{"id":1681,"date":"2025-03-18T09:18:39","date_gmt":"2025-03-18T09:18:39","guid":{"rendered":"https:\/\/vienapaskola.lt\/index.php\/2025\/03\/18\/nuo-finansu-konsultanto-iki-tiktok-eksperto-kuo-is-tiesu-galiu-pasitiketi\/"},"modified":"2025-03-18T09:18:39","modified_gmt":"2025-03-18T09:18:39","slug":"nuo-finansu-konsultanto-iki-tiktok-eksperto-kuo-is-tiesu-galiu-pasitiketi","status":"publish","type":"post","link":"https:\/\/vienapaskola.lt\/index.php\/2025\/03\/18\/nuo-finansu-konsultanto-iki-tiktok-eksperto-kuo-is-tiesu-galiu-pasitiketi\/","title":{"rendered":"Nuo finans\u0173 konsultanto iki \u201eTikTok\u201c eksperto: kuo i\u0161 ties\u0173 galiu pasitik\u0117ti?"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<div class=\"item_summary\">\n<p>Socialiniai tinklai jau tapo ne tik pramog\u0173, bet ir \u012fvairiausi\u0173 patarim\u0173, taip pat ir finans\u0173 klausimais, \u0161altiniu. Nors Lietuvoje \u201efinfluenceriai\u201c arba finans\u0173 nuomon\u0117s formuotojai dar netapo masiniu rei\u0161kiniu, pasaulin\u0117 patirtis rodo, kad socialiniuose tinkluose plintantys finansiniai patarimai gali tur\u0117ti rimt\u0173 pasekmi\u0173 investuotoj\u0173 elgsenai ir netgi j\u0173 finansiniam saugumui. \u0160io fenomeno \u012ftaka jaun\u0173 \u017emoni\u0173 \u012fpro\u010diams kelia i\u0161\u0161\u016bki\u0173 tiek prie\u017ei\u016bros ir reguliavimo institucijoms, tiek ir visai visuomenei.<\/p>\n<\/p><\/div>\n<p>Komentuoja\u00a0dr. <strong>Viktorija Di\u010dpinigaitien\u0117<\/strong>, Lietuvos banko Finansinio ra\u0161tingumo centro vadov\u0117<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Turinys:<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/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:\/\/vienapaskola.lt\/index.php\/2025\/03\/18\/nuo-finansu-konsultanto-iki-tiktok-eksperto-kuo-is-tiesu-galiu-pasitiketi\/#Kas_yra_%E2%80%9Efinfluenceriai%E2%80%9C\" >Kas yra \u201efinfluenceriai\u201c?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/vienapaskola.lt\/index.php\/2025\/03\/18\/nuo-finansu-konsultanto-iki-tiktok-eksperto-kuo-is-tiesu-galiu-pasitiketi\/#Labiau_naudingi_ar_pavojingi\" >Labiau naudingi ar pavojingi?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/vienapaskola.lt\/index.php\/2025\/03\/18\/nuo-finansu-konsultanto-iki-tiktok-eksperto-kuo-is-tiesu-galiu-pasitiketi\/#Ka_sako_mokslas\" >K\u0105 sako mokslas?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/vienapaskola.lt\/index.php\/2025\/03\/18\/nuo-finansu-konsultanto-iki-tiktok-eksperto-kuo-is-tiesu-galiu-pasitiketi\/#Neisvengiama_realybe_bet_reikalingi_saugikliai\" >Nei\u0161vengiama realyb\u0117, bet reikalingi saugikliai<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Kas_yra_%E2%80%9Efinfluenceriai%E2%80%9C\"><\/span>Kas yra \u201efinfluenceriai\u201c?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u201eFinfluenceriai\u201c \u2013 socialini\u0173 tinkl\u0173 turinio k\u016br\u0117jai, nuomon\u0117s formuotojai, kurie dalijasi patarimais apie investavim\u0105, finansinius produktus ar asmeninius finansus. Jie \u012fprastai neturi oficialaus finansinio patar\u0117jo ar konsultanto statuso, neretai \u2013 ir tinkamo i\u0161silavinimo, ta\u010diau turi didel\u0119 auditorij\u0105 ir geba paveikti investuotoj\u0173 sprendimus. Pasak CFA instituto \u00a0(angl. <em>Institute of Chartered Financial Analysts<\/em>) 2024 m. paskelbtos ataskaitos, \u201efinfluenceriai\u201c veikia kaip naujo tipo tarpininkai tarp finans\u0173 \u012fstaig\u0173 ir vartotoj\u0173, ypa\u010d Gen-Z kartos atstov\u0173, kurie vis da\u017eniau informacij\u0105 apie investicijas ar kitus finansinius klausimus gauna ne i\u0161 profesionali\u0173 konsultant\u0173, o per \u201eInstagram\u201c, \u201eTikTok\u201c ar \u201eYouTube\u201c k\u016br\u0117j\u0173 turin\u012f.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Labiau_naudingi_ar_pavojingi\"><\/span>Labiau naudingi ar pavojingi?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u201eFinfluenceriai\u201c gali b\u016bti naudingi, nes skatina jaunim\u0105 dom\u0117tis finansiniu ra\u0161tingumu, investavimu ir asmenini\u0173 finans\u0173 valdymu. Ta\u010diau j\u0173 patarimai ne visada gali b\u016bti laikomi patikimais ar pagr\u012fstais, o tai gali klaidinti sek\u0117jus. Neseniai paskelbtoje Tarptautin\u0117s vertybini\u0173 popieri\u0173 komisij\u0173 organizacijos (angl. <em>International Organisation of Securities Commissions<\/em>, IOSCO) ataskaitoje pa\u017eymima, jog dalis \u201efinfluenceri\u0173\u201c nesilaiko informacijos skaidrumo standart\u0173 ir neatskleid\u017eia, kad j\u0173 turinys yra komercinis, nors u\u017e tai gauna atlyg\u012f. T\u0105 patvirtina ir CFA instituto atliktas tyrimas: jame nurodoma, kad tik 20 proc. \u201efinfluenceri\u0173\u201c, teikian\u010di\u0173 rekomendacijas, ai\u0161kiai nurodo turintys komercini\u0173 interes\u0173 ar bendradarbiavimo ry\u0161i\u0173 su finans\u0173 \u012fstaigomis.<\/p>\n<p>Problema dar labiau i\u0161ry\u0161k\u0117ja, kai \u201efinfluenceriai\u201c dalijasi rekomendacijomis apie sud\u0117tingus ir rizikingus produktus, tokius kaip kriptovaliutos ar finansin\u0117s priemon\u0117s naudojant finansin\u012f svert\u0105, kurios tinkamos ne visiems investuotojams. Kai kurie \u201efinfluenceriai\u201c net pristato save kaip ekspertus, si\u016blydami mokamus mokymus ar rinkos \u012f\u017evalgas, kurios neretai b\u016bna nepatikrintos ar netgi klaidinan\u010dios. Taigi, tiek nuo\u0161ird\u017eiai, siekiant \u0161viesti ir paai\u0161kinti, tiek manipuliaciniais tikslais supaprastinamas turinys, vengiant pabr\u0117\u017eti rizikas, gali paskatinti vartotojus priimti neteisingus sprendimus, kurie gali pakenkti j\u0173 finansinei pad\u0117\u010diai ir atei\u010diai.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Ka_sako_mokslas\"><\/span>K\u0105 sako mokslas?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Moksliniai tyrimai rodo (Srivastava ir kt., 2019), kad socialini\u0173 tinkl\u0173 turinys aktyvuoja smegen\u0173 greit\u0105j\u0105 \u2013 emocin\u0119 \u2013 m\u0105stymo sistem\u0105, o tai paai\u0161kina, kod\u0117l net ir, regis, racional\u016bs investuotojai gali priimti impulsyvius sprendimus remdamiesi patraukliu, pavir\u0161utini\u0161ku ir \u012f emocijas, o ne logik\u0105, orientuotu turiniu. Pa\u017eym\u0117tina, kad socialini\u0173 tinkl\u0173 turinys aktyvina \u017emoni\u0173 kognityvinius, t. y. m\u0105stymo, \u0161ali\u0161kumus, pavyzd\u017eiui, investuotojai ima pasitik\u0117ti turiniu, kuris patvirtina j\u0173 i\u0161ankstines nuostatas, o socialini\u0173 tinkl\u0173 algoritmai sudaryti taip, kad pateikt\u0173 tik dar daugiau tokio patvirtinan\u010dio turinio.<\/p>\n<p>\u201eFinfluenceri\u0173\u201c turinys trumpuoju laikotarpiu gali padidinti investuotoj\u0173 susidom\u0117jim\u0105, akcij\u0173 prekybos apimt\u012f ir kain\u0173 svyravimus (Keasey ir kt, 2024). Verta prisiminti ir <em>GameStop<\/em> \u012fmon\u0117s situacij\u0105, \u012fvykusi\u0105 2021 m. prad\u017eioje, ir tapusi\u0105 simboliniu \u012fvykiu, kai socialini\u0173 tinkl\u0173 galia akivaizd\u017eiai paveik\u0117 finans\u0173 rinkas. Daugyb\u0117 smulki\u0173j\u0173 investuotoj\u0173, susib\u016brusi\u0173 \u201eReddit\u201c bendruomen\u0117je per kelias savaites suk\u0117l\u0117 <em>GameStop<\/em> akcij\u0173 kainos \u0161uol\u012f. Nors \u0161is atvejis nebuvo klasikin\u0117s kainos i\u0161p\u016btimo ir pardavimo (angl. <em>pump and dump<\/em>) schemos pavyzdys, nes nebuvo vieno organizatoriaus ar ai\u0161kaus i\u0161ankstinio tikslo manipuliuoti rinka, \u2013 daugelis \u0161io \u012fvykio bruo\u017e\u0173 sutampa su toki\u0173 schem\u0173 veikimo principais.<\/p>\n<p>Taigi svarbu ne tik vertinti ir susim\u0105styti, kas teikia finansin\u0119 rekomendacij\u0105, bet ir kod\u0117l bei kieno interesais \u0161i informacija gali b\u016bti skleid\u017eiama. Dar daugiau \u2013 \u201efinfluenceriai\u201c, ypa\u010d ai\u0161kiai neatskleid\u017eiantys komercini\u0173 interes\u0173, gali ir patys nes\u0105moningai tapti manipuliacin\u0117s schemos dalimi, pavyzd\u017eiui, per <em>Telegram <\/em>ar <em>Discord <\/em>grupes, \u012f kurias pasitelkiami \u012ftakingi asmenys ar turinio k\u016br\u0117jai, galintys paveikti didel\u0119 auditorij\u0105.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Neisvengiama_realybe_bet_reikalingi_saugikliai\"><\/span>Nei\u0161vengiama realyb\u0117, bet reikalingi saugikliai<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u201eFinfluenceri\u0173\u201c veikla vis labiau sulaukia ir reguliuotoj\u0173 d\u0117mesio d\u0117l klaidinan\u010di\u0173 finansini\u0173 rekomendacij\u0173. 2022 m. JAV vertybini\u0173 popieri\u0173 ir bir\u017e\u0173 komisija (angl. <em>Securities and Exchange Commission<\/em>, SEC) skyr\u0117 Kim Kardashian 1,26 mln. doleri\u0173 baud\u0105 u\u017e kriptovaliutos reklam\u0105 \u201eInstagram\u201c \u2013 ji neatskleid\u0117, kad u\u017e reklam\u0105 gavo atlyg\u012f. Jungtin\u0117je Karalyst\u0117je 2024 m. Finans\u0173 rinkos prie\u017ei\u016bros institucija (angl. <em>Financial Conduct Authority<\/em>) apklaus\u0117 20 \u201efinfluenceri\u0173\u201c d\u0117l galimai neteis\u0117t\u0173 finansini\u0173 reklam\u0173. Galiausiai, 2025 m. bendrov\u0117 \u201eRobinhood\u201c sutiko sumok\u0117ti 29,75 mln. doleri\u0173 baud\u0105 JAV reguliuotojams u\u017e atitikties ir tre\u010di\u0173j\u0173 \u0161ali\u0173, \u012fskaitant \u201efinfluenceri\u0173\u201c, prie\u017ei\u016bros ir kontrol\u0117s tr\u016bkumus. \u0160ie visi atvejai rodo, kad atsakomyb\u0117 u\u017e skaidri\u0105 informacij\u0105 ir kokybi\u0161k\u0105 jos sklaid\u0105 tenka ne tik patarimus teikiantiesiems, bet ir jiems erdv\u0119 suteikian\u010dioms platformoms bei finans\u0173 \u012fstaigoms.<\/p>\n<p>\u012edomu, kad Pranc\u016bzijoje 2024 m. \u012fsigaliojo \u012fstatymas, kuriame nustatyta, kad visi \u201efinfluenceriai\u201c, reklamuojantys finansinius produktus ar paslaugas, privalo tur\u0117ti oficiali\u0105 licencij\u0105, i\u0161duodam\u0105 prie\u017ei\u016bros institucijos (angl. <em>Autorit\u00e9 des march\u00e9s financiers<\/em>, AMF). \u0160i licencija u\u017etikrina, kad \u201efinfluenceriai\u201c turi pakankamai \u017eini\u0173 apie finansinius produktus ir laikosi etikos standart\u0173.<\/p>\n<p>Apibendrinant pa\u017eym\u0117tina, jog, nors Lietuvoje \u201efinfluenceri\u0173\u201c problema dar n\u0117ra tokio masto kaip u\u017esienyje, tarptautin\u0117 praktika rodo, kad rizik\u0173 ignoruoti nevalia. B\u016btent dabar yra tinkamas metas apie tai prad\u0117ti kalb\u0117ti, kelti m\u016bs\u0173 visuomen\u0117s finansin\u012f ra\u0161tingum\u0105 ir skatinti vartotojus vertinti informacij\u0105 kriti\u0161kai. Kai socialini\u0173 tinkl\u0173 turinys darosi vis patrauklesnis, o pasitik\u0117jimas patarimais kyla ne d\u0117l turinio kokyb\u0117s, o d\u0117l sek\u0117j\u0173 skai\u010diaus, atsakomyb\u0117s prisi\u0117mimas tampa nebe pasirinkimu, o b\u016btinybe.<\/p>\n<\/p><\/div>\n<p><script>\n    !function(f,b,e,v,n,t,s){if(f.fbq)return;n=f.fbq=function(){n.callMethod?\n            n.callMethod.apply(n,arguments):n.queue.push(arguments)};if(!f._fbq)f._fbq=n;\n            n.push=n;n.loaded=!0;n.version='2.0';n.queue=[];t=b.createElement(e);t.async=!0;\n            t.src=v;s=b.getElementsByTagName(e)[0];s.parentNode.insertBefore(t,s)}(window,\n        document,'script','https:\/\/connect.facebook.net\/en_US\/fbevents.js');\n    fbq('init', '449445692451263'); \/\/ Insert your pixel ID here.\n    fbq('track', 'PageView');\n<\/script><br \/>\n<br \/><br \/>\n<br \/><a href=\"https:\/\/www.lb.lt\/lt\/naujienos\/nuo-finansu-konsultanto-iki-tiktok-eksperto-kuo-is-tiesu-galiu-pasitiketi\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Socialiniai tinklai jau tapo ne tik pramog\u0173, bet ir \u012fvairiausi\u0173 patarim\u0173, taip pat ir finans\u0173 klausimais, \u0161altiniu. Nors Lietuvoje \u201efinfluenceriai\u201c arba finans\u0173 nuomon\u0117s formuotojai dar netapo masiniu rei\u0161kiniu, pasaulin\u0117 patirtis rodo, kad socialiniuose tinkluose plintantys finansiniai patarimai gali tur\u0117ti rimt\u0173 pasekmi\u0173 investuotoj\u0173 elgsenai ir netgi j\u0173 finansiniam saugumui. \u0160io fenomeno \u012ftaka jaun\u0173 \u017emoni\u0173 \u012fpro\u010diams kelia [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1682,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[3],"tags":[3839,801,2756,62,360,3838,3840,46,3842,3841,227],"class_list":["post-1681","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finansai","tag-eksperto","tag-finansu","tag-galiu","tag-iki","tag-is","tag-konsultanto","tag-kuo","tag-nuo","tag-pasitiketi","tag-tiesu","tag-tiktok"],"aioseo_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Nuo finans\u0173 konsultanto iki \u201eTikTok\u201c eksperto: kuo i\u0161 ties\u0173 galiu pasitik\u0117ti? - VienaPaskola.LT<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/vienapaskola.lt\/index.php\/2025\/03\/18\/nuo-finansu-konsultanto-iki-tiktok-eksperto-kuo-is-tiesu-galiu-pasitiketi\/\" \/>\n<meta property=\"og:locale\" content=\"lt_LT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Nuo finans\u0173 konsultanto iki \u201eTikTok\u201c eksperto: kuo i\u0161 ties\u0173 galiu pasitik\u0117ti? - VienaPaskola.LT\" \/>\n<meta property=\"og:description\" content=\"Socialiniai tinklai jau tapo ne tik pramog\u0173, bet ir \u012fvairiausi\u0173 patarim\u0173, taip pat ir finans\u0173 klausimais, \u0161altiniu. 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