natgillin/translations-raw huggingface dataset:
to determine the nature, the scope and the format of the information referred to in paragraph 1 which they require insurance and reinsurance undertakings to submit at the following points in time:
da določijo naravo, obseg in obliko podatkov iz odstavka 1, za katere zahtevajo, da jih zavarovalnice in pozavarovalnice predložijo v naslednjih časovnih obdobjih:
at predefined periods;
v vnaprej določenih obdobjih;
upon occurrence of predefined events;
ob vnaprej določenih dogodkih;
during enquiries regarding the situation of an insurance or reinsurance undertaking;
v času poizvedb glede stanja zavarovalnice ali pozavarovalnice;
to obtain any information regarding contracts which are held by intermediaries or regarding contracts which are entered into with third parties; and
da pridobijo vse podatke v zvezi s pogodbami, ki jih imajo posredniki, ali v zvezi s pogodbami, ki so sklenjene s tretjimi osebami; in
to require information from external experts, such as auditors and actuaries.
da zahtevajo podatke od zunanjih strokovnjakov, kot so revizorji in aktuarji.
The information referred to in paragraphs 1 and 2 shall comprise the following:
Podatki iz odstavkov 1 in 2 vsebujejo:
qualitative or quantitative elements, or any appropriate combination thereof;
kakovostne in količinske elemente ali kakršno koli primerno kombinacijo obojih;
historic, current or prospective elements, or any appropriate combination thereof; and
pretekle, sedanje ali prihodnje elemente ali kakršno koli primerno kombinacijo teh elementov; in
data from internal or external sources, or any appropriate combination thereof.
podatke iz notranjih ali zunanjih virov ali kakršno koli kombinacijo obojih.
The information referred to in paragraphs 1 and 2 shall comply with the following principles:
Podatki iz odstavkov 1 in 2 so skladni z naslednjimi načeli::
it must reflect the nature, scale and complexity of the business of the undertaking concerned, and in particular the risks inherent in that business;
odražati morajo naravo, obseg in zahtevnost poslovanja zadevnega podjetja, zlasti pa tveganja, ki so del tega posla;
it must be accessible, complete in all material respects, comparable and consistent over time; and
morajo biti dostopni, popolni z vseh pomembnih vidikov, primerljivi in ves čas dosledni; in
it must be relevant, reliable and comprehensible.
morajo biti ustrezni, zanesljivi in razumljivi.
Member States shall require insurance and reinsurance undertakings to have appropriate systems and structures in place to fulfil the requirements laid down in paragraphs 1 to 4 as well as a written policy, approved by the administrative, management or supervisory body of the insurance or reinsurance undertaking, ensuring the ongoing appropriateness of the information submitted.
Države članice od zavarovalnic in pozavarovalnic zahtevajo, da imajo na voljo ustrezne sisteme za izpolnjevanje zahtev iz odstavkov 1 do 4 kot tudi pisna pravila, ki so jih odobrili upravni, upravljalni ali nadzorni organi zavarovalnic ali pozavarovalnic in ki omogočajo stalno ustreznost predloženih podatkov.
The Commission shall adopt implementing measures specifying the information referred to in paragraphs 1 to 4, with a view to ensuring to the appropriate extent convergence of supervisory reporting.
Komisija sprejme izvedbene ukrepe, ki podrobno določajo podatke iz odstavkov 1 do 4, da v ustrezni meri zagotovi konvergenco nadzornega poročanja.
Article 36
ČLEN 36
Supervisory review process
Postopek nadzornega pregleda
Member States shall ensure that the supervisory authorities review and evaluate the strategies, processes and reporting procedures which are established by the insurance and reinsurance undertakings to comply with the laws, regulations and administrative provisions adopted pursuant to this Directive.
Države članice zagotovijo, da nadzorni organi pregledajo in ovrednotijo strategije, procese in postopke poročanja, ki so jih zavarovalnice in pozavarovalnice vzpostavile za upoštevanje zakonov in drugih predpisov, ki so bili sprejeti v skladu s to direktivo.
That review and evaluation shall comprise the assessment of the qualitative requirements relating to the system of governance, the assessment of the risks which the undertakings concerned face or may face and the assessment of the ability of those undertakings to assess those risks taking into account the environment in which the undertakings are operating.
Ti pregledi in vrednotenja zajemajo oceno kakovostnih zahtev, ki se nanašajo na sistem upravljanja, oceno tveganj, s katerimi se zadevna podjetja soočajo ali se lahko soočijo in oceno zmožnosti teh podjetij, da ocenijo ta tveganja ob upoštevanju okolja v katerem podjetja poslujejo.
The supervisory authorities shall in particular review and evaluate compliance with the following:
Nadzorni organi pregledajo in ovrednotijo zlasti:
the system of governance, including the own-risk and solvency assessment, as set out in Chapter IV, Section 2;
sistem upravljanja, vključno z lastno oceno tveganja in solventnosti, iz oddelka 2 poglavja IV;
the technical provisions as set out in Chapter VI, Section 2;
zavarovalno-tehnične rezervacije iz oddelka 2 poglavja IV;
the capital requirements as set out in Chapter VI, Sections 4 and 5;
zahtevani kapital iz oddelkov 4 in 5 poglavja VI;
the investment rules as set out in Chapter VI, Section 6;
naložbena pravila iz oddelka 6 poglavja VI;
the quality and quantity of own funds as set out in Chapter VI, Section 3;
kakovost in količino lastnih sredstev iz oddelka 3 poglavja VI;
where the insurance or reinsurance undertaking uses a full or partial internal model, on-going compliance with the requirements for full and partial internal models set out in Chapter VI, Section 4, Subsection 3.
če zavarovalnica ali pozavarovalnica uporablja popolni ali delni notranji model, stalno skladnost z zahtevami za popolne ali delne notranje modele iz pododdelka 3 oddelka 4 poglavja VI.
The supervisory authorities shall have in place appropriate monitoring tools that enable them to identify deteriorating financial conditions in an insurance or reinsurance undertaking and to monitor how that deterioration is remedied.
Nadzorni organi imajo na voljo ustrezna orodja za spremljanje, da lahko ugotovijo poslabšanje finančnega stanja zavarovalnice ali pozavarovalnice in da spremljajo, kako se takšno poslabšanje odpravi.
The supervisory authorities shall assess the adequacy of the methods and practices of the insurance and reinsurance undertakings designed to identify possible events or future changes in economic conditions that could have adverse effects on the overall financial standing of the undertaking concerned.
Nadzorni organi ocenijo ustreznost metod in praks zavarovalnic in pozavarovalnic, ki so namenjene opredelitvi možnih dogodkov ali prihodnjih sprememb v gospodarskih razmerah, ki bi lahko neugodno vplivali na splošni finančni položaj zadevnega podjetja.
The supervisory authorities shall assess the ability of the undertakings to withstand those possible events or future changes in economic conditions.
Nadzorni organi ocenijo sposobnost podjetja, da prenese takšne možne dogodke ali prihodnje spremembe v gospodarskih razmerah.
The supervisory authorities shall have the necessary powers to require insurance and reinsurance undertakings to remedy weaknesses or deficiencies identified in the supervisory review process.
Nadzorni organi imajo potrebna pooblastila, da od zavarovalnic in pozavarovalnic zahtevajo, da odpravijo slabosti ali pomanjkljivosti, ki so bile ugotovljene v postopku nadzornega pregleda.
The reviews, evaluations and assessments referred to in paragraphs 1, 2 and 4 shall be conducted regularly.
Pregledi, vrednotenja in ocene iz odstavkov 1, 2 in 4 se izvajajo redno.
The supervisory authorities shall establish the minimum frequency and the scope of those reviews, evaluations and assessments having regard to the nature, scale and complexity of the activities of the insurance or reinsurance undertaking concerned.
Nadzorni organi vzpostavijo najmanjšo pogostost in obseg teh pregledov, vrednotenj in ocenjevanj, pri čemer upoštevajo naravo, obseg in zahtevnost dejavnosti zadevne zavarovalnice ali pozavarovalnice.
Article 37
ČLEN 37
Capital add-on
Kapitalski pribitek
Following the supervisory review process supervisory authorities may in exceptional circumstances set a capital add-on for an insurance or reinsurance undertaking by a decision stating the reasons.
Po postopku nadzornega pregleda lahko nadzorni organi v izjemnih okoliščinah določijo kapitalski pribitek za zavarovalnico ali pozavarovalnico s sklepom, ki navaja razloge za to.
That possibility shall exist only in the following cases:
Takšna možnost obstaja le v naslednjih primerih:
the supervisory authority concludes that the risk profile of the insurance or reinsurance undertaking deviates significantly from the assumptions underlying the Solvency Capital Requirement, as calculated using the standard formula in accordance with Chapter VI, Section 4, Subsection 2 and:
nadzorni organ sklene, da profil tveganj zavarovalnice ali pozavarovalnice močno odstopa od predpostavk, ki so bile osnova za zahtevani solventnostni kapital, kot je bil izračunan po standardni formuli v skladu s pododdelkom 2 oddelka 4 poglavja VI, in:
the requirement to use an internal model under Article 119 is inappropriate or has been ineffective; or
je zahteva za uporabo notranjega modela iz člena 119 neustrezna ali je bila neučinkovita; ali
while a partial or full internal model is being developed in accordance with Article 119;
medtem ko se razvija delni ali popolni notranji model v skladu s členom 119;
the supervisory authority concludes that the risk profile of the insurance or reinsurance undertaking deviates significantly from the assumptions underlying the Solvency Capital Requirement, as calculated using an internal model or partial internal model in accordance with Chapter VI, Section 4, Subsection 3, because certain quantifiable risks are captured insufficiently and the adaptation of the model to better reflect the given risk profile has failed within an appropriate timeframe; or
nadzorni organ sklene, da profil tveganj zavarovalnice ali pozavarovalnice močno odstopa od predpostavk, ki so bile osnova za zahtevani solventnostni kapital, kot je bil izračunan po notranjem modelu ali delnem notranjem modelu v skladu s pododdelkom 3 oddelka 4 poglavja VI, ker so nekatera merljiva tveganja pomanjkljivo zajeta in ker model ni bil prilagojen v ustreznem časovnem obdobju, da bi bolje odražal dani profil tveganj; ali
the supervisory authority concludes that the system of governance of an insurance or reinsurance undertaking deviates significantly from the standards laid down in Chapter IV, Section 2, that those deviations prevent it from being able to properly identify, measure, monitor, manage and report the risks that it is or could be exposed to and that the application of other measures is in itself unlikely to improve the deficiencies sufficiently within an appropriate timeframe.
nadzorni organ sklene, da sistem upravljanja zavarovalnice ali pozavarovalnice močno odstopa od standardov, ki so določeni v oddelku 2 poglavja IV, da te razlike onemogočajo, da se pravilno opredeli, izmeri, spremlja, obvladuje in poroča o tveganju, ki jim je ali bi jim lahko bila zavarovalnica ali pozavarovalnica izpostavljena in da je malo možnosti, da bi uporaba drugih ukrepov sama po sebi lahko dovolj izboljšala pomanjkljivosti v primernem časovnem obdobju.
In the circumstances set out in points (a) and (b) of paragraph 1 the capital add-on shall be calculated in such a way as to ensure that the undertaking complies with Article 101(3).
V okoliščinah iz točk (a) in (b) odstavka 1 tega člena se kapitalski pribitek izračuna na način, ki zagotavlja, da podjetje upošteva člen 101(3).
In the circumstances set out in paragraph 1(c) the capital add-on shall be proportionate to the material risks arising from the deficiencies which gave rise to the decision of the supervisory authority to set the add-on.
V okoliščinah iz točke (c) odstavka 1 tega člena je kapitalski pribitek sorazmeren z materialnimi tveganji, ki nastajajo zaradi pomanjkljivosti, zaradi katerih se je nadzorni organ odločil, da določi ta pribitek.
In the cases set out in points (b) and (c) of paragraph 1 the supervisory authority shall ensure that the insurance or reinsurance undertaking makes every effort to remedy the deficiencies that led to the imposition of the capital add-on.
V primerih iz točk (b) in (c) odstavka 1 nadzorni organ zagotovi, da zavarovalnica ali pozavarovalnica naredi vse, da odpravi pomanjkljivosti, ki so pripeljale do uvedbe kapitalskega pribitka.
The capital add-on referred to in paragraph 1 shall be reviewed at least once a year by the supervisory authority and be removed when the undertaking has remedied the deficiencies which led to its imposition.
Kapitalski pribitek iz odstavka 1 nadzorni organ preuči najmanj enkrat letno in ga odpravi, ko je podjetje odpravilo pomanjkljivosti, ki so pripeljale do njegove uvedbe.
The Solvency Capital Requirement including the capital add-on imposed shall replace the inadequate Solvency Capital Requirement.
Zahtevani solventnostni kapital skupaj s kapitalskim pribitkom, ki je bil naložen, nadomesti neustrezni zahtevani solventnostni kapital.
Notwithstanding the first subparagraph the Solvency Capital Requirement shall not include the capital add-on imposed in accordance with paragraph 1(c) for the purposes of the calculation of the risk margin referred to in Article 77(5).
Ne glede na prvi pododstavek zahtevani solventnostni kapital ne bi smel vključevati kapitalskega pribitka, ki se zahteva v skladu s točko (c) odstavka 1 za izračun marže za tveganje iz člena 77(5).
The Commission shall adopt implementing measures laying down further specifications for the circumstances under which a capital add-on may be imposed and the methodologies for the calculation thereof.
Komisija sprejme izvedbene ukrepe, ki določajo nadaljnje specifikacije za okoliščine, v katerih se lahko naloži kapitalski pribitek, in metodologije za njegov izračun.
Article 38
ČLEN 38
Supervision of outsourced functions and activities
Nadzor zunanjega izvajanja funkcij in dejavnosti
Without prejudice to Article 49, Member States shall ensure that insurance and reinsurance undertakings which outsource a function or an insurance or reinsurance activity take the necessary steps to ensure that the following conditions are satisfied:
Brez poseganja v člen 49 države članice zagotovijo, da zavarovalnice in pozavarovalnice, ki oddajo funkcijo ali dejavnost zavarovanja ali pozavarovanja v zunanje izvajanje, sprejmejo ustrezne ukrepe, da se zagotovi izpolnjevanje naslednjih pogojev:
the service provider must cooperate with the supervisory authorities of the insurance and reinsurance undertaking in connection with the outsourced function or activity;
ponudnik storitev mora sodelovati z nadzornimi organi zavarovalnice in pozavarovalnice v zvezi s funkcijo ali dejavnostjo, ki se odda v zunanje izvajanje;
the insurance and reinsurance undertakings, their auditors and the supervisory authorities must have effective access to data related to the outsourced functions or activities;
zavarovalnice in pozavarovalnice, njihovi revizorji in nadzorni organi morajo imeti učinkovit dostop do podatkov, ki se nanašajo na funkcije ali dejavnosti, oddane v zunanje izvajanje;
the supervisory authorities must have effective access to the business premises of the service provider and must be able to exercise those rights of access.
nadzorni organi morajo imeti učinkovit dostop do poslovnih prostorov ponudnika storitevin morajo imeti možnost izvajanja teh pravic dostopa.
The Member State where the service provider is located shall permit the supervisory authorities of the insurance or reinsurance undertaking to carry out themselves, or through the intermediary of persons they appoint for that purpose, on-site inspections at the premises of the service provider.
Država članica, kjer se nahaja ponudnik storitev, nadzornim organom zavarovalnice ali pozavarovalnice dovoli, da sami ali preko posredovanja oseb, ki jih v ta namen imenujejo, izvajajo preglede na kraju samem v prostorih ponudnika storitev.
The supervisory authority of the insurance or reinsurance undertaking shall inform the appropriate authority of the Member State of the service provider prior to conducting the on-site inspection.
Nadzorni organ zavarovalnice ali pozavarovalnice obvesti ustrezni organ države članice ponudnika storitev pred izvedbo pregleda na kraju samem.
In the case of a non-supervised entity the appropriate authority shall be the supervisory authority.
V primeru nenadzorovanega subjekta je ustrezni organ nadzorni organ.
The supervisory authorities of the Member State of the insurance or reinsurance undertaking may delegate such on-site inspections to the supervisory authorities of the Member State where the service provider is located.
Nadzorni organi države članice zavarovalnice ali pozavarovalnice lahko takšne preglede na kraju samem prenesejo na nadzorne organe države članice, kjer se nahaja ponudnik storitev.
Under the conditions laid down by national law, Member States shall authorise insurance and reinsurance undertakings with head offices within their territory to transfer all or part of their portfolios of contracts, concluded either under the right of establishment or the freedom to provide services, to an accepting undertaking established within the Community.
Države članice pod pogoji, določenimi z nacionalnim pravom, pooblastijo zavarovalnice in pozavarovalnice s sedežem na njihovem ozemlju, da v celoti ali delno prenesejo portfelj zavarovalnih pogodb, sklenjenih iz naslova pravice do ustanavljanja ali iz naslova svobode opravljanja storitev, na prevzemno podjetje s sedežem v Skupnosti.
Such transfer shall be authorised only if the supervisory authorities of the home Member State of the accepting undertaking certify that after taking the transfer into account the accepting undertaking possesses the necessary eligible own funds to cover the Solvency Capital Requirement referred to in the first paragraph of Article 100.
Tak prenos se lahko dovoli, le če nadzorni organi domače države članice prevzemnega podjetja potrdijo, da ima prevzemno podjetje ob upoštevanju prenosa potrebna primerna lastna sredstva, ki izpolnjujejo pogoje za kritje zahtevanega solventnostnega kapitala iz prvega odstavka člena 100.
In the case of insurance undertakings paragraphs 3 to 6 shall apply.
V primeru zavarovalnic se uporabljajo odstavki 3 do 6.
Where a branch proposes to transfer all or part of its portfolio of contracts, the Member State where that branch is situated shall be consulted.
Če podružnica predlaga prenos vsega ali dela svojega portfelja zavarovalnih pogodb, se posvetuje z državo članico, v kateri se nahaja podružnica.
In the circumstances referred to in paragraphs 1 and 3, the supervisory authorities of the home Member State of the transferring insurance undertaking shall authorise the transfer after obtaining the agreement of the authorities of the Member States where the contracts were concluded, either under the right of establishment or the freedom to provide services.
V okoliščinah iz odstavkov 1 in 3 nadzorni organi domače države članice prenosne zavarovalnice dovolijo prenos po pridobitvi soglasja organov držav članic, kjer so bile pogodbe sklenjene iz naslova pravice do ustanavljanja ali iz naslova svobode opravljanja storitev.
The authorities of the Member States consulted shall give their opinion or consent to the authorities of the home Member State of the transferring insurance undertaking within three months of receiving a request for consultation.
Organi držav članic, s katerimi se posvetujejo, organom domače države članice prenosne zavarovalnice dajo svoje mnenje ali odobritev v treh mesecih od prejema zahteve za posvetovanje.
The absence of any response within that period from the authorities consulted shall be considered as tacit consent.
Če v tem obdobju od organov, s katerimi so se posvetovali, ne prejmejo nobenega odgovora, se to šteje kot tiho soglasje.
A transfer of portfolio authorised in accordance with paragraphs 1 to 5 shall be published either prior to or following authorisation, as laid down by the national law of the home Member State, of the Member State in which the risk is situated, or of the Member State of the commitment.
Prenos portfelja, dovoljen v skladu z odstavki 1 do 5, se objavi pred ali po izdaji dovoljenja pod pogoji, določenimi z nacionalnim pravom domače države članice, države članice, v kateri je nevarnost, ali države članice obveznosti.
Such transfers shall automatically be valid against policy holders, the insured persons and any other person having rights or obligations arising out of the contracts transferred.
Takšen prenos samodejno velja za imetnike polic, zavarovance in vse druge osebe, ki imajo pravice ali dolžnosti, ki izhajajo iz prenesenih pogodb.
The first and second subparagraphs of this paragraph shall not affect the right of the Member States to give policy holders the option of cancelling contracts within a fixed period after a transfer.
Prvi in drugi pododstavek tega odstavka ne vplivata na pravico držav članic, da imetnikom polic zagotovijo možnost odpovedi pogodbe v določenem roku po prenosu.
Conditions governing business
Pogoji, ki urejajo opravljanje poslov
Responsibility of the administrative, management or supervisory body
Odgovornost upravnih, upravljalnih ali nadzornih organov
Member States shall ensure that the administrative, management or supervisory body of the insurance or reinsurance undertaking has the ultimate responsibility for the compliance, by the undertaking concerned, with the laws, regulations and administrative provisions adopted pursuant to this Directive.
Države članice zagotovijo, da imajo upravni, upravljalni ali nadzorni organi zavarovalnice ali pozavarovalnice končno odgovornost za skladnost zadevnega podjetja z zakoni in drugimi predpisi, sprejetimi v skladu s to direktivo.
System of governance
Sistem upravljanja
Article 41
ČLEN 41
General governance requirements
Splošne zahteve glede upravljanja
Member States shall require all insurance and reinsurance undertakings to have in place an effective system of governance which provides for sound and prudent management of the business.
Države članice zahtevajo od vseh zavarovalnic in pozavarovalnic, da imajo na voljo učinkovit sistem upravljanja, ki zagotavlja dobro in preudarno upravljanje dejavnosti.
That system shall at least include an adequate transparent organisational structure with a clear allocation and appropriate segregation of responsibilities and an effective system for ensuring the transmission of information.
Sistem vključuje najmanj ustrezno pregledno organizacijsko strukturo z jasno dodelitvijo in ustrezno ločitvijo odgovornosti ter učinkovit sistem za zagotovitev prenosa informacij.
It shall include compliance with the requirements laid down in Articles 42 to 49.
Vključuje tudi skladnost z zahtevami, določenimi v členih 42 do 49.
The system of governance shall be subject to regular internal review.
Sistem upravljanja je predmet rednega notranjega pregleda.
The system of governance shall be proportionate to the nature, scale and complexity of the operations of the insurance or reinsurance undertaking.
Sistem upravljanja je sorazmeren glede na naravo, obseg in zahtevnost poslov zavarovalnice ali pozavarovalnice.
Insurance and reinsurance undertakings shall have written policies in relation to at least risk management, internal control, internal audit and, where relevant, outsourcing.
Zavarovalnice in pozavarovalnice imajo pisna pravila vsaj v zvezi z obvladovanjem tveganj, notranjim nadzorom, notranjo revizijo in če je primerno zunanjim izvajanjem.
They shall ensure that those policies are implemented.
Zagotovijo tudi, da se ta pravila izvajajo.
Those written policies shall be reviewed at least annually.
Ta pisna pravila se pregledajo vsaj enkrat letno.