{"id":60915,"date":"2023-12-08T20:22:24","date_gmt":"2023-12-08T11:22:24","guid":{"rendered":"https:\/\/monolith.law\/cs\/?p=60915"},"modified":"2024-03-21T21:24:20","modified_gmt":"2024-03-21T12:24:20","slug":"live-streaming-throw-money","status":"publish","type":"post","link":"https:\/\/monolith.law\/cs\/general-corporate\/live-streaming-throw-money","title":{"rendered":"Pr\u00e1vn\u00ed probl\u00e9my a nezbytn\u00e9 podm\u00ednky pro zaveden\u00ed slu\u017eby pro h\u00e1zen\u00ed minc\u00ed prost\u0159ednictv\u00edm vys\u00edl\u00e1n\u00ed"},"content":{"rendered":"\n<p>V posledn\u00ed dob\u011b jsou velmi obl\u00edben\u00e9 aplikace pro \u017eiv\u00e9 vys\u00edl\u00e1n\u00ed, kde je mo\u017en\u00e9 pos\u00edlat pen\u011b\u017en\u00ed dary, jako nap\u0159\u00edklad 17LIVE nebo Pococha.<\/p>\n\n\n\n<p>Slu\u017eba pos\u00edl\u00e1n\u00ed pen\u011b\u017en\u00edch dar\u016f, nyn\u00ed zn\u00e1m\u00e1 jako &#8220;Superchat&#8221; na YouTube, z\u00edsk\u00e1v\u00e1 na popularit\u011b, ale p\u0159i zah\u00e1jen\u00ed takov\u00e9 slu\u017eby je t\u0159eba v\u011bnovat pozornost pr\u00e1vn\u00edm aspekt\u016fm v souvislosti s japonsk\u00fdm z\u00e1konem o platebn\u00edch slu\u017eb\u00e1ch.<\/p>\n\n\n\n<p>V tomto \u010dl\u00e1nku vysv\u011btl\u00edme, na co by m\u011bli lid\u00e9, kte\u0159\u00ed zva\u017euj\u00ed zah\u00e1jen\u00ed slu\u017eby pos\u00edl\u00e1n\u00ed pen\u011b\u017en\u00edch dar\u016f, v\u011bnovat pozornost p\u0159i jej\u00edm provozov\u00e1n\u00ed, a to s ohledem na ned\u00e1vn\u00e9 zm\u011bny v japonsk\u00e9m z\u00e1kon\u011b o platebn\u00edch slu\u017eb\u00e1ch.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_53 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/monolith.law\/cs\/general-corporate\/live-streaming-throw-money\/#Co_je_to_sluzba_%E2%80%9Ctipovani%E2%80%9D\" title=\"Co je to slu\u017eba &#8220;tipov\u00e1n\u00ed&#8221;\">Co je to slu\u017eba &#8220;tipov\u00e1n\u00ed&#8221;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/monolith.law\/cs\/general-corporate\/live-streaming-throw-money\/#Registrace_je_nutna_pro_sluzby_s_tipy\" title=\"Registrace je nutn\u00e1 pro slu\u017eby s tipy\">Registrace je nutn\u00e1 pro slu\u017eby s tipy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/monolith.law\/cs\/general-corporate\/live-streaming-throw-money\/#Jak_provozovat_sluzbu_tipovani_bez_registrace_v_oboru_prevodu_penez\" title=\"Jak provozovat slu\u017ebu tipov\u00e1n\u00ed bez registrace v oboru p\u0159evodu pen\u011bz\">Jak provozovat slu\u017ebu tipov\u00e1n\u00ed bez registrace v oboru p\u0159evodu pen\u011bz<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/monolith.law\/cs\/general-corporate\/live-streaming-throw-money\/#Vydavani_predplacenych_platebnich_prostredku\" title=\"Vyd\u00e1v\u00e1n\u00ed p\u0159edplacen\u00fdch platebn\u00edch prost\u0159edk\u016f\">Vyd\u00e1v\u00e1n\u00ed p\u0159edplacen\u00fdch platebn\u00edch prost\u0159edk\u016f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/monolith.law\/cs\/general-corporate\/live-streaming-throw-money\/#Povinnosti_vydavatelu_predplacenych_platebnich_prostredku\" title=\"Povinnosti vydavatel\u016f p\u0159edplacen\u00fdch platebn\u00edch prost\u0159edk\u016f\">Povinnosti vydavatel\u016f p\u0159edplacen\u00fdch platebn\u00edch prost\u0159edk\u016f<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/monolith.law\/cs\/general-corporate\/live-streaming-throw-money\/#Sluzby_zastupovani_v_inkasu_ktere_v_podstate_provadeji_prevody_mezi_jednotlivci_se_stavaji_cilem_pro_prevod_penez_diky_zmene_zakona\" title=\"Slu\u017eby zastupov\u00e1n\u00ed v inkasu, kter\u00e9 v podstat\u011b prov\u00e1d\u011bj\u00ed p\u0159evody mezi jednotlivci, se st\u00e1vaj\u00ed c\u00edlem pro p\u0159evod pen\u011bz d\u00edky zm\u011bn\u011b z\u00e1kona\">Slu\u017eby zastupov\u00e1n\u00ed v inkasu, kter\u00e9 v podstat\u011b prov\u00e1d\u011bj\u00ed p\u0159evody mezi jednotlivci, se st\u00e1vaj\u00ed c\u00edlem pro p\u0159evod pen\u011bz d\u00edky zm\u011bn\u011b z\u00e1kona<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/monolith.law\/cs\/general-corporate\/live-streaming-throw-money\/#Registrace_a_povinnosti_po_registraci_v_oblasti_prevodu_penez\" title=\"Registrace a povinnosti po registraci v oblasti p\u0159evodu pen\u011bz\">Registrace a povinnosti po registraci v oblasti p\u0159evodu pen\u011bz<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/monolith.law\/cs\/general-corporate\/live-streaming-throw-money\/#Hlavni_pozadavky_na_registraci_poskytovatelu_sluzeb_prevodu_penez\" title=\"Hlavn\u00ed po\u017eadavky na registraci poskytovatel\u016f slu\u017eeb p\u0159evodu pen\u011bz\">Hlavn\u00ed po\u017eadavky na registraci poskytovatel\u016f slu\u017eeb p\u0159evodu pen\u011bz<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/monolith.law\/cs\/general-corporate\/live-streaming-throw-money\/#1_Byt_%E2%80%9Cakciovou_spolecnosti%E2%80%9D_nebo_%E2%80%9Czahranicnim_poskytovatelem_sluzeb_prevodu_penez_s_pobockou_v_Japonsku%E2%80%9D\" title=\"1. B\u00fdt &#8220;akciovou spole\u010dnost\u00ed&#8221; nebo &#8220;zahrani\u010dn\u00edm poskytovatelem slu\u017eeb p\u0159evodu pen\u011bz s pobo\u010dkou v Japonsku&#8221;\">1. B\u00fdt &#8220;akciovou spole\u010dnost\u00ed&#8221; nebo &#8220;zahrani\u010dn\u00edm poskytovatelem slu\u017eeb p\u0159evodu pen\u011bz s pobo\u010dkou v Japonsku&#8221;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/monolith.law\/cs\/general-corporate\/live-streaming-throw-money\/#2_Mit_%E2%80%9Cfinancni_zakladnu_ktera_je_povazovana_za_nezbytnou_pro_radne_a_spolehlive_provadeni_sluzeb_prevodu_penez%E2%80%9D\" title=\"2. M\u00edt &#8220;finan\u010dn\u00ed z\u00e1kladnu, kter\u00e1 je pova\u017eov\u00e1na za nezbytnou pro \u0159\u00e1dn\u00e9 a spolehliv\u00e9 prov\u00e1d\u011bn\u00ed slu\u017eeb p\u0159evodu pen\u011bz&#8221;\">2. M\u00edt &#8220;finan\u010dn\u00ed z\u00e1kladnu, kter\u00e1 je pova\u017eov\u00e1na za nezbytnou pro \u0159\u00e1dn\u00e9 a spolehliv\u00e9 prov\u00e1d\u011bn\u00ed slu\u017eeb p\u0159evodu pen\u011bz&#8221;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/monolith.law\/cs\/general-corporate\/live-streaming-throw-money\/#3_%E2%80%9CZavedeni_systemu_pro_radne_a_spolehlive_provadeni_sluzeb_prevodu_penez%E2%80%9D_a_%E2%80%9CZavedeni_systemu_nezbytneho_pro_dodrzovani_ustanoveni_kapitoly_3_Prevod_penez%E2%80%9D\" title=\"3. &#8220;Zaveden\u00ed syst\u00e9mu pro \u0159\u00e1dn\u00e9 a spolehliv\u00e9 prov\u00e1d\u011bn\u00ed slu\u017eeb p\u0159evodu pen\u011bz&#8221; a &#8220;Zaveden\u00ed syst\u00e9mu nezbytn\u00e9ho pro dodr\u017eov\u00e1n\u00ed ustanoven\u00ed kapitoly 3 P\u0159evod pen\u011bz&#8221;\">3. &#8220;Zaveden\u00ed syst\u00e9mu pro \u0159\u00e1dn\u00e9 a spolehliv\u00e9 prov\u00e1d\u011bn\u00ed slu\u017eeb p\u0159evodu pen\u011bz&#8221; a &#8220;Zaveden\u00ed syst\u00e9mu nezbytn\u00e9ho pro dodr\u017eov\u00e1n\u00ed ustanoven\u00ed kapitoly 3 P\u0159evod pen\u011bz&#8221;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/monolith.law\/cs\/general-corporate\/live-streaming-throw-money\/#4_Nepouzivat_obchodni_nazev_nebo_nazev_ktery_je_stejny_nebo_podobny_jako_u_jinych_poskytovatelu_sluzeb_prevodu_penez\" title=\"4. Nepou\u017e\u00edvat obchodn\u00ed n\u00e1zev nebo n\u00e1zev, kter\u00fd je stejn\u00fd nebo podobn\u00fd jako u jin\u00fdch poskytovatel\u016f slu\u017eeb p\u0159evodu pen\u011bz\">4. Nepou\u017e\u00edvat obchodn\u00ed n\u00e1zev nebo n\u00e1zev, kter\u00fd je stejn\u00fd nebo podobn\u00fd jako u jin\u00fdch poskytovatel\u016f slu\u017eeb p\u0159evodu pen\u011bz<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/monolith.law\/cs\/general-corporate\/live-streaming-throw-money\/#Povinnosti_po_registraci_poskytovatelu_sluzeb_prevodu_penez\" title=\"Povinnosti po registraci poskytovatel\u016f slu\u017eeb p\u0159evodu pen\u011bz\">Povinnosti po registraci poskytovatel\u016f slu\u017eeb p\u0159evodu pen\u011bz<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/monolith.law\/cs\/general-corporate\/live-streaming-throw-money\/#1_Zajisteni_vykonnostni_zaruky\" title=\"1. Zaji\u0161t\u011bn\u00ed v\u00fdkonnostn\u00ed z\u00e1ruky\">1. Zaji\u0161t\u011bn\u00ed v\u00fdkonnostn\u00ed z\u00e1ruky<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/monolith.law\/cs\/general-corporate\/live-streaming-throw-money\/#2_Opatreni_na_ochranu_uzivatelu\" title=\"2. Opat\u0159en\u00ed na ochranu u\u017eivatel\u016f\">2. Opat\u0159en\u00ed na ochranu u\u017eivatel\u016f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/monolith.law\/cs\/general-corporate\/live-streaming-throw-money\/#3_Reakce_na_financni_ADR_system\" title=\"3. Reakce na finan\u010dn\u00ed ADR syst\u00e9m\">3. Reakce na finan\u010dn\u00ed ADR syst\u00e9m<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/monolith.law\/cs\/general-corporate\/live-streaming-throw-money\/#4_Vytvareni_a_podavani_zprav\" title=\"4. Vytv\u00e1\u0159en\u00ed a pod\u00e1v\u00e1n\u00ed zpr\u00e1v\">4. Vytv\u00e1\u0159en\u00ed a pod\u00e1v\u00e1n\u00ed zpr\u00e1v<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/monolith.law\/cs\/general-corporate\/live-streaming-throw-money\/#Shrnuti_Pokud_budujete_system_pro_prijmy_z_daru_poradte_se_s_pravnikem\" title=\"Shrnut\u00ed: Pokud budujete syst\u00e9m pro p\u0159\u00edjmy z dar\u016f, pora\u010fte se s pr\u00e1vn\u00edkem\">Shrnut\u00ed: Pokud budujete syst\u00e9m pro p\u0159\u00edjmy z dar\u016f, pora\u010fte se s pr\u00e1vn\u00edkem<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/monolith.law\/cs\/general-corporate\/live-streaming-throw-money\/#Predstaveni_opatreni_nasi_kancelare\" title=\"P\u0159edstaven\u00ed opat\u0159en\u00ed na\u0161\u00ed kancel\u00e1\u0159e\">P\u0159edstaven\u00ed opat\u0159en\u00ed na\u0161\u00ed kancel\u00e1\u0159e<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Co_je_to_sluzba_%E2%80%9Ctipovani%E2%80%9D\"><\/span>Co je to slu\u017eba &#8220;tipov\u00e1n\u00ed&#8221;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/monolith.law\/wp-content\/uploads\/2021\/02\/Live-streaming-throw-money2.jpg\" alt=\"Co je to slu\u017eba tipov\u00e1n\u00ed\" class=\"wp-image-29567\"\/><\/figure>\n\n\n\n<p>Jedn\u00e1 se o slu\u017ebu, kter\u00e1 umo\u017e\u0148uje div\u00e1k\u016fm pos\u00edlat pen\u00edze nebo jejich ekvivalent vys\u00edlaj\u00edc\u00edm prost\u0159ednictv\u00edm aplikac\u00ed pro \u017eiv\u00e9 vys\u00edl\u00e1n\u00ed.<\/p>\n\n\n\n<p>Typick\u00fdmi p\u0159\u00edklady jsou:<\/p>\n\n\n\n<ul>\n<li>&#8220;Super chat&#8221; na YouTube<\/li>\n\n\n\n<li>&#8220;Show Gold&#8221; na aplikaci pro \u017eiv\u00e9 vys\u00edl\u00e1n\u00ed SHOWROOM<\/li>\n\n\n\n<li>&#8220;TikTok LIVE Gifting&#8221; na TikTok Live<\/li>\n\n\n\n<li>&#8220;Tips&#8221; na Twitteru<\/li>\n<\/ul>\n\n\n\n<p>Mezi dal\u0161\u00ed p\u0159\u00edklady pat\u0159\u00ed. Tipov\u00e1n\u00ed je mo\u017en\u00e9 nejen pro videa, ale tak\u00e9 pro texty, fotografie a ilustrace.<\/p>\n\n\n\n<p>Tipov\u00e1n\u00ed m\u016f\u017ee motivovat vys\u00edlaj\u00edc\u00ed a umo\u017e\u0148uje div\u00e1k\u016fm p\u0159\u00edmo podporovat vys\u00edlaj\u00edc\u00ed, co\u017e jsou jeho hlavn\u00ed v\u00fdhody.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Registrace_je_nutna_pro_sluzby_s_tipy\"><\/span>Registrace je nutn\u00e1 pro slu\u017eby s tipy<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/monolith.law\/wp-content\/uploads\/2022\/07\/shutterstock_1151380622_2.png\" alt=\"\" class=\"wp-image-47662\"\/><\/figure>\n\n\n\n<p>Slu\u017eby s tipy mohou podle obsahu spadat pod &#8220;p\u0159evod pen\u011bz&#8221; podle japonsk\u00e9ho z\u00e1kona o platebn\u00edch slu\u017eb\u00e1ch (d\u00e1le jen &#8220;Z\u00e1kon o platebn\u00edch slu\u017eb\u00e1ch&#8221;) a v takov\u00e9m p\u0159\u00edpad\u011b je nutn\u00e9 se p\u0159edem zaregistrovat jako poskytovatel p\u0159evodu pen\u011bz.<\/p>\n\n\n\n<p>Pro registraci je nutn\u00e9 splnit p\u0159\u00edsn\u00e9 po\u017eadavky, kter\u00e9 budou pops\u00e1ny n\u00ed\u017ee.<\/p>\n\n\n\n<p>Pokud provozujete p\u0159evod pen\u011bz bez registrace, m\u016f\u017eete b\u00fdt potrest\u00e1ni jako neopr\u00e1vn\u011bn\u00fd poskytovatel v rozporu s \u010dl\u00e1nkem 4 odstavec 1 japonsk\u00e9ho bankovn\u00edho z\u00e1kona.<\/p>\n\n\n\n<p>Z\u00e1kon o platebn\u00edch slu\u017eb\u00e1ch definuje &#8220;p\u0159evod pen\u011bz&#8221; n\u00e1sledovn\u011b:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>V tomto z\u00e1kon\u011b se pod &#8220;p\u0159evodem pen\u011bz&#8221; rozum\u00ed provozov\u00e1n\u00ed sm\u011bn\u00e1rensk\u00fdch obchod\u016f k\u00fdmkoli jin\u00fdm ne\u017e bankou.<\/p>\n<cite>Z\u00e1kon o platebn\u00edch slu\u017eb\u00e1ch, \u010dl\u00e1nek 2, odstavec 2<\/cite><\/blockquote>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>V tomto z\u00e1kon\u011b se pod &#8220;poskytovatelem p\u0159evodu pen\u011bz&#8221; rozum\u00ed osoba, kter\u00e1 obdr\u017eela registraci podle \u010dl\u00e1nku 37.<\/p>\n<cite>Z\u00e1kon o platebn\u00edch slu\u017eb\u00e1ch, \u010dl\u00e1nek 2, odstavec 3<\/cite><\/blockquote>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>Osoba, kter\u00e1 obdr\u017eela registraci od p\u0159edsedy vl\u00e1dy, m\u016f\u017ee provozovat p\u0159evod pen\u011bz bez ohledu na ustanoven\u00ed \u010dl\u00e1nku 4 odstavec 1 a \u010dl\u00e1nku 47 odstavec 1 bankovn\u00edho z\u00e1kona.<\/p>\n<cite>Z\u00e1kon o platebn\u00edch slu\u017eb\u00e1ch, \u010dl\u00e1nek 37<\/cite><\/blockquote>\n\n\n\n<p>Jin\u00fdmi slovy, p\u0159evod pen\u011bz je sm\u011bn\u00e1rensk\u00fd obchod provozovan\u00fd registrovan\u00fdmi podniky mimo banky. Slu\u017eby pro p\u0159evod pen\u011bz mezi jednotlivci, jako je &#8220;LINE Pay&#8221; nebo &#8220;PayPay&#8221;, spadaj\u00ed do t\u00e9to kategorie.<\/p>\n\n\n\n<p>Co se t\u00fd\u010de sm\u011bn\u00e1rensk\u00fdch obchod\u016f, soudy je definuj\u00ed jako &#8220;p\u0159evod pen\u011bz bez fyzick\u00e9ho p\u0159epravy hotovosti pomoc\u00ed ur\u010dit\u00e9ho syst\u00e9mu&#8221; (rozhodnut\u00ed Nejvy\u0161\u0161\u00edho soudu ze dne 12. b\u0159ezna 2001).<\/p>\n\n\n\n<p>Stejn\u011b jako banky, i poskytovatel\u00e9 p\u0159evodu pen\u011bz mohou provozovat sm\u011bn\u00e1rensk\u00e9 obchody. Nicm\u00e9n\u011b, na rozd\u00edl od bank, nemohou p\u0159ij\u00edmat vklady, tak\u017ee mohou otev\u00edrat \u00fa\u010dty (\u00fa\u010dty) v nezbytn\u00e9m rozsahu a prov\u00e1d\u011bt p\u0159evody mezi \u00fa\u010dty.<\/p>\n\n\n\n<p>I kdy\u017e se na prvn\u00ed pohled m\u016f\u017ee zd\u00e1t, \u017ee slu\u017eby, kter\u00e9 umo\u017e\u0148uj\u00ed &#8220;p\u0159evod pen\u011bz z jednotlivce na jednotlivce&#8221;, jsou stejn\u00e9, LINE Pay je &#8220;p\u0159evod pen\u011bz&#8221;, PayPay je &#8220;v\u00fddaj p\u0159edplacen\u00fdch platebn\u00edch prost\u0159edk\u016f&#8221; a paymo je &#8220;inkaso&#8221;&#8230; aplikovan\u00e9 mechanismy se li\u0161\u00ed.<\/p>\n\n\n\n<p>Podrobn\u011bj\u0161\u00ed vysv\u011btlen\u00ed o p\u0159evodu a v\u00fdm\u011bn\u011b vlastn\u00edch bod\u016f a p\u0159evodu pen\u011bz podle Z\u00e1kona o platebn\u00edch slu\u017eb\u00e1ch naleznete v n\u00e1sleduj\u00edc\u00edm \u010dl\u00e1nku.<\/p>\n\n\n\n<p>Souvisej\u00edc\u00ed \u010dl\u00e1nek: <a href=\"https:\/\/monolith.law\/corporate\/exchanging-self-issued-points-and-money-transfer\" target=\"_blank\" rel=\"noreferrer noopener\">P\u0159evod a v\u00fdm\u011bna vlastn\u00edch bod\u016f a p\u0159evod pen\u011bz podle Z\u00e1kona o platebn\u00edch slu\u017eb\u00e1ch[ja]<\/a><\/p>\n\n\n\n<p>Podrobn\u011bj\u0161\u00ed vysv\u011btlen\u00ed po\u017eadavk\u016f na registraci p\u0159evodu pen\u011bz n\u00e1sleduje n\u00ed\u017ee, ale pokud nem\u016f\u017eete splnit po\u017eadavky, mus\u00edte se sna\u017eit, aby va\u0161e slu\u017eby nespadaly pod p\u0159evod pen\u011bz.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Jak_provozovat_sluzbu_tipovani_bez_registrace_v_oboru_prevodu_penez\"><\/span>Jak provozovat slu\u017ebu tipov\u00e1n\u00ed bez registrace v oboru p\u0159evodu pen\u011bz<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/monolith.law\/wp-content\/uploads\/2021\/02\/00f5664cb3b13a7d4ef18c93739e89ac.jpg\" alt=\"Jak provozovat slu\u017ebu tipov\u00e1n\u00ed bez registrace v oboru p\u0159evodu pen\u011bz\" class=\"wp-image-29586\"\/><\/figure>\n\n\n\n<p>Pro provozov\u00e1n\u00ed slu\u017eby tipov\u00e1n\u00ed bez registrace v oboru p\u0159evodu pen\u011bz je mo\u017en\u00e9 zv\u00e1\u017eit pod\u00e1n\u00ed ozn\u00e1men\u00ed o vyd\u00e1v\u00e1n\u00ed p\u0159edplacen\u00fdch platebn\u00edch prost\u0159edk\u016f.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Vydavani_predplacenych_platebnich_prostredku\"><\/span>Vyd\u00e1v\u00e1n\u00ed p\u0159edplacen\u00fdch platebn\u00edch prost\u0159edk\u016f<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>P\u0159edplacen\u00fd platebn\u00ed prost\u0159edek je n\u011bco, co lze pou\u017e\u00edt jako zp\u016fsob platby pro n\u00e1kupy atd. po p\u0159edchoz\u00ed platb\u011b pen\u011bz. Sem pat\u0159\u00ed d\u00e1rkov\u00e9 pouk\u00e1zky, pouk\u00e1zky na d\u00e1rky, p\u0159edplacen\u00e9 karty jako Suica atd.<\/p>\n\n\n\n<p>P\u0159edplacen\u00e9 platebn\u00ed prost\u0159edky zahrnuj\u00ed:<\/p>\n\n\n\n<ul>\n<li>&#8220;Vlastn\u00ed typ&#8221; (pouk\u00e1zky na d\u00e1rky atd., kter\u00e9 lze pou\u017e\u00edt pouze v obchodech vydavatele), kter\u00e9 lze pou\u017e\u00edt pouze pro n\u00e1kup zbo\u017e\u00ed atd. od vydavatele p\u0159edplacen\u00fdch platebn\u00edch prost\u0159edk\u016f<\/li>\n\n\n\n<li>&#8220;T\u0159et\u00ed typ&#8221;, kter\u00fd lze pou\u017e\u00edt tak\u00e9 pro platby v obchodech nebo poskytovatel\u00edch slu\u017eeb, kte\u0159\u00ed nejsou vydavateli<\/li>\n<\/ul>\n\n\n\n<p>Existuj\u00ed.<\/p>\n\n\n\n<p>Nap\u0159\u00edklad, aplikace pro \u017eiv\u00e9 vys\u00edl\u00e1n\u00ed &#8220;SHOWROOM&#8221; provozuje slu\u017ebu tipov\u00e1n\u00ed po pod\u00e1n\u00ed ozn\u00e1men\u00ed jako vydavatel p\u0159edplacen\u00fdch platebn\u00edch prost\u0159edk\u016f (vlastn\u00ed typ).<\/p>\n\n\n\n<p>V SHOWROOMu mohou div\u00e1ci p\u0159edem zakoupit ShowGold a poskytnout tipy vys\u00edla\u010d\u016fm pomoc\u00ed ShowGold.<\/p>\n\n\n\n<p>Av\u0161ak, tento ShowGold nen\u00ed p\u0159\u00edmo vyplacen vys\u00edla\u010d\u016fm, ale je vyplacen distribu\u010dn\u00ed fond, kter\u00fd SHOWROOM vypo\u010d\u00edt\u00e1 na z\u00e1klad\u011b po\u010dtu div\u00e1k\u016f atd.<\/p>\n\n\n\n<p>Na prvn\u00ed pohled to vypad\u00e1 jako b\u011b\u017en\u00e1 slu\u017eba tipov\u00e1n\u00ed, ale li\u0161\u00ed se od tradi\u010dn\u00edho zp\u016fsobu, kdy ShowGold poslan\u00fd div\u00e1kem nep\u0159ijde p\u0159\u00edmo k vys\u00edla\u010di.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Povinnosti_vydavatelu_predplacenych_platebnich_prostredku\"><\/span>Povinnosti vydavatel\u016f p\u0159edplacen\u00fdch platebn\u00edch prost\u0159edk\u016f<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Z\u00e1kon o platebn\u00edch slu\u017eb\u00e1ch ukl\u00e1d\u00e1 vydavatel\u016fm p\u0159edplacen\u00fdch platebn\u00edch prost\u0159edk\u016f povinnosti, jako jsou nap\u0159\u00edklad n\u00e1sleduj\u00edc\u00ed, s ohledem na ochranu u\u017eivatel\u016f a bezpe\u010dnost transakc\u00ed.<\/p>\n\n\n\n<ul>\n<li>Povinnost ozn\u00e1men\u00ed pro vydavatele p\u0159edplacen\u00fdch platebn\u00edch prost\u0159edk\u016f vlastn\u00edho typu (pokud nevyu\u017eit\u00fd z\u016fstatek p\u0159ekro\u010d\u00ed standardn\u00ed \u010d\u00e1stku k datu stanoven\u00ed)<\/li>\n\n\n\n<li>Povinnost registrace p\u0159ed vyd\u00e1n\u00edm pro vydavatele p\u0159edplacen\u00fdch platebn\u00edch prost\u0159edk\u016f t\u0159et\u00edho typu (registrace je omezena na pr\u00e1vnick\u00e9 osoby)<\/li>\n\n\n\n<li>Povinnost poskytov\u00e1n\u00ed informac\u00ed (povinnost zobrazov\u00e1n\u00ed informac\u00ed, jako je jm\u00e9no vydavatele, dostupn\u00e1 \u010d\u00e1stka, doba pou\u017eit\u00ed atd.)<\/li>\n\n\n\n<li>P\u0159edlo\u017een\u00ed zpr\u00e1vy do dvou m\u011bs\u00edc\u016f od n\u00e1sleduj\u00edc\u00edho dne po datu stanoven\u00ed (p\u0159ilo\u017een\u00ed finan\u010dn\u00edch dokument\u016f, jako je bilance atd.)<\/li>\n\n\n\n<li>Povinnost zachov\u00e1n\u00ed majetku (vklad z\u00e1ruky za vyd\u00e1n\u00ed atd.)<\/li>\n\n\n\n<li>Povinnost vr\u00e1cen\u00ed nevyu\u017eit\u00e9ho z\u016fstatku p\u0159i ukon\u010den\u00ed slu\u017eby<\/li>\n<\/ul>\n\n\n\n<p>Co se t\u00fd\u010de v\u00fd\u0161e uveden\u00e9 povinnosti ozn\u00e1men\u00ed pro vydavatele p\u0159edplacen\u00fdch platebn\u00edch prost\u0159edk\u016f vlastn\u00edho typu, pokud nevyu\u017eit\u00fd z\u016fstatek p\u0159ekro\u010d\u00ed standardn\u00ed \u010d\u00e1stku (10 milion\u016f jen\u016f) k datu stanoven\u00ed (31. b\u0159ezna a 30. z\u00e1\u0159\u00ed ka\u017ed\u00e9ho roku), je t\u0159eba podat ozn\u00e1men\u00ed do dvou m\u011bs\u00edc\u016f od tohoto data stanoven\u00ed.<\/p>\n\n\n\n<p>Co se t\u00fd\u010de povinnosti zachov\u00e1n\u00ed majetku, je t\u0159eba prov\u00e9st zachov\u00e1n\u00ed majetku, jako je vklad z\u00e1ruky za vyd\u00e1n\u00ed (nejm\u00e9n\u011b polovina nevyu\u017eit\u00e9ho z\u016fstatku k dan\u00e9mu datu stanoven\u00ed).<\/p>\n\n\n\n<p>Mimochodem, body p\u0159id\u011blen\u00e9 kart\u011b atd. mohou tak\u00e9 b\u00fdt pova\u017eov\u00e1ny za p\u0159edplacen\u00e9 platebn\u00ed prost\u0159edky v z\u00e1vislosti na form\u011b vyd\u00e1n\u00ed.<\/p>\n\n\n\n<p>Pro p\u0159\u00edpady, kdy &#8220;body vyd\u00e1van\u00e9 samostatn\u011b spadaj\u00ed pod p\u0159edplacen\u00e9 platebn\u00ed prost\u0159edky podle z\u00e1kona o platebn\u00edch slu\u017eb\u00e1ch&#8221;, se pros\u00edm pod\u00edvejte na n\u00e1sleduj\u00edc\u00ed \u010dl\u00e1nek.<\/p>\n\n\n\n<p>Souvisej\u00edc\u00ed \u010dl\u00e1nek: <a href=\"https:\/\/monolith.law\/corporate\/prepaid-payment-method\" target=\"_blank\" rel=\"noreferrer noopener\">Kdy se body vyd\u00e1van\u00e9 samostatn\u011b pova\u017euj\u00ed za p\u0159edplacen\u00e9 platebn\u00ed prost\u0159edky podle z\u00e1kona o platebn\u00edch slu\u017eb\u00e1ch[ja]<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Sluzby_zastupovani_v_inkasu_ktere_v_podstate_provadeji_prevody_mezi_jednotlivci_se_stavaji_cilem_pro_prevod_penez_diky_zmene_zakona\"><\/span>Slu\u017eby zastupov\u00e1n\u00ed v inkasu, kter\u00e9 v podstat\u011b prov\u00e1d\u011bj\u00ed p\u0159evody mezi jednotlivci, se st\u00e1vaj\u00ed c\u00edlem pro p\u0159evod pen\u011bz d\u00edky zm\u011bn\u011b z\u00e1kona<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/monolith.law\/wp-content\/uploads\/2022\/08\/shutterstock_1789666325.png\" alt=\"Slu\u017eby zastupov\u00e1n\u00ed v inkasu, kter\u00e9 v podstat\u011b prov\u00e1d\u011bj\u00ed p\u0159evody mezi jednotlivci, se st\u00e1vaj\u00ed c\u00edlem pro p\u0159evod pen\u011bz d\u00edky zm\u011bn\u011b z\u00e1kona\" class=\"wp-image-49755\"\/><\/figure>\n\n\n\n<p>Slu\u017eby zastupov\u00e1n\u00ed v inkasu jsou takov\u00e9, \u017ee kdy\u017e plat\u00edte za zbo\u017e\u00ed atd., poskytovatel slu\u017eby p\u0159ij\u00edm\u00e1 pen\u00edze od kupuj\u00edc\u00edho nam\u00edsto prod\u00e1vaj\u00edc\u00edho a p\u0159ed\u00e1v\u00e1 je prod\u00e1vaj\u00edc\u00edmu zbo\u017e\u00ed atd.<\/p>\n\n\n\n<p>Jako p\u0159\u00edklad m\u016f\u017eeme uv\u00e9st aplikaci pro d\u011blen\u00ed \u00fa\u010dtu &#8220;paymo&#8221; (slu\u017eba ukon\u010dena v roce 2019). Tato aplikace se sna\u017eila vyhnout regulaci p\u0159evodu pen\u011bz t\u00edm, \u017ee ve sv\u00fdch smluvn\u00edch podm\u00ednk\u00e1ch uvedla, \u017ee slu\u017eba paymo je &#8220;slu\u017eba zastupov\u00e1n\u00ed v inkasu&#8221;.<\/p>\n\n\n\n<p>Av\u0161ak i kdy\u017e se naz\u00fdvaj\u00ed &#8220;slu\u017eby zastupov\u00e1n\u00ed v inkasu&#8221;, ve skute\u010dnosti jsou to slu\u017eby pro p\u0159evod pen\u011bz mezi jednotlivci a z hlediska ochrany u\u017eivatel\u016f bylo nutn\u00e9 po\u017eadovat registraci pro p\u0159evod pen\u011bz, co\u017e bylo dlouhodob\u011b probl\u00e9mem.<\/p>\n\n\n\n<p>V reakci na to bylo v kv\u011btnu roku Reiwa 3 (2021) provedeno zm\u011bna z\u00e1kona, podle kter\u00e9 transakce, kter\u00e9 spl\u0148uj\u00ed ur\u010dit\u00e9 po\u017eadavky mezi slu\u017ebami, kter\u00e9 byly d\u0159\u00edve ozna\u010dov\u00e1ny jako &#8220;slu\u017eby zastupov\u00e1n\u00ed v inkasu&#8221;, spadaj\u00ed do kategorie &#8220;sm\u011bnn\u00fdch obchod\u016f&#8221; a jsou regulov\u00e1ny (japonsk\u00fd z\u00e1kon o platebn\u00edch slu\u017eb\u00e1ch, \u010dl\u00e1nek 2, odstavec 2), a tyto po\u017eadavky byly up\u0159esn\u011bny v na\u0159\u00edzen\u00ed o p\u0159evodu pen\u011bz (\u010dl\u00e1nek 1, odstavec 2).<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>Osoba, kter\u00e1 m\u00e1 pen\u011b\u017en\u00ed pohled\u00e1vku (d\u00e1le jen &#8220;v\u011b\u0159itel&#8221;), p\u0159ij\u00edm\u00e1 pen\u00edze jako splacen\u00ed od osoby, kter\u00e1 prov\u00e1d\u00ed platbu prost\u0159ednictv\u00edm p\u0159evzet\u00ed pen\u011b\u017en\u00ed pohled\u00e1vky od v\u011b\u0159itele, pov\u011b\u0159en\u00ed od v\u011b\u0159itele nebo jin\u00fdm podobn\u00fdm zp\u016fsobem, nebo pov\u011b\u0159en\u00ed od dlu\u017en\u00edka nebo jin\u00fdm podobn\u00fdm zp\u016fsobem (v\u010detn\u011b pov\u011b\u0159en\u00ed na v\u00edce \u00farovn\u00edch), a p\u0159ev\u00e1d\u00ed tyto pen\u00edze na v\u011b\u0159itele (s v\u00fdjimkou p\u0159\u00edpad\u016f, kdy jsou pen\u00edze p\u0159evedeny na v\u011b\u0159itele prost\u0159ednictv\u00edm doru\u010den\u00ed), za p\u0159edpokladu, \u017ee v\u011b\u0159itel je jednotlivec (s v\u00fdjimkou p\u0159\u00edpad\u016f, kdy se st\u00e1v\u00e1 v\u011b\u0159itelem jako podnik\u00e1n\u00ed nebo pro podnik\u00e1n\u00ed) a spl\u0148uje jin\u00e9 po\u017eadavky stanoven\u00e9 v na\u0159\u00edzen\u00ed kabinetu, se pova\u017euje za sm\u011bnn\u00fd obchod.<\/p>\n<cite>Japonsk\u00fd z\u00e1kon o platebn\u00edch slu\u017eb\u00e1ch, \u010dl\u00e1nek 2, odstavec 2<\/cite><\/blockquote>\n\n\n\n<p>Tak\u017ee podle t\u00e9to zm\u011bny,<\/p>\n\n\n\n<ol>\n<li>osoba, kter\u00e1 m\u00e1 pr\u00e1vo po\u017eadovat platbu (v\u011b\u0159itel), nebo osoba, kter\u00e1 m\u00e1 povinnost platit (dlu\u017en\u00edk), po\u017e\u00e1d\u00e1 o p\u0159evod pen\u011bz<\/li>\n\n\n\n<li>v\u011b\u0159itel je jednotlivec, nikoli podnikatel<\/li>\n\n\n\n<li>spl\u0148uje jin\u00e9 po\u017eadavky stanoven\u00e9 v na\u0159\u00edzen\u00ed kabinetu<\/li>\n<\/ol>\n\n\n\n<p>jsou pova\u017eov\u00e1ny za &#8220;sm\u011bnn\u00e9 obchody&#8221;. Aplikace pro d\u011blen\u00ed \u00fa\u010dtu spl\u0148uje v\u00fd\u0161e uveden\u00e9 po\u017eadavky, tak\u017ee v d\u016fsledku zm\u011bny je nutn\u00e1 registrace pro p\u0159evod pen\u011bz.<\/p>\n\n\n\n<p>Aplikace pro d\u011blen\u00ed \u00fa\u010dtu je slu\u017eba zam\u011b\u0159en\u00e1 na p\u0159evod pen\u011bz a m\u016f\u017ee b\u00fdt pova\u017eov\u00e1na za stejnou jako p\u0159evod pen\u011bz. Pokud poskytovatel slu\u017eby zkrachuje, nen\u00ed t\u0159eba, aby mana\u017eer zachoval ur\u010ditou \u010d\u00e1stku, a ob\u011b strany, v\u011b\u0159itel i dlu\u017en\u00edk, mohou utrp\u011bt ztr\u00e1ty. Proto je nutn\u00e9 zajistit ochranu u\u017eivatel\u016f, co\u017e je d\u016fvod pro tuto zm\u011bnu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Registrace_a_povinnosti_po_registraci_v_oblasti_prevodu_penez\"><\/span>Registrace a povinnosti po registraci v oblasti p\u0159evodu pen\u011bz<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/monolith.law\/wp-content\/uploads\/2022\/07\/27095a14b4bf98ea950d0f283fee1131.png\" alt=\"Registrace a povinnosti po registraci v oblasti p\u0159evodu pen\u011bz\" class=\"wp-image-47729\"\/><\/figure>\n\n\n\n<p>Pro registraci jako poskytovatel slu\u017eeb p\u0159evodu pen\u011bz jsou hlavn\u011b n\u00e1sleduj\u00edc\u00ed po\u017eadavky:<\/p>\n\n\n\n<ol>\n<li>B\u00fdt akciovou spole\u010dnost\u00ed nebo zahrani\u010dn\u00edm poskytovatelem slu\u017eeb p\u0159evodu pen\u011bz s pobo\u010dkou v Japonsku<\/li>\n\n\n\n<li>M\u00edt finan\u010dn\u00ed z\u00e1kladnu pot\u0159ebnou pro \u0159\u00e1dn\u00e9 a spolehliv\u00e9 prov\u00e1d\u011bn\u00ed slu\u017eeb p\u0159evodu pen\u011bz<\/li>\n\n\n\n<li>M\u00edt syst\u00e9m pro \u0159\u00e1dn\u00e9 a spolehliv\u00e9 prov\u00e1d\u011bn\u00ed slu\u017eeb p\u0159evodu pen\u011bz<\/li>\n\n\n\n<li>Nepou\u017e\u00edvat obchodn\u00ed n\u00e1zev nebo n\u00e1zev, kter\u00fd je stejn\u00fd nebo podobn\u00fd jako u jin\u00fdch poskytovatel\u016f slu\u017eeb p\u0159evodu pen\u011bz<\/li>\n<\/ol>\n\n\n\n<p>Po registraci jsou tak\u00e9 mnoh\u00e9 povinnosti, nap\u0159\u00edklad:<\/p>\n\n\n\n<ol>\n<li>Zaji\u0161t\u011bn\u00ed v\u00fdkonnostn\u00ed z\u00e1ruky<\/li>\n\n\n\n<li>P\u0159ijet\u00ed opat\u0159en\u00ed na ochranu u\u017eivatel\u016f<\/li>\n\n\n\n<li>Reakce na mimosoudn\u00ed \u0159e\u0161en\u00ed spor\u016f (finan\u010dn\u00ed ADR syst\u00e9m)<\/li>\n\n\n\n<li>Vytv\u00e1\u0159en\u00ed a pod\u00e1v\u00e1n\u00ed zpr\u00e1v<\/li>\n<\/ol>\n\n\n\n<p>Podrobn\u011bji vysv\u011btl\u00edme ka\u017ed\u00fd z t\u011bchto bod\u016f n\u00ed\u017ee.<\/p>\n\n\n\n<p>V kv\u011btnu roku 2021 (Roku 3 \u00e9ry Reiwa) byla z\u00e1konem zm\u011bn\u011bna regulace p\u0159evodu pen\u011bz podle velikosti \u010d\u00e1stky. Byly vytvo\u0159eny nov\u00e9 kategorie &#8220;Typ 1 (bez omezen\u00ed \u010d\u00e1stky)&#8221;, &#8220;Typ 2 (\u010d\u00e1stka odpov\u00eddaj\u00edc\u00ed 1 milionu jen\u016f)&#8221; a &#8220;Typ 3 (\u010d\u00e1stka odpov\u00eddaj\u00edc\u00ed 50 000 jen\u016f)&#8221;, a regulace se li\u0161\u00ed podle t\u011bchto kategori\u00ed.<\/p>\n\n\n\n<p>P\u0159i registraci je t\u0159eba rozhodnout, kterou z t\u011bchto t\u0159\u00ed kategori\u00ed slu\u017eeb p\u0159evodu pen\u011bz budete poskytovat, na z\u00e1klad\u011b o\u010dek\u00e1van\u00e9 \u010d\u00e1stky transakc\u00ed slu\u017eeb, kter\u00e9 pl\u00e1nujete poskytovat.<\/p>\n\n\n\n<p>Reference: <a href=\"https:\/\/www.s-kessai.jp\/businesses\/law_b.html\" target=\"_blank\" rel=\"noreferrer noopener\">Co je to z\u00e1kon o platebn\u00edch slu\u017eb\u00e1ch (Japonsk\u00e1 asociace pro platebn\u00ed slu\u017eby)[ja]<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Hlavni_pozadavky_na_registraci_poskytovatelu_sluzeb_prevodu_penez\"><\/span>Hlavn\u00ed po\u017eadavky na registraci poskytovatel\u016f slu\u017eeb p\u0159evodu pen\u011bz<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Hlavn\u00ed po\u017eadavky na registraci poskytovatel\u016f slu\u017eeb p\u0159evodu pen\u011bz podle \u010dl\u00e1nku 40 odst. 1 z\u00e1kona o platebn\u00edch slu\u017eb\u00e1ch jsou n\u00e1sleduj\u00edc\u00ed:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Byt_%E2%80%9Cakciovou_spolecnosti%E2%80%9D_nebo_%E2%80%9Czahranicnim_poskytovatelem_sluzeb_prevodu_penez_s_pobockou_v_Japonsku%E2%80%9D\"><\/span>1. B\u00fdt &#8220;akciovou spole\u010dnost\u00ed&#8221; nebo &#8220;zahrani\u010dn\u00edm poskytovatelem slu\u017eeb p\u0159evodu pen\u011bz s pobo\u010dkou v Japonsku&#8221;<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Je nutn\u00e9 b\u00fdt akciovou spole\u010dnost\u00ed nebo podnikem, kter\u00fd m\u00e1 pobo\u010dku v Japonsku a prov\u00e1d\u00ed sm\u011bnn\u00e9 obchody na z\u00e1klad\u011b registrace jako poskytovatel slu\u017eeb p\u0159evodu pen\u011bz podle zahrani\u010dn\u00edch pr\u00e1vn\u00edch p\u0159edpis\u016f.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Mit_%E2%80%9Cfinancni_zakladnu_ktera_je_povazovana_za_nezbytnou_pro_radne_a_spolehlive_provadeni_sluzeb_prevodu_penez%E2%80%9D\"><\/span>2. M\u00edt &#8220;finan\u010dn\u00ed z\u00e1kladnu, kter\u00e1 je pova\u017eov\u00e1na za nezbytnou pro \u0159\u00e1dn\u00e9 a spolehliv\u00e9 prov\u00e1d\u011bn\u00ed slu\u017eeb p\u0159evodu pen\u011bz&#8221;<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul>\n<li>Je mo\u017en\u00e9 splnit povinnost vkladu v\u00fdkonnostn\u00ed z\u00e1ruky atd.?<\/li>\n\n\n\n<li>Je p\u0159ipraven syst\u00e9m, kter\u00fd umo\u017e\u0148uje hladk\u00e9 p\u0159ij\u00edm\u00e1n\u00ed a p\u0159ed\u00e1v\u00e1n\u00ed pen\u011bz u\u017eivatel\u016fm?<\/li>\n\n\n\n<li>Je zaveden pl\u00e1n, kter\u00fd o\u010dek\u00e1v\u00e1 ur\u010dit\u00fd zisk i v p\u0159\u00edpad\u011b, \u017ee jsou p\u0159edpokl\u00e1d\u00e1ny v\u0161echny situace t\u00fdkaj\u00edc\u00ed se v\u00fdhledu na p\u0159\u00edjmy a v\u00fddaje?<\/li>\n<\/ul>\n\n\n\n<p>Podniky jsou hodnoceny z t\u011bchto hledisek ohledn\u011b finan\u010dn\u00ed z\u00e1kladny.<\/p>\n\n\n\n<p>&#8220;V\u00fdkonnostn\u00ed z\u00e1ruka&#8221; je pen\u011b\u017en\u00ed \u010d\u00e1stka, kterou je podnik povinen zaji\u0161\u0165ovat na 100% nebo v\u00edce, a to je pen\u011b\u017en\u00ed \u010d\u00e1stka, kter\u00e1 je v procesu p\u0159evodu. Pro finan\u010dn\u00ed z\u00e1kladnu, kter\u00e1 je po\u017eadov\u00e1na od poskytovatel\u016f slu\u017eeb p\u0159evodu pen\u011bz, nejsou stanoveny kvantitativn\u00ed normy.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_%E2%80%9CZavedeni_systemu_pro_radne_a_spolehlive_provadeni_sluzeb_prevodu_penez%E2%80%9D_a_%E2%80%9CZavedeni_systemu_nezbytneho_pro_dodrzovani_ustanoveni_kapitoly_3_Prevod_penez%E2%80%9D\"><\/span>3. &#8220;Zaveden\u00ed syst\u00e9mu pro \u0159\u00e1dn\u00e9 a spolehliv\u00e9 prov\u00e1d\u011bn\u00ed slu\u017eeb p\u0159evodu pen\u011bz&#8221; a &#8220;Zaveden\u00ed syst\u00e9mu nezbytn\u00e9ho pro dodr\u017eov\u00e1n\u00ed ustanoven\u00ed kapitoly 3 P\u0159evod pen\u011bz&#8221;<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Je nutn\u00e9 zajistit, aby byly \u0159\u00e1dn\u011b pln\u011bny povinnosti udr\u017eov\u00e1n\u00ed majetku atd. stanoven\u00e9 z\u00e1konem o platebn\u00edch slu\u017eb\u00e1ch a aby bylo zaji\u0161t\u011bno dostate\u010dn\u00e9 provozov\u00e1n\u00ed a \u0159\u00edzen\u00ed operac\u00ed pro prov\u00e1d\u011bn\u00ed slu\u017eeb p\u0159evodu pen\u011bz.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Nepouzivat_obchodni_nazev_nebo_nazev_ktery_je_stejny_nebo_podobny_jako_u_jinych_poskytovatelu_sluzeb_prevodu_penez\"><\/span>4. Nepou\u017e\u00edvat obchodn\u00ed n\u00e1zev nebo n\u00e1zev, kter\u00fd je stejn\u00fd nebo podobn\u00fd jako u jin\u00fdch poskytovatel\u016f slu\u017eeb p\u0159evodu pen\u011bz<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Pokud je obchodn\u00ed n\u00e1zev nebo n\u00e1zev stejn\u00fd nebo podobn\u00fd jako u jin\u00fdch poskytovatel\u016f slu\u017eeb p\u0159evodu pen\u011bz, m\u016f\u017ee to v\u00e9st k nedostate\u010dn\u00e9 ochran\u011b u\u017eivatel\u016f.<\/p>\n\n\n\n<p>Krom\u011b toho, <\/p>\n\n\n\n<ul>\n<li>V posledn\u00edch 5 letech nebyla zru\u0161ena registrace jako poskytovatel slu\u017eeb p\u0159evodu pen\u011bz, licence pro platebn\u00ed slu\u017eby, nebo podobn\u00e1 registrace nebo licence podle zahrani\u010dn\u00edch pr\u00e1vn\u00edch p\u0159edpis\u016f odpov\u00eddaj\u00edc\u00edch z\u00e1konu o platebn\u00edch slu\u017eb\u00e1ch, z\u00e1konu o bank\u00e1ch atd.<\/li>\n\n\n\n<li>V posledn\u00edch 5 letech nebyl odsouzen k pokut\u011b nebo podobn\u00e9mu trestu podle zahrani\u010dn\u00edch pr\u00e1vn\u00edch p\u0159edpis\u016f za poru\u0161en\u00ed z\u00e1kona o platebn\u00edch slu\u017eb\u00e1ch, z\u00e1kona o bank\u00e1ch atd., z\u00e1kona o investic\u00edch nebo podobn\u00fdch zahrani\u010dn\u00edch pr\u00e1vn\u00edch p\u0159edpis\u016f.<\/li>\n\n\n\n<li>Jin\u00e9 podnik\u00e1n\u00ed, kter\u00e9 prov\u00e1d\u00ed, nen\u00ed v rozporu s ve\u0159ejn\u00fdm z\u00e1jmem<\/li>\n\n\n\n<li>Mezi \u0159editeli atd. nejsou nevhodn\u00e9 osoby<\/li>\n<\/ul>\n\n\n\n<p>atd. jsou tak\u00e9 po\u017eadov\u00e1ny.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Povinnosti_po_registraci_poskytovatelu_sluzeb_prevodu_penez\"><\/span>Povinnosti po registraci poskytovatel\u016f slu\u017eeb p\u0159evodu pen\u011bz<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Po registraci jsou hlavn\u011b uvaleny n\u00e1sleduj\u00edc\u00ed 4 regulace:<\/p>\n\n\n\n<ol>\n<li>Zaji\u0161t\u011bn\u00ed v\u00fdkonnostn\u00ed z\u00e1ruky<\/li>\n\n\n\n<li>Opat\u0159en\u00ed na ochranu u\u017eivatel\u016f<\/li>\n\n\n\n<li>Reakce na finan\u010dn\u00ed ADR syst\u00e9m<\/li>\n\n\n\n<li>Vytv\u00e1\u0159en\u00ed a pod\u00e1v\u00e1n\u00ed zpr\u00e1v<\/li>\n<\/ol>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Zajisteni_vykonnostni_zaruky\"><\/span>1. Zaji\u0161t\u011bn\u00ed v\u00fdkonnostn\u00ed z\u00e1ruky<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Poskytovatel\u00e9 slu\u017eeb p\u0159evodu pen\u011bz mus\u00ed zaji\u0161\u0165ovat v\u00fdkonnostn\u00ed z\u00e1ruku ve v\u00fd\u0161i 100% nebo v\u00edce \u010d\u00e1stky pen\u011bz, kter\u00e9 jsou v procesu p\u0159evodu.<\/p>\n\n\n\n<p>&#8220;Po\u017eadovan\u00e1 \u010d\u00e1stka v\u00fdkonnostn\u00ed z\u00e1ruky&#8221; se vypo\u010d\u00edt\u00e1 jako &#8220;\u010d\u00e1stka nevy\u0159\u00edzen\u00fdch z\u00e1vazk\u016f pro ka\u017ed\u00fd pracovn\u00ed den podle typu slu\u017eby p\u0159evodu pen\u011bz + \u010d\u00e1stka n\u00e1klad\u016f na postup vr\u00e1cen\u00ed pen\u011bz&#8221;.<\/p>\n\n\n\n<p>Je nutn\u00e9 sledovat po\u017eadovanou \u010d\u00e1stku v\u00fdkonnostn\u00ed z\u00e1ruky pro ka\u017ed\u00fd pracovn\u00ed den podle typu slu\u017eby p\u0159evodu pen\u011bz.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Opatreni_na_ochranu_uzivatelu\"><\/span>2. Opat\u0159en\u00ed na ochranu u\u017eivatel\u016f<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Poskytovatel\u00e9 slu\u017eeb p\u0159evodu pen\u011bz mus\u00ed p\u0159ijmout opat\u0159en\u00ed na ochranu u\u017eivatel\u016f. Konkr\u00e9tn\u011b se jedn\u00e1 o n\u00e1sleduj\u00edc\u00ed:<\/p>\n\n\n\n<p>(1) Opat\u0159en\u00ed na zabr\u00e1n\u011bn\u00ed tomu, aby u\u017eivatel\u00e9 zam\u011bnili sm\u011bnn\u00e9 obchody prov\u00e1d\u011bn\u00e9 bankami atd.<\/p>\n\n\n\n<p>(2) Poskytov\u00e1n\u00ed informac\u00ed o poplatc\u00edch za sm\u011bnn\u00e9 obchody a dal\u0161\u00edch smluvn\u00edch podm\u00ednk\u00e1ch<\/p>\n\n\n\n<p>(3) Poskytov\u00e1n\u00ed informac\u00ed o obsahu ochrany u\u017eivatelsk\u00fdch pen\u011bz a o zach\u00e1zen\u00ed v p\u0159\u00edpad\u011b neopr\u00e1vn\u011bn\u00fdch transakc\u00ed<\/p>\n\n\n\n<p>(4) Stanoven\u00ed intern\u00edch pravidel atd. a prov\u00e1d\u011bn\u00ed \u0161kolen\u00ed pro zam\u011bstnance<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Reakce_na_financni_ADR_system\"><\/span>3. Reakce na finan\u010dn\u00ed ADR syst\u00e9m<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Poskytovatel\u00e9 slu\u017eeb p\u0159evodu pen\u011bz mus\u00ed reagovat na mimosoudn\u00ed \u0159e\u0161en\u00ed spor\u016f (finan\u010dn\u00ed ADR syst\u00e9m).<\/p>\n\n\n\n<p>Finan\u010dn\u00ed ADR syst\u00e9m, tak\u00e9 zn\u00e1m\u00fd jako mimosoudn\u00ed \u0159e\u0161en\u00ed spor\u016f, je syst\u00e9m, kter\u00fd se sna\u017e\u00ed vy\u0159e\u0161it spory prost\u0159ednictv\u00edm rozhovor\u016f bez soudn\u00edho \u0159\u00edzen\u00ed za p\u0159\u00edtomnosti spravedliv\u00e9 t\u0159et\u00ed strany. Slu\u017eby p\u0159evodu pen\u011bz jsou p\u0159edm\u011btem tohoto syst\u00e9mu a je t\u0159eba p\u0159ijmout opat\u0159en\u00ed pro \u0159e\u0161en\u00ed st\u00ed\u017enost\u00ed a \u0159e\u0161en\u00ed spor\u016f souvisej\u00edc\u00edch s t\u00edmto syst\u00e9mem.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Vytvareni_a_podavani_zprav\"><\/span>4. Vytv\u00e1\u0159en\u00ed a pod\u00e1v\u00e1n\u00ed zpr\u00e1v<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Poskytovatel\u00e9 slu\u017eeb p\u0159evodu pen\u011bz mus\u00ed vytvo\u0159it dokumenty t\u00fdkaj\u00edc\u00ed se sv\u00e9ho podnik\u00e1n\u00ed a uchov\u00e1vat je.<\/p>\n\n\n\n<p>Krom\u011b toho je stanoveno, \u017ee je t\u0159eba podat zpr\u00e1vu o obchodn\u00ed situaci, dokument popisuj\u00edc\u00ed stav p\u0159\u00edjm\u016f a v\u00fddaj\u016f t\u00fdkaj\u00edc\u00edch se slu\u017eeb p\u0159evodu pen\u011bz, rozvahu, v\u00fdkaz zisku a ztr\u00e1ty atd. do t\u0159\u00ed m\u011bs\u00edc\u016f od konce obchodn\u00edho roku na adresu komisa\u0159e Finan\u010dn\u00ed slu\u017eby agentury.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Shrnuti_Pokud_budujete_system_pro_prijmy_z_daru_poradte_se_s_pravnikem\"><\/span>Shrnut\u00ed: Pokud budujete syst\u00e9m pro p\u0159\u00edjmy z dar\u016f, pora\u010fte se s pr\u00e1vn\u00edkem<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pokud se slu\u017eba pro p\u0159\u00edjmy z dar\u016f kvalifikuje jako slu\u017eba pro p\u0159evod pen\u011bz, je nutn\u00e9 z\u00edskat registraci pro p\u0159evod pen\u011bz. Pro z\u00edsk\u00e1n\u00ed registrace je nutn\u00e9 splnit p\u0159\u00edsn\u00e9 po\u017eadavky na registraci, tak\u017ee pokud se zd\u00e1, \u017ee z\u00edsk\u00e1n\u00ed registrace bude obt\u00ed\u017en\u00e9, pe\u010dliv\u011b zva\u017ete, aby va\u0161e slu\u017eba nespadala do kategorie slu\u017eeb pro p\u0159evod pen\u011bz.<\/p>\n\n\n\n<p>Av\u0161ak z\u00e1kony jako je z\u00e1kon o platebn\u00edch slu\u017eb\u00e1ch jsou slo\u017eit\u00e9 a slu\u017eby pro p\u0159\u00edjmy z dar\u016f jsou nov\u00e9 slu\u017eby, tak\u017ee diskuse o tom, kter\u00e9 slu\u017eby podl\u00e9haj\u00ed regulaci p\u0159evodu pen\u011bz, st\u00e1le pokra\u010duj\u00ed.<\/p>\n\n\n\n<p>Pokud zjist\u00edte, \u017ee &#8220;ve skute\u010dnosti byla nutn\u00e1 registrace pro p\u0159evod pen\u011bz&#8221; pot\u00e9, co jste za\u010dali poskytovat slu\u017ebu, m\u016f\u017ee to v\u00e9st k zastaven\u00ed slu\u017eby.<\/p>\n\n\n\n<p>Pokud m\u00e1te obavy, pora\u010fte se p\u0159ed zah\u00e1jen\u00edm slu\u017eby s pr\u00e1vn\u00edkem, kter\u00fd je dob\u0159e obezn\u00e1men s IT a z\u00e1kony o platebn\u00edch slu\u017eb\u00e1ch.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Predstaveni_opatreni_nasi_kancelare\"><\/span>P\u0159edstaven\u00ed opat\u0159en\u00ed na\u0161\u00ed kancel\u00e1\u0159e<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pr\u00e1vnick\u00e1 kancel\u00e1\u0159 Monolis je pr\u00e1vnick\u00e1 kancel\u00e1\u0159 s vysokou odbornost\u00ed v oblasti IT, zejm\u00e9na internetu a pr\u00e1va. P\u0159i provozov\u00e1n\u00ed m\u00e9di\u00ed je n\u011bkdy nutn\u00e1 pr\u00e1vn\u00ed kontrola. Na\u0161e kancel\u00e1\u0159 se zab\u00fdv\u00e1 IT a internetov\u00fdmi obchody, hudbou, filmy a dal\u0161\u00edmi oblastmi z\u00e1bavy, od strategick\u00e9ho pl\u00e1nov\u00e1n\u00ed v oblasti du\u0161evn\u00edho vlastnictv\u00ed, p\u0159es smluvn\u00ed vztahy, a\u017e po soudn\u00ed spory. M\u00e1me tak\u00e9 zku\u0161enosti a know-how v r\u016fzn\u00fdch oblastech, od tvorby intern\u00edch sm\u011brnic pro podniky, a\u017e po prov\u00e1d\u011bn\u00ed due diligence (DD) p\u0159i f\u00faz\u00edch a akvizic\u00edch (M&amp;A) v souvislosti s provozem m\u00e9di\u00ed a podobn\u00fdch probl\u00e9m\u016f. Podrobnosti naleznete v n\u00e1sleduj\u00edc\u00edm \u010dl\u00e1nku.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-\u30b3\u30fc\u30dd\u30ec\u30fc\u30c8\u30b5\u30a4\u30c8\uff08\u30c1\u30a7\u30b3\u8a9e\uff09 wp-block-embed-\u30b3\u30fc\u30dd\u30ec\u30fc\u30c8\u30b5\u30a4\u30c8\uff08\u30c1\u30a7\u30b3\u8a9e\uff09\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"XMobLMCKzo\"><a href=\"https:\/\/monolith.law\/cs\/general-corporate\">Obecn\u00e9 korpor\u00e1tn\u00ed pr\u00e1vo<\/a><\/blockquote><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;Obecn\u00e9 korpor\u00e1tn\u00ed pr\u00e1vo&#8221; &#8212; \u30b3\u30fc\u30dd\u30ec\u30fc\u30c8\u30b5\u30a4\u30c8\uff08\u30c1\u30a7\u30b3\u8a9e\uff09\" src=\"https:\/\/monolith.law\/cs\/general-corporate\/embed#?secret=7DtaqOtT4Q#?secret=XMobLMCKzo\" data-secret=\"XMobLMCKzo\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>V posledn\u00ed dob\u011b jsou velmi obl\u00edben\u00e9 aplikace pro \u017eiv\u00e9 vys\u00edl\u00e1n\u00ed, kde je mo\u017en\u00e9 pos\u00edlat pen\u011b\u017en\u00ed dary, jako nap\u0159\u00edklad 17LIVE nebo Pococha. Slu\u017eba pos\u00edl\u00e1n\u00ed pen\u011b\u017en\u00edch dar\u016f, nyn\u00ed zn\u00e1m\u00e1 jako &#8220;Superchat&#038; [&hellip;]<\/p>\n","protected":false},"author":32,"featured_media":62414,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[24,28],"acf":[],"_links":{"self":[{"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/posts\/60915"}],"collection":[{"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/users\/32"}],"replies":[{"embeddable":true,"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/comments?post=60915"}],"version-history":[{"count":5,"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/posts\/60915\/revisions"}],"predecessor-version":[{"id":62781,"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/posts\/60915\/revisions\/62781"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/media\/62414"}],"wp:attachment":[{"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/media?parent=60915"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/categories?post=60915"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/tags?post=60915"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}