{"id":4553,"date":"2025-07-15T08:07:15","date_gmt":"2025-07-15T06:07:15","guid":{"rendered":"https:\/\/ssad.statistics.sk\/SSaD\/?p=4553"},"modified":"2025-07-15T08:11:45","modified_gmt":"2025-07-15T06:11:45","slug":"determinanty-zadlzenosti-domacnosti-zistenia-na-zaklade-novych-dostupnych-slovenskych-mikro-dat","status":"publish","type":"post","link":"https:\/\/ssad.statistics.sk\/SSaD\/index.php\/determinanty-zadlzenosti-domacnosti-zistenia-na-zaklade-novych-dostupnych-slovenskych-mikro-dat\/","title":{"rendered":"Determinanty zadl\u017eenosti dom\u00e1cnost\u00ed \u2013 zistenia na z\u00e1klade nov\u00fdch dostupn\u00fdch slovensk\u00fdch mikro-d\u00e1t"},"content":{"rendered":"

Martin Cesnak, N\u00e1rodn\u00e1 banka Slovenska, Ekonomick\u00e1 univerzita v Bratislave, Slovensk\u00e1 republika
\nAndrej Cupak, N\u00e1rodn\u00e1 banka Slovenska, Ekonomick\u00e1 univerzita v Bratislave, Slovensk\u00e1 republika
\nJ\u00e1n Klacso, N\u00e1rodn\u00e1 banka Slovenska, Slovensk\u00e1 republika<\/p>\n

<\/p>\n

Typ \u010dl\u00e1nku: vedeck\u00fd \u010dl\u00e1nok
\nStrany: 47 – 71<\/p>\n

Abstrakt<\/h5>\n

Negat\u00edvny vplyv nadmernej zadl\u017eenosti dom\u00e1cnost\u00ed a s t\u00fdm spojen\u00e9ho v\u00fdvoja na trhu reziden\u010dn\u00fdch nehnute\u013enost\u00ed na finan\u010dn\u00fa stabilitu sa dostal do popredia po glob\u00e1lnej finan\u010dnej kr\u00edze v rokoch 2007 \u2013 2008. Akt\u00edvna makroprudenci\u00e1lna politika zaoberaj\u00faca sa t\u00fdmito rizikami, podporen\u00e1 aj odpor\u00fa\u010daniami medzin\u00e1rodn\u00fdch in\u0161tit\u00faci\u00ed, si \u017eiada \u010do najdetailnej\u0161ie \u00fadaje tak o dom\u00e1cnostiach, ako aj o trhu reziden\u010dn\u00fdch nehnute\u013enost\u00ed. Slovensko patrilo medzi eur\u00f3pske krajiny s najv\u00fdraznej\u0161\u00edm rastom syst\u00e9mov\u00fdch riz\u00edk v obdob\u00ed po finan\u010dnej kr\u00edze prakticky a\u017e do spr\u00edsnenia menovej politiky v roku 2022. Aj preto je d\u00f4le\u017eit\u00e9, \u017ee aktu\u00e1lne s\u00fa pre N\u00e1rodn\u00fa banku Slovenska dostupn\u00e9 granul\u00e1rne mikro\u00fadaje, ktor\u00e9 umo\u017e\u0148uj\u00fa sledova\u0165 v\u00fdvoj zadl\u017eenosti jednotliv\u00fdch dom\u00e1cnost\u00ed.
\nV pr\u00edspevku predstavujeme \u00fadaje zo zis\u0165ovania o financi\u00e1ch a spotrebe dom\u00e1cnost\u00ed a \u00fadaje o \u00faveroch fyzick\u00fdm osob\u00e1m a ich pou\u017eit\u00edm odhadujeme hlavn\u00e9 determinanty zadl\u017eenosti slovensk\u00fdch dom\u00e1cnost\u00ed. Ukazuje sa, \u017ee v\u00fdznamn\u00e9 \u00falohy pri zadl\u017een\u00ed sa aj pre intenzitu zadl\u017eenia zohr\u00e1vaj\u00fa mnoh\u00e9 finan\u010dn\u00e9, ako aj sociodemografick\u00e9 parametre, ak\u00fdm je v\u00fd\u0161ka pr\u00edjmu, vzdelanie alebo forma ekonomickej aktivity.<\/p>\n

\n

\u010cl\u00e1nok na stiahnutie<\/span>
\n<\/i> PDF<\/a> (2,2 MB, 280 stiahnut\u00ed)<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Martin Cesnak, N\u00e1rodn\u00e1 banka Slovenska, Ekonomick\u00e1 univerzita v Bratislave, Slovensk\u00e1 republika Andrej Cupak, N\u00e1rodn\u00e1 banka Slovenska, Ekonomick\u00e1 univerzita v Bratislave, Slovensk\u00e1 republika J\u00e1n Klacso, N\u00e1rodn\u00e1 banka Slovenska, Slovensk\u00e1 republika<\/p>\n","protected":false},"author":8,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[1986],"tags":[2016,884,2006,1161,2008,2009,2010,1160],"class_list":["post-4553","post","type-post","status-publish","format-standard","hentry","category-3-2025-vedecke-clanky","tag-autor-andrej-cupak","tag-autor-jan-klacso","tag-autor-martin-cesnak","tag-hfcs","tag-mikrodata","tag-registrove-data","tag-uvery-fyzickym-osobam","tag-zadlzenost-domacnosti"],"_links":{"self":[{"href":"https:\/\/ssad.statistics.sk\/SSaD\/index.php\/wp-json\/wp\/v2\/posts\/4553","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ssad.statistics.sk\/SSaD\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ssad.statistics.sk\/SSaD\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ssad.statistics.sk\/SSaD\/index.php\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/ssad.statistics.sk\/SSaD\/index.php\/wp-json\/wp\/v2\/comments?post=4553"}],"version-history":[{"count":2,"href":"https:\/\/ssad.statistics.sk\/SSaD\/index.php\/wp-json\/wp\/v2\/posts\/4553\/revisions"}],"predecessor-version":[{"id":4556,"href":"https:\/\/ssad.statistics.sk\/SSaD\/index.php\/wp-json\/wp\/v2\/posts\/4553\/revisions\/4556"}],"wp:attachment":[{"href":"https:\/\/ssad.statistics.sk\/SSaD\/index.php\/wp-json\/wp\/v2\/media?parent=4553"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ssad.statistics.sk\/SSaD\/index.php\/wp-json\/wp\/v2\/categories?post=4553"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ssad.statistics.sk\/SSaD\/index.php\/wp-json\/wp\/v2\/tags?post=4553"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}