017en\u00ed toky se vyv\u00edjely t\u00e9m\u011b\u0159 sou\u010dasn\u011b. \u010c\u00e1sti \u00fav\u011brov\u00fdch \u010d\u00e1stek byly nav\u00edc n\u00e1sledn\u011b p\u0159evedeny na dal\u0161\u00ed spole\u010dnosti v r\u00e1mci stejn\u00e9 korpor\u00e1tn\u00ed skupiny.<\/span><\/p>\n

Celkem Ueno spravovalo p\u0159ibli\u017en\u011b 850 milion\u016f dolar\u016f ve\u0159ejn\u00fdch fond\u016f, v\u010detn\u011b pen\u011bz z N\u00e1rodn\u00edho programu soci\u00e1ln\u00edho zabezpe\u010den\u00ed a d\u016fchod\u016f (IPS). A co bankovn\u00ed regul\u00e1to\u0159i? Ti si byli v\u011bdomi problematick\u00fdch \u00fav\u011brov\u00fdch praktik m\u011bs\u00edce p\u0159ed kolapsem. Ji\u017e 5. \u010dervna 2026 centr\u00e1ln\u00ed banka na\u0159\u00eddila Ueno, aby dodr\u017eovalo z\u00e1konn\u00e9 limity \u00fav\u011br\u016f. Dal\u0161\u00ed intern\u00ed vy\u0161et\u0159ov\u00e1n\u00ed odhalila z\u00e1va\u017en\u00e9 nedostatky v poskytov\u00e1n\u00ed \u00fav\u011br\u016f p\u0159idru\u017een\u00fdm spole\u010dnostem. V \u0159\u00edjnu spole\u010dnost ABC Color <\/span>informovala<\/span><\/a> , \u017ee centr\u00e1ln\u00ed banka zatajila Kongresu kl\u00ed\u010dov\u00e9 informace o t\u011bchto praktik\u00e1ch. Regul\u00e1to\u0159i v\u0161ak zas\u00e1hli a\u017e za\u010d\u00e1tkem listopadu. Dostatek \u010dasu na to, aby se probl\u00e9my d\u00e1le prohloubily.<\/span><\/p>\n

Miliony z\u00e1kazn\u00edk\u016f \u2013 a najednou u\u017e nic nefunguje<\/span><\/h3>\n

B\u011bhem pouh\u00fdch n\u011bkolika let se Ueno Bank stala jednou z nejzn\u00e1m\u011bj\u0161\u00edch finan\u010dn\u00edch instituc\u00ed v Paraguayi. \u0160t\u011bdr\u00e9 nab\u00eddky cashbacku, snadn\u00e9 otev\u00edr\u00e1n\u00ed \u00fa\u010dt\u016f a agresivn\u00ed expanze j\u00ed podle banky z\u00edskaly t\u00e9m\u011b\u0159 t\u0159i miliony z\u00e1kazn\u00edk\u016f. Jej\u00ed slu\u017eby vyu\u017e\u00edvalo v\u00edce ne\u017e 60 procent dosp\u011bl\u00e9 populace. Banka byla oslavov\u00e1na jako uk\u00e1zkov\u00fd p\u0159\u00edklad digitalizace finan\u010dn\u00edho sektoru. Nyn\u00ed miliony lid\u00ed \u010del\u00ed nep\u0159\u00edjemn\u00e9mu zji\u0161t\u011bn\u00ed, \u017ee z\u016fstatek v jejich bankovn\u00ed aplikaci m\u00e1 jen takovou hodnotu, jakou jim umo\u017e\u0148uje vlastn\u00ed solventnost banky.<\/span><\/p>\n

Paraguaysk\u00e1 centr\u00e1ln\u00ed banka kone\u010dn\u011b 2. listopadu zah\u00e1jila proces z\u00e1konn\u00e9ho \u0159e\u0161en\u00ed krize. Po p\u0159ezkoum\u00e1n\u00ed \u00fa\u010detn\u00edch knih banky klesl pom\u011br solventnosti po \u00faprav\u00e1ch rozvahy na m\u00e9n\u011b ne\u017e polovinu po\u017eadovan\u00e9ho minima. \u00dav\u011bry p\u0159idru\u017een\u00fdm spole\u010dnostem, nedostate\u010dn\u00e1 dokumentace a sporn\u00e9 ocen\u011bn\u00ed aktiv v\u00e1\u017en\u011b zat\u00ed\u017eily finan\u010dn\u00ed situaci banky. Regula\u010dn\u00ed org\u00e1n musel <\/span>zas\u00e1hnout<\/span><\/a> , aby zajistil zb\u00fdvaj\u00edc\u00ed aktiva a omezil ztr\u00e1ty vkladatel\u016f.<\/span><\/p>\n

To, \u017ee tento bankovn\u00ed krach nyn\u00ed ot\u0159\u00e1s\u00e1 i vl\u00e1dou, m\u00e1 sv\u00e9 d\u016fvody. Prezident Santiago Pe\u00f1a s\u00e1m vlastnil pod\u00edl ve skupin\u011b V\u00e1zquez, jej\u00ed\u017e obchodn\u00ed imp\u00e9rium zahrnovalo i Ueno, a\u017e do b\u0159ezna 2025. Pop\u00edr\u00e1 jak\u00e9koli p\u0159\u00edm\u00e9 zapojen\u00ed do \u010dinnosti banky. Je\u0161t\u011b znepokojiv\u011bj\u0161\u00ed je v\u0161ak jmenov\u00e1n\u00ed Carlose Carvalla. B\u00fdval\u00fd \u0161\u00e9f Uenovy p\u0159edch\u016fdkyn\u011b byl v roce 2023 jmenov\u00e1n Pe\u00f1ou prezidentem paraguaysk\u00e9 centr\u00e1ln\u00ed banky. B\u00fdval\u00fd vrcholov\u00fd mana\u017eer banky tak st\u00e1l v \u010dele samotn\u00e9ho org\u00e1nu, kter\u00fd m\u011bl nad finan\u010dn\u00ed instituc\u00ed dohl\u00ed\u017eet.<\/span><\/p>\n

Carvallo <\/span>trv\u00e1<\/span><\/a> na tom, \u017ee se z\u0159ekl v\u0161ech rozhodnut\u00ed t\u00fdkaj\u00edc\u00edch se Uena kv\u016fli mo\u017en\u00e9mu st\u0159etu z\u00e1jm\u016f. To nic nem\u011bn\u00ed na skute\u010dnosti, \u017ee regul\u00e1to\u0159i v\u011bd\u011bli o problematick\u00fdch \u00fav\u011brov\u00fdch transakc\u00edch od \u010dervna a proces \u0159e\u0161en\u00ed zah\u00e1jili a\u017e o p\u011bt m\u011bs\u00edc\u016f pozd\u011bji. 3. listopadu byl Carvallo na \u017e\u00e1dost prezidenta donucen rezignovat. Finan\u010dn\u00ed \u0161kody ji\u017e tehdy byly nap\u00e1ch\u00e1ny.<\/span><\/p>\n

\u0160est bankovn\u00edch mana\u017eer\u016f ve v\u011bzen\u00ed \u2013 prezident Pe\u00f1a chce rezignovat<\/span><\/h3>\n

St\u00e1tn\u00ed zastupitelstv\u00ed nyn\u00ed <\/span>vy\u0161et\u0159uje<\/span><\/a> 27 osob z bankovn\u00edho sektoru. \u0160est p\u0159edn\u00edch mana\u017eer\u016f, v\u010detn\u011b zakladatele banky Ueno Miguela V\u00e1zqueze a prezidenta banky Juana Manuela Gustaleho, bylo 5. listopadu vzato do vazby. Dva dal\u0161\u00ed podez\u0159el\u00ed byli um\u00edst\u011bni do dom\u00e1c\u00edho v\u011bzen\u00ed s elektronick\u00fdmi monitory kotn\u00edk\u016f. P\u0159edsedaj\u00edc\u00ed soudce rovn\u011b\u017e na\u0159\u00eddil zmrazen\u00ed majetku a bankovn\u00edch \u00fa\u010dt\u016f pat\u0159\u00edc\u00edch podez\u0159el\u00fdm a n\u011bkolika p\u0159idru\u017een\u00fdm spole\u010dnostem. Vy\u0161et\u0159ov\u00e1n\u00ed se t\u00fdk\u00e1 obvin\u011bn\u00ed ze zpronev\u011bry, pokusu o podvod a dal\u0161\u00edch finan\u010dn\u00edch trestn\u00fdch \u010din\u016f.<\/span><\/p>\n

Pro prezidenta Pe\u00f1u se kolaps banky stal politickou katastrofou. Pot\u00e9, co i \u010d\u00e1sti jeho vlastn\u00ed konzervativn\u00ed Coloradsk\u00e9 strany odvolaly svou podporu, podal ve \u010dtvrtek 5. listopadu rezignaci. Kongres ho v\u0161ak nehodlal jen tak nechat z v\u011bzen\u00ed. Doln\u00ed komora hlasovala v pom\u011bru 78 ku 0 pro zah\u00e1jen\u00ed impeachmentu. N\u00e1sledn\u00e9 zased\u00e1n\u00ed Kongresu, kter\u00e9 m\u011blo form\u00e1ln\u011b p\u0159ijmout jeho rezignaci, selhalo kv\u016fli nedostatku kv\u00f3ra.<\/span><\/p>\n

Spor o formu jeho odchodu m\u00e1 z\u00e1kladn\u00ed p\u0159\u00ed\u010dinu: \u0158\u00e1dn\u00e1 rezignace by Pe\u00f1ovi jako b\u00fdval\u00e9mu prezidentovi zaru\u010dila do\u017eivotn\u00ed status sen\u00e1tora spolu s parlamentn\u00ed ochranou. Impeachment by mu tuto mo\u017enost znemo\u017enil. Jeho politi\u010dt\u00ed oponenti mu cht\u011bj\u00ed <\/span>zabr\u00e1nit<\/span><\/a> v tom, aby tuto mo\u017enost vyu\u017eil k vyhnut\u00ed se potenci\u00e1ln\u00edmu trestn\u00edmu st\u00edh\u00e1n\u00ed. Pe\u00f1a jak\u00e9koli osobn\u00ed provin\u011bn\u00ed pop\u00edr\u00e1. Po ne\u00fasp\u011b\u0161n\u00e9m hlasov\u00e1n\u00ed zpo\u010d\u00e1tku form\u00e1ln\u011b z\u016fstal ve funkci, zat\u00edmco impeachment pokra\u010doval.<\/span><\/p>\n

Chr\u00e1n\u011bno je 97 procent st\u0159adatel\u016f \u2013 ale pouze 30 procent vklad\u016f<\/span><\/h3>\n

Zat\u00edmco bankovn\u00ed mana\u017ee\u0159i a politici se nyn\u00ed mus\u00ed vypo\u0159\u00e1dat s prokur\u00e1tory a parlamentn\u00edmi vy\u0161et\u0159ovac\u00edmi v\u00fdbory, miliony Paraguayc\u016f maj\u00ed zcela jin\u00e9 starosti. Aplikace Ueno ji\u017e nefunguje jako obvykle a bankovn\u00ed karty a p\u0159evody jsou blokov\u00e1ny. Dokonce i dal\u0161\u00ed finan\u010dn\u00ed instituce se pot\u00fdkaly s technick\u00fdmi probl\u00e9my, proto\u017ee se mnoho posti\u017een\u00fdch osob pokusilo otev\u0159\u00edt nov\u00e9 \u00fa\u010dty sou\u010dasn\u011b. Ka\u017ed\u00fd, kdo se spol\u00e9h\u00e1 na sv\u00e9 \u00faspory p\u0159i n\u00e1kupu potravin, placen\u00ed \u00fa\u010dt\u016f nebo udr\u017eov\u00e1n\u00ed chodu sv\u00e9ho podnik\u00e1n\u00ed, \u010del\u00ed v\u00e1\u017en\u00e9mu probl\u00e9mu.<\/span><\/p>\n

Centr\u00e1ln\u00ed banka se nyn\u00ed <\/span>sna\u017e\u00ed<\/span><\/a> omezit \u0161kody prost\u0159ednictv\u00edm st\u00e1tn\u00edho fondu poji\u0161t\u011bn\u00ed vklad\u016f. Vklady a\u017e do v\u00fd\u0161e 228,3 milionu guaran\u00ed na klienta, co\u017e odpov\u00edd\u00e1 p\u0159ibli\u017en\u011b 36 000 dolar\u016fm, jsou z\u00e1konem chr\u00e1n\u011bny. Dne 5. listopadu \u00fa\u0159ad ozn\u00e1mil po\u010d\u00e1te\u010dn\u00ed v\u00fdplaty klient\u016fm se z\u016fstatky a\u017e do v\u00fd\u0161e deseti milion\u016f guaran\u00ed, pokud nemaj\u00ed \u017e\u00e1dn\u00e9 nesplacen\u00e9 dluhy u spole\u010dnosti Ueno a ji\u017e maj\u00ed \u00fa\u010det u jin\u00e9 banky. O\u010dek\u00e1v\u00e1 se, \u017ee dal\u0161\u00ed skupiny klient\u016f budou n\u00e1sledovat. Jednotlivci v\u0161ak mus\u00ed po\u010dkat, a\u017e \u00fa\u0159ady zpracuj\u00ed jejich vklady.<\/span><\/p>\n

A z\u00e1konn\u00e9 poji\u0161t\u011bn\u00ed vklad\u016f m\u00e1 sv\u00e1 omezen\u00ed. Zat\u00edmco centr\u00e1ln\u00ed banka tvrd\u00ed, \u017ee je pln\u011b chr\u00e1n\u011bno p\u0159ibli\u017en\u011b 97 procent vkladatel\u016f, <\/span>v\u00fdpo\u010dty<\/span><\/a> ratingov\u00e9 agentury Moody’s ukazuj\u00ed, \u017ee se t\u00edm pokr\u00fdv\u00e1 pouze asi 30 procent celkov\u00e9ho objemu vklad\u016f. Firmy, bohat\u00ed soukrom\u00ed klienti a ve\u0159ejn\u00e9 instituce mus\u00ed doufat, \u017ee v p\u0159\u00edpad\u011b restrukturalizace banky z\u016fstane dostatek aktiv. Riziko potenci\u00e1ln\u00edch ztr\u00e1t jim v\u0161ak z\u016fst\u00e1v\u00e1.<\/span><\/p>\n

Kolaps bankovnictv\u00ed v Paraguayi tak\u00e9 zd\u016fraz\u0148uje nebezpe\u010d\u00ed st\u00e1le rostouc\u00ed z\u00e1vislosti na digit\u00e1ln\u00edch platb\u00e1ch. Ueno zkrachovalo kv\u016fli z\u00e1va\u017en\u00fdm finan\u010dn\u00edm nesrovnalostem. Miliony z\u00e1kazn\u00edk\u016f v\u0161ak nyn\u00ed za\u017e\u00edvaj\u00ed, jak rychle mohou ztratit p\u0159\u00edstup k vlastn\u00edm pen\u011bz\u016fm. Je ironi\u00ed, \u017ee pr\u00e1v\u011b ve chv\u00edli, kdy se tato rizika st\u00e1vaj\u00ed z\u0159ejm\u00fdmi, eurokrat\u00e9 prosazuj\u00ed digit\u00e1ln\u00ed euro a dal\u0161\u00ed omezen\u00ed hotovostn\u00edch transakc\u00ed. Report24 opakovan\u011b <\/span>varoval<\/span><\/a> p\u0159ed rostouc\u00ed z\u00e1vislost\u00ed na elektronick\u00fdch platebn\u00edch syst\u00e9mech . Odv\u00e1\u017en\u00fd nov\u00fd sv\u011bt financ\u00ed slibuje pohodl\u00ed, rychlost a snadno dostupn\u00e9 finan\u010dn\u00ed prost\u0159edky. V Paraguayi miliony lid\u00ed pr\u00e1v\u011b za\u017eily, jak malou hodnotu mohou tyto sliby m\u00edt v krizi.<\/span><\/p>\n

Report24<\/a><\/span><\/em><\/strong><\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

T\u00e9m\u011b\u0159 t\u0159i miliony z\u00e1kazn\u00edk\u016f paraguaysk\u00e9 digit\u00e1ln\u00ed banky Ueno nemaj\u00ed po jej\u00edm krachu p\u0159\u00edstup ke sv\u00fdm…<\/p>\n","protected":false},"author":2,"featured_media":120585,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7],"tags":[528,2888,11993,12005],"_links":{"self":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/120584"}],"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=120584"}],"version-history":[{"count":0,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/120584\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media\/120585"}],"wp:attachment":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media?parent=120584"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/categories?post=120584"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/tags?post=120584"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}