natgillin/translations-raw huggingface dataset:
(') Kilde: Eurocheque News η· 14, marts 1989. Ρ) Kilde : Brochuren Eurocheque 1989-1990
(') Source: Eurocheque News No 14, March 1989. (*) Source : Brochure Eurocheque 1989-1990.
O Kilde : Den undersøgelse af kreditkort, som BEUC (Kontoret for De Europæiske Forbrugerorganisationer) foretog i august 1989 efter anmodning fra Kommissionen.
(BEUC), August 1989.
Der foreligger ingen oplysninger for Grækenland, Italien, Luxembourg og Portugal.
There are no daca available for Greece, Italy, Luxembourg and Portugal.
I alt
Tocal
28 900 000 mindre omfang, irske statsborgere (0,5 millioner mod 0,1 millioner).
(6,3 million as against 10 000) and, to a lesser extent, the Irish (0,5 million as against 0,1).
Disse tal viser, at konkurrencen mellem eurocheques og kredit- eller hævekort er begrænset af rent faktiske årsager : situationen er forskellig fra medlemsstat til medlemsstat, for mange indehavere af eurocheques har ingen kredit- eller hævekort og omvendt.
These figures show that competition between payments by Eurocheque and payments by credit or debit card is limited for practical reasons : the situation differs from one Member State to another, since many users of Eurocheques do not have credit or debit cards available to them and vice versa.
Hvad angår statsborgere fra andre medlemsstater på ophold i Frankrig fremgår det klart, at de fleste tyskere kun er i besiddelse af eurocheques (23 millioner eurochequeindehavere mod 2 millioner indehavere af kredit- eller hæve kort).
In particular, as regards persons from other Member States spending some time in France, it is quite evident that the great majority of Germans have only Eurocheques available to them (23 million holders of Eurocheques as against 2 million holders of credit or debit cards).
Det samme gør sig i vidt omfang gældende for nederlændere (3,4 millioner eurocheque-indehavere mod 0,5 millioner indehavere af kredit- eller hævekort) og for belgiere (3,2 millioner mod 0,6 millioner).
To a lesser degree, but still in large measure, the same applies to the Dutch (3,4 million holders of Eurocheques as against 0,5 million holders of credit or debit cards) and to the Belgians (3,2 million as against 0,6 million).
Til forskel herfra er der blandt britiske statsborgere flere indehavere af kredit- eller hæve kort (29 millioner) end indehavere af eurocheques (1,8 millioner), hvilket også gælder for spanske statsborgere (6,3 millioner mod 10 000) og, i
By contrast, the British hold credit or debit cards in much greater numbers (29 million) than Eurocheques (1,8 million), as do the Spanish
Som det fremgir af de to efterfølgende tabeller (') er Frankrig det land, hvor der indløses flest eurocheques med i alt 6 430 832 udenlandske eurochèques udstedt i Frankrig i 1989, dvs. 15 % af samt lige eurocheques udstedt i udlandet samme ir.
As may be seen from the two tables set out below ('), France is the leading country accepting Eurocheques, with a total of 6 430 832 foreign Eurocheques drawn in France in 1989, equivalent to 15 % of all Eurocheques drawn abroad that year.
Over 85 % af de i Frankrig udstedte eurocheques er udstedt af statsborgere fra andre medlemsstater, navnlig tyskere (36 % af samtlige eurocheques udstedt i Frankrig), belgiere (17 %), nederlændere (15%) og briter (15%).
More than 85 % of the Eurocheques drawn in France are made out by nationals of other Member States, mainly Germans (36 % of the total number of Eurocheques drawn in France), Belgians (17 %), Dutch (15%) and British (15%).
(') Kilde : Eurocheque Internationals skrivelse af 18. maj 1990 til Kommissionen.
(') Source : Letter sene by Eurocheque International Co the Commission on 18 May 1990.
Udstedt af vo
Drawn by
Klassificering af de ti førende lande i og uden for EF, der indløste og udstedte udenlandske eurocheques i 1989
Classification of Che ten leading councries, EEC and non-EEC, in terms of numbers of foreign Eurocheques accepted and drawn in 1989
(Samlet antal udenlandske eurocheques udstedt i 1989: 42 140 887)
(Total number of foreign Eurocheques drawn in 1989: 42 140 887)
Indløsende lande
Accepting countries
Udstedende lande
Drawing countries
(15) blev dog indføjet to vigtige ændringer i forhold til den aftale, der blev fritaget i 1984:
(15) of the interbank the maximum amount commission was raised, and a minimum was introduced for the inter bank commission.
Af de 6,5 millioner udenlandske eurocheques, der udstedes i Frankrig, indløses ca. 1 million, dvs. ca. 15%, ifølge groupement (') i nonbanking sektoren. Dette procentvise forhold mellem det antal eurocheques, der udstedes i nonbanking sektoren, og det samlede antal eurocheques er stort set det samme i alle lande.
The Groupement has, moreover, stated (') that, of the 6,5 million foreign Eurocheques drawn in France, some one million were made out to traders and that this percentage of some 15 % of Eurocheques drawn in the trading sector in relation to the total number of Eurocheques is broadly similar from one country to another.
Helsinkiaftalen er i fuldstændig modstrid med den såkaldte Package Deal-aftale, der gælder for anvendelsen af eurocheques i udlandet.
The Helsinki Agreement runs totally counter to the Package Deal Agreement, which governs the use of Eurocheques abroad.
De vigtigste bestemmelser i Package Dealaftalen blev allerede gennemgået i Kommissionens beslutning 85/77/EØF.
The main provisions of the package deal Agree ment have already been outlined in Commission Decision 85/77/EEC.
Eurocheque-systemet bygger pi — eller har i hvert fald hidtil bygget pi — det grundprincip, at modtageren af en uniform euro cheque udstedt i udlandet i lokal valuta skal have eurochequens fulde beløb udbetalt — hvad enten det drejer sig om en handlende eller den person, der udsteder checken for at hæve kontanter i en bank.
The Eurocheque system is based — or at least was based up to now — on the basic principle that the payee of a uniform Euro cheque drawn abroad in local currency — whether a trader or the drawer himself wishing to withdraw cash from a bank — must receive the full amount of the Eurocheque.
Bankerne kan i deres forbindelser med euro-cheque-udstederne vælge at kræve hel eller delvis godtgørelse af de gebyrer, der er udbetalt til de udenlandske banker og clearingcentre, samt even tuelt selv opkræve et gebyr.
In their relationships with the drawers of Eurocheques, the banks are free to pass on or not to pass on all or part of the commissions paid to the foreign banks and to the clearing houses, and possibly to charge a commission for their own account.
Ifølge den nye aftale af 1987 er det garanterede maksimumsbeløb fortsat den omtrentlige modværdi i lokal valuta af 300 sfr., dvs. ca. 170 ECU.
In the new 1987 Agreement, the maximum guaranteed amount remains the approximate equivalent value in local currency of Sfr 300, equivalent to some ECU 170.
I Frankrig er det for øjeblikket 1 400 ffr.
In France, it is currently FF 1 400.
For at eurochequene kan behandles i det internationale eurocheque Clearingssystem, mi de ikke overstige et vist beløb, nemlig den omtrentlige modværdi af 600 sfr. i lokal valuta (ca. 340 ECU). I Frankrig er dette beløb for øjeblikket 2 500 ffr.
In addition, if they are to be dealt with in the Euro cheque international clearing system, Eurocheques must not exceed a certain amount, being the approximate equivalent in local currency of Sfr 600 (some ECU 340).
Package Dealaftalen blev indgiet den 31. oktober 1980 inden for Eurocheque Community og iværksat den 1. maj 1981.
The package deal Agreement was concluded on 31 October 1980 within the Eurocheque community and was put into effect from 1 May 1981.
Den blev anmeldt den 7. juli 1982 af de nationale bankforeninger, som Euro cheque Community bestir af.
It was notified to the Commission on 7 July 1982 by the national banking groups making up the Euro cheque community.
Den blev fritaget ved Kommissionens beslutning 85/77/EØF (2).
It was granted exemption by Commission Decision 85/77/EEC (2).
Denne fritagelse gjaldt indtil den 30. april 1986, hvor den oprindelige aftale udløb.
The exemption ended on 30 April 1986, the date on which the initial Agreement expired.
Kommissionen sendte den 10. juli 1986 Eurocheque International en administrativ skrivelse om midlertidig henlæggelse af sagen indtil den 30. december 1987, idet den afventede den gennemgribende omredigering af aftalen, der var planlagt af Eurocheque.
Pending a complete recasting of the Agreement, as was envisaged at that time within Eurocheque, a provisional comfort letter was sent to Eurocheque International on 10 July 1986, valid until 30 December 1987.
Ved den nye aftale af 1987 blev der desuden indført et minimum for interbankgebyret pi den omtrent lige modværdi af 2 sfr. (ca. 1,10 ECU) pr. eurocheque, der siledes anvendes pi eurocheques udstedt i Frankrig på et beløb under ca. 500 ffr.
The new 1987 agreement also introduced a minimum amount for the interbank commission, having the approximate equivalent value of Sfr 2 (around ECU 1,10) per Eurocheque, which thus applies to Eurocheques drawn in France for an amount of less than some FF 500.
Den nye Package Dealaftale blev vedtaget af Euro cheque Assembly den 4. og 5. juni 1987 og anmeldt den 16. december 1987.
The new package deal Agreement was concluded at the Eurocheque Assembly held on 4 and 5 June 1987 and was notified to the Commission on 16 December 1987.
Titlen på aftalen lyder »aftale vedrørende provisionsberegning, validering og clearing af uniforme eurocheques udskrevet i lokal valuta samt åbning af nonbanking sektoren«.
Its full title is 'Agreement on the commissions, value dates and central clearing of uniform Eurocheques made out in local currency and the opening-up of the nonbanking sector'.
Den skulle gælde fra den 1. januar 1988 for en ubegrænset periode, indtil der blev indgiet en ny aftale i løbet af de følgende to ir.
It has applied since 1 January 1988 for an indefinite period until the conclusion of a new agreement, which was to take place within two years.
Der blev imidlertid ikke indgiet nogen ny aftale i denne periode, og 1987-aftalen finder derfor fortsat anvendelse.
However, no new agreement was concluded during that period, and the 1987 Agreement continues to apply.
Denne aftale ligner i store træk den aftale, Kommissionen fritog ved sin beslutning 85/77/EØF.
The 1987 Agreement does not differ essentially from that which was covered by Commission Decision 85/77/EEC.
I modsætning til, hvad der tidligere var planlagt, blev systemet ikke ændret væsentligt.
Contrary to what may have been envisaged at one time, the system has not been substantially recast.
(') I sit svar af 29. oktober 1990 pi den oprindelige meddelelse af klagepunkter og under høringen den 28. november 1990. P) EFT nr. L 35 af 7. 2. 1985, s. 43.
(') In ics reply of 29 Occober 1990 co che Scacemenc of Objeccions and ac Che hearing held on 28 November 1990.
92 nationale Eurocheque-sammenslutning, en begæring om oplysning, idet Kommissionen havde modtaget en klage over indløsningsbetingelserne i Frankrig for en eurocheque trukket pi en uden landsk bank.
92 ting to the conditions governing the collection in France of a Eurocheque drawn on a foreign bank.
Den franske bankforening svarede ved skrivelse af 17. oktober 1984, at de franske banker ganske vist havde tilsluttet sig Package Dealaftalen med hensyn til udlændinges udtræk af kontanter i franske banker, men de havde ikke tilsluttet sig bestemmelserne om : tional om at meddele aftalens ordlyd.
The AFB replied, by letter dated 17 October 1984, that, although the French banks had acceded to the package deal Agreement as regards cash withdrawals by foreigners at bank counters in France, they had not agreed to the provisions regarding :
Eurocheque International svarede den 7. juni 1989 : »Eurocheque Assembly er i henhold til Eurochequesystemets gældende vedtægter systemets øverste organ.
'in accordance with the by-laws in force in the Eurocheque system, the Assembly is the highestlevel body of the community.
Beslutningerne træffes her og meddeles i referater.
Decisions are taken by it and recorded in minutes.
Principperne i den interne aftale mellem de franske pengeinstitutter og Eurocheque Assembly blev vedtaget pi Eurocheque Assemblys møde i Helsinki den 19. og 20. maj 1983 og er derfor ikke nedfældet i noget officielt dokument undertegnet af de pågældende parter.« hverken indløsning af udenlandske eurochèques i den franske nonbanking sektor, eller privatpersoners (franskmænds) indløsning af udenlandske eurocheques i franske banker.
The principles of the internal agreement between the French financial institutions and the Eurocheque Assembly were adopted at the Assembly's meeting held in Helsinki on 19 and 20 May 1983 and were not, therefore, set out in a formal document signed by the parties concerned'.
Efter at Kommissionen havde insisteret herpå meddelte Eurocheque International endelig aftalens ordlyd i et supplerende svar den 17. august 1989.
Subsequently, in a supplementary reply sent on 17 August 1989, Eurocheque International finally sent the text of the agreement, when pressed to do so by the Commission.
Dette svar synes imidlertid ikke at stemme med den anmeldelse af Package Dealaftalen, som Euro cheque International indgav den 7. juli 1982 på vegne af samtlige medlemmer af Eurocheque Assembly — herunder den franske bankforening — idet denne anmeldelse også vedrørte »åbning af nonbanking sektoren«.
However, this reply by the AFB is at variance with the notification on 7 July 1982 by Eurocheque International, on behalf of all the members of the Eurocheque Assembly (to which the AFB belonged), of the package deal Agreement, which covered the 'opening-up of the nonbanking sector'.
Det blev ikke nævnt i anmeldelsen, at en national Eurocheque-sammenslutning kun havde tilsluttet sig dele af Package Deal-aftalen.
Nowhere in the notification was it stated that a national Eurocheque community had only partially acceded to the package deal Agreement.
Titlen på denne aftale lyder : »aftale mellem de franske pengeinstitutter og Eurocheque Assembly om indløsning af eurocheques, trukket på uden landske pengeinstitutter, i den franske nonbanking sektor efter de principper, der blev vedtaget på Eurocheque Assemblys møde i Helsinki den 19. og 20. maj 1983«.
The Agreement is entitled 'Agreement between the French financial institutions and the Eurocheque Assembly on the acceptance by traders in France of Eurocheques drawn on foreign financial institutions in accordance with the principles adopted at the meeting of the Eurocheque Assembly held in Helsinki on 19 and 20 May 1983'.
Den franske bankforening anførte desuden følgende : »de franske banker, der er medlemmer af Groupement carte bleue, har forsøgsvis accepteret at lade de handlende, der er tilsluttet systemet, indløse udenlandske eurocheques på de samme vilkir, som dem, der gælder for kunder, der er i besiddelse af et Carte bleue eller et Visa-kort.
The AFB also stated that 'the French banks which are members of the Groupement Carte bleue have agreed, on an experimental basis, to open up their trader network to foreign Eurocheques on the same terms as to customers who are Carte bleue or Visa card holders.
Denne aftale, der omfatter næsten 300 000 handlende i Frankrig, falder uden for Package Deal-aftalen.« len.«
This agreement, which covers almost 300 000 traders in France, falls outside the package deal'.
Aftalen indeholder bL·. følgende bestemmelser :
The Agreement includes in particular the following provisions :
I beslutning 85/77/EØF henviste Kommissionen i betragtning 22 til denne situation, som den havde fiet beskrevet som »forsøgsvis«.
In recital 22 of Decision 85/77/EEC, the Commission made reference to this situation, which had been presented to it as being 'on an experimental basis'.
For varer og tjenester, der betales med eurocheques, opkræver medlemmerne af Groupe ment Carte bleue og Eurocard et gebyr af de handlende, der er tilsluttet systemet ; dette gebyr mi ikke være højere end ved betaling med Carte bleue og Eurocard (').
'— in respect of purchases paid for by Eurocheques, the members of the Groupement Carte bleue and of Eurocard will charge their affiliated traders a commission which may not be greater than that applicable to payments by Carte bleue and Eurocard payments (').
På grundlag af flere klager, der var indgået efter Kommissionens beslutning om fritagelse, sendte Kommissionen i 1988 en række franske pengeinstitutter en begæring om oplysninger.
In 1988, in response to various complaints received following Decision 85/77/EEC, the Commission sent requests for information to various French credit institutions.
Et af disse institutter svarede mere præcist, end den franske bankforening havde gjort i 1984 : »ensartet behandling af betalinger med eurocheques og med kort tygget pi en beslutning, der blev truffet af Euro cheque Assembly den 19. og 20. maj 1983 i Hensinki.·
One of these replied, in greater detail than the AFB had done in 1984, that: The treatment of payment by Eurocheque in the same way as payment guaranteed by a card derives from a decision taken in Helsinki on 19 and 20 May 1983 at che Eurocheque Assembly'.
— De banker, der er medlemmer af Groupement Carte bleue og Eurocard, påser, at de handlende, der er tilsluttet systemet, ikke forhøjer prisen, når der betales med eurocheques, selv når det drejer sig om særtilbud eller udsalg.
— The banks which are members of the Groupe ment Carte bleue and of Eurocard will ensure that their affiliated traders do not increase the price of purchases paid for by Eurocheque, even in the case of special offers or sales.
I en begæring af 11. april 1989 om oplysninger anmodede Kommissionen Eurocheque Interna
In a request for information which it sent on 11 April 1989, the Commission requested Eurocheque International to send it the text of the agreement.
Nr. L 95/57 oktober 1988 (') groupement at ophæve denne bestemmelse inden den 31. december 1989.
No L 95/57 use abroad'. The French Conseil de la concurrence, in its decision No 88-D-37 of 11 October 1988 ('), called on the Groupement to abolish this clause before 31 December 1989.
D. Procedurens forløb
D. The proceedings
Hvis den handlende bryder ovennævnte principper, griber de franske banker og pengeinstitutter ind hurtigst muligt for at sikre, at principperne overholdes for fremtiden.
If the affiliated trader contravenes the principles set out above, the French banks and financial institutions will take action as soon as possible so as to ensure that they are complied with in future.
Hvis der opkræves et gebyr af indehaveren af den uden landske eurocheque, refunderer de franske banker og pengeinstitutter trassatbanken dette beløb.
Where the commission charged has been passed on to the holder of the foreign Eurocheque, the French banks and financial institutions will retrocede the amount to the issuing bank.
I gentagelsestilfælde iværksætter de franske banker og pengeinstitutter de samme sanktioner som ved Carte bleue og Eurocard.
Where there is recurrence of breaches of the principles, the French banks and financial institutions will adopt identical sanctions to those imposed in respect of Carte bleue or Eurocard in the same circumstances.
Ved clearingen af udenlandske eurocheques udstedt i Frankrig opkræves der i overensstemmelse med Package Dealaftalen et gebyr pi 1,25 % af den samlede eurocheque-remisse via de nationale clearingcentre.«
During the clearing of foreign Eurocheques drawn in France and in accordance with the provisions of the package deal Agreement, a commission of 1,25 % of the amount of all the abovementioned cheques will be added and charged via the national clearing houses'.
Bide anvendelsen af den oprindelige Package Dealaftale siden beslutning 85/77/EØF og de ændringer, der herefter er foretaget i aftalens ordlyd, fik den 31. juli 1990 Kommissionen til at sende Euro cheque International en meddelelse af klagepunk ter, der ogsi omfattede Helsinkiaftalen.
Both the use which was made of the initial package deal Agreement following Decision 85/77/EEC and the changes which were made to the text of the agreement following the exemption prompted the Commission, on 31 July 1990, to send Eurocheque International a Statement of Objections, which also included the Helsinki Agreement.
Samme dag fik groupement tilsendt en meddelelse af klagepunkter, som udelukkende vedrørte Helsinkiaftalen.
A Statement of Objections which covered only the Helsinki Agree ment was simultaneously sent, on the same day, to the Groupement.
I aftalens punkt 8 er det desuden fastsat, at der ingen udgangen af 1984 skulle gøres status over erfaringerne med hensyn til gebyrberegningen.
It was also provided, in point 8 of the Agreemenc, that, before the end of 1984, the position regarding charges would be reviewed.
I virkeligheden synes der dog ikke at være blevet gjort status efter et ir, og aftalen fandt uden videre anvendelse indtil maj 1991, dog med den undtagelse, at der ikke længere blev opkrævet et gebyr pi 1,25 %, som fastsat i Package Dealaftalen, men et gebyr pi 1,60 % med et mindstebeløb pi 2 sfr.
In practice, it does not appear that any such review was carried out at the end of a year, and the Agreement continued to apply unchanged until May 1991, the only difference being that it was longer a 1,25 % commission that was charged in accordance with the package deal Agreement, but a 1,60 % commission with a minimum amount of Sfr 2.
— utilstrækkelige oplysninger :
— the lack of information :
Kommissionen bebrejdede især Eurocheque, at man ikke havde overholdt det pibud, der var knyttet til beslutningen om fritagelse af 1984, og som vedrørte de oplysninger, der efterfølgende skulle meddeles eurocheque-udstederen
(27) in particular, Eurocheque was charged with not having complied with the obligation imposed under Decision 85/77/EEC regarding the detailed ex-post information to be provided to drawers of Eurocheques,
— gebyrberegning :
— charges :
Med hensyn til interbankgebyret bebrejdede Kommissionen Eurocheque, at samtlige medlemmer systematisk anvendte et maksimumgebyr på 1,60 %, samt at der var indført et mindstebeløb på 2 sfr. ; desuden bebrejdede den Eurocheque, at interbankgebyret ifølge en ensartet praksis systematisk blev væltet over på kunderne, dvs. eurocheques-udstederne
(28) with regard to the interbank commission, Euro cheque was charged, firstly, with the systematic application by all the system's members of the maximum amount of 1,60 % and, secondly, with the introduction of a minimum amount of Sfr 2 for the interbank commission ; in addition, Eurocheque was charged with the fact that this, in practice, uniform interbank commission was consistently and systematically passed on in full to customers, i.e. to the drawers of the Eurocheques,
Siden indgåelsen af aftalen i 1983 er der sket en anden forholdsvis vigtig ændring — i hvert fald i teorien — som vedrører aftalens rækkevidde ; groupements ledelse vedtog nemlig den 25. oktober 1985 en instruks om, at det ensartede gebyr, medlemmerne af Groupement des cartes bancaires opkrævede hos de handlende for alle betalinger med CB-kort, skulle afskaffes.
Since the conclusion of the Agreement in 1983, another change of relative importance, at least in theory, with regard to its scope took place when the 'conseil de direction' of the Groupement adopted, on 25 October 1985, a directive under which the uniform rate of the commission hitherto charged to traders by the members of the Groupement in respect of all payments by the CB card was abandoned. doned.
— begrænsning af anvendelsen af eurocheques :
— the limits imposed on the use of Eurocheques :
Parallelt med Helsinkiaftalen indeholdt protokollen af 31. juli 1984 (jf. betragtning 2) en bestemmelse om, at »den uniforme eurocheque fra 1. juli 1986 ikke længere kan udstedes med gratis betalingsgaranti i Frankrig; den kan kun udstedes til brug i udlandet«. Det franske konkurrenceråd pålagde ved sin beslutning nr. 88-D-37 af 11.
Parallel to the Helsinki Agreement, the protocol of 31 July 1984 (referred to in recital 2 above) included a clause under which 'as from 1 July 1986, the uniform Eurocheque will no longer be issued with a free-of-charge guarantee of payment in France ; it may continue to be issued only for