natgillin/translations-raw huggingface dataset:
This can cause many difficulties for account-holders, discouraging them from changing bank.
This can cause many difficulties for account-holders, discouraging them from changing bank.
It would therefore be helpful, when switching banks, if provision could at least be made for a transitional phase which did not involve any duplication of costs, or periods in which an account-holder was left without a banking service, for as long a period as necessary to complete the transfer.
It would therefore be helpful, when switching banks, if provision could at least be made for a transitional phase which did not involve any duplication of costs, or periods in which an account-holder was left without a banking service, for as long a period as necessary to complete the transfer.
We must therefore ensure that the costs (economic, temporal and administrative) of switching current accounts from one bank to another are eliminated, or at least reduced to minimum levels, by removing all unnecessary contractual or de facto ties between current accounts and other services, such as loans, savings accounts, securities and insurance policies.
We must therefore ensure that the costs (economic, temporal and administrative) of switching current accounts from one bank to another are eliminated, or at least reduced to minimum levels, by removing all unnecessary contractual or de facto ties between current accounts and other services, such as loans, savings accounts, securities and insurance policies.
In other words, we need to develop mechanisms which make current accounts portable.
In other words, we need to develop mechanisms which make current accounts portable.
1(b) - Information for consumers
1(b) - Information for consumers
To improve the efficiency of the retail banking services industry, your rapporteur is convinced of the need to increase consumers’ ability to take decisions that are appropriate to their financial circumstances.
To improve the efficiency of the retail banking services industry, your rapporteur is convinced of the need to increase consumers’ ability to take decisions that are appropriate to their financial circumstances.
This calls for action on various levels:
This calls for action on various levels:
– a timely supply of clear and adequate information;
– a timely supply of clear and adequate information;
– high-quality advice;
– high-quality advice;
and, above all,
and, above all,
– equal conditions of competition between products with similar characteristics.
– equal conditions of competition between products with similar characteristics.
If consumers are informed, they are in a better position to choose the best bargains for their requirements, independently of the supplier of financial services.
If consumers are informed, they are in a better position to choose the best bargains for their requirements, independently of the supplier of financial services.
While simply disseminating information may be a prerequisite, it is not sufficient for competitive balances to be achieved; what is essential is the quality of that information and whether it can be used by consumers in a practical manner.
While simply disseminating information may be a prerequisite, it is not sufficient for competitive balances to be achieved; what is essential is the quality of that information and whether it can be used by consumers in a practical manner.
If the information to the consumer is not satisfactory and the costs of searching for information so high as to exceed the expected benefits of that information, consumers will not be encouraged to do any research.
If the information to the consumer is not satisfactory and the costs of searching for information so high as to exceed the expected benefits of that information, consumers will not be encouraged to do any research.
From the studies carried out by the Commission and by a number of national supervisory authorities, it has emerged that many information sheets do not set out the conditions governing bank transfers, ATM use, charges for withdrawing cash from banks other than one’s own, etc.
From the studies carried out by the Commission and by a number of national supervisory authorities, it has emerged that many information sheets do not set out the conditions governing bank transfers, ATM use, charges for withdrawing cash from banks other than one’s own, etc.
There is therefore no comprehensive document setting out the regular items of expenditure for services typically used in the handling of a current account.
There is therefore no comprehensive document setting out the regular items of expenditure for services typically used in the handling of a current account.
That is why concise information needs to be given on an annual basis to current account-holders on the actual expenditure they have incurred in running the account and how it has varied since the previous year.
That is why concise information needs to be given on an annual basis to current account-holders on the actual expenditure they have incurred in running the account and how it has varied since the previous year.
This could possibly be done in a standardised way at European level, so that the economic conditions applied by banks are effectively comparable throughout the EU, with a consequent benefit for consumers in terms of choice.
This could possibly be done in a standardised way at European level, so that the economic conditions applied by banks are effectively comparable throughout the EU, with a consequent benefit for consumers in terms of choice.
It would also be desirable to develop sources of information – genuine search engines – that are independent of the banking system and which would make it easier to compare the costs of services offered by various banks in Europe.
It would also be desirable to develop sources of information – genuine search engines – that are independent of the banking system and which would make it easier to compare the costs of services offered by various banks in Europe.
2 - Payment systems
2 - Payment systems
The Commission’s sector inquiry has pinpointed a number of serious competition problems on the European payment cards market.
The Commission’s sector inquiry has pinpointed a number of serious competition problems on the European payment cards market.
Your rapporteur is of the opinion that many of the difficulties identified by the inquiry will be remedied by the introduction of the SEPA (Single European Payment Area) and the application of the directive on payment services.
Your rapporteur is of the opinion that many of the difficulties identified by the inquiry will be remedied by the introduction of the SEPA (Single European Payment Area) and the application of the directive on payment services.
This is a considerably important sector.
This is a considerably important sector.
With regard to the card payment networks, SEPA offers the potential to eliminate many of the inefficiencies highlighted by the inquiry, such as the costs of bank transfers or the time-frame for transferring money.
With regard to the card payment networks, SEPA offers the potential to eliminate many of the inefficiencies highlighted by the inquiry, such as the costs of bank transfers or the time-frame for transferring money.
For payment cards, SEPA should offer consumers a broader choice between service providers, thereby strengthening competition in this highly concentrated market in Europe.
For payment cards, SEPA should offer consumers a broader choice between service providers, thereby strengthening competition in this highly concentrated market in Europe.
2(a) - Multilateral Interchange Fees
2(a) - Multilateral Interchange Fees
Multilateral Interchange Fees (MIFs) are another matter altogether.
Multilateral Interchange Fees (MIFs) are another matter altogether.
Your rapporteur hopes the Commission will issue some sort of guidelines which the market can adopt when drawing up such agreements, so that they can be deemed to be non-restrictive.
Your rapporteur hopes the Commission will issue some sort of guidelines which the market can adopt when drawing up such agreements, so that they can be deemed to be non-restrictive.
Once this calculation methodology has been defined, it should be applied uniformly to all payment circuits, be they domestic, pan-European or international.
Once this calculation methodology has been defined, it should be applied uniformly to all payment circuits, be they domestic, pan-European or international.
A similar solution, as an equal instrument, would be for each circuit to have its own MIF, the level of which would be determined by the efficiency of the circuit.
A similar solution, as an equal instrument, would be for each circuit to have its own MIF, the level of which would be determined by the efficiency of the circuit.
This would create competition between the circuits themselves and would pave the way for the success of the most efficient circuit.
This would create competition between the circuits themselves and would pave the way for the success of the most efficient circuit.
3 - Credit registers
3 - Credit registers
Lastly, your rapporteur fully shares the Commission’s concerns over access to credit registers in cases in which the management of those registers runs counter to the competition rules.
Lastly, your rapporteur fully shares the Commission’s concerns over access to credit registers in cases in which the management of those registers runs counter to the competition rules.
The principle of non-discriminatory mutual access to credit registers is a principle which must be respected throughout Europe.
The principle of non-discriminatory mutual access to credit registers is a principle which must be respected throughout Europe.
Mariela Velichkova Baeva, Zsolt László Becsey, Pervenche Berès, Sharon Bowles, Udo Bullmann, Manuel António dos Santos, Jonathan Evans, Elisa Ferreira, Jean-Paul Gauzès, Robert Goebbels, Donata Gottardi, Benoît Hamon, Karsten Friedrich Hoppenstedt, Sophia in ‘t Veld, Othmar Karas, Piia-Noora Kauppi, Wolf Klinz, Christoph Konrad, Guntars Krasts, Kurt Joachim Lauk, Andrea Losco, Astrid Lulling, Florencio Luque Aguilar, Gay Mitchell, John Purvis, Alexander Radwan, Bernhard Rapkay, Antolín Sánchez Presedo, Margarita Starkevičiūtė, Ivo Strejček, Ieke van den Burg, Cornelis Visser
Mariela Velichkova Baeva, Zsolt László Becsey, Pervenche Berès, Sharon Bowles, Udo Bullmann, Manuel António dos Santos, Jonathan Evans, Elisa Ferreira, Jean-Paul Gauzès, Robert Goebbels, Donata Gottardi, Benoît Hamon, Karsten Friedrich Hoppenstedt, Sophia in ‘t Veld, Othmar Karas, Piia-Noora Kauppi, Wolf Klinz, Christoph Konrad, Guntars Krasts, Kurt Joachim Lauk, Andrea Losco, Astrid Lulling, Florencio Luque Aguilar, Gay Mitchell, John Purvis, Alexander Radwan, Bernhard Rapkay, Antolín Sánchez Presedo, Margarita Starkevičiūtė, Ivo Strejček, Ieke van den Burg, Cornelis Visser
Katerina Batzeli, Jorgo Chatzimarkakis, Dragoş Florin David, Valdis Dombrovskis, Harald Ettl, Salvador Garriga Polledo, Ján Hudacký, Alain Lipietz, Diamanto Manolakou, Gianni Pittella, Bilyana Ilieva Raeva, Andreas Schwab
Katerina Batzeli, Jorgo Chatzimarkakis, Dragoş Florin David, Valdis Dombrovskis, Harald Ettl, Salvador Garriga Polledo, Ján Hudacký, Alain Lipietz, Diamanto Manolakou, Gianni Pittella, Bilyana Ilieva Raeva, Andreas Schwab
PE 400.569v01-00
PE 400.569v02-00
ИЗЛОЖЕНИЕ НА МОТИВИТЕ.............................................................................................15
EXPLANATORY STATEMENT..............................................................................................14
МНЕНИЕ НА МАЛЦИНСТВОТО.........................................................................................19
MINORITY OPINION.............................................................................................................18
РЕЗУЛТАТ ОТ ОКОНЧАТЕЛНОТО ГЛАСУВАНЕ В КОМИСИЯ...................................20
RESULT OF FINAL VOTE IN COMMITTEE.........................................................................19
– като взе предвид Европейската стратегия за сигурност, приета от Европейския съвет на 12 декември 2003 г.,
– having regard to the European Security Strategy (ESS) adopted by the European Council on 12 December 2003,
– като взе предвид Договора от Лисабон, подписан в Лисабон на 13 декември 2007 г.,
– having regard to the Treaty of Lisbon, signed in Lisbon on 13 December 2007,
– като взе предвид заключенията на Европейския съвет от 14 декември 2007 г.,
– having regard to the Conclusions of the European Council on 14 December 2007,
– като взе предвид докладите относно Европейската политика за сигурност и отбрана (ЕПСО) на Председателството на Съвета от 18 юни и 11 декември 2007 г.,
– having regard to the Reports on the European Security and Defence Policy (ESDP) by the EU Council Presidency of 18 June and 11 December 2007,
– като взе предвид срещата на министрите на отбраната и министрите за развитието на държавите-членки на ЕС на 19-20 ноември 2007 г.,
– having regard to the joint meeting of EU Defence and Development Ministers on 19-20 November 2007,
– като взе предвид заключенията относно сигурността и развитието и заключенията относно ЕПСО на Европейския съвет от 19-20 ноември 2007 г.,
– having regard to the Conclusions on Security and Development and the Conclusions on ESDP of the EU Council meeting on 19-20 November 2007,
– като взе предвид Мадридския доклад на групата за проучване на сигурността на хората от 8 ноември 2007 г.,
– having regard to the Madrid Report issued by the Human Security Study Group on 8 November 2007,
– като взе предвид своята резолюция от 14 април 2005 г. относно Европейската стратегия за сигурност
– having regard to its resolution of 14 April 2005 on the ESS
– като взе предвид своята резолюция от 16 ноември 2006 г. относно изпълнението на Европейската стратегия за сигурност в контекста на ЕПСО
– having regard to its resolution of 16 November 2006 on the implementation of the ESS in the context of the ESDP
– - като взе предвид съвместната стратегия ЕС-Африка, приета в Лисабон на 9 декември 2007 г., и назначаването на генерал Pierre-Michel Joana за специален съветник за африканските мироопазващи сили от 1 март 2008 г.,
– having regard to the EU-Africa joint strategy adopted in Lisbon on 9 December 2007 and the appointment of General Pierre-Michel Joana as Special Advisor for African peacekeeping capabilities as from 1 March 2008,
– като взе предвид своята резолюция от 27 септември 2007 г. относно операцията по ЕПСО в Чад и Централноафриканската република
– having regard to its resolution of 27 September 2007 on the ESDP operation in Chad and the Central African Republic (CAR)
Приети текстове, P6_TA(2007)0419 . ,
Texts adopted, P6_TA(2007)0419 . ,
– като взе предвид доклада на комисията по външни работи ( A6-0186/2008 ),
– having regard to the report of the Committee on Foreign Affairs ( A6-0186/2008 ),
А. като има предвид, че през 2007 г. и в началото на 2008 г. Съветът взе важни оперативни решения в областта на ЕПСО и изпълнението на Европейската стратегия за сигурност, включително:
A. whereas in 2007 and early 2008 the Council has taken important operational decisions in the field of ESDP and on the implementation of the ESS, including:
а. начало на полицейска мисия по ЕПСО в Афганистан (EUPOL Афганистан);
a. the launching of an ESDP police mission in Afghanistan (EUPOL Afghanistan);
б. решение за начало на военна операция по ЕПСО в Чад/Централноафриканска република;
b. the decision to launch an ESDP military operation in Chad/CAR;
в. прегрупиране и намаляване на военните части на EUFOR Althea в Босна;
c. the reconfiguration and reduction of EUFOR Althea troops in Bosnia;
г. подготовка за гражданска мисия по ЕПСО в Косово;
d. the preparation for a civilian ESDP mission in Kosovo;
д. подготовка за мисия за реформи в сектора на сигурността в Гвинея-Бисау;
e. the preparation for a security sector reform mission in Guinea-Bissau,
Б. като има предвид, че през 2007 г. и в началото на 2008 г. бяха постигнати нови успехи в областта на възможностите на ЕПСО и изпълнението на Европейската стратегия за сигурност, включително:
B. whereas in 2007 and early 2008 further developments in the field of ESDP capabilities and the implementation of the ESS have been achieved, including:
а. приемане на нова Гражданска приоритетна цел 2010;
a. the adoption of a new Civilian Headline Goal 2010;
б. създаване на граждански капацитет за планиране и провеждане (CPPC) в рамките на секретариата на Съвета;
b. the establishment of a Civilian Planning and Conduct Capability (CPCC) within the Council secretariat;
в. постигане на оперативна способност на Оперативния център на ЕС;
c. the reaching of operational capability by the EU Operations Centre;
г. постигане на пълна оперативна способност за бързо и едновременно започване на две военни операции по ЕПСО с използване на бойни групи;
d. the reaching of full operational capability to undertake rapidly and simultaneously two ESDP military operations using the Battle Groups,
В. като има предвид, че през 2007 г. и в началото на 2008 г. също така продължаваха да се наблюдават недостатъци в областта на ЕПСО и изпълнението на Европейската стратегия за сигурност, включително:
C. whereas 2007 and early 2008 have also witnessed continued shortfalls in the fields of ESDP and the implementation of the ESS, including:
а. отсъствие на Европейски граждански мирен корпус, за който Европейският парламент настоява от 2000 г., както и на сили за гражданска защита и хуманитарна помощ, за каквито се споменава в множество документи на Комисията и Съвета след бедствието, причинено от цунами през 2004 г.;
a. the lack of an EU Civil Peace Corps, requested by the European Parliament since 2000, and of civil protection and humanitarian relief capabilities, referred to in a number of Commission and Council documents since the 2004 tsunami catastrophe;
б. забавяне на доставките и все по-високи цени на така необходимия транспорт за дълги разстояния, а именно военния транспортен самолет Airbus A400M;
b. delivery delays and rising costs concerning the much needed long-range airlift capacity in the form of the Airbus A400M military transport aircraft;
в. дисбаланс в приноса на държавите-членки по отношение на осигуряване на участници в мисии по ЕПСО, който ограничава възможностите на ЕС за справяне с кризи;
c. an imbalance in the contributions from Member States as regards the staffing of ESDP missions, thus limiting EU crisis management capabilities;
г. трудности в набирането на достатъчно полицейски служители за мисията в Афганистан поради проблемите на сигурността и липсата на перспективи за професионално развитие след завръщането им;
d. problems in recruiting sufficient police officers for the mission in Afghanistan due to security concerns and a lack of individual career prospects on their return;
д. забавяне началото на мисията по ЕПСО в Чад/Централноафриканска република поради неуспех на конференциите за набиране на военни части и по-специално липсата на хеликоптери;
e. delays in the launching of the ESDP Mission in Chad/CAR due to unsuccessful force generation conferences, in particular as regards the lack of helicopters;
е. все още неподписаните технически споразумения между ЕС и НАТО относно координирането на KFOR и евентуална бъдеща мисия по ЕПСО в Косово, както и в Афганистан между EUPOL и ISAF поради несъгласие на Турция;
f. the failure as yet to sign the technical agreements drafted between the EU and NATO with a view to ensuring coordination in Kosovo between KFOR and the possible future ESDP mission, and in Afghanistan between EUPOL and ISAF, due to opposition by Turkey,
Г. като има предвид, че от Договора от Лисабон следват сериозни промени в областта на ЕПСО;
D. whereas the Treaty of Lisbon will introduce major innovations in the field of ESDP,
Д. като има предвид, че е необходимо да продължат усилията за избягване на дублирането и за увеличаване на оперативната съвместимост в рамките на ЕС, и като има предвид, че икономически най-целесъобразният начин за това е чрез споделяне и обединяване на средствата за отбрана, за да се увеличи максимално способността на Европа за отбрана;
E. whereas continuous efforts need to be made to avoid duplication and to increase interoperability within the EU, and whereas the most cost-effective way of doing this is to share and pool defence assets in order to maximise Europe's defence capability,
2. приветства подписването на Договора от Лисабон, който ще доведе до сериозни промени в областта на ЕПСО, в частност чрез засилване службата на върховния представител, създаване на Европейска служба за външна дейност и въвеждане на член относно взаимната помощ при отбрана, клауза за солидарност, постоянно структурирано сътрудничество в областта на отбраната и разширяване на „задачите от Петерсберг”; изразява надежда, че процесът на ратификация ще приключи успешно и навреме във всички държави-членки; поздравява онези държави-членки, които вече са ратифицирали Договора от Лисабон; изтъква, че Парламентът ще изпълнява отговорностите си по настоящия договор и отблизо ще следи за изпълнението на всякакви промени;
Welcomes the signature of the Lisbon Treaty, which will introduce major innovations in the field of ESDP, in particular by strengthening the office of High Representative, establishing a European External Action Service and introducing an article on mutual defence assistance, a solidarity clause, permanent structured cooperation in the field of defence and an extension of the "Petersberg tasks"; hopes that the ratification process will be completed successfully and in a timely fashion in all Member States; congratulates those Member States that have already ratified the Lisbon Treaty; points out that Parliament will fulfil its responsibilities under the current Treaty and will closely monitor the implementation of any new innovations;
Оценяване и допълване на Европейската стратегия за сигурност
Assessing and complementing the ESS
8. приветства новата Гражданска приоритетна цел 2010 с начало 1 януари 2008 г., която отчита поуките от предишни граждански мисии по ЕПСО;
Welcomes the new Civilian Headline Goal 2010 launched on 1 January 2008, which takes account of lessons learned from previous civilian ESDP missions;
11. изисква от Съвета, предвид предишното незадоволително планиране и разгръщане на EUPOL Афганистан, да извърши незабавен преглед на вземането на решения, финансирането и разполагането на граждански мисии по линия на ЕПСО и да представи конкретни предложения с цел това положение да не се повтаря в бъдеще;
Requests the Council, against the background of unsatisfactory planning and deployment of EUPOL Afghanistan, to carry out an immediate review of the decision-making, financing and deployment aspects of civilian ESDP missions and to put forward concrete proposals designed to avoid any repetition of this situation in the future;
16. отбелязва, че ценният инструмент на гражданския екип за реагиране (ГЕР) не се използва и изразява съжаление, че експертите на ГЕР почти без изключения действат поотделно, а не като екип, както е било предвидено и както са били обучени;
Notes the lack of use of the valuable Civilian Response Team (CRT) instrument and regrets that the CRT experts have been deployed almost exclusively on an individual basis rather than, as envisaged, in the team format for which they were trained;
Сигурността на хората и аспектът "сигурност" в политиката за развитие
Human security and the security dimension of development policy
Ролята на дипломацията на ЕС по отношение на иранската ядрена програма
The EU's diplomatic role regarding Iran 's nuclear programme
1 Приети текстове, P6_TA(2008)0031 . и подкрепя Резолюция 1803 (2008) на Съвета за сигурност на ООН от 3 март 2008 г.;
Texts adopted, P6_TA(2008)0031 . and supports the UN Security Council's Resolution 1803 (2008) of 3 March 2008;
Транспорт, комуникации и разузнаване
Transport, communication and intelligence
Военен капацитет
Military capabilities
Финансиране на ЕПСО - мисии
Financing the ESDP – missions