Latvie\u0161u attieksme pret naudu main\u0101s: vai bag\u0101t\u012bbu vairs nevajag demoniz\u0113t?<\/p>\n
P\u0113d\u0113j\u0101 laik\u0101 Latvij\u0101 arvien vair\u0101k cilv\u0113ku s\u0101k piev\u0113rst uzman\u012bbu uzkr\u0101jumu veido\u0161anai un invest\u0113\u0161anai, tom\u0113r sabiedr\u012bbas da\u013c\u0101 joproj\u0101m valda skeptiskums un aizdom\u012bgums pret naudas peln\u012b\u0161anu un bag\u0101t\u012bbu kopum\u0101. SEB bankas vad\u012bt\u0101ja Latvij\u0101, Ieva Tetere, raid\u012bjum\u0101 “N\u0101kotnes kapit\u0101ls” dal\u0101s p\u0101rdom\u0101s par to, k\u0101 main\u0101s latvie\u0161u attieksme pret finans\u0113m, k\u0101p\u0113c nevajadz\u0113tu baid\u012bties no veiksm\u012bgas finansi\u0101l\u0101s situ\u0101cijas un ko uz\u0146\u0113m\u0113ju noska\u0146ojums prognoz\u0113 par 2026. gadu.<\/p>\n
Main\u012bg\u0101 attieksme pret finans\u0113m: no aizdom\u0101m l\u012bdz atbild\u012bbai<\/p>\n
V\u0113sturiski Latvij\u0101 daudziem dzi\u013ci iesak\u0146ojies uzskats “par\u0101ds nav br\u0101lis”, kas bie\u017ei vien ir rad\u012bjis negat\u012bvu pieska\u0146u ar\u012b pret pa\u0161u naudas peln\u012b\u0161anas procesu. Ieva Tetere nor\u0101da, ka \u0161\u012b mentalit\u0101te pak\u0101peniski main\u0101s. “Finan\u0161u prat\u012bbas pamati jaunie\u0161u vid\u016b nav pietiekami apg\u016bti,” atz\u012bst SEB bankas Priv\u0101tpersonu segmenta m\u0101rketinga vad\u012bt\u0101js Kristaps Sadovskis, tom\u0113r vienlaikus redzams pieaugo\u0161s intere\u0161u l\u012bmenis par uzkr\u0101jumu veido\u0161anu un ilgtsp\u0113j\u012bgu att\u012bst\u012bbu. Vi\u0146a ar\u012b uzsver, ka banka cen\u0161as b\u016bt zin\u0101\u0161anu nes\u0113js sabiedr\u012bb\u0101, veicinot finan\u0161u prat\u012bbas pieaugumu un pal\u012bdzot cilv\u0113kiem pie\u0146emt uz zin\u0101\u0161an\u0101m balst\u012btus l\u0113mumus. <\/p>\n
Neskatoties uz pieaugo\u0161o interesi par finan\u0161u pl\u0101no\u0161anu, statistika liecina, ka, lai gan Latvijas m\u0101jsaimniec\u012bbu uzkr\u0101jumu un noguld\u012bjumu kop\u0113jais apm\u0113rs turpina pieaugt, samazin\u0101s to cilv\u0113ku skaits, kuri akt\u012bvi pl\u0101no savu bud\u017eetu. \u0160is paradokss nor\u0101da, ka ir nepiecie\u0161ams ne tikai veidot uzkr\u0101jumus, bet ar\u012b att\u012bst\u012bt prasmes efekt\u012bvi p\u0101rvald\u012bt savus finan\u0161u l\u012bdzek\u013cus. K\u0101 skaidro SEB bankas finan\u0161u prat\u012bbas mentore Linda \u0160ablinska, viens no efekt\u012bv\u0101kajiem veidiem, k\u0101 to pan\u0101kt, ir princips “vispirms samaks\u0101 sev” \u2013 t\u0101tad pirms citu t\u0113ri\u0146u veik\u0161anas atlikt da\u013cu no ien\u0101kumiem uzkr\u0101jumiem vai invest\u012bcij\u0101m. <\/p>\n
Bag\u0101t\u012bbas demoniz\u0101cija un t\u0101s sekas<\/p>\n
Tetere aicina nepamatoti neizol\u0113t bag\u0101t\u012bbu vai veiksm\u012bgu cilv\u0113ku dz\u012bvesveidu. Vi\u0146a uzsver, ka finan\u0161u nozares ilgtermi\u0146a perspekt\u012bv\u0101 nav priek\u0161gal\u0101, lai gan banku pe\u013c\u0146a ir sv\u0101rst\u012bga. Banku darb\u012bba, tostarp pe\u013c\u0146a un kapit\u0101la atdeve, j\u0101v\u0113rt\u0113 ilgtermi\u0146\u0101. Uz\u0146\u0113m\u0113ju noska\u0146ojums ir piesardz\u012bgs, kas atspogu\u013co neizmantotas att\u012bst\u012bbas iesp\u0113jas. <\/p>\n
Vi\u0146a ar\u012b atz\u012bst, ka politi\u0137u l\u0113mumi var padzi\u013cin\u0101t plaisu starp tur\u012bgiem un maz\u0101k tur\u012bgiem cilv\u0113kiem, un tie\u0161a politiska intervence tirgus cenu meh\u0101nism\u0101, piem\u0113ram, hipot\u0113ku likmju “atlaides”, var rad\u012bt b\u012bstamas sekas Latvijas ekonomikai. Bankas vad\u012bt\u0101ja ir p\u0101rliecin\u0101ta, ka vesel\u012bg\u0101 ekonomik\u0101 ir j\u0101b\u016bt iesp\u0113j\u0101m aiz\u0146emties ar\u012b \u0101rpus banku sektora, tom\u0113r \u0161iem aizdev\u0113jiem ir j\u0101b\u016bt uzraudz\u012btiem, lai izvair\u012btos no nepat\u012bkamiem p\u0101rsteigumiem. <\/p>\n
N\u0101kotnes perspekt\u012bvas: piesardz\u012bba un ilgtsp\u0113ja<\/p>\n
Run\u0101jot par 2026. gadu, Tetere prognoz\u0113, ka ekonomisk\u0101 situ\u0101cija joproj\u0101m b\u016bs trausla. Lai gan infl\u0101cija mazin\u0101s un Eiropas Centr\u0101l\u0101 banka (ECB) var\u0113tu s\u0101kt procentu likmju samazin\u0101\u0161anu n\u0101kam\u0101 gada pirmaj\u0101 pus\u0113, ekonomisk\u0101 vide prasa piesardz\u012bbu. “Uz\u0146\u0113mumu noguld\u012bjumos joproj\u0101m v\u0113rojams pieaugums, savuk\u0101rt piepras\u012bjums p\u0113c kredit\u0113\u0161anas samazin\u0101s, kas atspogu\u013co \u013coti piesardz\u012bgu invest\u012bciju vidi un neizmantotas att\u012bst\u012bbas iesp\u0113jas,” skaidro Tetere. <\/p>\n
Neskatoties uz ekonomisko nenoteikt\u012bbu, Tetere pau\u017e gandar\u012bjumu par pieaugo\u0161o interesi par za\u013co kredit\u0113\u0161anu un ilgtsp\u0113j\u012bgu att\u012bst\u012bbu. Vi\u0146a uzsver, ka “SEB banka” turpin\u0101s veidot notur\u012bgas ilgtermi\u0146a attiec\u012bbas ar klientiem, ievie\u0161ot v\u0113rt\u012bgus tehnolo\u0123iskos jaunin\u0101jumus un saglab\u0101jot klientu vajadz\u012bbas uzman\u012bbas centr\u0101. Banka ar\u012b sniedz ilgtsp\u0113jas konsult\u0101cijas uz\u0146\u0113mumiem, lai pal\u012bdz\u0113tu tiem saskat\u012bt jaunas biznesa iesp\u0113jas un p\u0101rvald\u012bt riskus. <\/p>\n
Kopum\u0101 “SEB bankas” vad\u012bt\u0101ja aicina sabiedr\u012bbu main\u012bt savu attieksmi pret naudu, nebaidoties no uzkr\u0101jumu veido\u0161anas un sapr\u0101t\u012bgas ieguld\u012b\u0161anas, un vienlaikus uzsver nepiecie\u0161am\u012bbu p\u0113c atbild\u012bgas un ilgtsp\u0113j\u012bgas pieejas gan individu\u0101laj\u0101s finans\u0113s, gan visas tautsaimniec\u012bbas att\u012bst\u012bb\u0101.<\/p>\n","protected":false},"excerpt":{"rendered":"Latvie\u0161u attieksme pret naudu main\u0101s: vai bag\u0101t\u012bbu vairs nevajag demoniz\u0113t? P\u0113d\u0113j\u0101 laik\u0101 Latvij\u0101 arvien vair\u0101k cilv\u0113ku s\u0101k piev\u0113rst…\n","protected":false},"author":2,"featured_media":70938,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[77,76,18015,18014,18016,35,39,38,36,37,34,40,11630,9515],"class_list":{"0":"post-70937","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bizness","8":"tag-bizness","9":"tag-business","10":"tag-finansu-pratiba","11":"tag-ieva-tetere","12":"tag-investesana","13":"tag-latvia","14":"tag-latvian","15":"tag-latviesu","16":"tag-latviesu-valoda","17":"tag-latviesuvaloda","18":"tag-latvija","19":"tag-lv","20":"tag-seb-banka","21":"tag-uzkrajumi"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/115696557242217591","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/70937","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/comments?post=70937"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/70937\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/70938"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=70937"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=70937"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=70937"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}