{"id":96524,"date":"2026-01-10T00:24:48","date_gmt":"2026-01-09T23:24:48","guid":{"rendered":"https:\/\/www.infokuryr.cz\/n\/?p=96524"},"modified":"2026-01-09T09:30:09","modified_gmt":"2026-01-09T08:30:09","slug":"banky-jako-soudce-a-kat-velka-britanie-zaziva-rekordni-vlnu-debankingu","status":"publish","type":"post","link":"https:\/\/www.infokuryr.cz\/n\/2026\/01\/10\/banky-jako-soudce-a-kat-velka-britanie-zaziva-rekordni-vlnu-debankingu\/","title":{"rendered":"Banky jako soudce a kat: Velk\u00e1 Brit\u00e1nie za\u017e\u00edv\u00e1 rekordn\u00ed vlnu \u201edebankingu\u201c"},"content":{"rendered":"
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Debanking ve Spojen\u00e9m kr\u00e1lovstv\u00ed dos\u00e1hl rekordn\u00ed \u00farovn\u011b:<\/span><\/strong>
\nVedouc\u00ed p\u0159edstavitel\u00e9 bank vysv\u011btluj\u00ed sv\u016fj p\u0159\u00edstup \u010dlen\u016fm V\u00fdboru pro finance<\/span><\/strong><\/p>\n

Spojen\u00e9 kr\u00e1lovstv\u00ed se trh\u00e1 na kusy. Banky se staly soudci, porotci a katy v jednom a zav\u00edraj\u00ed \u00fa\u010dty, ani\u017e by majitele \u00fa\u010dt\u016f informovaly o d\u016fvodech. Neexistuje \u017e\u00e1dn\u00e1 pr\u00e1vn\u00ed mo\u017enost. Toto je nejhor\u0161\u00ed, nejdrakoni\u010dt\u011bj\u0161\u00ed a nejbezcitn\u011bj\u0161\u00ed forma cenzury, kter\u00e1 v\u00e1m m\u016f\u017ee zanechat do\u017eivotn\u00ed jizvy, proto\u017ee va\u0161e jm\u00e9no bude nahl\u00e1\u0161eno jin\u00fdm bank\u00e1m. Z\u00e1rove\u0148 se banky schov\u00e1vaj\u00ed za v\u00fdmluvu, \u017ee \u201ebojuj\u00ed proti zlo\u010dinu\u201c.<\/span><\/em><\/p>\n

Firemn\u00ed cenzura je na denn\u00edm po\u0159\u00e1dku i v dal\u0161\u00edch sektorech. Ned\u00e1vno byl jeden z v\u00fdznamn\u00fdch vys\u00edlac\u00edch subjekt\u016f ukon\u010den spole\u010dnost\u00ed Cloudflare, nejv\u011bt\u0161\u00ed sv\u011btovou s\u00edt\u00ed pro doru\u010dov\u00e1n\u00ed obsahu (CDN). CDN jsou nezbytn\u00e9 pro celosv\u011btov\u00e9 doru\u010dov\u00e1n\u00ed streamovan\u00e9ho obsahu. Cloudflare n\u00e1hle ukon\u010dil sv\u00e9 slu\u017eby s tvrzen\u00edm, \u017ee vys\u00edlac\u00ed subjekt poru\u0161il jeho \u201epodm\u00ednky slu\u017eby\u201c, a n\u00e1sledn\u011b odm\u00edtl ve\u0161kerou dal\u0161\u00ed komunikaci. V d\u016fsledku toho se vys\u00edlac\u00ed subjekt odpojil, dokud nebyla s zna\u010dn\u00fdmi n\u00e1klady implementov\u00e1na n\u00e1hradn\u00ed slu\u017eba. \u2014 Patrick Wood, \u0161\u00e9fredaktor.<\/span><\/em><\/p>\n

T\u00e9m\u011b\u0159 p\u016fl milionu klient\u016f bylo loni \u201evy\u0159azeno z banky\u201c \u2013 nejvy\u0161\u0161\u00ed \u010d\u00edslo za deset let \u2013, jeliko\u017e po\u010det uzav\u00edr\u00e1n\u00ed \u00fa\u010dt\u016f nad\u00e1le prudce rostl.<\/span><\/p>\n

Podle \u00fadaj\u016f, kter\u00e9 z\u00edskal den\u00edk\u00a0The Telegraph<\/em>\u00a0na z\u00e1klad\u011b \u017e\u00e1dost\u00ed o svobodn\u00fd p\u0159\u00edstup k informac\u00edm, bylo uzav\u0159eno odhadem\u00a0<\/span>453 230 \u00fa\u010dt\u016f<\/span><\/strong>\u00a0. To je v\u00edce ne\u017e desetin\u00e1sobek\u00a045 091 \u00fa\u010dt\u016f<\/strong>\u00a0uzav\u0159en\u00fdch v roce 2016\/17 a\u00a011procentn\u00ed<\/strong>\u00a0n\u00e1r\u016fst ve srovn\u00e1n\u00ed se\u00a0408 000 \u00fa\u010dty<\/strong>\u00a0uzav\u0159en\u00fdmi ve da\u0148ov\u00e9m roce 2023\/24.<\/span><\/p>\n

Ve v\u0161ech p\u0159\u00edpadech v\u011b\u0159itel\u00e9 uvedli jako d\u016fvod uzav\u0159en\u00ed \u00fa\u010dt\u016f \u201efinan\u010dn\u00ed trestnou \u010dinnost\u201c.<\/span><\/p>\n

Nigel Farage<\/span><\/strong>\u00a0, kter\u00e9ho v roce 2023 kontroverzn\u011b \u201evyvedla z banky\u201c soukrom\u00e1 banka Coutts, ozna\u010dil tato \u010d\u00edsla za \u201eot\u0159esn\u00e1\u201c a obvinil z toho evropskou legislativu, kter\u00e1 podle n\u011bj \u201ebank\u00e1m usnad\u0148uje uzav\u00edr\u00e1n\u00ed \u00fa\u010dt\u016f kv\u016fli neobvykl\u00fdm transakc\u00edm\u201c.<\/span><\/p>\n

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Toto opat\u0159en\u00ed p\u0159ich\u00e1z\u00ed p\u0159ed zaveden\u00edm nov\u00fdch pravidel, kter\u00e1 budou od v\u011b\u0159itel\u016f vy\u017eadovat, aby klient\u016fm poskytli v\u00edce \u010dasu \u2013 alespo\u0148\u00a0<\/span>90 dn\u00ed<\/span><\/strong>\u00a0p\u0159edem \u2013 p\u0159ed uzav\u0159en\u00edm \u00fa\u010dt\u016f a aby jasn\u011bji vysv\u011btlili, pro\u010d jsou \u00fa\u010dty uzav\u00edr\u00e1ny.<\/span><\/p>\n

Po\u017eadavky se v\u0161ak vztahuj\u00ed pouze na \u00fa\u010dty otev\u0159en\u00e9\u00a0<\/span>po 28. dubnu<\/span><\/strong>\u00a0leto\u0161n\u00edho roku a podl\u00e9haj\u00ed v\u00fdjimk\u00e1m, kter\u00e9 bank\u00e1m umo\u017e\u0148uj\u00ed dodr\u017eovat pravidla pro boj s finan\u010dn\u00ed kriminalitou.<\/span><\/p>\n

Finan\u010dn\u00ed instituce mohou uzav\u00edrat \u00fa\u010dty z obchodn\u00edch d\u016fvod\u016f a v p\u0159\u00edpad\u011b podez\u0159en\u00ed z trestn\u00e9 \u010dinnosti. Ve Spojen\u00e9m kr\u00e1lovstv\u00ed neexistuje \u017e\u00e1dn\u00fd pr\u00e1vn\u00ed n\u00e1rok na bankovn\u00ed \u00fa\u010det, na rozd\u00edl od zem\u00ed, jako je Francie a Belgie.<\/span><\/p>\n

Banky byly kritizov\u00e1ny za to, \u017ee z\u00e1kazn\u00edk\u016fm jasn\u011b nevysv\u011btluj\u00ed, pro\u010d byly \u00fa\u010dty uzav\u0159eny. To se \u010dasto p\u0159ipisuje opat\u0159en\u00edm proti pran\u00ed \u0161pinav\u00fdch pen\u011bz a dal\u0161\u00edm p\u0159edpis\u016fm t\u00fdkaj\u00edc\u00edm se finan\u010dn\u00ed kriminality, kter\u00e9 mus\u00ed v\u011b\u0159itel\u00e9 dodr\u017eovat.<\/span><\/p>\n

Pravidla proti pran\u00ed \u0161pinav\u00fdch pen\u011bz byla\u00a0<\/span>v roce 2017<\/span><\/strong>\u00a0v\u00fdrazn\u011b zp\u0159\u00edsn\u011bna a banky mus\u00ed monitorovat aktivitu z\u00e1kazn\u00edk\u016f a ov\u011b\u0159ovat jejich toto\u017enost. Tato pravidla znamenaj\u00ed, \u017ee banky, kter\u00e9 podez\u0159\u00edvaj\u00ed z\u00e1kazn\u00edky z \u00fa\u010dasti na trestn\u00e9 \u010dinnosti, nesm\u00ed zve\u0159ej\u0148ovat d\u016fvody uzav\u00edr\u00e1n\u00ed jejich \u00fa\u010dt\u016f.<\/span><\/p>\n

N\u00e1rodn\u00ed\u00a0<\/span>krimin\u00e1ln\u00ed agentura<\/span><\/strong>\u00a0odhaduje, \u017ee\u00a0britsk\u00fdm bankovn\u00edm syst\u00e9mem se ro\u010dn\u011b propere\u00a0<\/span>10 miliard liber .<\/span><\/strong><\/p>\n

V prosinci ud\u011blil\u00a0<\/span>\u00da\u0159ad pro finan\u010dn\u00ed etiku (FCA)\u00a0<\/span><\/strong>spole\u010dnosti Nationwide<\/span><\/strong>\u00a0pokutu ve v\u00fd\u0161i\u00a044\u00a0<\/span>milion\u016f<\/span><\/strong>\u00a0liber za neefektivn\u00ed varovn\u00e9 syst\u00e9my a za to, \u017ee instituce v\u011bd\u011bla, \u017ee n\u011bkte\u0159\u00ed z\u00e1kazn\u00edci poru\u0161uj\u00ed jej\u00ed obchodn\u00ed podm\u00ednky.<\/span><\/p>\n

V jednom p\u0159\u00edpad\u011b spole\u010dnost Nationwide umo\u017enila z\u00e1kazn\u00edkovi p\u0159ijmout\u00a0b\u011bhem 13 m\u011bs\u00edc\u016f na sv\u016fj osobn\u00ed b\u011b\u017en\u00fd \u00fa\u010det\u00a0<\/span>24 plateb v celkov\u00e9 v\u00fd\u0161i 27,3 milionu liber .\u00a0<\/span><\/strong>Da\u0148ov\u00fd a coln\u00ed \u00fa\u0159ad (HMRC)<\/span><\/strong>\u00a0nebyl schopen\u00a0z t\u011bchto plateb z\u00edskat zp\u011bt\u00a0<\/span>800 000 liber .<\/span><\/strong><\/p>\n

Od roku 2021 m\u011bstsk\u00fd regul\u00e1tor ulo\u017eil\u00a0bank\u00e1m\u00a0<\/span>13 pokut za poru\u0161en\u00ed p\u0159edpis\u016f proti pran\u00ed \u0161pinav\u00fdch pen\u011bz v celkov\u00e9 v\u00fd\u0161i\u00a0<\/span><\/strong>v\u00edce ne\u017e 300 milion\u016f liber<\/span><\/strong>\u00a0.<\/span><\/p>\n

Dal\u0161\u00edm tlakem na v\u011b\u0159itele jsou pravidla\u00a0zaveden\u00e1 v\u00a0<\/span>\u0159\u00edjnu 2024 , kter\u00e1 je vy\u017eaduj\u00ed od\u0161kodn\u011bn\u00ed ob\u011bt\u00ed podvod\u016f s\u00a0<\/span><\/strong>autorizovan\u00fdmi push platbami (APP)<\/span><\/strong>\u00a0.<\/span><\/p>\n

V prvn\u00ed polovin\u011b lo\u0148sk\u00e9ho roku v\u011b\u0159itel\u00e9 vr\u00e1tili pen\u00edze v\u00a0<\/span>88 procentech<\/span><\/strong>\u00a0p\u0159\u00edpad\u016f \u2013 celkem\u00a0<\/span>v\u00edce ne\u017e 84 milion\u016f liber<\/span><\/strong>\u00a0\u2013 p\u0159i\u010dem\u017e drtiv\u00e1 v\u011bt\u0161ina spl\u00e1tek byla provedena b\u011bhem n\u011bkolika dn\u016f. Odborn\u00edci d\u0159\u00edve\u00a0<\/span>listu The Telegraph<\/span><\/em>\u00a0sd\u011blili , \u017ee pravidla pro vracen\u00ed pen\u011bz by mohla p\u0159isp\u011bt k vy\u0161\u0161\u00ed m\u00ed\u0159e uzav\u00edr\u00e1n\u00ed \u00fa\u010dt\u016f.<\/span><\/p>\n

James Graham<\/span><\/strong>\u00a0, hlavn\u00ed v\u00fdzkumn\u00edk think-tanku\u00a0<\/span>Prosperity Institute<\/span><\/strong>\u00a0, uvedl:<\/span>
\n\u201ePokra\u010duj\u00edc\u00ed n\u00e1r\u016fst po\u010dtu uzav\u00edr\u00e1n\u00ed \u00fa\u010dt\u016f, jak ukazuj\u00ed tato nov\u00e1 data, dokazuje, \u017ee epidemie oddlu\u017een\u00ed z\u016fst\u00e1v\u00e1 sou\u010dasnou a skute\u010dnou hrozbou pro rostouc\u00ed po\u010det ob\u010dan\u016f Spojen\u00e9ho kr\u00e1lovstv\u00ed.\u201c<\/span><\/p>\n

\u201eBoj proti zlo\u010dinu\u201c zn\u00ed u\u0161lechtile, ale nikdo nev\u011b\u0159\u00ed, \u017ee dal\u0161\u00edch\u00a0<\/span>453 000 lid\u00ed<\/span><\/strong>\u00a0jsou finan\u010dn\u00ed zlo\u010dinci \u2013 krom\u011b\u00a0<\/span>408 000<\/span><\/strong>\u00a0v roce 2024 a\u00a0<\/span>317 000<\/span><\/strong>\u00a0v roce 2023.\u201c<\/span><\/p>\n

Maxwell Marlow<\/span><\/strong>\u00a0z think tanku\u00a0<\/span>Adam Smith Institute<\/span><\/strong>\u00a0uvedl:<\/span>
\n\u201eMechou oddlu\u017een\u00ed bankovnictv\u00ed nad\u00e1le pusto\u0161\u00ed britskou ve\u0159ejnost a v\u00fdznamn\u011b ovliv\u0148uje i City of London.\u201c<\/span><\/p>\n

N\u00e1\u0161 finan\u010dn\u00ed syst\u00e9m vzkv\u00e9t\u00e1 d\u00edky svobod\u011b \u2013 proto jsme tak dlouho centrem glob\u00e1ln\u00edho kapitalismu a proto jsme zbohatli. Pokud se rozhodneme tyto principy opustit ignorov\u00e1n\u00edm tohoto probl\u00e9mu, na\u0161e svoboda a na\u0161e prosperita budou kolektivn\u011b potrest\u00e1ny.<\/span><\/p>\n

Mluv\u010d\u00ed spole\u010dnosti\u00a0<\/span>UK Finance<\/span><\/strong>\u00a0uvedl:<\/span>
\n\u201eBanky mus\u00ed spl\u0148ovat p\u0159\u00edsn\u00e9 pr\u00e1vn\u00ed a regula\u010dn\u00ed po\u017eadavky, pokud jde o ov\u011b\u0159ov\u00e1n\u00ed toto\u017enosti z\u00e1kazn\u00edk\u016f a prevenci finan\u010dn\u00ed kriminality. V d\u016fsledku toho je mal\u00e9 procento \u00fa\u010dt\u016f uzav\u0159eno \u2013 ale a\u017e po rozs\u00e1hl\u00e9m p\u0159ezkoum\u00e1n\u00ed a vy\u0161et\u0159ov\u00e1n\u00ed.\u201c<\/span><\/p>\n

Mluv\u010d\u00ed\u00a0<\/span>ministerstva financ\u00ed<\/span><\/strong>\u00a0vysv\u011btlil:<\/span>
\n\u201eOdstra\u0148ov\u00e1n\u00ed bankovn\u00edch \u00fav\u011br\u016f je \u0161patn\u00e9. Proto jsme zavedli ochrann\u00e1 opat\u0159en\u00ed pro miliony lid\u00ed a mal\u00fdch podnik\u016f.\u201c<\/span><\/p>\n

Podle nov\u00fdch pravidel obdr\u017e\u00ed z\u00e1kazn\u00edci alespo\u0148\u00a0<\/span>90 dn\u00ed<\/span><\/strong>\u00a0p\u0159edem ozn\u00e1men\u00ed a vysv\u011btlen\u00ed jak\u00e9hokoli uzav\u0159en\u00ed \u00fa\u010dtu; to posiluje ochranu, kter\u00e1 bank\u00e1m br\u00e1n\u00ed diskriminovat kohokoli na z\u00e1klad\u011b jeho politick\u00fdch n\u00e1zor\u016f.<\/span><\/p>\n

Mluv\u010d\u00ed\u00a0<\/span>FCA<\/span><\/strong>\u00a0uvedl:<\/span>
\n\u201eBoj proti finan\u010dn\u00ed kriminalit\u011b je jednou z na\u0161ich priorit. Podvody tvo\u0159\u00ed v\u00edce ne\u017e\u00a0<\/span>40 procent<\/span><\/strong>\u00a0kriminality ve Spojen\u00e9m kr\u00e1lovstv\u00ed a okr\u00e1daj\u00ed lidi o jejich t\u011b\u017ece vyd\u011blan\u00e9 pen\u00edze.\u201c<\/span><\/p>\n

Je d\u016fle\u017eit\u00e9, aby banky a stavebn\u00ed spo\u0159itelny plnily svou povinnost, v\u010detn\u011b uzav\u00edr\u00e1n\u00ed \u00fa\u010dt\u016f, u kter\u00fdch maj\u00ed podez\u0159en\u00ed na podvod. Uzav\u00edr\u00e1 se jen nepatrn\u00fd zlomek \u00fa\u010dt\u016f \u2013 a o\u010dek\u00e1v\u00e1me, \u017ee instituce budou jednat proporcion\u00e1ln\u011b a budou se z\u00e1kazn\u00edky zach\u00e1zet spravedliv\u011b.\u201c<\/span><\/p>\n

\u00davodn\u00ed fotografie:<\/strong> Vedouc\u00ed pracovn\u00edci bank vysv\u011btluj\u00ed sv\u00e1 opat\u0159en\u00ed \u010dlen\u016fm finan\u010dn\u00edho v\u00fdboru (Obr\u00e1zek: PA Wire\/PA Images)<\/em><\/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":"

Debanking ve Spojen\u00e9m kr\u00e1lovstv\u00ed dos\u00e1hl rekordn\u00ed \u00farovn\u011b: Vedouc\u00ed p\u0159edstavitel\u00e9 bank vysv\u011btluj\u00ed sv\u016fj p\u0159\u00edstup \u010dlen\u016fm V\u00fdboru…<\/p>\n","protected":false},"author":2,"featured_media":96525,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7],"tags":[503,10381,4873,3178,303],"_links":{"self":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/96524"}],"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=96524"}],"version-history":[{"count":0,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/96524\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media\/96525"}],"wp:attachment":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media?parent=96524"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/categories?post=96524"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/tags?post=96524"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}