[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.pglbc.cz\/vlastni-zdroje\/#Article","mainEntityOfPage":"https:\/\/www.pglbc.cz\/vlastni-zdroje\/","headline":"Vlastn\u00ed zdroje","name":"Vlastn\u00ed zdroje","description":"V\u00a0\u00favahu p\u0159ich\u00e1z\u00ed vyu\u017eit\u00ed vlastn\u00edch zdroj\u016f, kter\u00e9 by m\u011bly b\u00fdt hlavn\u00edm zdrojem financov\u00e1n\u00ed. M\u016f\u017ee to b\u00fdt nerozd\u011blen\u00fd zisk z\u00a0minul\u00e9ho podnik\u00e1n\u00ed, mohou to b\u00fdt va\u0161e \u00faspory, pen\u00edze z\u00a0prodeje nemovitost\u00ed, d\u011bdictv\u00ed. Financov\u00e1n\u00ed vlastn\u00edmi zdroji je t\u00edm nejroz\u0161\u00ed\u0159en\u011bj\u0161\u00edm zp\u016fsobem financov\u00e1n\u00ed podnikov\u00fdch z\u00e1m\u011br\u016f. A pokud tyto zdroje nesta\u010d\u00ed? Zde je vhodn\u00e9 pou\u017e\u00edt podnikatelsk\u00fd pl\u00e1n jako n\u00e1stroj k\u00a0tomu, aby bylo \u00fasp\u011b\u0161n\u00e9 p\u0159esv\u011bd\u010den\u00ed potenci\u00e1ln\u00edho investora o \u017eivotaschopnosti<br><br><a class=\"more-link\" href=\"https:\/\/www.pglbc.cz\/vlastni-zdroje\/\">\u010c\u00edst v\u00edce<\/a>","datePublished":"2019-11-23","dateModified":"2019-11-23","author":{"@type":"Person","@id":"https:\/\/www.pglbc.cz\/author\/#Person","name":"","url":"https:\/\/www.pglbc.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/da76ffe9456a057fb26f92cd8eb3d2effca853864e9ae2a35290bd1e10b1f7d4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/da76ffe9456a057fb26f92cd8eb3d2effca853864e9ae2a35290bd1e10b1f7d4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"pglbc.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.pglbc.cz\/wp-content\/uploads\/img_a361988_w4302_t1575039047.png","url":"https:\/\/www.pglbc.cz\/wp-content\/uploads\/img_a361988_w4302_t1575039047.png","height":0,"width":0},"url":"https:\/\/www.pglbc.cz\/vlastni-zdroje\/","about":["Podnik\u00e1n\u00ed"],"wordCount":415,"articleBody":"V\u00a0\u00favahu p\u0159ich\u00e1z\u00ed vyu\u017eit\u00ed vlastn\u00edch zdroj\u016f, kter\u00e9 by m\u011bly b\u00fdt hlavn\u00edm zdrojem financov\u00e1n\u00ed. M\u016f\u017ee to b\u00fdt nerozd\u011blen\u00fd zisk z\u00a0minul\u00e9ho podnik\u00e1n\u00ed, mohou to b\u00fdt va\u0161e \u00faspory, pen\u00edze z\u00a0prodeje nemovitost\u00ed, d\u011bdictv\u00ed. Financov\u00e1n\u00ed vlastn\u00edmi zdroji je t\u00edm nejroz\u0161\u00ed\u0159en\u011bj\u0161\u00edm zp\u016fsobem financov\u00e1n\u00ed podnikov\u00fdch z\u00e1m\u011br\u016f. A pokud tyto zdroje nesta\u010d\u00ed? Zde je vhodn\u00e9 pou\u017e\u00edt podnikatelsk\u00fd pl\u00e1n jako n\u00e1stroj k\u00a0tomu, aby bylo \u00fasp\u011b\u0161n\u00e9 p\u0159esv\u011bd\u010den\u00ed potenci\u00e1ln\u00edho investora o \u017eivotaschopnosti z\u00e1m\u011bru, o n\u00e1vratnosti investovan\u00e9ho kapit\u00e1lu.\tBankovn\u00ed \u00fav\u011brJedn\u00edm z\u00a0mo\u017en\u00fdch zdroj\u016f jsou bankovn\u00ed \u00fav\u011bry. Jedn\u00e1 se o ciz\u00ed zdroj financov\u00e1n\u00ed, kter\u00fd je ve form\u011b bu\u010f kr\u00e1tkodob\u00e9, nebo dlouhodob\u00e9 finan\u010dn\u00ed p\u016fj\u010dky. Jak\u00fd je zde rozd\u00edl? Kr\u00e1tkodob\u00e9 jsou v\u011bt\u0161inou omezeny na financov\u00e1n\u00ed provozn\u00edho kapit\u00e1lu, jako jsou z\u00e1soby, pohled\u00e1vky a provozn\u00ed n\u00e1klady. Pro financov\u00e1n\u00ed po\u0159\u00edzen\u00ed si dlouhodob\u00e9ho majetku se mohou pou\u017e\u00edvat pouze do\u010dasn\u011b, a to jako p\u0159eklenovac\u00ed \u00fav\u011br p\u0159ed vy\u0159\u00edzen\u00edm dlouhodob\u00e9ho \u00fav\u011bru. K jejich z\u00edsk\u00e1n\u00ed zpravidla nepo\u017eaduje banka podnikatelsk\u00fd pl\u00e1n, sta\u010d\u00ed v\u00fdhled pen\u011b\u017en\u00edch tok\u016f na obdob\u00ed jednoho roku. Tyto \u00fav\u011bry maj\u00ed v\u00a0podnikatelsk\u00e9 praxi r\u016fzn\u00e1 pojmenov\u00e1n\u00ed, nap\u0159\u00edklad lombardn\u00ed nebo kontokorentn\u00ed \u00fav\u011br. Podstatn\u00e9 jsou zde podm\u00ednky jejich pou\u017eit\u00ed. Dlouhodob\u00e9 jsou poskytovan\u00e9 bankou ve form\u011b term\u00ednovan\u00e9 p\u016fj\u010dky, zde se ozna\u010duj\u00ed jako investi\u010dn\u00ed a hypote\u010dn\u00ed \u00fav\u011br. U investi\u010dn\u00edho je bankou vy\u017eadov\u00e1no ru\u010den\u00ed dlouhodob\u00fdm majetkem, nebo t\u0159et\u00ed osobou. A u hypote\u010dn\u00edho je dovolen\u00e9 ru\u010den\u00ed jen nemovit\u00fdm majetkem. Charakteristick\u00fdm znakem ka\u017ed\u00e9 bankovn\u00ed p\u016fj\u010dky je \u00faro\u010den\u00ed, to je cena za zap\u016fj\u010den\u00ed pen\u011bz, ta je stanovena formou fixn\u00ed nebo variabiln\u00ed sazby a vypo\u010d\u00edt\u00e1v\u00e1 se jako procento z nesplacen\u00e9 sazby. Dal\u0161\u00edm znakem ka\u017ed\u00e9 bankovn\u00ed p\u016fj\u010dky je n\u00e1vratnost, co\u017e v\u00e1s jako podnikatele a tedy p\u0159\u00edjemce finan\u010dn\u00ed p\u016fj\u010dky nut\u00ed ve stanoven\u00e9 lh\u016ft\u011b ji splatit. Toto spl\u00e1cen\u00ed se zpravidla d\u011bje postupn\u011b v pravideln\u00fdch intervalech, ale v n\u011bkter\u00fdch p\u0159\u00edpadech m\u016f\u017ee prob\u011bhnout jednor\u00e1zov\u011b a to na konci doby splatnosti.                                                                                                                                                                                                                                                                                                                                                                                        4.9\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Vlastn\u00ed zdroje","item":"https:\/\/www.pglbc.cz\/vlastni-zdroje\/#breadcrumbitem"}]}]