natgillin/translations-raw huggingface dataset:
Der er anekdotisk dokumentation for , at visse pengeinstitutter , da forordningen trådte i kraft for betalinger med kort pr. 1 . juli 2002 , satte deres priser for disse ( eller andre ) tjenester op for at dække underskuddet på deres grænseoverskridende transaktioner med lokale betalingstjenester .
There is anecdotal evidence that when the Regulation came into effect for card payments as of 1 July 2002 , some banks increased their prices for these ( or other ) services in order to cover deficits incurred by their crossborder transactions with local payment services .
I enkelte tilfælde var prisstigningerne på mere end 50 pct .
In individual cases , such increases have amounted to more than 50 %.
Indvirkning på Eurosystemets politik Vedtagelsen af forordningen fik også betydning for Eurosystemets politik i forhold til SEPA .
Impact on Eurosystem policy The adoption of the Regulation also had an impact on the Eurosystem 's policy towards the SEPA .
Eurosystemets første skridt var at bistå pengeinstitutterne med at finde måder , hvorpå de kunne nedsætte deres gebyrer og forbedre deres serviceniveau .
The Eurosystem 's first step was to help banks find ways to reduce their charges and improve their service levels .
Pengeinstitutternes evne til at tilpasse sig de nye forhold er af stor interesse for Eurosystemet .
The capacity of banks to adapt to this new environment is of considerable interest to the Eurosystem .
Hvis det skulle vise sig , at pengeinstitutterne generelt ikke er i stand til at tilpasse sig , er der risiko for negative bivirkninger ( fx stigninger i de nationale gebyrer eller en indstilling af de grænseoverskridende overførsler ) , som kunne blive en trussel mod oprettelsen af et effektivt og sikkert fælles betalingsområde for detailbetalinger , der ikke involverer kontanter .
In the event of a large-scale failure to adapt , there is a risk of undesirable side effects ( for example , increases in national fees or a withdrawal of cross-border transfers from the range of services offered ) that would jeopardise the establishment of an efficient and safe single payments area for cash-less retail payments .
Det er derfor helt klart i Eurosystemets interesse at bistå pengeinstitutterne med at nedbringe deres omkostningsgrundlag , da det vil gøre dem i stand til at bibeholde og forbedre kvaliteten af deres betalingssystemtjenester .
The Eurosystem therefore has a strong interest in helping banks reduce their cost base , as this will put them in a position to maintain and improve the quality of their payment systems services .
Desuden vil kunderne i sidste ende også drage fordel af disse lavere omkostninger , idet skærpet konkurrence vil tilskynde pengeinstitutterne til at nedsætte deres gebyrer for betalingssystemtjenester og således sende deres omkostningsbesparelser videre til deres kunder .
In addition , customers will ultimately also benefit from these reduced costs , as a competitive environment will encourage banks to reduce fees for payment system services and thus pass on their cost savings to their customers . The Eurosystem takes the view that the banks » SEPA initiative should not only aim to make cross-border retail payments more efficient than they are today .
Forordningens økonomiske konsekvenser Forordningen var en drastisk løsning på prisforskellen mellem nationale og grænseoverskridende detailbetalinger i euro . Den har medført en markant begrænsning af pengeinstitutternes prisfastsættelsespolitik .
Its goal should also be to make processing such payments more efficient than processing national payments today , so that national payments could be made more efficient by integrating them into a pan-European infrastructure . Economic consequences of the Regulation The Regulation has provided a drastic solution to the price discrepancy between national and cross-border retail payments in euro .
Effektive betalingssystemer og driftsprocedurer findes normalt kun på nationalt plan .
Efficient payment systems and operating procedures are generally available only at a national level .
Pengeinstitutternes omkostninger ved grænseoverskridende detailpengeoverførsler er i øjeblikket væsentligt højere , men forordningen forbyder nu , at disse højere omkostninger ( herunder en vis avance ) sendes videre til pengeinstitutternes kunder .
Banks currently incur significantly higher costs for making cross-border retail credit transfers but will now be prohibited by the Regulation from passing on these higher costs ( including a certain profit margin ) to their customers .
Det bemærkes endvidere , at der er strukturelle forskelle i prisfastsættelsespolitikken og prisniveauet for betalinger i de forskellige lande , hvor forordningen gælder .
It is also noted that there are structural differences in the pricing policies and price levels for payments in the different countries where the Regulation is applicable .
Pengeinstitutterne bør derfor snarest muligt reducere deres omkostninger i forbindelse med grænseoverskridende detailbetalinger , således at dette forretningsområde bliver økonomisk rentabelt .
Banks therefore urgently need to reduce their costs for cross-border retail payments to achieve an economically viable rate of return in that line of business .
Eurosystemet er af den opfattelse , at pengeinstitutternes SEPA-initiativ ikke kun bør sigte mod at gøre de grænseoverskridende detailbetalinger mere effektive end i dag .
Indeed , the expected substantial lowering of bank fees for crossborder payment services will be sustainable in the long run only if bank costs also decrease substantially .
Målet bør også være at gøre behandlingen af denne form for betalinger mere effektiv end behandlingen af nationale betalinger i dag , således at de nationale betalinger kan gøres mere effektive ved at blive integreret i en paneuropæisk infrastruktur .
As a result of the Regulation , banks , particularly in countries with highly competitive and efficient national systems with low profit margins , have for the time being the option of either incurring
Koordineringsgruppen , der består af 15 repræsentanter udvalgt af EPC , har en støttefunktion , idet den synkroniserer arbejdet i EPC og arbejdsgrupperne og er Eurosystemets og andre offentlige myndigheders samtalepartner . For at kunne behandle de mest presserende spørgsmål i forbindelse med SEPA-projektet har EPC nedsat følgende arbejdsgrupper :
ECB -* Towards a Single Euro Payments Area -- progress report -* June 2003
1.3 Banksektorens strategi for oprettelsen af et fælles eurobetalingsområde ( SEPA ) Ledelse og European Payments Councils strategi Den europæiske banksektor blev i maj 2002 enige om en strategi , der skulle føre til oprettelsen af et egentligt fælles eurobetalingsområde , hvor der ikke er forskel på de tjenester , der tilbydes i forbindelse med nationale og grænseoverskridende betalinger .
1.3 The banking sector 's strategy to create a Single Euro Payments Area Strategy of the European Payments Council and governance The European banking industry agreed in May 2002 on a strategy for achieving a true Single Euro Payments Area with no differences in services for national and cross-border payments .
Hvidbogen Euroland , Our Single Payment Area 3 indeholder en klar forpligtelse fra den europæiske banksektors side til at nå dette mål .
In a White Paper 3 entitled « Euroland , Our Single Payment Area » , the European banking industry has clearly committed itself to achieving this aim .
Der er i sektoren opnået enighed om at skabe en effektiv infrastruktur for detailbetalinger og udarbejdet en køreplan med de overordnede milepæle , der skal nås .
It has agreed to create an efficient retail payments infrastructure and established a « road map » with general milestones to be reached .
I sommeren 2002 nåede den europæiske banksektor også til enighed om en ledelsesstruktur og om de områder , der skal fokuseres på for at etablere SEPA .
In summer 2002 , the European banking industry also agreed on a governance structure and on the key areas on which it intended to focus to achieve the SEPA .
Den europæiske banksektors vigtigste koordinerende og besluttende organ i betalingsspørgsmål er European Payments Council ( EPC ) .
The main co-ordination and decision-making body of the European banking industry in payments matters is the European Payments Council ( EPC ) .
Det består af en generalforsamling med 52 delegerede , der repræsenterer hele den europæiske banksektor ( både store og små markedsdeltagere ) .
It is composed of a General Assembly with 52 delegates representing all types of European banks ( major as well as smaller market participants ) .
De tre europæiske sammenslutninger 4 for kreditformidlingssektoren og EBA er tilknyttet EPC og forvalter også EPCs sekretariat og arbejdsgrupper .
The three European credit sector associations4 and the EBA are associated to the EPC and also administer its secretariat and its working groups . The EPC Assembly decides on policy issues developed by five working groups .
EPCs generalforsamling træffer beslutning om spørgsmål af politisk art , der udarbejdes af fem arbejdsgrupper . Eurosystemet er blevet inviteret til at deltage i møderne i EPC og de fleste af arbejdsgrup -
The Eurosystem has been invited to attend the meetings of the EPC and most of its working groups as an observer in order to provide its own perspective on the banks » strategy at an early stage . The Co-ordination Group supports the process and consists of 15 representatives , selected by the EPC .
The Business and Customer Requirements Working Group skal regelmæssigt overvåge og styre betalingsinstrumenternes udvikling gennem hele deres livscyklus .
The EPC created the following working groups to address the issues it feels are most pressing for the achievement of the SEPA project : regularly monitor and manage the evolution of payment instruments along their lifecycles .
EPC er af den opfattelse , at rammerne for de forskellige betalingsinstrumenter skal stemme overens med kundernes behov i en paneuropæisk sammenhæng .
The EPC feels that the framework for different payment instruments has to be made compliant with customer requirements in a pan-European context .
I november 2002 blev en grundlæggende paneuropæisk pengeoverførselsordning -- Credeuro -- vedtaget .
In November 2002 it adopted the concept of a basic pan-European credit transfer scheme , called Credeuro .
Credeuro-konventionen opstiller en standard for udførelsen af en « grundlæggende » paneuropæisk pengeoverførsel , der kræver et minimum af oplysninger fra bankkundernes side , og som garanterer en ekspeditionstid på maksimalt tre dage ( fra den dag ordren accepteres , til den dag modtagers konto krediteres ) .
The Credeuro convention establishes a standard for the execution of a « basic » pan-European credit transfer , requiring from bank customers a minimum set of information and guaranteeing a maximum execution time of three days ( from the day when the order is accepted to the day when the beneficiary 's account is credited ) .
I februar 2003 vedtog EPC en interbankkonvention om betalinger , der sikrer , at modtager krediteres hele det beløb , som fremgår af instruksen for overførslen .
In February 2003 , the EPC adopted an Interbank Convention on Payments that ensures that the instructed amount of a transfer is credited to the beneficiary customer in full .
Inden udgangen af 2003 har EPC endvidere til hensigt at definere kravene til en paneuropæisk ordning for direkte debitering , der skal være indført i juli 2005 .
Furthermore , the EPC will define requirements for a panEuropean direct debit scheme by end 2003 , for implementation by July 2005 .
Anvendelsen af checks , især grænseoverskridende checks , skal reduceres kraftigt , og kunderne motiveres til at anvende andre instrumenter .
The use of cheques , especially cross-border cheques , is to be considerably reduced , and incentives are to be created to motivate customers to use other instruments .
The Infrastructure Working Group skal fremme udviklingen af samt en konvergerende udvikling hen imod den foretrukne infrastrukturmodel ( dvs .
The Infrastructure Working Group is to foster the development of and convergence towards the preferred infrastructure model ( i.e. a PE-ACH ) .
PE-ACH ) .
The EPC favours a STP-capable PE-ACH infrastructure with fair and open access , owned and used by banks , to be available for credit transfers by mid-2003 and for direct debits by mid 2005 .
-* 3 4
The PE-ACH is defined as « a business platform for the provision of euro retail payment instruments and basic related services , made up of governance rules and payments practices and supported by the necessary technical platform ( s ) » .
Se www.europeanpaymentscouncil.org .
Central banks and ACHs might become facilitators providing See www.europeanpaymentscouncil.org .
European Banking Federation , European Savings Banks Group og European Association of Co-operative Banks .
The European Banking Federation , the European Savings Banks Group and the European Association of Co-operative Banks .
ECB -* Mod et fælles eurobetalingsområde -- en statusrapport -* Juni 2003
3 4 ECB -* Towards a Single Euro Payments Area -- progress report -* June 2003
PE-ACH defineres som en forretningsplatform for detailbetalingsinstrumenter i euro og grundlæggende tjenester i tilknytning hertil , der bygger på ledelsesregler og betalingsmetoder og understøttes af de nødvendige tekniske platforme . Centralbanker og automatiserede clearingcentraler ( ACHer ) kunne eventuelt formidle den tekniske adgang til pengeinstitutterne , og centralbankerne eventuelt deltage som brugere .
technical access to banks , and central banks might also participate as users .
50 pct . af de aktuelle grænseoverskridende pengeoverførsler behandles via den paneuropæiske infrastruktur , hvis PE-ACHs økonomiske levedygtighed skal sikres .
According to the calculations of the EPC , in order to ensure the economic viability of a PE-ACH , a first critical mass of roughly 50 % of the current cross-border credit transfer volume needs to be processed via the panEuropean infrastructure .
Det er hensigten , at dette antal transaktioner skal nås medio 2004 ved at kanalisere transaktioner , der på nuværende tidspunkt behandles via korrespondentbanker , ind i PE-ACH .
It is intended that this number of transactions be reached by mid-2004 by channelling transactions that are currently processed via correspondent banking relationships into the PE-ACH .
Den reelle kritiske masse nås dog først , når de nationale detailbetalinger i lande uden ACH-infrastruktur også behandles i PE-ACH .
However , the real critical mass will only be obtained when national retail payments from countries without ACH infrastructure are also processed in the PE-ACH .
Det er planen , at serviceniveauet er forbedret så meget i 2007 , at afvikling inden for dagen er sikret .
It is planned that by 2007 service levels will have improved in such a way as to ensure same-day settlement .
I nogle lande er banksektoren begyndt at drøfte , hvordan de nationale detailtransaktioner kan overflyttes til PE-ACH . Det er dog usandsynligt , at det vil ske på én gang .
In some countries the banking industry has started discussing how to achieve the migration of national retail transactions to the PE-ACH -- it is unlikely to take place via a « big bang » .
Overflytningen kommer derimod temmelig sikkert til at foregå lidt efter lidt , måske efter den « koncentriske model » 5 , der ville gøre det muligt at udbrede STP gradvist i hele EU .
On the contrary , the migration of national business will probably be progressive , perhaps through the « concentric model " 5 which would enable STP to be gradually extended throughout the EU .
EBA STEP 2 blev godkendt på EPCs plenarmøde den 28 . januar 2003 som den første serviceudbyder af en PE-ACH og som den udbyder , der med størst sandsynlighed ville være i stand til pr. juli 2003 at behandle pengeoverførsler i henhold til forordningen .
The EPC plenary of 28 January 2003 endorsed EBA STEP 2 as the first service provider of a PE-ACH and as the provider most likely to be able to process Regulation-compliant credit transfers by July 2003 .
STEP 2 blev sat i drift den 28 . april 2003 , og det blev i den forbindelse påpeget , at systemet ville være i stand til at understøtte den koncentriske model .
STEP 2 became operational on 28 April 2003 , and indicated that it would be able to support the concentric model .
EPCs plenarmøde den 4 . juni 2003 vedtog en resolution , hvori det fordres , at alle EUs finansielle institutioner skal kunne nås via STEP 2 ved udgangen af 2003 og via alle andre potentielle PE-ACHer i fremtiden .
The EPC plenary of 4 June 2003 adopted a resolution requiring that every financial institution in the EU be reachable via STEP 2 by end-2003 , and via any other potential PE-ACH in the future .
Fælles paneuropæiske standarder , regler , konventioner for og juridiske krav til de grundlæggende betalingsinstrukser bør gøre det muligt for pengeinstitutter over hele Europa at nå frem til et serviceog automatiseringsniveau , der er mindst lige så godt som det bedste nationale niveau i dag .
banks to achieve , across Europe , levels of service and automation at least equal to the best national performance today .
Tidsplanen for implementeringen af disse standarder og regler skal fastlægges inden udgangen af 2003 .
A timetable for the implementation of such standards and rules is to be defined by the end of 2003 .
Yderligere standarder , regler og konventioner , der gør det muligt at udbyde værdiforøgende eller lokale tjenester , der tilbyder STP , vil blive vedtaget og en tidsplan for implementeringen lagt senest den 31 . december 2004 .
An additional set of standards , rules and conventions enabling the provision of value-added or local usage services offering STP is to be approved and a timetable for implementation defined by 31 December 2004 .
På EPCs plenarmøde den 4 . juni 2003 blev der vedtaget en resolution , hvori det kræves , at bekæmpelsen af hvidvask af penge i betalingsområdet bliver fuldt harmoniseret på EU-niveau , da forskellige nationale regler ville være en hindring for STP .
The EPC plenary of 4 June 2003 adopted a resolution calling for fully EU-harmonised requirements for the fight against money laundering in the area of payments , as different national rules would hinder STP . -*
The Cash Working Group fokuserer på kortfristede mål vedrørende forbedringen af effektiviteten af kontanthåndteringen i euroområdet .
A common set of pan-European standards , rules , conventions and legal requirements for basic payment instructions should allow The Cash Working Group focuses on short-term objectives to improve the efficiency of cash handling in the euro area .
Desuden har EPC til hensigt at udvikle en strategi til markant at reducere anvendelsen af kontanter på langt sigt .
In addition , the EPC intends to develop a strategy in order to significantly reduce the use of cash in the long term .
Pengeinstitutterne formulerer deres nationale strategi i 2003 og implementerer den inden 2007 .
Banks will formulate their national strategies in 2003 and implement them by 2007 .
Arbejdsgruppen har til hensigt at udarbejde anbefalinger , der skal tage fat på lovgivnings -, regulerings - og tekniske spørgsmål i forbindelse med kontantDen koncentriske model ville fx give bestemte brugergrupper mulighed for at behandle betalinger over 12.500 euro eller bruge BBAN ( Basic Bank Account Number ) i stedet for IBAN i en overgangsfase , uden at den langsigtede målsætning om at indføre paneuropæiske standarder derved sættes over styr .
The working group intends to prepare recommendations addressing legislative , regulatory or technological developments regarding the handling of cash to maintain banks » profitability in that business .
Det er arbejdsgruppens opgave at undersøge mulighederne for en ny paneuropæisk kontanthåndteringspolitik og - infrastruktur med henblik på at opstille harmoniserede rammer for kontanttjenester og opnå en bedre effektivitet i forbindelse med kontantforsyningsprocessen .
It is the task of this working group to explore a new pan-European approach to cash handling policy and infrastructure , to establish a harmonised framework for cash services and to enhance the process efficiency for cash provision .
EPC har givet en indikation af tidsplanerne for visse projektleverancer .
The EPC has indicated timeframes for certain deliverables .
Fra og med 2003 bør kunderne fx informeres om fordelene ved elektroniske betalinger og opfordres til i stigende grad at anvende disse midler .
For example , as of 2003 customers should be informed about the benefits of electronic payments and encouraged to increasingly use such means .
Ved udgangen af 2003 skal pengeinstitutterne have defineret en bedste praksis for kontantbehandlingen , som skal indføres i 2004 .
By the end of 2003 banks are to have developed best practices for cash processing that are to be deployed in 2004 .
-* The Cards Working Group fokuserer i sit arbejde på betalingsprodukter , der aktuelt repræsenterer langt størstedelen af transaktionerne , og som derfor bør have førsteprioritet .
The Cards Working Group focuses its work on the payment products that The concentric model would allow specific user groups to process payments above Euros 12,500 , for example , or use the Basic Bank Account Number ( BBAN ) instead of the IBAN during a transition phase without compromising the long-term objective of moving to pan-European standards . -* 5
For tiden eksisterer der flere strukturelle forskelle med hensyn til priser og udveksling mellem nationale og grænseoverskridende korttransaktioner på kundeniveau og på de handlendes niveau samt mellem kredit - og debetkort .
currently represent the vast majority of transactions and need to be addressed with priority . There are at present various price and interchange structure differences between national and cross-border card transactions at customer and merchant level as well as between credit and debit cards .
De fleste grænseoverskridende transaktioner i euro er desuden underlagt betingelserne i en række globale kortordninger .
In addition , most cross-border euro transactions are subject to conditions defined by global card schemes .
Endvidere er bedrageri et af de vigtigste spørgsmål for forbrugere , handlende og udbydere .
Furthermore , fraud is a major concern for consumers , merchants and providers .
For at løse disse problemer og bekæmpe bedrageri er det pengeinstitutternes hensigt at udvikle en optimal forretningsmodel ( fx for en tilnærmelse af debet - og kreditkort , ge - nerel anvendelse af PIN-koder sammen med debetkort , øget standardisering af debetkort , fjernelse af magnetstriber ) samt passende infrastrukturer for kortene .
In order to address these problems and combat fraud , banks intend to create an ultimate business model ( e.g. convergence of debit / credit cards , generalised use of PIN numbers with debit cards , increased standardisation of debit cards , removal of magnetic stripes ) as well as appropriate card infrastructures .
De har også til hensigt at undersøge forskellige mulige løsninger i forbindelse med gebyrer på netværksskift , paneuropæiske udvekslingsstrukturer for udstedende og modtagende pengeinstitutter og en strategi i forhold til ( nationale og internationale ) kortnet , således at pengeinstitutterne igen kan få / kan fastholde en betydelig kontrol over udstedte kort .
They also intend to explore different options for network switching fees , for pan-European interchange structures for issuing and acquiring banks and a strategy vis-à-vis the ( national and international ) card networks to enable the banks to regain / maintain significant control over cards issued .
Det er tanken , at disse undersøgelser skal danne grundlag for en fælles kurs i de næste fem til ti år .
These investigations should lay the foundation for a concerted course of action over the next five to ten years .
Innovative løsninger vil blive overvåget og drøftet i anden fase , også i forhold til andre ikke-kortbaserede betalingsinstrumenter .
Innovative solutions will be monitored and debated in a second phase , also in relation to other non-cardbased payment instruments .