natgillin/translations-raw huggingface dataset:
klasifikované jako ostatní finanční zprostředkovatelé, jsou finanční společnosti, které se specializují převážně na financování aktiv pro domácnosti a nefinanční podniky. Do této kategorie se zahrnují společnosti, které se specializují na finanční leasing, faktoring, hypoteční úvěry a spotřebitelské úvěry. Tyto finanční podniky mohou vykonávat svou činnost v právní formě stavební spořitelny, obecní úvěrové instituce, finanční společnosti zřízené pro držbu sekuritizovaných aktiv atd. Finanční společnosti zřízené pro držbu sekuritizovaných aktiv (financial vehicle corporations – FVCs, also referred to as special purpose vehicles/entities or special financing institutions)
Financial vehicle corporations (FVCs), also referred to as special purpose vehicles/entities or special financing institutions
jsou společnosti vytvořené pro držbu sekuritizovaných aktiv (ESA 95, odst. 2.55 písm. f).
are created to hold securitised assets (ESA 95, paragraph 2.55(f)). Fixed rate issues include all issues where the coupon payment, based on the security principal coupon rate, does not change during the life of the issue. Securities that are not issued at straight fixed or straight variable rates, i.e. mixed rate issues, are also included (e.g. fixed then variable rate issues, variable then fixed rate issues, issues that do not have the same coupon payment over the lifetime of the securities, step-up securities and step-down securities). Flows, also referred to as (financial) transactions
Fondy fondů (funds of funds)
are calculated by taking the difference between end-month stocks and then removing those effects that do not arise from transactions. Non-transaction developments are removed by means of flow adjustments. Funds mean cash, scriptural money and electronic money as referred to in Directive 2000/46/EC. Funds of funds are investment funds primarily investing in investment funds’ shares or units. The criteria for classifying investment funds into funds of funds are derived from the public prospectus, fund rules, instruments of incorporation, established statutes or by-laws, subscription documents or investment contracts, marketing documents, or any other statement with similar effect. They are to be classified in the category of funds in which they primarily invest. General government includes resident units, which are principally engaged in the production of non-market goods and services intended for individual and collective consumption and/or in the redistribution of national income and wealth (ESA 95 paragraphs 2.68-2.70).
jsou investiční fondy, které investují zejména do akcií nebo podílových jednotek investičních fondů.
General government includes the central government, state government, local government and social security funds (ESA 95, paragraphs 2.71-2.74). For further guidance on the sectoral classification, please refer to the Money and Banking Statistics Sector Manual: Guidance for the statistical classification of customers, European Central Bank, second edition, November 1999. General public funds are funds whose units/shares are sold to the public. Global bonds are bonds that are issued simultaneously on the domestic and euro market.
Kritéria pro klasifikaci investičních fondů jako fondů fondů vycházejí z veřejných prospektů, pravidel fondů, zakladatelských dokumentů, stanov, upisovacích dokumentů nebo investičních smluv, marketingových dokumentů či jiných prohlášení s obdobnými účinky.
Hardware-based e-money includes e-money products that provide customers with a portable electronic device, typically an integrated circuit card containing a microprocessor chip (e.g. prepaid cards). Hedge funds shall, for the purpose of this Guideline, mean any collective investment undertakings regardless of its legal structure under national laws, which apply relatively unconstrained investment strategies to achieve positive absolute returns, and whose managers, in addition to management fees, are remunerated in relation to the fund’s performance.
Zařazují se do kategorie fondů, do kterých primárně investují.
For that purpose, hedge funds have few restrictions on the type of financial instruments in which they may invest and may therefore flexibly employ a wide variety of financial techniques, involving leverage, short-selling or any other techniques. This definition also covers funds that invest, in full or in part, in other hedge funds provided that they otherwise meet the definition. These criteria to identify hedge funds must be assessed against the public prospectus as well as fund rules, statutes or by-laws, subscription documents or investment contracts, marketing documents or any other statement with similar effect of the fund. Households
Fondy nemovitostí (real estate funds)
comprise individuals or groups of individuals as consumers and producers of goods and non-financial services exclusively for their own final consumption, and as producers of market goods and non-financial and financial services provided that their activities are not those of quasi-corporations. Included are non-profit institutions which serve households and which are principally engaged in the production of non-market goods and services intended for particular groups of households (ESA 95, paragraphs 2.75-2.88). Insurance companies are defined as undertakings that have received official authorisation in accordance with Article 6 of First Council Directive 73/239/EEC of 24 July 1973 on the coordination of laws, regulations and administrative provisions relating to the taking-up and pursuit of the business of direct insurance other than life assurance or Article 6 of First Council Directive 79/267/EEC of 5 March 1979 on the coordination of laws, regulations and administrative provisions relating to the taking up and pursuit of the business of direct life assurance. The reinsurance business is excluded. Insurance corporations and pension funds comprise non-monetary financial corporations and quasi-corporations principally engaged in financial intermediation as a consequence of the pooling of risks (ESA 95, paragraphs 2.60-2.67). Interbank funds transfer systems (IFTS) are formal arrangements, based on private contract or statutory law, with multiple membership, common rules and standardised arrangements for the transmission and settlement of money obligations arising between members, in which most or all direct participants are credit institutions and which is used primarily to process cashless payments. International institutions comprise supranational and international organisations, such as the European Investment Bank, the IMF and the World Bank. Internet/PC-linked overnight deposits
jsou investiční fondy, které investují zejména do nemovitostí.
are overnight deposit accounts held by non-MFIs that the account holder can access and use electronically via the internet or with PC banking applications via dedicated software and dedicated telecommunication lines (e.g. in order to make credit transfers and pay bills). They often require an extension of the contract, between the account holder and their MFI, to include such services and may also require that the MFI provide the account holder with electronic identifiers (PINs, TANs, etc.). Intraday borrowing from the central bank is the total value of credit extended by the central bank to credit institutions and reimbursed within a period of less than one business day. Investment funds are defined by the first indent of Article 1 of Regulation ECB/2007/8. Issuers of securities are those corporations and quasi-corporations engaged in issuing securities and incurring a legal obligation to the bearers of these instruments in accordance with the terms of the issue. Issue of bonus shares is the remittance of new shares to shareholders in proportion to their existing holdings. Leasing
Kritéria pro klasifikaci investičních fondů jako fondů nemovitostí vycházejí z veřejných prospektů, pravidel fondů, zakladatelských dokumentů, stanov, upisovacích dokumentů nebo investičních smluv, marketingových dokumentů či jiných prohlášení s obdobnými účinky.
is defined for statistical purposes as financial leasing when the leasing period covers all or most of the economic lifetime of the durable good. At the end of the leasing period, the lessee often has the option to buy the good at a nominal price (ESA 95, Annex II). Loans are funds lent by reporting agents to borrowers that are not evidenced by documents or are represented by a single document (even if it has become negotiable). Loan transfer
Fondy peněžního trhu (money market funds – MMFs)
is an operation similar to a securitisation in which MFIs sell loans to investors in a process that does not involve the issue of securities. The economic purpose of this operation and its statistical treatment is, however, in certain respects similar to a securitisation. Long-term debt securities comprise all issues of debt securities with a long-term original maturity of more than one year; long-term securities are generally issued with coupons (see ESA 95 paragraphs 5.60-5.64). This corresponds to the ESA 95 category F.332. M-payment is a payment whereby a mobile phone is used to issue the payment order and possibly transfer the means of payment. Means of payments, also referred to as settlement media are assets or claims on assets that are accepted by the payee as discharging a payment obligation of the payer vis-à-vis the payee. Merchant is a professional, or body representing a group of professionals, authorised to receive funds in exchange for the delivery of goods or services and has established an agreement with a credit institution for accepting such funds (means of payment). A merchant may operate a server (merchant’s server), which may enable a customer to choose a means of payment and which stores the transaction for ultimate compensation. Mixed funds are investment funds investing in both equity and bonds with no prevalent policy in favour of one or the other instrument. The criteria for classifying investment funds into mixed funds are derived from the public prospectus, fund rules, instruments of incorporation, established statutes or by-laws, subscription documents or investment contracts, marketing documents, or any other statement with similar effect. Monetary financial institutions (MFIs) other than central banks
jsou vymezeny v části 1 (I.6) přílohy I nařízení ECB/2001/13 ze dne 22. listopadu 2001 o konsolidované rozvaze sektoru měnových finančních institucí.
are defined by Article 2(1) of Regulation ECB/2001/13 of 22 November 2001 concerning the consolidated balance sheet of the monetary financial institutions sector. Money Market Funds (MMFs)
Fondy sociálního zabezpečení (social security funds)
are defined in Annex I, Part 1 (I.6), of Regulation ECB/2001/13 of 22 November 2001 concerning the consolidated balance sheet of the monetary financial institutions. Money-holding sector includes all non-MFI residents in the euro area, excluding the central government sector. Money order
jsou definovány jako ústřední, národní a místní institucionální jednotky, jejichž hlavní činnost spočívá v poskytování sociálních dávek(ESA 95, odstavec 2.74).
is an instrument, often used by persons who do not have a current account with a financial institution, which is used to remit money to a named payee, to pay bills, or to transfer money to another person or company. Postal orders are money orders in which the drawee is a postal institution.
Fondy zvláštních investorů (special investors funds)
Net asset value (NAV) of an investment fund is the value of its assets minus its liabilities, excluding investment fund shares.
jsou fondy, v nichž jsou podílové jednotky/akcie vyhrazeny pro určité druhy investorů.
Non-financial corporations comprise corporations and quasi-corporations that are primarily engaged in the production of market goods and non-financial services, but are not engaged in financial intermediation (ESA 95, paragraphs 2.21-2.31).
Globální dluhopisy (global bonds)
Non-monetary financial institutions (non-MFIs)
jsou dluhopisy emitované současně na tuzemském trhu a na euro trhu.
are defined in Annex I, Part 3, of Regulation ECB/2001/13 of 22 November 2001 concerning the consolidated balance sheet of the monetary financial institutions. Non-resident issuers comprise units that are: (i) located in the economic territory of the reporting country, but which do not and do not intend to engage in economic activities or transactions for a period of one year or more in the territory of the reporting country; or (ii) located outside the economic territory of the reporting country. Notional resident units are (i) non-resident units which have a centre of economic interest on the economic territory of the country or (ii) non-resident units in their capacity as owners of land or buildings on the economic territory of the country, but only in respect of transactions affecting such land or buildings (ESA 95 paragraph 2.15). Office is a place of business that forms a legally dependent part of (i) a credit institution or a non-EEA-based bank, (ii) a central bank, or (iii) another institution offering payment services to non-MFIs, and directly carries out some or all of the transactions inherent to the credit institutions business.
Hotovostní transakce na přepážce (over-the-counter (OTC) cash transaction)
Open-end investment funds are investment funds the units or shares of which are, at the request of the holders, repurchased or redeemed directly or indirectly out of the undertaking’s assets.
je vklad hotovosti na účet nebo výběr hotovosti z účtu provedený v bance s použitím formuláře banky.
Ordinary revision is the revision of data referring to the period preceding the current one.
Tyto transakce nepředstavují platby v pravém slova smyslu, neboť pouze zahrnují přeměnu peněz vydaných centrální bankou na peníze na bankovním účtu nebo naopak.
Other categories of OFIs is a residual category composed of financial corporations that do not specialise in any of the areas of activity that apply to the other three OFI categories (investment funds, securities and derivatives dealers and financial corporations engaged in lending).
Hotovostní transakce prostřednictvím bankomatu (ATM cash transaction)
For example, financial holding corporations, venture capital companies and development capital companies are included in this category. Other deposits
je výběr hotovosti nebo vklad hotovosti uskutečněný v bankomatu s použitím karty s hotovostní funkcí.
are all holdings in deposits other than transferable deposits. Other deposits cannot be used to make payments at any time and are only convertible into currency or transferable deposits subject to a significant restriction or penalty.
Inkasa (direct debits)
This subcategory includes time deposits, savings deposits, etc. (ESA 95, paragraphs 5.45-5.49). Other equity
jsou platební nástroje povolující odepsání peněžních prostředků z bankovního účtu plátce, které iniciuje příjemce platby na základě oprávnění poskytnutého plátcem.
comprises all transactions in other equity that are not covered by quoted and unquoted shares (ESA 95, paragraphs 5.94-5.95). Other financial intermediaries (OFIs) are non-monetary financial corporations and quasi-corporations (excluding insurance corporations and pension funds) principally engaged in financial intermediation by incurring liabilities in forms other than currency, deposits and/or close substitutes for deposits from institutional units other than MFIs (ESA 95, paragraphs 2.53-2.56). Other funds
Instituce elektronických peněz (e-money institution)
are investment funds other than bond funds, equity funds, mixed funds, real estate funds or hedge funds. Overnight deposits
je podnik nebo jakákoli právnická osoba jiná než úvěrová instituce vymezená v čl. 4 bodu 1 písm. a) směrnice 2006/48/ES, která vydává platební prostředky v podobě elektronických peněz.
are deposits that are convertible into currency and/or are transferable on demand by cheque, banker’s order, debit entry or similar means, without significant delay, restriction or penalty. Balances representing prepaid amounts in the context of e-money, either in the form of hardware-based e-money (e.g. prepaid cards) or software-based e-money issued by MFIs, are included.
Instituce jiné než měnové finanční instituce (non-monetary financial institutions – non-MFIs)
Non-transferable deposits, which are technically withdrawable on demand but which are subject to significant penalties, are excluded. Over-the-counter (OTC) cash transaction
jsou vymezeny v části 3 přílohy I nařízení ECB/2001/13 ze dne 22. listopadu 2001 o konsolidované rozvaze sektoru měnových finančních institucí.
is a cash deposit to or cash withdrawal from an account at a bank using a bank form. These transactions do not represent payments in the strict sense since they comprise only a change from the central bank money to the bank account money or vice versa. Participant
Investiční fondy (investment funds)
is an entity identified/recognised by the transfer system and which is allowed to send/and capable of receiving transfer orders to/from the system, either directly or indirectly.
jsou definovány v čl. 1 první odrážce nařízení ECB/2007/8.
Payment instrument is a tool or a set of procedures enabling the transfer of funds from the payer to the payee.
Jednodenní vklady (overnight deposits)
Payment order is any instruction by a payer or payee to his payment service provider requesting the execution of a payment transaction.
jsou vklady, které jsou přeměnitelné na peníze a/nebo jsou na požádání převoditelné šekem, bankovním příkazem, odpisem z účtu nebo podobným způsobem bez výrazného zpoždění, omezení nebo sankce.
Payment service is a business activity consisting in the execution of payment transactions on behalf of a natural or legal person, where at least one of the payment service providers is located in the European Community.
Do této položky jsou zahrnuty zůstatky, které představují předplacené částky v rámci elektronických peněz emitovaných měnovými finančními institucemi, a to buď ve formě elektronických peněz založených na technickém vybavení (např. předplacené karty), nebo elektronických peněz založených na programovém vybavení.
For the purposes of payments statistics, a payment service is understood as the acceptance by an entity (e.g. a credit institution) of a payment transaction for further execution (which may be the task of another entity) by way of cashless clearing and/or settlement. Payment service is not linked to providing technical infrastructure (e.g. telecommunication or payment terminals installed at retailers) or to providing the settlement (e.g. payment system).
Z této položky jsou vyloučeny nepřevoditelné vklady, které lze sice na požádání vybrat, ale jsou s tím spojeny výrazné sankce.
Payment service provider is a natural or legal person whose regular occupation or business activity includes the provision of payment services to payment service users.
Jednodenní vklady dostupné prostřednictvím Internetu/PC (internet/PC-linked overnight deposits)
Payment service user is a natural or legal person that makes use of a payment service as payer and/or payee.
jsou účty s jednodenními vklady vedené institucemi jinými než měnové finanční instituce, k nimž má majitel účtu přístup a může je používat elektronickou cestou prostřednictvím internetu nebo pomocí počítačových bankovních aplikací s použitím speciálního softwaru a vyhrazeného telekomunikačního spojení (např. pro provádění úhrad a placení účtů).
The payer is the party in a payment transaction issuing the payment order or agreeing to the transfer of funds to a payee. The payee or beneficiary is a natural or legal person that is the intended final recipient of funds, which are the subject of a payment transaction. Payment transaction
Aby tyto služby mohly být zahrnuty, je často zapotřebí rozšíření smlouvy mezi majitelem účtu a příslušnou měnovou finanční institucí, a může to též vyžadovat, aby měnová finanční instituce poskytla majiteli účtu elektronické identifikační kódy (PIN, TAN atd.).
is an act, initiated by the payer or payee, of depositing, withdrawing or transferring funds from a payer to a payee, irrespective of any underlying obligations between payment service users. See also funds and means of payment.
Karty (cards)
Point of sale (POS) terminals
jsou pro účely statistiky plateb zařízení z plastu, jež mohou jejich držitelé používat buď k zaplacení za zboží a služby, nebo k výběru peněz.
are devices allowing the use of payment cards at a physical rather than virtual point of sale. A point of sale (POS) means the provision of goods and services at attended or unattended terminals. POS transaction is a transaction performed through a POS terminal using a card with a debit, credit or delayed debit function. Private placements refer to the sale of an issue of equity securities to a single buyer or to a limited number of buyers without a public offering. Privately issued bonds are bonds restricted by bilateral agreement to certain investors, if the bonds are at least potentially transferable.
Kótované akcie kromě akcií/podílových jednotek investičních fondů (quoted shares, also referred to as listed shares, excluding investment fund’s shares/units)
Quoted shares, also referred to as listed shares, excluding investment fund’s shares/units are all shares with prices quoted on a recognised stock exchange or other form of regulated market (ESA 95, paragraphs 5.88-5.93). Quoted shares are valued and reported at market values.
jsou všechny akcie, jejichž kurzy jsou kótovány na uznávané burze cenných papírů nebo jiné formě regulovaného trhu (ESA 95, odstavce 5.88–5.93).
This corresponds to the ESA 95 category F.511. Real estate funds
Kótované akcie se oceňují a vykazují v tržních cenách.
are investment funds primarily investing in real estate. The criteria for classifying investment funds into real estate funds are derived from the public prospectus, fund rules, instruments of incorporation, established statutes or by-laws, subscription documents or investment contracts, marketing documents, or any other statement with similar effect. Redeemed shares in limited liability companies are shares whose capital has been repaid but which are retained by the holders who continue to be joint owners and to be entitled to a share in the profits left after dividends have been paid on the remaining registered capital and also to a share in any surplus which may be left on liquidation. Residency of issuer
To odpovídá kategorii F.511 v ESA 95.
the issuing unit is defined as a resident of the reporting country when it has a centre of economic interest in the economic territory of the reporting country, that is, when it engages for an extended period (one year or more) in economic activities in this territory (ESA 95, paragraph 1.30).
Krátkodobé dluhové cenné papíry (short-term debt securities)
Securitisation is a process whereby finance can be raised from external investors by enabling them to invest in parcels of specific financial assets. This operation consists of the MFI either selling loans to an intermediary and the subsequent or simultaneous issue of securities by that intermediary backed by the loans, or acquiring securities issued by the debtor as a replacement for a loan (without involving any intermediary). Both types of operations give rise to the same result in the MFI balance sheet. Security and derivative dealers (SDDs) classified as OFIs, are financial corporations principally engaged in the following financial intermediation activities: (i) trading of securities on their own account, through the acquisition and sale of those securities for the account and risk of an intermediary, for the exclusive purpose of benefiting from the margin between the acquisition and selling price; and (ii) trading on their own account, through a financial intermediary authorised to operate on the stock market, or on other organised markets. Settlement media, also referred to as means of payment means assets or claims on assets, which are used for payments. Shares