natgillin/translations-raw huggingface dataset:
Initiatives in support of a sectoral policy approach to promote the uptake of ICT by SMEs: The e-business strategy recommended that the State development agencies should promote ICT and e-business development support as part of an overall approach to enterprise development, rather than addressing e-business as a more remote and distinct activity.
Valdkonnapoliitilist kêsitlust toetavad algatused VKEde poolt IKTde kasutuselevýtu edendamiseks: e-êri strateegias soovitati, et riigi arenguagentuurid peaksid edenda-ma IKT- ja e-êri arendamist Ÿldise ettevýtluse arendamise raames, mitte kêsitlema e-êri kaugema ja eraldiseisva tegevusvaldkonnana.
The national e-business strategy recommended that `as a priority, action should be taken to build awareness of the legal framework for online trading'. The department approved a proposal for funding to the Information Society Commission Fund to develop a legal framework guide.
E-êri riiklikus strateegias soovitatakse, et ¶esmajoones tuleb tegutseda Interneti-kau-bandust kêsitleva ýigusliku raamistiku alase teadlikkuse týstmise nimel•: ministee-rium kiitis heaks rahaeralduse I n f o Ÿ h i s k o n n a Komisjoni Fondile ýigusraamistiku ju-hendi vêljatûûtamiseks.
The guide will inform and advise businesses of the legal and regulatory implications of e-business.
Juhend annab ettevýtetele teavet ja nýu e-êriga seotud ýiguslike mýjude kohta.
The guide will be hosted on Enter-prise Ireland's dedicated e-business website (www.OPENUP.ie).
Juhend on kêttesaadav Enterprise Ireland'i e-êri veebisaidil www.OPENUP.ie.
The aim of the business-to-business (B2B) programme is to introduce the economy of Schleswig-Holstein to e-commerce with a B2B focus.
Programmi eesmêrk on tutvustada Schleswig-Holsteini majandusele ettevýtetevahelist e-kaubandust.
SMEs are o.ered incentives for tapping the potential of electronic business operations in a clear-sighted and consistent manner.
VKEsid ergutatakse taibukalt ja jêrjekindlalt katsetama elektrooniliste êri-tehingute potentsiaali.
The risk linked to the introduction of these modern technologies is reduced by the incentive programme, which provides «nancial resources, in par-ticular for the successful design and implementation of solutions.
Nende kaasaegsete tehnoloogiate kasutuselevýtuga seotud ris-ke vêhendatakse motivatsiooniprogrammi abil, mis annab rahalisi vahendeid eelkýige lahenduste eduka kavandamise ja rakendamise jaoks.
This measure is funded by the ERDF and bene«ts SMEs in the EU Objective 2 area.
Seda meedet rahastab Euroopa Regionaalarengu Fond ja sellest saavad kasu VKEd ELi 2. eesmêrgi sihtalal.
The programme consists of consultancy, concept development and the implemen-tation of B2B solutions in various «elds such as external and internal communication processes, supplier and customer networking, in-house work‹ow and structural management, logistics, marketing and customer relationship management, the nec-essary adjustment of standard software, sta. training, evaluation and performance monitoring, and investments, for example, in the required hardware, provided that it is directly related to the B2B solution.
Programm koosneb nýustamisest, B2B-lahenduste kontseptsioonide vêljatûûtamisest eri valdkondadele (nêiteks vêlised ja sisemised suhtlusprotsessid, tarnijate ja klientidega suhtlemine, ettevýttesisene tûû ja struktuuri juhtimine, logistika, turunduse ja kliendisu-hete juhtimine), standardse tarkvara vajalikust kohandamisest, personali koolitusest, hindamisest ja tulemuste seirest ning investeeringutest nêiteks vajaliku riistvara soeta-miseks tingimusel, et see on B2B-lahendusega otseselt seotud.
Expected impact for SMEs
Oodatud mýju VKEde jaoks
Increased turnover, increased pro«t, existing jobs secured, new jobs generated, im-proved customer loyalty, greater e/ciency, better purchase conditions.
Kêibe kasv, kasumi kasv, olemasolevate tûûkohtade kindlustamine, uute tûûkohtade loomine, klientide lojaalsuse paranemine, týhususe kasv, paremad hanketingimu-sed.
SMEs in Schleswig-Holstein with their registered o/ces or premises in the EU Objec-tive 2 area.
Schleswig-Holsteini VKEd, kelle registreeritud tegevuskoht on ELi 2. eesmêrgi siht-alal.
April 2005›December 2006.
Aprill 2005 › detsember 2006.
Press releases; media information on each SME that receives support and the B2B project in question; Internet; personal consultation of SMEs; tailored publications.
Pressiteated; meedias avaldatav teave iga toetust saava ettevýtte ja kýnealuse B2B-projekti kohta; Internet; VKEde isiklik nýustamine; vajadustele kohandatud vêljaan-ded.
During the «rst phase of the programme (until the end of 2004), 10 SMEs received an allocation under this measure.
Programmi esimese etapi jooksul (kuni 2004. aasta lýpuni) eraldati meetme raames raha k Ÿ m n e l e VKE-le.
Some of these B2B projects have already been com-pleted and the introduction of e-commerce has been a success.
Mýned neist B2B-projektidest on juba lýpule viidud ja e-kau-bandus on edukalt kêivitunud.
Under the current measure (since 15 April 2005), six businesses have been given support.
Kêimasoleva meetme (alates 15. aprillist 2005) raa-mes on toetust antud kuuele ettevýttele.
Evaluators recommended increasing this type of support for individual businesses.
Hindajad soovitasid seda t Ÿ Ÿ p i Ÿksikutele ettevýtetele suunatud toetusi suurenda-da.
As a result, funding for this incentive programme has been doubled.
Selle tulemusel on kýnealuse motivatsiooniprogrammi rahastamine kasvanud kaks korda.
It is open to SMEs from all sectors and it takes e.ect even before the projects are planned and implemented.
Meede on avatud kýigi valdkondade VKEdele ning see avaldab mýju juba enne pro-jektide kavandamist ja rakendamist.
Misguided investments are avoided thanks to the in-volvement of specialised external consultancies.
Tênu erialasele vêlisele nýustamisele vêlditakse valesid investeeringuid.
Businesses would not have taken action to optimise their business processes with-out the incentive measure, or would not have done so in time.
Ettevýtted ei oleks ilma motiveeriva meetmeta êriprotsesside optimeerimise meet-meid výtnud výi ei oleks seda teinud ýigeaegselt.
OTHER CHARTER AREAS
TEISED HARTA VALDKONNAD
Other Charter areas
Teised harta valdkonnad
The European Charter for Small Enterprises calls upon the Member States and the Commission to take action in 10 key areas to support small enterprises, in particular by improving their legislative and ad-ministrative framework.
Euroopa Vêikeettevýtluse Harta kutsub liikmesriike výtma vêikeettevýtete toetamiseks meetmeid k Ÿ m n e s výtmevaldkonnas, parandades eelkýige ýiguslikke ja halduslikke raamtingimusi.
Of the 10 areas, three were selected as priorities for the 2005›06 exercise:
KŸmnest valdkonnast valiti aastate 2005 ja 2006 prioriteetideks:
(1) more out of the single market, especially easy access to information on legislation and standardisa-tion (Charter action line 6);
1) Ÿhtse turu parem êrakasutamine, eriti ýigusaktide ja standardimise kohta kêiva teabe kêttesaada-vuse lihtsustamine (harta 6. tegevussuund);
(2) business support, especially for start-ups and business transfers (part of Charter action line 9);
2) ettevýtlustoetused, eriti alustavate ettevýtete ja ettevýtete Ÿlemineku jaoks (osa harta 9. tegevus-suunast);
(3) successful e-business models, especially measures to support the uptake of e-business by SMEs (part of Charter action line 9).
3) edukad e-êri mudelid, eriti e-êri kasutuselevýtt VKEde poolt (osa harta 9. tegevussuunast).
A selection of good practices identi«ed in the above priority areas are presented in the previous chap-ters.
âlalnimetatud valdkondades vêlja selgitatud heade tavade valikut tutvustati eelmistes p e a t Ÿ k k i d e s .
Many more good practices have, however, been identi«ed in other Charter areas as well.
Palju hêid tavasid on kindlaks tehtud ka teistes harta valdkondades.
This chapter highlights good practices in the following other Charter areas:
Kêesolevas p e a t Ÿ k i s tuuakse vêlja head tavad jêrgmistes harta valdkondades:
‡ cheaper and faster start-up (Charter action line 2);
‡ odavam ja kiirem ettevýtte asutamine (harta 2. tegevussuund);
‡ better legislation and regulation (Charter action line 3);
‡ paremad ýigusaktid ja regulatsioon (harta 3. tegevussuund);
‡ improving online access (Charter action line 5);
Internetile juurdepêêsu parandamine (harta 5. tegevussuund);
‡ taxation and «nancial matters (Charter action line 7);
‡ maksundus ja « n a n t s k Ÿ s i m u s e d (harta 7. tegevussuund);
‡ strengthening the technological capacity of small enterprises (Charter action line 8);
‡ vêikeettevýtete tehnoloogilise suutlikkuse parandamine (harta 8. tegevussuund);
‡ developing stronger, more e.ective representation of small enterprises' interests at Union and na-tional levels (Charter action line 10).
‡ vêikeettevýtete huvide esindatuse tugevdamine ja týhustamine ELi ja riigi tasandil (harta 10. tege-vussuund).
Charter action line: Cheaper and faster start-up
Harta tegevussuund: odavam ja kiirem ettevýtte asutamine
A single access point counter with electronic links where it is possible to create a company in about an hour.
K i r j e l d u s âhtne teenuspunkt vajalike elektrooniliste kontaktidega, kus on výimalik umbes Ÿhe tunniga asutada ettevýte.
This is an initiative of the Ministries of Justice, Finance, Labour and Social Security, and Economy and Innovation which integrates every necessary procedure to create a company.
See on justiits-, rahandus-, tûû- ja sotsiaalministeeriu-mi ning majandus- ja innovatsiooniministeeriumi algatus, mis hýlmab kogu ettevýt-te asutamiseks vajalikku menetlust.
To start up a business in about an hour, reducing costs and making it easier to ful«l the requirements.
Asutada ettevýte umbes Ÿhe tunniga, vêhendada kulusid ja lihtsustada nýuete têit-mist.
Advertised on the government portal and the websites of every ministry involved.
Programmi reklaamitakse valitsuse ja kýigi osalevate ministeeriumide veebisaitidel.
More than 1 100 companies created since July 2005 in an average time of 1 hour and 15 minutes to ful«l all the requirements.
Alates 2005. aasta juulist on asutatud Ÿle 1100 ettevýtte, mille puhul kýigi nýuete têitmiseks kulus keskmiselt 1 tund ja 15 minutit.
The project started with six counters and, as a consequence of the results achieved, there are now 12 counters in operation.
Projekt alustas kuue teenuspunkti-ga ning praegu tegutseb neid 12.
As it is an initiative backed by several ministries, it is possible to ful«l every require-ment in one place, with lower costs and less time.
Kuna meedet toetavad mitmed ministeeriumid, on kýik vajalikud formaalsused výi-malik têita Ÿhes kohas, kulutades vêhem aega ja raha.
Important to create further counters to reach all entrepreneurs.
Kýigi ettevýtjateni jýudmiseks on têhtis luua uusi teenuspunkte.
Regulation checklist on businesslink.gov.uk
Ýigusaktide juhisloetelu aadressil businesslink.gov.uk
Charter action line: Better legislation and regulation
Harta tegevussuund: paremad ýigusaktid ja regulatsioon
SMEs in the United Kingdom can get a tailored list of regulations that are relevant to their business and cover information from every relevant government department, including tax, VAT, employment law, health and safety, patent law, and consumer protection law.
Iga âhendkuningriigi VKE saab soovi korral loetelu ýigusaktidest, mis on asjakohased just selle ettevýtte jaoks, ja sisaldab teavet kýigi asjaomaste valitsusasutuste kohta, sh teavet maksude, kêibemaksu, tûûýiguse, tûûtervishoiu ja -ohutuse, patendiýiguse ja tar-bijakaitseýiguse kohta.
Each regulation is linked to easy plain English guidance.
Igale ýigusaktile on lisatud lihtsas inglise keeles juhend.
A selection of content is made for the user from 2 000 screens of guidance.
Kasutaja jaoks tehakse valik 2000 juhendava kuvandi hulgast.
These screens are approved by subject matter experts and reviewed once every six months.
Need juhised kiidavad heaks vald-kondade asjatundjad ning need vaadatakse lêbi kord kuue kuu jooksul.
Users can save their list or sign up for e-mail alerts about each regulation.
Kasutajad saa-vad oma loetelu salvestada výi registreeruda, et saada e-postiga teateid iga ýigusakti kohta.
They can also ask for their list to be e-mailed to them.
Samuti on neil výimalus taotleda loetelu saatmist enda e-posti aadressile.
To give businesses a complete all-round perspective on the regulations that apply to them and to point them to relevant details on government departmental sites.
Anda ettevýtetele têielik Ÿlevaade nende puhul kohaldatavatest ýigusaktidest ning suunata nad asjakohase Ÿksikasjaliku teabeni ministeeriumide veebisaitidel.
All SMEs, but especially those at the smaller end.
Kýik VKEd, eriti vêiksemad.
April 2004›
Aprill 2004›„
E-mail marketing to targeted groups of SMEs; press pack; online advertising; inser-tions in newsletters that are distributed to small business owners and managers; small business exhibitions; website; search engine marketing campaign.
VKEde s i h t r Ÿ h m a d e l e suunatud e-post; ajakirjandusmaterjalid; Interneti-reklaam; tutvustused vêikeettevýtete omanikele ja juhtidele suunatud uudiskirjades; vêikeet-tevýtete messid; veebisait; turunduskampaania otsingumootorites.
In total, 108 000 users over the last 12 months.
Viimase 12 kuu jooksul oli kasutajate arv 108 000.
Of these, 50 540 completed the tool and received a payload, 11 214 sent the list to their own e-mail account and 2 381 signed up for monthly e-mail alerts; 7 147 saved their checklist to return to later.
Neist 50 540 rakendas vahendit têielikult ja sai juhendmaterjali, 11 214 saatis loetelu oma e-posti aadressile ja 2381 registreerus e-postiga saadetavate igakuiste teadete saamiseks. 7147 salvestas oma juhisloetelu hilisemaks vaatamiseks.
The tool was tested with users several months after the launch.
Vahendit katsetati koostûûs kasutajatega mitu kuud pêrast kêivitamist.
As a result, the logic is being reworked to include more screens of questions, to deliver a more personal payload and to be able to download a PDF «le of the information. The assessment by the UK Small Business Council has been overwhelmingly positive.
Selle tule-musena on lisatud têiendavaid k Ÿ s i m u s t e kuvandeid, muudetud juhendmaterjal veel individuaalsemaks ning lisatud výimalus teavet pdf-formaadis alla laadida. âhendkuningriigi vêikeettevýtete nýukoja (Small Business Council) hinnang on ol-nud êêrmiselt positiivne.
The tool has been developed through a rigorous user-centred approach based on assessing real user reactions in lab-based conditions.
Vahendi vêljatûûtamisel lêhtuti rangelt kasutajast, hinnates kasutajate tegelikke reaktsioone katsekeskkonnas.
The content has been devel-oped with departmental subject matter experts and is rigorously maintained.
Sisu tûûtati vêlja koos valdkondade asjatundjatega ministeeriumidest ning seda hallatakse hoolikalt.
It is important to create a relevant body of content and ensure its constant update.
Têhtis on luua asjakohane teabekogum ja tagada selle pidev ajakohastamine.
After this, the creation of a personalisation facility is relatively simple.
Pêrast seda on sellele lihtsam individuaalselt lêheneda.
The organisa-tion delivering the tool needs to be independent of any one regulatory department so that it can step into the user's shoes and take a neutral stance.
Organisatsioon, mis kýnealust va-hendit pakub, peab olema reguleerivast asutusest sýltumatu, et ta suudaks asetada ennast kasutaja olukorda ja výtta neutraalne seisukoht.
The Norwegian electronic public procurement portal
Norra elektrooniliste riigihangete portaal
Charter action line: Improving online access
Harta tegevussuund: Internetile juurdepêêsu parandamine
The electronic public procurement portal provides easy access to a user friendly and a.ordable tool for operational e-procurement both for public sector entities and their suppliers.
Elektrooniliste riigihangete portaal výimaldab nii avaliku sektori institutsioonidel kui nende tarnijatel pêêseda lihtsalt juurde kasutajasýbraliku ja mýistliku hinnaga e-hange-te vahendile.
The key innovation of this initiative lies in the ‹exible Internet-based ser-vice provision concept and the business model for cooperation with a private com-pany as a service provider.
Selle algatuse peamine uuenduslik aspekt seisneb paindlikus veebipýhises teenusepakkumises ja êrimudelis, kus tehakse koostûûd eraettevýtte kui teenusepakku-jaga.
This has made it easier for public sector entities and SMEs to use e-procurement and has led to a considerable reduction of cost and risk.
See on lihtsustanud nii avaliku sektori institutsioonide kui VKEde e-hangete kasuta-mist ja vêhendanud mêrkimisvêêrselt sellega seotud kulusid ja ohte.
The national ambitions for electronic public procurement are set in the e-govern-ment plan ` e N o r w a y 2009 ̌ the digital leap'. By 2007, all public sector entities will have goals, strategies and plans for their procurement that include the use of elec-tronic processes.
Riiklikud e-hangete kasutamisega seotud eesmêrgid on paika pandud e-valitsuse kavas ¶e-Norra 2009 › digitaalne h Ÿ p e • : 2007. aastaks peavad kýigil avaliku sektori institutsioonidel olema oma hangete jaoks koostatud eesmêrgid, strateegiad ja ka-vad, mis sisaldavad elektroonilise menetluse kasutamist.
By 2009, 25 % of the volume of public sector procurement will be wholly or partly achieved through competition based on electronic processes.
2009. aastaks peaks 25% kogu avaliku sektori hangete mahust olema saavutatud têielikult výi osaliselt elekt-roonilisel menetlusel pýhinevate konkurssidega.
Procurement costs falling signi«cantly.
Oluline hankekulude vêhenemine.
Quality of procurement processes enhanced.
Hankemenetluste kvaliteedi týus.
Information campaign directed at public sector purchasers and their suppliers by means of the Internet, publications, conferences, information meetings, advertising.
Avaliku sektori hankijatele ja nende tarnijatele suunatud teabekampaania Interneti, vêljaannete, konverentside, teabekoosolekute ja reklaami vahendusel.
By September 2005, the total throughput through ehandel.no was NOK 480 million (EUR 60 million) for the last 12 months.
2005. aasta septembriks oli portaali ¶ehandel.no• kaudu viimase 12 kuu jooksul liiku-nud kokku 480 miljonit Norra krooni (60 miljonit eurot).
The total number of transactions was 52 500; 34 public entities use ehandel.no for electronic ordering; 23 of these are municipali-ties, three are counties and eight are central government entities.
Tehingute koguarv oli 52 500. Elektrooniliste tellimuste esitamiseks kasutab portaali 34 avaliku sektori ins-titutsiooni.
300 suppliers (ap-prox.
Nende hulgas on 23 valda, kolm maakonda ja kaheksa keskvalitsusasu-tust.
50 % SMEs) are connected to the portal; approximately 200 are in the process of connection.
Portaaliga on liitunud 300 tarnijat (neist umbes 50% on VKEd) ja umbes 200 on liitumas.
The current public sector entities on ehandel.no represent approxi-mately 25 % of total public sector procurement expenditure (EUR 14 billion).
Praegu moodustavad portaali ¶ehandel.no• kasutavad avaliku sektori insti-tutsioonid umbes 25% kogu valitsussektori hankekuludest (14 miljardit eurot).
An international evaluation in 2005 found Norway to be among the best in Europe in electronic ordering.
2005. aasta rahvusvahelise hindamise kêigus leiti, et Norra on elektroonilise tellimise kasutamisel Ÿks Euroopa edukamaid riike.
The evaluation's recommendation to give priority to electron-ic invoice handling and publication of tenders has been followed up.
Hinnangus antud soovitust pûûrata erilist têhelepanu elektrooniliste arvetega Ÿmberkêimisele ja pakkumiste avaldamisele on jêrgitud.
Too many public sector entities focus too much on the legal aspects of public pro-curement when entering into agreements with suppliers.
Liiga paljud avaliku sektori institutsioonid keskenduvad tarnijatega lepinguid sýlmi-des liialt riigihangetega seotud ýiguslikele aspektidele.
Instead of saving their or-ganisation a lot of money through favourable contracts, they end up with a very costly way of repeatedly doing business with the same suppliers the same way as before.
Selle asemel, et sêêsta palju raha soodsaid lepinguid sýlmides, teevad nad korduvalt samade tarnijatega sama-suguseid tehinguid, mis on vêga kulukas.
This limits the possibilities for new SMEs to enter into contracts with public entities.
See piirab uute VKEde výimalusi avaliku sektori institutsioonidega lepinguid sýlmida.
Experience from the ehandel.no indicates that loyalty towards existing agreements was as low as 20›40 %.
Portaalist ¶ehandel.no• saadud koge-mus nêitab, et lojaalsus olemasolevate lepingute suhtes oli ainult 20›40%.
Charter action line: Taxation and «nancial matters
Harta tegevussuund: maksundus ja « n a n t s k Ÿ s i m u s e d
Socamut provides counter-guarantees to the tune of 50 % of the new commitments entered into by mutual guarantee societies, which are authorised to guarantee up to 75 % of the bank loans applied for by their members.
SOCAMUT annab kuni 50% ulatuses lisagarantiisid uutele kohustustele vastastikuse kêendamise Ÿhingutes, millel on ýigus tagada kuni 75% oma liikmete taotletud pan-galaenudest. Garantii maksimaalne summa on 150 000 eurot.
In order to boost micro-credit in the Wal-loon region, Socamut can provide a counter-guarantee of up to 75 % (instead of 50 %) of the guarantees subscribed to by the mutual guarantee societies for 80 % (instead of 75 %) of the bank loan.
Et suurendada mikro-krediidi pakkumist Valloonia piirkonnas, výib SOCAMUT anda kuni 75% (50% ase-mel) ulatuses lisagarantii vastastikuse kêendamise Ÿhingu antud garantiidele 80% ulatuses (75% asemel) pangalaenust.
In addition, Socamut can contribute to the costs of drawing up and examining the dossiers to an amount of EUR 500 per dossier.
Lisaks výib SOCAMUT toetada laenutaotlusdo-kumentide koostamist ja kontrollimist kuni 500 euroga taotluse kohta.
Socamut has capital amounting to EUR 14 436 805.74 at its disposal, to which equal contributions are made by European funds and regional funds.
SOCAMUTi kasutada on 14 436 805,74 euro suurune kapital, millesse Euroopa ja piirkondlikud fondid výrdseid sissemakseid teevad.
Thanks to optimum risk-sharing between public and private sectors, this measure enables signi«cant gearing to be achieved.
Tênu riski optimaalsele jaotamisele valitsus- ja erasektori vahel výimaldab see meede luua mêrkimisvêêrset «nantsvýimendust.
To promote access to investment credit and working capital for micro-enterprises and professionals; to encourage micro-credit in the Walloon region.
Edendada mikroettevýtete ja professionaalide juurdepêêsu investeerimiskrediidile ja kêibekapitalile. Edendada mikrokrediidi andmist Valloonia piirkonnas.
Information meetings and lea‹ets for banks, other developers and vendors; adver-tisements in the professional press.
Teabekoosolekud ja b r o þ Ÿ Ÿ r i d pankadele, teistele arendajatele ja pakkujatele; rek-laamid erialaajakirjanduses.
By the end of 2004, Socamut had provided counter-guarantees for 146 dossiers for a total of EUR 3 351 534, corresponding to bank loans of EUR 14 945 306 and underly-ing investments of EUR 22 343 913.
2004. aasta lýpuks oli SOCAMUT andnud lisagarantiisid 146 taotlusele, kokku 3 351 534 euro ulatuses, millega výeti pangalaene 14 945 306 eurot investeeringuteks kogu-mahus 22 343 913 eurot.
The direct gearing ratio in relation to the bank loans is 4.46 and the indirect gearing ratio in relation to the investments is 6.67.
Otsene «nantsvýimendus pangalaenude suhtes on 4,46 ja kaudne «nantsvýimendus investeeringute suhtes 6,67.
An interim evaluation of the programmes of the European Structural Funds in the Walloon region gave prominence to this original measure for risk-sharing between the public sector and the private sector and its important gearing e.ect.
Euroopa struktuurifondide programmide vahehindamine Valloonia piirkonnas kiitis seda originaalset meedet valitsus- ja erasektori vahel riski jaotamise ja olulise «-nantsvýimenduse týttu.
The multiplier e.ect generated by risk-sharing; reduction in the weighting of 100 % of the bank's commitments covered by the guarantee.
Riskijagamisega saavutatakse s Ÿ n e r g i a ; garantiiga tagatud pangakohustuste 100% kaalu vêhendamine.