{"id":94239,"date":"2025-12-10T00:12:07","date_gmt":"2025-12-09T23:12:07","guid":{"rendered":"https:\/\/www.infokuryr.cz\/n\/?p=94239"},"modified":"2025-12-09T09:44:25","modified_gmt":"2025-12-09T08:44:25","slug":"michael-snyder-americke-firmy-bankrotuji-naprosto-zavratnym-tempem","status":"publish","type":"post","link":"https:\/\/www.infokuryr.cz\/n\/2025\/12\/10\/michael-snyder-americke-firmy-bankrotuji-naprosto-zavratnym-tempem\/","title":{"rendered":"Michael Snyder: Americk\u00e9 firmy bankrotuj\u00ed naprosto z\u00e1vratn\u00fdm tempem"},"content":{"rendered":"
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Pro\u010d po\u010det firemn\u00edch bankrot\u016f ve Spojen\u00fdch st\u00e1tech tak rychle roste? Nen\u00ed to proto, \u017ee by se ekonomice da\u0159ilo. Ka\u017ed\u00fd den se objevuj\u00ed dal\u0161\u00ed zpr\u00e1vy o krachuj\u00edc\u00edch firm\u00e1ch a to se jasn\u011b odr\u00e1\u017e\u00ed v \u010d\u00edslech, o kter\u00e1 se chyst\u00e1m pod\u011blit. N\u011bco takov\u00e9ho jsme nevid\u011bli od velk\u00e9 recese a pokud se na\u0161e ekonomick\u00e9 probl\u00e9my v nadch\u00e1zej\u00edc\u00edch m\u011bs\u00edc\u00edch budou i nad\u00e1le zhor\u0161ovat, bude rok 2026 velmi chaotick\u00fdm rokem.<\/span><\/p>\n

Dnes jsem narazil na \u010dl\u00e1nek, kter\u00fd uv\u00e1d\u00ed, \u017ee po\u010det mal\u00fdch podnik\u016f, kter\u00e9 podaly n\u00e1vrh na bankrot podle podkapitoly V, dos\u00e1hl v roce 2025 zbrusu nov\u00e9ho rekordu\u2026<\/span><\/p>\n

\u0160est let star\u00fd feder\u00e1ln\u00ed program, jeho\u017e c\u00edlem je pomoci nejmen\u0161\u00edm americk\u00fdm podnik\u016fm sn\u00ed\u017eit dluh a za\u010d\u00edt znovu, stanovil podle soudn\u00edch dokument\u016f rekord v po\u010dtu podan\u00fdch \u017ealob.<\/span><\/em><\/p>\n

Podle poskytovatele dat Epiq Bankruptcy Analytics letos v\u00edce ne\u017e 2 200 jednotlivc\u016f a mal\u00fdch podnik\u016f podalo n\u00e1vrh na vyhl\u00e1\u0161en\u00ed bankrotu podle tzv. pravidel podkapitoly V, kter\u00e1 usnad\u0148uj\u00ed a zrychluj\u00ed z\u00edsk\u00e1n\u00ed \u00falevy od v\u011b\u0159itel\u016f.<\/span><\/em><\/p>\n

\u201eV\u011b\u0159itel\u00e9 jim prost\u011b d\u00fdchaj\u00ed na krk,\u201c \u0159ekla Carol Foxov\u00e1, soudem schv\u00e1len\u00e1 spr\u00e1vce, kter\u00e1 dohl\u00ed\u017e\u00ed na v\u00edce ne\u017e dvacet p\u0159\u00edpad\u016f v ji\u017en\u00ed Florid\u011b.<\/span><\/em><\/p>\n

To je opravdu \u0161patn\u00e1 zpr\u00e1va.<\/span><\/p>\n

Mal\u00e9 podniky byly tradi\u010dn\u011b hlavn\u00edm motorem r\u016fstu zam\u011bstnanosti v t\u00e9to zemi.<\/span><\/p>\n

Skute\u010dnost, \u017ee tolik z nich bankrotuje, proto v\u016fbec nen\u00ed dobr\u00e9 znamen\u00ed.<\/span><\/p>\n

Mezit\u00edm i velk\u00e9 spole\u010dnosti bankrotuj\u00ed velmi alarmuj\u00edc\u00edm tempem.<\/span><\/p>\n

Ve skute\u010dnosti byl b\u011bhem prvn\u00edch sedmi m\u011bs\u00edc\u016f leto\u0161n\u00edho roku po\u010det firemn\u00edch bankrot\u016f ve Spojen\u00fdch st\u00e1tech na nejvy\u0161\u0161\u00ed \u00farovni od prvn\u00edch dn\u016f pandemie\u2026<\/span><\/p>\n

Podle ned\u00e1vno zve\u0159ejn\u011bn\u00e9 zpr\u00e1vy zaznamenaly USA v \u010dervenci prudk\u00fd n\u00e1r\u016fst firemn\u00edch bankrot\u016f. Toto \u010d\u00edslo dos\u00e1hlo maxima od pandemie COVID-19 a v roce 2025 je na cest\u011b k p\u0159ekon\u00e1n\u00ed celkov\u00e9ho po\u010dtu bankrot\u016f z p\u0159edchoz\u00edho roku.<\/span><\/em><\/p>\n

Spole\u010dnost S&P Global Market Intelligence, v\u00fdzkumn\u00e1 a datov\u00e1 slu\u017eba ratingov\u00e9 agentury, poznamenala, \u017ee po\u010det n\u00e1vrh\u016f na konkurz od velk\u00fdch ve\u0159ejn\u00fdch i soukrom\u00fdch spole\u010dnost\u00ed vzrostl minul\u00fd m\u011bs\u00edc na 71, oproti 66 v \u010dervnu, co\u017e je nejvy\u0161\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed \u010d\u00edslo od \u010dervence 2020. Celkov\u00fd po\u010det 446 n\u00e1vrh\u016f na konkurz v roce 2025 je zat\u00edm nejvy\u0161\u0161\u00ed za toto sedmim\u011bs\u00ed\u010dn\u00ed obdob\u00ed od roku 2010.<\/span><\/em><\/p>\n

Kdy\u017e velk\u00e9 mno\u017estv\u00ed firem zkrachuje, n\u00e1borov\u00e9 procesy se zpomaluj\u00ed a obvykle doch\u00e1z\u00ed k rozs\u00e1hl\u00e9mu propou\u0161t\u011bn\u00ed po cel\u00e9 zemi.<\/span><\/p>\n

A p\u0159esn\u011b to se stane.<\/span><\/p>\n

V ned\u00e1vn\u00e9m rozhovoru pro Fox News syn Nikki Haleyov\u00e9 p\u0159iznal, \u017ee ani jeden z jeho p\u0159\u00e1tel, kte\u0159\u00ed ned\u00e1vno absolvovali vysokou \u0161kolu, nedostal pr\u00e1ci\u2026<\/span><\/p>\n

\u201eMoje skupina p\u0159\u00e1tel v\u0161ichni absolvovali s vynikaj\u00edc\u00edmi tituly na vynikaj\u00edc\u00edch \u0161kol\u00e1ch a ani jeden z nich nem\u00e1 pr\u00e1ci \u2013 \u017e\u00e1dnou. Je to frustruj\u00edc\u00ed, proto\u017ee ud\u011blali v\u0161echno, co m\u011bli ud\u011blat. Investovali \u010das, \u00fasil\u00ed a pen\u00edze do sv\u00e9ho vzd\u011bl\u00e1n\u00ed a nemaj\u00ed \u017e\u00e1dnou pr\u00e1ci, kter\u00e1 by jim to dok\u00e1zala p\u0159in\u00e9st. Mus\u00ed konkurovat zahrani\u010dn\u00edm pracovn\u00edk\u016fm ochotn\u00fdm pracovat za polovinu jejich platu a tak\u00e9 um\u011bl\u00e9 inteligenci, co\u017e je superpo\u010d\u00edta\u010d \u2013 jak s t\u00edm m\u00e1me konkurovat?\u201c<\/span><\/em><\/p>\n

Kdy\u017e jsem si to p\u0159e\u010detl\/a, byl\/a jsem v \u0161oku.<\/span><\/p>\n

V\u011bd\u011bl jsem, \u017ee se na\u0161im \u010derstv\u00fdm absolvent\u016fm univerzit neda\u0159\u00ed dob\u0159e, ale nev\u011bd\u011bl jsem, \u017ee je to\u00a0<\/span>tak<\/span><\/em>\u00a0\u0161patn\u00e9.<\/span><\/p>\n

Trh pr\u00e1ce zamrz\u00e1, a to plat\u00ed zejm\u00e9na pro ty, kte\u0159\u00ed svou kari\u00e9ru teprve za\u010d\u00ednaj\u00ed.<\/span><\/p>\n

V t\u00e9to f\u00e1zi ji\u017e um\u011bl\u00e1 inteligence vykon\u00e1v\u00e1 velkou \u010d\u00e1st pr\u00e1ce, kterou d\u0159\u00edve vykon\u00e1valo obrovsk\u00e9 mno\u017estv\u00ed mlad\u00fdch profesion\u00e1l\u016f.<\/span><\/p>\n

A ned\u00e1vn\u00e1 studie MIT dosp\u011bla k z\u00e1v\u011bru, \u017ee dne\u0161n\u00ed technologie um\u011bl\u00e9 inteligence by mohla potenci\u00e1ln\u011b nahradit dal\u0161\u00edch 20 milion\u016f americk\u00fdch pracovn\u00edk\u016f\u2026<\/span><\/p>\n

Uprost\u0159ed sl\u00e1bnouc\u00edho trhu pr\u00e1ce prob\u00edh\u00e1 dlouh\u00e1 debata o tom, zda modern\u00ed um\u011bl\u00e1 inteligence skute\u010dn\u011b nahrazuje pracovn\u00edky \u2013 nebo zda pouze poskytuje \u0161\u00e9f\u016fm z\u00e1minku k propu\u0161t\u011bn\u00ed ur\u010dit\u00fdch zam\u011bstnanc\u016f a p\u0159esunut\u00ed jejich \u00fakol\u016f na zb\u00fdvaj\u00edc\u00ed zam\u011bstnance.<\/span><\/em><\/p>\n

Odpov\u011b\u010f nen\u00ed jasn\u00e1, ale nov\u00e1 studie z Massachusettsk\u00e9ho technologick\u00e9ho institutu jist\u011b p\u0159ilije olej do ohn\u011b. V\u011bdci analyzovali 151 milion\u016f americk\u00fdch pracuj\u00edc\u00edch a vypo\u010d\u00edtali, \u017ee dne\u0161n\u00ed syst\u00e9my um\u011bl\u00e9 inteligence jsou ji\u017e dostate\u010dn\u011b sofistikovan\u00e9, aby automatizovaly \u00fakoly v\u00edce ne\u017e 20 milion\u016f americk\u00fdch pracuj\u00edc\u00edch \u2013 neboli 11,7 procenta celkov\u00e9 pracovn\u00ed s\u00edly \u2013 pokud by byly pln\u011b nasazeny v cel\u00e9 zemi.<\/span><\/em><\/p>\n

Co se tedy stane, a\u017e um\u011bl\u00e1 inteligence a roboti budou moci d\u011blat t\u00e9m\u011b\u0159 v\u0161echno efektivn\u011bji ne\u017e lid\u0161t\u00ed pracovn\u00edci?<\/span><\/p>\n

K \u010demu pak budeme pot\u0159eba?<\/span><\/p>\n

Na\u0161e spole\u010dnost se m\u011bn\u00ed tempem, kter\u00e9 je t\u011b\u017ek\u00e9 pochopit.<\/span><\/p>\n

Technick\u00fd pracovn\u00edk, kter\u00e9ho Meta za\u010d\u00e1tkem tohoto roku propustila, si ani po dev\u00edti m\u011bs\u00edc\u00edch nena\u0161el pr\u00e1ci\u2026<\/span><\/p>\n

Kdy\u017e jsem v roce 2020 nastoupila do spole\u010dnosti Meta, zm\u011bnilo to m\u016fj \u017eivot jako samo\u017eivitelky. Znamenalo to bezpe\u010d\u00ed a stabilitu \u2013 m\u00edsto, kde tvrd\u011b pracujete a odch\u00e1z\u00edte do d\u016fchodu.<\/span><\/em><\/p>\n

Tak\u017ee to bylo jako r\u00e1na do b\u0159icha, kdy\u017e jsem v \u00fanoru musel odej\u00edt v r\u00e1mci s\u00e9rie propou\u0161t\u011bn\u00ed zam\u011b\u0159en\u00e9 na \u201enedostate\u010dn\u011b v\u00fdkonn\u00e9\u201c zam\u011bstnance.<\/span><\/em><\/p>\n

Dev\u011bt m\u011bs\u00edc\u016f pot\u00e9 jsem p\u0159i\u0161el o odstupn\u00e9 i \u00faspory, sna\u017e\u00edm se naj\u00edt pr\u00e1ci v technick\u00e9m oboru a m\u00e1m pocit, \u017ee jedn\u00edm z d\u016fvod\u016f je n\u00e1lepka \u201enev\u00fdkonn\u00fd\u201c. Nejsem u\u017e ten bezstarostn\u00fd \u010dlov\u011bk, co jsem b\u00fdval, ten, co s nad\u0161en\u00edm pos\u00edlal \u017e\u00e1dosti o pr\u00e1ci.<\/span><\/em><\/p>\n

P\u0159ed p\u00e1r lety bylo docela snadn\u00e9 naj\u00edt si dob\u0159e placenou pr\u00e1ci.<\/span><\/p>\n

Ale te\u010f se v\u0161echno \u00fapln\u011b zm\u011bnilo.<\/span><\/p>\n

A dokonce i mnoho z t\u011bch, kte\u0159\u00ed jsou zam\u011bstnan\u00ed, si nevyd\u011bl\u00e1v\u00e1 dost na to, aby si mohli dovolit slu\u0161n\u00fd \u017eivotn\u00ed styl\u2026<\/span><\/p>\n

Americk\u00fd pracovn\u00edk v maloobchod\u011b vyd\u011bl\u00e1v\u00e1 o 51,6 procenta m\u00e9n\u011b, ne\u017e je \u010d\u00e1stka pot\u0159ebn\u00e1 k zaplacen\u00ed typick\u00e9ho pron\u00e1jmu bytu, uvedla realitn\u00ed kancel\u00e1\u0159 Redfin ve sv\u00e9m prohl\u00e1\u0161en\u00ed zve\u0159ejn\u011bn\u00e9m 26. listopadu.<\/span><\/em><\/p>\n

\u201eTypick\u00fd pracovn\u00edk v maloobchod\u011b v Americe si vyd\u011bl\u00e1 34 436 dolar\u016f ro\u010dn\u011b,\u201c uvedla spole\u010dnost.<\/span><\/em><\/p>\n

\u201eN\u00e1jemn\u00edk by si musel vyd\u011blat 71 172 dolar\u016f, aby si mohl dovolit typick\u00fd byt, kter\u00fd stoj\u00ed 1 779 dolar\u016f m\u011bs\u00ed\u010dn\u011b.\u201c<\/span><\/em><\/p>\n

Pokud si nevyd\u011bl\u00e1v\u00e1te dost na to, abyste zaplatili n\u00e1jem bytu \u2013 jak\u00e9 m\u00e1te mo\u017enosti?<\/span><\/p>\n

P\u0159edpokl\u00e1d\u00e1m, \u017ee by ses mohl\/a nast\u011bhovat zp\u00e1tky k rodi\u010d\u016fm, nebo bydlet v dod\u00e1vce u \u0159eky.<\/span><\/p>\n

Mimochodem, miliony mlad\u00fdch Ameri\u010dan\u016f dnes \u017eij\u00ed v autech, dod\u00e1vk\u00e1ch a obytn\u00fdch vozech. O tom jsem ji\u017e podrobn\u011b informoval v p\u0159edchoz\u00edch \u010dl\u00e1nc\u00edch.<\/span><\/p>\n

Na\u0161e \u017eivotn\u00ed \u00farove\u0148 bude zni\u010dena.<\/span><\/p>\n

Mezit\u00edm ti na vrcholu ekonomick\u00e9 pyramidy maj\u00ed v\u00edce pen\u011bz, ne\u017e mohou utratit\u2026<\/span><\/p>\n

Nejbohat\u0161\u00ed 1 % lid\u00ed loni zv\u00fd\u0161ilo sv\u00e9 bohatstv\u00ed o 4 biliony dolar\u016f, co\u017e p\u0159edstavuje n\u00e1r\u016fst o 7 %. Jejich kombinovan\u00e9 bohatstv\u00ed dos\u00e1hlo ve druh\u00e9m \u010dtvrtlet\u00ed rekordn\u00edch 52 bilion\u016f dolar\u016f.<\/span><\/em><\/p>\n

Majetek nejbohat\u0161\u00edch 0,1 % osob se loni zv\u00fd\u0161il o 10 %. Od pandemie se jm\u011bn\u00ed horn\u00edch 0,1 % \u2013 tedy t\u011bch s \u010dist\u00fdm jm\u011bn\u00edm alespo\u0148 46 milion\u016f dolar\u016f \u2013 t\u00e9m\u011b\u0159 zdvojn\u00e1sobilo na v\u00edce ne\u017e 23 bilion\u016f dolar\u016f.<\/span><\/em><\/p>\n

Neust\u00e1le se sna\u017e\u00edm v\u0161echny varovat, \u017ee tohle nedopadne dob\u0159e.<\/span><\/p>\n

Miliony a miliony Ameri\u010dan\u016f si nemohou vyd\u011blat na slu\u0161n\u00e9 \u017eivobyt\u00ed, bez ohledu na to, jak tvrd\u011b pracuj\u00ed.<\/span><\/p>\n

A tot\u00e9\u017e se d\u011bje v bezpo\u010dtu dal\u0161\u00edch zem\u00ed po cel\u00e9m sv\u011bt\u011b.<\/span><\/p>\n

Nikdy jsem nevid\u011bl tolik ekonomick\u00e9 frustrace mezi mlad\u00fdmi dosp\u011bl\u00fdmi jako te\u010f.<\/span><\/p>\n

Jej\u00ed hn\u011bv doutnaje t\u011bsn\u011b pod povrchem a nebude trvat dlouho a exploduje.<\/span><\/p>\n<\/div>\n<\/div>\n

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Zdroj<\/span><\/a><\/span><\/h3>\n

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

Pro\u010d po\u010det firemn\u00edch bankrot\u016f ve Spojen\u00fdch st\u00e1tech tak rychle roste? Nen\u00ed to proto, \u017ee by…<\/p>\n","protected":false},"author":2,"featured_media":11518,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7],"tags":[6674,1503,371,37],"_links":{"self":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/94239"}],"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=94239"}],"version-history":[{"count":0,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/94239\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media\/11518"}],"wp:attachment":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media?parent=94239"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/categories?post=94239"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/tags?post=94239"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}