{"id":20773,"date":"2017-10-30T11:13:04","date_gmt":"2017-10-30T10:13:04","guid":{"rendered":"http:\/\/www.bilten.org\/?p=20773"},"modified":"2017-10-30T11:15:15","modified_gmt":"2017-10-30T10:15:15","slug":"misterij-sintagme-stednja-gradana","status":"publish","type":"post","link":"https:\/\/www.bilten.org\/?p=20773","title":{"rendered":"Misterij sintagme &#8220;\u0161tednja gra\u0111ana&#8221;"},"content":{"rendered":"<p>Gotovo da nema relevantnijeg hrvatskog medija koji jutros nije <a href=\"https:\/\/www.tportal.hr\/biznis\/clanak\/niske-kamatne-stope-u-bankama-tjeraju-gradane-na-alternativne-oblike-ulaganja-20171030\" target=\"_blank\">prenio vijest<\/a> Hrvatske informativne agencije (HINA) o \u0161tednji gra\u0111ana u bankama. Vijest je motivirana sutra\u0161njim Svjetskim danom \u0161tednje. U samom \u010dlanku mo\u017eemo saznati dosta o trendovima u \u0161tednji u Hrvatskoj, a zasniva se na podacima Hrvatske narodne banke (HNB) i Hrvatske udruge banaka (HUB) te na istra\u017eivanju o navikama \u0161tednje koje je za Erste banku provela agencija IMAS.<\/p>\n<p>Klju\u010dan je podatak, ako usporedimo kraj kolovoza pro\u0161le godine s istim mjesecom ove godine, onaj o padu ukupnog depozita. S tim da se taj pad mo\u017ee pripisati smanjenju deviznih i depozita s valutnom klauzulom, dok je ukupni kunski depozit blago porastao. Primjetan i osjetno manji udio oro\u010denih depozita. Takve trendove analiti\u010dari HNB-a pripisuju niskim kamatnim stopama na oro\u010dene depozite, kao i uvo\u0111enju poreza na kamatu na \u0161tednju, \u010dime se \u0161tednja demotivira i poti\u010de na traganje za alternativnim ulaganjima.<\/p>\n<p><strong>Radionice za djecu<\/strong><\/p>\n<p>Tako\u0111er, \u010dlanak nam nudi i informacije o alternativnim ulaganjima, o kretanjima \u0161tednje u zadnjih 25 godina, kao i o prosje\u010dnom iznosu \u0161tednje u usporedbi s ostalim europskim zemljama. Me\u0111utim, ono \u0161to frapantno izostaje u samom \u010dlanku jest struktura sama \u0161tednje: koliko od ukupnog depozita, na primjer, je u rukama 10% najve\u0107ih \u0161tedi\u0161a? Li\u0161enih takvih podataka, dobivamo krajnje socijalno praznu sliku, imunu na razine dru\u0161tvene nejednakosti. Pod \u0161ifrom &#8220;\u0161tednja gra\u0111ana&#8221; name\u0107e se prikaz \u0161tednje kao osobnog odabira, a ne kao mogu\u0107nosti zasnovanoj na dostupnosti financijskih sredstava.<\/p>\n<p>Zato nije ni \u010dudno da \u010dlanak zavr\u0161ava promoviranjem radionica \u0161tednje. U sklopu me\u0111unarodnog programa &#8220;Umjetnost \u0161tednje&#8221;, Privredna banka Zagreb \u0107e u 20 osnovnih \u0161kola u 9 hrvatskih gradova organizirati radionice &#8220;Djeca i \u0161tednja&#8221; i &#8220;Ti odlu\u010duje\u0161&#8221;. Ako ve\u0107 ne mo\u017eemo saznati kakve dru\u0161tvene nejednakosti \u0161tednja skriva, barem \u0107e dijete u\u010ditelja i dijete bankara na radionicama imati jednak pristup obrazovanju o \u0161tednji. Pa tko bude bolji nek pobijedi.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Gotovo da nema relevantnijeg hrvatskog medija koji jutros nije prenio vijest Hrvatske informativne agencije (HINA) o \u0161tednji gra\u0111ana u bankama. Vijest je motivirana sutra\u0161njim Svjetskim danom \u0161tednje. U samom \u010dlanku mo\u017eemo saznati dosta o trendovima u \u0161tednji u Hrvatskoj, a zasniva se na podacima Hrvatske narodne banke (HNB) i Hrvatske udruge banaka (HUB) te na [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":20775,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[228],"theme":[455],"country":[38],"articleformat":[205],"coauthors":[291],"class_list":["post-20773","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-ekonomija","theme-rad","country-hrvatska","articleformat-vijest"],"_links":{"self":[{"href":"https:\/\/www.bilten.org\/index.php?rest_route=\/wp\/v2\/posts\/20773","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bilten.org\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bilten.org\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bilten.org\/index.php?rest_route=\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilten.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=20773"}],"version-history":[{"count":1,"href":"https:\/\/www.bilten.org\/index.php?rest_route=\/wp\/v2\/posts\/20773\/revisions"}],"predecessor-version":[{"id":20774,"href":"https:\/\/www.bilten.org\/index.php?rest_route=\/wp\/v2\/posts\/20773\/revisions\/20774"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bilten.org\/index.php?rest_route=\/wp\/v2\/media\/20775"}],"wp:attachment":[{"href":"https:\/\/www.bilten.org\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=20773"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilten.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=20773"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilten.org\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=20773"},{"taxonomy":"theme","embeddable":true,"href":"https:\/\/www.bilten.org\/index.php?rest_route=%2Fwp%2Fv2%2Ftheme&post=20773"},{"taxonomy":"country","embeddable":true,"href":"https:\/\/www.bilten.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcountry&post=20773"},{"taxonomy":"articleformat","embeddable":true,"href":"https:\/\/www.bilten.org\/index.php?rest_route=%2Fwp%2Fv2%2Farticleformat&post=20773"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.bilten.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcoauthors&post=20773"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}