{"id":25219,"date":"2023-03-28T01:04:58","date_gmt":"2023-03-27T23:04:58","guid":{"rendered":"http:\/\/www.infokuryr.cz\/n\/?p=25219"},"modified":"2023-03-27T09:57:46","modified_gmt":"2023-03-27T07:57:46","slug":"vlna-bankovni-paniky-zachvatila-usa-a-evropu-a-socialni-site-a-aplikace-ji-jeste-zhorsily","status":"publish","type":"post","link":"https:\/\/www.infokuryr.cz\/n\/2023\/03\/28\/vlna-bankovni-paniky-zachvatila-usa-a-evropu-a-socialni-site-a-aplikace-ji-jeste-zhorsily\/","title":{"rendered":"Vlna bankovn\u00ed paniky zachv\u00e1tila USA a Evropu a soci\u00e1ln\u00ed s\u00edt\u011b a aplikace ji je\u0161t\u011b zhor\u0161ily"},"content":{"rendered":"<div id=\"fb-root\"><\/div>\n<p><strong>Ned\u00e1vno zachv\u00e1tila USA a Evropu dal\u0161\u00ed vlna bankovn\u00ed paniky, kter\u00e1 je nyn\u00ed v pln\u00e9m proudu, p\u00ed\u0161e El Pa\u00eds.\u00a0Situace se Silicon Valley Bank a Credit Suisse z\u00e1rove\u0148 uk\u00e1zala, \u017ee sektor \u010del\u00ed nov\u00fdm rizik\u016fm, jako je rychlost odlivu finan\u010dn\u00edch prost\u0159edk\u016f a tak\u00e9 \u0161\u00ed\u0159en\u00ed \u0161patn\u00fdch zpr\u00e1v a f\u00e1m.<\/strong><\/p>\n<p>Bankovn\u00ed panika je v pln\u00e9m proudu: v dob\u011b aplikac\u00ed a soci\u00e1ln\u00edch s\u00edt\u00ed pen\u00edze prost\u011b l\u00e9taj\u00ed, p\u00ed\u0161e El Pa\u00eds.<\/p>\n<p>P\u0159\u00edpady jako Silicon Valley Bank a Credit Suisse ukazuj\u00ed, jak sektor \u010del\u00ed nov\u00fdm rizik\u016fm, jako je rychlost odlivu, \u0161\u00ed\u0159en\u00ed \u0161patn\u00fdch zpr\u00e1v a f\u00e1m.<\/p>\n<p>Publikace p\u0159ipom\u00edn\u00e1 incident, kter\u00fd se odehr\u00e1l v kv\u011btnu 2019 a z\u016fstal z velk\u00e9 \u010d\u00e1sti bez pov\u0161imnut\u00ed.\u00a0V t\u00e9 dob\u011b bylo n\u011bkolik pobo\u010dek Metro Bank v z\u00e1padn\u00edm Lond\u00fdn\u011b n\u00e1hle oble\u017eeno davy z\u00e1kazn\u00edk\u016f po\u017eaduj\u00edc\u00edch vr\u00e1cen\u00ed sv\u00fdch pen\u011bz a \u0161perk\u016f ulo\u017een\u00fdch v bankovn\u00edch trezorech.\u00a0Pot\u00e9 se p\u0159es WhatsApp roz\u0161\u00ed\u0159ila zpr\u00e1va, \u017ee bankrot t\u00e9to finan\u010dn\u00ed instituce nen\u00ed daleko.<\/p>\n<p>Banka ozna\u010dila tyto informace za nepodlo\u017een\u00e9 f\u00e1my.\u00a0Jej\u00ed kotace na burze klesly, ale nakonec se situace uklidnila a banka p\u0159e\u017eila.<\/p>\n<p>O \u010dty\u0159i roky pozd\u011bji zachv\u00e1tila Spojen\u00e9 st\u00e1ty a Evropu nov\u00e1 vlna bankovn\u00ed paniky.\u00a0A v t\u011bchto p\u0159\u00edpadech je zar\u00e1\u017eej\u00edc\u00ed jedna v\u011bc: bu\u010f se nest\u00e1ly fronty, nebo jich bylo tak m\u00e1lo, \u017ee neovlivnily kone\u010dn\u00fd osud po\u0161kozen\u00e9ho.<\/p>\n<p>Ned\u00e1vn\u00fd p\u00e1d Silicon Valley Bank (SVB) otev\u0159el sez\u00f3nu pro sou\u010dasnou bankovn\u00ed krizi.\u00a0Toto nen\u00ed prvn\u00ed ani posledn\u00ed finan\u010dn\u00ed instituce, kter\u00e1 zkrachovala, ale jej\u00ed kolaps m\u011bl jednu vlastnost, d\u00edky kter\u00e9 je tato situace jedine\u010dn\u00e1: 42 miliard dolar\u016f bylo vybr\u00e1no za pouh\u00fdch 10 hodin, to znamen\u00e1, \u017ee rychlost byla v\u00edce ne\u017e 1 milion dolar\u016f za sekundu \u2013 nejrychlej\u0161\u00ed let vklady v historii.<\/p>\n<p>Situace s SVB se stala symbolem nov\u00fdch rizik, kter\u00fdm banky nyn\u00ed \u010del\u00ed.\u00a0Digit\u00e1ln\u00ed aplikace umo\u017e\u0148uj\u00ed p\u0159ev\u00e1d\u011bt pen\u00edze okam\u017eit\u011b, ani\u017e by \u00fa\u0159ad\u016fm poskytly \u010das na nal\u00e9hav\u00fd z\u00e1sah.\u00a0Tato kauza se nav\u00edc stala dal\u0161\u00edm fenom\u00e9nem posledn\u00ed doby, kdy se rozruch vzbud\u00ed kv\u016fli varov\u00e1n\u00edm o bankovn\u00edch probl\u00e9mech koluj\u00edc\u00edch na soci\u00e1ln\u00edch s\u00edt\u00edch.<\/p>\n<p>A nejde jen o SVB a bur\u00e1cej\u00edc\u00ed americk\u00e9 soci\u00e1ln\u00ed s\u00edt\u011b.\u00a0Kdy\u017e se v pom\u011brn\u011b klidn\u00e9m \u0160v\u00fdcarsku na ned\u011bln\u00ed tiskov\u00e9 konferenci p\u0159edsedy Credit Suisse Axela Lehmanna zeptali na p\u0159evzet\u00ed jeho finan\u010dn\u00ed instituce UBS a na to, kdo je za katastrofu odpov\u011bdn\u00fd, odk\u00e1zal na \u201ebou\u0159i na soci\u00e1ln\u00edch s\u00edt\u00edch\u201c\u00a0<em>.<\/em>, kter\u00e1 propukla loni na podzim.\u00a0Mnoz\u00ed ho za to kritizovali a pova\u017eovali tuto odpov\u011b\u010f za pokus nen\u00e9st odpov\u011bdnost.<\/p>\n<p>Jak publikace vysv\u011btluje, Lehmann odkazoval na tweet, kter\u00fd zve\u0159ejnil a pot\u00e9 smazal australsk\u00fd obchodn\u00ed novin\u00e1\u0159 David Taylor z ABC.\u00a0Tweet nazna\u010dil, \u017ee velk\u00e1 mezin\u00e1rodn\u00ed banka je na pokraji bankrotu.\u00a0V\u0161ichni okam\u017eit\u011b p\u0159i\u0161li na to, \u017ee se bav\u00edme o Credit Suisse.<\/p>\n<p>Dal\u0161\u00edm boji\u0161t\u011bm byla \u017ealoba banky proti platform\u011b Inside Paradeplatz, kter\u00e1 sd\u00edl\u00ed d\u016fv\u011brn\u00e9 informace o vnit\u0159n\u00edch z\u00e1le\u017eitostech \u0161v\u00fdcarsk\u00fdch organizac\u00ed.\u00a0Tato str\u00e1nka je pojmenov\u00e1na podle cury\u0161sk\u00e9ho n\u00e1m\u011bst\u00ed, kde s\u00eddl\u00ed UBS a Credit Suisse.<\/p>\n<p>V\u00fdsledkem je, \u017ee klienti posledn\u011b jmenovan\u00e9ho vybrali v roce 2022 ze sv\u00fdch \u00fa\u010dt\u016f zhruba 123 miliard eur, p\u0159i\u010dem\u017e v\u011bt\u0161inu z t\u00e9to \u010d\u00e1stky v posledn\u00edm \u010dtvrtlet\u00ed.<\/p>\n<p>\u0160v\u00fdcarsk\u00e1 n\u00e1rodn\u00ed banka, n\u011bkolik dn\u00ed p\u0159ed krachem Credit Suisse, trvala na tom, \u017ee spole\u010dnost m\u00e1 dostate\u010dnou likviditu a kapit\u00e1l.\u00a0A jejich ofici\u00e1ln\u00ed \u00fadaje to potvrdily.\u00a0To, \u017ee se banka bez ciz\u00ed pomoci ji\u017e neobejde, se uk\u00e1zalo, kdy\u017e bylo z \u00fa\u010dt\u016f v t\u00e9to finan\u010dn\u00ed instituci b\u011bhem n\u011bkolika dn\u00ed vybr\u00e1no asi 10 miliard a za dve\u0159mi jej\u00edch pobo\u010dek se bez jedin\u00e9ho v\u00fdk\u0159iku roz\u0161\u00ed\u0159ila krize d\u016fv\u011bry.<\/p>\n<p>Z\u00e1kazn\u00edci, neviditeln\u00ed jako duchov\u00e9, dlouho \u010detli zpr\u00e1vy o skand\u00e1lech a \u0161patn\u00fdch v\u00fdsledc\u00edch banky, sledovali debatu na soci\u00e1ln\u00edch s\u00edt\u00edch kolem n\u00ed a bedliv\u011b sledovali americkou bankovn\u00ed krizi.\u00a0Ti obez\u0159etn\u011bj\u0161\u00ed p\u0159esouvali sv\u00e9 pen\u00edze stejn\u011b bezohledn\u011b jako \u010dist\u011b, a to pomoc\u00ed pohodln\u00fdch, levn\u00fdch a rychl\u00fdch aplikac\u00ed navr\u017een\u00fdch speci\u00e1ln\u011b tak, aby z\u00e1kazn\u00edk\u016fm usnadnily transakce a t\u00edm si je udr\u017eely, poznamen\u00e1v\u00e1 El Pa\u00eds.<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-1185\" src=\"http:\/\/www.infokuryr.cz\/n\/wp-content\/uploads\/2021\/04\/kuryr-podpis.png\" alt=\"\" width=\"84\" height=\"24\" \/><\/p>\n<p>&nbsp;<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-19187 aligncenter\" src=\"http:\/\/www.infokuryr.cz\/n\/wp-content\/uploads\/2022\/12\/1-PRO-300x36.jpg\" alt=\"\" width=\"1292\" height=\"155\" srcset=\"https:\/\/www.infokuryr.cz\/n\/wp-content\/uploads\/2022\/12\/1-PRO-300x36.jpg 300w, https:\/\/www.infokuryr.cz\/n\/wp-content\/uploads\/2022\/12\/1-PRO.jpg 699w\" sizes=\"(max-width: 1292px) 100vw, 1292px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-24737 aligncenter\" src=\"http:\/\/www.infokuryr.cz\/n\/wp-content\/uploads\/2023\/03\/cesko_proti_bide2-239x300.png\" alt=\"\" width=\"822\" height=\"1032\" srcset=\"https:\/\/www.infokuryr.cz\/n\/wp-content\/uploads\/2023\/03\/cesko_proti_bide2-239x300.png 239w, https:\/\/www.infokuryr.cz\/n\/wp-content\/uploads\/2023\/03\/cesko_proti_bide2-816x1024.png 816w, https:\/\/www.infokuryr.cz\/n\/wp-content\/uploads\/2023\/03\/cesko_proti_bide2-768x964.png 768w, https:\/\/www.infokuryr.cz\/n\/wp-content\/uploads\/2023\/03\/cesko_proti_bide2.png 846w\" sizes=\"(max-width: 822px) 100vw, 822px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ned\u00e1vno zachv\u00e1tila USA a Evropu dal\u0161\u00ed vlna bankovn\u00ed paniky, kter\u00e1 je nyn\u00ed v pln\u00e9m proudu,&#8230;<\/p>\n","protected":false},"author":2,"featured_media":24579,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7],"tags":[1042,503,283,371,37],"_links":{"self":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/25219"}],"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=25219"}],"version-history":[{"count":0,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/25219\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media\/24579"}],"wp:attachment":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media?parent=25219"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/categories?post=25219"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/tags?post=25219"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}