[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.caste.cz\/financni-gramotnost-obcanu-ceske-republiky\/#Article","mainEntityOfPage":"https:\/\/www.caste.cz\/financni-gramotnost-obcanu-ceske-republiky\/","headline":"Finan\u010dn\u00ed gramotnost ob\u010dan\u016f \u010cesk\u00e9 republiky","name":"Finan\u010dn\u00ed gramotnost ob\u010dan\u016f \u010cesk\u00e9 republiky","description":"Od roku 2009 se pro z\u00e1kladn\u00ed a st\u0159edn\u00ed \u0161koly za\u010dal navrhovat r\u00e1mcov\u00fd vzd\u011bl\u00e1vac\u00ed program pro v\u00fduku finan\u010dn\u00ed gramotnosti, kter\u00fd byl ofici\u00e1ln\u011b za\u0159azen do \u0161kol v\u00a0roce 2013. Spousta lid\u00ed se finan\u010dn\u00ed gramotnosti nenau\u010d\u00ed nikdy, tud\u00ed\u017e nemohou sv\u00fdm potomk\u016fm p\u0159edat spr\u00e1vn\u00e9 informace o tom, jak hospoda\u0159it se sv\u00fdmi pen\u011bzi. To by m\u011bli p\u0159\u00edpadn\u011b zastat u\u010ditel\u00e9 ve \u0161kol\u00e1ch, […]","datePublished":"2025-03-05","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.caste.cz\/author\/#Person","name":"caste.cz\n","url":"https:\/\/www.caste.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/8ee00db67df6a380981db2e33f97d2fa79637c4880a83f2a0ac4c29b5bb179e1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/8ee00db67df6a380981db2e33f97d2fa79637c4880a83f2a0ac4c29b5bb179e1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"caste.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.caste.cz\/wp-content\/uploads\/img_a310275_w2291_t1521191783.jpg","url":"https:\/\/www.caste.cz\/wp-content\/uploads\/img_a310275_w2291_t1521191783.jpg","height":0,"width":0},"url":"https:\/\/www.caste.cz\/financni-gramotnost-obcanu-ceske-republiky\/","wordCount":418,"articleBody":"Od roku 2009 se pro z\u00e1kladn\u00ed a st\u0159edn\u00ed \u0161koly za\u010dal navrhovat r\u00e1mcov\u00fd vzd\u011bl\u00e1vac\u00ed program pro v\u00fduku finan\u010dn\u00ed gramotnosti, kter\u00fd byl ofici\u00e1ln\u011b za\u0159azen do \u0161kol v\u00a0roce 2013. Spousta lid\u00ed se finan\u010dn\u00ed gramotnosti nenau\u010d\u00ed nikdy, tud\u00ed\u017e nemohou sv\u00fdm potomk\u016fm p\u0159edat spr\u00e1vn\u00e9 informace o tom, jak hospoda\u0159it se sv\u00fdmi pen\u011bzi. To by m\u011bli p\u0159\u00edpadn\u011b zastat u\u010ditel\u00e9 ve \u0161kol\u00e1ch, kte\u0159\u00ed \u017e\u00e1ky dle vzd\u011bl\u00e1vac\u00edho programu sezn\u00e1m\u00ed s\u00a0t\u00edm, jak s\u00a0pen\u011bzi spr\u00e1vn\u011b a ekonomicky nakl\u00e1dat.Pr\u016fb\u011b\u017en\u00e9 studie o finan\u010dn\u00ed gramotnosti v\u00a0\u010cesk\u00e9 republice ukazuj\u00ed, \u017ee se celkov\u011b finan\u010dn\u00ed gramotnost \u010cech\u016f m\u00edrn\u011b zlep\u0161uje. Ne sice o moc, ale alespo\u0148 je z\u00a0pr\u016fzkum\u016f patrn\u00e9, \u017ee \u010ce\u0161i si v\u00edce spo\u0159\u00ed. Bohu\u017eel skoro polovina z\u00a0respondent\u016f ale nev\u00ed, kolik by i m\u011bli naspo\u0159it nap\u0159. na d\u016fchod.\u00a0 A\u017e t\u0159etina dot\u00e1zan\u00fdch ob\u010dan\u016f ale bohu\u017eel ani nev\u00ed, jak dlouho by si dok\u00e1zali udr\u017eet \u017eivotn\u00ed standard v\u00a0p\u0159\u00edpad\u011b nenad\u00e1l\u00e9 ztr\u00e1ty zam\u011bstn\u00e1n\u00ed.\u010cemu \u010ce\u0161i v\u00a0oblasti financ\u00ed nerozum\u00ed?52% lid\u00ed v\u00a0\u010cesku m\u00e1 celkovou n\u00edzkou finan\u010dn\u00ed znalost. Obecn\u011b je probl\u00e9m hlavn\u011b p\u0159i v\u00fdpo\u010dtu \u00farokov\u00e9 sazby. Tu ur\u010dilo spr\u00e1vn\u011b jen 58% respondent\u016f. S\u00a0odpov\u011bd\u00ed m\u011bli probl\u00e9m hlavn\u011b lid\u00e9 s\u00a0n\u00edzk\u00fdm stupn\u011bm vzd\u011bl\u00e1n\u00ed a d\u016fchodci. Dal\u0161\u00ed oblast\u00ed, kde je patrn\u00fd probl\u00e9m, je sestavov\u00e1n\u00ed pravideln\u00e9ho finan\u010dn\u00edho rozpo\u010dtu dom\u00e1cnosti. Ten si sestavuje pouze asi 43% \u010desk\u00fdch dom\u00e1cnost\u00ed. \u010ce\u0161i se obecn\u011b chovaj\u00ed sp\u00ed\u0161e ekonomicky nezodpov\u011bdn\u011b, dokazuj\u00ed to \u00fadaje za posledn\u00edch p\u011bt let, kter\u00e9 se bohu\u017eel t\u00e9m\u011b\u0159 nezm\u011bnily.Naopak pozitivn\u00ed v\u00fdsledky finan\u010dn\u00ed gramotnosti vykazovaly osoby s\u00a0vy\u0161\u0161\u00edm vzd\u011bl\u00e1n\u00edm \u010di vy\u0161\u0161\u00edmi p\u0159\u00edjmy. Odkl\u00e1daj\u00ed si pravideln\u011b pen\u00edze a maj\u00ed lep\u0161\u00ed p\u0159ehled v\u00a0oblasti financ\u00ed.Test finan\u010dn\u00ed gramotnosti Na internetu si snadno m\u016f\u017eete ve vyhled\u00e1va\u010di naj\u00edt a zkusit n\u011bjak\u00fd test finan\u010dn\u00ed gramotnosti a zjistit tak, jak na tom jste. Test m\u00e1 nap\u0159\u00edklad 10 ot\u00e1zek, kde vyb\u00edr\u00e1te ze 4 mo\u017en\u00fdch odpov\u011bd\u00ed. Na konci je V\u00e1m test vyhodnocen a vy zjist\u00edte, zda m\u00e1te v\u00a0t\u00e9to oblasti co zlep\u0161ovat nebo jestli pen\u011bz\u016fm rozum\u00edte dob\u0159e.                                                                                                                                                                                                                                                                                                                                                                                        3.9\/5 - (13 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Finan\u010dn\u00ed gramotnost ob\u010dan\u016f \u010cesk\u00e9 republiky","item":"https:\/\/www.caste.cz\/financni-gramotnost-obcanu-ceske-republiky\/#breadcrumbitem"}]}]