natgillin/translations-raw huggingface dataset:
Member States are encouraged to jointly implement the strategic research agenda via their national research programmes in accordance with the guidelines for framework conditions in joint programming developed by the Council high level group on joint programming.
Države članice se spodbuja, da skupaj izvajajo strateški raziskovalni program prek svojih nacionalnih raziskovalnih programov v skladu s smernicami za okvirne pogoje za skupno načrtovanje, ki jih je oblikovala skupina Sveta na visoki ravni za skupno načrtovanje.
Member States are encouraged to cooperate with the Commission with a view to exploring possible Commission initiatives to assist Member States in developing and implementing the strategic research agenda and to coordinate the joint programme with other Union initiatives in this field such as the Active and healthy ageing European innovation partnership and the Ambient assisted living joint programme.
Države članice se spodbuja k sodelovanju s Komisijo, da bi raziskale možne pobude Komisije za pomoč državam članicam pri razvoju in izvajanju strateškega raziskovalnega programa, ter skupne programe uskladile z drugimi pobudami Unije na tem področju, kot sta evropsko partnerstvo za inovacije za dejavno in zdravo staranje in skupni program za podporo iz okolja pri skupnem življenju.
Member States are encouraged to report regularly to the Commission on the progress made on this joint programming initiative through annual progress reports.
Države članice se spodbuja, naj z letnimi poročili o napredku Komisiji redno poročajo o napredku pri pobudi za skupno načrtovanje programov.
Europeans aged over 65 will almost double over the next 50 years — from 87 million in 2010 to 153 million in 2060 — Eurostat, Europop 2010 population projections.
Število Evropejcev, starejših od 65 let, se bo v naslednjih 50-ih letih skoraj podvojilo – s 87 milijonov leta 2010 na 153 milijonov leta 2060; Eurostat, projekcije prebivalstva Europop2010.
COM(2009) 180 final: Dealing with the impact of an ageing population in the EU (2009 Ageing Report)
COM(2009) 180 konč.: Obvladovanje vpliva staranja prebivalstva v EU (Poročilo o staranju prebivalstva 2009).
Council conclusions (EPSCO December 2010) 18132/10.
Sklepi Sveta (EPSCO, december 2010) 18132/10.
Co-decision report, press release — http://www.europarl.europa.eu/sides/getDoc.do?language=en&type=IM-PRESS&reference=20080121IPR19252
Poročilo o soodločanju, sporočilo za javnost http://www.europarl.europa.eu/sides/getDoc.do?language = en&type = IM-PRESS&reference = 20080121IPR19252
on access to a basic payment account
o dostopu do osnovnega plačilnega računa
Ensuring that consumers have access to payment services in the European Union (hereinafter referred to as ‘the Union’) is essential to enable them to fully benefit from the Single Market and for the Single Market to function properly.
Zagotovitev dostopa potrošnikom do plačilnih storitev v Evropski uniji (v nadaljnjem besedilu: Unija) je bistvenega pomena, da lahko potrošniki v celoti izkoristijo prednosti enotnega trga in da ta deluje pravilno.
At present, the availability of essential payment services is neither ensured by payment service providers nor guaranteed by all Member States in the Union.
Trenutno niti ponudniki plačilnih storitev niti vse države članice v Uniji ne zagotavljajo, da so osnovne plačilne storitve na voljo.
Existing restrictive eligibility criteria imposed by payment service providers to open payment accounts, beyond what is required by law, may prevent full access to the right of freedom of movement of persons within the Union.
Obstoječa omejevalna merila upravičenosti, ki so jih uvedli ponudniki plačilnih storitev za odprtje plačilnih računov in presegajo zakonska določila, lahko preprečujejo poln dostop do pravice do prostega pretoka oseb v Uniji.
Moreover, lack of access to payment accounts prevents consumers from accessing the mainstream financial services market and thereby weakens financial and social inclusion, often to the detriment of the most vulnerable part of the population.
Poleg tega pomanjkanje dostopa do plačilnih računov potrošnikom preprečuje dostop do uveljavljenega trga finančnih storitev ter s tem zmanjšuje finančno in socialno vključenost, pogosto v škodo najbolj ranljivemu delu prebivalstva.
It also makes it more difficult for consumers to access essential goods and services.
Potrošniki imajo tako tudi otežen dostop do osnovnega blaga in storitev.
It is therefore necessary to establish principles on access to basic payment accounts which is a key element for promoting social inclusion and cohesion, in order to allow consumers to benefit as a minimum from a common set of essential payment services.
Zato je treba določiti načela za dostop do osnovnih plačilnih računov, ki je ključnega pomena pri spodbujanju socialne vključenosti in kohezije, da se potrošnikom omogoči vsaj dostop do skupnega sklopa osnovnih plačilnih storitev.
It is important to ensure that principles on access to basic payment accounts are applied consistently throughout the Union.
Pomembno je zagotoviti usklajeno uporabo načel za dostop do osnovnih plačilnih računov v celotni Uniji.
However, in order to be more effective, those principles would need to be implemented taking into account the variety of banking habits within the Union.
Da pa bi bila ta načela učinkovitejša, bi bilo treba pri njihovem izvajanju upoštevati raznolikost bančnih navad v Uniji.
This Recommendation sets out general principles applicable to the provision of basic payment accounts within the Union.
V tem priporočilu so določena tudi splošna načela za zagotavljanje osnovnih plačilnih računov v Uniji.
This Recommendation should apply in conjunction with Directive 2007/64/EC of the European Parliament and of the Council of 13 November 2007 on payment services in the internal market [1].
To priporočilo se mora uporabljati v povezavi z Direktivo 2007/64/ES Evropskega parlamenta in Sveta z dne 13. novembra 2007 o plačilnih storitvah na notranjem trgu [1].
Accordingly, rules on the transparency of conditions and on information regarding payment services should apply to basic payment accounts.
Skladno s tem se morajo za osnovne plačilne račune uporabljati pravila o preglednosti pogojev in informacijah o plačilnih storitvah.
The provisions of this Recommendation should not prevent Member States or payment services providers from taking measures justified on legitimate grounds of public security and public order in conformity with Union law.
Določbe tega priporočila državam članicam ali ponudnikom plačilnih storitev ne smejo preprečiti sprejetja ukrepov, ki so utemeljeni z upravičenimi razlogi javne varnosti in javnega reda v skladu s pravom Unije.
In any Member State, consumers who are legally resident in the Union and who do not hold a payment account in that Member State should be in a position to open and use a basic payment account in that Member State.
V vsaki državi članici morajo imeti potrošniki, ki zakonito prebivajo v Uniji in ki nimajo plačilnega računa v zadevni državi članici, možnost odpreti in uporabljati osnovni plačilni račun v zadevni državi članici.
In order to ensure the widest possible access to basic payment accounts, Member States should ensure that consumers have access to such an account in spite of their financial circumstances, such as unemployment or personal bankruptcy.
Za zagotovitev čim širšega dostopa do osnovnih plačilnih računov morajo države članice zagotoviti, da imajo potrošniki dostop do takega računa ne glede na njihove finančne okoliščine, kot je brezposelnost ali osebni stečaj.
However, the right to access a basic payment account in any Member State should be granted in conformity with the requirements set out in Directive 2005/60/EC of the European Parliament and of the Council of 26 October 2005 on the prevention of the use of the financial system for the purpose of money laundering and terrorist financing [2], in particular with regard to customer due diligence procedures.
Vendar se mora pravica dostopa do osnovnega plačilnega računa v kateri koli državi članici odobriti v skladu z zahtevami iz Direktive Evropskega parlamenta in Sveta 2005/60/ES z dne 26. oktobra 2005 o preprečevanju uporabe finančnega sistema za pranje denarja in financiranje terorizma [2], zlasti kar zadeva dolžnost skrbnosti pri ugotavljanju identitete strank.
Furthermore this Recommendation should be without prejudice to the payment service provider’s obligation to terminate the basic payment account contract in exceptional circumstances under relevant Union or national legislation, such as legislation on money laundering and terrorist financing or on the prevention and investigation of crimes.
Poleg tega to priporočilo ne sme posegati v obveznost ponudnika plačilnih storitev, da odpove pogodbo o osnovnem plačilnem računu v izjemnih primerih v skladu z zadevno zakonodajo Unije ali nacionalno zakonodajo, kot je zakonodaja o pranju denarja in financiranju terorizma ali preprečevanju in preiskovanju kaznivih dejanj.
To ensure the availability of basic payment accounts in light of their specific national circumstances, Member States should be able to designate, based on the principles of transparency, non-discrimination and proportionality, one, several or all payment service providers.
Za zagotovitev razpoložljivosti osnovnih plačilnih računov ob upoštevanju svojih posebnih nacionalnih okoliščin morajo države članice imeti možnost, da na podlagi načel preglednosti, nediskriminacije in sorazmernosti imenujejo enega, več ali vse ponudnike plačilnih storitev.
The measures to be adopted by Member States in this respect should not create distortions of competition between payment service providers and should be based on the principles of transparency, non-discrimination and proportionality.
Ukrepi, ki jih bodo države članice sprejele v zvezi s tem, ne smejo izkrivljati konkurence med ponudniki plačilnih storitev, temeljiti pa morajo na načelih preglednosti, nediskriminacije in sorazmernosti.
In this context, Member States should make public the rights enjoyed by and the obligations placed on the providers that are responsible for providing basic payment accounts.
V zvezi s tem morajo države članice objaviti pravice in obveznosti ponudnikov, ki so odgovorni za zagotavljanje osnovnega plačilnega računa.
In order to ensure transparency and fairness of treatment and in order to allow the consumer to question the payment service provider’s decision, the payment service provider should inform the consumer of the grounds and justification for his refusal of access to a basic payment account.
Da se zagotovita preglednost in poštenost obravnave, potrošniku pa da možnost, da podvomi v odločitev ponudnika plačilnih storitev, mora ponudnik plačilnih storitev potrošnika obvestiti o razlogih in utemeljitvi, zakaj je bil zavrnjen dostop do osnovnega plačilnega računa.
Access to a core range of essential payment services should be guaranteed in any Member State.
Dostop do glavnih osnovnih plačilnih storitev mora biti zagotovljeni v vsaki državi članici.
Services inseparably linked to basic payment accounts should include the facility to deposit and withdraw cash into and from the account.
Storitve, ki so neločljivo povezane z osnovnimi plačilnimi računi, morajo vključevati možnost pologa gotovine na račun in njenega dviga z računa.
They should enable the consumer to make essential payment transactions such as receiving income or benefits, paying bills or taxes and purchasing goods and services, including via direct debit, credit transfer and the use of a payment card.
Potrošniku morajo omogočiti izvrševanje osnovnih plačilnih transakcij, kot so prejemanje dohodka ali nadomestil, plačevanje računov ali davkov ter nakup blaga in storitev, med drugim z direktno bremenitvijo, kreditnimi prenosi in uporabo plačilne kartice.
In order to ensure the fullest financial inclusion possible, such services should allow the purchase of goods and services online where technically possible.
Da se zagotovi čim večja finančna vključenost, morajo takšne storitve omogočati spletni nakup blaga in storitev, kadar je to tehnično možno.
They should also give the opportunity to the consumer to initiate payment orders via the payment service provider’s online banking facilities where technically possible.
Prav tako morajo potrošniki imeti možnost izvrševanja plačilnih nalogov prek spletnega bančništva ponudnika plačilne storitve, kadar je to tehnično možno.
However a basic payment account should not allow the execution of payment orders where such payment orders would result in a negative balance on the account.
Vendar mora biti pri osnovnem plačilnem računu onemogočeno izvrševanje plačilnih nalogov, kadar bi ti povzročili negativno stanje na računu.
Access to credit should not be considered as an automatic component of or a right attached to a basic payment account.
Dostop do kredita ne sme veljati za samodejni element osnovnega plačilnega računa ali pravico, povezano s tem računom.
Where the payment service provider charges the consumer for the opening, operating and closing of the account and for using the services that are inseparably associated to it as defined in this Recommendation, the total amount charged should be reasonable for the consumer and should be such that the consumer, in the light of specific national circumstances, is not prevented from opening the basic payment account and using its associated services.
Kadar ponudnik plačilnih storitev potrošniku zaračuna odprtje, vodenje in zaprtje računa ter uporabo storitev, ki so z njim neločljivo povezane, kot je določeno v tem priporočilu, mora biti skupni zaračunani znesek za potrošnika razumen in takšen, da mu ob upoštevanju posebnih nacionalnih okoliščin ne prepreči odprtja osnovnega plačilnega računa in uporabe z njim povezanih storitev.
All additional charges to the consumer in the event of non-compliance with any of the terms laid down in the contract should also be reasonable.
Tudi vsi dodatni stroški, ki jih ima potrošnik v primeru neizpolnjevanja katerega koli pogoja iz pogodbe, morajo biti razumni.
In order to ensure consistency and efficiency in the implementation of the principle of a reasonable charge, Member States should establish what constitutes a reasonable charge on the basis of the indicative criteria laid down in this Recommendation, which may be considered together.
Za zagotovitev usklajenega in učinkovitega izvajanja načela razumnih stroškov morajo države članice na podlagi okvirnih meril iz tega priporočila, ki se lahko upoštevajo skupaj, določiti, kaj so razumni stroški.
Measures to enhance consumers’ awareness of the availability of basic payment accounts are also necessary in order to promote financial inclusion.
Potrebni so tudi ukrepi za povečanje ozaveščenosti potrošnikov o razpoložljivosti osnovnih plačilnih računov, da se spodbuja finančna vključenost.
General, clear and comprehensible information should therefore be provided to consumers by Member States as well as by payment service providers on the main features and conditions of the use of such accounts as well as on the practical steps that the consumer should follow in exercising the right to open a basic payment account.
Države članice in ponudniki plačilnih storitev morajo zato potrošnikom posredovati splošne, jasne in razumljive informacije o glavnih značilnostih in pogojih uporabe takšnih računov ter tudi praktičnih korakih, ki jih mora potrošnik upoštevati pri uveljavljanju pravice do odprtja osnovnega plačilnega računa.
The consumer should also be informed that the purchase of additional services is not compulsory to access a basic payment account.
Potrošnik mora biti obveščen tudi o tem, da nakup dodatnih storitev ni obvezen za dostop do osnovnega plačilnega računa.
Compliance with the provisions laid down in this Recommendation requires the processing of consumers’ personal data.
Za izpolnitev določb iz tega priporočila je potrebna obdelava osebnih podatkov potrošnikov.
Such processing is governed by Directive 95/46/EC of the European Parliament and of the Council of 24 October 1995 on the protection of individuals with regard to the processing of personal data and on the free movement of such data [3], notably its Articles 6, 7, 10, 11, 12 and 17 so as to ensure the fair and lawful processing and the respect of the fundamental right to protection of personal data, in particular with regard to the general requirements of necessity and proportionality, the data subject’s right of access to his own data, the rectification and erasure or blocking of inaccurate data, and its Article 28 regarding the monitoring of compliance with Directive 95/46/EC by independent public data protection authorities.
Takšno obdelavo ureja Direktiva Evropskega parlamenta in Sveta 95/46/ES z dne 24. oktobra 1995 o varstvu posameznikov pri obdelavi osebnih podatkov in o prostem pretoku takih podatkov [3], zlasti členi 6, 7, 10, 11, 12 in 17 Direktive, da se zagotovi poštena in zakonita obdelava ter spoštovanje temeljne pravice do varstva osebnih podatkov, zlasti ob upoštevanju splošnih zahtev glede nujnosti in sorazmernosti ter pravice posameznika, na katerega se nanašajo osebni podatki, do dostopa do podatkov, ki se nanašajo nanj, do popravka in izbrisa ali blokiranja netočnih podatkov, ter člen 28 Direktive glede spremljanja spoštovanja Direktive 95/46/ES s strani javnih organov za varstvo osebnih podatkov.
Consumers should have access to effective out-of-court complaint and redress procedures for the settlement of disputes arising from the principles set out in this Recommendation.
Potrošnikom morajo biti na voljo učinkoviti pritožbeni postopki in druga pravna sredstva za izvensodno reševanje sporov, ki izhajajo iz načel tega priporočila.
Existing bodies and schemes, for instance those existing for the settlement of disputes concerning rights and obligations arising under Directive 2007/64/EC, may be used.
Uporabijo se lahko obstoječi organi in sheme, na primer tisti, ki so določeni za reševanje sporov v zvezi s pravicami in obveznostmi, ki izhajajo iz Direktive 2007/64/ES.
Competent authorities should be empowered to fulfil their monitoring duties efficiently.
Pristojni organi morajo biti pooblaščeni za učinkovito izpolnjevanje svojih nalog v zvezi s spremljanjem.
Member States should have reliable annual statistics at least on the number of basic payment accounts opened, the number of refusals and terminations of basic payment accounts and the charges associated to basic payment accounts.
Države članice morajo razpolagati z zanesljivimi letnimi statistikami vsaj o številu odprtih osnovnih plačilnih računov, številu zavrnitev odprtij teh računov in odpovedi odprtih računov ter stroških, povezanih s temi računi.
To this end, Member States are invited to use any relevant sources of information.
V ta namen so države članice pozvane, da uporabijo vse ustrezne vire informacij.
They should communicate this information to the Commission on an annual basis and for the first time by 1 July 2012 at the latest.
Te informacije morajo Komisiji sporočiti vsako leto, prvič pa najpozneje do 1. julija 2012.
Member States should be invited to take the necessary measures to ensure the application of this Recommendation at the latest 6 months after its publication.
Države članice je treba pozvati, da najpozneje do šest mesecev po objavi tega priporočila sprejmejo ukrepe, ki so potrebni za zagotovitev njegove uporabe.
Based on the reporting provided by Member States, the Commission will monitor and assess the measures taken by 1 July 2012.
Komisija bo na podlagi poročil držav članic spremljala in ocenila ukrepe, sprejete do 1. julija 2012.
On the basis of this monitoring, the Commission will propose any necessary action, including legislative measures if needed, in order to ensure that the objectives of this Recommendation are fully met,
Na podlagi tega spremljanja bo Komisija predlagala morebitne ukrepe, po potrebi tudi zakonodajne, ki so potrebni za popolno izpolnitev ciljev tega priporočila –
For the purposes of this Recommendation, the following definitions apply:
V tem priporočilu se uporabljajo naslednje opredelitve pojmov:
‘Consumer’ means any natural person who is acting for purposes other than his trade, business, craft or profession;
„potrošnik“ pomeni katero koli fizično osebo, ki deluje za namene, ki niso trgovski, poslovni, obrtni ali poklicni;
‘Payment service provider’ means the payment service provider(s) as defined in Article 4(9) of Directive 2007/64/EC, which is in charge of offering basic payment accounts pursuant to paragraph 3;
„ponudnik plačilnih storitev“ pomeni ponudnika plačilnih storitev, kot je opredeljen v členu 4(9) Direktive 2007/64/ES, ki je odgovoren za ponudbo osnovnih plačilnih računov v skladu z odstavkom 3;
‘Payment account’ means an account held in the name of one consumer which is used for the execution of payment transactions;
„plačilni račun“ pomeni račun, voden v imenu enega potrošnika, ki se uporablja za izvrševanje plačilnih transakcij;
‘Payment transaction’ means a payment transaction as defined in Article 4(5) of Directive 2007/64/EC;
„plačilna transakcija“ pomeni plačilno transakcijo, kot je opredeljena v členu 4(5) Direktive 2007/64/ES;
‘Funds’ means funds as defined in Article 4(15) of Directive 2007/64/EC;
„sredstva“ pomenijo sredstva, kot so opredeljena v členu 4(15) Direktive 2007/64/ES;
‘Contract’ means a framework contract as defined in Article 4(12) of Directive 2007/64/EC.
„pogodba“ pomeni okvirno pogodbo, kot je opredeljena v členu 4(12) Direktive 2007/64/ES.
Member States should ensure that any consumer legally resident in the Union has the right to open and use a basic payment account with a payment service provider operating in their territory provided that the consumer does not already hold a payment account allowing him to make use of the payment services listed in paragraph 6 in their territory.
Države članice morajo zagotoviti, da ima vsak potrošnik, ki zakonito prebiva v Uniji, pravico do odprtja in uporabe osnovnega plačilnega računa pri ponudniku plačilnih storitev, ki deluje na njihovem ozemlju, če še nima plačilnega računa, ki mu omogoča uporabo plačilnih storitev iz odstavka 6 na njihovem ozemlju.
Such a right should apply irrespective of the consumer’s financial circumstances.
Takšna pravica mora veljati ne glede na finančne okoliščine potrošnika.
Member States should ensure that at least one payment service provider is in charge of offering basic payment accounts in their jurisdiction.
Države članice morajo zagotoviti, da je na njihovem ozemlju vsaj en ponudnik plačilnih storitev, ki je odgovoren za ponudbo osnovnih plačilnih računov.
For this purpose, they should take into consideration the geographical location or market share of payment service providers in their jurisdictions.
Zato morajo upoštevati geografski položaj ali tržni delež ponudnikov plačilnih storitev na svojem ozemlju.
Member States should ensure that this does not create distortions of competition between payment service providers.
Države članice morajo zagotoviti, da to ne povzroči izkrivljanja konkurence med ponudniki plačilnih storitev.
Member States should take measures to guarantee that payment services providers use transparent, fair and reliable systems when verifying whether the consumer already holds or does not hold a payment account.
Države članice morajo sprejeti ukrepe za zagotovitev, da ponudniki plačilnih storitev pri preverjanju, ali potrošnik že ima plačilni račun, uporabljajo pregledne, poštene in zanesljive sisteme.
Member States should ensure that where an application for access to a basic payment account is refused, the payment service provider immediately informs the consumer of the grounds and the justification for such a refusal, in writing and free of charge.
Države članice morajo zagotoviti, da ponudnik plačilnih storitev v primeru zavrnitve vloge za dostop do osnovnega plačilnega računa potrošnika nemudoma pisno in brezplačno obvesti o razlogih in utemeljitvi takšne zavrnitve.