[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.horsona.sk\/americke-banky-prekonali-financne-zatazove-testy\/#Article","mainEntityOfPage":"https:\/\/www.horsona.sk\/americke-banky-prekonali-financne-zatazove-testy\/","headline":"Americk\u00e9 banky prekonali finan\u010dn\u00e9 z\u00e1\u0165a\u017eov\u00e9 testy","name":"Americk\u00e9 banky prekonali finan\u010dn\u00e9 z\u00e1\u0165a\u017eov\u00e9 testy","description":"Po finan\u010dnej kr\u00edze USA predlo\u017eili testy na monitorovanie finan\u010dnej sily v pr\u00edpade poklesu. Presk\u00faman\u00e9 firmy predstavuj\u00fa pribli\u017ene 80% v\u0161etk\u00fdch bankov\u00fdch akt\u00edv v USA. Cie\u013eom testov je pos\u00fadi\u0165, \u010di banky maj\u00fa […]","datePublished":"2018-04-26","dateModified":"2023-04-25","author":{"@type":"Person","@id":"https:\/\/www.horsona.sk\/author\/#Person","name":"","url":"https:\/\/www.horsona.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/68b3ed45b3ae6ecdad6bfa25b4077e93536d7764172b2830acbdb661d7242512?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/68b3ed45b3ae6ecdad6bfa25b4077e93536d7764172b2830acbdb661d7242512?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"horsona.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.horsona.sk\/wp-content\/uploads\/img_a288960_w16585_t1530027945.jpg","url":"https:\/\/www.horsona.sk\/wp-content\/uploads\/img_a288960_w16585_t1530027945.jpg","height":0,"width":0},"url":"https:\/\/www.horsona.sk\/americke-banky-prekonali-financne-zatazove-testy\/","wordCount":352,"articleBody":"Po finan\u010dnej kr\u00edze USA predlo\u017eili testy na monitorovanie finan\u010dnej sily v pr\u00edpade poklesu. Presk\u00faman\u00e9 firmy predstavuj\u00fa pribli\u017ene 80% v\u0161etk\u00fdch bankov\u00fdch akt\u00edv v USA. Cie\u013eom testov je pos\u00fadi\u0165, \u010di banky maj\u00fa dostatok finan\u010dn\u00e9ho vank\u00fa\u0161a na zvl\u00e1dnutie glob\u00e1lnej recesie.„Hypotetick\u00e1 recesia“Pod\u013ea stresov\u00e9ho scen\u00e1ra centr\u00e1lnej banky by sa miera nezamestnanosti zv\u00fd\u0161ila na 10% a ceny akci\u00ed a ceny nehnute\u013enost\u00ed by klesli.Pod\u013ea odhadov Feder\u00e1lneho rezervn\u00e9ho syst\u00e9mu by to malo za n\u00e1sledok zhruba 578 mili\u00e1rd dol\u00e1rov (495 mili\u00e1rd eur) z celkov\u00fdch str\u00e1t v bank\u00e1ch, ale uviedlo, \u017ee ich dr\u017eba „vysoko kvalitn\u00e9ho kapit\u00e1lu“ zostane nad po\u017eadovan\u00fdm minimom.Pomer vysokokvalitn\u00e9ho kapit\u00e1lu k rizikov\u00fdm akt\u00edvam by v hypotetickej recesii klesol a\u017e na 7,9% v porovnan\u00ed s minim\u00e1lnou po\u017eiadavkou 4,5%. V minulom roku bol vank\u00fa\u0161 mierne vy\u0161\u0161\u00ed na \u00farovni 9,2%.Feder\u00e1lny rezervn\u00fd syst\u00e9m uviedol, \u017ee v\u00fdkon v tohtoro\u010dn\u00fdch testoch, \u00f4smych od roku 2009, odr\u00e1\u017eal zmeny v americkom da\u0148ovom pr\u00e1ve, ako aj vy\u0161\u0161ie \u00farovne dlhu kreditnou kartou.Centr\u00e1lna banka tie\u017e uviedla, \u017ee banka takisto merala vo\u010di v\u00e1\u017enej\u0161iemu hypotetick\u00e9mu poklesu ako v minulom roku.Medzi banky, ktor\u00e9 boli predmetom presk\u00famania, patrili spolo\u010dnosti ako Goldman Sachs a Morgan Stanley, ako aj americk\u00e9 div\u00edzie zahrani\u010dn\u00fdch spolo\u010dnost\u00ed, ako napr\u00edklad Barclays a Deutsche Bank.Goldman Sachs, ktor\u00fd bol medzi najhor\u0161\u00edmi umelcami, uviedol, \u017ee model internej evalv\u00e1cie sa l\u00ed\u0161i od modelu Fed.Spr\u00e1va uviedla, \u017ee sk\u00fama rozdiely a \u017ee jej finan\u010dn\u00e1 kapacita „m\u00f4\u017ee by\u0165 vy\u0161\u0161ia, ne\u017e by to inak nazna\u010doval tohtoro\u010dn\u00fd test“. Nov\u00e9 pravidl\u00e1 od Kongresu ned\u00e1vno zn\u00ed\u017eili po\u010det b\u00e1nk, ktor\u00e9 podliehaj\u00fa testom.Po zmen\u00e1ch, ktor\u00e9 prebehli na jar, s\u00fa banky s menej ako 100 mili\u00e1rd dol\u00e1rov akt\u00edvami vy\u0148at\u00e9 z presk\u00famania. Predt\u00fdm boli vo v\u0161eobecnosti predmetom testov banky s objemom 50 mld. USD alebo viac.                                                                                                                                                                                                                                                                                                                                                                                        4.2\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Americk\u00e9 banky prekonali finan\u010dn\u00e9 z\u00e1\u0165a\u017eov\u00e9 testy","item":"https:\/\/www.horsona.sk\/americke-banky-prekonali-financne-zatazove-testy\/#breadcrumbitem"}]}]