[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.rkair.sk\/peniaze-a-penazne-operacie\/#Article","mainEntityOfPage":"https:\/\/www.rkair.sk\/peniaze-a-penazne-operacie\/","headline":"Peniaze a pe\u0148a\u017en\u00e9 oper\u00e1cie","name":"Peniaze a pe\u0148a\u017en\u00e9 oper\u00e1cie","description":"Pe\u0148a\u017en\u00e9 oper\u00e1cie sa v praxi uskuto\u010d\u0148uj\u00fa prostredn\u00edctvom pe\u0148a\u017en\u00fdch platieb. \u010cleni\u0165 pe\u0148a\u017en\u00e9 oper\u00e1cie m\u00f4\u017eme na: a) FI\u0160K\u00c1LNE pe\u0148a\u017en\u00e9 oper\u00e1cie \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0...<p class=\"more-link-wrap\"><a href=\"https:\/\/www.rkair.sk\/peniaze-a-penazne-operacie\/\" class=\"more-link\">Pre\u010d\u00edta\u0165<span class=\"screen-reader-text\"> &ldquo;Peniaze a pe\u0148a\u017en\u00e9 oper\u00e1cie&rdquo;<\/span> &raquo;<\/a><\/p>","datePublished":"2023-03-29","dateModified":"2024-02-20","author":{"@type":"Person","@id":"https:\/\/www.rkair.sk\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.rkair.sk\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/56990d361a15c60249588fcd5c65556d1c39f993ac5e20b5abce42fd817b46e8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/56990d361a15c60249588fcd5c65556d1c39f993ac5e20b5abce42fd817b46e8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"rkair.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.rkair.sk\/wp-content\/uploads\/firm-2003808_1280_6.jpg","url":"https:\/\/www.rkair.sk\/wp-content\/uploads\/firm-2003808_1280_6.jpg","height":0,"width":0},"url":"https:\/\/www.rkair.sk\/peniaze-a-penazne-operacie\/","about":["Peniaze"],"wordCount":380,"articleBody":"Pe\u0148a\u017en\u00e9 oper\u00e1cie sa v praxi uskuto\u010d\u0148uj\u00fa prostredn\u00edctvom pe\u0148a\u017en\u00fdch platieb. \u010cleni\u0165 pe\u0148a\u017en\u00e9 oper\u00e1cie m\u00f4\u017eme na: a) FI\u0160K\u00c1LNE pe\u0148a\u017en\u00e9 oper\u00e1cie\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 b) KREDITN\u00c9 pe\u0148a\u017en\u00e9 oper\u00e1cie\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 c) ASEKURA\u010cN\u00c9 pe\u0148a\u017en\u00e9 oper\u00e1cie\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 d) SEKURITN\u00c9 pe\u0148a\u017en\u00e9 oper\u00e1cie\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 e) TRANSFORMA\u010cN\u00c9 pe\u0148a\u017en\u00e9 oper\u00e1cie.Toto \u010dlenenie pe\u0148a\u017en\u00fdch opr\u00e1ci\u00ed m\u00f4\u017eme ch\u00e1pa\u0165 v u\u017e\u0161om slova zmysle, a okrem t\u00fdchto skup\u00edn pozn\u00e1me e\u0161te dve skupiny,\u00a0tovarovo-pe\u0148a\u017en\u00e9 oper\u00e1cie a d\u00f4chodkov\u00e9 pe\u0148a\u017en\u00e9 oper\u00e1cie.Predaj alebo k\u00fapa tovarov medzi ekonomick\u00fdmi subjektmi sa uskuto\u010d\u0148uje prostredn\u00edctvom tovarovo-pe\u0148a\u017enej oper\u00e1cie a d\u00f4chodkov\u00e9 oper\u00e1cie predstavuj\u00fa tak\u00e9 pe\u0148a\u017en\u00e9 oper\u00e1cie, ktor\u00e9 sa t\u00fdkaj\u00fa obyvate\u013estva, teda fyzick\u00fdch os\u00f4b. M\u00f4\u017eu to by\u0165 napr\u00edklad v\u00fdplaty t\u00fdchto troch druhov d\u00f4chodkov: PRACOVN\u00ddCH (platy, mzdy, pr\u00e9mie, \u0161tipendi\u00e1, odmeny, autorsk\u00e9 honor\u00e1re), SOCI\u00c1LNYCH (vdovsk\u00fdch, starobn\u00fdch, invalidn\u00fdch, sirotsk\u00fdch, podpora v nezamestnanosti) a KAPIT\u00c1LOV\u00ddCH (dividendy z akci\u00ed, v\u00fdhry v lot\u00e9ri\u00e1ch, \u00faroky z depoz\u00edt na \u00fa\u010dtoch v bank\u00e1ch).Pe\u0148a\u017en\u00e9 oper\u00e1cie m\u00f4\u017eme e\u0161te \u010dleni\u0165 na platobn\u00e9 oper\u00e1cie a emisn\u00e9 oper\u00e1cie. Pri platobn\u00fdch oper\u00e1ci\u00e1ch nedoch\u00e1dza k zmene pe\u0148a\u017enej z\u00e1soby a tieto sa \u010falej \u010dlenia na realiza\u010dn\u00e9 a transf\u00e9rov\u00e9. Emisn\u00e9 pe\u0148a\u017en\u00e9 oper\u00e1cie s\u00fa oper\u00e1cie, pri ktor\u00fdch sa peniaze nepres\u00favaj\u00fa medzi jednotliv\u00fdmi ekonomick\u00fdmi subjektmi, av\u0161ak u pr\u00edslu\u0161n\u00fdch ekonomick\u00fdch subjektoch sa men\u00ed ich pe\u0148a\u017en\u00e1 z\u00e1soba. Vystupuj\u00fa v dvoch podob\u00e1ch: ako poskytovanie a spl\u00e1canie bankov\u00fdch \u00faverov a p\u00f4\u017ei\u010diek a n\u00e1kup a predaj cenn\u00fdch papierov bankou.Pe\u0148a\u017en\u00fa z\u00e1sobu predstavuj\u00fa v\u0161etky re\u00e1lne peniaze bu\u010f hotovostn\u00e9 alebo bezhotovostn\u00e9 v dom\u00e1cej alebo zahrani\u010dnej mene nachadzaj\u00faca sa u jednotliv\u00fdch ekonomick\u00fdch subjektoch. Prostredn\u00edctvom pe\u0148a\u017en\u00fdch oper\u00e1ci\u00ed doch\u00e1dza k zmene obsahu a kvality pe\u0148a\u017enej z\u00e1soby, ktor\u00e1 sa nach\u00e1dza u jednotliv\u00fdch ekonomick\u00fdch subjektov.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Peniaze a pe\u0148a\u017en\u00e9 oper\u00e1cie","item":"https:\/\/www.rkair.sk\/peniaze-a-penazne-operacie\/#breadcrumbitem"}]}]