[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zopz.sk\/4-rozlicne-typy-penazi\/#Article","mainEntityOfPage":"https:\/\/www.zopz.sk\/4-rozlicne-typy-penazi\/","headline":"4 ROZLI\u010cN\u00c9 TYPY PE\u0147AZ\u00cd","name":"4 ROZLI\u010cN\u00c9 TYPY PE\u0147AZ\u00cd","description":"Komoditn\u00e9 peniaze Komoditn\u00e9 peniaze s\u00fa najjednoduch\u0161\u00ed a pravdepodobne aj najstar\u0161\u00ed typ pe\u0148az\u00ed na svete. Nadv\u00e4zuje na vz\u00e1cne pr\u00edrodn\u00e9 zdroje, ktor\u00e9…","datePublished":"2025-02-24","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.zopz.sk\/author\/#Person","name":"","url":"https:\/\/www.zopz.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/92dd6dcbda4dc4d3f89fcc9fa0e3d3cb?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/92dd6dcbda4dc4d3f89fcc9fa0e3d3cb?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zopz.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.zopz.sk\/wp-content\/uploads\/img_a288363_w16543_t1528215889.jpg","url":"https:\/\/www.zopz.sk\/wp-content\/uploads\/img_a288363_w16543_t1528215889.jpg","height":0,"width":0},"url":"https:\/\/www.zopz.sk\/4-rozlicne-typy-penazi\/","wordCount":390,"articleBody":"Komoditn\u00e9 peniazeKomoditn\u00e9 peniaze s\u00fa najjednoduch\u0161\u00ed a pravdepodobne aj najstar\u0161\u00ed typ pe\u0148az\u00ed na svete. Nadv\u00e4zuje na vz\u00e1cne pr\u00edrodn\u00e9 zdroje, ktor\u00e9 sl\u00fa\u017eia ako prostriedok v\u00fdmeny, ulo\u017eenia hodnoty a \u00fa\u010dtovnej jednotky. Komoditn\u00e9 peniaze \u00fazko s\u00favisia (a poch\u00e1dzaj\u00fa) z barterov\u00e9ho syst\u00e9mu, kde sa tovar a slu\u017eby priamo vymie\u0148aj\u00fa za in\u00fd tovar a slu\u017eby.\u00a0D\u00f4le\u017eit\u00e1 vec, ktor\u00fa treba o komoditn\u00fdch peniazoch vedie\u0165 je, \u017ee ich hodnota je definovan\u00e1 vn\u00fatornou hodnotou samotnej komodity. In\u00fdmi slovami, samotn\u00e1 komodita sa st\u00e1va peniazmi. \u00a0Medzi pr\u00edklady tak\u00fdchto pe\u0148az\u00ed patria zlat\u00e9 mince, kor\u00e1lky, mu\u0161le, korenie at\u010f\u00a0Fiatov\u00e9 peniazeTieto peniaze z\u00edskavaj\u00fa hodnotu z vl\u00e1dneho nariadenia. Vl\u00e1dnym vyhl\u00e1sen\u00edm sa tak\u00e9to peniaze st\u00e1vaj\u00fa z\u00e1konn\u00fdm platidlom, od v\u0161etk\u00fdch \u013eud\u00ed a firiem v krajine vy\u017eaduje aby ho prijali ako platobn\u00fd prostriedok. Ak tak neurobia m\u00f4\u017eu by\u0165 potrestan\u00ed alebo uv\u00e4znen\u00ed. Na rozdiel od komoditn\u00fdch pe\u0148az\u00ed fiatov\u00e9 nie s\u00fa podporovan\u00e9 \u017eiadnou fyzickou komoditou.\u00a0Pod\u013ea defin\u00edcie je ich vn\u00fatorn\u00e1 hodnota v\u00fdrazne ni\u017e\u0161ia ako jeho nomin\u00e1lna hodnota. Preto hodnota fiatov\u00fdch pe\u0148az\u00ed je odvoden\u00e1 od vz\u0165ahu medzi ponukou a dopytom.\u00a0Medzi pr\u00edklady fiatov\u00fdch pe\u0148az\u00ed patria mince a \u00fa\u010dty.\u00a0Fiduci\u00e1rne peniazeHodnota fiduci\u00e1rnych pe\u0148az\u00ed z\u00e1vis\u00ed od d\u00f4very, \u017ee bud\u00fa v\u0161eobecne akceptovan\u00e9 ako prostriedok v\u00fdmeny. Na rozdiel od fiatov\u00fdch pe\u0148az\u00ed ich vl\u00e1da neohl\u00e1si ako z\u00e1konn\u00e9 platidlo. Namiesto toho emitent fiduci\u00e1rnych pe\u0148az\u00ed s\u013eubuje, \u017ee ho vymen\u00ed sp\u00e4\u0165 za komoditu alebo fiatov\u00e9 peniaze ak o to majite\u013e po\u017eiada.\u00a0Pr\u00edklad fiduci\u00e1rnych pe\u0148az\u00ed zah\u0155\u0148a \u0161eky, bankovky alebo n\u00e1vrhy-koncepty\u00a0Peniaze komer\u010dnej bankyTak\u00e9to peniaze mo\u017eno op\u00edsa\u0165 ako poh\u013ead\u00e1vky vo\u010di finan\u010dn\u00fdm in\u0161tit\u00faci\u00e1m, ktor\u00e9 mo\u017eno pou\u017ei\u0165 na n\u00e1kup tovaru alebo slu\u017eieb. Predstavuje \u010das\u0165 meny, ktor\u00e1 je vytvoren\u00e1 z dlhov vytvoren\u00fdch komer\u010dn\u00fdmi bankami. Je to v podstate proces, v ktorom komer\u010dn\u00e1 banka poskytne \u00faver v hodnote presahuj\u00facej hodnotu skuto\u010dnej meny, ktor\u00e9 vlastnia.\u00a0Tak\u00e9to \u201epeniaze\u201c mo\u017eno vymie\u0148a\u0165 za skuto\u010dn\u00e9 peniaze alebo na n\u00e1kup tovarov a slu\u017eieb.                                                                                                                                                                                                                                                                                                                                                                                        4.5\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"4 ROZLI\u010cN\u00c9 TYPY PE\u0147AZ\u00cd","item":"https:\/\/www.zopz.sk\/4-rozlicne-typy-penazi\/#breadcrumbitem"}]}]