natgillin/translations-raw huggingface dataset:
Financial stability and fair and stable markets are other objectives of insurance and reinsurance regulation and supervision which should also be taken into account but should not undermine the main objective.
Finančna stabilnost ter pravični in stabilni trgi so drugi cilji ureditve in nadzora zavarovanja in pozavarovanja, ki bi jih prav tako bilo treba upoštevati, vendar pa ne bi smeli ogroziti glavnega cilja.
The solvency regime laid down in this Directive is expected to result in even better protection for policy holders.
Ureditev solventnosti s to direktivo naj bi dodatno izboljšala varstvo imetnikov polic.
It will require Member States to provide supervisory authorities with the resources to fulfil their obligations as set out in this Directive.
Vključevala bo zahtevo, da države članice zagotovijo nadzornim organom sredstva za izpolnjevanje obveznosti, določenih v tej direktivi.
This encompasses all necessary capacities, including financial and human resources.
To zajema vse potrebne zmogljivosti, vključno s finančnimi in človeškimi viri.
The supervisory authorities of the Member States should therefore have at their disposal all means necessary to ensure the orderly pursuit of business by insurance and reinsurance undertakings throughout the Community whether pursued under the right of establishment or the freedom to provide services.
Nadzorni organi držav članic bi morali zato razpolagati z vsemi sredstvi, ki so potrebna za zagotovitev pravilnega poslovanja zavarovalnic in pozavarovalnic na celotnem ozemlju Skupnosti iz naslova pravice do ustanavljanja ali svobode opravljanja storitev.
In order to ensure the effectiveness of the supervision all actions taken by the supervisory authorities should be proportionate to the nature, scale and complexity of the risks inherent in the business of an insurance or reinsurance undertaking, regardless of the importance of the undertaking concerned for the overall financial stability of the market.
Da se zagotovi učinkovitost nadzora, bi morali biti vsi ukrepi, ki jih sprejmejo nadzorni organi, sorazmerni z naravo, obsegom in zahtevnostjo tveganj, povezanih s poslovanjem zavarovalnice ali pozavarovalnice, ne glede na pomen zadevnega podjetja za splošno finančno stabilnost za trg.
This Directive should not be too burdensome for small and medium-sized insurance undertakings.
Ta direktiva ne bi smela biti preobremenjujoča za majhne in srednje velike zavarovalnice.
One of the tools by which to achieve that objective is the proper application of the proportionality principle.
Eden od načinov za dosego tega cilja je ustrezna uporaba načela sorazmernosti.
That principle should apply both to the requirements imposed on the insurance and reinsurance undertakings and to the exercise of supervisory powers.
To načelo bi moralo veljati tako za zahteve glede zavarovalnic in pozavarovalnic kot za izvajanje nadzornih pooblastil.
In particular, this Directive should not be too burdensome for insurance undertakings that specialise in providing specific types of insurance or services to specific customer segments, and it should recognise that specialising in this way can be a valuable tool for efficiently and effectively managing risk.
Ta direktiva zlasti ne bi smela biti preobremenjujoča za zavarovalnice, ki so specializirane v zagotavljanju posebnih vrst zavarovanj ali storitev za posebne segmente strank, ter bi morala prepoznati, da je takšen način specializacije dragoceno orodje za uspešno in učinkovito obvladovanje tveganja.
In order to achieve that objective, as well as the proper application of the proportionality principle, provision should also be made specifically to allow undertakings to use their own data to calibrate the parameters in the underwriting risk modules of the standard formula of the Solvency Capital Requirement.
Za uresničitev tega cilja ter ustrezno uporabo načela sorazmernosti bi bilo treba predvideti določbo, ki posebej omogoča podjetjem, da uporabljajo lastne podatke pri kalibraciji parametrov v modulih tveganja za standardno formulo zahtevanega solventnostnega kapitala.
This Directive should also take account of the specific nature of captive insurance and captive reinsurance undertakings.
Ta direktiva bi morala upoštevati tudi posebno naravo lastnih zavarovalnic in pozavarovalnic.
As those undertakings only cover risks associated with the industrial or commercial group to which they belong, appropriate approaches should thus be provided in line with the principle of proportionality to reflect the nature, scale and complexity of their business.
Ker krijejo le tveganja industrijske ali trgovinske skupine, kateri pripadajo, bi bilo treba poskrbeti za ustrezen pristop, ki bo v skladu z načelom sorazmernosti upošteval naravo, obseg in kompleksnost njihovega poslovanja.
The supervision of reinsurance activity should take account of the special characteristics of reinsurance business, notably its global nature and the fact that the policy holders are themselves insurance or reinsurance undertakings.
Pri nadzoru dejavnosti pozavarovanja bi bilo treba upoštevati posebne značilnosti pozavarovalnic, zlasti njihovo globalno naravo in dejstvo, da so njihovi imetniki polic sami zavarovalnice in pozavarovalnice.
Supervisory authorities should be able to obtain from insurance and reinsurance undertakings the information which is necessary for the purposes of supervision, including, where appropriate, information publicly disclosed by an insurance or reinsurance undertaking under financial reporting, listing and other legal or regulatory requirements.
Nadzorni organi bi morali imeti možnost, da od zavarovalnic in pozavarovalnic pridobijo informacije, ki jih potrebujejo za nadzor, vključno, če je primerno, z informacijami, ki jih je javnosti razkrila zavarovalnica ali pozavarovalnica v finančnih poročilih, pri kotaciji ter v skladu z drugimi pravnimi ali predpisanimi zahtevami.
The supervisory authorities of the home Member State should be responsible for monitoring the financial health of insurance and reinsurance undertakings.
Nadzorni organi matične države članice bi morali biti odgovorni za spremljanje finančne trdnosti zavarovalnic in pozavarovalnic.
To that end, they should carry out regular reviews and evaluations.
V ta namen bi morali izvajati redne preglede in ocene.
Supervisory authorities should be able to take account of the effects on risk and asset management of voluntary codes of conduct and transparency complied with by the relevant institutions dealing in unregulated or alternative investment instruments.
Nadzornim organom bi moralo biti omogočeno upoštevanje učinkov prostovoljnih kodeksov ravnanja in preglednosti na upravljanje tveganja in upravljanje sredstev, ki jih zadevne institucije spoštujejo pri poslovanju z nereguliranimi ali alternativnimi naložbenimi instrumenti.
The starting point for the adequacy of the quantitative requirements in the insurance sector is the Solvency Capital Requirement.
Izhodišče za primernost količinskih zahtev v zavarovalniškem sektorju je zahtevani solventnostni kapital.
Supervisory authorities should therefore have the power to impose a capital add-on to the Solvency Capital Requirement only under exceptional circumstances, in the cases listed in this Directive, following the supervisory review process.
Nadzorni organi bi morali zato biti pooblaščeni, da zahtevanemu solventnostnemu kapitalu naložijo kapitalski pribitek samo v izjemnih okoliščinah v primerih, navedenih v tej direktivi, po postopku nadzornega pregleda.
The Solvency Capital Requirement standard formula is intended to reflect the risk profile of most insurance and reinsurance undertakings.
Standardna formula za izračun zahtevanega solventnostnega kapitala naj bi odražala profil tveganj večine zavarovalnic in pozavarovalnic.
However, there may be some cases where the standardised approach does not adequately reflect the very specific risk profile of an undertaking.
Vendar pa v nekaterih primerih standardizirani pristop ne odraža ustrezno zelo specifičnega profila tveganj podjetja.
The imposition of a capital add-on is exceptional in the sense that it should be used only as a measure of last resort, when other supervisory measures are ineffective or inappropriate.
Uvedba kapitalskega pribitka je izjemna v smislu, da bi jo bilo treba uporabiti le kot ukrep v skrajnem primeru, če so drugi nadzorni ukrepi neučinkoviti ali neprimerni.
Furthermore, the term exceptional should be understood in the context of the specific situation of each undertaking rather than in relation to the number of capital add-ons imposed in a specific market.
Poleg tega bi bilo treba izraz izjemen razumeti v smislu posebnega položaja vsakega podjetja in ne v zvezi s številom kapitalskih pribitkov, predvidenih na specifičnem trgu.
The capital add-on should be retained for as long as the circumstances under which it was imposed are not remedied.
Kapitalski pribitek bi bilo treba ohraniti, dokler se okoliščine, v katerih je bil uveden, ne izboljšajo.
In the event of significant deficiencies in the full or partial internal model or significant governance failures the supervisory authorities should ensure that the undertaking concerned makes every effort to remedy the deficiencies that led to the imposition of the capital add-on.
V primeru večjih pomanjkljivosti v popolnem ali delnem notranjem modelu ali v primeru pomembnih nepravilnosti upravljanja bi morali nadzorni organi zagotoviti, da zadevno podjetje stori vse, da odpravi pomanjkljivosti, ki so privedle do naložitve kapitalskega pribitka.
However, where the standardised approach does not adequately reflect the very specific risk profile of an undertaking the capital add-on may remain over consecutive years.
Vendar, če standardizirani pristop ne ustrezno odraža zelo specifičnega profila tveganj podjetja, se kapitalski pribitek lahko ohrani v naslednjih letih.
Some risks may only be properly addressed through governance requirements rather than through the quantitative requirements reflected in the Solvency Capital Requirement.
Nekatera tveganja je mogoče ustrezno obravnavati samo z zahtevami glede upravljanja in ne s količinskimi zahtevami, razvidnimi iz zahtevanega solventnostnega kapitala.
An effective system of governance is therefore essential for the adequate management of the insurance undertaking and for the regulatory system.
Za ustrezno upravljanje zavarovalnice in za regulativni sistem je torej potreben učinkovit sistem upravljanja.
The system of governance includes the risk-management function, the compliance function, the internal audit function and the actuarial function.
Sistem upravljanja vključuje funkcijo upravljanja tveganj, funkcijo skladnosti, funkcijo notranje revizije in aktuarsko funkcijo.
A function is an administrative capacity to undertake particular governance tasks.
Funkcija je upravna sposobnost opravljati določeno nalogo upravljanja.
The identification of a particular function does not prevent the undertaking from freely deciding how to organise that function in practice save where otherwise specified in this Directive.
Opredelitev določene funkcije podjetju ne preprečuje, da se svobodno odloči, kako bo to funkcijo organiziralo v praksi, razen če je to v tej direktivi določeno drugače.
This should not lead to unduly burdensome requirements because account should be taken of the nature, scale and complexity of the operations of the undertaking.
To ne bi smelo voditi do neupravičeno obremenjujočih zahtev, saj je treba upoštevati naravo, obseg in zahtevnost dejavnosti podjetja.
It should therefore be possible for those functions to be staffed by own staff, to rely on advice from outside experts or to be outsourced to experts within the limits set by this Directive.
Zato bi moralo biti mogoče, da te funkcije opravlja lastno osebje podjetja, podjetje pa se lahko zanaša tudi na svetovanje zunanjih strokovnjakov ali pa delo odda zunanjim izvajalcem v okviru omejitev, določenih s to direktivo.
Furthermore, save as regards the internal audit function, in smaller and less complex undertakings it should be possible for more than one function to be carried out by a single person or organisational unit.
Poleg tega bi moralo biti omogočeno, da v malih in manj kompleksnih podjetjih ena oseba ali organizacijska enota opravlja več kot eno funkcijo, z izjemo funkcije notranje revizije.
The functions included in the system of governance are considered to be key functions and consequently also important and critical functions.
Funkcije, vključene v sistem upravljanja, se štejejo za ključne funkcije in posledično tudi za pomembne in kritične funkcije.
All persons that perform key functions should be fit and proper.
Vse osebe, ki izvajajo ključne funkcije, bi morale biti sposobne in primerne.
However, only the key function holders should be subject to notification requirements to the supervisory authority.
Vendar bi morale zahteve glede obveščanja nadzornega organa veljati le za nosilce ključnih funkcij.
For the purpose of assessing the required level of competence, professional qualifications and experience of those who effectively run the undertaking or have other key functions should be taken into consideration as additional factors.
Za namene ocenjevanja zahtevane ravni usposobljenosti bi se kot dodatni dejavniki morale upoštevati strokovne kvalifikacije in izkušnje tistih, ki dejansko vodijo podjetje ali imajo druge ključne funkcije.
All insurance and reinsurance undertakings should have, as an integrated part of their business strategy, a regular practice of assessing their overall solvency needs with a view to their specific risk profile (own-risk and solvency assessment).
Vse zavarovalnice in pozavarovalnice bi morale zaradi svojega specifičnega profila tveganj kot sestavni del poslovne strategije izvajati redno ocenjevanje svojih solventnostnih potreb (lastna ocena tveganj in solventnosti).
That assessment neither requires the development of an internal model nor serves to calculate a capital requirement different from the Solvency Capital Requirement or the Minimum Capital Requirement.
Za to oceno ni potreben razvoj notranjega modela niti ta ocena ne služi za izračun zahtevanega kapitala, ki ni zahtevani solventnostni kapital ali minimalni zahtevani kapital.
The results of each assessment should be reported to the supervisory authority as part of the information to be provided for supervisory purposes.
Rezultate vsake ocene bi morali sporočiti nadzornemu organu, in sicer kot del informacij, ki jih je treba zagotoviti za namene nadzora.
In order to ensure effective supervision of outsourced functions or activities, it is essential that the supervisory authorities of the outsourcing insurance or reinsurance undertaking have access to all relevant data held by the outsourcing service provider, regardless of whether the latter is a regulated or unregulated entity, as well as the right to conduct on-site inspections.
Da se zagotovi učinkovit nadzor nad funkcijami ali dejavnostmi, ki jih opravljajo zunanji izvajalci, je bistvenega pomena, da imajo nadzorni organi zavarovalnice ali pozavarovalnice, ki najema zunanje izvajalce, dostop do vseh zadevnih podatkov, ki jih ima ponudnik storitve, dane v zunanje izvajanje, ne glede na to, ali je ta reguliran ali nereguliran subjekt, ter pravico do izvajanja pregledov na mestu samem.
In order to take account of market developments and to ensure that the conditions for outsourcing continue to be complied with, the supervisory authorities should be informed prior to the outsourcing of critical or important functions or activities.
Da se upošteva razvoj trga in zagotovi, da so pogoji za zunanje izvajanje še naprej izpolnjeni, bi morali biti nadzorni organi obveščeni še pred dajanjem kritičnih ali pomembnih funkcij oziroma dejavnosti v zunanje izvajanje.
Those requirements should take into account the work of the Joint Forum and are consistent with the current rules and practices in the banking sector and Directive 2004/39/EC and its application to credit institutions.
Te zahteve bi morale upoštevati delo skupnega foruma in so skladne z veljavnimi pravili in praksami v bančnem sektorju ter z Direktivo 2004/39/ES in njeno uporabo za kreditne institucije.
In order to guarantee transparency, insurance and reinsurance undertakings should publicly disclose – that is to say make it available to the public either in printed or electronic form free of charge – at least annually, essential information on their solvency and financial condition.
Da bi zagotovile preglednost, bi morale zavarovalnice in pozavarovalnice najmanj enkrat letno javnosti razkriti bistvene informacije o svoji solventnosti in finančnem stanju - to pomeni, da se jih da na voljo javnosti brezplačno v tiskani ali elektronski obliki.
Undertakings should be allowed to disclose publicly additional information on a voluntary basis.
Podjetjem bi moralo biti dovoljeno, da lahko dodatne informacije razkrijejo javnosti prostovoljno..
Provision should be made for exchanges of information between the supervisory authorities and authorities or bodies which, by virtue of their function, help to strengthen the stability of the financial system.
Treba bi bilo omogočiti izmenjavo podatkov med nadzornimi organi ter organi ali telesi, ki na podlagi svoje funkcije pomagajo krepiti stabilnost finančnega sistema.
It is therefore necessary to specify the conditions under which those exchanges of information should be possible.
Zato je treba opredeliti pogoje, pod katerimi so te izmenjave informacij mogoče.
Moreover, where information may be disclosed only with the express agreement of the supervisory authorities, those authorities should be able, where appropriate, to make their agreement subject to compliance with strict conditions.
Kjer je informacije dovoljeno razkriti samo z izrecnim soglasjem nadzornih organov, bi bilo treba tem organom omogočiti, da po potrebi svoje soglasje pogojujejo z izpolnjevanjem strožjih pogojev.
It is necessary to promote supervisory convergence not only in respect of supervisory tools but also in respect of supervisory practices.
Treba je spodbujati konvergentnost nadzora, ne samo v zvezi z nadzornimi orodji, temveč tudi v zvezi z nadzornimi praksami.
The Committee of European Insurance and Occupational Pensions Supervisors (CEIOPS) established by Commission Decision 2009/79/EC [19] should play an important role in this respect and report regularly to the European Parliament and the Commission on the progress made.
Odbor evropskih nadzornikov za zavarovanja in poklicne pokojnine (CEIOPS), ustanovljen s Sklepom Komisije 2009/79/ES [19], bi moral imeti v zvezi s tem pomembno vlogo in redno poročati Evropskemu parlamentu in Komisiji o doseženem napredku.
The objective of the information and report to be presented in relation to capital add-ons by CEIOPS is not to inhibit their use as permitted under this Directive but to contribute to an ever higher degree of supervisory convergence in the use of capital add-ons between supervisory authorities in the different Member States.
Namen informacij in poročil, ki jih bo CEIOPS predložil v zvezi s kapitalskimi pribitki, ni preprečiti njihovo uporabo, ki jo omogoča ta direktiva, ampak prispevati k višji stopnji nadzornega zbliževanja med nadzornimi organi v različnih državah članicah v zvezi z uporabo kapitalskih pribitkov.
In order to limit the administrative burden and avoid duplication of tasks, supervisory authorities and national statistical authorities should cooperate and exchange information.
Da omejijo upravno breme in se izognejo podvajanju nalog, bi morali nadzorni organi in nacionalni statistični uradi sodelovati in si izmenjevati informacije.
For the purposes of strengthening the supervision of insurance and reinsurance undertakings and the protection of policy holders, the statutory auditors within the meaning of Directive 2006/43/EC of the European Parliament and of the Council of 17 May 2006 on statutory audits of annual accounts and consolidated accounts [20] should have a duty to report promptly any facts which are likely to have a serious effect on the financial situation or the administrative organisation of an insurance or a reinsurance undertaking.
Zaradi okrepitve nadzora zavarovalnic in pozavarovalnic ter zaščite imetnikov polic bi morali zakoniti revizorji v smislu Direktive 2006/43/ES Evropskega parlamenta in Sveta z dne 17. maja 2006 o obveznih revizijah za letne in konsolidirane računovodske izkaze [20] nemudoma sporočiti vsako dejstvo, ki bi lahko resno vplivalo na finančno stanje ali upravno organizacijo zavarovalnice ali pozavarovalnice.
Insurance undertakings pursuing both life and non-life activities should manage those activities separately, in order to protect the interests of life policy holders.
Zavarovalnice, ki opravljajo dejavnosti življenjskega in neživljenjskega zavarovanja, bi morale te dejavnosti upravljati ločeno, da bi zavarovale interese imetnikov življenjskih zavarovalnih polic.
In particular, those undertakings should be subject to the same capital requirements as those applicable to an equivalent insurance group, made up of a life insurance undertaking and a non-life undertaking, taking into account the increased transferability of capital in the case of composite insurance undertakings.
Zlasti bi morale za te zavarovalnice veljati enake kapitalske zahteve, kot veljajo za ustrezno zavarovalniško skupino, ki jo sestavljata zavarovalnica za življenjsko zavarovanje in zavarovalnica za neživljenjsko zavarovanje, ob upoštevanju povečane prenosljivosti kapitala v primeru sestavljenih zavarovalnic.
The assessment of the financial position of insurance and reinsurance undertakings should rely on sound economic principles and make optimal use of the information provided by financial markets, as well as generally available data on insurance technical risks.
Ocena finančnega položaja zavarovalnic in pozavarovalnic bi morala temeljiti na trdnih ekonomskih načelih in optimalno uporabiti informacije, ki jih zagotovijo finančni trgi, ter splošno razpoložljive podatke o zavarovalniških tehničnih tveganjih.
In particular, solvency requirements should be based on an economic valuation of the whole balance sheet.
Zlasti bi morala na ekonomski oceni celotne bilance stanja temeljiti zahtevana solventnost.
Valuation standards for supervisory purposes should be compatible with international accounting developments, to the extent possible, so as to limit the administrative burden on insurance or reinsurance undertakings.
Standardi vrednotenja za namene nadzora bi morali biti skladni z razvojem na področju mednarodnega računovodstva, kolikor je to mogoče, da se omeji upravno breme za zavarovalnice in pozavarovalnice.
In accordance with that approach, capital requirements should be covered by own funds, irrespective of whether they are on or off the balance-sheet items.
V skladu s tem pristopom bi se morale kapitalske zahteve kriti z lastnimi sredstvi, ne glede na to ali gre za bilančne ali zunajbilančne postavke.
Since not all financial resources provide full absorption of losses in the case of winding-up and on a going-concern basis, own-fund items should be classified in accordance with quality criteria into three tiers, and the eligible amount of own funds to cover capital requirements should be limited accordingly.
Ker vsi finančni viri ne zagotavljajo pokritja izgube v primeru prenehanja poslovanja in pri običajnem poslovanju, bi bilo treba lastna sredstva razvrstiti v tri stopnje skladu z merili kakovosti, znesek lastnih sredstev, ki izpolnjujejo pogoje za kritje kapitalskih zahtev pa je treba temu primerno omejiti.
The limits applicable to own-fund items should only apply to determine the solvency standing of insurance and reinsurance undertakings, and should not further restrict the freedom of those undertakings with respect to their internal capital management.
Omejitve, ki veljajo za postavke lastnih sredstev, bi se morale uporabljati samo za določitev solventnega stanja zavarovalnic in pozavarovalnic, ne bi pa smele nadalje omejevati svobode teh podjetij v zvezi z notranjim upravljanjem kapitala.