[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.csfho.cz\/nezvykle-riziko-ohrozujici-financni-stabilitu\/#Article","mainEntityOfPage":"https:\/\/www.csfho.cz\/nezvykle-riziko-ohrozujici-financni-stabilitu\/","headline":"Nezvykl\u00e9 riziko ohro\u017euj\u00edc\u00ed finan\u010dn\u00ed stabilitu","name":"Nezvykl\u00e9 riziko ohro\u017euj\u00edc\u00ed finan\u010dn\u00ed stabilitu","description":"Finan\u010dn\u00ed sektor m\u00e1 velkou moc ovliv\u0148ovat snad cokoliv ...","datePublished":"2019-10-22","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.csfho.cz\/author\/#Person","name":"","url":"https:\/\/www.csfho.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/edf965aa5e6319b22667bed24bb070a38fc0326fd1c728db50dc1d860a4a16ad?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/edf965aa5e6319b22667bed24bb070a38fc0326fd1c728db50dc1d860a4a16ad?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"csfho.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.csfho.cz\/wp-content\/uploads\/img_a357549_w3782_t1572106272.jpg","url":"https:\/\/www.csfho.cz\/wp-content\/uploads\/img_a357549_w3782_t1572106272.jpg","height":0,"width":0},"url":"https:\/\/www.csfho.cz\/nezvykle-riziko-ohrozujici-financni-stabilitu\/","about":["Byznys"],"wordCount":594,"articleBody":"Finan\u010dn\u00ed sektor m\u00e1 velkou moc ovliv\u0148ovat snad cokoliv na planet\u011b. Proto je velmi \u017e\u00e1douc\u00ed udr\u017eovat cel\u00fd syst\u00e9m v\u00a0po\u0159\u00e1dku a p\u0159edch\u00e1zet velk\u00fdm v\u00fdkyv\u016fm. Ov\u0161em existuje mnoho vn\u011bj\u0161\u00edch vliv\u016f, kter\u00e9 mohou zt\u00ed\u017eit pr\u00e1ci instituc\u00ed a st\u00e1tn\u00edch org\u00e1n\u016f, kter\u00e9 maj\u00ed za \u00fakol toto glob\u00e1ln\u00ed soukol\u00ed stabilizovat.Jedn\u00edm z\u00a0vn\u011bj\u0161\u00edch vliv\u016f m\u016f\u017ee b\u00fdt zm\u011bna klimatu. Ta p\u0159edstavuje probl\u00e9m zejm\u00e9na pro poji\u0161\u0165ovac\u00ed a bankovn\u00ed sektor. D\u0159\u00edve se kontroln\u00ed instituce zab\u00fdvaly ot\u00e1zkami, kter\u00e9 p\u0159echod k\u00a0odli\u0161n\u00fdm podm\u00ednk\u00e1m p\u0159edstavuje pro finan\u010dn\u00ed syst\u00e9m, a t\u00edm, co by m\u011bly d\u011blat, aby s\u00a0nimi bojovaly.Nejen glob\u00e1ln\u00ed oteplov\u00e1n\u00ed, ale i dal\u0161\u00ed probl\u00e9my, znamenaj\u00ed, \u017ee m\u016f\u017eeme \u010delit \u010dast\u011bj\u0161\u00edm nebo z\u00e1va\u017en\u011bj\u0161\u00edm pov\u011btrnostn\u00edm ud\u00e1lostem, jako jsou povodn\u011b, sucha a bou\u0159e. Mezi p\u0159\u00edklady ned\u00e1vn\u00fdch pov\u011btrnostn\u00edch ud\u00e1lost\u00ed, zp\u016fsoben\u00fdmi \u010dlov\u011bkem, pat\u0159\u00ed vlny horka z\u00a0roku 2013 v\u00a0\u010c\u00edn\u011b a n\u00e1sleduj\u00edc\u00ed zima, kter\u00e1 p\u0159inesla do Velk\u00e9 Brit\u00e1nie extr\u00e9mn\u00ed sr\u00e1\u017eky a z\u00e1plavy.Takov\u00e9 ud\u00e1losti p\u0159in\u00e1\u0161ej\u00ed \u201efyzick\u00e1 rizika\u201c, kter\u00e1 maj\u00ed p\u0159\u00edm\u00fd dopad na na\u0161i spole\u010dnost a maj\u00ed potenci\u00e1l ovlivnit ekonomiku. Pokud k\u00a0t\u011bmto ud\u00e1lostem dojde \u010dast\u011bji, budou lid\u00e9 v\u00edc z\u00e1visl\u00ed na poji\u0161t\u011bn\u00ed, kter\u00e9 pokryje n\u00e1klady na po\u0161kozen\u00ed jejich dom\u016f a automobil\u016f.Jak pojistn\u00e9 ud\u00e1losti souvisej\u00edc\u00ed s\u00a0po\u010das\u00edm rostou, poji\u0161\u0165ovny mus\u00ed vypl\u00e1cet v\u00edce a zvy\u0161ovat pojistn\u00e9. Pokud spole\u010dnosti a dom\u00e1cnosti nejsou poji\u0161t\u011bny, mo\u017en\u00e1 budou muset \u00fa\u010det uhradit samy. V\u00a0obou p\u0159\u00edpadech spot\u0159ebitel nakonec zaplat\u00ed v\u00edce. Statistiky mluv\u00ed jasn\u011b \u2013 ztr\u00e1ty souvisej\u00edc\u00ed s\u00a0po\u010das\u00edm jsou v\u00a0posledn\u00edch desetilet\u00edch mnohem vy\u0161\u0161\u00ed.Jedn\u00edm z\u00a0d\u016fvod\u016f tohoto n\u00e1r\u016fstu je skute\u010dnost, \u017ee ve vysoce rizikov\u00fdch oblastech bylo postaveno v\u00edce dom\u016f, kancel\u00e1\u0159\u00ed a tov\u00e1ren. Existuj\u00ed v\u0161ak n\u00e1znaky, \u017ee zm\u011bna klimatu m\u00e1 tak\u00e9 dopad. Nap\u0159\u00edklad se odhaduje, \u017ee pojistn\u00e9 ztr\u00e1ty b\u011bhem hurik\u00e1nu Sandy v\u00a0New Yorku v\u00a0roce 2012 dos\u00e1hly 30 %.Ztr\u00e1ty zp\u016fsoben\u00e9 extr\u00e9mn\u00edmi pov\u011btrnostn\u00edmi podm\u00ednkami mohou m\u00edt velk\u00fd dopad na \u0161ir\u0161\u00ed ekonomiku. \u0160kody mohou v\u00e9st k\u00a0poklesu cen nemovitost\u00ed a sn\u00ed\u017een\u00ed bohatstv\u00ed majitel\u016f dom\u016f, co\u017e zase ovliv\u0148uje m\u00edru celkov\u00fdch v\u00fddaj\u016f v ekonomice.P\u0159i p\u0159echodu k\u00a0m\u00e9n\u011b zne\u010dis\u0165uj\u00edc\u00ed a zelen\u011bj\u0161\u00ed ekonomice se mohou vyskytnout p\u0159echodn\u00e1 rizika. Tato m\u011bn\u00ed hodnotu aktiv v\u00a0n\u011bkter\u00fdch odv\u011btv\u00edch hospod\u00e1\u0159stv\u00ed. N\u00e1sledov\u00e1n\u00ed politick\u00fdch dohod o p\u0159echodu k\u00a0ekologick\u00fdm \u0159e\u0161en\u00edm nen\u00ed \u0161patn\u00e9, ale mus\u00ed se db\u00e1t na spr\u00e1vnou rychlost s\u00a0jakou jsou nasazov\u00e1ny.Z\u00e1va\u017enou ot\u00e1zkou, kter\u00e1 h\u00fdbe trhem, je, kdo ponese odpov\u011bdnost v\u00a0p\u0159\u00edpad\u011b v\u00e1\u017en\u00fdch klimatick\u00fdch zm\u011bn. P\u0159edstavme si, \u017ee investo\u0159i podporuj\u00ed firmu, kter\u00e1 se v\u00a0d\u016fsledku ud\u00e1lost\u00ed souvisej\u00edc\u00edch se zm\u011bnou klimatu dostane do ztr\u00e1ty. Potom by se mohla \u0159e\u0161it ot\u00e1zka, zda firma poskytla transparentn\u011b dostatek informac\u00ed o sv\u00e9 expozici t\u011bmto vn\u011bj\u0161\u00edm rizik\u016fm. Pokud by se investo\u0159i domn\u00edvali, \u017ee tyto informace nebyly poskytnuty, mohli by proti podniku podat \u017ealobu.                                                                                                                                                                                                                                                                                                                                                                                        4.9\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nezvykl\u00e9 riziko ohro\u017euj\u00edc\u00ed finan\u010dn\u00ed stabilitu","item":"https:\/\/www.csfho.cz\/nezvykle-riziko-ohrozujici-financni-stabilitu\/#breadcrumbitem"}]}]