"[7C9879EB21E6]" . "Z(MSM0021620804)" . . "Tento \u010Dl\u00E1nek p\u0159edkl\u00E1d\u00E1 skeptick\u00FD pohled na \u0159e\u0161en\u00ED mor\u00E1ln\u00EDho hazardu. Tento \u010Dl\u00E1nek obsahuje zkoum\u00E1n\u00ED finan\u010Dn\u00EDho sektoru, stejn\u011B tak jako automobilov\u00E9ho pr\u016Fmyslu a sektoru slu\u017Eeb. Takt\u00E9\u017E zkoum\u00E1 z\u00E1jmov\u00E9 skupiny - mana\u017Eery, akcion\u00E1\u0159e, zam\u011Bstnance a v\u011B\u0159itele v souvislosti s podstupov\u00E1n\u00EDm mor\u00E1ln\u00EDho hazardu. Tento \u010Dl\u00E1nek dosp\u00EDv\u00E1 k z\u00E1v\u011Br\u016Fm, \u017Ee v jedn\u00E1n\u00ED mana\u017Eer\u016F, akcion\u00E1\u0159\u016F a zam\u011Bstnanc\u016F, de facto, nelze naj\u00EDt existenci mor\u00E1ln\u00EDho hazardu. Naopak, v jedn\u00E1n\u00ED v\u011B\u0159itel\u016F mor\u00E1ln\u00ED hazard existuje. Nicm\u00E9n\u011B, mor\u00E1ln\u00ED hazard u mal\u00FDch v\u011B\u0159itel\u016F (drobn\u00FDch st\u0159adatel\u016F) je neodstraniteln\u00FD. Pokud by do\u0161lo k pokusu o odstran\u011Bn\u00ED mor\u00E1ln\u00EDho hazardu u mal\u00FDch v\u011B\u0159itel\u016F, tito v\u011B\u0159itel\u00E9 by reagovali neproveden\u00EDm transakce, tedy nep\u016Fj\u010Dili by sv\u00E9 pen\u00EDze. \u0158e\u0161en\u00ED probl\u00E9mu spo\u010D\u00EDv\u00E1 v zes\u00EDlen\u00ED bankovn\u00ED regulace a v zaji\u0161t\u011Bn\u00ED st\u00E1tn\u00EDch garanc\u00ED, nikoli ve snaze odstra\u0148ovat mor\u00E1ln\u00ED hazard s\u00E1m o sob\u011B." . . . . "Tento \u010Dl\u00E1nek p\u0159edkl\u00E1d\u00E1 skeptick\u00FD pohled na \u0159e\u0161en\u00ED mor\u00E1ln\u00EDho hazardu. Tento \u010Dl\u00E1nek obsahuje zkoum\u00E1n\u00ED finan\u010Dn\u00EDho sektoru, stejn\u011B tak jako automobilov\u00E9ho pr\u016Fmyslu a sektoru slu\u017Eeb. Takt\u00E9\u017E zkoum\u00E1 z\u00E1jmov\u00E9 skupiny - mana\u017Eery, akcion\u00E1\u0159e, zam\u011Bstnance a v\u011B\u0159itele v souvislosti s podstupov\u00E1n\u00EDm mor\u00E1ln\u00EDho hazardu. Tento \u010Dl\u00E1nek dosp\u00EDv\u00E1 k z\u00E1v\u011Br\u016Fm, \u017Ee v jedn\u00E1n\u00ED mana\u017Eer\u016F, akcion\u00E1\u0159\u016F a zam\u011Bstnanc\u016F, de facto, nelze naj\u00EDt existenci mor\u00E1ln\u00EDho hazardu. Naopak, v jedn\u00E1n\u00ED v\u011B\u0159itel\u016F mor\u00E1ln\u00ED hazard existuje. Nicm\u00E9n\u011B, mor\u00E1ln\u00ED hazard u mal\u00FDch v\u011B\u0159itel\u016F (drobn\u00FDch st\u0159adatel\u016F) je neodstraniteln\u00FD. Pokud by do\u0161lo k pokusu o odstran\u011Bn\u00ED mor\u00E1ln\u00EDho hazardu u mal\u00FDch v\u011B\u0159itel\u016F, tito v\u011B\u0159itel\u00E9 by reagovali neproveden\u00EDm transakce, tedy nep\u016Fj\u010Dili by sv\u00E9 pen\u00EDze. \u0158e\u0161en\u00ED probl\u00E9mu spo\u010D\u00EDv\u00E1 v zes\u00EDlen\u00ED bankovn\u00ED regulace a v zaji\u0161t\u011Bn\u00ED st\u00E1tn\u00EDch garanc\u00ED, nikoli ve snaze odstra\u0148ovat mor\u00E1ln\u00ED hazard s\u00E1m o sob\u011B."@cs . . . "Mor\u00E1ln\u00ED hazard: pohled skeptika" . "Borkovec, Ale\u0161" . . . "3/2009" . . "bank regulation; interest groups; moral hazard"@en . "Acta Universitatis Carolinae. Iuridica" . "CZ - \u010Cesk\u00E1 republika" . "Moral hazard: a sceptic's view"@en . . "11220" . "RIV/00216208:11220/10:00014832" . . "Mor\u00E1ln\u00ED hazard: pohled skeptika"@cs . "0323-0619" . . "RIV/00216208:11220/10:00014832!RIV11-MSM-11220___" . "1"^^ . "12"^^ . "Mor\u00E1ln\u00ED hazard: pohled skeptika" . "Mor\u00E1ln\u00ED hazard: pohled skeptika"@cs . "55" . "Moral hazard: a sceptic's view"@en . "1"^^ . "This article presents a skeptical view of resolving moral hazard. The article comprises the research into financial industry, as well as that into auto industry and industry of services; it also examines interest groups - managers, shareholders, employees and creditors - in connection with the undertaking of moral hazard. The article comes to the conclusion that in the behavior of managers, shareholders and employees there is, de facto, non-existence of moral hazard and, on the contrary, in the behavior of creditors moral hazard exists. Nevertheless, moral hazard of small creditors (common people) is inevitable. If an attempt to remove the moral hazard of small creditors is made, the creditors respond by not undertaking the action, that is they do not lend money. The solution to that problem is to strengthen bank regulation and offer government guarantees, not to attempt to remove the moral hazard itself."@en . "272599" . . . .