natgillin/translations-raw huggingface dataset:
The actual risk sharing rate, programme public contribution and interest rate on loans shall be based on the ex-ante assessment findings and shall be such as to ensure that the benefit to the final recipients complies with the de minimis rule.
Obseg posojila s porazdelitvijo tveganja v ciljnem portfelju se potrdi s predhodno oceno, ki utemeljuje podporo finančnemu instrumentu (člen 37 Uredbe (EU) št. 1303/2013), in upošteva pristop obnavljanja instrumenta (če je primerno).
The size of the target portfolio Risk Sharing loan shall be confirmed within the ex-ante assessment justifying the support to the financial instrument (Article 37 of Regulation (EU) No 1303/2013) and take into account the revolving approach of the instrument (if applicable).
Sestava ciljnega portfelja posojil se opredeli tako, da se zagotovi razpršenost tveganja.
The composition of the targeted portfolio of loans shall be defined in a way to ensure diversification of risk.
Sredstva v okviru posojila s porazdelitvijo tveganja in stopnja porazdelitve tveganja morajo biti določeni tako, da zapolnijo vrzel, ocenjeno v okviru predhodne ocene, vendar morajo biti v skladu s temi pogoji izvajanja.
The RS loan allocation and the risk-sharing rate must be set in order to fill the gap evaluated within the ex-ante assessment, but in any case must comply with the conditions laid down in this term sheet.
S stopnjo porazdelitve tveganja, ki je bila dogovorjena s finančnim posrednikom, se za vsako upravičeno posojilo, vključeno v portfelj, opredeli delež glavnice upravičenega posojila, ki ga financira program.
The risk sharing rate agreed with the financial intermediary shall define for each eligible loan included in the portfolio, the portion of the eligible loan principal amount financed by the programme.
S stopnjo porazdelitve tveganja, ki je bila dogovorjena s finančnim posrednikom, se določi izpostavljenost izgub, ki jih bosta krila finančni posrednik in prispevek iz programa.
The risk-sharing rate agreed with the financial intermediary determines the exposure of the losses which are to be covered by the financial intermediary and by the programme contribution accordingly.
Prispevek iz programa k finančnemu instrumentu (dejavnosti)
Programme contribution to financial instrument (activities)
Portfelj, ki ga financira instrument posojila s porazdelitvijo tveganja, vključuje le na novo odobrena posojila za MSP, ne pa tudi refinanciranja obstoječih posojil.
The portfolio funded by the RS loan instrument shall include only newly originated loans provided to SMEs, to the exclusion of the refinancing of existing loans.
Merila za upravičenost za vključitev v portfelj se določijo v skladu s pravom Unije (npr. Uredbo (EU) št. 1303/2013 in pravili za posamezne sklade), programom, nacionalnimi pravili za upravičenost in skupaj s finančnim posrednikom, da se dosežeta veliko število končnih prejemnikov in ustrezna razpršenost portfelja.
The eligibility criteria for inclusion in the portfolio are determined pursuant to Union law (e.g. Regulation (EU) No 1303/2013 and Fund-specific rules), programme, national eligibility rules, and with the financial intermediary with the aim of reaching a large number of final recipients and achieving sufficient portfolio diversification.
Finančni posrednik pripravi razumno oceno profila tveganja portfelja.
The financial intermediary shall have a reasonable estimation of the portfolio risk profile.
Navedena merila odražajo tržne pogoje in prakse v zadevni državi članici ali regiji.
These criteria shall reflect market conditions and practices in the relevant Member State or region.
Obveznost organa upravljanja
Managing Authority's liability
Obveznost organa upravljanja v zvezi s finančnim instrumentom ustreza obveznosti iz člena 6 Delegirane uredbe (EU) št. 480/2014.
The managing authority's liability in relation to the financial instrument shall be as set out in Article 6 of Delegated Regulation (EU) No 480/2014.
Krite izgube so zapadli, plačljivi in neporavnani zneski glavnice ter standardne obresti (brez zamudnih obresti ter morebitnih drugih stroškov in izdatkov).
The losses covered are principal amounts due, payable and outstanding and standard interest (but excluding late payment fees and any other costs and expenses).
Trajanje
Duration
Kreditno obdobje finančnega instrumenta se določi na način, s katerim se zagotovi, da se prispevek iz programa iz člena 42 Uredbe (EU) št. 1303/2013 uporabi za posojila, ki se končnim prejemnikom izplačajo najpozneje do 31. decembra 2023.
The lending period of the financial instrument shall be set in order to ensure that the programme contribution as referred in Article 42 of Regulation (EU) No 1303/2013 is used for loans disbursed to final recipients no later than the 31 December 2023.
Priporočeno obdobje oblikovanja portfelja posojil je največ 4 leta od podpisa sporazuma o financiranju (med organom upravljanja ali skladom skladov in finančnim posrednikom).
The typical duration to create the portfolio of loans is recommended to be up to 4 years from the date of signature of the funding agreement (between the managing authority or fund of funds and the financial intermediary).
Posojila in porazdelitev tveganja na ravni finančnega posrednika (uskladitev interesov)
Lending and risk-sharing at financial intermediary level (alignment of interest)
Uskladitev interesov organa upravljanja in finančnega posrednika se doseže s:
Alignment of interest between the managing authority and the financial intermediary shall be achieved through:
provizijami za upravljanje na podlagi uspešnosti v skladu s členoma 12 in 13 Delegirane uredbe (EU) št. 480/2014,
Performance fees as provided by Articles 12 and 13 of the Delegated Regulation (EU) No 480/2014.
poleg prispevka iz programa finančni posrednik po lokalnih tržnih pogojih k financiranju prispeva vsaj 25 % skupne finančne obveznosti za kreditiranje MSP v okviru instrumenta posojil s porazdelitvijo tveganja,
In addition to the programme contribution, the financial intermediary shall contribute under local market conditions to the financing of at least 25 % of the total financing commitment for lending to SMEs within the RS loan instrument.
izgube in izterjave na finančnega posrednika in organ upravljanja vplivajo sorazmerno z njuno obveznostjo v skladu s stopnjo porazdelitve tveganja.
The losses and recoveries shall impact pro-rata the financial intermediary and the managing authority within their respective liability according to the risk-sharing rate.
Pričakovana stopnja porazdelitve tveganja se določi na podlagi ugotovitev iz predhodne ocene, ki utemeljuje podporo finančnemu instrumentu.
The expected risk-sharing rate shall be determined based on the ex-ante assessment findings justifying the support to the financial instrument.
Upravičeni finančni posredniki
Eligible Financial Intermediaries
Javni in zasebni subjekti s sedežem v državi članici, zakonsko pooblaščeni za zagotavljanje posojil podjetjem, ki poslujejo na ozemlju izvajanja programa, ki prispeva k finančnemu instrumentu.
Public and private bodies established in a Member State which shall be legally authorised to provide loans to enterprises operating in the jurisdiction of the programme which contributes to the financial instrument.
Zadevni subjekti so finančne institucije in, če je primerno, mikrofinančne institucije ali katere druge institucije, pooblaščene za zagotavljanje posojil.
Such bodies are financial institutions, and, as appropriate, microfinance institutions or any other institution authorised to provide loans.
Upravičenost končnih prejemnikov
Final recipients eligibility
Končni prejemniki so upravičeni na podlagi zakonodaje EU in nacionalne zakonodaje, ustreznega programa in sporazuma o financiranju.
The final recipients shall be eligible under EU and national law, the relevant programme and funding agreement.
Na datum podpisa posojilne pogodbe so izpolnjena naslednja merila za upravičenost:
The following eligibility criteria shall be met at the date of the signature of the loan:
končni prejemnik je mikro, malo ali srednje podjetje (v nadaljnjem besedilu: MSP (vključno s samostojnimi podjetniki/samozaposlenimi)) v smislu Priporočila Komisije 2003/361/ES [2] [3];
shall be a micro, small and medium enterprise (SMEs (including individual entrepreneurs/self-employed persons) as defined in Commission Recommendation 2003/361/EC [2] [3].
končni prejemnik ni MSP, dejavno v sektorjih iz točk (d) do (f) člena 1 uredbe de minimis;
shall not be a SME active in the sectors defined in point (d) – (f) of Article 1 of the de minimis Regulation.
končni prejemnik ne pripada kateremu od omejenih sektorjev [4];
shall not be part of on one or more restricted sectors [4].
končni prejemnik ni podjetje v težavah, kakor je opredeljeno v pravilih o državni pomoči;
shall not be a firm in difficulty as defined by State aid rules.
iz preverjanj, ki jih izvede finančni posrednik v skladu z internimi smernicami in običajno kreditno politiko, izhaja, da končni prejemnik pravočasno izpolnjuje svoje finančne obveznosti v zvezi s posojili ali zakupi, ki jih je odobril finančni posrednik ali katera druga finančna institucija.
shall not be delinquent or in default in respect of any other loan or lease either granted by the financial intermediary or by another financial institution pursuant to checks made in accordance with the financial intermediary internal guidelines and standard credit policy.
Končni prejemniki imajo v času naložbe in med vračanjem posojila registrirani sedež v državi članici, gospodarska dejavnost, za katero je bilo posojilo izplačano, pa se izvaja v zadevni državi članici in regiji/na ozemlju izvajanja programa sklada ESI.
In addition, at the time of the investment and during the reimbursement of the loan, final recipients shall have a registered place of business in a Member State and the economic activity for which the loan was disbursed shall be located in the relevant Member State and Region/Jurisdiction of the ESIF programme.
Značilnosti produkta za končne prejemnike
Characteristics of the product for the final recipients
Finančni posrednik končnim prejemnikom zagotovi posojila, ki prispevajo k ciljem programa in jih program sofinancira v okviru instrumenta posojila s porazdelitvijo tveganja.
The financial intermediary shall deliver to final recipients the loans that contribute to the objective of the programme and that are co-financed by the programme under the RS loan instrument.
Pogoji posojil se določijo na podlagi predhodne ocene iz člena 37 Uredbe (EU) št. 1303/2013.
Their terms shall be grounded on the ex-ante assessment referred to in Article 37 of Regulation (EU) No 1303/2013.
Posojila se uporabijo izključno v naslednje odobrene namene:
The loans shall be used exclusively for the following permitted purposes:
naložbe v opredmetena in neopredmetena sredstva, vključno s prenosom lastninskih pravic v podjetjih, če se takšen prenos izvede med neodvisnimi vlagatelji;
investments in tangible and intangible assets, including transfer of proprietary rights in enterprises provided that such transfer takes place between independent investors.
obratni kapital, povezan z razvojem ali razširitvijo dejavnosti, ki so pomožne dejavnostim iz točke (a) (in z njimi povezane) (njihova pomožna narava je med drugim razvidna iz poslovnega načrta MSP in zneska financiranja).
working capital related to development or expansion activities that are ancillary (and linked) to activities referred to in (a) above (which ancillary nature shall be evidenced, inter alia, by the business plan of the SME and the amount of the financing).
Posojila, vključena v portfelj, vedno izpolnjujejo naslednja merila za upravičenost:
The following eligibility criteria shall be met at all times by the loans included in the portfolio:
posojila so na novo odobrena in ne vključujejo refinanciranja obstoječih posojil;
Loans shall be newly originated, to the exclusion of the refinancing of existing loans.
znesek glavnice posojila, vključenega v portfelj posojil s porazdelitvijo tveganja, (i) znaša največ 1000000 EUR na podlagi predhodne ocene in (ii) se zagotovi pod takimi pogoji, da bruto ekvivalent nepovratnih sredstev pri posameznem končnem prejemniku ne preseže 200000 EUR (ali 100000 EUR v sektorju cestnega tovornega prometa in 30000 EUR v sektorju ribištva in ribogojstva) v katerem koli obdobju treh poslovnih let;
The principal amount of a loan included in the RS loan portfolio (i) shall be up to EUR 1000000 based on the ex-ante assessment and (ii) shall be provided under such conditions that would not cause the GGE with respect to each final recipient to exceed EUR 200000 (or EUR 100000 in the road freight transport and EUR 30000 in the fishery and aquaculture sectors) over any period of three fiscal years;
upravičena MSP bi potencialno lahko večkrat zaprosila za posojilo v okviru tega finančnega instrumenta, pod pogojem, da je navedena zgornja meja bruto ekvivalenta nepovratnih sredstev v celoti upoštevana;
eligible SMEs could potentially apply more than once for loans allocated in the context of this financial instrument provided that the above-mentioned GGE limit is fully respected.
posojila zagotavljajo financiranje za enega ali več odobrenih namenov v EUR in/ali nacionalni valuti na zadevnem ozemlju in, po potrebi, v kateri drugi valuti;
Loans shall provide financing for one or more of the permitted purposes in EUR and/or national currency in the relevant jurisdiction and, as the case may be, in any other currency.
posojila niso v obliki mezaninskih (dolžniško-lastniških) posojil, podrejenih dolgov ali navideznega lastniškega kapitala;
Loans shall not be in the form of mezzanine loans, subordinated debt or quasi equity.
posojila niso v obliki obnavljajočih se kreditnih linij;
Loans shall not be in the form of revolving credit lines.
posojila se odplačujejo v skladu z načrtom odplačevanja, vključno z rednimi amortizacijskimi odplačili in/ali odplačili v enkratnem znesku;
Loans shall have a repayment schedule, including regular amortising and/or bullet payments.
posojila ne financirajo izključno finančnih dejavnosti ali gradnje nepremičnin, če se izvaja kot dejavnost finančnega vlaganja, in ne financirajo zagotavljanja potrošniškega financiranja;
Loans shall not finance pure financial activities or real estate development when undertaken as a financial investment activity and shall not finance the provision of consumer finance.
zapadlost posojil je najmanj 12 mesecev, vključno z ustreznim obdobjem odloga (če je potrebno), in največ 120 mesecev.
Loans shall have a minimum maturity of 12 months including the relevant grace period (if any) and a maximum maturity of up to 120 months.
Poročanje in ciljni rezultati
Reporting and targeted results
Finančni posredniki organu upravljanja ali skladu skladov vsaj vsako četrtletje predložijo informacije v standardizirani obliki in obsegu.
Financial intermediaries shall provide the managing authority or fund of funds with at least quarterly information in a standardised form and scope.
Poročilo vključuje vse ustrezne elemente, na podlagi katerih finančni posrednik izpolni pogoje člena 46 Uredbe (EU) št. 1303/2013.
The report shall include all the relevant elements for the managing authority to fulfil the conditions of Article 46 of Regulation (EU) No 1303/2013.
Države članice prav tako izpolnijo svoje obveznosti poročanja v skladu z uredbo de minimis.
Member States shall also fulfil their reporting obligations pursuant to the de minimis Regulation.
Kazalniki morajo biti usklajeni s posebnimi cilji ustrezne prednostne naloge programa sklada ESI, ki financira finančni instrument, in s pričakovanimi rezultati predhodne ocene.
Indicators must be aligned with the specific objectives of the relevant priority of the ESIF programme financing the financial instrument and on the expected results of the ex-ante assessment.
Pri instrumentu posojila s porazdelitvijo tveganja se merjenje kazalnikov in poročanje o njih izvaja vsaj vsako četrtletje, usklajeni pa morajo biti vsaj z regulativnimi zahtevami.
They shall be measured and reported at least quarterly for the RS loan instrument and aligned as a minimum with the regulation requirements.
Ostali kazalniki, poleg skupnih kazalnikov prednostne osi programa sklada ESI (povečanje zaposlovanja, število MSP …), so:
In addition to the common indicators of the priority axis of the ESIF programme (employment increase, number of SMEs, …) other indicators are:
število financiranih posojil/projektov,
Numbers of loans/projects financed
zneski financiranih posojil,
Amounts of loans financed
neizpolnjene obveznosti (število in zneski),
Defaults (numbers and amounts)
poplačani viri in dobički,
Resources repaid and gains
Vrednotenje ekonomske koristi prispevka iz programa
Evaluation of the economic benefit of the programme contribution
Finančni posrednik zniža splošno efektivno obrestno mero (kjer je primerno, tudi politiko zavarovanj s premoženjem), ki se končnim prejemnikom zaračuna v okviru posameznega, v portfelj vključenega upravičenega posojila, tako da v zvezi s posojilom s porazdelitvijo tveganja odraža ugodne pogoje za financiranje in tudi porazdelitev tveganja.
The financial intermediary shall reduce the overall effective interest rate (and collateral policy where appropriate) charged to the final recipients under each eligible loan included in the portfolio reflecting the favourable funding and risk sharing conditions of the RS loan.
Celotna finančna ugodnost javnega prispevka iz programa v finančni instrument se prenese na končne prejemnike v obliki znižanja obrestne mere.
The entire financial advantage of the programme public contribution to the instrument shall be transferred to the final recipients in the form of an interest rate reduction.
Finančni posrednik spremlja bruto ekvivalent nepovratnih sredstev za končne prejemnike in o njem poroča v skladu z oddelkom o državni pomoči.
The financial intermediary shall monitor and report on the GGE for final recipients as referred in the State aid section.
To načelo je upoštevano v sporazumu o financiranju med organom upravljanja ali skladom skladov in finančnim posrednikom.
This principle shall be reflected in the funding agreement between the managing authority or fund of funds and the financial intermediary.
Priporočilo Komisije 2003/361/ES z dne 6. maja 2003 o opredelitvi mikro, malih in srednje velikih podjetij (UL L 124, 20.5.2003, str. 36).
Commission Recommendation 2003/361/EC of 6 May 2003 concerning the definition of micro, small and medium-sized enterprises (notified under document number C(2003) 1422) (OJ L 124, 20.5.2003, p. 36).
Podjetja z manj kot 250 zaposlenimi in prometom, nižjim od 50 milijonov EUR, ali skupnimi sredstvi, ki znašajo manj kot 43 milijonov EUR;
Enterprise with less than 250 employees and having a turnover of less than EUR 50 million or total assets less than EUR 43 million;
prav tako niso del skupine, ki presega navedene pragove.
also not belonging to a group exceeding such thresholds.
V skladu s Priporočilom Komisije „za podjetje velja vsak subjekt, vključen v gospodarsko dejavnost, ne glede na njegovo pravno obliko.“
According to the Commission Recommendation, ‘an enterprise is considered to be any entity engaged in an economic activity, irrespective of its legal form’.
Izraz „omejeni sektorji“ se skupaj nanaša na naslednje gospodarske sektorje:
illegal economic activities: any production, trade or other activity, which is illegal under the laws or regulations of the home jurisdiction for such production, trade or activity.(b) Tobacco and distilled alcoholic beverages.
financiranje proizvodnje vsega orožja in streliva ter trgovanja z njimi.
The production of and trade in tobacco and distilled alcoholic beverages and related products.(c) Production of and trade in weapons and ammunition:
Omejitev ne velja, če so zadevne dejavnosti del izrecnih politik Evropske unije ali jih dopolnjujejo.(d) Igralnice.
the financing of the production of and trade in weapons and ammunition of any kind.
Igralnice in enakovredna podjetja.(e) Omejitve sektorja IT.
This restriction does not apply to the extent such activities are part of or accessory to explicit European Union policies.(d) Casinos.
Raziskave, razvoj ali tehnične aplikacije, povezane s programi ali rešitvami za elektronske podatke, ki so (i) izključno namenjeni:
Casinos and equivalent enterprises.(e) IT sector restrictions.
podpori katere od dejavnosti, vključenih v omejene sektorje iz točk (a) do (d);
Research, development or technical applications relating to electronic data programs or solutions, which (i) aim specifically at:
igram na srečo na internetu in spletnim igralnicam;
supporting any activity included in the Restricted Sectors referred to a to d above;
ali (c) pornografiji, ali katerih (ii) namen je omogočiti (a) nezakonit vstop v omrežja z elektronskimi podatki;
internet gambling and online casinos;
ali (b) nezakonito prenašanje elektronskih podatkov.(f) Omejitve sektorja za biološke vede.
or (c) pornography, or which (ii) are intended to enable to illegally (a) enter into electronic data networks;
Pri zagotavljanju podpore financiranju raziskav, razvoja ali tehničnih aplikacij v zvezi s:
or (b) download electronic data.(f) Life science sector restrictions.
PRILOGA III
or (ii) Genetically Modified Organisms (GMOs).
Razmerje med deležniki in kritjem omejenega portfeljskega jamstva Vračanje Izterjava
ANNEX III
Organ upravljanja
Capped Portfolio Guarantee for SME's (Capped Guarantee)
Sporazum o financiranju –prispevek iz programa
Schematic representation of the Capped Guarantee
Sklad skladov
Relation between stakeholders and Capped Guarantee portfolio coverage
Finančni posrednik, ki upravlja z jamstvenim skladom
Managing authority
Obveznosti iz omejenega jamstva – plačila izgub
Funding agreement — programme contribution
Posojila
Fund of funds
MSP
Financial intermediary managing the Guarantee Fund
stopnja jamstva za posamezno posojilo
Loans
finančna institucija
Reimbursement Recovery
tveganje, ki ga zadrži finančna institucija (lastno tveganje finančne institucije)
SMEs
stopnja omejitve jamstva
Guarantee Rate on a loan by loan basis
kritje jamstva s prispevkom iz programa
Financial Institution
* multiplikator = (1/stopnja jamstva) × (1/stopnja omejitve jamstva)
Multiplier *
Omejeno portfeljsko jamstvo zagotavlja kritje kreditnega tveganja za posamezno posojilo z namenom oblikovanja portfelja novih posojil MSP do maksimalnega zneska izgube (omejitev).
Financial institution
Omejeno portfeljsko jamstvo da na voljo organ upravljanja v okviru operacije, ki je del prednostne osi, opredeljene v programu, ki ga sofinancirajo evropski strukturni in investicijski skladi (skladi ESI), ter je opredeljena v okviru predhodne ocene iz člena 37 Uredbe (EU) št. 1303/2013.
Risk retained by the financial institution (financial institution own risk)
zagotavljanje boljšega dostopa ciljnim MSP do financiranja z obravnavo konkretnih in jasno opredeljenih tržnih vrzeli;
Guarantee Cap Rate
uporaba finančnega vzvoda skladov ESI za podporo financiranju MSP v skladu s členom 37(4) Uredbe (EU) št. 1303/2013.
Guarantee coverage by the Programme contribution
Prispevek organa upravljanja v okviru programa sklada ESI je v obliki jamstvenega sklada, ki ga upravlja finančni posrednik.
* Multiplier = (1/Guarantee Rate) × (1/Guarantee Cap Rate)
Zadevni prispevek ne sme izrinjati jamstev, ki so na voljo pri drugih javnih ali zasebnih vlagateljih.
The Capped Portfolio Guarantee shall provide credit risk coverage on a loan by loan basis, for the creation of a portfolio of new loans to SMEs up to a maximum loss amount (cap).
Jamstveni sklad, s katerim upravlja finančni posrednik, se zaveže, da bo finančnim institucijam, ki oblikujejo portfelje novih posojil, v primeru neizpolnjevanja obveznosti končnih prejemnikov zagotovil sredstva iz programa sklada ESI.
The Capped Portfolio Guarantee shall be made available by the managing authority, in the framework of the operation which is part of the priority axis defined in the programme co-funded by the European Structural and Investment Funds (ESIF) and defined in the context of the ex-ante assessment required in Article 37 of Regulation (EU) No 1303/2013.
Instrument omejenega jamstva se izvaja za kritje portfelja novih posojil, ki ga oblikuje ena ali več finančnih institucij.