natgillin/translations-raw huggingface dataset:
The proper operation of the single market in payment services is therefore vital.
Pravilno delovanje enotnega trga plačilnih storitev je torej bistvenega pomena.
At present, however, the lack of harmonisation in this area hinders the operation of that market.
Trenutno pa delovanje tega trga ovira pomanjkanje uskladitve na tem področju.
Currently, the payment services markets of the Member States are organised separately, along national lines and the legal framework for payment services is fragmented into 27 national legal systems.
Trenutno so trgi plačilnih storitev v državah članicah organizirani ločeno, glede na nacionalna pravila, pravni okvir za plačilne storitve pa je razdrobljen na 27 nacionalnih pravnih sistemov.
Several Community acts have already been adopted in this area, namely Directive 97/5/EC of the European Parliament and of the Council of 27 January 1997 on cross-border credit transfers and Regulation (EC) No 2560/2001 of the European Parliament and of the Council of 19 December 2001 on cross-border payments in euro, but these have not sufficiently remedied this situation any more than have Commission Recommendation 87/598/EEC of 8 December 1987 on a European Code of Conduct relating to electronic payment (relations between financial institutions, traders and service establishments, and consumers), Commission Recommendation 88/590/EEC of 17 November 1988 concerning payment systems, and in particular the relationship between cardholder and card issuer, or Commission Recommendation 97/489/EC of 30 July 1997 concerning transactions by electronic payment instruments and in particular the relationship between issuer and holder.
Na tem področju je že bilo sprejetih več aktov Skupnosti, in sicer Direktiva 97/5/ES Evropskega parlamenta in Sveta z dne 27. januarja 1997 o čezmejnih nakazilih in Uredba (ES) št. 2560/2001 Evropskega parlamenta in Sveta z dne 19. decembra 2001 o čezmejnih plačilih v eurih, vendar ti niso v zadostni meri odpravili težav, prav tako jih ni Priporočilo Komisije 87/598/EGS z dne 8. decembra 1987 o kodeksu poslovanja z elektronskimi plačili (odnosi med finančnimi institucijami, trgovci in podjetji za opravljanje storitev ter potrošniki), Priporočilo Komisije 88/590/EGS z dne 17. novembra 1988 o plačilnih sistemih, zlasti pa o povezavi med imetnikom in izdajateljem kartic, ali Priporočilo Komisije 97/489/ES z dne 30. julija 1997 o transakcijah z elektronskimi plačilnimi instrumenti in zlasti o povezavi med izdajateljem in imetnikom.
These measures continue to be insufficient.
Ti ukrepi še vedno niso zadostni.
The co-existence of national provisions and an incomplete Community framework gives rise to confusion and a lack of legal certainty.
Soobstoj nacionalnih predpisov in nepopolnega okvira Skupnosti ustvarja zmedo in pomanjkanje pravne varnosti.
It is vital, therefore, to establish at Community level a modern and coherent legal framework for payment services, whether or not the services are compatible with the system resulting from the financial sector initiative for a single euro payments area, which is neutral so as to ensure a level playing field for all payment systems, in order to maintain consumer choice, which should mean a considerable step forward in terms of consumer cost, safety and efficiency, as compared with the present national systems.
Zato je na ravni Skupnosti nujno vzpostaviti sodoben in celovit pravni okvir za plačilne storitve, ne glede na združljivost storitev s sistemom, ki izhaja iz pobude finančnega sektorja za enotno območje plačil v eurih, ki zaradi nevtralnosti zagotavlja enake konkurenčne pogoje za vse plačilne sisteme, da se tako ohrani izbira, ki je na voljo potrošnikom in ki naj bi bila za potrošnika znatna izboljšava v smislu stroškov, varnosti in učinkovitosti v primerjavi z obstoječimi nacionalnimi sistemi.
That legal framework should ensure the coordination of national provisions on prudential requirements, the access of new payment service providers to the market, information requirements, and the respective rights and obligations of payment services users and providers.
Navedeni pravni okvir bi moral zagotoviti usklajevanje nacionalnih določb o zahtevah skrbnega in varnega poslovanja, dostopu novih ponudnikov plačilnih storitev na trg, zahtevah po informacijah ter pravicah in obveznostih uporabnikov in ponudnikov plačilnih storitev.
Within that framework, the provisions of Regulation (EC) No 2560/2001, which created a single market for euro payments as far as prices are concerned, should be maintained.
V navedenem okviru naj se ohranijo določbe Uredbe (ES) št. 2560/2001, ki so, kar zadeva cene, vzpostavile enotni trg za plačila v eurih.
The provisions of Directive 97/5/EC and the recommendations made in Recommendations 87/598/EEC, 88/590/EEC and 97/489/EC should be integrated in a single act with binding force.
Določbe Direktive 97/5/ES in priporočila iz priporočil 87/598/EGS, 88/590/EGS in 97/489/ES bi se morali vključiti v en sam zavezujoč akt.
However, it is not appropriate for that legal framework to be fully comprehensive.
Vendar pa ni primerno, da navedeni pravni okvir zajame celotno področje.
Its application should be confined to payment service providers whose main activity consists in the provision of payment services to payment service users.
Njegova uporaba bi se morala omejiti na ponudnike plačilnih storitev, katerih glavna dejavnost je opravljanje plačilnih storitev za uporabnike plačilnih storitev.
Nor is it appropriate for it to apply to services where the transfer of funds from the payer to the payee or their transport is executed solely in bank notes and coins or where the transfer is based on a paper cheque, paper-based bill of exchange, promissory note or other instrument, paper-based vouchers or cards drawn upon a payment service provider or other party with a view to placing funds at the disposal of the payee.
Prav tako ni primerno, da se uporablja za storitve, pri katerih se prenos sredstev od plačnika k prejemniku plačila ali njihov transport izvrši samo v bankovcih in kovancih ali pri katerih prenos temelji na papirnem čeku, papirnih menicah, zadolžnici ali drugih instrumentih, papirnih potrdilih ali karticah, ki se glasijo na ponudnika plačilnih storitev ali drugo stranko zaradi dajanja sredstev na razpolago prejemniku plačila.
Furthermore, a differentiation should be made in the case of means offered by telecommunication, information technology or network operators to facilitate purchasing of digital goods or services, such as ring tones, music or digital newspapers, besides traditional voice services and their distribution to digital devices.
Poleg tega bi bilo treba razlikovati med možnostmi, ki jih ponujajo telekomunikacijski operaterji, operaterji informacijske tehnologije ali upravljavci omrežij, da bi poleg nakupa običajnih storitev govorne telefonije in njihovega prenosa na elektronske naprave omogočili tudi lažji nakup digitalnega blaga ali storitev, npr. melodij zvonjenja, glasbe ali digitalnih časopisov.
The content of these goods or services may be produced either by a third party or by the operator, who may add intrinsic value to them in the form of access, distribution or search facilities.
Vsebino tega blaga ali storitev lahko proizvedejo tretje osebe ali operater; ti jim lahko tudi dodajo bistveno vrednost v obliki dostopa, prenosa ali iskalnih funkcij.
In the latter case, where the goods or services are distributed by one of those operators, or, for technical reasons, by a third party, and where they can be used only through digital devices, such as mobile phones or computers, that legal framework should not apply as the activity of the operator goes beyond a mere payment transaction.
V zadnjem primeru, v katerem blago ali storitve zagotavlja eden od teh operaterjev ali – zaradi tehničnih razlogov – tretje osebe in kjer je njihova uporaba mogoča samo z digitalnimi napravami, kot so mobilni telefoni ali računalniki, se ta pravni okvir ne bi smel uporabljati, saj dejavnost operaterja presega plačilno transakcijo.
However, it is appropriate for that legal framework to apply to cases where the operator acts only as an intermediary who simply arranges for payment to be made to a third-party supplier.
Vendar bi bila uporaba tega pravnega okvira ustrezna v primerih, ko operater deluje le kot posrednik, ki poskrbi samo za to, da se plačilo opravi tretjemu dobavitelju.
Money remittance is a simple payment service that is usually based on cash provided by a payer to a payment service provider, which remits the corresponding amount, for example via communication network, to a payee or to another payment service provider acting on behalf of the payee.
Denarno nakazilo je enostavna denarna storitev, običajno osnovana na gotovini, ki jo plačnik zagotovi ponudniku plačilnih storitev, ki ustrezen znesek prenese, na primer po komunikacijskem omrežju, prejemniku plačila ali drugemu ponudniku plačilnih storitev, ki deluje v imenu prejemnika plačila.
In some Member States supermarkets, merchants and other retailers provide to the public a corresponding service enabling the payment of utility and other regular household bills.
V nekaterih državah članicah veleblagovnice, trgovci in drugi trgovci na drobno javnosti ponujajo ustrezno storitev, ki omogoča plačilo javnih storitev in drugih rednih računov gospodinjstva.
Those bill-paying services should be treated as money remittance as defined in this Directive, unless the competent authorities consider the activity to fall under another payment service listed in the Annex.
Te storitve plačevanja računov bi morale biti obravnavane kot denarno nakazilo, kakor je opredeljeno v tej direktivi, razen če pristojni organi menijo, da ta dejavnost sodi pod drugo plačilno storitev, navedeno v Prilogi.
It is necessary to specify the categories of payment service providers which may legitimately provide payment services throughout the Community, namely, credit institutions which take deposits from users that can be used to fund payment transactions and which should continue to be subject to the prudential requirements under Directive 2006/48/EC of the European Parliament and of the Council of 14 June 2006 relating to the taking up and pursuit of the business of credit institutions, electronic money institutions which issue electronic money that can be used to fund payment transactions and which should continue to be subject to the prudential requirements under Directive 2000/46/EC of the European Parliament and of the Council of 18 September 2000 on the taking-up, pursuit and prudential supervision of the business of electronic money institutions, and post office giro institutions which are so entitled under national law.
Treba je navesti kategorije ponudnikov plačilnih storitev, ki lahko zakonito opravljajo plačilne storitve povsod po Skupnosti, in sicer kreditne institucije, ki od uporabnikov sprejemajo depozite, ki se lahko uporabijo za financiranje plačilnih transakcij in ki bi morale še naprej izpolnjevati zahteve skrbnega in varnega poslovanja iz Direktive 2006/48/ES Evropskega parlamenta in Sveta z dne 14. junija 2006 o začetku opravljanja in opravljanju dejavnosti kreditnih institucij, institucije za izdajo elektronskega denarja, ki se lahko uporabi za financiranje plačilnih transakcij, ki bi morale še naprej izpolnjevati zahteve skrbnega in varnega poslovanja iz Direktive 2000/46/ES Evropskega parlamenta in Sveta z dne 18. septembra 2000 o začetku opravljanja in opravljanju dejavnosti ter nadzoru skrbnega in varnega poslovanja institucij za izdajo elektronskega denarja, ter poštnih institucij, ki opravljajo te storitve na podlagi nacionalne zakonodaje.
This Directive should lay down rules on the execution of payment transactions where the funds are electronic money, as defined in Article 1(3)(b) of Directive 2000/46/EC.
Ta direktiva bi morala določiti pravila za izvrševanje plačilnih transakcij, pri katerih so sredstva v obliki elektronskega denarja, kakor je opredeljen v členu 1(3)(b) Direktive 2000/46/ES.
This Directive should, however, neither regulate issuance of electronic money nor amend the prudential regulation of electronic money institutions as provided for in Directive 2000/46/EC.
Ta direktiva pa ne bi smela urejati izdajanje elektronskega denarja niti spreminjati ureditve skrbnega in varnega poslovanja institucij za izdajo elektronskega denarja, kakor določa Direktiva 2000/46/ES.
Therefore, payment institutions should not be allowed to issue electronic money.
Zato plačilne institucije ne bi smele izdajati elektronskega denarja.
However, in order to remove legal barriers to market entry, it is necessary to establish a single licence for all providers of payment services which are not connected to taking deposits or issuing electronic money.
Za odpravo pravnih ovir za vstop na trg pa je treba določiti enotno dovoljenje za vse ponudnike plačilnih storitev, ki niso povezane s sprejemanjem depozitov ali izdajanjem elektronskega denarja.
It is appropriate, therefore, to introduce a new category of payment service providers, ‘payment institutions’, by providing for the authorisation, subject to a set of strict and comprehensive conditions, of legal persons outside the existing categories to provide payment services throughout the Community.
Zato je primerno, da se uvede nova kategorija ponudnikov plačilnih storitev, „plačilne institucije“, tako da se predvidi izdajanje dovoljenj za opravljanje plačilnih storitev na celotnem ozemlju Skupnosti pravnim osebam zunaj obstoječih kategorij, ob upoštevanju vrste strogih in celovitih pogojev.
Thus, the same conditions would apply Community-wide to such services.
Tako bi se za tovrstne storitve uporabljali enaki pogoji na celotnem ozemlju Skupnosti.
The conditions for granting and maintaining authorisation as payment institutions should include prudential requirements proportionate to the operational and financial risks faced by such bodies in the course of their business.
Pogoji za izdajanje dovoljenj in ohranjanje dovoljenja za plačilne institucije bi morali vsebovati zahteve skrbnega in varnega poslovanja, ki so sorazmerne z operativnimi in finančnimi tveganji, s katerimi se soočajo taki subjekti pri svojem poslovanju.
In this connection, there is a need for a sound regime of initial capital combined with ongoing capital which could be elaborated in a more sophisticated way in due course depending on the needs of the market.
V zvezi s tem so potrebne jasne zahteve za ustanovni kapital v povezavi s tekočim kapitalom, ki bi jih lahko naknadno natančneje opredelili glede na potrebe trga.
Due to the range of variety in the payments services area, this Directive should allow various methods combined with a certain range of supervisory discretion to ensure that the same risks are treated the same way for all payment service providers.
Zaradi raznolikosti na področju plačilnih storitev bi morala ta direktiva dopuščati različne načine, povezane z določeno diskrecijsko pravico nadzornih organov za zagotovitev, da so enaka tveganja obravnavana na enak način za vse ponudnike plačilnih storitev.
The requirements for the payment institutions should reflect the fact that payment institutions engage in more specialised and limited activities, thus generating risks that are narrower and easier to monitor and control than those that arise across the broader spectrum of activities of credit institutions.
Zahteve za plačilne institucije bi morale upoštevati dejstvo, da se plačilne institucije ukvarjajo z bolj specializiranimi in omejenimi dejavnostmi in pri tem ustvarjajo tveganja, ki so ožja in jih je lažje spremljati in nadzorovati kakor tista, ki nastanejo pri širšem spektru dejavnosti kreditnih institucij.
In particular, payment institutions should be prohibited from accepting deposits from users and permitted to use funds received from users only for rendering payment services.
Plačilne institucije zlasti ne bi smele sprejemati depozitov od uporabnikov in bi jim moralo biti dovoljeno uporabljati sredstva, prejeta od uporabnikov, samo za opravljanje plačilnih storitev.
Provision should be made for client funds to be kept separate from the payment institution's funds for other business activities.
Treba bi bilo določiti, da se sredstva strank vodijo ločeno od sredstev, ki jih ima plačilna institucija za druge poslovne dejavnosti.
Payment institutions should also be made subject to effective anti-money laundering and anti-terrorist financing requirements.
Za plačilne institucije bi se morale uporabljati tudi učinkovite zahteve za preprečevanje pranja denarja in preprečevanje financiranja terorizma.
Payment institutions should draw up their annual and consolidated accounts in accordance with Council Directive 78/660/EEC of 25 July 1978 on the annual accounts of certain types of companies and, where applicable, Council Directive 83/349/EEC of 13 June 1983 on consolidated accounts and Council Directive 86/635/EEC of 8 December 1986 on the annual accounts and consolidated accounts of banks and other financial institutions.
Plačilne institucije bi morale svoje letne in konsolidirane računovodske izkaze pripraviti v skladu z Direktivo Sveta 78/660/EGS z dne 25. julija 1978 o letnih računovodskih izkazih posameznih vrst družb ter, kjer je ustrezno, v skladu z Direktivo Sveta 83/349/EGS z dne 13. junija 1983 o konsolidiranih računovodskih izkazih in Direktivo Sveta 86/635/EGS z dne 8. decembra 1986 o letnih računovodskih izkazih in konsolidiranih računovodskih izkazih bank in drugih finančnih institucij.
The annual accounts and consolidated accounts should be audited, unless the payment institution is exempted from this obligation under Directive 78/660/EEC and, where applicable, Directives 83/349/EEC and 86/635/EEC.
Letni računovodski izkazi in konsolidirani računovodski izkazi bi morali biti revidirani, razen če ta obveznost v skladu z Direktivo 78/660/EGS ter, kjer je ustrezno, z direktivama 83/349/EGS in 86/635/EGS za plačilno institucijo ne velja.
This Directive should regulate the granting of credit by payment institutions, i.e. the granting of credit lines and the issuance of credit cards, only where it is closely linked to payment services.
Ta direktiva bi morala urejati odobritev kredita plačilne institucije, tj. odobritev kreditnih linij in kreditnih kartic, le, kjer so ta tesno povezan s plačilnimi storitvami.
Only if credit is granted in order to facilitate payment services and such credit is of a short-term nature and is granted for a period not exceeding twelve months, including on a revolving basis, is it appropriate to allow payment institutions to grant such credit with regard to their cross-border activities, on condition that it is refinanced using mainly the payment institution's own funds, as well as other funds from the capital markets, but not the funds held on behalf of clients for payment services.
Samo v primeru, da je kredit odobren zaradi lažjega izvajanja plačilnih storitev, in pod pogojem, da je to kratkoročni kredit, ki ni odobren za obdobje, daljše od dvanajstih mesecev, kar velja tudi za obnavljajoče kredite, je takšen kredit primerno dovoliti za čezmejne dejavnosti plačilnih institucij, če bo refinanciran v glavnem iz lastnih sredstev plačilne institucije in iz drugih sredstev na trgih kapitala, vendar ne iz sredstev, ki se hranijo v imenu strank za namene plačilnih storitev.
The above should be without prejudice to Council Directive 87/102/EEC of 22 December 1986 for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit or other relevant Community or national legislation regarding conditions for granting credit to consumers not harmonised by this Directive.
Zgoraj navedeno ne bi smelo posegati v Direktivo Sveta 87/102/EGS z dne 22. decembra 1986 o približevanju zakonov in drugih predpisov držav članic v zvezi s potrošniškimi krediti ali v drugo zadevno zakonodajo Skupnosti ali držav članic v zvezi s pogoji odobritve kredita potrošnikom, ki s to direktivo niso usklajeni.
It is necessary for the Member States to designate the authorities responsible for granting authorisations to payment institutions, carrying out controls and deciding on the withdrawal of those authorisations.
Države članice morajo imenovati pristojne organe za izdajanje dovoljenj plačilnim institucijam, za opravljanje kontrol in za odločanje o odvzemu teh dovoljenj.
In order to ensure equality of treatment, Member States should apply to payment institutions no requirements other than those provided for in this Directive.
Za zagotavljanje enake obravnave države članice ne bi smele uporabljati nobenih zahtev za plačilne institucije razen tistih, ki so navedene v tej direktivi.
However, all decisions made by the competent authorities should be contestable before the courts.
Vse odločitve pristojnih organov pa bi moralo biti mogoče izpodbijati na sodiščih.
In addition, the tasks of the competent authorities should be without prejudice to the oversight of payment systems, which, in line with the fourth indent of Article 105(2) of the Treaty, is a task to be carried out by the European System of Central Banks.
Poleg tega naloge pristojnih organov ne bi smele posegati v pregled nad delovanjem plačilnih sistemov, kar je v skladu s četrto alineo člena 105(2) Pogodbe naloga, ki jo mora opravljati Evropski sistem centralnih bank.
Given the desirability of registering the identity and whereabouts of all persons providing remittance services and of according them all a measure of acceptance, irrespective of whether they are able to meet the full range of conditions for authorisation as payment institutions, so that none are forced into the black economy and bring all persons providing remittance service within the ambit of certain minimum legal and regulatory requirements, it is appropriate and in line with the rationale of Special Recommendation VI of the Financial Action Task Force on Money Laundering to provide a mechanism whereby payment service providers unable to meet all those conditions may nevertheless be treated as payment institutions.
Glede na to, da je zaželena registracija identitete in lokacije vseh oseb, ki opravljajo storitve nakazovanja, ter da se jim pripozna sprejemljivost, ne glede na to, ali so sposobne izpolnjevati vse pogoje za izdajo dovoljenja za plačilne institucije, tako da se nikomur ne bi bilo treba zatekati v sivo ekonomijo in se za vse osebe, ki opravljajo storitve nakazovanja, določijo določene minimalne pravne zahteve, je primerno in v skladu s Posebnim priporočilom VI Projektne skupine za finančno ukrepanje pri pranju denarja, da se predvidi mehanizem, s katerim se bodo lahko ponudniki plačilnih storitev, ki ne morejo izpolniti vseh teh pogojev, kljub temu obravnavali kot plačilne institucije.
For those purposes, Member States should enter such persons in the register of payment institutions while not applying all or part of the conditions for authorisation.
Za navedene namene bi morale države članice dovoliti vpis takšnih oseb v register plačilnih institucij, čeprav ne izpolnjujejo vseh ali nekaterih pogojev za pridobitev dovoljenja.
However, it is essential to make the possibility of waiver subject to strict requirements relating to the volume of payment transactions.
Vendar pa je nujno, da se možnosti za uveljavljanje opustitev določijo za vsak primer posebej ob izpolnjevanju strogih zahtev, ki zadevajo obseg transakcij.
Payment institutions benefiting from a waiver should have neither the right of establishment nor the freedom to provide services, nor should they indirectly exercise those rights when being a member of a payment system.
Plačilne institucije, za katere velja opustitev, ne bi smele imeti niti pravice do ustanavljanja niti svobode opravljanja storitev, prav tako teh pravic ne bi smele izvajati posredno kot članice plačilnega sistema.
It is essential for any payment service provider to be able to access the services of technical infrastructures of payment systems.
Za vse ponudnike plačilnih storitev je nujno, da imajo dostop do storitev tehnične infrastrukture plačilnih sistemov.
Such access should, however, be subject to appropriate requirements in order to ensure integrity and stability of those systems.
Takšen dostop bi se vendarle moral pogojevati z ustreznimi zahtevami, da se zagotovita integriteta in stabilnost teh sistemov.