natgillin/translations-raw huggingface dataset:
They shall be subject to prior approval by the administrative, management or supervisory body and be adapted in view of any significant change in the system or area concerned.
So predmet predhodne odobritve upravnega, upravljalnega ali nadzornega organa in se spremenijo v primeru kakršne koli pomembne spremembe v sistemu ali na zadevnemu področju.
Insurance and reinsurance undertakings shall take reasonable steps to ensure continuity and regularity in the performance of their activities, including the development of contingency plans.
Zavarovalnice in pozavarovalnice sprejmejo razumne ukrepe za zagotovitev stalnega in rednega poslovanja, vključno z razvojem kriznih načrtov.
To that end, the undertaking shall employ appropriate and proportionate systems, resources and procedures.
S tem namenom podjetje uporabi ustrezne in sorazmerne sisteme, vire in postopke.
The supervisory authorities shall have appropriate means, methods and powers for verifying the system of governance of the insurance and reinsurance undertakings and for evaluating emerging risks identified by those undertakings which may affect their financial soundness.
Nadzorni organi imajo ustrezna sredstva, metode in pooblastila za preverjanje sistema upravljanja zavarovalnic in pozavarovalnic ter za vrednotenje nastajajočih tveganj, ki so jih ta podjetja odkrila in ki lahko vplivajo na njihovo finančno trdnost.
The Member States shall ensure that the supervisory authorities have the powers necessary to require that the system of governance be improved and strengthened to ensure compliance with the requirements set out in Articles 42 to 49.
Države članice zagotovijo, da imajo nadzorni organi potrebna pooblastila, da zahtevajo izboljšanje in okrepitev sistema upravljanja za zagotovitev skladnosti z zahtevami iz členov 42 do 49.
Article 42
ČLEN 42
Fit and proper requirements for persons who effectively run the undertaking or have other key functions
Zahteve glede sposobnosti in primernosti oseb, ki dejansko vodijo podjetje ali imajo druge ključne funkcije
Insurance and reinsurance undertakings shall ensure that all persons who effectively run the undertaking or have other key functions at all times fulfil the following requirements:
Zavarovalnice in pozavarovalnice zagotovijo, da osebe, ki dejansko vodijo podjetje ali imajo druge ključne funkcije, ves čas izpolnjujejo naslednje zahteve:
their professional qualifications, knowledge and experience are adequate to enable sound and prudent management (fit); and
njihova strokovna usposobljenost, znanje in izkušnje so ustrezni za dobro in preudarno upravljanje (sposobnost); in
they are of good repute and integrity (proper).
so osebe dobrega ugleda in integritete (primernost).
Insurance and reinsurance undertakings shall notify the supervisory authority of any changes to the identity of the persons who effectively run the undertaking or are responsible for other key functions, along with all information needed to assess whether any new persons appointed to manage the undertaking are fit and proper.
Zavarovalnice in pozavarovalnice obvestijo nadzorni organ o kakršnih koli spremembah identitete oseb, ki dejansko vodijo podjetje ali opravljajo druge ključne funkcije, skupaj s potrebnimi informacijami za oceno sposobnosti in primernosti novih oseb, imenovanih za upravljanje podjetja.
Insurance and reinsurance undertakings shall notify their supervisory authority if any of the persons referred to in paragraphs 1 and 2 have been replaced because they no longer fulfil the requirements referred to in paragraph 1.
Zavarovalnice in pozavarovalnice obvestijo svoj nadzorni organ, če so zamenjale katero koli osebo iz odstavkov 1 in 2, ker ne izpolnjuje več zahtev iz odstavka 1.
Article 43
ČLEN 43
Proof of good repute
Dokazilo o dobrem imenu
Where a Member State requires of its own nationals proof of good repute, proof of no previous bankruptcy, or both, that Member State shall accept as sufficient evidence in respect of nationals of other Member States the production of an extract from the judicial record or, failing this, of an equivalent document issued by a competent judicial or administrative authority in the home Member State or the Member State from which the foreign national comes showing that those requirements have been met.
Če država članica od svojih državljanov zahteva dokazilo o dobrem imenu, dokazilo, da v preteklosti niso bili v stečaju, ali obe, navedena država članica kot zadosten dokaz glede državljanov drugih držav članic sprejme predložitev izpiska iz sodnega registra, ali če tega ni, enakovreden dokument, ki ga izda pristojni sodni ali upravni organ v domači državi članici ali v državi članici, iz katere tuji državljan prihaja, ki dokazuje, da so te zahteve izpolnjene.
Where the home Member State or the Member State from which the foreign national concerned comes does not issue the document referred to in paragraph 1, it may be replaced by a declaration on oath – or in Member States where there is no provision for declaration on oath by a solemn declaration – made by the foreign national concerned before a competent judicial or administrative authority or, where appropriate, a notary in the home Member State or the Member State from which that foreign national comes.
Kadar domača država članica ali država članica, iz katere tuji državljan prihaja, ne izda dokumenta iz odstavka 1, ga lahko nadomesti izjava pod prisego – ali v državah članicah, v katerih izjava pod prisego ni predvidena, slovesna izjava – ki jo da zadevni tuji državljan pred pristojnim sodnim ali upravnim organom ali po potrebi pred notarjem domače države članice ali države članice, iz katere tuji državljan prihaja.
Such authority or notary shall issue a certificate attesting the authenticity of the declaration on oath or solemn declaration.
Tak organ ali notar izda potrdilo, s katerim potrjuje pristnost izjave pod prisego ali slovesne izjave.
The declaration referred to in the first subparagraph in respect of no previous bankruptcy may also be made before a competent professional or trade body in the Member State concerned.
Tudi izjava iz prvega pododstavka, da v preteklosti ni bil v stečaju, se lahko poda pred pristojnim organom ali strokovnim organom zadevne države članice.
The documents and certificates referred to in paragraphs 1 and 2 shall not be presented more than three months after their date of issue.
Dokumenti in potrdila iz odstavkov 1 in 2, se predložijo v treh mesecih od njihove izdaje.
Member States shall designate the authorities and bodies competent to issue the documents referred to in paragraphs 1 and 2 and shall forthwith inform the other Member States and the Commission thereof.
Države članice določijo organe, pristojne za izdajanje dokumentov iz odstavkov 1 in 2, ter o tem takoj obvestijo druge države članice in Komisijo.
Each Member State shall also inform the other Member States and the Commission of the authorities or bodies to which the documents referred to in paragraphs 1 and 2 are to be submitted in support of an application to pursue in the territory of that Member State the activities referred to in Article 2.
Vsaka država članica tudi obvesti druge države članice in Komisijo o organih in telesih, katerim je treba predložiti dokumente iz odstavkov 1 in 2 kot podlago prošnji za opravljanje dejavnosti iz člena 2 na ozemlju te države članice.
Article 44
ČLEN 44
Risk management
Upravljanje tveganja
Insurance and reinsurance undertakings shall have in place an effective risk-management system comprising strategies, processes and reporting procedures necessary to identify, measure, monitor, manage and report, on a continuous basis the risks, at an individual and at an aggregated level, to which they are or could be exposed, and their interdependencies.
Zavarovalnice in pozavarovalnice imajo na voljo učinkovit sistem upravljanja tveganj, ki vsebuje strategije, procese in postopke poročanja, ki so potrebni za redno odkrivanje, merjenje, spremljanje, upravljanje in poročanje na posamezni in skupnih ravni tveganj, ki so jim ali bi jim lahko bile izpostavljene, in o njihovih medsebojnih odvisnostih.
That risk-management system shall be effective and well integrated into the organisational structure and in the decision-making processes of the insurance or reinsurance undertaking with proper consideration of the persons who effectively run the undertaking or have other key functions.
Ta sistem upravljanja tveganj mora biti učinkovit in dobro integriran v organizacijsko strukturo in procese odločanja zavarovalnice ali pozavarovalnice ter mora ustrezno upoštevati osebe, ki dejansko vodijo podjetje ali imajo druge ključne funkcije.
The risk-management system shall cover the risks to be included in the calculation of the Solvency Capital Requirement as set out in Article 101(4) as well as the risks which are not or not fully included in the calculation thereof.
Sistem upravljanja tveganj zajema tveganja, ki bodo vključena v izračun zahtevanega solventnostnega kapitala iz člena 101(4), in tveganja, ki niso ali niso popolnoma vključena v tak izračun.
The risk-management system shall cover at least the following areas:
Sisitem upravljanja tveganj zajema najmanj naslednja področja:
underwriting and reserving;
sklepanje zavarovanj in oblikovanje rezervacij;
asset–liability management;
upravljanje sredstev - obveznosti;
investment, in particular derivatives and similar commitments;
naložbe, zlasti izvedene finančne instrumente in podobne obveze;
liquidity and concentration risk management;
likvidnost in upravljanje tveganja koncentracije;
operational risk management;
upravljanje operativnega tveganja;
reinsurance and other risk-mitigation techniques.
pozavarovanje in druge tehnike za zmanjševanje tveganja.
The written policy on risk management referred to in Article 41(3) shall comprise policies relating to points (a) to (f) of the second subparagraph of this paragraph.
Pisna pravila glede upravljanja tveganj iz člena 41(3) zajemajo pravila glede točk (a) do (f) drugega pododstavka tega odstavka.
As regards investment risk, insurance and reinsurance undertakings shall demonstrate that they comply with Chapter VI, Section 6.
Kar zadeva naložbeno tveganje, morajo zavarovalnice in pozavarovalnice dokazati, da upoštevajo oddelek 6 poglavja VI.
Insurance and reinsurance undertakings shall provide for a risk-management function which shall be structured in such a way as to facilitate the implementation of the risk-management system.
Zavarovalnice in pozavarovalnice zagotovijo funkcijo upravljanja tveganj, ki bo strukturirana na način, ki olajšuje izvajanje sistema upravljanja tveganj.
For insurance and reinsurance undertakings using a partial or full internal model approved in accordance with Articles 112 and 113 the risk-management function shall cover the following additional tasks:
Za zavarovalnice in pozavarovalnice, ki uporabljajo delni ali popolni notranji model, odobren v skladu s členi 112 in 113, zajema funkcija upravljanja tveganj naslednje dodatne naloge:
to design and implement the internal model;
oblikovanje in izvajanje notranjega modela;
to test and validate the internal model;
preizkušanje in validiranje notranjega modela;
to document the internal model and any subsequent changes made to it;
dokumentiranje in kakršne koli nadaljnje spremembe notranjega modela;
to analyse the performance of the internal model and to produce summary reports thereof;
analiza izvajanja notranjega modela in priprava zbirnih poročil o tem;
to inform the administrative, management or supervisory body about the performance of the internal model, suggesting areas needing improvement, and up-dating that body on the status of efforts to improve previously identified weaknesses.
obveščanje upravnega, upravljalnega ali nadzornega organa o izvajanju notranjega modela, predlaganje področij, kjer so potrebne izboljšave, in obveščanje tega organa o stanju prizadevanj za izboljšanje predhodno ugotovljenih pomanjkljivosti.
Article 45
ČLEN 45
Own risk and solvency assessment
Lastna ocena tveganj in solventnosti
As part of its risk-management system every insurance undertaking and reinsurance undertaking shall conduct its own risk and solvency assessment.
Kot del svojega sistema upravljanja tveganj vsaka zavarovalnica in pozavarovalnica izvede lastno oceno tveganj in solventnosti.
That assessment shall include at least the following:
Ocena mora vsebovati najmanj:
the overall solvency needs taking into account the specific risk profile, approved risk tolerance limits and the business strategy of the undertaking;
skupne potrebe solventnosti ob upoštevanju specifičnega profila tveganj, odobrenih meja dovoljenega tveganja in poslovne strategije podjetij;
the compliance, on a continuous basis, with the capital requirements, as laid down in Chapter VI, Sections 4 and 5 and with the requirements regarding technical provisions, as laid down in Chapter VI, Section 2;
stalno skladnost s kapitalskimi zahtevami, kot določata oddelka 4 in 5 poglavja VI, ter z zahtevami glede zavarovalno-tehničnih rezervacij, kot določa oddelek 2 poglavja VI;
the significance with which the risk profile of the undertaking concerned deviates from the assumptions underlying the Solvency Capital Requirement as laid down in Article 101(3), calculated with the standard formula in accordance with Chapter VI, Section 4, Subsection 2 or with its partial or full internal model in accordance with Chapter VI, Section 4, Subsection 3.
pomen tega, koliko profil tveganj zadevnega podjetja odstopa od predpostavk, ki so bile osnova za zahtevani solventnostni kapital iz člena 101(3), izračunan po standardni formuli v skladu s pododdelkom 2 oddelka 4 poglavja VI ali po delnem ali popolnem notranjem modelu v skladu s pododdelkom 3 oddelka 4 poglavja VI.
For the purposes of paragraph 1(a), the undertaking concerned shall have in place processes which are proportionate to the nature, scale and complexity of the risks inherent in its business and which enable it to properly identify and assess the risks it faces in the short and long term and to which it is or could be exposed.
Za namene točke (a) odstavka 1 ima zadevno podjetje na voljo postopke, ki so sorazmerni glede na naravo, obseg in zahtevnost tveganj, ki so del njegovega poslovanja, in ki mu omogočajo, da ustrezno opredeli in oceni tveganja, s katerimi se sooča kratkoročno in dolgoročno, ter je ali bi lahko bilo njim izpostavljeno.
The undertaking shall demonstrate the methods used in that assessment.
Podjetje prikaže metode, ki jih je uporabilo pri tej oceni.
In the case referred to in paragraph 1(c), when an internal model is used, the assessment shall be performed together with the recalibration that transforms the internal risk numbers into the Solvency Capital Requirement risk measure and calibration.
V primeru iz točke (c) odstavka 1 se pri uporabi notranjega modela ocena izvede skupaj s ponovno kalibracijo, ki pretvori število notranjega tveganja v mero tveganja in kalibracijo zahtevanega solventnostnega kapitala.
The own-risk and solvency assessment shall be an integral part of the business strategy and shall be taken into account on an ongoing basis in the strategic decisions of the undertaking.
Lastna ocena tveganj in solventnosti je sestavni del poslovne strategije in se stalno upošteva pri strateških odločitvah podjetja.
Insurance and reinsurance undertakings shall perform the assessment referred to in paragraph 1 regularly and without any delay following any significant change in their risk profile.
Zavarovalnice in pozavarovalnice redno in brez odlašanja izvedejo oceno iz odstavka 1 po vsaki pomembni spremembi v njihovem profilu tveganj.
The insurance and reinsurance undertakings shall inform the supervisory authorities of the results of each own-risk and solvency assessment as part of the information reported under Article 35.
Zavarovalnice in pozavarovalnice obvestijo nadzorne organe o rezultatih posamezne lastne ocene tveganj in solventnosti kot del informacij, o katerih poročajo v okviru člena 35.
The own-risk and solvency assessment shall not serve to calculate a capital requirement.
Lastna ocena tveganj in solventnosti se ne uporablja za izračun zahtevanega kapitala.
The Solvency Capital Requirement shall be adjusted only in accordance with Articles 37, 231 to 233 and 238.
Zahtevana solventnostni kapital se lahko spreminja le v skladu s členi 37, 231 do 233 in 238.
Article 46
ČLEN 46
Internal control
Notranji nadzor
Insurance and reinsurance undertakings shall have in place an effective internal control system.
Zavarovalnice in pozavarovalnice morajo imeti na voljo učinkovit sistem notranjega nadzora.
That system shall at least include administrative and accounting procedures, an internal control framework, appropriate reporting arrangements at all levels of the undertaking and a compliance function.
Ta sistem vsebuje najmanj upravne in računovodske postopke, okvir notranjega nadzora, ustrezno ureditev glede poročanja na vseh ravneh podjetja in funkcijo spremljanja skladnosti.
The compliance function shall include advising the administrative, management or supervisory body on compliance with the laws, regulations and administrative provisions adopted pursuant to this Directive.
Funkcija spremljanja skladnosti vključuje seznanitev upravnih, upravljalnih ali nadzornih organov glede skladnosti z zakoni in drugimi predpisi, sprejetimi v skladu s to direktivo.
It shall also include an assessment of the possible impact of any changes in the legal environment on the operations of the undertaking concerned and the identification and assessment of compliance risk.
Vključuje tudi oceno možnih vplivov kakršnih koli sprememb v pravnem okolju na posle zadevnega podjetja ter opredelitev in oceno tveganj glede skladnosti.
Article 47
ČLEN 47
Insurance and reinsurance undertakings shall provide for an effective internal audit function.
Zavarovalnice in pozavarovalnice zagotovijo učinkovito funkcijo notranje revizije.
The internal audit function shall include an evaluation of the adequacy and effectiveness of the internal control system and other elements of the system of governance.
Funkcija notranje revizije vključuje oceno tega, ali so notranji sistem nadzora podjetja in drugi elementi sistema upravljanja ustrezni in učinkoviti.
The internal audit function shall be objective and independent from the operational functions.
Funkcija notranje revizije je objektivna in neodvisna od funkcij poslovanja.
Any findings and recommendations of the internal audit shall be reported to the administrative, management or supervisory body which shall determine what actions are to be taken with respect to each of the internal audit findings and recommendations and shall ensure that those actions are carried out.
Vse ugotovitve in vsa priporočila notranje revizije se poročajo upravnim, upravljalnim ali nadzornim organom, ki določijo, kakšni ukrepi se sprejmejo v zvezi z vsako ugotovitvijo in priporočilom notranje revizije, in zagotovijo izvrševanje teh ukrepov.
Article 48
ČLEN 48
Insurance and reinsurance undertakings shall provide for an effective actuarial function to:
Zavarovalnice in pozavarovalnice zagotovijo učinkovito in trajno aktuarsko funkcijo, ki:
coordinate the calculation of technical provisions;
koordinira izračun zavarovalno-tehničnih rezervacij;
ensure the appropriateness of the methodologies and underlying models used as well as the assumptions made in the calculation of technical provisions;
zagotovi ustreznost uporabljenih metod in osnovnih modelov kot tudi predpostavk, narejenih pri izračunu zavarovalno-tehničnih rezervacij;
assess the sufficiency and quality of the data used in the calculation of technical provisions;
oceni ustreznost in kakovost podatkov, uporabljenih pri izračunu zavarovalno-tehničnih rezervacij;
compare best estimates against experience;
primerja najboljše ocene z izkušnjami;
inform the administrative, management or supervisory body of the reliability and adequacy of the calculation of technical provisions;
obvešča upravne, upravljalne ali nadzorne organe o zanesljivosti in ustreznosti izračuna zavarovalno-tehničnih rezervacij;
oversee the calculation of technical provisions in the cases set out in Article 82;
nadzira izračun zavarovalno-tehničnih rezervacij v primerih iz člena 82;
express an opinion on the overall underwriting policy;
poda mnenje o splošni politiki prevzemanja tveganj;
express an opinion on the adequacy of reinsurance arrangements; and
poda mnenje o ustreznosti ureditve pozavarovanja; in
contribute to the effective implementation of the risk-management system referred to in Article 44, in particular with respect to the risk modelling underlying the calculation of the capital requirements set out in Chapter VI, Sections 4 and 5, and to the assessment referred to in Article 45.
prispeva k učinkovitemu izvajanju sistema upravljanja tveganj iz člena 44 zlasti glede modelov tveganja, ki so podlaga za izračun kapitalske zahteve, določene v oddelkih 4 in 5 poglavja VI, ter za oceno iz člena 45.
The actuarial function shall be carried out by persons who have knowledge of actuarial and financial mathematics, commensurate with the nature, scale and complexity of the risks inherent in the business of the insurance or reinsurance undertaking, and who are able to demonstrate their relevant experience with applicable professional and other standards.
Aktuarsko funkcijo izvajajo osebe, ki imajo ustrezno znanje aktuarske in finančne matematike, ki je sorazmerno glede na naravo, zahtevnost in obseg tveganj, ki so del poslov zavarovalnice ali pozavarovalnice, in ki lahko dokažejo svoje zadevne izkušnje z ustreznimi strokovnimi in drugimi standardi.
Article 49
ČLEN 49
Member States shall ensure that insurance and reinsurance undertakings remain fully responsible for discharging all of their obligations under this Directive when they outsource functions or any insurance or reinsurance activities.
Države članice zagotovijo, da zavarovalnice in pozavarovalnice ostanejo v celoti odgovorne za izpolnjevanje vseh svojih obveznosti v okviru te direktive, kadar oddajo funkcije ali kakršne koli dejavnosti zavarovanja ali pozavarovanja v zunanje izvajanje.
Outsourcing of critical or important operational functions or activities shall not be undertaken in such a way as to lead to any of the following:
Zunanje izvajanje ključnih ali pomembnih operativnih funkcij ali dejavnosti se ne sme odvijati na način, ki bi:
materially impairing the quality of the system of governance of the undertaking concerned;
materialno poslabšal kakovost sistema upravljanja zadevnega podjetja;
unduly increasing the operational risk;
neupravičeno povečal operativno tveganje;
impairing the ability of the supervisory authorities to monitor the compliance of the undertaking with its obligations;
zmanjšal sposobnost nadzornih organov, da spremljajo skladnost podjetja z njegovimi obveznostmi;
undermining continuous and satisfactory service to policy holders.
ogrozil stalne in ustrezne storitve imetnikom polic.
Insurance and reinsurance undertakings shall, in a timely manner, notify the supervisory authorities prior to the outsourcing of critical or important functions or activities as well as of any subsequent material developments with respect to those functions or activities.
Zavarovalnice in pozavarovalnice pravočasno obvestijo nadzorne organe pred oddajo ključnih ali pomembnih funkcij ali dejavnosti v zunanje izvajanje in o poznejšem vsebinskem razvoju v zvezi s temi funkcijami ali dejavnostmi.
Article 50
ČLEN 50
The Commission shall adopt implementing measures to further specify the following:
Komisija sprejme izvedbene ukrepe za podrobno opredelitev:
the elements of the systems referred to in Articles 41, 44, 46 and 47, and in particular the areas to be covered by the asset–liability management and investment policy, as referred to in Article 44(2), of insurance and reinsurance undertakings;
elementov sistemov iz členov 41, 44, 46 in 47 ter zlasti področij, ki jih bo zajemala politika upravljanja sredstev – obveznosti in naložb zavarovalnic in pozavarovalnic, kot določa člen 44(2).
the functions referred to in Articles 44 and 46 to 48;
funkcij iz členov 44 in 46 do 48;
the requirements set out in Article 42 and the functions subject thereto;
zahtev, določenih v členu 42, in funkcij, ki jih ta člen ureja;