[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kushitani.cz\/i-podnikatele-stradaji\/#Article","mainEntityOfPage":"https:\/\/www.kushitani.cz\/i-podnikatele-stradaji\/","headline":"I podnikatel\u00e9 str\u00e1daj\u00ed","name":"I podnikatel\u00e9 str\u00e1daj\u00ed","description":"V soukrom\u00e9m podnik\u00e1n\u00ed se sice m\u016f\u017ee, ale tak\u00e9 nemus\u00ed da\u0159it. Podnikatel\u00e9 by mohli vypr\u00e1v\u011bt, co v\u0161echno se v jejich \u017eivot\u011b n\u011bkdy dok\u00e1\u017ee pokazit a s \u010d\u00edm v\u0161\u00edm se pak tito nevyhnuteln\u011b pot\u00fdkaj\u00ed. Ale to u\u017e je prost\u011b podnikatelsk\u00fd osud, \u017ee se n\u011bkdy da\u0159\u00ed, n\u011bkdy se p\u0159e\u017e\u00edv\u00e1 a n\u011bkdy se zkr\u00e1tka sotva \u017eivo\u0159\u00ed a skom\u00edr\u00e1. Soukromn\u00edci […]","datePublished":"2021-09-02","dateModified":"2023-06-09","author":{"@type":"Person","@id":"https:\/\/www.kushitani.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.kushitani.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/7b7a3ac09da7f6a75c5f1ebec5be454c22943a51b9f5595d89318ef09bd44dd1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7b7a3ac09da7f6a75c5f1ebec5be454c22943a51b9f5595d89318ef09bd44dd1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kushitani.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kushitani.cz\/wp-content\/uploads\/indick%C3%A9%20pen%C3%ADze_10_6.jpg","url":"https:\/\/www.kushitani.cz\/wp-content\/uploads\/indick%C3%A9%20pen%C3%ADze_10_6.jpg","height":0,"width":0},"url":"https:\/\/www.kushitani.cz\/i-podnikatele-stradaji\/","about":["Finance"],"wordCount":407,"articleBody":"   V soukrom\u00e9m podnik\u00e1n\u00ed se sice m\u016f\u017ee, ale tak\u00e9 nemus\u00ed da\u0159it. Podnikatel\u00e9 by mohli vypr\u00e1v\u011bt, co v\u0161echno se v jejich \u017eivot\u011b n\u011bkdy dok\u00e1\u017ee pokazit a s \u010d\u00edm v\u0161\u00edm se pak tito nevyhnuteln\u011b pot\u00fdkaj\u00ed. Ale to u\u017e je prost\u011b podnikatelsk\u00fd osud, \u017ee se n\u011bkdy da\u0159\u00ed, n\u011bkdy se p\u0159e\u017e\u00edv\u00e1 a n\u011bkdy se zkr\u00e1tka sotva \u017eivo\u0159\u00ed a skom\u00edr\u00e1.Soukromn\u00edci u\u017e jsou na tom prost\u011b tak. Jsou sice z\u00e1visl\u00ed na sv\u00fdch schopnostech a v\u00fdkonech, ale nejen na t\u011bch. Krom\u011b toho je tu i cel\u00e1 \u0159ada dal\u0161\u00edch vliv\u016f, kter\u00e9 je mohou n\u011bkdy t\u011b\u0161it a n\u011bkdy t\u0159eba i vysloven\u011b p\u0159iv\u00e1d\u011bt k \u0161\u00edlenstv\u00ed a zoufalstv\u00ed. Cokoliv se tu pokaz\u00ed, m\u00e1 vliv mimo jin\u00e9 i na solventnost podnikatel\u016f. A lehce si odvod\u00edme, \u017ee kdy\u017e se podnikatel pot\u00fdk\u00e1 s probl\u00e9my a nem\u00e1 kv\u016fli tomu takov\u00e9 p\u0159\u00edjmy, jak\u00e9 by pot\u0159eboval, je to zapeklit\u00e1 v\u011bc. Proto\u017ee bez pen\u011bz se ned\u00e1 \u017e\u00edt ani podnikat, bez nich se zkr\u00e1tka sp\u011bje ke krachu.A jak takov\u00e9mu riziku krachu v dob\u011b finan\u010dn\u00ed t\u00edsn\u011b vzdorovat? Nejlep\u0161\u00edm a \u010dasto vlastn\u011b i \u00fapln\u011b jedin\u00fdm \u0159e\u0161en\u00edm je p\u016fj\u010dka. Podnikatel si se\u017eene pen\u00edze aspo\u0148 takto, financuje jimi to, na co vlastn\u00ed finan\u010dn\u00ed prost\u0159edky nem\u00e1, a pak u\u017e se mus\u00ed jenom postarat o \u0159\u00e1dn\u00e9 splacen\u00ed takto vznikl\u00fdch z\u00e1vazk\u016f.A aby bylo jist\u00e9, \u017ee podnikatel v zoufal\u00e9 situaci pot\u0159ebnou p\u016fj\u010dku dostane, je dobr\u00e9, kdy\u017e se vyu\u017eije americk\u00e1 hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu. U n\u00ed toti\u017e ka\u017ed\u00fd u\u017e od po\u010d\u00e1tku v\u00ed, jak to s jeho \u017e\u00e1dost\u00ed dopadne, zda pen\u00edze dostane nebo ne. Proto\u017ee jsou tu docela jednoduch\u00e1 pravidla, jimi\u017e je nezbytn\u00e9 se \u0159\u00eddit, a ka\u017ed\u00fd se v nich vyzn\u00e1 a posoud\u00ed sv\u00e9 nad\u011bje. V\u017edy\u0165 se tu vlastn\u011b mus\u00ed jenom prok\u00e1zat schopnost platit aspo\u0148 ty nejmen\u0161\u00ed spl\u00e1tky a mus\u00ed se tu d\u00e1t do z\u00e1stavy vhodn\u00e1 nemovitost. A kdo to m\u016f\u017ee nab\u00eddnout, nemus\u00ed se b\u00e1t. I relativn\u011b n\u00edzk\u00e9 p\u0159\u00edjmy, i z\u00e1znamy v registrech dlu\u017en\u00edk\u016f, i exekuce mu tu mohou odpustit.A tak tu dostanou pot\u0159ebn\u00e9 finance i ti, jim\u017e by nikdo jin\u00fd nep\u016fj\u010dil. A je to v suchu.                                                                                                                                                                                                                                                                                                                                                                                                  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