natgillin/translations-raw huggingface dataset:
b ) et andet månedligt fast gebyr på mellem 417 EUR og 4 167 EUR , i forhold til den underliggende bruttoværdi af afviklingssystemets kontante euroafviklingstransaktioner ( fast gebyr II ) : Bånd Fra ( mio . EUR pr. dag ) Til ( mio .
( b ) A second monthly fixed fee of between EUR 417 and EUR 4 167 , in proportion to the underlying gross value of the AS 's euro cash settlement transactions ( Fixed Fee II ) : Band From ( EUR million / day ) To ( EUR million / day ) Annual fee Monthly fee
0 1 000 2 500 5 000 10 000 over 50 000
0 1 000 2 500 5 000 10 000 Above 50 000
under 1 000 under 2 500 under 5 000 under 10 000 under 50 000 ---
below 1 000 below 2 500 below 5 000 below 10 000 below 50 000 ---
5 000 EUR 10 000 EUR 20 000 EUR 30 000 EUR 40 000 EUR 50 000 EUR
EUR 5 000 EUR 10 000 EUR 20 000 EUR 30 000 EUR 40 000 EUR 50 000
417 EUR 833 EUR 1 667 EUR 2 500 EUR 3 333 EUR 4 167 EUR
EUR 417 EUR 833 EUR 1 667 EUR 2 500 EUR 3 333 EUR 4 167
Bruttoværdien af afviklingssystemets kontante euroafviklingstransaktioner beregnes af ASCB' en én gang årligt på grundlag af denne bruttoværdi i det foregående år , og den beregnede bruttoværdi anvendes til beregning af gebyret gældende fra den 1 . januar hvert kalenderår .
The gross value of the AS 's euro cash settlement transactions shall be calculated by the ASCB once a year on the basis of such gross value during the previous year and the calculated gross value shall be applied for calculating the fee as from 1 January of each calendar year .
c ) Et transaktionsgebyr , som beregnes på samme grundlag som modellen for TARGET2 deltagere i tillæg VI til bilag II .
( c ) A transaction fee calculated on the same basis as the schedule established for TARGET2 participants in Appendix VI of Annex II .
Afviklingssystemet kan vælge én af disse to muligheder : enten at betale et fast gebyr pr. betalingsinstruks på 0,80 EUR ( mulighed A ) eller at betale et gebyr beregnet på et degressivt grundlag ( mulighed B ) , med følgende modifikationer : --- for mulighed B divideres grænserne for båndene , der angår mængden af betalingsinstrukser , med to , og --- der opkræves et månedligt fast gebyr på 100 EUR ( i mulighed A ) eller 1 250 EUR ( i mulighed B ) i tillæg til fast gebyr I og fast gebyr II .
The AS may choose one of the two options : either to pay a flat EUR 0,80 fee per payment instruction ( Option A ) or to pay a fee calculated on a degressive basis ( Option B ) , subject to the following modifications : --- for Option B , the limits of the bands relating to volume of payment instructions are divided by two , and --- a monthly fixed fee of EUR 100 ( under Option A ) or EUR 1 250 ( under Option B ) shall be charged in addition to Fixed Fee I and Fixed Fee II .
2 ) Et gebyr , som skal betales i forbindelse med en afgivet betalingsinstruks til eller modtaget betaling fra et afviklingssystem enten via 2007O0002 --- DA --- 23.11.2009 --- 002.001 --- 81 ▼B deltagergrænsefladen eller ASI , skal alene pålægges dette afviklingssystem .
( 2 ) Any fee payable in relation to a payment instruction submitted or payment received by an AS , via either the Participant Interface or the ASI , shall be exclusively charged to this AS .
Styrelsesrådet kan opstille mere detaljerede regler til fastlæggelse af gebyrpligtige transaktioner , der afvikles via ASI .
The Governing Council may establish more detailed rules for the determination of billable transactions settled via the ASI .
3 ) Alle afviklingssystemer skal modtage faktura fra deres respektive ASCB for den foregående måned på grundlag af de gebyrer , som er anført i nr. 1 ) , senest den femte bankdag i den følgende måned .
Each AS shall receive an invoice from its respective ASCB for the previous month based on the fees referred to in subparagraph 1 , no later than the fifth business day of the following month .
Indbetaling skal ske senest den tiende bankdag i pågældende måned på den konto , som ASCB' en har angivet , eller skal debiteres en af afviklingssystemet angivet konto .
Payments shall be made no later than the tenth business day of this month to the account specified by the ASCB or shall be debited from an account specified by the AS .
I dette punkt behandles hvert afviklingssystem , som er betegnet som system i henhold til direktiv 98/26 / EF , separat , selvom to eller flere af disse administreres af samme juridiske enhed .
For the purposes of this paragraph , each AS that has been designated under Directive 98/26 / EC shall be treated separately , even if two or more of them are operated by the same legal entity .
Samme regel gælder for afviklingssystemer , som ikke er betegnet som systemer i henhold til direktiv 98/26 / EF , og i disse tilfælde identificeres afviklingssystemerne med henvisning til følgende kriterier : a ) en formel ordning på grundlag af kontraktmæssige eller lovgivningsmæssige instrumenter ( fx en aftale blandt deltagerne og systemoperatøren ) , b ) mange medlemmer , c ) fælles regler og standardiserede regelsæt , og d ) til clearing , netting og / eller afvikling af betalinger og / eller værdipapirer mellem deltagerne .
The same rule shall apply to the ASs that have not been designated under Directive 98/26 / EC , in which case the ASs shall be identified by reference to the following criteria : ( a ) a formal arrangement , based on a contractual or legislative instrument ( e.g. an agreement among the participants and the system operator ) ; ( b ) with multiple membership ;
MOD ET FÆLLES EUROBETALINGSOMRÅDE -- EN STATUSRAPPORT --
TOWARDS A SINGLE EURO PAYMENTS AREA -- PROGRESS REPORT E
E
C
C
B
B
E
E Z
Z B
T Juni 2003
June 2003 B
B
C
MOD ET FÆLLES EUROBETALINGSOMRÅDE -- EN STATUSRAPPORT --
TOWARDS A SINGLE EURO PAYMENTS AREA -- PROGRESS REPORT
Juni 2003
June 2003
Den Europæiske Centralbank , 2003 Adresse Kaiserstraße 29 D-60311 Frankfurt am Main Tyskland Postadresse Postfach 16 03 19 D-60066 Frankfurt am Main Tyskland Telefon Internet Fax Telex + 49 69 1344 0 http://www.ecb.int + 49 69 1344 6000 411 144 ecb d
European Central Bank , 2003 Address Kaiserstrasse 29 D-60311 Frankfurt am Main Germany Postal address Postfach 16 03 19 D-60066 Frankfurt am Main Germany Telephone Internet Fax Telex + 49 69 1344 0 http://www.ecb.int + 49 69 1344 6000 411 144 ecb d
ISSN 1725-6321 ISSN 1725-6429 ( online )
ISSN 1725-3063 ( print ) ISSN 1725-3071 ( online )
Indholdsfortegnelse Mod et fælles eurobetalingsområde Resumé Indledning 1 Den seneste udvikling inden for detailbetalinger i euroområdet 1.1 Fjernelse af hindringer for lavere omkostninger i forbindelse med grænseoverskridende betalingstjenester 1.2 Forordningen om grænseoverskridende betalinger i euro 1.3 Banksektorens strategi for oprettelsen af et fælles eurobetalingsområde ( SEPA ) 2 Vurdering af pengeinstitutternes bestræbelser på at skabe et SEPA 2.1 Omkostningseffektivitet i forbindelse med behandlingen af end-to-end-kunde - og - interbankbetalinger 2.2 En effektiv indretning af markedet 5 5 7 8 8 9 11 13 14 17 3 Eurosystemets støtte til betalingssektorens arbejde med det fælles eurobetalingsområde 21 3.1 Oversigt over Eurosystemets politiske rammer og redskaber 21 3.2 Foranstaltninger , der skal træffes som følge af Eurosystemets rolle som katalysator 21 3.3 Eurosystemets overvågningsfunktion og regulerende funktion 24 3.4 Operationelt engagement 25
Contents Towards a Single Euro Payments Area Executive summary Introduction 1 Recent developments in the field of retail payments in the euro area 1.1 Removal of obstacles to lower costs for cross-border payment services 1.2 The Regulation on cross-border payments in euro 1.3 The banking sector 's strategy to create a Single Euro Payments Area 2 Assessment of banks » endeavours towards the creation of the SEPA 2.1 Cost-efficiency of interbank and end-to-end customer processes 2.2 Effective market set-up 3 Eurosystem policies to support the payment industry 's work on the Single Euro Payments Area 3.1 Overview of the Eurosystem 's policy framework and tools 3.2 Actions to be taken under the Eurosystem 's catalyst role 3.3 The Eurosystem 's oversight and regulatory function 3.4 Operational involvement 5 5 7 8 8 9 11 13 14 16 20 20 21 23 24
ECB -* Mod et fælles eurobetalingsområde -- en statusrapport -* Juni 2003
ECB -* Towards a Single Euro Payments Area -- progress report -* June 2003
Forkortelser ACH BBAN BIC COGEPS EBA ECB ECBS EPC EMV ESCB IBAN IPI MT 103 + PE-ACH PIN SEPA STP Target ØMU automated clearing house ( automatiseret clearingcentral ) Basic Bank Account Number Bank Identifier Code ( bankidentifikationsnummer ) Contact Group on Euro Payments Strategy Euro Banking Association Den Europæiske Centralbank European Committee for Banking Standards European Payments Council Europay International , MasterCard International , Visa International Det Europæiske System af Centralbanker International Bank Account Number ( internationalt bankkontonummer ) International Payment Instruction ( international betalingsinstruks ) SWIFT message format 103 + pan-European automated clearing house ( paneuropæisk automatiseret clearingcentral ) personal identification number Single Euro Payments Area ( fælles eurobetalingsområde ) straight-through processing ( fuldautomatisk behandling ) Trans-European Automated Real-time Gross settlement Express Transfer Økonomisk og Monetær Union
List of abbreviations ACH ATM BBAN BIC COGEPS EBA ECB ECBS EPC EMU EMV ESCB IBAN IPI MT 103 + NCB PE-ACH PIN SEPA STP TARGET automated clearing house automated teller machine Basic Bank Account Number Bank Identifier Code Contact Group on Euro Payments Strategy Euro Banking Association European Central Bank European Committee for Banking Standards European Payments Council Economic and Monetary Union Europay International , MasterCard International , Visa International European System of Central Banks International Bank Account Number International Payment Instruction SWIFT message format 103 + national central bank pan-European automated clearing house personal identification number Single Euro Payments Area straight-through processing Trans-European Automated Real-time Gross settlement Express Transfer system
Referencedokumenter
List of reference documents
Report on electronic money , ECB , august 1998 Improving cross-border retail payment services in the euro area -- the Eurosystem 's view , ECB , september 1999 Role of the Eurosystem in the field of payment systems oversight , ECB , juni 2000 Improving cross-border retail payment services -- progress report , ECB , september 2000 Payment and securities settlement systems in the European Union , ECB , juni 2001 ( Addendum incorporating 2000 figures , juli 2002 ) Towards an integrated infrastructure for credit transfers in euro , ECB , november 2001 Consultation on electronic money security objectives , ECB , marts 2002 Oversight standards for euro retail payments systems , ECB , juli 2002 E-payments in Europe -- the Eurosystem perspective , ECB , september 2002 Payment and securities settlement systems in accession countries , ECB , august 2002 Policy issues for central banks in retail payments , Den Internationale Betalingsbank ( BIS ) , marts 2003
« Report on electronic money » , ECB , August 1998 « Improving cross-border retail payment services in the euro area -- the Eurosystem 's view » , ECB , September 1999 « Role of the Eurosystem in the field of payment systems oversight » , ECB , June 2000 « Improving cross-border retail payment services -- progress report » , ECB , September 2000 « Payment and securities settlement systems in the European Union » , ECB , June 2001 ( Addendum incorporating 2000 figures , July 2002 ) « Towards an integrated infrastructure for credit transfers in euro » , ECB , November 2001 « Consultation on electronic money security objectives » , ECB , March 2002 « Oversight standards for euro retail payments systems » , ECB , July 2002 « E-payments in Europe -- the Eurosystem perspective » , ECB , September 2002 « Payment and securities settlement systems in accession countries » , ECB , August 2002 « Policy issues for central banks in retail payments » , Bank for International Settlements , March 2003
Resumé ECB har i flere rapporter påpeget det markant lavere serviceniveau for grænseoverskridende detailbetalinger i euroområdet end for nationale detailbetalinger . ECB har i disse rapporter formuleret målsætninger for og fremsat forslag til , hvordan denne situation kunne afhjælpes .
Towards a Single Euro Payments Area Executive summary The ECB has in the past published several reports that highlighted the significantly lower level of service for cross-border retail payments in the euro area than for national retail payments and formulated objectives and suggestions as to how this situation might be remedied1 .
1 Denne rapport vurderer pengeinstitutternes indsats og beskriver Eurosystemets politik på området .
In this report , it assesses banks » endeavours and explains the Eurosystem 's policy stance in this matter .
Indtil 2001 havde pengeinstitutterne ikke gjort væsentlige fremskridt med hensyn til at tilbyde grænseoverskridende detailbetalingstjenester til detailkunder .
Until 2001 , banks had largely failed to make substantial progress in the provision of crossborder retail euro payment services to endcustomers .
I december 2001 ændredes de forhold , hvorunder pengeinstitutterne opererer , imidlertid drastisk , da Europa-Parlamentet og EU-Rådet vedtog forordningen om grænseoverskridende betalinger i euro .
In December of that year , however , the environment banks operate in changed drastically when the European Parliament and the EU Council adopted the Regulation on cross-border payments in euro .
2 Forordningen forpligter pengeinstitutterne til at opkræve samme gebyrer for nationale og grænseoverskridende detailbetalinger i euro .
2 The Regulation obliges banks to charge equal prices for national and cross-border euro retail payments .
I lyset af denne nye situation ønsker Eurosystemet , der har været katalysator for forandringer siden starten , fortsat at hjælpe pengeinstitutterne med at bringe omkostningerne ved grænseoverskridende betalinger på niveau med de gebyrer , der må afkræves i henhold til forordningen .
In this new environment , the Eurosystem -- which has acted as a catalyst for change since its inception -- wishes to continue helping banks to bring their operating costs for crossborder payments into line with the fees they are permitted to charge according to the Regulation .
Om denne politik skal fortsætte , afhænger imidlertid af , om pengeinstitutterne kan -- og er villige til -- at levere konkrete resultater .
The continuation of this policy , however , depends on the banks » ability and willingness to deliver tangible results .
Pengeinstitutterne har på det seneste øget deres indsats for at skabe et effektivt fælles eurobetalingsområde ( Single Euro Payments Area , SEPA ) .
Banks have recently stepped up their efforts to create an efficient Single Euro Payments Area ( SEPA ) and adopted a general strategy to achieve this by 2010 .
De har vedtaget en overordnet strategi til at nå dette mål i 2010 og har endvidere indgået en aftale om en ledelsesstruktur , der indebærer , at European Payments Council ( EPC ) bliver deres centrale besluttende organ , og at der nedsættes flere arbejdsgrupper , som skal komme med input til EPC i strategiske spørgsmål .
They have also agreed on a governance structure , with the European Payments Council ( EPC ) as their central decision-making body and several working groups providing the EPC with input on strategic issues .
Eurosystemet opfordrer banksektoren til at inddrage pengeinstitutter fra de tiltrædende lande i SEPA-processen , således at der i tilstrækkelig grad kan tages højde for banksektorernes forretningsmæssige behov i disse lande , og således at de tiltrædende lande kan tage højde for SEPA i forbindelse med en nyudformning af deres betalingssystemer .
The Eurosystem invites the banking industry to integrate banks from acceding countries into the SEPA process so that the business needs of these banking communities can sufficiently be taken into account and so that these countries are in a position to consider requirements of the SEPA when redesigning their payment systems .
Eurosystemet hilser de beslutninger , der er truffet af EPC , samt de generelle forpligtelser , som EPC har indgået , meget velkommen .
The Eurosystem very much welcomes the decisions taken and general commitments made by the EPC .
Det er nu op til den samlede banksektor at sørge for en passende implementering af disse beslutninger .
The entire banking community must now properly implement these decisions .
Man kunne overveje , hvilken rolle de interesseorganisationer , der repræsenterer nationale pengeinstitutter eller dele af banksektoren , kunne spille i denne sammenhæng .
The role of national and sectoral banking associations could be considered in this context .
De kunne fremme implementeringen af EPCs beslutninger på samme måde , som de fremmer efterlevelsen af etableret national praksis .
They could foster the implementation of the EPC 's decisions in the same way that they promote adherence to established national practices .
Eurosystemet vil nøje overvåge implementeringen af EPCs beslutninger .
The Eurosystem will closely monitor the implementation of the EPC 's decisions .
Eurosystemet forventer desuden , at banksektoren offentliggør alle delmål og større milepæle i SEPA-strategien mere præcist , end det har været tilfældet hidtil .
In addition , the Eurosystem expects the banking industry to publicly state all intermediary steps and major milestones in its SEPA strategy more precisely than in the past .
Eurosystemet opfordrer især EPC til at sikre en udbredt implementering af standarderne for fuldautomatisk behandling bank til bank og bank til kunde ( straight-through processing -- STP ) .
In particular , it encourages the EPC to ensure the widespread implementation of bank-to-bank and bank-to-customer straightthrough processing ( STP ) standards . The Eurosystem has repeatedly called for the swift implementation of STP standards but some banks have not followed this request .
Eurosystemet har gentagne gange opfordret til en hurtig implementering af STP-standarderne , men nogle pengeinstitutter har ikke efterkommet anmodningen . Der synes at være mangler med hensyn til indførelsen af den internationale betalingsinstruks ( International Payment Instruction -- IPI ) og mere specifikt med hensyn til udviklingen af den elektroniske betalingsinitiator ( electronic Payment Initiator -- ePI ) .
Shortcomings seem to exist with respect to the implementation of the International Payment Instruction ( IPI ) and more particularly to the development of the electronic Payment Initiator ( ePI ) . This standard has an important bearing on the fully automated end-to-end processing of cross-border retail payments and banks should attach sufficient importance to it .
Denne standard er af stor betydning for den fuldautomatiske behandling af grænseoverskridende detailbetalinger , og pengeinstitutterne bør tillægge den den nødvendige betydning .
The Eurosystem welcomes the fact that the banking industry has reached a decision on its preferred infrastructure for intra-EU payments in euro ( a pan-European automated clearing house ( PE-ACH )) and that a provider is already operational .
Eurosystemet ser med tilfredshed på , at banksektoren er nået til enighed om den fore1 Improving cross-border retail payment services in the euro area -- the Eurosystem 's view , september 1999 ;
Compared with the previous situation , this infrastructure puts banks in a better position to efficiently transfer payments throughout the euro area 1 « Improving cross-border retail payment services in the euro area -- the Eurosystem 's view » , September 1999 ;
Improving crossborder retail payment services -- progress report , september 2000 ;
« Improving crossborder retail payment services -- progress report » , September 2000 ;
Towards an integrated infrastructure for credit transfers in euro , november 2001 .
« Towards an integrated infrastructure for credit transfers in euro » , November 2001 .
Europa-Parlamentets og Rådets forordning ( EF ) nr. 2560/2001 af 19 . december 2001 .
Regulation ( EC ) No 2560/2001 of the European Parliament and of the Council of 19 December 2001 .
I forhold til tidligere gør denne infrastruktur det lettere for pengeinstitutterne effektivt at overføre betalinger til hele euroområdet og således nedsætte deres interbankomkostninger .
and thus reduce their interbank costs .
Eurosystemet forventer , at alle pengeinstitutter snart vil være i stand til at modtage betalinger via PE-ACH og til at forøge det antal betalinger , de behandler via PE-ACH , således at den kritiske masse snart nås .
The Eurosystem expects all banks to be able to receive payments via the PE-ACH shortly and to increase the volumes they process via the PE-ACH in order for it to reach critical mass soon .
I nærmeste fremtid vil pengeinstitutterne også kunne benytte lejligheden til at øge effektiviteten af PE-ACH ved at overføre nationale betalinger til den .
In the near future , banks could also grasp the opportunity to increase the efficiency of the PE-ACH by transferring national payments to it .
De kan således være med til at bidrage til en konsolidering af den aktuelt fragmenterede infrastruktur for detailbetalinger i euro , under forudsætning af at en sådan konsolidering ikke fører til en forværring af serviceniveauet for nationale betalinger .
Thus they may induce a consolidation of the currently fragmented euro retail infrastructure , provided that such a move does not lead to a deterioration in the level of service for national payments .
For at kunne udnytte alle fordelene ved STP bør pengeinstitutterne også automatisere deres intrabankprocesser .
In order to fully reap the benefits of STP , banks should also automate their intrabank processes .
Forbindelsen mellem pengeinstitutterne og deres kunder er meget omkostningskrævende , og indførelsen af passende procedurer giver mulighed for betydelige besparelser .
The link between banks and their customers is a significant source of cost and offers significant savings potential if adequate procedures are implemented .
Eurosystemet kan fremme betalingssystemernes smidige funktion på tre måder . Eurosystemet kan være katalysator for forandringer , udføre overvågningen og deltage som operatør og udbyder af betalingstjenester .
In promoting the smooth operation of payment systems , the Eurosystem has three policy tools at hand : action as a catalyst for change , conduct of oversight and involvement as an operator and provider of payment services .
I bestræbelserne på at oprette SEPA har Eurosystemet spillet en rolle som katalysator for forandringer .
In its pursuit of a SEPA , the Eurosystem has played a role as a catalyst for change .
Det er planen fortsat at spille denne rolle ved i tæt samarbejde med EPC og alle andre interessenter at opprioritere analysen af udviklingen , således at markedsinformationer og - data forbedres , ved at tilbyde bistand til at forbedre sikkerheden og ved at overvåge de fremskridt , der gøres .
It plans to continue playing that role by closely co-operating with the EPC and with all other stakeholders , stepping up its analysis of developments to provide enhanced market information and data , offering assistance for security enhancements and monitoring the progress made .
Alt efter behov aflægger Eurosystemet rapport om de fremskridt , der sker inden for disse områder .
The Eurosystem will report on progress in these matters as it appears necessary .
Viser det sig imidlertid , at pengeinstitutterne ikke er i stand til at levere de lovede resultater inden for den aftalte tid , har Eurosystemet mulighed for at øge sit engagement ved en mere aktiv brug af sine regeludstedende beføjelser .
Should banks , however , not be able to deliver the promised results within the committed timeframe , the Eurosystem might step up its involvement , using its regulatory tools more actively .