natgillin/translations-raw huggingface dataset:
Consumer bankruptcy institute was introduced with the aim of creating a system which would result in the creation of opportunity to reprogram the commitments or provide a new start for insolvent consumers, and provide appropriate compensation of creditors' claims.
Institut stečaja potrošača uvodi se s ciljem izgradnje sustava koji će rezultirati stvaranjem uvjeta insolventnim potrošačima za reprogramiranje njihovih obveza ili novi početak, a vjerovnicima omogućiti ravnomjerno namirenje njihovih tražbina.
Additional objectives include creating opportunities to reach agreement between creditors and debtors through informal (non-institutional) and formal (institutional) framework, and creating opportunities for responsible and economically rational consumer behaviour, as well as relieving the system from multiple unsuccessful enforcement proceedings.
Posebni ciljevi su stvaranje uvjeta da se kroz neformalne (neinstitucionalne) i formalne (institucionalne) okvire postigne dogovor između vjerovnika i dužnika oko restrukturiranja postojećih tražbina, stvaranje uvjeta za odgovorno i ekonomski racionalno ponašanje potrošača te rasterećenje sustava od bezuspješnih i višestrukih ovršnih postupaka.
Consumer bankruptcy institute gives for a new accountable beginning to over-indebted consumers a chance and a chance for satisfactory settlement to creditors, even when a consumer has no access to funds needed to settle creditors' claims.
Uvođenjem instituta stečaja potrošača omogućava se prezaduženim građanima prilika za novi odgovorniji početak, kao i efektivno namirenje vjerovnika čak i u situaciji kada potrošač nema trenutnih sredstava iz kojih bi se mogle namiriti tražbine vjerovnika.
In the period before the great financial crisis, a large number of household and corporate loans attached to the Swiss franc was granted in Croatia.
U Hrvatskoj je u razdoblju prije velike financijske krize izdan veliki broj kredita stanovništvu i poduzećima vezanih uz švicarski franak.
Over the past few years the Croatian Government has repeatedly intervened in the relations between the loan beneficiaries and commercial banks in order to help alleviate negative consequences caused by the strengthening of Swiss franc on such loans.
Tijekom posljednjih nekoliko godina Vlada je u više navrata posredovala u odnosima između korisnika kredita i poslovnih banaka kako bi pomogla ublažiti posljedice izazvane jačanjem švicarskog franka na takve kredite.
Following the Decision of the Swiss National Bank on the abolition of fixed exchange rate for Swiss franc against euro and the consequent rapid growth of the exchange rate of Swiss franc against kuna of 15 January 2015, on 23 January 2015 the Parliament passed a temporary measure of freezing the exchange rate for conversion of such loans in kunas at 6.39/1.
Nakon Odluke Švicarske narodne banke od 15. siječnja 2015. o ukidanju fiksiranja tečaja švicarskog franka prema euru i posljedičnog naglog rasta tečaja švicarskog franka u odnosu na kunu, Sabor je 23. siječnja 2015. donio privremenu mjeru zamrzavanja tečaja konverzije takvih kredita u kune na razini 6,39/1.
This freeze applies only to loans for natural persons (consumers, craftsmen and freelancers) in Swiss francs.
Zamrzavanje se odnosi isključivo na kredite fizičkih osoba (potrošača, obrtnika i slobodnih zanimanja) u švicarskom franku.
This measure intended to prevent panic caused by the negative consequences and a disproportionate burden on the population after the rapid growth of the exchange rate and the subsequent rise of instalments and principle.
Ova mjera imala za cilj spriječiti paniku nastalu zbog negativnih posljedica i neproporcionalan teret na stanovništvo nakon naglog rasta tečaja i posljedičnog rasta otplatnih obroka i glavnice.
Approximately 60.000 loans were affected. The volume of these loans amounts to about HRK 22 billion of which 80 % are housing loans.
Radi se o gotovo 60 000 kreditnih partija pri čemu je volumen ovih kredita oko 22 milijarde kuna od čega je 80% stambenih kredita.
Immediately after the Decision to temporary freeze the exchange rate (for one year) was passed, a Working Group led by the Ministry of Finance, as the mediator in the process of finding a lasting solution between loan holders and banks, and which, except contracting parties, also gathers other participants in legal, economic, social and political issues (Croatian National Bank, Ministry of Justice and Ministry of Social Policy and Youth) was established.
Odmah po donošenju odluke o privremenom zamrzavanju tečaja (na godinu dana), oformljena je Radna skupina, predvođena Ministarstvom financija kao medijatorom u procesu pronalaženja trajnog rješenja između korisnika kredita i banaka, te koja, uz ugovorne stranke, okuplja i ostale dionike u ovom pravnom, ekonomskom, socijalnom i političkom pitanju (Hrvatsku narodnu banku, Ministarstvo pravosuđa i Ministarstvo socijalne politike i mladih).
The goal of this Working Group is to find a compromise which is acceptable to both banks and loan holders, which would, in long-term, solve the problem of loans attached to Swiss franc and at the same time be in accordance with the principles of European Union law, particularly the free movement of capital and the principle of proportionality.
Cilj ove radne skupine jest pronaći kompromisno rješenje, prihvatljivo bankama i korisnicima kredita, koje će dugoročno riješiti problem kredita vezanih uz švicarski franak i koje će biti u skladu s načelima prava Europske unije, posebice slobode kretanja kapitala i načelom proporcionalnosti.
Croatia will consult the European Commission on the aforementioned solution.
O navedenom rješenju Hrvatska će obaviti konzultacije s Europskom komisijom.
The Croatian National Bank has conducted a comprehensive review of banks' portfolio based on two main activities: i) complementing the Asset Quality Review on important portfolios of large banks that were not included in Asset Quality Review performed by the European Central Bank, within the framework of Single Supervisory Mechanism, and ii) conducting a portfolio screening of key medium and small banks.
Hrvatska narodna banka (HNB) izvršila je sveobuhvatnu provjeru portfelja banaka kroz dvije glavne aktivnosti: i) dopunila je provjeru kvalitete imovine (Asset Quality Review, AQR) za bitne portfelje velikih banaka koji nisu bili uključeni u AQR Europske središnje banke (ECB) u okviru Jedinstvenog supervizorskog mehanizma (SSM), te ii) provela je provjeru portfelja ključnih srednjih i malih banaka.
These activities were carried out by large banks' direct (on-site) supervision of business operations and review of portfolios that were not reviewed by the European Central Bank, mid-size and small banks' direct supervision of business operation, and indirect (off-site) screening of selected banks' portfolios.
Navedene aktivnosti obavljene su putem izravnog (on-site) nadzora poslovanja i ispitivanja portfelja velikih banaka koji nisu provjereni od strane ECB-a, izravnog nadzora poslovanja srednjih i malih banaka, kao i neizravnog (off-site) ispitivanja portfelja izabranih banaka.
The results of this comprehensive review of portfolios confirmed the image of stable financial sector which is facing the challenges of weak economic climate.
Rezultati provedene sveobuhvatne provjere portfelja potvrdili su sliku stabilnog financijskog sektora koji se suočava s izazovima slabog gospodarskog ozračja.
The capital adequacy ratio, as one of the most important indicators, is still well above the regulatory minimum and regulatory requirements of the Croatian National Bank.
Stopa adekvatnosti kapitala, kao jedan od najvažnijih pokazatelja, je i dalje znatno iznad zakonski propisanog minimuma i regulatornih zahtjeva HNB-a.
Screening the key portfolios of mid-size and small banks involved the use of methodology similar to the methodology applied in asset quality review within the Single Supervisory Mechanism framework, but which, nonetheless, differs in certain aspects, such as approach to sampling.
Provjera portfelja ključnih srednjih i malih banaka podrazumijevala je korištenje metodologije slične onoj primijenjenoj u provjeri kvalitete imovine u okviru SSM-a, no koja se ipak razlikuje od nje u određenim aspektima, primjerice u pristupu uzorkovanju.
The Croatian National Bank completed the activities aimed at meeting the recommendations within the prescribed deadline, and at the end of January 2015
Aktivnosti usmjerene na ispunjavanju preporuke HNB je izvršio u okviru zadanih rokova te je krajem siječnja 2015.
submitted a final Report on the Progress in Implementing the Recommendations to the European Commission.
Europskoj komisiji poslao završno Izvješće o napretku u provedbi preporuke.
The European Commission subsequently issued a positive opinion on the activities performed, determining the recommendation 8 completed.
Europska komisija je potom dala pozitivno mišljenje o izvršenim aktivnostima, ocijenivši preporuku 8 ispunjenom.
Through the new model of contracting primary health care, incentives were introduced to prescribe medicine within the defined rate and according to the type of population in the care of individual physician.
Kroz novi model ugovaranja primarne zdravstvene zaštite uvedeni su poticaji za propisivanje lijekova unutar definirane stope, a prema vrsti populacije u skrbi pojedinog liječnika.
Annex 8
Prilog 8.
Explanation of the calculation of the employment rate of the total population
Obrazloženje izračuna stope zaposlenosti ukupnog stanovništva
UNDERLYING ASSUMPTIONS
TEMELJNE PRETPOSTAVKE
CALCULATION OF TARGET VALUE
IZRAČUN CILJANE VRIJEDNOSTI
Industrial Strategy of the Republic of Croatia 2014-2020
Industrijska strategija Republike Hrvatske 2014.-2020.
Strengthening capacities
Jačanje kapaciteta
Pension system reforms
Reforme mirovinskog sustava
Croatian Tourism Development Strategy until 2020
Strategija razvoja turizma Republike Hrvatske do 2020.
For baseline projection of the employment rate in 2020 (without intervention), the employment rate projection 20-64 from the document of the European Commission “The 2015 Ageing Report:
Za baznu projekciju stope zaposlenosti u 2020. (bez intervencija) korištena je projekcija stope zaposlenosti 20-64 iz dokumenta Europske komisije The 2015 Ageing Report:
Underlying Assumptions and Projection Methodologies“ (page 360) was used, wherein for the year 2020, the rate is 60.0%, which is significantly higher than the previous calculation derived using an earlier draft (55.4%).
Underlying Assumptions and Projection Methodologies (str. 360) gdje za 2020. on iznosi 60,0%, što je značajno više od prethodnog izračuna dobivenog korištenjem ranijeg nacrta (55,4%).
The problem in this document is that the report data for 2013 overestimated the employment rate in the age group 20-64 (58.5%) compared to the revised published data from the Labour Force Survey (57.2%).
Problem u ovom dokumentu jest što je u izvještajnim podacima za 2013. precijenjena stopa zaposlenosti 20-64 (58,5%) u odnosu na revidirane publicirane podatke iz Ankete o radnoj snazi (57,2%).
Therefore, in developing the projection as a baseline rate (no intervention), the medium-term projection for 2020 from the aforementioned document was used, corrected by the difference in the observed employment rate in 2013:
Stoga je u izradi projekcije kao bazna stopa (no intervention) korištena srednjoročna projekcija za 2020. iz spomenutog dokumenta, korigirana za razliku u opserviranoj stopi zaposlenost 2013.:
Target value of the employment rate in relation to the baseline scenario is increased by the effect of the development strategies and individual measures of the National Reform Programme.
Ciljana vrijednost stope zaposlenosti u odnosu na bazni scenarij uvećana je za efekt razvojnih strategija i pojedinih mjera Nacionalnog programa reformi.
Industrial Strategy of the Republic of Croatia 2014-2020 presupposes adding 85 619 jobs in the sectors of activity C, F and J (manufacturing industry, construction, communications and information) - a contribution of 3.4% to the employment rate.
Industrijska strategija Republike Hrvatske 2014.-2020. pretpostavlja dodavanje 85.619 radnih mjesta u sektorima djelatnosti C, F i J (prerađivačka Industrija, građevinarstvo, komunikacije i informacije) - doprinos 3,4% na stopu zaposlenosti.
The draft document circulated the number 102 742, which was used for an earlier assessment of the contribution of 4.0%.
U nacrtu dokumenta cirkulirao je broj od 102.742 koji je bio korišten za raniju procjenu doprinosa od 4,0%.
Croatian Tourism Development Strategy until 2020 presupposes the creation of 22 000 jobs in tourism and about 10 000 jobs in non-tourist activities, but induced by the tourist activity (+ 1.3%) in the period between 2013 and 2020.
Strategija razvoja turizma Republike Hrvatske do 2020. pretpostavlja stvaranje 22.000 radnih mjesta u turizmu te oko 10.000 tisuća radnih mjesta u neturističkim djelatnostima, ali induciranih turističkom aktivnošću (+1,3%) u razdoblju 2013.-2020.
Stimulation of employment
Poticanje zapošljavanja
(AER 2015, corrected by 1.3%)
(AER 2015, korigirana za 1,3%)
Baseline projection
Bazna projekcija
Initial calculation of the target 2014
Inicijalni izračun cilja 2014.
Revision of the target 2015
Revizija cilja 2015
Calculation of the target employment rate 2020 based on the contribution of strategic interventions and reforms
Izračun ciljne stope zaposlenosti 2020, temeljem doprinosa strategijskih intervencija i reformi
Pension system reform - It is expected that pension legislation shall have a positive effect on retaining the insured persons in the labour market for a longer period of time and on later retirement of such persons, which is influenced by the following: a gradual increase of age limit for retirement and early retirement pension for women, appropriate penalisation of pensions in cases of early retirement or increase of retirement pension in the event of later retirement, part-time working possibilities for beneficiaries of retirement pensions, changes in the definition of disability, acquisition and control of disability pensions, as well as broader use of vocational rehabilitation of insured persons with partial loss of working capacity.
Reforma mirovinskog sustava - očekuje se pozitivni utjecaj mirovinskog zakonodavstva na duže zadržavanje osiguranika u svijetu rada i kasniji odlazak u mirovinu, na što utječe sljedeće: postupno povećanje dobi za starosnu i prijevremenu starosnu mirovinu za žene, odgovarajuća penalizacija mirovina u slučaju prijevremenog umirovljenja, odnosno povećanje starosne mirovine u slučaju kasnijeg umirovljenja, mogućnost rada korisnika starosne mirovine do pola punog radnog vremena, promjene u definiciji invalidnosti, stjecanju i kontroli invalidskih mirovina, te šira primjena profesionalne rehabilitacije osiguranika s djelomičnim gubitkom radne sposobnosti.
It is estimated that the pension system reform in the period between 2013 and 2020 will contribute to an increase in the number of employees by a total of 24 000 (+ 0.9%).
Procjenjuje se da će reforma mirovinskog sustava u razdoblju 2013.-2020. pridonijeti povećanju broja zaposlenih ukupno za 24.000 (+0,9%).
Given that the initial projection was based on the period between 2013 and 2020 and that the reference point in calculating the baseline level shifted by one year (2013), additional contributions of individual strategies and reforms were reduced by one year (one seventh of the value), considering that their initial activity was already included in the reference point (except for the Industrial Strategy which was adopted in 2014, and its contribution was fully taken into account).
S obzirom da se je inicijalna projekcija temeljila na razdoblju 2013.-2020., a da je referentna točka u izračunu bazne razine pomaknuta za jednu godinu (2013.), dodatni doprinosi pojedinih strategija i reformi su umanjeni za jednu godinu (jednu sedminu vrijednosti), s obzirom da je njihovo inicijalno djelovanje već uključeno u referentnu točku (osim Industrijske strategije koja je usvojena u 2014. te je doprinos uzet u obzir u cijelosti).
Measures for stimulation of employment - assuming an effect of 5% higher employment or retention of participants in the labour force and the inclusion of 30 000 new participants per year - would lead to an increase in employment by 10 500 until 2020 (+ 0.4%) in the period between 2013 and 2020.
Mjere poticanja zapošljavanja - uz pretpostavku učinka 5% većeg zapošljavanja ili zadržavanja sudionika u radnoj snazi te uključivanjem 30.000 novih sudionika godišnje vodila bi povećanju zaposlenosti od 10.500 do 2020. (+0,4%) u razdoblju 2013.-2020.
By strengthening the administrative capacities of the Croatian Employment Service and local employment partnerships through increased efficiency and new services, a reduction of frictional unemployment is expected, i.e. a 10% lower unemployment rate than in equivalent economic conditions with the current capacities (13.0% instead of 14.4% in 2020), which implies an increase in employment by 24 000 (+ 0.9%) in the period between 2013 and 2020.
Jačanjem administrativnih kapaciteta HZZ-a te lokalnih partnerstava za zapošljavanje, kroz povećanje učinkovitosti i nove usluge očekuje se smanjenje frikcijske nezaposlenosti, odnosno 10% manja stopa nezaposlenosti nego što bi pri ekvivalentnim gospodarskim uvjetima bila s tekućim kapacitetima (13,0% umjesto 14,4% u 2020.), što implicira povećanje zaposlenosti za 24.000 (+0,9%) u razdoblju 2013.-2020.
MINISTRY OF REGIONAL DEVELOPMENT AND EUROPEAN UNION FUNDS
MINISTARSTVO REGIONALNOGA RAZVOJA I FONDOVA EUROPSKE UNIJE
FINAL REPORT ON PROJECT no. 5
ZAVRŠNO IZVJEŠĆE O PROJEKTU br. 5
31 DECEMBER 2014
PROSINAC 31, 2014.
LOAN 22.881
ZAJAM 22.881
Integral Local Community Development (EIB II)
Integralni razvoj lokalne zajednice (EIB II)
Zagreb, April 2015
Zagreb, travanj 2015. godine
INTRODUCTION ...........................................................................................
UVOD ............................................................................................................
STRUCTURE OF THE SUBPROJECTS........................................................
STRUKTURA POTPROJEKATA…………………................. .................
CONCLUSION .............................................................................................
ZAKLJUČAK .............................................................................................
TABLES:
TABLICE:
Incurred expenditures - Integral Development of Local Community Project EIB II - Loan 22.881
Realizacije (nastalih izdataka) - Projekt integralnog razvoja lokalne Zajednice EIB II - Zajam 22.881
Municipal Infrastructure Multi-sector Framework Loan 22.881
Municipal Infrastructure Multi-sector Framenwork Loan 22.881
In 2014, the Ministry of Regional Development and European Union Funds continues “Integral Local Community Development” - EIB II Project (Loan number 22.881) activities, whose implementation began in 2004 and the ten-year long project is being brought to the very end of its implementation.
Ministarstvo regionalnoga razvoja i fondova Europske unije u 2014. nastavlja s aktivnostima Projekta „Integralni razvoj lokalne zajednice“ - EIB II (Zajam broj 22.881), čija je provedba započela tijekom 2004. te desetogodišnji projekt privodi samom završetku realizacije.
The project was financed using funds provided through a European Investment Bank Loan approved in the amount of 150 million EUR, within the competence of the Ministry of Regional Development and European Union Funds - MRDEUF (124.8 million EUR within the competence of the Sector for the Implementation of Regional Development Programmes and 25.2 million EUR within the competence of the Sector for Islands) and funds from the Government budget of the Republic of Croatia in the proportion of 50%:50% relative to the approved Loan, and individual local self-government units provided co-financing for the work in a specific percentage depending on their economic strength and type of subprojects.
Projekt se financirao sredstvima osiguranim temeljem Zajma Europske investicijske banke odobrenog u iznosu 150 mil. EUR u nadležnosti Ministarstva regionalnoga razvoja i fondova Europske Unije - MRRFEU (u nadležnosti Sektora za provedbu programa regionalnoga razvoja - 124,8 mil. EUR-a te u nadležnosti Sektora za otoke 25,2 mil. EUR) i sredstvima Državnog proračuna Republike Hrvatske raspoređenim u omjeru 50%:50% u odnosu na odobreni Zajam, a ovisno o svojoj ekonomskoj snazi i vrsti potprojekata, pojedine jedinice lokalne samouprave sufinancirale su izvođenje radova u određenom postotku.
Initially (until 31 December 2011), the EIB II Project was within the competence of two ministries:
Projekt EIB II je prvobitno (sve do 31. prosinca 2011.) bio u nadležnosti dvaju ministarstava:
The Ministry of Sea, Transport and Infrastructure (MSTI), now the Ministry of Maritime Affairs, Transport and Infrastructure (MMATI) and in part within the competence of the Ministry of Regional Development, Forestry and Water Management (MRDFWM), now the Ministry of Regional Development and European Union Funds (MRDEUF).
Ministarstva mora, prometa i infrastrukture (MMPI), sada Ministarstva pomorstva, prometa i infrastrukture (MPPI); a dijelom u nadležnosti Ministarstva regionalnog razvoja, šumarstva i vodnoga gospodarstva (MRRŠVG), sada Ministarstva regionalnoga razvoja i fondova Europske unije (MRRFEU).
Since 2012, the Loan is within the competence of MRDEUF.
Od 2012. godine Zajam je u nadležnosti MRRFEU-a.
The initial estimated total cost of the approved subprojects amounted to approx. 411.7 million EUR net of VAT, i.e. 3,005.1 million HRK (EIB funding share - 150 million EUR or 1,095.0 million HRK, Government budget share - 153.5 million EUR or 1,120.4 million HRK, and local self-government units share - 108.2 million EUR or 789.7 million HRK).
Inicijalni procijenjeni ukupni trošak odobrenih potprojekata iznosio je cca 411,7 milijuna EUR bez PDV-a, odnosno 3.005,1 milijuna kn (udio EIB-a u financiranju - 150 milijuna EUR ili 1.095,0 milijuna kn, udio državnog proračuna - 153,5 milijuna EUR ili 1.120,4 milijuna kn, a udio JLS-a - 108,2 milijuna EUR ili 789,7 milijuna kn).
The Project portfolio encompasses local self-government units in inland and littoral areas of the 20 counties of the Republic of Croatia, its implementation is within the competence of the Regional Development Administration (Sector for the Implementation of Development Programmes and Sector for Islands), and the portfolio consists of 661 subprojects, involving 325 local and regional self-government units.
Portfeljom Projekta obuhvaćene su jedinice lokalne samouprave kontinentalnog i priobalnog područja svih 20 županija Republike Hrvatske, čija je provedba u nadležnosti Uprave za regionalni razvoj (Sektora za provedbu razvojnih programa i Sektora za otoke) i čini 661 potprojekt te su u njega uključene 325 jedinica lokalne i područne samouprave.
Project EIB II encompassed 545 subprojects out of the 661 initially approved subprojects, while 116 subprojects were not implemented.
Od 661 inicijalno odobrenih potprojekata, Projekt EIB II obuhvatio je njih 545 dok 116 potprojekata nije provedeno.
Those were the subprojects for which the required documentation had not been obtained by March 2012 and were not ready for implementation.
Radi se o potprojektima koji do ožujka 2012. nisu imali pripremljenu svu potrebnu dokumentaciju i nisu bili spremni za provedbu.
Since 2012, the Project was being implemented in accordance with the decision of the Government of the Republic of Croatia on acceptance of the Implementation plan of the “Integral Local Community Development” - EIB II Project whereby all the works were planned to be completed by 31 December 2013, and/or within the contract term.
Realizacija Projekta od 2012. provodila se sukladno Zaključku Vlade RH o prihvaćanju Plana provedbe projekta „Integralni razvoj lokalne zajednice“- EIB II po kojem se planirao završetak svih radova do 31.12.2013. godine, odnosno u ugovorenom roku.