[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.meral.sk\/zmenka-ako-platobny-nastroj\/#Article","mainEntityOfPage":"https:\/\/www.meral.sk\/zmenka-ako-platobny-nastroj\/","headline":"Zmenka ako platobn\u00fd n\u00e1stroj","name":"Zmenka ako platobn\u00fd n\u00e1stroj","description":"S pojmom zmenka sa naj\u010dastej\u0161ie stretneme v oblasti medzin\u00e1rodn\u00e9ho platobn\u00e9ho styku, ale v niektor\u00fdch pr\u00edpadoch aj tuzemsk\u00e9ho. Zmenka sa vo v\u0161eobecnosti pova\u017euje za \u00faverov\u00fd a platobn\u00fd n\u00e1stroj, teda cenn\u00fd papier, ktor\u00fd je ur\u010den\u00fd na obchodovanie. M\u00f4\u017ee tie\u017e sl\u00fa\u017ei\u0165 ako prostriedok napr\u00edklad na platenie, z\u00edskanie obchodn\u00e9ho alebo bankov\u00e9ho \u00faveru, zabezpe\u010denie \u00faveru, z\u00edskavanie hotovosti eskontom, to znamen\u00e1, […]","datePublished":"2022-12-09","dateModified":"2022-12-09","author":{"@type":"Person","@id":"https:\/\/www.meral.sk\/author\/#Person","name":"","url":"https:\/\/www.meral.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/65248d4269af31fa3fa693ee3fd479d0960b985d370ed586e59378332be7a3ce?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/65248d4269af31fa3fa693ee3fd479d0960b985d370ed586e59378332be7a3ce?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"meral.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.meral.sk\/wp-content\/uploads\/coins-gdb70c3dba_1920.jpg","url":"https:\/\/www.meral.sk\/wp-content\/uploads\/coins-gdb70c3dba_1920.jpg","height":0,"width":0},"url":"https:\/\/www.meral.sk\/zmenka-ako-platobny-nastroj\/","wordCount":388,"articleBody":"   S pojmom zmenka sa naj\u010dastej\u0161ie stretneme v oblasti medzin\u00e1rodn\u00e9ho platobn\u00e9ho styku, ale v niektor\u00fdch pr\u00edpadoch aj tuzemsk\u00e9ho. Zmenka sa vo v\u0161eobecnosti pova\u017euje za \u00faverov\u00fd a platobn\u00fd n\u00e1stroj, teda cenn\u00fd papier, ktor\u00fd je ur\u010den\u00fd na obchodovanie. M\u00f4\u017ee tie\u017e sl\u00fa\u017ei\u0165 ako prostriedok napr\u00edklad na platenie, z\u00edskanie obchodn\u00e9ho alebo bankov\u00e9ho \u00faveru, zabezpe\u010denie \u00faveru, z\u00edskavanie hotovosti eskontom, to znamen\u00e1, predajom banke, pred lehotou jej splatnosti. Je to teda cenn\u00fd papier, ktor\u00fd obsahuje z\u00e1v\u00e4zok vystavite\u013ea uhradi\u0165 ur\u010dit\u00fa pe\u0148a\u017en\u00fa sumu, na dohodnutom miest a v ur\u010ditom \u010dase majite\u013eovi tejto zmenky. Vystupuj\u00fa tu tri subjekty, a to: vystavite\u013e – majite\u013e zmenky, verite\u013e, zmenkovn\u00edk a zmenkov\u00fd ru\u010dite\u013e – avalista. Vo v\u0161eobecnosti rozli\u0161ujeme zmenky na dva z\u00e1kladn\u00e9 druhy:Vlastn\u00e1 zmenky, ktorou sa vystavite\u013e zav\u00e4zuje uhradi\u0165 z\u00e1v\u00e4zok verite\u013eovi, teda majite\u013eovi zmenky, v ur\u010ditom \u010dase a mieste. Stret\u00e1vame sa tu len s dvomi subjektami, a to je verite\u013e a dl\u017en\u00edk (vystavite\u013e). Na tejto zmenke mus\u00ed by\u0165 jasne uveden\u00e9: “za t\u00fato zmenku zaplat\u00edm”. Cudzia zmenka, naz\u00fdvan\u00e1 aj trata, predstavuje bezpodmiene\u010dn\u00fd pr\u00edkaz vystavite\u013ea zmenky ako z\u00e1v\u00e4zok vo\u010di tretej osobe, v\u00e4\u010d\u0161inou banke, aby vyplatila dan\u00fa pe\u0148a\u017en\u00fa sumu osobe uvedenej na zmenke, v stanoven\u00fd \u010das a na stanovenom mieste. Vystupuj\u00fa tu teda tri subjekty. Zmenka sa st\u00e1va platnou podp\u00edsan\u00edm sa v\u0161etk\u00fdch zasiahnut\u00fdch str\u00e1n.N\u00e1le\u017eitosti platnej zmenky:zmenka mus\u00ed vyjadrova\u0165 bezpodmiene\u010dn\u00fd pr\u00edkaz zaplati\u0165, resp. pr\u00eds\u013eub (z\u00e1v\u00e4zok) zaplati\u0165 ur\u010dit\u00fa sumu, vyjadren\u00fa slovom aj \u010d\u00edslom v pr\u00edslu\u0161nej mene,mus\u00ed by\u0165 na nej uveden\u00e9 meno dl\u017en\u00edka, toho kto m\u00e1 zaplati\u0165, a meno prij\u00edmate\u013ea pe\u0148a\u017enej \u010diastky,\u010falej d\u00e1tum a miesto vystavenia danej zmenky,podpisy v\u0161etk\u00fdch z\u00fa\u010dastnen\u00fdch str\u00e1n overen\u00e9 not\u00e1rom.Pri zmenkov\u00fdch vz\u0165ahoch je mo\u017en\u00e9 prijatie cudzej zmenky, \u017ee dl\u017en\u00edk navrhne len \u010diasto\u010dn\u00e9 plnenie zmenky, v tomto pr\u00edpade druh\u00e1 strana nesmie tento n\u00e1vrh odmietnu\u0165. Zmenka sa naj\u010dastej\u0161ie uhr\u00e1dza v hotovosti, ale po vz\u00e1jomnej dohode je mo\u017en\u00e1 \u00fahrada aj na bankov\u00fd \u00fa\u010det alebo prevodom.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Zmenka ako platobn\u00fd n\u00e1stroj","item":"https:\/\/www.meral.sk\/zmenka-ako-platobny-nastroj\/#breadcrumbitem"}]}]