natgillin/translations-raw huggingface dataset:
For loans to households for consumption and other purposes:
Za posojila gospodinjstvom za potrošnjo in za druge namene:
over one year and up to (and including) five years initial rate fixation, and
začetna določitev obrestne mere od enega do (vključno) petih let in
For loans to households for house purchase:
Za posojila gospodinjstvom za nakup hiše:
over five and up to (and including) 10 years initial rate fixation, and
začetna določitev obrestne mere od petih do (vključno) desetih let in
The following periods of initial rate fixation are distinguished for loans to non-financial corporations up to EUR 0,25 million, over EUR 0,25 million up to EUR 1 million and over EUR 1 million:
Pri posojilih nefinančnim družbam do 0,25 milijona EUR, od 0,25 milijona EUR do 1 milijona EUR in nad 1 milijonom EUR se razlikujejo naslednja obdobja začetne določitve obrestne mere:
over five and up to (and including) ten years initial rate fixation, and
določitev obrestne mere od petih do (vključno) desetih let in
For the purposes of MFI interest rate statistics, ‘floating rate’ is defined as the interest rate that is subject to interest revisions on a continuous basis, e.g. every day, or at the discretion of the MFI except central banks and MMFs.
Za namene statistike obrestnih mer MFI se „spremenljiva obrestna mera“ opredeli kot obrestna mera, ki se redno spreminja, npr. vsak dan, ali ki se spreminja po prostem preudarku MFI, razen centralnih bank in SDT.
Loans to households and non-financial corporations secured with collateral and/or guarantees are additionally separately reported for all MFI interest rate statistics new business categories except credit card debt, revolving loans and overdrafts, and lending for other purposes.
Posojila gospodinjstvom in nefinančnim družbam, ki so zavarovana s premoženjem in/ali jamstvi, se dodatno ločeno poročajo za vse kategorije novih poslov po statistiki obrestnih mer MFI, razen dolga po kreditnih karticah, posojil revolving in prekoračitev stanj na računih ter posojil za druge namene.
Furthermore, no breakdown by collateral/guarantees is required for the indicators referring to new business volumes of renegotiated loans.
Poleg tega za kazalnike, ki se nanašajo na obseg novih poslov iz naslova na novo izpogajanih posojil, ni potrebna razčlenitev glede na zavarovanje s premoženjem/jamstvi.
For the purpose of MFI interest rate statistics, the breakdown of loans according to collateral/guarantees includes the total amount of new business loans which are collateralised using the ‘funded credit protection’ technique as defined in Article 4(1)(58) and Articles 197 to 200 of Regulation (EU) No 575/2013 of the European Parliament and of the Council of 26 June 2013 on prudential requirements for credit institutions and investment firms [6] and/or guaranteed using the ‘unfunded credit protection’ technique as defined in Article 4(1)(59) and Articles 201, 202 and 203 of Regulation (EU) No 575/2013, in such a way that the value of the collateral and/or guarantee is higher than or equal to the total amount of the loan.
Za namene statistike obrestnih mer MFI razčlenitev posojil glede na zavarovanje s premoženjem/jamstvi vključuje skupen znesek novih poslov iz naslova posojil, ki so zavarovani s premoženjem po tehniki „stvarnega kreditnega zavarovanja“, kot je opredeljena v členu 4(1)(58) in členih 197 do 200 Uredbe (EU) št. 575/2013 Evropskega parlamenta in Sveta z dne 26. junija 2013 o bonitetnih zahtevah za kreditne institucije in investicijska podjetja [6], in/ali ki so zavarovani z osebnimi jamstvi po tehniki „osebnega kreditnega zavarovanja“, kot je opredeljena v členu 4(1)(59) in členih 201, 202 in 203 Uredbe (EU) št. 575/2013, in sicer tako, da je vrednost premoženja in/ali jamstev višja ali enaka skupnem znesku posojila.
If an MFI except central banks and MMFs applies a system different from the ‘Standardised Approach’ as defined in Regulation (EU) No 575/2013 for supervisory purposes, it may also apply the same treatment in the reporting of loans included under this breakdown.
Če MFI, razen centralnih bank in SDT, za namene nadzora uporabi drugačen sistem, kot je „standardizirani pristop“, kakor je opredeljen v Uredbi (EU) št. 575/2013, lahko ta isti sistem uporabi tudi pri poročanju posojil, vključenih v to razčlenitev.
In order to derive aggregates referring to all euro area Member States, three levels of aggregation are applied for each of the instrument categories listed in Appendices 1 and 2.
Za ugotovitev agregatov, ki se nanašajo na vse države članice euroobmočja, se uporabijo tri ravni agregiranja za vsako od kategorij instrumentov, navedenih v dodatkih 1 in 2.
Statistical information at the level of the reporting agents
Statistične informacije na ravni poročevalskih enot
The first level of aggregation is carried out by the reporting agents as defined in paragraphs 67 to 72.
Agregiranje na prvi ravni opravijo poročevalske enote, kot je opredeljeno v odstavkih 67 do 72.
The data is reported to the NCB of the euro area Member State in which the reporting agent is resident.
Podatki se poročajo NCB države članice euroobmočja, v kateri je poročevalska enota rezident.
If the interest rates on outstanding amounts, i.e. indicators 1 to 26 in Appendix 1, are compiled as a snapshot of end-month observations, then the reporting agents provide a weighted average interest rate referring to the last day of the month for each of the instrument categories.
Če so obrestne mere za stanje zadolženosti, tj. kazalniki 1 do 26 v Dodatku 1, pripravljene kot posnetek opažanj ob koncu meseca, poročajo poročevalske enote za vsako kategorijo instrumentov tehtano povprečno obrestno mero, ki se nanaša na zadnji dan v mesecu.
If the interest rates on outstanding amounts, i.e. indicators 1 to 26 in Appendix 1, are compiled as implicit rates referring to the average of the month, reporting agents provide the accrued interest payable or receivable during the month and the average stock of deposits and loans during the same month for each of the instrument categories.
Če so obrestne mere za stanje zadolženosti, tj. kazalniki 1 do 26 v Dodatku 1, pripravljene kot implicitne obrestne mere, ki se nanašajo na mesečno povprečje, poročajo poročevalske enote za vsako kategorijo instrumentov obračunane obresti, plačane ali prejete v mesecu, ter povprečno stanje vlog in posojil v istem mesecu.
If the interest rates on overnight deposits, deposits redeemable at notice, extended credit card credit and revolving loans and overdrafts, i.e. indicators 1, 5, 6, 7, 12, 23, 32 and 36 in Appendix 2, are compiled as a snapshot of end-month observations, then the reporting agents provide a weighted average interest rate referring to the last day of the month for each of the instrument categories.
Če so obrestne mere za vloge čez noč, vloge na odpoklic z odpovednim rokom, obrestovana posojila po kreditnih karticah in posojila revolving ter prekoračitve stanj na računih, tj. kazalniki 1, 5, 6, 7, 12, 23, 32 in 36 v Dodatku 2, pripravljene kot posnetek opažanj ob koncu meseca, poročajo poročevalske enote za vsako kategorijo instrumentov tehtano povprečno obrestno mero, ki se nanaša na zadnji dan v mesecu.
If the interest rates on overnight deposits, deposits redeemable at notice, extended credit card credit and revolving loans and overdrafts, i.e. indicators 1, 5, 6, 7, 12, 23, 32 and 36 in Appendix 2, are compiled as implicit rates referring to the average of the month, then the reporting agents provide the accrued interest payable or receivable during the month and the average stock of deposits and loans during the same month for each of the instrument categories.
Če so obrestne mere za vloge čez noč, vloge na odpoklic z odpovednim rokom, obrestovana posojila po kreditnih karticah in posojila revolving ter prekoračitve stanj na računih, tj. kazalniki 1, 5, 6, 7, 12, 23, 32 in 36 v Dodatku 2, pripravljene kot implicitne obrestne mere, ki se nanašajo na mesečno povprečje, poročajo poročevalske enote za vsako kategorijo instrumentov obračunane obresti, plačane ali prejete v mesecu, ter povprečno stanje vlog in posojil v istem mesecu.
For each of the instrument categories on new business, i.e. indicators 2 to 4, 8 to 11, 13 to 22, 30 to 31, 33 to 35 and 37 to 85 in Appendix 2, reporting agents provide a weighted average interest rate.
Za vsako kategorijo instrumentov za nove posle, tj. kazalnike 2 do 4, 8 do 11, 13 do 22, 30 do 31, 33 do 35 in 37 do 85 v Dodatku 2, poročajo poročevalske enote tehtano povprečno obrestno mero.
In addition, reporting agents provide the amount of new business conducted in each instrument category during the month for each of indicators 2 to 4, 8 to 11, 13 to 22, 33 to 35 and 37 to 85 in Appendix 2.
Poleg tega poročevalske enote poročajo znesek novih poslov, opravljenih v posameznih kategorijah instrumentov v mesecu, za vsakega od kazalnikov 2 do 4, 8 do 11, 13 do 22, 33 do 35 in 37 do 85 v Dodatku 2.
For the instrument categories referring to renegotiated loans to households and non-financial corporations (indicators 88 to 91 in Appendix 2), only information on new business volumes is required.
Za kategorije instrumentov, ki se nanašajo na na novo izpogajana posojila gospodinjstvom in nefinančnim družbam (kazalniki 88 do 91 v Dodatku 2), se zahtevajo samo informacije o obsegu novih poslov.
Credit and other institutions that are permitted by an NCB to report MFI interest rate statistics together as a group are considered as one reporting agent and provide the data referred to in paragraphs 67 to 71 referring to the group as a whole.
Kreditne in druge institucije, ki jim določena NCB dovoli poročati statistiko obrestnih mer MFI skupaj kot skupini, se štejejo za eno poročevalsko enoto in poročajo podatke, navedene v odstavkih 67 do 71, ki se nanašajo na skupino kot celoto.
In addition, these reporting agents provide every year the number of reporting institutions within the group and the variance of interest rates across these institutions for each instrument category.
Poleg tega te poročevalske enote vsako leto poročajo število poročevalskih institucij znotraj skupine in varianco obrestnih mer v teh institucijah za vsako kategorijo instrumentov.
National weighted average interest rates and Aggregated results for the euro area Member States
Nacionalne tehtane povprečne obrestne mere in agregirani rezultati za države članice euroobmočja
They aggregate the interest rates and related amounts of business for all their national reporting agents to a national weighted average interest rate for each instrument category.
NCB agregirajo obrestne mere in z njimi povezane zneske poslovanja za vse svoje nacionalne poročevalske enote v nacionalno tehtano povprečno obrestno mero za vsako kategorijo instrumentov.
The final level of aggregation of the instrument categories per euro area Member State to the level of all euro area Member States is carried out by the ECB.
Agregiranje na zadnji ravni za kategorije instrumentov po posameznih državah članicah euroobmočja na ravni vseh držav članic euroobmočja opravi ECB.
NCBs may grant derogations for consumer credit and loans to households for house purchase vis-à-vis non-profit institutions serving households.
NCB lahko odobrijo odstopanja za potrošniške kredite in posojila gospodinjstvom za nakup hiše pri nepridobitnih institucijah, ki opravljajo storitve za gospodinjstva.
S.14 and S.15 combined, as defined in the ESA 2010 laid down by Regulation (EU) No 549/2013 of the European Parliament and of the Council of 21 May 2013 on the European system of national and regional accounts in the European Union (OJ L 174, 26.6.2013, p. 1).
S.14 in S.15 skupaj, kot je opredeljeno v ESR 2010, določenem v Uredbi (EU) št. 549/2013 Evropskega parlamenta in Sveta z dne 21. maja 2013 o Evropskem sistemu nacionalnih in regionalnih računov v Evropski uniji (UL L 174, 26.6.2013, str. 1).
S.11 as defined in ESA 2010.
S.11, kot je opredeljeno v ESR 2010.
MINIMUM STANDARDS TO BE APPLIED BY THE ACTUAL REPORTING POPULATION
MINIMALNI STANDARDI, KI JIH MORA UPORABLJATI DEJANSKA POROČEVALSKA POPULACIJA
Reporting agents must fulfil the following minimum standards to meet the European Central Bank’s (ECB’s) statistical reporting requirements.
Pri izpolnjevanju zahtev Evropske centralne banke (ECB) za statistično poročanje morajo poročevalske enote upoštevati naslednje minimalne standarde.
reporting must be timely and within the deadlines set by the NCB of the euro area Member State in which the reporting agent is resident (hereinafter the ‘relevant NCB’);
poročanje mora biti pravočasno in v rokih, ki jih določi NCB države članice euroobmočja, v kateri je poročevalska enota rezident (v nadaljnjem besedilu: zadevna NCB);
the reporting agent must provide the details of one or more contact persons to the relevant NCB;
poročevalska enota mora zadevni NCB zagotoviti podatke ene ali več kontaktnih oseb;
the technical specifications for data transmission to the relevant NCB must be followed.
upoštevati je treba tehnične specifikacije za prenos podatkov zadevni NCB.
statistical information must be correct;
statistične informacije morajo biti pravilne;
statistical information must be complete and must not contain continuous and structural gaps; existing gaps should be acknowledged, explained to the relevant NCB and, where applicable, bridged as soon as possible;
statistične informacije morajo biti popolne in ne smejo vsebovati trajnih in strukturnih vrzeli; obstoječe vrzeli je treba ugotoviti, jih pojasniti zadevni NCB in jih po potrebi čim prej premostiti;
statistical information must comply with the definitions and classifications contained in this Regulation;
statistične informacije morajo upoštevati opredelitve in razvrstitve iz te uredbe;
in the event of deviations from these definitions and classifications, reporting agents must monitor and quantify the difference between the measure used and the measure contained in this Regulation on a regular basis;
v primeru odstopanj od teh opredelitev in razvrstitev morajo poročevalske enote redno spremljati in kvantificirati razliko med uporabljenim merilom in merilom v tej uredbi;
The revisions policy and procedures set by the ECB and the relevant NCB must be followed.
Upoštevati je treba pravila za popravke in postopke, ki jih določita ECB in zadevna NCB.
REPEALED REGULATION WITH LIST OF SUCCESSIVE AMENDMENTS
RAZVELJAVLJENA UREDBA S SEZNAMOM NJENIH POZNEJŠIH SPREMEMB
Regulation (EC) No 63/2002 (ECB/2001/18)
Uredba (ES) št. 63/2002 (ECB/2001/18)
(OJ L 10, 12.1.2002, p. 24)
(UL L 10, 12.1.2002, str. 24)
Amended by:
Spremenjena z:
Regulation (EC) No 2181/2004 (ECB/2004/21)
Uredbo (ES) št. 2181/2004 (ECB/2004/21)
(OJ L 371, 18.12.2004, p. 42)
(UL L 371, 18.12.2004, str. 42)
Regulation (EC) No 290/2009 (ECB/2009/7)
Uredbo (ES) št. 290/2009 (ECB/2009/7)
(OJ L 94, 8.4.2009, p. 75)
(UL L 94, 8.4.2009, str. 75)
Regulation (EU) No 674/2010 (ECB/2010/7)
Uredbo (EU) št. 674/2010 (ECB/2010/7)
(OJ L 196, 28.7.2010, p. 23)
(UL L 196, 28.7.2010, str. 23)
Annex I [1]
Priloga I [1]
To be included in an ECB guideline recasting Guideline ECB/2007/9.
Vključi se v smernico ECB, s katero se prenovi Smernica ECB/2007/9.
Regulation (EU) No 1073/2013 of the European Central Bank
Uredba (EU) št. 1073/2013 Evropske centralne banke
concerning statistics on the assets and liabilities of investment funds (recast)
o statistiki sredstev in obveznosti investicijskih skladov (prenovitev)
Having regard to Council Regulation (EC) No 2533/98 of 23 November 1998 concerning the collection of statistical information by the European Central Bank [1], and in particular Articles 5(1) and 6(4),
ob upoštevanju Uredbe Sveta (ES) št. 2533/98 z dne 23. novembra 1998 o zbiranju statističnih informacij s strani Evropske centralne banke [1] ter zlasti člena 5(1) in člena 6(4),
Since Regulation (EC) No 958/2007 of the European Central Bank of 27 July 2007 concerning statistics on the assets and liabilities of investment funds (ECB/2007/8) [2] needs to be substantially amended, in particular in the light of Regulation (EU) No 549/2013 of the European Parliament and of the Council of 21 May 2013 on the European system of national and regional accounts in the European Union [3], it should be recast in the interests of clarity.
Uredbo (ES) št. 958/2007 Evropske centralne banke z dne 27. julija 2007 o statistiki sredstev in obveznosti investicijskih skladov (ECB/2007/8) [2] je treba bistveno spremeniti, zlasti ob upoštevanju Uredbe (EU) št. 549/2013 Evropskega parlamenta in Sveta z dne 21. maja 2013 o Evropskem sistemu nacionalnih in regionalnih računov v Evropski uniji [3], zato jo je treba zaradi jasnosti prenoviti.
It follows from Article 2(2)(a) of Regulation (EC) No 2533/98 that investment funds (IFs) form part of the reference reporting population for the purposes of fulfilling the ECB’s statistical reporting requirements, inter alia, in the field of monetary and financial statistics.
Iz člena 2(2)(a) Uredbe (ES) št. 2533/98 izhaja, da so investicijski skladi del referenčne poročevalske populacije za namen izpolnitve zahtev ECB za statistično poročanje, med drugim na področju denarne in finančne statistike.
Furthermore, 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 entitles it to fully or partly exempt specific classes of reporting agents from its statistical reporting requirements.
Poleg tega člen 3 Uredbe (ES) št. 2533/98 od ECB zahteva, da določi dejansko poročevalsko populacijo v mejah referenčne poročevalske populacije, in ji daje pravico, da določene razrede poročevalskih enot polno ali delno oprosti zahtev za statistično poročanje.
In order to fulfil its tasks and monitor financial activities other than those undertaken by monetary financial institutions (MFIs), the ESCB requires high quality statistical information on the business of IFs.
ESCB zaradi izpolnitve svojih nalog in spremljanja finančnih dejavnosti, razen tistih, ki jih opravljajo denarne finančne institucije (MFI), zahteva visoko kakovost statističnih informacij o dejavnosti investicijskih skladov.
The principal purpose of such information is to provide the ECB with a comprehensive statistical picture of the IF sector in the Member States whose currency is the euro (hereinafter the ‘euro area Member States’), which are viewed as one economic territory.
Glavni namen teh informacij je ECB zagotoviti celovito statistično sliko sektorja investicijskih skladov v državah članicah, katerih valuta je euro (v nadaljnjem besedilu: države članice euroobmočja), ki se štejejo kot eno gospodarsko ozemlje.
To limit the reporting burden, NCBs are allowed to collect the necessary information on IFs from the actual reporting population as part of a broader statistical reporting framework which serves other statistical purposes, provided that the fulfilment of the ECB’s statistical requirements is not jeopardised.
Zaradi omejitve bremena poročanja lahko NCB zbirajo potrebne informacije o investicijskih skladih od dejanske poročevalske populacije kot del širšega okvira za statistično poročanje, ki služi za druge statistične namene, pod pogojem, da izpolnitev statističnih zahtev ECB ni ogrožena.
Although regulations adopted under Article 34.1 of the Statute of the European System of Central Banks and the European Central Bank (hereinafter the ‘Statute of the ESCB’) do not confer any rights or impose any obligations on Member States whose currency is not the euro (hereinafter the ‘non-euro area Member States’), Article 5 of the Statute of the ESCB applies to both euro and non-euro area Member States.
Čeprav uredbe, sprejete na podlagi člena 34.1 Statuta Evropskega sistema centralnih bank in Evropske centralne banke (v nadaljnjem besedilu: Statut ESCB), ne podeljujejo pravic ali nalagajo obveznosti državam članicam, katerih valuta ni euro (v nadaljnjem besedilu: države članice zunaj euroobmočja), se člen 5 Statuta ESCB uporablja tako za države članice euroobmočja kot za države članice zunaj euroobmočja.
Recital 17 of Regulation (EC) No 2533/98 refers to the fact that Article 5 of the Statute of the ESCB, together with Article 4(3) of the Treaty on European Union, implies an obligation to design and implement at national level all the measures that the non-euro area Member States consider appropriate to collect the statistical information needed to fulfil the ECB’s statistical reporting requirements and make timely preparations in the field of statistics in order to become euro area Member States.
Uvodna izjava 17 Uredbe (ES) št. 2533/98 navaja dejstvo, da člen 5 Statuta ESCB, skupaj s členom 4(3) Pogodbe o Evropski uniji, na nacionalni ravni pomeni obveznost priprave in izvajanja vseh ukrepov, ki jih države članice zunaj euroobmočja štejejo za ustrezne za zbiranje statističnih informacij, potrebnih za izpolnitev zahtev ECB za statistično poročanje, in za pravočasno pripravo na področju statistike, da lahko postanejo države članice euroobmočja.
Although this Regulation is primarily addressed to IFs, complete information on holders of bearer shares issued by IFs may not be directly available from IFs, and it is therefore necessary to include other entities in the actual reporting population.
Čeprav je ta uredba v prvi vrsti naslovljena na investicijske sklade, popolne informacije o imetnikih prinosniških delnic, ki jih izdajo investicijski skladi, morda niso neposredno na voljo pri investicijskih skladih, zato je treba v dejansko poročevalsko populacijo vključiti druge subjekte.
‘investment fund (IF)’ means a collective investment undertaking that:
„investicijski sklad“ pomeni kolektivni naložbeni podjem, ki:
invests in financial and/or non-financial assets, within the meaning of Annex II, to the extent that its objective is investing capital raised from the public; and
investira v finančna in/ali nefinančna sredstva, v smislu Priloge II, kolikor je njegov cilj investiranje kapitala, ki ga je vložila javnost, in
is constituted pursuant to Union or national law under:
je ustanovljen po pravu Unije ali nacionalnem pravu na podlagi:
contract law, as a common fund managed by management companies;
pogodbenega prava kot splošni sklad, ki ga upravljajo družbe za upravljanje;
trust law, as a unit trust;
zakonodaje o skladih kot vzajemni sklad;
company law, as an investment company;
prava družb kot investicijska družba;
any other similar mechanism or legal form.
katerega koli drugega podobnega mehanizma ali pravne oblike.
The following are included within the definition:
Pod opredelitev spada naslednje:
undertakings whose units or shares are, at the request of the holders, repurchased or redeemed directly or indirectly out of the undertaking’s assets; and
podjemi, katerih enote ali delnice se na zahtevo imetnikov ponovno odkupijo ali izplačajo neposredno ali posredno iz sredstev podjema, in
undertakings which have a fixed number of issued shares and whose shareholders have to buy or sell existing shares when entering or leaving the fund.
podjemi, ki imajo fiksno število izdanih delnic in katerih delničarji morajo pri vstopu v sklad ali izstopu iz njega kupiti ali prodati obstoječe delnice.
The following are not included within the definition:
Pod opredelitev ne spada naslednje:
pension funds as defined in the revised European System of Accounts (hereinafter the ‘ESA 2010’) laid down by Regulation (EU) No 549/2013 (sub-sector S.129);
pokojninski skladi, kakor so opredeljeni v revidiranem Evropskem sistemu računov (v nadaljnjem besedilu: ESR 2010), določenem v Uredbi (EU) št. 549/2013 (podsektor S.129);
money market funds (MMFs) as defined in Annex I to 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) [4].
skladi denarnega trga (SDT), kakor so opredeljeni v Prilogi I k Uredbi (EU) št. 1071/2013 Evropske centralne banke z dne 24. septembra 2013 o bilanci stanja sektorja denarnih finančnih institucij (ECB/2013/33) [4].
For the purposes of the definition of IF, ‘public’ shall encompass retail, professional and institutional investors;
Za namene opredelitve investicijskega sklada „javno“ obsega zasebne, profesionalne in institucionalne investitorje;