{"id":40003,"date":"2023-11-10T08:40:25","date_gmt":"2023-11-10T07:40:25","guid":{"rendered":"https:\/\/www.infokuryr.cz\/n\/?p=40003"},"modified":"2023-11-10T08:40:25","modified_gmt":"2023-11-10T07:40:25","slug":"michael-snyder-zda-se-ze-mame-velky-problem-s-bankami","status":"publish","type":"post","link":"https:\/\/www.infokuryr.cz\/n\/2023\/11\/10\/michael-snyder-zda-se-ze-mame-velky-problem-s-bankami\/","title":{"rendered":"Michael Snyder: Zd\u00e1 se, \u017ee m\u00e1me velk\u00fd probl\u00e9m s bankami"},"content":{"rendered":"
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V posledn\u00edch t\u00fddnech do\u0161lo k mnoha v\u00fdznamn\u00fdm bankovn\u00edm \u201ene\u0161t\u011bst\u00edm\u201c, \u00fa\u010dty byly zav\u00edr\u00e1ny bez varov\u00e1n\u00ed z\u00e1vratn\u00fdm tempem po cel\u00e9 zemi a st\u00e1le v\u00edce instituc\u00ed se dost\u00e1valo do v\u00e1\u017en\u00fdch finan\u010dn\u00edch probl\u00e9m\u016f.\u00a0N\u011bjakou dobu jsem n\u011bkter\u00e9 z t\u011bchto zpr\u00e1v ignoroval v domn\u011bn\u00ed, \u017ee jde o ojedin\u011bl\u00e9 p\u0159\u00edpady.\u00a0Ale kdy\u017e ustoup\u00edte a pod\u00edv\u00e1te se na v\u011bci z \u0161ir\u0161\u00ed perspektivy, opravdu to vypad\u00e1, \u017ee m\u00e1me velk\u00fd probl\u00e9m s bankami.<\/span><\/p>\n

Podle CNN<\/span><\/a>\u00a0bylo v p\u00e1tek mnoho na\u0161ich nejv\u011bt\u0161\u00edch bank \u201ezasa\u017eeno zpo\u017ed\u011bn\u00edm vklad\u016f\u201c\u2026<\/span><\/p>\n

Podle Feder\u00e1ln\u00edho rezervn\u00edho syst\u00e9mu bylo n\u011bkolik americk\u00fdch bank v p\u00e1tek zasa\u017eeno zpo\u017ed\u011bn\u00edm p\u0159i ukl\u00e1d\u00e1n\u00ed finan\u010dn\u00edch prost\u0159edk\u016f zp\u016fsoben\u00fdm chybou v platebn\u00ed s\u00edti.<\/span><\/em><\/p>\n

Clearingov\u00e9 centrum, kter\u00e9 provozuje syst\u00e9m Automated Clearing House, kter\u00fd umo\u017e\u0148uje bank\u00e1m zas\u00edlat si elektronick\u00e9 platby mezi sebou, zaznamenalo chybu p\u0159i zpracov\u00e1n\u00ed v \u0159ad\u011b bankovn\u00edch transakc\u00ed.\u00a0Banky zas\u00edlaj\u00ed v\u0161echny typy plateb prost\u0159ednictv\u00edm syst\u00e9mu ACH, od p\u0159\u00edm\u00e9ho vkladu v\u00fdplat po placen\u00ed hypot\u00e9k a \u00fa\u010dt\u016f za energie.<\/span><\/em><\/p>\n

To zp\u016fsobilo obrovsk\u00e9 zoufalstv\u00ed, proto\u017ee v\u00fdplaty se na \u00fa\u010dtech mnoha lid\u00ed neobjevily.<\/span><\/p>\n

A vzhledem k tomu, \u017ee v\u00edce ne\u017e 60 procent lid\u00ed v t\u00e9to zemi\u00a0<\/span>\u017eije od v\u00fdplaty k v\u00fdplat\u011b<\/span><\/a>\u00a0, je to velk\u00fd probl\u00e9m.<\/span><\/p>\n

Je neuv\u011b\u0159iteln\u00e9, \u017ee n\u011bkter\u00e9 banky se st\u00e1le sna\u017e\u00ed probl\u00e9m vy\u0159e\u0161it.\u00a0Toto je zpr\u00e1va, kterou PNC Bank zve\u0159ejnila na Twitteru\u00a0<\/span>v ned\u011bli<\/span><\/a>\u00a0…<\/span><\/p>\n

Dobr\u00e9 r\u00e1no, Amy.\u00a0Kv\u016fli zpo\u017ed\u011bn\u00ed v cel\u00e9m odv\u011btv\u00ed ve feder\u00e1ln\u00edch transakc\u00edch ACH nebyly n\u011bkter\u00e9 kredity a debety ACH, v\u010detn\u011b n\u011bkter\u00fdch p\u0159\u00edm\u00fdch vklad\u016f, zpracov\u00e1ny.\u00a0Doporu\u010dujeme v\u00e1m kontaktovat sv\u00e9ho zam\u011bstnavatele nebo poskytovatele ACH pro v\u00edce informac\u00ed.\u00a0D\u011bkujeme ti.<\/span><\/em><\/p>\n

Letos se v bank\u00e1ch stalo tolik \u201ene\u0161t\u011bst\u00ed\u201c.<\/span><\/p>\n

Tak pro\u010d se to d\u011bje te\u010f?<\/span><\/p>\n

Mohl tento ned\u00e1vn\u00fd incident zp\u016fsobit kybernetick\u00fd \u00fatok?<\/span><\/p>\n

K\u00e9\u017e bych m\u011bl odpov\u011bdi na tyto ot\u00e1zky.<\/span><\/p>\n

Mezit\u00edm banky po cel\u00fdch Spojen\u00fdch st\u00e1tech najednou bez varov\u00e1n\u00ed<\/a>\u00a0zav\u00edraj\u00ed tis\u00edce \u00fa\u010dt\u016f …<\/span><\/p>\n

D\u016fvody jsou r\u016fzn\u00e9, ale sc\u00e9na, kter\u00e1 se odehr\u00e1v\u00e1, je t\u00e9m\u011b\u0159 v\u017edy stejn\u00e1.<\/span><\/em><\/p>\n

Klienti bank obdr\u017e\u00ed dopis, kter\u00fd je informuje, \u017ee jejich instituce uzav\u00edr\u00e1 v\u0161echny b\u011b\u017en\u00e9 a spo\u0159ic\u00ed \u00fa\u010dty.\u00a0Jejich debetn\u00ed a kreditn\u00ed karty budou tak\u00e9 uzav\u0159eny.\u00a0Vysv\u011btlen\u00ed, pokud existuje, obvykle postr\u00e1d\u00e1 jak\u00fdkoli u\u017eite\u010dn\u00fd detail.<\/span><\/em><\/p>\n

Dok\u00e1\u017eete si p\u0159edstavit, jak byste se c\u00edtili, kdyby va\u0161e karty n\u00e1hle p\u0159estaly fungovat a vy byste nem\u011bli p\u0159\u00edstup ke sv\u00fdm pen\u011bz\u016fm?<\/span><\/p>\n

V sou\u010dasn\u00e9 dob\u011b za\u017e\u00edv\u00e1me tsunami \u201e\u00a0<\/span>sni\u017eov\u00e1n\u00ed rizika<\/span><\/a>\u00a0\u201c bankami, jak\u00e9 jsme nikdy p\u0159edt\u00edm nevid\u011bli\u2026<\/span><\/p>\n

Nebo mo\u017en\u00e1 z\u00e1kazn\u00edci dopis ani neuvid\u00ed nebo ho ani nedostanou. M\u00edsto toho zjist\u00ed, \u017ee jejich \u00fa\u010dty p\u0159est\u00e1vaj\u00ed fungovat, kdy\u017e jsou v obchod\u011b s potravinami, u p\u0159ep\u00e1\u017eky p\u016fj\u010dovny aut nebo v bankomatu.\u00a0„Ach, ne, je n\u00e1m to l\u00edto,“ \u0159\u00edkaj\u00ed.\u00a0\u201eUd\u011bl\u00e1me v\u0161e, co je v na\u0161ich sil\u00e1ch, abychom probl\u00e9m vy\u0159e\u0161ili.<\/span><\/em><\/p>\n

Ale pak p\u0159ijde v\u00fdmluvn\u00e1 pauza a zm\u011bna t\u00f3nu.\u00a0\u201ePodle va\u0161\u00ed smlouvy o \u00fa\u010dtu m\u016f\u017eeme v\u00e1\u0161 \u00fa\u010det kdykoli z jak\u00e9hokoli d\u016fvodu uzav\u0159\u00edt,\u201c \u0159\u00edkaj\u00ed \u010dasto.<\/span><\/em><\/p>\n

Banky tyto situace ozna\u010duj\u00ed jako \u201eexit\u201c nebo \u201ede-risking\u201c.<\/span><\/em><\/p>\n

Pro m\u011b je to jeden z nejv\u00edce alarmuj\u00edc\u00edch finan\u010dn\u00edch trend\u016f, kter\u00e9 jsem za dlouhou dobu vid\u011bl.<\/span><\/p>\n

Aby toho nebylo m\u00e1lo, Citizens Bank v Iow\u011b je \u0161estou americkou bankou, kter\u00e1 letos zkrachovala.\u00a0N\u00e1sleduj\u00edc\u00ed je\u00a0<\/span>z tiskov\u00e9 zpr\u00e1vy FDIC\u2026<\/span><\/a><\/p>\n

Citizens Bank, Sac City, Iowa, byla dnes uzav\u0159ena Iowa Division of Banking, kter\u00e1 jmenovala Federal Deposit Insurance Corporation (FDIC) spr\u00e1vcem.\u00a0Za \u00fa\u010delem ochrany vkladatel\u016f uzav\u0159ela FDIC kupn\u00ed a akvizi\u010dn\u00ed smlouvu s Iowa Trust & Savings Bank, Emmetsburg, Iowa, aby p\u0159evzala v\u0161echny vklady Citizens Bank.<\/span><\/em><\/p>\n

Dv\u011b pobo\u010dky Citizens Bank se znovu otev\u0159ou v pond\u011bl\u00ed, proto\u017ee pobo\u010dky Iowa Trust & Savings Bank b\u011bhem b\u011b\u017en\u00e9 pracovn\u00ed doby.\u00a0Dnes ve\u010der a p\u0159es v\u00edkend mohou z\u00e1kazn\u00edci Citizens Bank z\u00edskat p\u0159\u00edstup ke sv\u00fdm pen\u011bz\u016fm vypisov\u00e1n\u00edm \u0161ek\u016f nebo pou\u017e\u00edv\u00e1n\u00edm bankomat\u016f a debetn\u00edch karet.\u00a0\u0160eky vystaven\u00e9 v bance budou nad\u00e1le zpracov\u00e1v\u00e1ny.\u00a0Klienti p\u016fj\u010dky by m\u011bli platit jako obvykle.<\/span><\/em><\/p>\n

Vkladatel\u00e9 Citizens Bank se stanou vkladateli Iowa Trust & Savings Bank, tak\u017ee z\u00e1kazn\u00edci nebudou muset m\u011bnit sv\u00e9 bankovn\u00ed \u00fadaje, aby si zachovali poji\u0161t\u011bn\u00ed vklad\u016f.\u00a0Z\u00e1kazn\u00edci Citizens Bank by m\u011bli nad\u00e1le pou\u017e\u00edvat svou sou\u010dasnou pobo\u010dku, dokud neobdr\u017e\u00ed ozn\u00e1men\u00ed od Iowa Trust & Savings Bank, \u017ee dokon\u010dila p\u0159echod syst\u00e9mu, aby jejich pobo\u010dky mohly tak\u00e9 zpracov\u00e1vat jejich \u00fa\u010dty.<\/span><\/em><\/p>\n

K 30. z\u00e1\u0159\u00ed 2023 m\u011bla Citizens Bank celkov\u00e1 aktiva p\u0159ibli\u017en\u011b 66 milion\u016f USD a vklady 59 milion\u016f USD.\u00a0Krom\u011b p\u0159evzet\u00ed v\u0161ech vklad\u016f souhlasila Iowa Trust & Savings Bank s akvizic\u00ed v podstat\u011b v\u0161ech aktiv zkrachoval\u00e9 banky.<\/span><\/em><\/p>\n

Americk\u00e9 banky sed\u00ed na naprosto kolos\u00e1ln\u00ed ho\u0159e nerealizovan\u00fdch ztr\u00e1t.<\/span><\/p>\n

Je tedy jen ot\u00e1zkou \u010dasu, kdy sel\u017eou dal\u0161\u00ed.<\/span><\/p>\n

A dal\u0161\u00ed typy finan\u010dn\u00edch instituc\u00ed jsou tak\u00e9 na nejist\u00fdch z\u00e1kladech.<\/span><\/p>\n

Nejv\u011bt\u0161\u00ed k\u00f3tovan\u00e1 makl\u00e9\u0159sk\u00e1 firma v zemi za\u010dala\u00a0<\/span>propou\u0161t\u011bt velk\u00e9 mno\u017estv\u00ed zam\u011bstnanc\u016f…<\/span><\/a><\/p>\n

Charles Schwab za\u010dal v pond\u011bl\u00ed propou\u0161t\u011bt zam\u011bstnance nap\u0159\u00ed\u010d spole\u010dnost\u00ed.<\/span><\/em><\/p>\n

Schwab, nejv\u011bt\u0161\u00ed ve\u0159ejn\u011b obchodovan\u00fd americk\u00fd makl\u00e9\u0159, nezve\u0159ejnil, kolik zam\u011bstnanc\u016f bylo posti\u017eeno v intern\u00ed zpr\u00e1v\u011b, kterou vid\u011bl The Wall Street Journal.\u00a0N\u011bkte\u0159\u00ed ze zb\u00fdvaj\u00edc\u00edch zam\u011bstnanc\u016f dostanou podle ozn\u00e1men\u00ed nov\u00e9 pozice nebo mana\u017eery.<\/span><\/em><\/p>\n

Propou\u0161t\u011bn\u00ed se samoz\u0159ejm\u011b zrychluje od pob\u0159e\u017e\u00ed k pob\u0159e\u017e\u00ed.<\/span><\/p>\n

Podle Zero Hedge<\/span><\/a>\u00a0se po\u010det zam\u011bstnan\u00fdch Ameri\u010dan\u016f minul\u00fd m\u011bs\u00edc sn\u00ed\u017eil o 348 000…<\/span><\/p>\n

Ano, v\u00fdplatn\u00ed p\u00e1ska m\u016f\u017ee b\u00fdt st\u00e1le kladn\u00e1, ale skute\u010dn\u00e1 zm\u011bna m\u011bs\u00ed\u010dn\u00edho zam\u011bstn\u00e1n\u00ed nikoli.\u00a0Po\u010det americk\u00fdch zam\u011bstnavatel\u016f toti\u017e v \u0159\u00edjnu klesl o 348 000 (podle pr\u016fzkumu dom\u00e1cnost\u00ed).\u00a0Jednalo se o druh\u00e9 negativn\u00ed \u010dten\u00ed v tomto roce a sedm\u00fd negativn\u00ed m\u011bs\u00edc zam\u011bstnanosti od krachu Covidu.\u00a0Je ironi\u00ed, \u017ee od t\u00e9 doby do\u0161lo pouze k jednomu negativn\u00edmu m\u011bs\u00edci zam\u011bstnanosti, co\u017e d\u00e1v\u00e1 smysl vzhledem k tomu, \u017ee nefarm\u00e1\u0159sk\u00e9 v\u00fdplatn\u00ed listiny jsou mnohem m\u00e9n\u011b p\u0159esn\u00e9 a mnohem v\u00edce manipulovan\u00e9 kv\u016fli jejich povaze ovliv\u0148uj\u00edc\u00ed trh.\u00a0Propad zam\u011bstnanosti v kombinaci s prudk\u00fdm n\u00e1r\u016fstem po\u010dtu nezam\u011bstnan\u00fdch (o 146 000) je tak\u00e9 d\u016fvodem ne\u010dekan\u00e9ho n\u00e1r\u016fstu m\u00edry nezam\u011bstnanosti.<\/span><\/em><\/p>\n

Ekonomick\u00e9 ot\u0159esy propukaj\u00ed v\u0161ude kolem n\u00e1s a\u00a0na cest\u011b je\u00a0<\/span>mnohem v\u011bt\u0161\u00ed chaos .<\/span><\/a><\/p>\n

Douf\u00e1m tedy, \u017ee jste se p\u0159ipravili na velmi t\u011b\u017ek\u00e9 ekonomick\u00e9 \u010dasy, proto\u017ee tempo zm\u011bn se odsud bude jen zrychlovat.<\/span><\/p>\n<\/div>\n<\/div>\n

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ZDROJ<\/a><\/span><\/h3>\n<\/div>\n<\/div>\n

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V posledn\u00edch t\u00fddnech do\u0161lo k mnoha v\u00fdznamn\u00fdm bankovn\u00edm \u201ene\u0161t\u011bst\u00edm\u201c, \u00fa\u010dty byly zav\u00edr\u00e1ny bez varov\u00e1n\u00ed z\u00e1vratn\u00fdm…<\/p>\n","protected":false},"author":2,"featured_media":40004,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7],"tags":[503,45,371],"_links":{"self":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/40003"}],"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=40003"}],"version-history":[{"count":0,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/40003\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media\/40004"}],"wp:attachment":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media?parent=40003"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/categories?post=40003"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/tags?post=40003"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}