natgillin/translations-raw huggingface dataset:
The ECB is required, in accordance with the Treaty on the Functioning of the European Union and under the conditions laid down in the Statute of the European System of Central Banks and of the European Central Bank (hereinafter the ‘Statute of the ESCB’), to make regulations to the extent necessary to implement the ESCB’s tasks as defined in the Statute of the ESCB and in some cases as laid down in the provisions adopted by the Council pursuant to Article 129(4) of the Treaty on the Functioning of the European Union.
ECB je zavezana, da v skladu s Pogodbo o delovanju Evropske unije in pod pogoji, določenimi v Statutu Evropskega sistema centralnih bank in Evropske centralne banke (v nadaljnjem besedilu: Statut ESCB), sprejema uredbe, kolikor so potrebne za izvajanje nalog ESCB, ki so opredeljene v Statutu ESCB in, v nekaterih primerih, v določbah, ki jih je sprejel Svet na podlagi člena 129(4) Pogodbe o delovanju Evropske unije.
It may be necessary, and reduce the reporting burden, for NCBs to collect from the actual reporting population the statistical information necessary to fulfil the statistical reporting requirements of the ECB as part of a broader statistical reporting framework which the NCBs establish under their own responsibility in accordance with Union or national law or established practice and which serves other statistical purposes, provided the fulfilment of the ECB’s statistical reporting requirements is not jeopardised.
Lahko je potrebno in omili breme poročanja, da NCB od dejanske poročevalske populacije zbirajo statistične informacije, ki so potrebne za izpolnitev zahtev ECB za statistično poročanje, v širšem okviru za statistično poročanje, ki ga NCB vzpostavijo znotraj lastnih odgovornosti v skladu z zakonodajo Unije, nacionalnim pravom ali ustaljeno prakso in ki služi drugim statističnim namenom, pod pogojem, da izpolnjevanje zahtev ECB za statistično poročanje ni ogroženo.
In order to foster transparency, it is appropriate, in these cases, to inform the reporting agents that data are collected to fulfil other statistical purposes.
V teh primerih je zaradi večje preglednosti primerno poročevalskim enotam sporočiti, da se podatki zbirajo za izpolnjevanje drugih statističnih namenov.
In specific cases, the ECB may rely on statistical information collected for such other purposes to fulfil its requirements.
V določenih primerih se ECB za izpolnitev svojih zahtev lahko zanese na statistične informacije, zbrane v te druge namene.
Since the adoption of Regulation (EC) No 63/2002 (ECB/2001/18), there have been improvements in the reporting scheme for interest rates on loans to households and non-financial corporations and in the methods for selecting the actual reporting population and these should therefore be taken into account in the sampling instructions and statistical reporting requirements.
Od sprejetja Uredbe (ES) št. 63/2002 (ECB/2001/18) je prišlo do izboljšav v sistemu poročanja obrestnih mer za posojila gospodinjstvom in nefinančnim družbam in v metodah za izbiro dejanske poročevalske populacije, ki jih je torej treba upoštevati pri navodilih glede vzorčenja in zahtevah za statistično poročanje.
It is also necessary to enable the ECB to provide analytical and statistical support to the European Systemic Risk Board in accordance with Council Regulation (EU) No 1096/2010 of 17 November 2010 conferring specific tasks upon the European Central Bank concerning the functioning of the European Systemic Risk Board [4].
Prav tako je potrebno, da se ECB omogoči zagotavljanje analitične in statistične podpore Evropskemu odboru za sistemska tveganja v skladu z Uredbo Sveta (EU) št. 1096/2010 z dne 17. novembra 2010 o dodelitvi posebnih nalog Evropski centralni banki v zvezi z delovanjem Evropskega odbora za sistemska tveganja [4].
Article 3 of Regulation (EC) No 2533/98 requires the ECB to specify the actual reporting population within the limits of the reference reporting population and to minimise the reporting burden involved.
Člen 3 Uredbe (ES) št. 2533/98 zahteva, da ECB določi dejansko poročevalsko populacijo v mejah referenčne poročevalske populacije in zmanjša s tem povezano breme poročanja na najmanjšo možno mero.
In view of the specific characteristics of the MFI sector in each of the euro area Member States, the final choice of the selection method as regards the actual reporting population is left to the NCBs.
Glede na specifične značilnosti sektorja MFI v posameznih državah članicah euroobmočja je končna izbira metode oblikovanja vzorca v zvezi z dejansko poročevalsko populacijo prepuščena NCB.
The aim is to reduce the reporting burden while at the same time ensuring high quality statistics.
Namen je zmanjšati breme poročanja in hkrati zagotoviti visoko kakovostno statistiko.
Article 5(1) provides that the ECB may adopt regulations for the definition and the imposition of its statistical reporting requirements on the actual reporting population of euro area Member States.
Člen 5(1) določa, da lahko ECB sprejme uredbe za opredelitev in naložitev svojih zahtev za statistično poročanje dejanski poročevalski populaciji držav članic euroobmočja.
Article 6(4) provides that the ECB may adopt regulations specifying the conditions under which the right to verify or to carry out the compulsory collection of statistical information may be exercised.
Člen 6(4) določa, da lahko ECB sprejme uredbe, ki določajo pogoje, po katerih se lahko uveljavi pravica do verifikacije ali izvedbe obveznega zbiranja statističnih informacij.
Article 4 of Regulation (EC) No 2533/98 provides for Member States to organise themselves in the field of statistics and to cooperate fully with the ESCB in order to ensure fulfilment of the obligations arising from Article 5 of the Statute of the ESCB.
Člen 4 Uredbe (ES) št. 2533/98 določa, da se države članice same organizirajo na področju statistike in polno sodelujejo z ESCB, da zagotovijo izpolnjevanje obveznosti, ki izhajajo iz člena 5 Statuta ESCB.
the terms ‘reporting agents’, and ‘resident’ have the same meaning as defined in Article 1 of Regulation (EC) No 2533/98;
„poročevalske enote“ in „rezident“ imata enak pomen, kakor je opredeljen v členu 1 Uredbe (ES) št. 2533/98;
‘households’ means, the household sector and the sector of non-profit institutions serving households (S.14 and S.15 combined) as set out in the revised European System of Accounts (hereinafter the ‘ESA 2010’) laid down by Regulation (EU) No 549/2013;
„gospodinjstva“ pomenijo sektor gospodinjstev in sektor nepridobitnih institucij, ki opravljajo storitve za gospodinjstva (S.14 in S.15 skupaj), kakor sta opredeljena v revidiranem Evropskem sistemu nacionalnih in regionalnih računov (v nadaljnjem besedilu: ESR 2010), določenem v Uredbi (EU) št. 549/2013;
‘non-financial corporations’ means the sector of non-financial corporations (S.11) as set out in ESA 2010;
„nefinančne družbe“ pomenijo sektor nefinančnih družb (S.11), kakor je opredeljen v ESR 2010;
‘monetary financial institution’ (MFI) has the same meaning as defined in Article 1 of Regulation (EU) No 1071/2013 of the European Central Bank of 24 September 2013 concerning the balance sheet of the monetary financial institutions sector (ECB/2013/33) [5];
„denarne finančne institucije“ (MFI) ima enak pomen, kakor je opredeljen v členu 1 Uredbe (EU) št. 1071/2013 Evropske centralne banke z dne 24. septembra 2013 o bilanci stanja sektorja denarnih finančnih institucij (ECB/2013/33) [5];
‘MFI interest rate statistics’ means statistics relating to those interest rates that are applied by resident MFIs except central banks and MMFs to euro-denominated deposits and loans vis-à-vis households and non-financial corporations resident in the euro area Member States.
„statistika obrestnih mer MFI“ pomeni statistiko, ki se nanaša na tiste obrestne mere, ki jih uporabljajo rezidenčne MFI, razen centralnih bank in SDT, za vloge in posojila, denominirane v eurih, v razmerju do gospodinjstev in nefinančnih družb, ki so rezidenti v državah članicah euroobmočja.
‘MFI interest rate statistics’ include corresponding new business volumes of euro-denominated deposits and loans, as well as new business volumes of renegotiated loans;
„Statistika obrestnih mer MFI“ vključuje pripadajoč obseg novih poslov iz naslova vlog in posojil, denominiranih v eurih, ter obseg novih poslov iz naslova na novo izpogajanih posojil;
‘money market funds’(MMF) has the same meaning as defined in Article 1 of Regulation (EU) No 1171/2013 of the European Central Bank (ECB/2013/33);
„skladi denarnega trga“ (SDT) ima enak pomen, kakor je opredeljen v členu 1 Uredbe (ES) št. 1071/2013 Evropske centralne banke (ECB/2008/32) [6];
‘reference reporting population’ means resident MFIs except central banks and MMFs which take euro-denominated deposits from and/or grant euro-denominated loans to households and/or non-financial corporations resident in the euro area Member States;
„referenčna poročevalska populacija“ pomeni rezidenčne MFI, razen centralnih bank in SDT, ki od gospodinjstev in/ali nefinančnih družb, ki so rezidenti v državah članicah euroobmočja, sprejemajo vloge, denominirane v eurih, in/ali jim odobravajo posojila, denominirana v eurih;
‘tail institution’ means a small MFI except a central bank or an MMFs that has been granted a derogation pursuant to Article 4.
„institucija „na repu“ “ pomeni manjšo MFI, razen centralne banke ali SDT, ki ji je bilo odobreno odstopanje po členu 4.
The actual reporting population shall consist of resident MFIs except central banks and MMFs drawn from the reference reporting population and selected by NCBs.
Dejansko poročevalsko populacijo sestavljajo rezidenčne MFI, razen centralnih bank in SDT, ki jih iz referenčne poročevalske populacije izberejo NCB.
NCBs shall select the actual reporting population either through a census or a sample.
NCB izberejo dejansko poročevalsko populacijo na podlagi popisa ali vzorca.
In the case of a sample, the NCBs shall stratify the reference reporting population into homogeneous strata and then either select the actual reporting population at random from each stratum or select the largest institutions within each stratum.
V primeru vzorca NCB stratificirajo referenčno poročevalsko populacijo v homogene stratume, nato pa bodisi slučajno izberejo dejansko poročevalsko populacijo iz vsakega stratuma bodisi izberejo največje institucije v vsakem stratumu.
In the case of random sampling selection, the minimum national sample size shall be such that the maximum random error at national level does not on average exceed 10 basis points at a confidence interval of 90 %.
V primeru izbire s pomočjo slučajnega vzorčenja mora biti najmanjši obseg nacionalnega vzorca tak, da največja slučajna napaka na nacionalni ravni v povprečju ne presega 10 bazičnih točk ob ravni zaupanja 90 %.
Where the largest institutions are selected, the minimum national sample size shall comply with a similar level of quality measure on the basis of a function of the estimated mean absolute value of the errors.
Kadar se izberejo največje institucije, mora najmanjši obseg nacionalnega vzorca ustrezati podobni stopnji mere kakovosti na podlagi funkcije ocenjene povprečne absolutne vrednosti napak.
NCBs shall also apply the formulas and criteria for the selection of the actual reporting population set out in Guideline ECB/2007/9 of 1 August 2007 on monetary, financial institutions and market statistics [6].
NCB za izbiro dejanske poročevalske populacije uporabijo tudi formule in merila, ki so določena v Smernici ECB/2007/9 z dne 1. avgusta 2007 o denarni statistiki, statistiki finančnih institucij in statistiki finančnih trgov [7].
Each NCB shall inform its resident reporting agents about their statistical reporting requirements following national procedures.
Vsaka NCB obvesti svoje rezidenčne poročevalske enote o svojih zahtevah za statistično poročanje v skladu z nacionalnimi postopki.
The Governing Council shall be entitled to check compliance with this Article.
Svet ECB je upravičen preveriti skladnost s tem členom.
For the purposes of the regular production of MFI interest rate statistics, the actual reporting population shall report monthly statistical information relating to new business and outstanding amounts to the NCB of the Member State in which the reporting agent is resident.
Za namen rednega pripravljanja statistike obrestnih mer MFI dejanska poročevalska populacija poroča NCB države članice, v kateri je poročevalska enota rezident, mesečne statistične informacije o novih poslih in stanju zadolženosti.
The NCBs shall ensure that these reporting arrangements provide the statistical information required and allow accurate checking of fulfilment of the minimum standards for transmission, accuracy, compliance with concepts and revisions as referred to in paragraph 3.
NCB zagotovijo, da te ureditve poročanja zagotavljajo zahtevane statistične informacije in omogočajo natančno preverjanje izpolnjevanja minimalnih standardov za prenos, točnost, vsebinsko skladnost in popravke iz odstavka 3.
The required statistical information shall be reported in accordance with the minimum standards for transmission, accuracy, compliance with concepts and revisions as set out in Annex II.
Zahtevane statistične informacije je treba poročati v skladu z minimalnimi standardi za prenos, točnost, vsebinsko skladnost in popravke, kot so določeni v Prilogi II.
The NCBs shall report the aggregated national monthly statistical information to the ECB by close of business on the 19th working day after the end of the reference month.
NCB poročajo ECB agregirane nacionalne mesečne statistične informacije do konca delovnega dne na 19. delovni dan po koncu referenčnega meseca.
The ECB may impose sanctions on reporting agents which fail to comply with the statistical reporting requirements set out in this Regulation in accordance with Decision ECB/2010/10 of 19 August 2010 on non-compliance with statistical reporting requirements [7].
Poročevalskim enotam, ki ne izpolnjujejo zahtev za statistično poročanje, določenih v tej uredbi, lahko ECB naloži sankcije v skladu s Sklepom ECB/2010/10 z dne 19. avgusta 2010 o neizpolnjevanju zahtev za statistično poročanje [8].
Where reporting agents are selected by a census, NCBs may grant derogations to small MFIs except central banks and MMFs in respect of reporting frequency, provided that the combined contribution of these reporting agents to the national MFI balance sheet in terms of outstanding amounts, as calculated in accordance with Regulation (EU) No 1071/2013 (ECB/2008/33), does not exceed 5 %.
Kadar se poročevalske enote izberejo na podlagi popisa, lahko NCB manjšim MFI, razen centralnih bank in SDT, odobrijo odstopanja glede frekvence poročanja, pod pogojem, da skupni prispevek teh poročevalskih enot v nacionalno bilanco stanja MFI v obliki stanja zadolženosti, izračunan v skladu z Uredbo (ES) št. 1071/2013 (ECB/2013/33), ne presega 5 %.
Instead of monthly reporting, tail institutions may report MFI interest rate statistics on a quarterly basis.
Namesto mesečnega poročanja lahko institucije „na repu“ poročajo statistiko obrestnih mer MFI četrtletno.
NCBs shall check the fulfilment of the conditions set out in paragraph 1 annually in a timely manner in order to grant or withdraw, if necessary, any derogation with effect from the start of each year.
NCB morajo enkrat letno pravočasno preveriti izpolnjevanje pogojev iz odstavka 1, da bi lahko odobrile ali po potrebi preklicale katero koli odstopanje z učinkom od začetka vsakokratnega leta.
Tail institutions may choose not to make use of the derogations and to fulfil the full statistical reporting requirements instead.
Institucije „na repu“ se lahko odločijo, da ne bodo izkoristile odstopanj in bodo namesto tega izpolnjevale zahteve za polno statistično poročanje.
For grossing up to 100 % coverage, NCBs may choose the procedure for carrying forward the reported data into the missing periods by applying appropriate statistical estimation techniques to take into account trends in the data or seasonal patterns.
NCB lahko za izračun ocene celotne vrednosti do 100 % zajetja izberejo postopek za prenos poročanih podatkov v manjkajoča obdobja, tako da uporabijo ustrezne tehnike statističnega ocenjevanja, da se upoštevajo trendi v podatkih ali sezonski vzorci.
NCBs shall monitor the number of tail institutions on an annual basis.
NCB letno spremljajo število institucij na „repu“.
Verification and compulsory collection
Preverjanje in obveznost zbiranja
The NCBs shall exercise the right to verify or to collect compulsorily information which reporting agents are required to provide pursuant to this Regulation, without prejudice to the ECB’s right to exercise this right itself.
NCB izvajajo pravico do preverjanja ali obveznega zbiranja informacij, ki jih morajo poročevalske enote zagotavljati v skladu s to uredbo, brez poseganja v pristojnost ECB, da sama izvaja to pravico.
In particular, the NCBs shall exercise this right when a reporting agent does not fulfil the minimum standards for transmission, accuracy, compliance with concepts and revisions specified in Annex II.
NCB to pravico izvajajo zlasti, kadar poročevalska enota ne izpolnjuje minimalnih standardov za prenos, točnost, vsebinsko skladnost in popravke, kot so določeni v Prilogi II.
Regulation (EU) No 63/2002 (ECB/2001/18) is repealed with effect from 1 January 2015.
Uredba (EU) št. 63/2002 (ESB/2001/18) se razveljavi z učinkom od 1. januarja 2015.
References to the repealed Regulation shall be construed as references to this Regulation and shall be read in accordance with the correlation table in Annex IV.
Sklicevanja na razveljavljeno uredbo se razlagajo kot sklicevanja na to uredbo in se berejo v skladu s korelacijsko tabelo iz Priloge IV.
Done at Frankfurt am Main, 24 September 2013.
V Frankfurtu na Majni, 24. septembra 2013.
OJ L 226, 28.8.2010, p. 48.
UL L 341, 27.12.2007, str. 1 [8] UL L 226, 28.8.2010, str. 48.
REPORTING SCHEME FOR MONETARY FINANCIAL INSTITUTION INTEREST RATE STATISTICS
SISTEM POROČANJA ZA STATISTIKO OBRESTNIH MER DENARNIH FINANČNIH INSTITUCIJ
Type of rate
Vrste obrestnih mer
I. Annualised agreed rate
I. Dogovorjena letna obrestna mera
The type of rate that reporting agents provide for all instrument categories of deposits and loans referring to new business and outstanding amounts is the annualised agreed rate (AAR).
Vrsta obrestne mere, ki jo poročevalske enote poročajo za vse kategorije instrumentov za vloge in posojila, ki se nanašajo na nove posle in stanja zadolženosti, je dogovorjena letna obrestna mera (annualised agreed rate – AAR).
It is defined as the interest rate that is individually agreed between the reporting agent and the household or non-financial corporation for a deposit or loan, converted to an annual basis and quoted in percentages per annum.
Opredeli se kot obrestna mera, ki se posamično dogovori med poročevalsko enoto in gospodinjstvom ali nefinančno družbo za vlogo ali posojilo, preračunana na letno osnovo in izražena v odstotkih na leto.
The AAR covers all interest payments on deposits and loans, but no other charges that may apply.
AAR zajema vsa plačila obresti za vloge in posojila, ne pa tudi drugih stroškov, ki se lahko zaračunajo.
Disagio, defined as the difference between the nominal amount of the loan and the amount received by the customer, is considered as an interest payment at the start of the contract (time t0) and is therefore reflected in the AAR.
Disažio, ki se opredeli kot razlika med nominalnim zneskom posojila in zneskom, ki ga prejme stranka, se šteje kot plačilo obresti ob začetku veljavnosti pogodbe (čas t0) in se zato odraža v AAR.
If interest payments agreed between the reporting agent and the household or non-financial corporation are capitalised at regular intervals within a year, for example per month or quarter rather than per annum, the agreed rate is annualised by means of the following formula to derive the annualised agreed rate:
Če se plačila obresti, dogovorjena med poročevalsko enoto in gospodinjstvom ali nefinančno družbo, kapitalizirajo v rednih časovnih presledkih med letom, na primer mesečno ali četrtletno namesto letno, se dogovorjena obrestna mera preračuna na letno osnovo po naslednji formuli, da se tako dobi dogovorjena letna obrestna mera:
as the interest rate per annum that is agreed between the reporting agents and the household or non-financial corporation for a deposit or loan where the dates of the interest capitalisation of the deposit and all the payments and repayments of the loan are at regular intervals within the year, and
kot letno obrestno mero, ki je dogovorjena med poročevalskimi enotami in gospodinjstvom ali nefinančno družbo za vlogo ali posojilo, kadar so datumi kapitalizacije obresti za vlogo in vsa plačila in vračila posojila v rednih časovnih presledkih med letom, in
n as the number of interest capitalisation periods for the deposit and (re)payment periods for the loan per year, i.e. 1 for yearly payments, 2 for semi-annual payments, 4 for quarterly payments and 12 for monthly payments.
n kot številom obdobij kapitalizacije obresti za vlogo in obdobij plačila oziroma vračila posojila na leto, tj. 1 za letna plačila, 2 za polletna plačila, 4 za četrtletna plačila in 12 za mesečna plačila.
National central banks (NCBs) may require their reporting agents to provide the narrowly defined effective rate (NDER) for all or some deposit and loan instruments referring to new business and outstanding amounts, instead of the AAR.
Nacionalne centralne banke (NCB) lahko od svojih poročevalskih enot zahtevajo, da namesto AAR za vse ali za nekatere depozitne in posojilne instrumente, ki se nanašajo na nove posle in stanja zadolženosti, poročajo natančno določeno efektivno obrestno mero (narrowly defined effective rate – NDER).
The NDER is defined as the interest rate, on an annual basis, that equalises the present value of all commitments other than charges (deposits or loans, payments or repayments, interest payments), future or existing, agreed by the reporting agents and the household or non-financial corporation.
NDER se opredeli kot obrestna mera na letni osnovi, ki izravnava sedanjo vrednost vseh obveznosti razen stroškov (vlog ali posojil, plačil ali vračil, plačil obresti), prihodnjih ali obstoječih, ki so dogovorjene med poročevalskimi enotami in gospodinjstvom ali nefinančno družbo.
The NDER is equivalent to the interest rate component of the annual percentage rate of charge (APRC) as defined in Article 3(i) of Directive 2008/48/EC of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers and repealing Council Directive 87/102/EEC [1].
NDER je enaka komponenti obrestnih mer v efektivni obrestni meri (annual percentage rate of charge – APRC), kot je opredeljena v členu 3(i) Direktive 2008/48/ES Evropskega parlamenta in Sveta z dne 23. aprila 2008 o potrošniških kreditnih pogodbah in razveljavitvi Direktive Sveta 87/102/EGS [1].
The NDER uses successive approximation and can therefore be applied to any type of deposit or loan, whereas the AAR uses the algebraic formula defined in paragraph 2 and is therefore only applicable to deposits and loans with regular capitalisation of interest payments.
Pri NDER se uporablja postopno približevanje in se zato lahko nanaša na katero koli vrsto vlog ali posojil, medtem ko se pri AAR uporablja algebraična formula iz odstavka 2 in se zato nanaša samo na vloge in posojila z redno kapitalizacijo plačila obresti.
Where the amount paid by one party and received by the other differs, the point of view of the reporting agent determines the interest rate reported for the purposes of MFI interest rate statistics.
Kadar se znesek, ki ga plača ena stranka, prejme pa druga, razlikuje, se obrestna mera, ki se poroča za namene statistike obrestnih mer MFI, določi na podlagi stališča poročevalske enote.
Furthermore, subsidies granted to households or non-financial corporations by third parties are not taken into account when determining the interest payment, because the subsidies are not paid or received by the reporting agent.
Poleg tega se subvencije, ki so jih gospodinjstvom ali nefinančnim družbam podelile tretje osebe, pri določanju plačila obresti ne upoštevajo, ker subvencij ne plača oziroma ne prejme poročevalska enota.