natgillin/translations-raw huggingface dataset:
der henviser til, at Kommissionen med hensyn til den anden søjle indtager den holding, at tilsynsmyndigheder må have beføjelse til at kræve, at individuelle institutters kapital skal overstige det grundlæggende minimumskrav, og institutter skal have en strategi til opretholdelse af kapitalgrundlaget,
whereas with regard to the second pillar, the Commission takes the view that supervisory authorities must have the power to require individual institutions to hold capital in excess of the basic minimum requirement, and institutions must have in place a strategy for maintaining capital adequacy,
der henviser til, at Kommissionen med hensyn til den tredje søjle gør gældende, at offentliggørelse i rimelig udstrækning af informationer gør det muligt for markedsdeltagere at foretage en bedre bedømmelse af et instituts præstation, hvilket medfører bedre markedsdisciplin,
whereas with regard to the third pillar, the Commission argues that appropriate levels of information disclosure enable market participants to make a better judgement of an institution's performance, which leads to better market discipline,
der henviser til, at Kommissionens høringsdokument næsten udelukkende er koncentreret om banker, mens investeringsselskaber kun er nævnt til sidst; denne holdning er overraskende, da tusinder af investeringsselskaber og formueforvaltere er omfattet af EU's bestemmelser om kapitalgrundlag; det er af afgørende betydning, at der ved revisionen af kapitalgrundlaget tages hensyn til karakteristika og behov i forbindelse med ikke-banker, såsom investeringsselskaber og formueforvaltere,
whereas the Commission's consultation document concentrates almost entirely on banks, with investment firms mentioned only as an afterthought; this attitude is surprising, given that thousands of investment firms and asset managers are covered by EU capital adequacy rules; it is vital that the characteristics and requirements of non-banks, such as investment firms and asset managers, are taken into account in the review of capital adequacy,
der henviser til, at små og mellemstore virksomheder (SMV), hvis finansiering for en meget betragtelig del afhænger af bankfinansiering, er foruroliget over følgerne af vedtagelsen af nye bestemmelser om kapitalgrundlag for SMV'ers mulighed for at opnå lån som følge af eventuelt højere kapitaludgifter for foretagender med større risiko; de frygter, at de kun vurderes som risikofyldte, fordi de ikke råder over en ekstern rating; omfattende brug af intern rating er den vigtigste måde til at sikre, at SMV kan drage fordel af en mere risikoafvejet ramme, da ekstern rating af disse virksomheder er højst usandsynlig,
whereas there are concerns among small and medium-sized enterprises (SMEs), which are reliant on bank finance for a very significant proportion of their financing, about the effect of the adoption of new capital adequacy rules on the ability of SMEs to obtain loan finance due to potentially increased capital charges for higher risk ventures; they fear that they are only considered risky because they have no external rating; the widespread use of internal ratings is the main practical way to ensure that SMEs can obtain the benefit of a more risk-sensitive framework, since such enterprises are highly unlikely to be externally rated,
der henviser til, at den europæiske sektor for finansielle tjenesteydelser er fundamentalt forskellig fra den, der findes i De Forenede Stater, hvor gældende ikke-konkurrencemæssig praksis (f.eks. statsgarantier til statsstøttede virksomheder, der muliggør lavere etableringsomkostninger) skader europæiske kreditinstitutter i deres bestræbelser for at få adgang til globale kapitalmarkeder,
whereas the European Financial Services industry is fundamentally different from that of the United States, where existing non-competitive practices (i.e. government guarantees to government sponsored enterprises allowing lower funding costs) put European credit institutions at a disadvantage in their effort to access global capital markets,
der henviser til, at det er den europæiske sektor for finansielle tjenesteydelser magtpåliggende at sikre, at Den Europæiske Union gennemfører de lovgivningsændringer, der kræves af en revideret kapitalaftale, inden for samme tidsramme som De Forenede Stater for at sikre overensstemmende regler og undgå konkurrencemæssige ulemper for EU,
whereas the European financial services industry is concerned to ensure that the European Union should implement legislative changes required by a revised Capital Accord on a similar time-scale to the United States, in order to ensure consistent rules and avoid placing the EU at a competitive disadvantage,
der henviser til, da bestemmelser om kapitalgrundlag indebærer betragtelige omkostninger for banker og investeringsselskaber, at EU ved overgangen til en mere kompleks og risikoafvejet ramme bør gøre alt for at sikre, at bestemmelserne er så simple som muligt for banker og selskaber at gennemføre og benytte, og at der ikke pålægges udgiftsbyrder, medmindre det virkelig er nødvendigt for at opnå det dobbelte mål: beskyttelse af opsparing og/eller øget systemsikkerhed,
whereas capital adequacy rules impose significant costs on banks and investment firms and, in moving to a more complex and risk sensitive framework, the EU should make every effort to ensure that the rules are as simple as possible for banks and firms to implement and operate and that cost burdens are not imposed unless they are genuinely necessary in order to achieve the twin goals of depositor protection and/or enhanced systemic stability,
der henviser til, at Kommissionens høringsdokument giver Parlamentet en ideel mulighed for grundigt at drøfte principper og spørgsmål i forbindelse med revisionen af den lovmæssige kapital, mens Basel-processen stadig er i gang, således at gennemførelseslovgivningen, når den offentliggøres, kan vedtages i god tid,
whereas the Commission consultation offers the Parliament an ideal opportunity to debate thoroughly the principles and issues of the regulatory capital review while the Basel process is still ongoing, so that the implementing legislation when it is published can be adopted in good time,
mener, at gennemførelsen af egenkapitaldirektivet generelt er tilfredsstillende; henstiller til Kommissionen i lyset af resultaterne af Basel-revisionen at fremsætte forslag til en fortolkende meddelelse eller et ændret direktiv, hvori der tages hensyn til udviklingen af nye og mere omkostningseffektive kapitalinstrumenter og sikres overensstemmelse mellem de definitioner på egenkapital, der bruges i EU og internationalt;
Believes that the implementation of the own funds Directive has been broadly satisfactory; calls on the Commission to bring forward, in light of the results of the Basel review, proposals for an interpretative communication or a revised directive taking into account the development of new and more cost-effective capital instruments and ensuring consistency between the definitions of own funds used in the EU and internationally;
mener, at EU's bestemmelser om kapitalgrundlag bør ændres, således at kapitaludgifter i højere grad afvejes efter risikoen; understreger, at Basel-forslagene kun er udformet med henblik på store internationalt aktive banker, hvorimod EU har en uensartet bank- og investeringssektor, og de nye bestemmelser bør genspejle dette; glæder sig over Kommissionens anerkendelse heraf, idet den overvejer, at intern rating i overensstemmelse med Basel-drøftelserne skal spille en mere omfattende rolle end fastsat i Basel-høringsdokumentet;
Believes that the EU's capital adequacy rules should be amended to match capital charges more closely with risk; points out that while the Basel proposals are designed only for large, internationally active banks, the EU has a diverse banking and investment sector, and the new rules should reflect this; welcomes the Commission's recognition of this in contemplating, in line with the Basel discussions, a more extensive role for internal ratings than foreseen in the Basel consultative paper;
henstiller til Kommissionen at gøre intern rating til kernen i den nye ramme for lovmæssig kapital og sikre, at intern rating kan benyttes i størst mulig udstrækning, og at de relevante minimumskriterier for anerkendelse af en intern rating også kan opfyldes af mindre institutter for på denne måde at undgå, at store sofistikerede banker får en uretfærdig konkurrencefordel under forudsætning af, at de involverede institutter opfylder de fornødne normer; disse normer bør omfatte sund, objektiv og transparent vurdering af sandsynligheden af misligholdelse af lånet og tab for långiver og bør være let sammenlignelige i alle medlemsstater, således at intet banksystem har en kunstig lovmæssig fordel frem for andre;
Urges the Commission to make internal ratings the centrepiece of the new regulatory capital framework and to ensure that internal ratings can be used as widely as possible, and that the relevant minimum criteria for recognition of an internal rating can also be met by smaller institutions, in order to avoid, in this way, giving an undue competitive advantage to large sophisticated banks, provided that the institutions concerned meet the required standards; these standards should require sound, objective and transparent assessments of the probability of a loan default and loss to the lender, and should be easy to compare across all Member States, so that no banking system has an artificial regulatory advantage over another;
kræver på grund af den store forskelligartethed inden for bank- og investeringssektoren i Den Europæiske Union, at Kommissionen fremsætter lovgivningsmæssige forslag, således at Basel-aftalen gennemføres i national lovgivning på en sådan måde, at der tages behørigt hensyn til de særlige krav i de forskellige EU-medlemsstater; konstaterer, at mens Basel-aftalen i første række skulle gælde for de store internationalt aktive banker, gælder EU-bestemmelserne om lovmæssig egenkapital for et meget bredere spektrum af bank-, kredit- og investeringsinstitutter; kræver, at der tages særligt hensyn til denne forskelligartethed i de nye EU-bestemmelser;
Calls on the Commission, in view of the diversity of the banking and investment sector in the European Union, to bring forward legislative proposals transposing the Basel Accord in a way that faithfully reflects the particular requirements of the EU Member States as a whole; notes that while the Basel Accord was primarily designed to apply to large international banks, EU rules on regulatory own funds apply to a much wider range of banking, credit and investment institutions, and calls for this diversity to be given priority attention in the new EU rules;
opfordrer Kommissionen til at sikre, at både eksterne og interne ratingordninger anerkendes og tillades af banktilsynet, og at der ikke sker nogen forskelsbehandling;
Calls on the Commission to ensure that both external and internal ratings systems are recognised as well as authorised by the banking supervisory authorities, and that no discrimination occurs between them;
kræver, at de nye bestemmelser indeholder tydelige retningslinjer for banker, så de kan gå over til intern rating, efterhånden som de udvikler hensigtsmæssige systemer, og de kan bruge intern rating på dele af deres låneporteføjler og den ændrede standardstrategi på de resterende; opfordrer endvidere Kommissionen og medlemsstaterne til at nå til enighed om en tilstrækkelig lang overgangsperiode i Basel-udvalget for at gøre det muligt for så mange banker som muligt at indføre de systemer, der er påkrævet til intern rating;
Demands that the new rules provide a clear road map for banks enabling them to move gradually towards internal ratings as they develop the appropriate systems, enabling them to adopt internal ratings for parts of their loan portfolios and the modified standard approach for the remainder; further calls on the Commission and Member States to seek agreement on a sufficiently long transitional period in the Basel Committee to allow as wide a range as possible of banks to put in place the systems required for an internal ratings approach;
er af den opfattelse, at det bør muliggøres for decentrale sektorer, som f.eks. sammensluttede eller kooperative banker, at lade et centralt organ udarbejde et passende system i overensstemmelse med de fornødne kriterier, der så kan anvendes af enhver bank inden for denne sektor;
Takes the view that decentralised sectors, such as federated or cooperative banks,should be allowed to have an appropriate system which fulfils the criteria called for developed by a central body, so that it can be used by every bank in that sector;
understreger, at der stadig skal gøres en indsats for at udtænke objektive kriterier for institutters brug af intern rating og metoden med at forbinde den med kapitaludgifter; håber, at man vil anerkende muligheden for at nedbringe risikoen ved at vurdere lån i deres kontekst som del af en portefølje; foreslår en bred strategi for intern rating, der gør det muligt at anerkende en række interne ratingsystemer af mere eller mindre sofistikeret beskaffenhed;
Emphasises the need for further work on devising objective criteria for the use of internal ratings by institutions and the method of linking them to capital charges; hopes that the risk reduction potential of assessing loans in their context as part of a portfolio will be acknowledged; suggests a spectrum approach to internal ratings, allowing the recognition of a range of internal ratings systems with different degrees of sophistication;
henstiller til Kommissionen at anerkende særlige karakteristika for detaillåneporteføljer; bemærker, at det i vid udstrækning er lykkedes for banksektoren at forvalte detaillåneporteføljer, og at den råder over omfattende og sofistikerede data over sandsynligheden for misligholdelse og tabsraten for sådanne porteføljer; henstiller til både Basel-udvalget og Kommissionen at tage højde for dette positive resultat og de omfattende data, når de udarbejder nye bestemmelser, og at tage behørigt hensyn til muligheden for at reducere risikoen ved en egentlig og forsigtig forvaltning af en portefølje af tilsvarende små detaillån; Kommissionen og Basel-udvalget bør navnlig overveje, hvorvidt banker efter de nye bestemmelser bør have mulighed for at fastsætte en generel intern rating for en portefølje og ikke for de enkelte lån i denne;
Urges the Commission to recognise the special characteristics of retail portfolios of loans; notes that the banking sector has been considerably successful in managing retail portfolios and has extensive and sophisticated data, both on default probabilities, and on loss rates for such portfolios; urges both the Basel Committee and the Commission, in formulating the new rules, to take account of this successful record and extensive data and to give due recognition to the potential to reduce risk by proper and prudent management of a portfolio of similar small retail loans; in particular, the Commission and the Basel Committee should consider whether banks should be permitted, by the new rules, to set an overall internal rating for a portfolio instead of for each individual loan within it;
opfordrer til, at der gøres alt for at sikre, at håndhævelsen og gennemførelsen af reglerne om intern rating er så ensartede som muligt i hele EU, idet fleksibilitet i begrænset udstrækning er tilladt af hensyn til særlige lokale vilkår og markedspraksis;
Calls for every effort to made to ensure that the enforcement and implementation of the rules on internal ratings are as consistent as possible throughout the EU, whilst allowing a limited degree of flexibility to take account of particular local conditions and market practice;
bemærker, at selv om metoder til vurdering af kreditrisikoen for hele porteføljen for øjeblikket befinder sig på et for tidligt udviklingsstade til brug i intern rating, bør Kommissionen og Basel-udvalget holde øje med dem med henblik på at vedtage sådanne metoder fremover;
Observes that, while methods of full portfolio credit risk modelling are currently at too early a stage of development for use in internal ratings, the Commission and the Basel Committee should keep them under review with a view to adopting such methods in future;
bemærker, at det er nødvendigt med en alternativ ændret standardstrategi, da det aldrig bliver muligt for alle banker at bruge intern rating, og at Kommissionen foreslår, at man bruger eksterne ratingfirmaers vurderinger til forbedring af standardstrategien; er af den opfattelse, at eftersom ekstern rating er forholdsvis usædvanlig for ikke-finansielle selskaber i Europa og kan være bekostelig for SMV, bør brugen heraf begrænses i videst mulig udstrækning;
Observes that since it will never be possible for all banks to use internal ratings, an alternative modified standardised approach is necessary, and that the Commission proposes to use the assessments of external rating agencies to refine the standardised approach; takes the view that since external ratings are comparatively unusual for non-financial companies in Europe, and can be costly for SMEs, their use should be as limited as possible;
bemærker, at der i visse medlemsstater findes kreditregistre, og forventer, at sådanne registre kommer til at spille en rolle i forbindelse med det nye egenkapitaltiltag;
Notes the existence of credit registers in some Member States and anticipates that such registers should play a role in the new capital adequacy framework;
mener, at risikokategoriernes omfang ved standardmetoden skal udvides, og går forsigtigt ind for den eksterne ratings begrænsede rolle, som Kommissionen foreslår; henstiller dog på baggrund af forbeholdene over for ekstern rating, at Kommissionen, Basel-udvalget og banksektoren udforsker alternative, yderligere måder, hvorpå der kan udvikles et mere gradueret system for risikokategorier for denne standardstrategi; er af den opfattelse, at denne generelle ramme bør være dynamisk og fleksibel og navnlig tage hensyn til alle de yderligere garantier, der kan tilbydes af SMV på jagt efter finansiering; mener desuden, at en yderligere forfinelse af standardproceduren under alle omstændigheder bør indgå i en ny ramme for lovmæsssig kapital, som også garanterer en reel og gennemførlig mulighed for, at et bredt udsnit af såvel store som små kreditinstitutter anvender intern rating, så længe de objektive normer og tilsynsreglerne overholdes;
Believes that the range of risk buckets in a standardised approach needs to be extended, and cautiously accepts the limited role for external ratings proposed by the Commission; however, in view of the concerns regarding external ratings, urges the Commission, the Basel Committee and the banking industry to explore alternative additional ways in which a more graduated system of risk buckets can be developed for this standardised approach; this general framework should be dynamic and flexible and take account inter alia of the additional guarantees that can be offered by SMEs seeking financing; at any event, a further refinement of the standard approach should form part of a new regulatory capital framework which also guarantees the real and practicable possibility of internal ratings being applied by a significantly wide range of both large and small credit institutions, so long as objective standards and proper prudential safeguards are met;
bemærker, at brugen af ekstern rating til udvidelse af sikkerheden vil kunne gavne virksomheder både med og uden rating; de nye forslag til mindskelse af risikoen vil medføre mindre lovmæssige kapitaludgifter, når virksomheder (med eller uden rating) tilbyder obligationer i selskaber med rating som sikkerhed;
Notes that the use of external ratings in expanding the range of collateral will potentially benefit non-rated as well as rated enterprises; the new risk mitigation proposals will involve reduced regulatory capital charges where businesses (whether rated or not) offer bonds in rated companies as collateral;
understreger betydningen af, at der skabes en ramme for "rating af dem, der foretager ratingen”, idet der fastsættes minimumskriterier for eksterne ratingfirmaers akkreditering for at sikre deres troværdighed og transparens;
Emphasises the importance of establishing a framework to 'rate the raters', setting out minimum criteria for the accreditation of external rating agencies to ensure their credibility and transparency;
glæder sig over Kommissionens forslag om at fremme anerkendelse af teknikker til nedbringelse af kreditrisici, som der ikke i tilstrækkelig grad tilskyndes til i den nuværende ramme; erkender, at pantesikkerhed mindsker risikoen, og kræver derfor en grundig empirisk analyse for at fastlægge en rimelig vægtning af obligationslån; kræver anerkendelse af, at alle bank- og sektorinternt anerkendte sikkerhedsformer som risikonedbringende og henviser her navnlig til betydningen af klassiske kreditsikkerhedsmidler såsom pant ved nedbringelse af risici, der netop for andre små kreditinstitutter er det vigtigste sikkerhedsmiddel; kræver, at hvis banker og investeringsselskaber lader risici overgå til andre, f.eks. ved forsikring eller brug af clearingsmetoder, at den deraf følgende overførsel af risici kommer til udtryk i nedsatte kapitaludgifter;
Welcomes the Commission's proposals to enhance the recognition of credit risk mitigation techniques, which are insufficiently encouraged in the current framework; recognises the risk mitigating impact of mortgage collateral and consequently calls for a thorough empirical analysis to determine the fair weighting of mortgage loans; calls for the recognition of the risk-reducing potential of collateral recognised by banks and the banking industry as mitigating risks and notes here in particular the importance of traditional loan-securing methods such as mortgages, which are the main form of collateral used by other smaller credit institutions in particular, in risk mitigation; demands that where banks and investment firms outsource risks, for example by insurance or the use of clearing methods, the resulting transfer of risk should be reflected in reduced capital charges;
henstiller, at de nye bestemmelser om kapitalgrundlag indeholder generelle minimumskriterier, der skal opfyldes, før en teknik til nedbringelse af kreditrisici kan anerkendes, for så vidt angår bestemmelser om kapitalgrundlag; mener, at denne horisontale strategi er at foretrække frem for forsøg på at udforme individuelle lovbestemmelser for hver teknik til nedbringelse af risici og tilskynder til en mere fornuftig risikostyring, samtidig med at det sætter lovgivningen og reguleringsmyndighederne i stand til at tilpasse sig markedsudviklingen;
Calls for the new capital adequacy rules to set out general minimum criteria which must be satisfied before a risk mitigation technique may be recognised for the purposes of capital adequacy rules; this horizontal approach is preferable to attempting to formulate individual legislative provisions for each risk mitigation technique and encourages more prudent risk management whilst at the same time enabling the legislation and the regulators to adapt to market developments;