natgillin/translations-raw huggingface dataset:
Med henblik på Den Økonomiske og Monetære Union skal betalingssystemerne forbedres, således at betalinger på tværs af grænserne inden for Fællesskabets indre marked bliver hurtigere, billigere og mere pålidelige, end de er for øjeblikket.
The prospect of economic and monetary union underlines the need to improve payment systems in such a way that cross-border payments within the Community's internal market are more rapid, less expensive and more reliable than is currently the case.
Kommissionen offentliggjorde i denne forbindelse den 14. februar 1990 en henstilling om gennemsigtighed med hensyn til bankvilkårene for gennemførelsen af grænseoverskridende finansielle transaktioner (resumé 1.15).
In this context, the Commission published on 14 February 1990 a recommendation on the transparency of banking conditions relating to cross-border financial transactions (summary 1.15).
På det indre marked bør betalinger fra land til land og fra en valuta til en anden kunne foretages lige så hurtigt som inden for en medlemsstat, og de bør ikke være dyrere.
In the single market payments made from one country to another and converted from one currency into another should be as rapid as within a Member State and should be no more expensive.
Det er imidlertid endnu ikke tilfældet.
This is not yet the case.
Det er derfor, EF-Kommissionen har ønsket at indlede et samarbejde med bankerne. Den har foretrukket denne pragmatiske fremgangsmåde frem for at vedtage en forordning eller et direktiv.
The Commission has therefore sought the cooperation of banks, preferring a pragmatic method to one based on Regulations or Directives.
I foråret 1992 fremsatte EF-Kommissionen forslag om et »brugercharter«.
In the spring of 1992 the Commission put forward a proposal for a users' charter'.
— grænseoverskridende betalinger bør gøres hurtigere.
— the bank should inform the user of the most appropriate payment services available;
— brugeren bør under alle omstændigheder have samme adgang til en klageprocedure som ved nationale betalinger.
— the user should be given in advance full information regarding the total cost of a payment; — the user should have the option of paying all charges so that the beneficiary receives the full sum sent; — cross-border payments should be speeded up, the objective being to achieve the same rapidity and reliability as for domestic payments by Stage Three of EMU; — the user should have access to redress procedures at least equivalent to those existing for domestic payments.
Ajourføring af fortegnelsen over kreditinstitutter, der er undtaget fra anvendelsesområdet for Fællesskabets samordningslovgivning vedrørende deres virksomhed.
To update the list of credit institutions excluded from Community coordinating legislation concerned with their operation.
Rådets direktiv 86/524/EØF af 27. oktober 1986, om ændring af Rådets direktiv 77/780/EØF, for så vidt angår fortegnelsen over permanente undtagelser gældende for visse kreditinstitutter.
Council Directive 86/524/EEC of 27 October 1986 amending Directive 77/780/EEC in respect of the list of permanent exclusions of certain credit institutions.
Medlemsstaternes centralbanker, postvæsenet, postgirokontorerne og andre specificerede kreditinstitutter er undtaget fra anvendelsesområdet for Rådets første direktiv 77/780/EØF (EFT L 322 af 17.12.1977) om adgang til at optage og udøve virksomhed som kreditinstitut.
The central banks of the Member States, the post office, giro institutions and other specified credit institutions are excluded from the scope of Council Directive 77/780/EEC (Official Journal L 322, 17.12.1977), the first Directive on the taking up and pursuit of the business of credit institutions.
De pågældende virksomheder er undtaget, fordi de generelt er underlagt en anden tilsynsordning end bankernes.
The institutions in question are excluded because they are generally supervised in a different manner from banks generally.
Ansvaret påhviler værtslandet, medmindre der er indgået bilaterale aftaler med hjemlandet. 4.
Responsibility lies with the authorities in the host Member State, except where bilateral agreements exist with the home country.
Regler for likvidation af kreditinstitutter, der har deres hovedkontor inden for Fællesskabet; f.eks. de ansvarlige myndigheders rolle, virkninger på bankautorisationen, likvidatorernes grænseoverskridende beføjelser.
Rules for the windingup of credit institutions having their head office within the Community, e.g. role of the regulatory authorities, effect on banking authorization, crossfrontier powers of liquidators. 5.
Førstebehandling: Europa-Parlamentet godkendte Kommissionens forslag under forbehold af et antal henstillinger om ændringer.
(4) Opinion of the First reading: The European Parliament approved the Commission's European Parliament proposal subject to a number of recommendations for amendment.
En henstilling vedrørte offentliggørelsen i EFT af uddrag af beslutningen, der påbyder reorganiseringsforanstaltningen, når det er muligt at anke beslutningen.
One recommendation concerned the publication in the Official Journal of extracts from the decision ordering the reorganization measure, when an appeal against this decision is possible.
Kommissionen accepterede også en anden henstilling, om at et andet tillæg skulle tilføjes, der definerede de likvidationsprocedurer, der henvises til i direktivet.
The Commission also accepted another recommendation that a second annex be added defining the windingup procedures referred to in the Directive.
Et ændret forslag, der tager hensyn til kommentarerne fra Europa-Parlamentet og Det økonomiske og Sociale Udvalg, er blevet forelagt Rådet.
An amended proposal taking account of the comments of the European Parliament and the Economic and Social Committee is before the Council.
Samarbejdsproceduren vil finde anvendelse, og Europa-Parlamentet får således mulighed for en andenbehandling, når der foreligger en fælles holdning.
The cooperation procedure will apply giving the European Parliament the opportunity of a second reading once it has received the view of the Council at the end of its common position.
At forstærke tilsynet med kreditinstitutter, som indgår i en koncern, særlig ved at udvide det konsoliderede tilsyn til også at omfatte bankkoncerner, hvis moderselskabet ikke er et kreditinstitut.
To reinforce supervision of credit institutions belonging to a group, particularly by extending the scope of supervision on a consolidated basis to banking groups whose parent undertaking is not a credit institution.
Definitioner af »kreditinstitut«, »finansieringsinstitut«, »finansieringsselskab«, »blandet selskab«, »accessorisk bankservicevirksomhed«, »kapitalinteresser«, »moderselskab«, »datterselskab« og »kompetente myndigheder«.
Definitions of the terms 'credit institution', 'financial institution', 'financial holding company', 'mixed-activity holding company', 'ancillary banking services undertaking', 'participation', 'parent undertaking', 'subsidiary' and 'competent authorities'.
For at sikre ensartet gennemførelse af bankdirektiverne er anvendelsesområdet det samme som for de andre bankdirektiver, navnlig Rådets direktiv 89/646/EØF (resumé 1.4).
In order to ensure uniform application of the banking Directives, the scope is the same as in the other Directives, and in particular Council Directive 89/646/EEC (summary 1.4).
Da retsakten endvidere indeholder bestemmelser for finansieringsinstitutter og blandede selskaber, er disse selskabsformer også omfattet af anvendelsesområdet.
Furthermore, as the Directive includes provisions applicable to financial holding companies and mixed-activity holding companies, these enterprises are also covered in the scope.
Forpligtelsen til at føre tilsyn med et kreditinstitut, hvis moderselskab er et finansieringsselskab, på et konsolideret grundlag er den vigtigste nyskabelse i dette direktiv. 4.
The requirement that supervision of a credit institution whose parent company is a financial holding company should be carried out on the basis of its consolidated financial position constitutes the main innovation in this proposal.
Behandling i det tilfælde, når en individuel virksomhed ikke skal medtages i konsolideringen. 5.
Analysis of the cases in which an individual enterprise may be excluded from consolidation. 5.
Den eneste undtagelse er tilfælde, hvor moderselskabets ansvar klart er begrænset til den del af kapitalen, den besidder, idet de øvrige aktionærers og selskabs deltageres subsidiære ansvar udtrykkeligt skal være fastslået.
A single exception is provided for, which covers the case where the responsibility of the parent undertaking is clearly limited to its part of the capital because of the subsidiary responsibility of other shareholders or members.
Indtil en senere samordning af konsolideringsmetoderne fastsætter medlemsstaterne, at når moderselskabet for et eller flere kreditinstitutter er et blandet selskab, skal de kompetente myndigheder, der er ansvarlige for tilladelse til og tilsyn med disse kreditinstitutter, forlange af det blandede selskab og dets datterselskaber, at de meddeler de nødvendige oplysninger til brug for det konsoliderede tilsyn.
Pending further coordination of the consolidation methods, Member States must ensure that, where the parent undertaking of one or more credit institutions is a mixed-activity holding company, the competent authorities responsible for the authorization and supervision of those credit institutions require the mixed-activity holding company and its subsidiaries to supply any information necessary for supervision on a consolidated basis to be exercised.
For koncerner, der ledes af et finansieringsselskab eller et blandet selskab, udøver de kompetente myndigheder i det land, hvor moderselskabet er beliggende, kun det konsoliderede tilsyn, såfremt koncernen omfatter et kreditinstitut, der er etableret i det pågældende land.
In the case of groups headed by a financial holding company or mixed-activity holding company, the competent authorities in the country in which the parent undertaking is situated do not themselves exercise supervision on a consolidated basis where that group does not include a credit institution established
Der er således grund til at fjerne eventuelle hindringer i tredjelande for overførslen af de nødvendige oplysninger og i givet fald bestræbe sig for at ophæve dem med henblik på det konsoliderede tilsyn gennem aftaler med de pågældende lande.
It is therefore necessary to ensure that there are no impediments in third countries to the transfer of the necessary information and, where such impediments do exist, to endeavour to remove them for the purposes of consolidated supervision by means of agreements with the countries in question.
Fri udveksling af banktjenesteydelser: Andet bankdirektiv
Freedom to provide banking services: second Directive
At sikre fri etableringsret og fri udveksling af banktjenesteydelser for kreditinstitutter.
To ensure freedom of establishment for, and freedom to provide, banking services.
Definition af begreberne »kreditinstitut«, »tilladelse«, »filial«, »kvalificeret deltagelse«, »datterselskab« og »solvensnøgletal«. 2.
Definitions of the terms 'credit institution', 'authorization', 'branch', 'qualifying holding', 'subsidiary', 'solvency ratio', etc. 2.
Medlemsstaterne kan dog meddele tilladelse til særlige kategorier af kreditinstitutter (andelsselskaber, boligkreditselskaber osv), hvis startkapital ikke er mindre end 1 mio. ECU.
However, Member States are free to grant authorization to particular categories of credit institution (cooperatives, building societies, etc.) whose initial capital is not less than ECU 1 million.
I en overgang, nemlig fra 1991 til udgangen af 1992, må den indskudskapital, der kan kræves af filialer, ikke overstige 50% af den startkapital, som i henhold til den nationale lovgivning kræves for meddelelse af tilladelse til et kreditinstitut af samme art.
As a transitional measure covering the period 1991 to the end of 1992, the required initial endowment capital for the branch will not exceed 50% of the initial capital required by national rules for the authorization of credit institutions of the same nature.
Forbindelserne med tredjelande: — Medlemsstaterne underretter Kommissionen om enhver meddelelse af tilladelse til et direkte eller indirekte datterselskab, hvis moderselskaber henhører under et tredjelands ret, samt om et sådant moderselskabs erhvervelse af kapitalinteresser i et kreditinstitut i Fællesskabet, som bevirker, at dette kreditinstitut bliver dets datterselskab.
Relations with third countries: — Member States are to inform the Commission of any authorization they grant to a direct or indirect subsidiary of a parent undertaking which is governed by the laws of a third country and of any holding acquired by such a parent undertaking in a Community credit institution such that the latter would become its subsidiary;
— Medlemsstaterne underretter Kommissionen om alle generelle vanskeligheder, som deres kreditinstitutter har mødt i forbindelse med etablering eller udøvelse af bankvirksomhed i et tredjeland; Kommissionen udarbejder derpå med jævne mellemrum en rapport, hvori den gennemgår behandlingen af EF-kreditinstitutter i tredjelande, og som oversendes til Rådet.
— Member States are to inform the Commission of any general difficulties encountered by their credit institutions in establishing themselves or carrying on banking activities in a third country; the Commission is to draw up periodically a report examining the treatment accorded to Community credit institutions in third countries and to transmit it to the Council;
— Hvis Kommissionen konstaterer, at et tredjeland ikke indrømmer EF-kreditinstitutter en faktisk adgang til markedet svarende til den,
— where the Commission finds that a third country is not granting Community credit institutions effective market access comparable to
Fællesskabet indrømmer kreditinstitutter fra dette tredjeland, kan Kommissionen anmode Rådet om et passende forhandlingsmandat med henblik på at opnå tilsvarende konkurrencevilkår for EF-kreditinstitutter (rådsafgørelse med kvalificeret flertal).
93mm a un that granted by the Community to credit institutions from that third country, it may ask the Council for the appropriate mandate for negotiation with a view to obtaining comparable competitive opportunities for Community credit institutions (the Council to decide by a qualified majority); — where the Commission finds that Community credit institutions in a third country do not receive national treatment and that the conditions of effective market access are not fulfilled, it may initiate negotiations; this may also entail the limitation or suspension of decisions regarding requests for authorization from the third country in question for a maximum period of three months; any extension of that initial three-month period requires a qualified-majority decision by the Council.
De bestående kreditinstitutter, som på datoen for ikrafttrædelsen af direktivet overskrider de fastsatte grænser for deltagelse, har fra denne dato 10 år til at nedsætte deltagelsen.
Existing credit institutions with holdings exceeding the limits on the date of entry into force of the Directive have 10 years from that date in which to reduce those holdings.
Fast forretningssted i værtslandet.
Requirement that credit institutions have a fixed establishment in the host country.
— modtagelse af indlån og andre tilbagebetalingspligtige midler; — udlånsvirksomhed; — finansiel leasing; — betalingsformidling; — udstedelse og administration af betalingsmidler (kreditkort...); — sikkerhedsstillelse og garantier; — transaktioner for egen eller kunders regning; — medvirken ved emission af værdipapirer;
— acceptance of deposits and other repayable funds; — lending; — financial leasing ; — money transmission services; — issuing and administering means of payment (credit cards, etc.); — guarantees and commitments; — trading for own account or for account of customers; — participation in securities issues; — advice to undertakings on capital structure, industrial strategy and related questions, and advice and services relating to mergers and the purchase of undertakings; — money broking; — portfolio management and advice; — safekeeping and administration of securities; — credit reference services; — safe-custody services.
— rådgivning til virksomheder vedrørende kapitalstruktur, industristrategi og rådgivning samt tjenesteydelser vedrørende sammenslutning og opkøb af virksomheder;
Similar rights are also accorded to financial institutions (i.e. institutions which are not banks) which satisfy the following conditions:
Der skal ske udvekslinger af oplysninger og foretages en samordning, såfremt et institut ikke længere opfylder betingelserne for meddelelse af tilladelse.
Exchanges of information and coordination in cases where the institution ceases to comply with one of the authorization conditions. 11.
— 1.1.1993 — 1.1.1990: for så vidt angår artikel 6, stk. 2, vedrørende ophævelse af kravet om indskudskapital.
— 1.1.1993 at the latest; — 1.1.1990 for Article 6(2) relative to the cancellation of capital endowment.
EFTL 386 af 30.12.1989 EFT L 296 af 27.10.1990
Official Journal L 386, 30.12.1989 Official Journal L 296, 27.10.1990
Direktivet gælder for flertallet af kreditinstitutter (banker) og pengeog finansieringsinstitutter, med få undtagelser, herunder: — Grækenland: de institutter, der hører under ETEBA (den nationale investeringsbank for industriel udvikling); — Irland: »Industrial and Provident Societies«. 2. Standardiseret balanceopstilling.
The Directive applies to most credit institutions (e.g. banks) and other financial institutions with a few exceptions such as: — Greece: Eteba (National Investment Bank for Industrial Development) ; — Ireland: industrial and provident societies. 2.
Offentliggørelse af årsregnskaber som fastsat i national lovgivning Såfremt årsberetningen ikke offentliggøres, skal den kunne rekvireres til en pris, der ikke overstiger de administrative omkostninger i forbindelse hermed. 10.
Publication of annual accounts as laid down by national law. Where the annual report is not published, copies must be available at a price which does not exceed their administrative cost. 10.
5) Ikrafttrædelsesdato (hvis forskellig fra 4)
force (if different from the above)
At ophæve kravet om, at filialer af banker og andre finansieringsinstitutter med hjemsted i et andet EF-land eller i et tredjeland skal offentliggøre særskilte årsregnskaber.
To remove the need for branches of foreign banks and other financial institutions having their head office in another Member State or in a nonmember country to publish separate annual accounts.
Disse opstilles og revideres i overensstemmelse med det pågældende tredjelands lovgivning, og hvis denne ikke stemmer overens med EF-kravene til regnskabsaflæggelse, kan medlemsstater ne kræve fuldstændige filialregnskaber. 4.
However, if the rules in question are not in conformity with EC accounting requirements, Member States may require branches to publish annual accounts relating to their own activities.
1. januar 1993 eller i løbet af 1993, på samme måde som for Rådets direktiv 86/635/EØF (resumé 1.5).
1 January 1993 or during the calendar year 1993, under the same conditions as for Council Directive 86/635/EEC (summary 1.5).
Midlerne til dækning af generelle kreditinstitutrisici indgår også i denne kategori ;
Funds for general banking risks (FGBR) also fall into this category;
— den supplerende egenkapital, der omfatter komponenter, f.eks. opskrlvningshenlæggelser, værdipapirer med ubestemt løbetid, skjulte reserver, de forpligtelser, der påhviler medlemmerne af andelskreditinstitutter samt ansvarlig indskudskapital.
— supplementary capital (additional own funds) consists of such items as revaluation reserves, securities of indeterminate duration, hidden reserves, commitments of members of cooperative societies and subordinated loans.
Endvidere må de forpligtelser, der påhviler medlemmerne af andelskreditinstitutter og den ansvarlige indskudskapital ikke overstige 50% af kerneegenkapitalen. egenkapitalen.
In addition, commitments of members of cooperative societies and subordinated loans may not exceed 50% of the core capital. 3.
En enkelt komponent (midler til dækning af generelle kreditinstitutrisici) udgør en særskilt kategori ; den medtages midlertidigt i egenkapitalen uden begrænsning, men anvendes ikke ved fastsættelsen af begrænsningen for komponenterne i den anden kategori. 4.
One item (funds for general banking risks) is provisionally excluded from both categories; it is therefore included in own funds without limit but is not used in determining the limit for the items in the second category.
Direktiverne indeholder endvidere en liste over de komponenter, der skal fratrækkes egenkapitalen, og det specificeres, hvordan egenkapitalen skal konsolideres.
The Directives also list the items which must be deducted from own funds and specifies how own funds are to be calculated on a consolidated basis. 5.
Medlemsstater, der planlægger at indføre sådanne ordninger, påser, at mindstekravene opfyldes, og træffer foranstaltninger, således at disse ordninger kan vedtages senest den 31. december 1988. 3.
Member States with plans for introducing schemes should check that the minimum requirements are met and should adopt such schemes by 31 December 1988. 3.
Medlemsstater, der ikke har en indskudsgarantiordning for alle deres kreditinstitutter, og som endnu ikke har udarbejdet planer herom, udarbejder en plan for en eller flere indskudsgarantiordninger, der opfylder mindstekravene, og sørger for, at de kan træde i kraft den 1. januar 1990.
Member States which do not have depositguarantee schemes covering all their credit institutions and which have no plans for such schemes should draw up plans for such a scheme or schemes meeting the minimum requirements and should ensure that it or they are in force by 1 January 1990.
Der er ikke fastsat nogen frist, da det drejer sig om en henstilling.
No deadline as this measure is only a recommendation.
Medlemsstaterne giver Kommissionen meddelelse om de ændringer, der foretages i deres indskudsgarantiordninger, og om de bestemmelser eller forslag, der vedtages i overensstemmelse med henstillingen.
Member States must inform the Commission of any changes made to their depositguarantee schemes and of all measures or plans adopted in connection with the Recommendation.
Kommissionen har udarbejdet et direktivforslag på dette område (resumé 1.9).
A proposal for a Directive drawn up by the Commission (summary 1.9).
At beskytte indskydere i alle kreditinstitutter samt at sikre stabiliteten inden for hele banksektoren.
To protect the depositors of all credit institutions and to safeguard the stability of the banking system as a whole.
Forslag til Rådets direktiv om indskudsgarantiordninger.
Proposal for a Council Directive on depositguarantee schemes.
Definition: »Indskud«: indestående beløb, der hidrører fra indlån eller fra mellemtransaktioner foretaget som led i almindelige bankforretninger, og som skal tilbagebetales af kreditinstituttet på bestemte vilkår fastsat ved lov eller ved aftale, samt krav i form af omsætningspapirer, der er udstedt af et kreditinstitut.
Definition of the term 'deposit': credit balances which result from funds left in accounts or from temporary situations deriving from normal banking transactions and which the credit institution must repay under the legal and contractual conditions applicable, and claims for which negotiable certificates have been issued by a credit institution.
Udelukket fra garantiordning er interbankindskud samt efterstillede lån.
Interbank deposits and subordinated loans are excluded from the guarantee.
Medlemsstaterne kan udelukke visse andre former for indskud. 2.
Certain other deposits may be excluded by Member States.
Direktivet bygger på to principper: — godkendte institutter skal obligatorisk være tilsluttet en indskudsgarantiordning, og indskud i filialer dækkes via den i hjemlandet gældende indskudsgarantiordning.
Two principles underlie the proposal for a Directive: — All authorized institutions must take part in a depositguarantee scheme, and the guarantee scheme in the home Member State must cover the deposits of branches.