natgillin/translations-raw huggingface dataset:
Denne frihed kræver garantier for en risikospredning, garantier, som ligeledes bør sikres på EF-niveau.
The rapporteur is grateful to his colleagues and expresses his regret that this evening time does not allow him to speak about all those amendments.
Hvis medlemsstaterne bevarede friheden til at lave deres egne regler, ville vi risikere yderligere konkurrenceforvridninger, lige som mindre forpligtende bestemmelser ville give den ene flere fordele end den anden.
The line adopted by the Council follows the European Parliament in also appreciating, quite rightly, that more time will be needed for adaptation to the new situation.
Nødvendigheden af at indføre strengere bestemmelser bør ses i sammen hæng med problemet.
The only difference is that the Council searched for a parallel position making use of loopholes, deviations and exceptions, which caused confusion and complications.
Og et problem er der i det tilfælde, vi undersøger.
We agree with its general position in principle, but not with methods which lead to lack of clarity and do not facilitate the security and stability of the law.
Selv om kreditinstitutternes funktion utvivlsomt i sagens natur hænger sammen med risikoniveauet, kan vi ikke ignorere de proble mer, man havde i 1980'erne i forbindelse med de store engagementer i banker som f.eks. Johnson Matthey Bankers Ltd. i Storbritannien og Casa di Risparmio di Prato i Italien.
With these basic comments, Mr President, and with the more particular assertion that this time we must deal with the problem of branches of credit institutions established in third countries, which was disregarded when we were considering the second Directive on banking, the rapporteur submits his report to the judgement of the House and would like to hope for the support of a very large majority.
Vedrørende hr. Rothleys bemærkninger til MASTER og dennes virkninger har jeg taget dem ad notam, og jeg tror, at det er accepteret, og at der i direktivet er taget højde herfor, og at det er i overensstemmelse med den analyse og fremstilling, hr. Rothley har givet.
Your rapporteur entertains no doubts about the answer to both questions, which must be affirmative. With the great single European market of '93 the freedom to offer services is established throughout the territory of the Twelve, and after the recent Porto agreement this is indeed extended to the broader European economic area of the Nineteen.
Hvad angår direktivets manglende gennemskuelighed har jeg ikke lyst til, tror jeg, at foretage sammenligninger af Fællesskabets direktiver med hensyn til deres grader af gennemskuelig hed.
If the Member States retain the ability each to make its own rules, this could lead to additional distortions of competition since less binding orders would favour some and disadvantage others.
Jeg vil blot sige — og jeg siger dette som én, der ikke har været involveret i at håndtere dette i de seneste to år — en grad, ikke af manglende gennem skuelighed, men kompleksitet til tider er den pris, der må betales for at forene forskellige interesser og nå frem til en aftale.
The need to introduce regulations, indeed stricter ones, must be appreciated in relation to the problem. And there is certainly a problem in the case we are examining.
Kompleksitet for nogle kan for de uindviede være lig med manglende gennemskue lighed, men det, der frem for alt er afgørende, er den faktiske gennemførelse af målet, nemlig at få etableret en ordning for anerkendelse af erhvervsud dannelser.
No matter how much the very function of credit institutions is certainly associated, by their very nature, with a level of risk, we cannot ignore the problems that occurred in the 1980s due to major exposure by the banks, for example Johnson Matthey Bankers Ltd. in Britain or Casa di Risparmio di Prato in Italy.
Jeg mener, at direktivet opnår dette, og jeg er derfor taknemmelig for Parlamentets hjælp med at skabe en tekst, der nu generelt er meget acceptabel, og tiden er faktisk nu kommet til at ophøje den til lov.
Examples are plentiful, but in most cases they did not lead to bankruptcy. Yet. ihey demonstrated the extent of the problem at a time when the banking system continues to face a severe crisis in the United Stales, with echoes in Japan, and where weaknesses have not been unheard of in nonCommunity northern European countries or even in Switzerland, though for a variety of reasons considered case by case.
Europa-Parlamentets forhandlinger
ROTHLEY ten years instead of five are being unduly pessimistic.
Anastassopoulos sat ved behandlingen af det andet bankdirektiv, fremlægger ordføreren hermed sin betænkning til Parlamentets bedømmelse og håber på tilslutning fra et overvældende flertal.
I would say that a great deal can be achieved in five years, especially when you consider the speed at which all these institutions are evolving currently.
Vi giver vor tilslutning til direktivforslaget og til betænkningen.
We approve the proposal for a directive and the report.
Sænkningen af grænserne for store engagementer er bestemt et hårdt indgreb også for de mindre kreditinstitutter, men også hos dem kan store engagementer, der falder ud, være årsag til en trussel mod indlånene.
The lowering of the limits for large exposures will undoubtedly be hard on smaller credit institutions, but defaults on large exposures will also endanger deposits with them.
Ordføreren — og min gruppe tilslutter sig ham — accepterer i princippet definitionen på et stort engagement: Dersom værdien deraf overstiger 10% af egenkapitalen, skal det indberettes.
The rapporteur — and my group agrees with him — accepts in principle the definition of 'large exposure': if its value exceeds 10% of own funds, it must be reported.
Store engagementer med enkelte kunder må ikke overstige 25% af kreditinstituttets egenkapital, og de store engagementer må tilsammen ikke overstige 800% af egenkapitalen.
Individual large exposures must not exceed 25% of a credit institution's own funds, and aggregate large exposures must not exceed 800% of its own funds.
Det, der egentlig udmærker betænkningen, og også her følger vi ordføreren, er, at han vil gøre forslaget gennemførligt i praksis, vil gøre det håndterligt i praksis, og han kræver derfor en overgangsperiode på ti år.
What basically makes the report stand out, and here again we agree with the rapporteur, is that, in an attempt to make the proposal practicable, manageable in practice, it calls for a transitional period of ten years.
Det anser vi for rigtigt, og vi anmoder Parlamentet om at acceptere det af hensyn til det praktisk gennemførlige.
We think this is right and call on Parliament to agree to this on grounds of practicability.
Jeg håber, Kommissionen kan overtage det.
I hope the Commission is able to accept this.
Vi støtter også ordførerens forslag vedrørende de kreditinstitutter, som har hovedsæde i et tredjeland og filialer i Fællesskabet. I almindelighed: bred støtte til ordførerens forslag!
RISKÆR PEDERSEN (LDR). — (DA) Mr President, the Commission's proposal for a Council Directive on monitoring and controlling large exposures of credit institutions, to which a series of amendments has been unanimously adopted in the Legal Affairs Committee, is a proper and natural development of the other directives which have already been adopted in this field.
Den eneste realistiske løsning er derfor en gradvis indførelse af de nye, strengere grænser i løbet af en periode på 10 år.
The stipulation in the directive of a 10% notification limit, a 25% ceiling on exposures to a single client or client group on the part of a single credit institution and a limitation of large exposures in aggregate to eight times own funds all appear to be sound elements in ensuring a spread of risks and hence protecting confidence in the financial institutions themselves.
Denne løsning har ordføreren foreslået, og Retsudvalget godkendte den enstemmigt, ligesom det med overraskende enstemmighed også godkendte de øvrige ændringsforslag i Anastas-sopoulos-betænkningen. Ordføreren er sine kolleger taknemmelig og beklager, at tiden ikke tillader ham at nævne alle disse ændringsforslag.
The question is, however, whether we have gone far enough and whether the preconditions which formed the basis for the need analysis in the original white paper have changed and therefore prompt us to ask whether we should be considering other measures which, I have to admit, are not directly within the scope of this directive but are clearly part of the same problem area.
Herman (PPE). — (FR) Hr. formand, kære kolleger, de seneste begivenheder, som har rystet den ellers så stille og rolige bankverden, viser tilstrækkelig tydeligt, at det var på tide at lovgive om disse emner.
HERMAN (PPE). — (FR) Mr President, ladies and gentlemen, the recent events that have thrown the traditionally calm and discreet world of finance into turmoil amply demonstrate that it was time for legislation on these matters.
Det er for øvrigt temmelig overraskende, at de lande, som har været fornuftige nok til at indføre forebyggende love på dette område, ikke er så hårdt ramt som de andre.
It is in fact rather noticeable that the countries that had the prudence to enact preventive legislation on this have been less severely affected than the rest.
Det er derfor logisk, at man skal nå frem til generelt at lovgive om disse emner.
It is therefore logical that we should introduce common legislation on these matters.
Vi er enige i dets generelle, principielle stand punkt, men ikke med fremgangsmåden, som fører til uklarhed og ikke sikrer retssikkerhed og stabilitet.
I share my colleagues' approval of the general thrust, but there are nevertheless two points to which I would draw attention.
Der er imidlertid to punkter, som jeg gerne vil henlede opmærksomheden på.
I find that the exclusions err on the side of generosity.
Det ville være rart, om Kommissionen, når den for fremtiden vil beskæftige sig med et
We are told there is going to be another one, and that is all very well.
Herman problem, ser på det i alle dets aspekter og ikke fører en for differentieret politik.
In future, when tackling a problem, the Commission would do better to deal with all aspects of it instead of differentiating too much in its policy.
Den anden bemærkning, jeg vil fremsætte, stadig om det, der ikke er med, er, at de dispensationer, man giver regeringerne, er temmelig omfattende, navnlig i betragtning af at arten af kreditinstitutterne hele tiden knyttes til et centralt organ.
The second comment I wish to make, again about exclusions, is that the derogations that governments are allowed are rather extensive, particularly in the case of credit institutions permanently affiliated to a central body.
Det forekommer mig ikke at være grund til en dispensation.
I do not find this sufficient justification for a derogation.
Det samme gælder postgiroen.
The same applies to administrations running giro systems.
De seneste begivenheder viser, at de offentlige finansielle institutters situation ændres hurtigt. Der er postgiroer, som omdannes til egentlige banker.
Recent developments have shown that the public financial institutions scene is changing rapidly in our countries.
Men de holdes hele tiden uden for enhver lovgivning og for enhver regulering på dette område.
But they are still excluded from all legislation and all regulation in this area.
Hvad angår lovgivningen om de store risici, er det også nødvendigt at tage hensyn til de organer, som tilsynet påhviler.
A particular complex of problems arises in the definition of what is to be regarded as exposure.
vanskeliggøre kunders mulighed for at kunne gen nemskue en given kreditforbindelses samlede over vejelser vedrørende engagementer med selskabet selv.
Here we have so far been primarily concerned with direct exposures but have overlooked the extent to which indirect exposures in effect increase the exposure of a credit institution and at the same time can make it more difficult for clients to gain a view of the overall implications of a given credit connection in relation to exposures of the company itself.
Det er således ikke noget ukendt fænomen i enkelte af medlemslandene, at pengeinstitutforbindelser samtidig med at være bankforbindelse for en kunde kan yde lån til andre kunder i banken, men på en sådan måde, at den oprindelige kunde reelt er den, der tilvejebringer sikringsgrundlaget.
For example it is not unknown in some Member States for credit institutions, while providing banking services for one client, to advance loans to other clients of the bank, but in such a way that the original client is in effect the one who provides the security on which the loan is based.
Det ses f.eks. ved genbelåning af aktier i børsnoterede virksomheder, hvor virksomheden selv er kunde i en bank, men hvor banken samtidig belåner aktier udstedt af virksomheden for andre kunder.
This can be seen, for example, in the raising of loans on shares in companies quoted on the stock exchange, where the company itself is a client of a bank but the bank at the same time provides loans on shares issued by the company for other clients.
Men også ved at en bank til egenbeholdning indkøber markedsnoterede obligationer eller andre gældsinstrumenter, opstår der indirekte eksponering.
But indirect exposure also arises when a bank purchases marketable bonds or other debt securities to hold as assets on its own account.
Fra det kommercielle kredsløb kan det være vekseldiskontering, genbelåning af letter of credits etc. Samlet kan sådanne indirekte og for den oprindelige kunde ubekendte engagementer løbe op i en betydelig eksponering, som reelt hviler med et primært sikringsgrundlag hos den oprindelige kunde.
Bill discounting, advancing loans on letters of credit etc all form part of routine commercial practice. Taken together, such indirect exposures, which are unknown to the original client, may amount to a considerable degree of exposure which in reality burdens the primary security furnished by the original client.
Dette for hold kan eliminere kreditinstituttets fleksibilitet ved forhandling af måske nødvendige kreditomlægninger og kan over for andre kreditgivere give en tilsløring af et given kreditinstituts reelle eksponering og særinteresser.
This situation can invalidate the flexibility of the credit institution in negotiating credit reassignments which perhaps may become necessary and can hide from other credit providers the real extent of exposure and special interests of a given credit institution.
Jeg mener, at man på fem år kan gøre mange ting, navnlig når man ser på den fart, hvormed alle institutioner ændrer sig i dag.
It seems to me that trusting in each of the States to attend to this is all very well, but since we propose to create a central bank, it would not be out of place to include a few points on the need for the supervisory bodies' activities to be harmonized and coordinated.
I sammenhæng hermed åbner sig endnu et andet problemkompleks, som vi endnu ikke har taget lovgivningsmæssig initiativ over for, men indtil videre har overladt til fri forhandling imellem de berørte pengeinstitutter.
In connection with this, yet another complex of problems arises on which we have not so far taken any legislative initiatives but which we have left to be freely negotiated between the financial institutions concerned.
Vi har nu igennem især de sidste ni til tolv måneder været vidne til nogle temmelig spektakulære virksomhedssammenbrud, ikke blot i UK, men også i de mindre medlemslande.
In the past nine to twelve months in particular, we have witnessed some fairly spectacular enterprise collapses, not just in the UK but also in the smaller Member States.
Kendetegnende for alle disse sammenbrud har været, at et meget stort antal banker ikke har kunnet blive enige om, hvordan de fornødne moratorieordninger eller tilbagebetalingsudskydelser har skullet tilrettelægges.
A feature common to all these enterprise collapses was that a very large number of banks could not agree on what solution to adopt for the necessary moratorium arrangements or
Et særligt problemkompleks opstår i tilknytning til afgrænsning af, hvad der kan betragtes som engagementer.
The last comment I wish to make is that, in my view, the honourable Members who want a transitional period of
Ændringsforslag nr. 3, hvorved et af kriterierne i definitionen af økonomisk indbyrdes afhængighed udgår, ændringsforslag nr. 13 om behandlingen af realkreditlån og ændringsforslag nr. 4 om den alternative indberetningsmetode, kan alle accepteres, for så vidt Kommissionen angår.
As far as Amendment No 2 is concerned, precision in the definition of a group of connected clients, the Commission agrees with the object of this amendment but on the other hand, I do not think that we actually need to have the amendment because the text of the directive itself covers the point without it.
stadig er forståeligt.
deferment of repayments.
Dette problem om reglernes anvendelse og effektivitet, for nu at udtrykke sig juridisk, er specielt akut for visse medlemslande, som man med rette har sagt — og det er ikke specielt ærefuldt for mit eget land — men sådan er situationen, og jeg tror, at det er nødvendigt at give denne mulighed, som er blevet indført ved hjælp af udvalgets ændringsforslag og på forslag af ordføreren. ren.
This problem was further highlighted by bank mergers and takeovers, giving rise to sudden redefinitions of credit policy which was experienced by many companies as a major problem, particularly in reconstruction negotiations. I therefore think that there is a need for special rules of conduct on crossfrontier credit activity to be embodied in Community legislation and rules which should apply when several credit institutions involved in the renegotiation of the conditions for synicated loans have to reach agreement before a reconstruction package can be worked out for the credit position of a given company.
Med hensyn til ændringsforslag nr. 5, 6, 7 og 11 vedrørende tidsplanen for gennemførelsen af de maksimale andele, går de i samme retning som Kommissionens holdning til overgangsperioder, men vi har to problemer med hensyn til detaljerne. Jeg mener, at en overgangsperiode på ti år er for lang, set i relation til, at Kommissionen offentliggjorde en henstilling så langt tilbage som i 1986.
With regard to Amendments Nos 5, 6, 7, and 11 concern ing the timetable for the enforcement of the limits, they go in the same direction as the Commission's position on transitional periods but we have got two difficulties with the detail.
Det længste, som vi kan acceptere — og det udgør en stor anstrengelse sammenholdt med vort oprindelige for slag — er en femårs overgangsperiode, men derudover yderligere en treårig overgangsperiode.
The maximum that we can accept — and that represents a great effort compared to our original proposal — is a five-year transitional period, but on top of that, three years' grandfathering if we accept that proposals of this kind are necessary on prudential grounds.
Såfremt vi accepterer, at forslag af denne karakter er nødvendige ud fra sikkerhedsmæssige årsager, har vi også ansvaret for ikke at tillade, at der går for lang tid med at implementere dem, hvis vi siger, at før de er implementeret, er der ikke etableret en fuldstændig og tilstrækkelig forsigtighedsordning.
We also have the responsibility not to allow too long a delay in implement ing them if we say that until they are implemented a full and adequate prudential regime has not been established.
Sir Leon Brittan, næstformand i Kommissionen. — (EN) Jeg takker hjerteligt ordføreren, hr. Anastassopoulos, for hans fremragende betænkning og for den store opmærksomhed, han har viet til dette forslag.
BONTEMPI (GUE). — (IT) Mr President, the speeches made by my colleagues, in particular the rapporteur's speech, will enable me to rigorously respect the oneminute limit because I am in agreement.
Faktisk gjorde hans fremragende åbningstale så klart rede for fordelene ved forslaget, at alle de argumenter til fordel for det, som jeg har forberedt, er fuldstændig overflødige.
But this is the situation and I believe that it is necessary to offer this opportunity, which was introduced with the amendments voted by the committee and proposed by the rapporteur.
Med hensyn til præsentationen er det ikke nogen god idé at anbringe overgangsbestemmelsernes højere grænser i direktivets permanente bestemmelser.
As to the presentation, it is not a good idea to place the transitional higher limits iri the permanent provisions of the directive.
Det ville vække det forkerte indtryk.
That would give the wrong impression.
De begrænsninger og tærskelværdier, som Kommissionen har foreslået — navnlig de 10% og 25% — er standarder, der er accepteret på internationalt plan uden for Fællesskabet.
The limits and thresholds proposed by the Commission — especially the 10% and 25% ones — are standards accepted at an international level outside the Community.
Det ville være dårligt for vort image, såfremt der blev anvendt mere lempelige begrænsninger i de permanente bestemmelser som normale regler.
It would be bad for our image if more generous limits appear in the permanent provisions as normal rules.
Det er årsagen til, at vi finder det bedre, at de pågældende medlemsstater anvender fakultative bestemmelser i overgangsordningerne, frem for at Fællesskabets lovgivning skulle vedtage disse højere grænser som normale regler.
That is why we think it better that the Member States con cerned should use optional provisions in the transitional arrangements rather than for the Community legislation to adopt these higher limits as normal rules.
Endelig er der allerede fire medlemsstater, der anvender andele under 40%.
Finally, four Member States already apply limits lower than the 40%.
Der ville være en risiko for, at vi forringer situationen for medlemsstaterne med de strengere regler, hvis vi har højere grænser i de permanente bestemmelser. Så jeg har disse proble mer med disse fire ændringsforslag, sådan som de står.
There would be a risk of weakening the position of those more rigorous Member States if we had higher limits in the permanent provisions.
Hvad angår de specifikke ændringsforslag, kan jeg acceptere — enten i bogstavet eller ånden — ændringsforslag nr. 1, 2, 3, 4, 8, 10, 12 og 13. Ændringsforslag nr. 5, 6, 7, 9, og 11 er, mener jeg, generelt ikke i overensstemmelse med den tanke gang, der ligger til grund for dette forslag.
On the other hand, Amendment No 8, which seeks to introduce a 20% weighting for inter-bank claims over one year in the form of negotiable securities is acceptable for us with one reservation: a reference to Zone A credit institutions does not seem necessary.
For så vidt angår ændringsforslag nr. 1 og 12 om mindre kreditinstitutter, er de acceptable i ånden, fordi de indeholder princippet on em yderligere femårs omstillingsperiode for mindre banker.
Indeed, his masterly opening speech made the case for the proposal so clearly that all the arguments in favour of it which I have prepared are completely unnecessary.
I udgangssituationen går vi ud fra, at de mindre institutter bør defineres som dem, der har en egenkapital på under 7 mio ECU, og at udgangspunktet for den supplerende femårs periode ikke bør være 10 år efter direktivets gennemførelsesdato.
I would only say in response to Mr Anastassopoulos and in consideration of his work that, looking at the totality of the thirteen amendments that have been proposed, the Commission would be prepared to accept either in letter or in spirit eight out of the thirteen, which I think reflects the constructive way in which we are seeking to respond to Parliament's work.
Derimod er ændringsforslag nr. 8, der søger at indføre en vægtningskoefficient på 20% for inter-bank-fordringer med en løbetid på over ét år i form af omsættelige værdipapirer, acceptabelt for os, dog med et enkelt forbehold: en henvisning til kreditinstitutter i zone 1 forekommer ikke nødvendig.
Amendment No 9 concerning provisions for branches of credit institutions of third countries is not necessary for a reason that has not really been referred to in the debate which is that the branches concerned simply do not have a European passport. So it is difficult to see the justification for Community harmonization as far as they are concerned.