natgillin/translations-raw huggingface dataset:
Par exemple, il n'est pas cohérent que la perception de la TVA puisse se faire à l'importation par les administrations douanières ou que la possibilité soit offerte aux entreprises de payer la TVA en régime intérieur.
For instance, it is illogical for VAT to be collected on imports by customs administrations or for companies to be given the option of paying VAT under a domestic system.
Le rapporteur admet que le processus d'harmonisation est un processus difficile car il y a des limites intrinsèques.
Your rapporteur acknowledges that the harmonisation process is difficult, as there are intrinsic limits to it.
Cependant, le rapporteur tient à encourager ce processus, et tient à souligner que l'éclatement de la mise en œuvre de notre politique commerciale et de nos règles douanières communes entre toutes les administrations nationales constitue un handicap sérieux obligeant constamment la Commission à des efforts de coordination.
However, he wishes to encourage this process and would stress that the fragmented implementation of our trade policy and common customs rules, split as they are between all national administrations, is a serious handicap which constantly obliges the Commission to make great efforts of coordination.
La création d'une administration douanière
The establishment of a customs administration
Le rapporteur comprend que la réforme du code des douanes constitue la priorité de la Commission européenne et qu'il s'agit d'une tâche suffisamment complexe pour ne pas y ajouter une réforme institutionnelle.
Your rapporteur understands that the reform of the Customs Code is a priority for the Commission and that it is already a sufficiently complex task without being combined with institutional reform.
Cependant, le rapporteur tient à ouvrir la piste de réflexion de la création d'une fonction publique européenne douanière en proposant que soit étudiée la possibilité de créer une coordination intégrée des administrations douanières nationales en vue d’aller vers une administration communautaire en charge de l’union douanière.
However, he wishes to open up a debate on the establishment of a European customs civil service by proposing that consideration be given to the possible creation of integrated and coordinated national customs administrations, with a view to moving towards a Community administration in charge of the customs union.
En effet, la logique d'harmonisation toujours plus poussée des règles douanières implique que la fonction douanière devient de facto identique dans toute l'Union.
Indeed, the increasingly pro-harmonisation nature of the customs rules means that the role of customs is in practice becoming identical throughout the Union.
Graham Booth, Daniel Caspary, Christofer Fjellner, Glyn Ford, Ignasi Guardans Cambó, Jacky Hénin, Ģirts Valdis Kristovskis, Caroline Lucas, Marusya Ivanova Lyubcheva, Erika Mann, Helmuth Markov, David Martin, Vural Öger, Georgios Papastamkos, Tokia Saïfi, Gianluca Susta, Daniel Varela Suanzes-Carpegna, Iuliu Winkler, Corien Wortmann-Kool
Graham Booth, Daniel Caspary, Christofer Fjellner, Glyn Ford, Ignasi Guardans Cambó, Jacky Hénin, Ģirts Valdis Kristovskis, Caroline Lucas, Marusya Ivanova Lyubcheva, Erika Mann, Helmuth Markov, David Martin, Vural Öger, Georgios Papastamkos, Tokia Saïfi, Gianluca Susta, Daniel Varela Suanzes-Carpegna, Iuliu Winkler, Corien Wortmann-Kool
Jean-Pierre Audy, Vasco Graça Moura, Javier Moreno Sánchez, Salvador Domingo Sanz Palacio, Zbigniew Zaleski
Jean-Pierre Audy, Vasco Graça Moura, Javier Moreno Sánchez, Salvador Domingo Sanz Palacio, Zbigniew Zaleski
PE 400.585v02-00
PE 400.585v02-00
- като взе предвид съобщението на Комисията относно секторното проучване съгласно член 17 от Регламент (ЕО) № 1/2003 относно банковите услуги на дребно ( COM(2007)0033 ),
- having regard to the Commission Communication on the Sector Inquiry under Article 17 of Regulation (EC) No 1/2003 on retail banking ( COM(2007)0033 ),
- като взе предвид междинен доклад 1 от 12 април 2006 г. относно разплащателните карти и междинен доклад 2 от 17 юли 2006 г. относно разплащателните сметки и свързаните с тях услуги,
- having regard to the Interim report 1 of 12 April 2006 on payment cards and the Interim report 2 of 17 July 2006 on current accounts and related services,
- като взе предвид зелената книга за финансовите услуги на дребно на единния пазар ( COM(2007)0226 ),
- having regard to the Green paper on retail financial services in the Single Market ( COM(2007)0226 ),
- като взе предвид съобщението на Комисията, озаглавено „Единен пазар за Европа през 21-ви век“ ( COM(2007)0724 ),
- having regard to the Commission Communication entitled 'A Single Market for 21st century Europe' ( COM(2007)0724 ),
- като взе предвид неотдавнашното решение относно многостранните обменни такси за ползване на мрежата на Mastercard в рамките на ЕИП (COMP 34/579 MasterCard),
- having regard to the recent decision on Mastercard's intra-EEA multilateral interchanges fees (COMP 34/579 MasterCard),
- като взе предвид Директива 2006/48/ЕО на Европейския парламент и на Съвета от 14 юни 2006 г. относно предприемането и осъществяването на дейност от кредитните институции (преработена)
- having regard to the Directive 2006/48/EC of the European Parliament and of the Council of 14 June 2006 relating to the taking up and pursuit of the business of credit institutions (recast)
ОВ L 177, 30.
OJ L 177, 30.6.2006, p.
- като взе предвид Директива 2007/64/ЕО на Европейския парламент и на Съвета от 13 ноември 2004 г. относно платежните услуги на вътрешния пазар
- having regard to the Directive 2007/64/EC of the European Parliament and of the Council of 13 November 2007 on payment services in the internal market
- като взе предвид позицията си приета на второ четене на 16 януари 2008 г. с оглед приемането на директива на Европейския парламент и на Съвета относно договорите за потребителски кредити и отменяща Директива 80/102/ЕИО
- having regard to its position adopted at second reading on 16 January 2008 with a view to the adoption of a directive of the European Parliament and of the Council on credit agreements for consumers and repealing Council Directive 80/102/EEC
- като взе предвид резолюцията си от 11 юли 2007 г. относно бялата книга на Комисията относно политиката в областта на финансовите услуги през периода 2005 - 2010 г.
- having regard to its resolution of 11 July 2007 on the White paper on financial services policy 2005 - 2010
Приети текстове, P6_TA(2007)0338 . ,
Texts Adopted, P6_TA(2007)0338 . ,
- като взе предвид резолюцията си от 4 юли 2006 г. относно консолидацията в сектора на финансовите услуги в Европа
- having regard to its resolution of 4 July 2006 on Consolidation in the European financial services industry
Приети текстове, P6_TA(2006)0294 . ,
Texts Adopted, P6_TA(2006)0294 . ,
– като взе предвид доклада на комисията по икономически и парични въпроси ( A6-0185/2008 ),
– having regard to the report of the Committee on Economic and Monetary Affairs ( A6‑0185/2008 ),
А. като има предвид, че наличието на добре функциониращ интегриран финансов пазар е необходимо условие за постигането на целите на Лисабонската програма за превръщане на Европейския съюз в най-конкурентоспособната и динамична, основана на знанията икономика в света, способна да поддържа устойчив икономически растеж с повече и по-добри работни места,
A. whereas a well-functioning integrated financial market is a necessary precondition for the achievement of the Lisbon agenda in order to provide the European Union with the most competitive and dynamic knowledge-based economy in the world, capable of sustainable economic growth with more and better jobs,
Б. като има предвид съществената роля, която банките за операции на дребно играят за предаване на условията на паричната политика на пазара и по-специално на малките и средни предприятия (МСП) и на потребителите,
B. considering the essential role played by retail banks in passing on, as appropriate, monetary policy conditions to the market, particularly to small and medium-sized enterprises (SMEs) and consumers,
В. като има предвид, че за да бъде осъществен планът за действие в областта на финансовите услуги и за да могат потребителите и доставчиците на финансови услуги на дребно да извлекат максимална полза от него, е необходимо да се подобрят на финансовите услуги на дребно,
C. whereas in order to complete the Financial Services Action Plan and deliver its full benefits to consumers and retailers, there is a need to improve retail financial services,
Г. като има предвид, че достъпът до основни банкови услуги, като откриването на банкова сметка, е право на всеки гражданин,
D. whereas access to basic banking services, such as opening a bank account, is a right for every citizen,
Д. като има предвид важността на сектора на банковите услуги на дребно за икономиката на ЕС от гледна точка на икономическия растеж и заетостта, както и важността му за потребителите и за малките и средните предприятия,
E. considering the importance of the retail banking sector for the EU economy in terms of growth and employment and its importance for consumers and SMEs,
Е. като има предвид трудностите, свързани с хармонизирането в областта на политиката за защита на потребителите в Европейския съюз и присъщата сложност на финансовите продукти,
F. considering the difficulties relating to the harmonisation of consumer policy in the European Union and the inherent complexity of financial products,
Ж. като има предвид важността на политиката на конкуренция на ЕС за окончателното изграждане на вътрешния пазар и за доброто функциониране на принципа на реална равнопоставеност на всички участници,
G. considering the importance of EU competition policy for the completion of the internal market and the good functioning of a real level playing field for all actors,
З. като има предвид, че разнообразието на правните модели и стопанските цели на финансовите юридически лица в сектора на банковите услуги (банки, спестовни и кооперативни банки и т.н.) е основен актив на икономиката на ЕС, който обогатява сектора, съответства на плуралистичната структура на пазара и спомага за засилването на конкуренцията на вътрешния пазар,
H. Whereas the diversity of legal models and business objectives of the financial entities in the retail banking sector (banks, savings banks, cooperatives, etc) is a fundamental asset to the EU's economy which enriches the sector, corresponds to the pluralist structure of the market and helps to increase competition in the internal market,
И. като има предвид необходимостта да се балансира високото равнище на защита на потребителите с правилното функциониране на вътрешния пазар,
I. considering the need to balance a high degree of consumer protection with the proper functioning of the internal market,
1. подкрепя интегрирания подход на Комисията, обхващащ подкрепа на политиките в областта на вътрешния пазар с целесъобразни секторни проучвания; изразява обаче загриженост относно момента на провеждане на това секторно проучване и относно факта, че не е проверено по какъв начин условията на паричната политика се предават на пазара на дребно и приканва Комисията да продължи работата си, след като се проявят на практика резултатите от Директивата относно капиталовата адекватност, Единната европейска платежна зона, директивите относно платежните услуги и Директивата относно потребителските кредити;
Supports the integrated approach of the Commission, which comprises supporting internal market policies with well-targeted sector inquiries; regrets, nevertheless, the timing of the sector inquiry and the fact that there has been no examination of how monetary policy conditions are passed on to the retail market and encourages the Commission to follow up its work once the Capital Adequacy, the Single European Payment Area (SEPA), the Payment Services Directives and the Consumer Credit Directive will have demonstrated their effects in practice;
4. изтъква, че твърде фрагментираната регулаторна рамка представлява пречка за развитието на трансграничните доставки на банкови услуги; поради това подкрепя инициативата на Комисията да открие отново обсъждането на Директива 2002/65/EО на Европейския парламент и на Съвета от 23 септември 2002 г. относно дистанционна търговия на потребителски финансови услуги
Points out that a highly fragmented regulatory framework is an impediment to the development of the cross-border supply of banking services; supports, therefore, the Commission initiative to reopen consideration of Directive 2002/65/EC of the European Parliament and of the Council of 23 September 2002 concerning the distance marketing of consumer financial services
Директива 2000/31/EО на Европейския парламент и на Съвета от 8 юни 2000 г. относно някои правни аспекти за услугите на информационното общество, по-специално за електронната търговия на вътрешния пазар (Директива относно електронната търговия) (ОВ L 178, 17.7.2000 г., стр. 1) и електронните подписи
Directive 2000/31/EC of the European Parliament and of the Council of 8 June 2000 on certain legal aspects of information society services, in particular electronic commerce, in the Internal Market (Directive on electronic commerce) (OJ L 178, 17.7.2000, p.
6. отправя искане към Комисията да работи по улесняването на мобилността на потребителите и да наблюдава напредъка на държавите-членки в улесняването на потребителите с цел последните да имат възможност по-лесно да сменят банковия оператор, като по този начин да се засили здравословната конкуренция между банковите оператори; би искал да види във възможно най-голяма степен непрекъснатост на услугите дори при закриване на съществуваща сметка или смяна на доставчика, както и да се избягва скъпо струващо дублиране на услуги;
Requests the Commission to work towards facilitating consumer mobility and to monitor Member States' progress in allowing consumers more easily to change provider, thus reinforcing healthy competition between providers; would like to see, to the greatest extent possible, no disruption of service even when closing a current account or changing provider and to avoid any costly duplication of services;
10. счита, че достъпа до основни финансови услуги, като откриването на банкова сметка, е право и призовава Комисията да открие пречките за упражняването на това право, както и в тази връзка най-добрите практики в сектора на финансовите услуги на дребно;
Considers that access to basic financial services, such as opening a bank account, is a right and calls on the Commission to identify the obstacles to the exercise of that right and the best practices followed in the retail financial sector in that respect;
Информация и прозрачност
Information and transparency
Образоване на потребителите във връзка с банкирането на дребно
Consumer education relating to retail banking
Кредити - регистри и посредници
Credits - registers and intermediaries
Сътрудничество между банките
Cooperation between banks
27. призовава Комисията да изследва дали въвеждането на директивата относно платежните услуги намалява броя на доставчиците на платежни услуги и да предприеме незабавни стъпки ако големи доставчици придобият монополна позиция, която може да намали конкуренцията;
Calls on the Commission to investigate whether the transposition of the Payment Services Directive is reducing the number of providers of payment settlement services and to take immediate steps if major providers develop a monopoly position that could reduce competition;
General considerations
General considerations
It is to be welcomed that the Commission, in its sector inquiry, has focused its attention on the level of efficiency and functioning of a sector such as retail banking, which is particularly sensitive since it is targeted at families and small and medium-sized enterprises, and because it is still today the most important banking sub-sector, accounting for over 50% of total EU activity in terms of gross income.
It is to be welcomed that the Commission, in its sector inquiry, has focused its attention on the level of efficiency and functioning of a sector such as retail banking, which is particularly sensitive since it is targeted at families and small and medium-sized enterprises, and because it is still today the most important banking sub-sector, accounting for over 50% of total EU activity in terms of gross income.
The Commission inquiry may be questionable in terms of some of the methodological options it adopts in comparing various market realities and national systems, but it paints a very accurate and realistic picture, clarifying how the market operates, noting its main defects and considering how to remedy them through the competition rules.
The Commission inquiry may be questionable in terms of some of the methodological options it adopts in comparing various market realities and national systems, but it paints a very accurate and realistic picture, clarifying how the market operates, noting its main defects and considering how to remedy them through the competition rules.
The sector inquiry noted some concerns, fully shared by your rapporteur, with regard to competition in the payment systems industry, especially card payment systems, to credit registers and, above all, to the setting of prices and policies by bank operators.
The sector inquiry noted some concerns, fully shared by your rapporteur, with regard to competition in the payment systems industry, especially card payment systems, to credit registers and, above all, to the setting of prices and policies by bank operators.
As regards the activities of cooperative and savings banks, the Commission underestimates some of the typical features of such banks, such as their presence in areas considered to be outlying, the degree to which they are rooted in the territory and their social role.
As regards the activities of cooperative and savings banks, the Commission underestimates some of the typical features of such banks, such as their presence in areas considered to be outlying, the degree to which they are rooted in the territory and their social role.
It has to be said that the latter features are particularly important also in terms of the efficiency of the services.
It has to be said that the latter features are particularly important also in terms of the efficiency of the services.
The conclusions of the sector inquiry clearly show the need to create a more competitive environment among service providers, especially those operating on the retail markets, and it is by attaining these objectives that European consumers will be able to benefit fully from the internal market.
The conclusions of the sector inquiry clearly show the need to create a more competitive environment among service providers, especially those operating on the retail markets, and it is by attaining these objectives that European consumers will be able to benefit fully from the internal market.
Your rapporteur believes that simple self-regulatory measures for the banking industry are an inadequate tool for improving the efficiency of retail services.
Your rapporteur believes that simple self-regulatory measures for the banking industry are an inadequate tool for improving the efficiency of retail services.
That is why a European legislative initiative would be desirable, to ensure market efficiency and give consumers better bargains.
That is why a European legislative initiative would be desirable, to ensure market efficiency and give consumers better bargains.
The Commission should therefore adopt the appropriate measures, both by enforcing competition law and by taking policy initiatives.
The Commission should therefore adopt the appropriate measures, both by enforcing competition law and by taking policy initiatives.
1. - Banking services
1. - Banking services
Banking services are a special case in that the relationship of trust between banks and their customers can weaken the consumer’s drive to trigger competition mechanisms; it also increases companies’ market power, which, in some cases, determines higher prices.
Banking services are a special case in that the relationship of trust between banks and their customers can weaken the consumer’s drive to trigger competition mechanisms; it also increases companies’ market power, which, in some cases, determines higher prices.
The problem is that, in exploiting this position, the banks can take commercial measures which make it expensive for clients to end their relationship with the bank or which impede the client’s ability to understand and compare the features and prices of the services offered on the market.
The problem is that, in exploiting this position, the banks can take commercial measures which make it expensive for clients to end their relationship with the bank or which impede the client’s ability to understand and compare the features and prices of the services offered on the market.
The fact that in this same market there are a host of current-account holders who have hardly any information, or none at all, appears to have allowed the banking industry, in some countries, to take advantage of this information asymmetry.
The fact that in this same market there are a host of current-account holders who have hardly any information, or none at all, appears to have allowed the banking industry, in some countries, to take advantage of this information asymmetry.
That is why it is clearly important to work at European level with a view to stepping up financial literacy initiatives.
That is why it is clearly important to work at European level with a view to stepping up financial literacy initiatives.
It is also through financial literacy schemes and greater transparency that demand can become more mobile, thereby altering the current balance between supply and demand which is a typical feature of the banking services market.
It is also through financial literacy schemes and greater transparency that demand can become more mobile, thereby altering the current balance between supply and demand which is a typical feature of the banking services market.
In this regard your rapporteur supports the action being taken by the Commission on financial education, through its publication of Communication COM (2007) 0808 of 18 December 2007.
In this regard your rapporteur supports the action being taken by the Commission on financial education, through its publication of Communication COM (2007) 0808 of 18 December 2007.
It is important that consumers who wish to change supplier are not discouraged or hampered in any way from doing so.
It is important that consumers who wish to change supplier are not discouraged or hampered in any way from doing so.
A market in which consumers are informed and mobile means that financial establishments need to compete in order to attract and retain them.
A market in which consumers are informed and mobile means that financial establishments need to compete in order to attract and retain them.
1(a) - Tying policies
1(a) - Tying policies
The use of current accounts by banks as a strategic tool for building a relationship with the account-holder, based on numerous other services, often proves to be a practice which is not conducive to mobility.
The use of current accounts by banks as a strategic tool for building a relationship with the account-holder, based on numerous other services, often proves to be a practice which is not conducive to mobility.
When many other services are linked to a current account, only in theory can such an account be closed immediately or within a few days, since in actual fact it involves a procedure that is sometimes complex and very lengthy.
When many other services are linked to a current account, only in theory can such an account be closed immediately or within a few days, since in actual fact it involves a procedure that is sometimes complex and very lengthy.
In some EU countries, when a client closes a current account, banks require that direct debit payments for utility bills be cancelled and ATM cards and credit cards returned.
In some EU countries, when a client closes a current account, banks require that direct debit payments for utility bills be cancelled and ATM cards and credit cards returned.