natgillin/translations-raw huggingface dataset:
Directive 2000/46/EC of the European Parliament and of the Council of 18 September 2000 on the taking up, pursuit of and prudential supervision of the business of electronic money institutions [4] was adopted in response to the emergence of new pre-paid electronic payment products and was intended to create a clear legal framework designed to strengthen the internal market while ensuring an adequate level of prudential supervision.
Direktiva 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 [4] je bila sprejeta kot odgovor na nastanek novih predplačniških elektronskih plačilnih proizvodov, njen namen pa je bila vzpostavitev jasnega pravnega okvira, zasnovanega za krepitev notranjega trga ob zagotavljanju ustrezne stopnje nadzora skrbnega in varnega poslovanja.
In its review of Directive 2000/46/EC the Commission highlighted the need to revise that Directive since some of its provisions were considered to have hindered the emergence of a true single market for electronic money services and the development of such user-friendly services.
Komisija je v svoji reviziji Direktive 2000/46/ES izpostavila potrebo po reviziji navedene Direktive, ker naj bi bile nekatere njene določbe ovira za vzpostavitev resničnega enotnega trga za storitve v zvezi z elektronskim denarjem in za razvoj tovrstnih storitev, ki so prijazne za uporabnika.
Directive 2007/64/EC of the European Parliament and of the Council of 13 November 2007 on payment services in the internal market [5] has established a modern and coherent legal framework for payment services, including the coordination of national provisions on prudential requirements for a new category of payment service providers, namely payment institutions.
Z Direktivo 2007/64/ES Evropskega parlamenta in Sveta z dne 13. novembra 2007 o plačilnih storitvah na notranjem trgu [5] je bil vzpostavljen sodoben in celovit pravni okvir za plačilne storitve, vključno z uskladitvijo nacionalnih določb o zahtevah glede skrbnega in varnega poslovanja za novo kategorijo ponudnikov plačilnih storitev, in sicer plačilne institucije.
With the objective of removing barriers to market entry and facilitating the taking up and pursuit of the business of electronic money issuance, the rules to which electronic money institutions are subject need to be reviewed so as to ensure a level playing field for all payment services providers.
Da bi odpravili ovire za vstop na trg ter olajšali začetek opravljanja in opravljanje dejavnosti institucij za izdajo elektronskega denarja, je treba pregledati pravila, ki veljajo za institucije za izdajo elektronskega denarja, in zagotoviti enake konkurenčne pogoje za vse ponudnike plačilnih storitev.
It is appropriate to limit the application of this Directive to payment service providers that issue electronic money.
Uporabo te direktive je primerno omejiti na ponudnike plačilnih storitev, ki izdajajo elektronski denar.
This Directive should not apply to monetary value stored on specific pre-paid instruments, designed to address precise needs that can be used only in a limited way, because they allow the electronic money holder to purchase goods or services only in the premises of the electronic money issuer or within a limited network of service providers under direct commercial agreement with a professional issuer, or because they can be used only to acquire a limited range of goods or services.
Ta direktiva se ne bi smela uporabljati za denarno vrednost, shranjeno na posebnih predplačniških instrumentih, namenjenih za obravnavanje določenih potreb, katerih načini uporabe so omejeni, bodisi zato, ker imetniku elektronskega denarja omogočajo nakup blaga ali storitev samo v prostorih izdajatelja elektronskega denarja ali v okviru omejene mreže ponudnikov storitev na podlagi neposrednega trgovinskega sporazuma s poklicnim izdajateljem, bodisi zato, ker jih je mogoče uporabljati samo za nakup omejenega izbora blaga ali storitev.
An instrument should be considered to be used within such a limited network if it can be used only either for the purchase of goods and services in a specific store or chain of stores, or for a limited range of goods or services, regardless of the geographical location of the point of sale.
Za instrument bi se moralo šteti, da se uporablja v okviru omejene mreže, če ga je mogoče uporabljati samo za nakup blaga in storitev v posebni trgovini ali verigi trgovin ali za omejen izbor blaga ali storitev, ne glede na zemljepisno lego prodajnega mesta.
Such instruments could include store cards, petrol cards, membership cards, public transport cards, meal vouchers or vouchers for services (such as vouchers for childcare, or vouchers for social or services schemes which subsidise the employment of staff to carry out household tasks such as cleaning, ironing or gardening), which are sometimes subject to a specific tax or labour legal framework designed to promote the use of such instruments to meet the objectives laid down in social legislation.
Taki instrumenti lahko vključujejo kartice trgovin, kartice za nakup goriva, članske kartice, kartice za javni prevoz, bone za prehrano ali bone za storitve (kot so na primer boni za varstvo otrok, boni za socialno področje ali sistemi bonov za storitve, ki subvencionirajo zaposlovanje osebja za izvajanje gospodinjskih del, kot je čiščenje, likanje ali vrtnarjenje), za katere včasih velja poseben pravni okvir na področju obdavčitve ali na področju delovnega prava, ki je namenjen spodbujanju uporabe takih instrumentov, da se izpolnijo cilji socialne zakonodaje.
Where such a specific-purpose instrument develops into a general-purpose instrument, the exemption from the scope of this Directive should no longer apply.
Kjer se tak instrument za posebne namene razvije v instrument za splošne namene, se izvzetje iz področja uporabe te direktive ne bi smelo več uporabljati.
Instruments which can be used for purchases in stores of listed merchants should not be exempted from the scope of this Directive as such instruments are typically designed for a network of service providers which is continuously growing.
Instrumenti, ki jih je mogoče uporabljati za nakupe v trgovinah trgovcev, ki so vključeni na seznam, ne bi smeli biti izvzeti iz področja uporabe te direktive, ker so praviloma zasnovani za mrežo ponudnikov storitev, ki se nenehno širi.
It is also appropriate that this Directive not apply to monetary value that is used to purchase digital goods or services, where, by virtue of the nature of the good or service, the operator adds intrinsic value to it, e.g. in the form of access, search or distribution facilities, provided that the good or service in question can be used only through a digital device, such as a mobile phone or a computer, and provided that the telecommunication, digital or information technology operator does not act only as an intermediary between the payment service user and the supplier of the goods and services.
Primerno je tudi, da se ta direktiva ne uporablja za denarno vrednost, ki se uporablja za nakup digitalnega blaga ali storitev, ki jim operater na podlagi njihovega značaja dodaja stvarno vrednost, npr. v obliki funkcij dostopa, iskanja ali prenosa, če je mogoče zadevno blago ali storitev uporabljati samo z digitalno napravo, kot je mobilni telefon ali računalnik, in če operater telekomunikacijskega, digitalnega ali informacijsko-tehnološkega omrežja ne deluje le kot posrednik med uporabnikom plačilnih storitev ter ponudnikom blaga in storitev.
This is a situation where a mobile phone or other digital network subscriber pays the network operator directly and there is neither a direct payment relationship nor a direct debtor-creditor relationship between the network subscriber and any third-party supplier of goods or services delivered as part of the transaction.
Ta situacija nastopi v primerih, kjer naročnik storitev omrežja mobilne telefonije ali drugega digitalnega omrežja neposredno plača operaterju omrežja in med naročnikom omrežnih storitev in katerim koli tretjim ponudnikom blaga ali storitev, ki se nudijo kot del transakcije, ne obstaja niti neposredno plačniško razmerje niti neposreden odnos dolžnik-upnik.
It is appropriate to introduce a clear definition of electronic money in order to make it technically neutral.
Primerno je določiti jasno opredelitev elektronskega denarja, da bo ta tehnično nevtralna.
That definition should cover all situations where the payment service provider issues a pre-paid stored value in exchange for funds, which can be used for payment purposes because it is accepted by third persons as a payment.
Navedena opredelitev bi morala pokrivati vse primere, v katerih ponudnik plačilnih storitev v zameno za sredstva izda predplačniško shranjeno vrednost, ki se lahko uporablja za namene plačila, saj jo tretje osebe sprejmejo kot plačilo.
The definition of electronic money should cover electronic money whether it is held on a payment device in the electronic money holder’s possession or stored remotely at a server and managed by the electronic money holder through a specific account for electronic money.
Opredelitev elektronskega denarja bi morala pokrivati elektronski denar, ki je bodisi shranjen v plačilni napravi, ki je v posesti imetnika elektronskega denarja, bodisi na oddaljenem strežniku, kjer z elektronskim denarjem upravlja imetnik elektronskega denarja prek posebnega računa za elektronski denar.
That definition should be wide enough to avoid hampering technological innovation and to cover not only all the electronic money products available today in the market but also those products which could be developed in the future.
Ta opredelitev bi morala biti dovolj široka, da se prepreči oviranje tehnoloških inovacij in da pokriva ne le proizvode elektronskega denarja, ki so na voljo na trgu danes, temveč tudi tiste proizvode, ki bi lahko bili razviti v prihodnosti.
The prudential supervisory regime for electronic money institutions should be reviewed and aligned more closely with the risks faced by those institutions.
Režim za nadzor skrbnega in varnega poslovanja institucij za izdajo elektronskega denarja bi bilo treba pregledati in bolj uskladiti s tveganji, s katerimi se soočajo te institucije.
That regime should also be made coherent with the prudential supervisory regime applying to payment institutions under Directive 2007/64/EC.
Prav tako bi ga bilo treba uskladiti z režimom za nadzor skrbnega in varnega poslovanja, ki se uporablja za plačilne institucije na podlagi Direktive 2007/64/ES.
In this respect, the relevant provisions of Directive 2007/64/EC should apply mutatis mutandis to electronic money institutions without prejudice to the provisions of this Directive.
S tem v zvezi bi se morale zadevne določbe Direktive 2007/64/ES smiselno uporabljati za institucije za izdajo elektronskega denarja, brez poseganja v določbe te direktive.
A reference to ‘payment institution’ in Directive 2007/64/EC therefore needs to be read as a reference to electronic money institution; a reference to ‘payment service’ needs to be read as a reference to the activity of payment services and issuing electronic money; a reference to ‘payment service user’ needs to be read as a reference to payment service user and electronic money holder; a reference to ‘this Directive’ needs to be read as a reference to both Directive 2007/64/EC and this Directive; a reference to Title II of Directive 2007/64/EC needs to be read as a reference to Title II of Directive 2007/64/EC and Title II of this Directive; a reference to Article 6 of Directive 2007/64/EC needs to be read as a reference to Article 4 of this Directive; a reference to Article 7(1) of Directive 2007/64/EC needs to be read as a reference to Article 5(1) of this Directive; a reference to Article 7(2) of Directive 2007/64/EC needs to be read as a reference to Article 5(6) of this Directive; a reference to Article 8 of Directive 2007/64/EC needs to be read as a reference to Article 5(2) to (5) of this Directive; a reference to Article 9 of Directive 2007/64/EC needs to be read as a reference to Article 7 of this Directive; a reference to Article 16(1) of Directive 2007/64/EC needs to be read as a reference to Article 6(1)(c) to (e) of this Directive; and a reference to Article 26 of Directive 2007/64/EC needs to be read as a reference to Article 9 of this Directive.
Sklicevanje na „plačilno institucijo“ iz Direktive 2007/64/ES bi se moralo brati kot sklicevanje na institucijo za izdajo elektronskega denarja; sklicevanje na „plačilne storitve“ bi se moralo brati kot sklicevanje na dejavnost plačilnih storitev in izdajanja elektronskega denarja; sklicevanje na „uporabnika plačilnih storitev“ bi se moralo brati kot sklicevanje na uporabnika plačilnih storitev ali imetnika elektronskega denarja; sklicevanje na „to direktivo“ bi se moralo brati kot sklicevanje na Direktivo 2007/64/ES in to direktivo; sklicevanje na naslov II Direktive 2007/64/ES bi se moralo brati kot sklicevanje na naslov II Direktive 2007/64/ES in naslov II te direktive; sklicevanje na člen 6 Direktive 2007/64/ES bi se moralo brati kot sklicevanje na člen 4 te direktive; sklicevanje na člen 7(1) Direktive 2007/64/ES bi se moralo brati kot sklicevanje na člen 5(1) te direktive; sklicevanje na člen 7(2) Direktive 2007/64/ES bi se moralo brati kot sklicevanje na člen 5(6) te direktive; sklicevanje na člen 8 Direktive 2007/64/ES bi se moralo brati kot sklicevanje na člen 5(2) do (5) te direktive; sklicevanje na člen 9 Direktive 2007/64/ES bi se moralo brati kot sklicevanje na člen 7 te direktive; sklicevanje na člen 16(1) Direktive 2007/64/ES bi se moralo brati kot sklicevanje na člen 6(1)(c) do (e) te direktive; in sklicevanje na člen 26 Direktive 2007/64/ES bi se moralo brati kot sklicevanje na člen 9 te direktive.
It is recognised that electronic money institutions distribute electronic money, including by selling or reselling electronic money products to the public, providing a means of distributing electronic money to customers, or of redeeming electronic money on the request of customers or of topping up customers’ electronic money products, through natural or legal persons on their behalf, according to the requirements of their respective business models.
Priznano je, da institucije za izdajo elektronskega denarja distribuirajo elektronski denar, vključno s prodajo ali preprodajo proizvodov elektronskega denarja javnosti, nudenjem načinov distribucije elektronskega denarja strankam ali unovčenjem elektronskega denarja na zahtevo strank oziroma dopolnitvijo proizvodov elektronskega denarja strank prek fizičnih ali pravnih oseb v njihovem imenu, v skladu z zahtevami njihovih zadevnih poslovnih modelov.
While electronic money institutions should not be permitted to issue electronic money through agents, they should none the less be permitted to provide the payment services listed in the Annex to Directive 2007/64/EC through agents, where the conditions in Article 17 of that Directive are met.
Medtem ko institucije za izdajo elektronskega denarja ne bi smele izdajati elektronskega denarja prek agentov, bi jim vendar moralo biti dovoljeno, da prek agentov opravljajo plačilne storitve, navedene v Prilogi k Direktivi 2007/64/ES, če so izpolnjeni pogoji iz člena 17 navedene direktive.
There is a need for a regime for initial capital combined with one for ongoing capital to ensure an appropriate level of consumer protection and the sound and prudent operation of electronic money institutions.
Obstaja potreba, da režim za ustanovni kapital, ki je kombiniran s tekočim kapitalom, zagotovi ustrezno raven zaščite potrošnikov ter dobro, skrbno in varno poslovanje institucij za izdajo elektronskega denarja.
Given the specificity of electronic money, an additional method for calculating ongoing capital should be provided for.
Glede na specifičnost elektronskega denarja bi bilo treba predvideti dodatno metodo za izračun tekočega kapitala.
Full supervisory discretion to ensure that the same risks are treated in the same way for all payment service providers and that the method of calculation encompasses the specific business situation of a given electronic money institution should be preserved.
Ohraniti bi bilo treba popolno diskrecijsko pravico nadzornih organov za zagotovitev, da so enaka tveganja obravnavana na enak način za vse ponudnike plačilnih storitev, in da metoda za izračun zajema specifičen poslovni položaj posamezne institucije za izdajo elektronskega denarja.
In addition, provision should be made for electronic money institutions to be required to keep the funds of electronic money holders separate from the funds of the electronic money institution for other business activities.
Poleg tega bi bilo treba določiti, da institucije za izdajo elektronskega denarja vodijo sredstva imetnikov elektronskega denarja ločeno od sredstev, ki jih institucija za izdajo elektronskega denarja uporablja za druge poslovne dejavnosti.
Electronic money institutions should also be subject to effective anti-money laundering and anti-terrorist financing rules.
Prav tako bi morala za institucije za izdajo elektronskega denarja veljati učinkovita pravila za preprečevanje pranja denarja in preprečevanje financiranja terorizma.
The operation of payment systems is an activity which is not reserved to specific categories of institution.
Upravljanje plačilnih sistemov je dejavnost, ki ni rezervirana samo za posebne kategorije institucij.
It is important to recognise, however, that, as is the case for payment institutions, it is also possible for the operation of payment systems to be carried out by electronic money institutions.
Kljub temu velja poudariti, da – kot v primeru plačilnih institucij – upravljanje plačilnih sistemov lahko izvajajo tudi institucije za izdajo elektronskega denarja.
The issuance of electronic money does not constitute a deposit-taking activity pursuant to 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 [6], in view of its specific character as an electronic surrogate for coins and banknotes, which is to be used for making payments, usually of limited amount and not as means of saving.
Izdajanje elektronskega denarja se ne šteje za dejavnost sprejemanja depozitov v skladu z Direktivo 2006/48/ES Evropskega parlamenta in Sveta z dne 14. junija 2006 o začetku opravljanja in opravljanju dejavnosti kreditnih institucij [6], in sicer zaradi njegove posebne lastnosti elektronskega nadomestka za kovance in bankovce, ki se uporablja za izvrševanje plačil, ponavadi v omejenih zneskih in ne kot način varčevanja.
Electronic money institutions should not be allowed to grant credit from the funds received or held for the purpose of issuing electronic money.
Institucijam za izdajo elektronskega denarja ne bi smelo biti dovoljeno dajati posojil iz sredstev, prejetih ali hranjenih za izdajanje elektronskega denarja.
Electronic money issuers should not, moreover, be allowed to grant interest or any other benefit unless those benefits are not related to the length of time during which the electronic money holder holds electronic money.
Poleg tega izdajatelji elektronskega denarja ne bi smeli podeljevati obresti ali drugih koristi, razen če te koristi niso povezane s časovnim obdobjem, v katerem imetnik elektronskega denarja hrani elektronski denar.
The conditions for granting and maintaining authorisation as electronic money institutions should include prudential requirements that are proportionate to the operational and financial risks faced by such bodies in the course of their business related to the issuance of electronic money, independently of any other commercial activities carried out by the electronic money institution.
Pogoji za izdajo in ohranjanje dovoljenja institucij za izdajo elektronskega denarja bi morali vsebovati zahteve za skrbno in varno poslovanje, ki so sorazmerne z operativnimi in finančnimi tveganji, s katerimi se soočajo taki subjekti pri svojem poslovanju, povezanim z izdajo elektronskega denarja, ki se izvaja neodvisno od vseh drugih komercialnih dejavnosti, ki jih izvaja institucija za izdajo elektronskega denarja.
It is necessary, however, to preserve a level playing field between electronic money institutions and credit institutions with regard to the issuance of electronic money to ensure fair competition for the same service among a wider range of institutions for the benefit of electronic money holders.
Vendar pa je treba glede izdajanja elektronskega denarja ohraniti enake konkurenčne pogoje med institucijami za izdajo elektronskega denarja in kreditnimi institucijami, da se tako v dobro imetnikov elektronskega denarja zagotovi poštena konkurenca za enako storitev znotraj širokega spektra institucij.
This should be achieved by balancing the less cumbersome features of the prudential supervisory regime applying to electronic money institutions against provisions that are more stringent than those applying to credit institutions, notably as regards the safeguarding of the funds of an electronic money holder.
To bi se moralo doseči tako, da se manj obremenjujoče značilnosti režima nadzora skrbnega in varnega poslovanja institucij za izdajo elektronskega denarja uravnovesijo z določbami, ki so strožje od tistih, ki se uporabljajo za kreditne institucije, predvsem glede zaščite sredstev imetnika elektronskega denarja.
Given the crucial importance of safeguarding, it is necessary that the competent authorities be informed in advance of any material change, such as a change in the safeguarding method, a change in the credit institution where safeguarded funds are deposited, or a change in the insurance undertaking or credit institution which insured or guaranteed the safeguarded funds.
Glede na izreden pomen zaščite je nujno, da se pristojne organe vnaprej obvešča o vseh materialnih spremembah, kot so sprememba metode zaščite, sprememba kreditne institucije, kjer so zaščitena sredstva položena, ali sprememba zavarovalnice ali kreditne institucije, ki je zavarovala zaščitena sredstva ali zanje jamčila.
The rules governing branches of electronic money institutions which have their head office outside the Community should be analogous in all Member States.
Pravila, ki urejajo podružnice institucij za izdajo elektronskega denarja s sedeži zunaj Skupnosti, bi morala biti podobna v vseh državah članicah.
It is important to provide that such rules not be more favourable than those for branches of electronic money institutions which have their head office in another Member State.
Pomembno je zagotoviti, da ti predpisi niso ugodnejši od tistih, ki veljajo za podružnice institucij za izdajo elektronskega denarja, ki imajo svoj sedež v drugih državah članicah.
The Community should be able to conclude agreements with third countries providing for the application of rules which accord branches of electronic money institutions which have their head office outside the Community the same treatment throughout the Community.
Skupnost bi morala imeti možnost sklepati sporazume s tretjimi državami, ki bi predvidevali uporabo predpisov, ki bodo podružnicam institucij za izdajo elektronskega denarja s sedeži zunaj Skupnosti zagotavljali enako obravnavanje v celotni Skupnosti.
The branches of electronic money institutions which have their head office outside the Community should benefit from neither the freedom of establishment under Article 43 of the Treaty in Member States other than those in which they are established nor the freedom to provide services under the second paragraph of Article 49 of the Treaty.
Za podružnice institucij za izdajo elektronskega denarja, ki imajo sedež zunaj Skupnosti, ne bi smela veljati svoboda ustanavljanja iz člena 43 Pogodbe glede ustanavljanja v drugih državah članicah, razen v tistih, v katerih so bile podružnice ustanovljene, niti svoboda opravljanja storitev v skladu z drugim odstavkom člena 49 Pogodbe.