Abstract
CĂlem pĹĂspÄvku je na problematiku nĂzkĂ˝ch nĂĄvratnostĂ v tuzemsku nabĂdnout novĂ˝ pohled. S ohledem na specifika ÄeskĂŠ republiky se ÄlĂĄnek dotĂ˝kĂĄ teorie zastoupenĂ pĹed insolvenÄnĂm ĹĂzenĂm. Vzhledem k tomu, Ĺže bankovnĂ vÄĹitelĂŠ majĂ lepĹĄĂ vyjednĂĄvacĂ moĹžnosti v porovnĂĄnĂ s ostatnĂmi tĹĂdami vÄĹitelĹŻ, je pohled zamÄĹen na jejich aktivitu pĹi zahajovĂĄnĂ Ăşpadku. Na zĂĄkladÄ specifickĂŠho postavenĂ jednotlivĂ˝ch skupin dluĹžnĂkĹŻ pĹed insolvenÄnĂm ĹĂzenĂm se ÄlĂĄnek snaŞà odhadnout, jakĂŠ procento insolvencĂ by mohlo bĂ˝t v ÄeskĂŠ republice spuĹĄtÄno bankovnĂm vÄĹitelem. BankovnĂ vÄĹitelĂŠ majĂ silnÄjĹĄĂ monitorovacĂ a vymĂĄhacĂ prostĹedky, coĹž jim dĂĄvĂĄ specifickou moĹžnost zahĂĄjit ĹĂzenĂ v lepĹĄĂm ÄasovĂŠm horizontu neĹž jinĂ˝m vÄĹitelĹŻm.
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