Latvijas iedz\u012bvot\u0101ju finan\u0161u prat\u012bba \u2013 izaicin\u0101jumi un realit\u0101te<\/p>\n
Latvijas Bankas Finan\u0161u prat\u012bbas da\u013cas vad\u012bt\u0101ja Aija Brik\u0161e nor\u0101da uz b\u016btisku k\u013c\u016bdu, ko daudzi Latvijas iedz\u012bvot\u0101ji pie\u013cauj sav\u0101 finan\u0161u pl\u0101no\u0161an\u0101: laika nenov\u0113rt\u0113\u0161ana un nepietiekama t\u0101 izmanto\u0161ana savu l\u012bdzek\u013cu lab\u0101. K\u0101 inform\u0113 port\u0101ls jauns.lv, \u0161\u012b tendence liecina par pla\u0161\u0101k\u0101m probl\u0113m\u0101m finan\u0161u prat\u012bbas jom\u0101 Latvij\u0101, kas tiek apliecin\u0101tas ar\u012b da\u017e\u0101dos p\u0113t\u012bjumos. Lai gan Latvijas iedz\u012bvot\u0101ju finan\u0161u prat\u012bbas indekss kopum\u0101 ir viduv\u0113js un atpaliek no OECD vid\u0113j\u0101 l\u012bme\u0146a, \u012bpa\u0161i satrauco\u0161a ir finan\u0161u zin\u0101\u0161anu indeksa samazin\u0101\u0161an\u0101s.<\/p>\n
P\u0113d\u0113jo gadu dati liecina, ka, lai gan finan\u0161u notur\u012bba pret satricin\u0101jumiem ir uzlabojusies, tom\u0113r pa\u0161u finan\u0161u zin\u0101\u0161anas ir pasliktin\u0101ju\u0161\u0101s. Tas \u012bpa\u0161i attiecas uz jaunie\u0161iem vecum\u0101 no 18 l\u012bdz 19 gadiem, k\u0101 ar\u012b uz person\u0101m ar zem\u0101ku izgl\u012bt\u012bbas l\u012bmeni. \u0160\u012b situ\u0101cija ir \u012bpa\u0161i j\u016btama, \u0146emot v\u0113r\u0101 ekonomisko vidi, kur\u0101 arvien svar\u012bg\u0101ka k\u013c\u016bst sp\u0113ja prognoz\u0113t un pl\u0101not ilgtermi\u0146\u0101, it \u012bpa\u0161i \u0146emot v\u0113r\u0101 infl\u0101cijas sv\u0101rst\u012bbas.<\/p>\n
Laika noz\u012bme finan\u0161u pl\u0101no\u0161an\u0101: Aijas Brik\u0161es skat\u012bjums<\/p>\n
Aija Brik\u0161e uzsver, ka bie\u017ei vien cilv\u0113ki neapzin\u0101s, cik liela noz\u012bme ir laikam, pl\u0101nojot savas finanses. Viens no galvenajiem iemesliem, k\u0101p\u0113c \u0161\u012b k\u013c\u016bda ir tik izplat\u012bta, ir tie\u0161i laika nenov\u0113rt\u0113\u0161ana. Tas noz\u012bm\u0113, ka cilv\u0113ki neiek\u013cauj savos pl\u0101nos pietiekami daudz laika, lai iepaz\u012btos ar finan\u0161u produktiem, sal\u012bdzin\u0101tu pied\u0101v\u0101jumus vai vienk\u0101r\u0161i rastu laiku p\u0101rdom\u0101t savus t\u0113ri\u0146us un ietaup\u012bjumus. Piem\u0113ram, nepietiekama laika pl\u0101no\u0161ana var novest pie neapdom\u012bgas aiz\u0146em\u0161an\u0101s vai neizdev\u012bgu finan\u0161u produktu izv\u0113les.<\/p>\n
Brik\u0161e skaidro, ka laika nenov\u0113rt\u0113\u0161ana bie\u017ei vien ir saist\u012bta ar cit\u0101m probl\u0113m\u0101m finan\u0161u prat\u012bb\u0101. Piem\u0113ram, zems finan\u0161u zin\u0101\u0161anu l\u012bmenis var likt cilv\u0113kiem dom\u0101t, ka vi\u0146i visu zina un saprot, t\u0101d\u0113j\u0101di neradot nepiecie\u0161am\u012bbu mekl\u0113t papildu inform\u0101ciju vai pavad\u012bt laiku, lai izprastu sare\u017e\u0123\u012bt\u0101kus finan\u0161u jaut\u0101jumus, k\u0101 saliktie procenti vai invest\u012bciju veidi. T\u0101pat svar\u012bgi ir apzin\u0101ties, ka bie\u017ei vien zin\u0101\u0161anas nenoz\u012bm\u0113 gudru r\u012bc\u012bbu \u2013 pat zinot, ka nauda ir j\u0101kr\u0101j, cilv\u0113ki to nedara.<\/p>\n
Latvijas iedz\u012bvot\u0101ju finan\u0161u prat\u012bba: kop\u0113jais skat\u012bjums un tendences<\/p>\n
Latvijas iedz\u012bvot\u0101ju finan\u0161u prat\u012bbas indekss p\u0113d\u0113jo gadu laik\u0101 ir saglab\u0101jies nemain\u012bgs, ap 61% no maksim\u0101li iesp\u0113jamo punktu skaita. Lai gan \u0161is r\u0101d\u012bt\u0101js ir sal\u012bdzin\u0101ms ar OECD vid\u0113jo l\u012bmeni, tom\u0113r v\u0113rojama tendence, ka finan\u0161u zin\u0101\u0161anas ir samazin\u0101ju\u0161\u0101s, savuk\u0101rt attieksme pret finans\u0113m un to pl\u0101no\u0161anu ilgtermi\u0146\u0101 ir uzlabojusies. Tas noz\u012bm\u0113, ka cilv\u0113ki ir gatav\u0101ki pl\u0101not, bet vi\u0146iem tr\u016bkst pamata zin\u0101\u0161anu, k\u0101 to dar\u012bt efekt\u012bvi.<\/p>\n
\u012apa\u0161i satrauco\u0161a ir situ\u0101cija ar digit\u0101lo finan\u0161u prat\u012bbu, kur\u0101 Latvijas iedz\u012bvot\u0101ji uzr\u0101da zem\u0101kus rezult\u0101tus nek\u0101 vid\u0113ji OECD valst\u012bs. Daudzi Latvijas iedz\u012bvot\u0101ji lieto digit\u0101los finan\u0161u produktus bez nepiecie\u0161amaj\u0101m prasm\u0113m un zin\u0101\u0161an\u0101m, lai to dar\u012btu dro\u0161i. Tas palielina risku iegrimt finan\u0161u kr\u0101pnieku lamat\u0101s.<\/p>\n
Ieteikumi un n\u0101kotnes perspekt\u012bvas<\/p>\n
Lai uzlabotu situ\u0101ciju, Latvijas Banka akt\u012bvi str\u0101d\u0101 pie finan\u0161u prat\u012bbas veicin\u0101\u0161anas iniciat\u012bv\u0101m. Tiek uzsv\u0113rts, ka svar\u012bgi ir ne tikai izgl\u012btot, bet ar\u012b veicin\u0101t praktisku r\u012bc\u012bbu un lab\u0101ku izpratni par to, k\u0101di faktori ietekm\u0113 iedz\u012bvot\u0101ju finan\u0161u l\u0113mumus. Tiek izstr\u0101d\u0101tas strat\u0113\u0123ijas, kas paredz cie\u0161\u0101ku sadarb\u012bbu starp instit\u016bcij\u0101m un pla\u0161\u0101ku visu iedz\u012bvot\u0101ju grupu iesaisti.<\/p>\n
Viens no galvenajiem ieteikumiem ir apzin\u0101ties laika v\u0113rt\u012bbu savu finan\u0161u pl\u0101no\u0161an\u0101. Tas noz\u012bm\u0113 atv\u0113l\u0113t laiku, lai izprastu finan\u0161u produktus, nov\u0113rt\u0113tu riskus un ieguvumus, k\u0101 ar\u012b regul\u0101ri sekotu l\u012bdzi saviem finan\u0161u m\u0113r\u0137iem. Ilgtermi\u0146a uzkr\u0101jumu veido\u0161ana un invest\u0113\u0161ana prasa paciet\u012bbu un zin\u0101\u0161anas, t\u0101p\u0113c laika pl\u0101no\u0161ana \u0161ajos procesos ir b\u016btiska. Lai gan infl\u0101cija ir izaicin\u0101jums, pareiza finan\u0161u pl\u0101no\u0161ana un laika efekt\u012bva izmanto\u0161ana var pal\u012bdz\u0113t mazin\u0101t t\u0101s negat\u012bvo ietekmi uz iedz\u012bvot\u0101ju finansi\u0101lo st\u0101vokli.<\/p>\n","protected":false},"excerpt":{"rendered":"Latvijas iedz\u012bvot\u0101ju finan\u0161u prat\u012bba \u2013 izaicin\u0101jumi un realit\u0101te Latvijas Bankas Finan\u0161u prat\u012bbas da\u013cas vad\u012bt\u0101ja Aija Brik\u0161e nor\u0101da uz…\n","protected":false},"author":2,"featured_media":91384,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[23021,77,76,20792,18015,23022,35,39,38,36,37,34,46,40],"class_list":{"0":"post-91383","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bizness","8":"tag-aija-brikse","9":"tag-bizness","10":"tag-business","11":"tag-finansu-planosana","12":"tag-finansu-pratiba","13":"tag-laika-nenovertesana","14":"tag-latvia","15":"tag-latvian","16":"tag-latviesu","17":"tag-latviesu-valoda","18":"tag-latviesuvaloda","19":"tag-latvija","20":"tag-latvijas-banka","21":"tag-lv"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/115818206460206677","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/91383","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=91383"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/91383\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/91384"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=91383"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=91383"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=91383"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}