natgillin/translations-raw huggingface dataset:
In order to ensure widespread dissemination and availability of key information documents, this Regulation should provide for publication by the PRIIP manufacturer of key information documents on its website.
Da bi zagotovili splošno razširjanje in razpoložljivost dokumentov s ključnimi informacijami, bi bilo treba v tej uredbi določiti, da mora proizvajalec PRIIP dokumente s ključnimi informacijami objaviti na svojem spletnem mestu.
To meet the needs of retail investors, it is necessary to ensure that information on PRIIPs is accurate, fair, clear and not misleading for those retail investors.
Da bi zadostili potrebam malih vlagateljev, je treba zagotoviti, da so informacije o PRIIP točne, poštene in jasne ter da ne zavajajo teh malih vlagateljev.
This Regulation should therefore lay down common standards for the drafting of the key information document, in order to ensure that it is comprehensible to retail investors.
Zato bi bilo treba v tej uredbi določiti skupne standarde za pripravo dokumenta s ključnimi informacijami, s katerimi bo zagotovljeno, da bo razumljiv za male vlagatelje.
Given the difficulties many retail investors have in understanding specialist financial terminology, particular attention should be paid to the vocabulary and style of writing used in the document.
Glede na težave, ki jih imajo številni mali vlagatelji z razumevanjem strokovne finančne terminologije, bi bilo treba posebno pozornost nameniti besednjaku in slogu pisanja v dokumentu.
Rules should also be laid down on the language in which the key information document should be drawn up.
Prav tako bi bilo treba določiti pravila glede jezika, v katerem bi moral biti dokument s ključnimi informacijami napisan.
Furthermore, retail investors should be able to understand the key information document on its own without referring to other non-marketing information.
Za male vlagatelje bi moral biti dokument s ključnimi informacijami razumljiv sam po sebi, brez sklicevanja na dodatne netržne informacije.
When developing the technical standards for the content of the key information document so as to reflect accurately the product's investment policies and its objectives in accordance with this Regulation, the ESAs should ensure that the PRIIP manufacturer uses clear and understandable language which is accessible to retail investors and that the description of how the investment targets are achieved, including the description of the financial instruments used, avoids financial jargon and terminology which is not immediately clear to retail investors.
Da bi vsebina dokumenta s ključnimi informacijami natančno odražala naložbene politike produkta in njegove cilje, določene v tej uredbi, bi morali evropski nadzorni organi pri oblikovanju tehničnih standardov za vsebino navedenega dokumenta zagotoviti, da proizvajalec PRIIP uporabi jasen in malim vlagateljem razumljiv jezik ter da se pri opisu, kako se naložbeni cilji dosegajo, pa tudi opisu uporabljenih finančnih instrumentov, izogiba finančnima žargonu in terminologiji, ki malim vlagateljem nista takoj razumljiva.
Retail investors should be provided with the information necessary for them to make an informed investment decision and compare different PRIIPs, but unless the information is short and concise there is a risk that they will not use it.
Malim vlagateljem bi bilo treba zagotoviti informacije, ki jih potrebujejo, da sprejmejo informirano naložbeno odločitev in primerjajo različne PRIIP, vendar morajo biti te informacije kratke in jedrnate, sicer se lahko zgodi, da jih ne bodo uporabili.
The key information document should therefore only contain key information, in particular as regards the nature and features of the product, including whether it is possible to lose capital, the costs and risk profile of the product, as well as relevant performance information, and certain other specific information which may be necessary for understanding the features of individual types of product.
Dokument s ključnimi informacijami bi zato moral vsebovati le ključne informacije, predvsem o naravi in značilnostih produkta, med drugim o možnosti izgube kapitala, podatke o stroških in profilu tveganja produkta ter ustrezne informacije o uspešnosti in nekatere druge specifične informacije, ki bi lahko bile potrebne za razumevanje lastnosti posameznih vrst produkta.
Investment product calculators are already being developed at national level.
Razvoj kalkulatorjev naložbenih produktov že poteka na nacionalni ravni.
However, in order that the calculators are as useful as possible to consumers, they should cover the costs and fees charged by the various PRIIP manufacturers, together with any further costs or fees charged by intermediaries or other parts of the investment chain not already included by the PRIIP manufacturers.
Da bi bili ti kalkulatorji čim bolj uporabni za potrošnike, bi morali pri izračunu upoštevati stroške in provizije, ki jih zaračunajo različni proizvajalci PRIIP, in morebitne dodatne stroške in provizije, ki jih zaračunajo posredniki ali drugi členi v naložbeni verigi in ki jih proizvajalci PRIIP še niso vključili v ceno produkta.
The Commission should report on whether those tools are available on-line in each Member State and whether they provide for reliable and accurate computations of aggregate costs and fees for all products within the scope of this Regulation.
Komisija bi morala poročati, ali so ti kalkulatorji na voljo na spletu v vsaki državi članici ter ali omogočajo zanesljiv in točen izračun skupnih stroškov in provizij za vse produkte, ki spadajo v področje uporabe te uredbe.
The key information document should be drawn up in a standardised format which allows retail investors to compare different PRIIPs, since consumer behaviour and capabilities are such that the format, presentation and content of information must be carefully calibrated to maximise understanding and use of information.
Dokument s ključnimi informacijami bi moral biti pripravljen v standardizirani obliki, ki bi malim vlagateljem omogočala primerjavo različnih PRIIP, saj morajo biti oblika, prikaz in vsebina informacij glede na vedenjske vzorce in sposobnosti potrošnikov skrbno premišljeni, da bi bile informacije čim bolj razumljive in uporabne.
The same order of items and headings for these items should be followed for each document.
Vrstni red posameznih informacij in naslovov, pod katerimi so navedene, bi moral biti enak v vseh dokumentih.
In addition, the details of the information to be included in the key information document for different PRIIPs and the presentation of this information should be further harmonised through regulatory technical standards that take into account existing and ongoing research into consumer behaviour, including results from testing the effectiveness of different ways of presenting information with consumers.
Poleg tega bi bilo treba podrobnosti v zvezi z informacijami, ki bi jih bilo treba vključiti v dokument s ključnimi informacijami za različne PRIIP, in prikaz teh informacij dodatno uskladiti z regulativnimi tehničnimi standardi, v katerih se upoštevajo obstoječe in še potekajoče raziskave o vedenjskih vzorcih potrošnikov, vključno z rezultati testov učinkovitosti različnih načinov prikazovanja informacij potrošnikom.
In addition, some PRIIPs give the retail investor a choice between multiple underlying investments, such as internal funds held by insurance undertakings.
Poleg tega imajo mali vlagatelji pri nekaterih PRIIP možnost izbire med več osnovnimi naložbami, kot so notranji skladi zavarovalnic.
Those products should be taken into account when drawing up the format.
Te produkte bi bilo treba upoštevati pri oblikovanju dokumenta.
As some of the investment products within the scope of this Regulation are not simple and may be difficult for retail investors to understand, the key information document should, where applicable, include a comprehension alert to the retail investor.
Ker so nekateri naložbeni produkti, ki so zajeti v področje uporabe te uredbe, zapleteni in malim vlagateljem morda težko razumljivi, bi moral dokument s ključnimi informacijami, kjer je ustrezno, vključevati opozorilo glede kompleksnosti in težke razumljivosti, da bo mali vlagatelj seznanjen s tem dejstvom.
A product should be regarded as not being simple and as being difficult to understand in particular if it invests in underlying assets in which retail investors do not commonly invest, if it uses a number of different mechanisms to calculate the final return of the investment, creating a greater risk of misunderstanding on the part of the retail investor or if the investment's pay-off takes advantage of retail investor's behavioural biases, such as a teaser rate followed by a much higher floating conditional rate, or an iterative formula.
Produkt bi moral veljati za zapletenega in težko razumljivega, zlasti če gre za naložbo v osnovna sredstva, v katera mali vlagatelji običajno ne vlagajo, če je uporabljenih več različnih mehanizmov za izračun donosnosti naložbe, zaradi česar je bolj verjetno, da ga bo mali vlagatelj napačno razumel, če se pri donosnosti naložbe izkoriščajo pričakovani vedenjski odkloni malih vlagateljev, tako da se jim primer ponudi vabljiva fiksna obrestna mera, ki ji sledi precej višja spremenljiva pogojna obrestna mera ali ponavljalna formula.
Increasingly, retail investors pursue, along with the financial returns on their investment, additional purposes such as social or environmental goals.
Mali vlagatelji si poleg finančnega donosa njihove naložbe vse pogosteje prizadevajo uresničiti tudi dodatne socialne ali okoljske cilje.
However, information on social or environmental outcomes sought by the PRIIP manufacturer can be difficult to compare or may be absent.
Vendar je lahko primerjava informacij o socialnih ali okoljskih rezultatih, ki jih želi doseči proizvajalec PRIIP, otežena ali pa te informacije sploh niso na voljo.
Therefore, anticipated sustainable environmental and social developments in financial investments, as well as the application of Regulation (EU) No 346/2013 of the European Parliament and of the Council [11] could allow for such aspects to be more appropriately integrated into, and further fostered by, Union law.
Predviden trajnostni okoljski in socialni razvoj v okviru finančnih naložb ter uporaba Uredbe (EU) št. 346/2013 Evropskega parlamenta in Sveta [11] bi zato lahko omogočila, da bi bili takšni odločilni vidiki ustrezneje vključeni v pravo Unije in nadalje obravnavani znotraj njega.
However there are no established criteria and there is no formal procedure to verify such social or environmental criteria objectively, as there already are in the food sector.
Vendar pa trenutno še ni vzpostavljenih meril in ni uradnega postopka za objektivno preverjanje takšnih socialnih ali okoljskih meril, kot obstajajo v prehrambnem sektorju.
Therefore, it is desirable that in its review of this Regulation the Commission thoroughly considers developments relating to social and environmental investment products and the outcome of the review of Regulation (EU) No 346/2013.
Zato je zaželeno, da Komisija pri pregledu te uredbe podrobno preuči razvoj socialnih in okoljskih naložbenih produktov ter rezultat pregleda Uredbe (EU) št. 346/2013.
The key information document should be clearly distinguishable and separate from any marketing communications.
Dokument s ključnimi informacijami bi se moral jasno razlikovati in bi moral biti ločen od vseh drugih tržnih sporočil.
To ensure that the information in the key information document is reliable, PRIIP manufacturers should be required to keep the key information document up to date.
Za zagotovitev zanesljivosti informacij v dokumentu s ključnimi informacijami bi ga morali proizvajalci PRIIP redno posodabljati.
To that end, it is necessary to establish detailed rules relating to the conditions and frequency of the review of the information and the revision of the key information document in regulatory technical standards to be adopted by the Commission.
V regulativnih tehničnih standardih, ki jih sprejme Komisija, je zato potrebno določiti podrobna pravila o pogojih in pogostosti pregledovanja informacij ter reviziji dokumenta s ključnimi informacijami.
Key information documents are the foundation for investment decisions by retail investors.
Dokumenti s ključnimi informacijami so podlaga za naložbene odločitve malih vlagateljev.
For that reason, PRIIP manufacturers have a significant responsibility towards retail investors in ensuring that they are not misleading, inaccurate or inconsistent with the relevant parts of the contractual documents of the PRIIP.
Odgovornost, ki jo imajo proizvajalci PR IIP do teh vlagateljev, je zato zelo velika, saj morajo zagotoviti, da so ti dokumenti nezavajajoči, točni in skladni z ustreznimi deli pogodbenih dokumentov PRIIP.
It is therefore important to ensure that retail investors have an effective right of redress.
Zato je pomembno zagotoviti, da imajo mali vlagatelji dejansko pravico do povrnitve škode.
It should also be ensured that all retail investors across the Union have the same right to seek compensation for damage suffered due to failure to comply with this Regulation.
Poleg tega bi morali imeti vsi mali vlagatelji povsod v Uniji enako pravico do povrnitve škode, ki so jo utrpeli zaradi nespoštovanja te uredbe.
Therefore, rules regarding the civil liability of the PRIIP manufacturers should be harmonised.
Zato bi bilo treba harmonizirati pravila o civilni odgovornosti proizvajalca PRIIP.
Retail investors should be able to hold the PRIIP manufacturer liable for an infringement of this Regulation where damage is suffered as a result of reliance on a key information document that is inconsistent with pre-contractual or contractual documents under the PRIIP manufacturer's control, or is misleading or inaccurate.
Mali vlagatelji bi morali imeti možnost zatrjevati, da je proizvajalec PRIIP odgovoren za kršitev te uredbe, v primeru, ko utrpi škodo zaradi zanašanja na dokument s ključnimi informacijami, ki je neskladen s predpogodbenimi ali pogodbenimi dokumenti, ki so v pristojnosti proizvajalca PRIIP, ali ki je zavajajoč ali netočen.
Matters concerning the civil liability of a PRIIP manufacturer which are not covered by this Regulation should be governed by the applicable national law.
Vprašanja civilne odgovornosti proizvajalca PRIIP, ki niso zajeta v tej uredbi, bi moralo urejati veljavno nacionalno pravo.
The court competent to decide on a claim for civil liability brought by a retail investor should be determined by the relevant rules on international jurisdiction.
Sodišče, pristojno za odločanje o zahtevku iz naslova civilne odgovornosti, ki ga vloži mali vlagatelj, bi moralo biti določeno na podlagi ustreznih pravil o mednarodni pristojnosti.
This Regulation does not introduce a passport allowing for the cross-border sale or marketing of PRIIPs to retail investors, or alter existing passport arrangements for the cross-border sale or marketing of PRIIPs, if any.
Ta uredba sama po sebi ne uvaja dovoljenja za čezmejno prodajo ali trženje PRIIP malim vlagateljem oziroma ne spreminja obstoječih režimov dovoljenj za čezmejno prodajo ali trženje PRIIP, v kolikor obstajajo.
This Regulation does not alter the allocation of responsibilities between existing competent authorities under existing passport arrangements.
Ta uredba ne spreminja porazdelitve odgovornosti med obstoječimi pristojnimi organi na podlagi obstoječih režimov dovoljenj.
Competent authorities designated by Member States for the purposes of this Regulation should therefore be consistent with those competent for the marketing of PRIIPs under an existing passport, if any.
Pristojni organi, ki jih za namene te uredbe imenujejo države članice, bi zato morali delovati usklajeno z organi, pristojnimi za trženje PRIIP v skladu z obstoječim dovoljenjem, v kolikor obstaja.
The competent authority of the Member State where the PRIIP is marketed should be responsible for supervision of the marketing of that PRIIP.
Pristojni organ države članice, v kateri se PRIIP trži, bi moral biti odgovoren za nadzor trženja zadevnega PRIIP.
The competent authority of the Member State where the product is marketed should always have the right to suspend the marketing of a PRIIP within their territory in cases of non-compliance with this Regulation.
Pristojni organ države članice, v kateri se produkt trži, bi moral imeti v primeru neskladnosti s to uredbo vedno pravico do začasne prekinitve trženja PRIIP na ozemlju svoje države članice.
The powers of EIOPA and the relevant competent authorities should be complemented by an explicit mechanism for prohibiting or restricting the marketing, distribution and sale of insurance-based investment products giving rise to serious concerns regarding investor protection, orderly functioning and integrity of financial markets, or the stability of the whole or part of the financial system, together with appropriate coordination and contingency powers for EIOPA.
Pooblastila EIOPA in ustreznih pristojnih organov bi bilo treba dopolniti z izrecnim mehanizmom za prepoved ali omejitev trženja, distribucije in prodaje zavarovalnih naložbenih produktov, pri katerih so resno ogroženi varstvo vlagateljev, pravilno delovanje in integriteta finančnih trgov ali stabilnost celotnega finančnega sistema ali njegovega dela, ter ustreznimi pooblastili EIOPA za usklajevanje in sprejemanje nujnih ukrepov.
Those powers should also reflect the powers conferred on ESMA and EBA under Regulation (EU) No 600/2014 of the European Parliament and of the Council [12] so as to ensure that such mechanisms for intervention can be applied for all investment products irrespective of their legal form.
Ta pooblastila bi morala vključevati tudi pooblastila, ki jih imata ESMA in EBA na podlagi Direktive (EU) št. 600/2014 Evropskega parlamenta in sveta [12], da se zagotovi uporaba takšnih intervencijskih mehanizmov za vse naložbene produkte, ne glede na njihovo pravno obliko.
The exercise of such powers by competent authorities and, in exceptional cases, by EIOPA should be subject to the need to fulfil a number of specific conditions.
Za izvajanje teh pooblastil s strani pristojnih organov in v izrednih primerih s strani EIOPA bi morali veljati posebni pogoji.
Where those conditions are met, the competent authority or, in exceptional cases, EIOPA should be able to impose a prohibition or restriction on a precautionary basis before an insurance-based investment product has been marketed, distributed or sold to investors.
Kadar so ti pogoji izpolnjeni, bi moral imeti pristojni organ ali, v izjemnih primerih, EIOPA možnost, da kot previdnostni ukrep uvede prepoved ali omejitev, preden se zavarovalni naložbeni produkt začne tržiti, distribuirati ali prodajati investitorjem.
Those powers do not imply any requirement to introduce or apply product approval or licensing by the competent authority or by EIOPA, and do not relieve the manufacturer of an insurance-based investment product of its responsibility to comply with all the relevant requirements of this Regulation.
Ta pooblastila ne pomenijo, da mora pristojni organ ali EIOPA uvesti ali uporabljati sistem odobritve produktov ali podeljevanja dovoljenj zanje, niti ne pomenijo, da proizvajalcu zavarovalnega naložbenega produkta ni treba izpolnjevati vseh ustreznih zahtev iz te uredbe.
Moreover, those powers should be used exclusively in the public interest and should not give rise to civil liability on the part of the competent authorities.
Poleg tega bi bilo treba ta pooblastila uporabljati izključno v javnem interesu in pristojni organi zanje ne bi smeli biti civilno odgovorni.
In order for the retail investor to be able to make an informed investment decision, persons advising on or selling PRIIPs should be required to provide the key information document in good time before any transaction is concluded.
Da lahko mali vlagatelj sprejme informirano naložbeno odločitev, bi morali osebe, ki PRIIP prodajajo ali o njih svetujejo, posredovati dokument s ključnimi informacijami pravočasno pred sklenitvijo vsake transakcije.
This requirement should apply irrespective of where or how the transaction takes place.
Ta zahteva bi morala veljati ne glede na kraj ali način izvedbe transakcije.
However, where the transaction is by means of distance communication, the key information document may be provided immediately after the transaction is concluded as long as it is not possible to provide the key information document in advance and the retail investor consents.
Kadar se transakcija izvede prek sredstva za sporazumevanje na daljavo, se dokument s ključnimi informacijami kljub temu lahko posreduje takoj po zaključeni transakciji, če ga ni mogoče posredovati vnaprej in če se mali vlagatelj s tem strinja.
Persons advising on, or selling, PRIIPs include intermediaries and the PRIIP manufacturers themselves where the PRIIP manufacturers choose to advise on, or sell, the PRIIP directly to retail investors.
Osebe, ki PRIIP prodajajo ali o njih svetujejo, vključujejo posrednike in same proizvajalce PRIIP, kadar se proizvajalci PRIIP odločijo za neposredno svetovanje o PRIIP ali prodajo PRIIP malim vlagateljem.
This Regulation is without prejudice to Directive 2000/31/EC of the European Parliament and of the Council [13] and to Directive 2002/65/EC of the European Parliament and of the Council [14].
Ta uredba ne posega v Direktivo 2000/31/ES Evropskega parlamenta in Sveta [13], in Direktivo 2002/65/ES Evropskega parlamenta in Sveta [14].
However, the retail investor should be given the option to receive it on paper.
V interesu dostopa potrošnikov do informacij bi bilo treba dokument s ključnimi informacijami vedno posredovati brezplačno.
In the interest of consumer access to information, the key information document should always be provided free of charge.
Da bi zagotovili zaupanje malih vlagateljev v PRIIP in finančne trge kot celoto, bi bilo treba določiti zahteve glede ustreznih notranjih postopkov, s katerimi bi zagotovili, da bi mali vlagatelji na pritožbe prejeli konkreten odgovor proizvajalca PRIIP.
To ensure the trust of retail investors in PRIIPs and in financial markets as a whole, requirements should be established for appropriate internal procedures which ensure that retail investors receive a substantive response from the PRIIP manufacturer to complaints.
Ker bi morali dokument s ključnimi informacijami za PRIIP pripraviti subjekti, ki delujejo v sektorjih bančništva, zavarovalništva, vrednostnih papirjev in skladov, je izjemno pomembno zagotoviti nemoteno sodelovanje med različnimi organi, ki nadzorujejo proizvajalce PRIIP in osebami, k i PRIIP prodajajo ali o njih svetujejo, da bodo imeli skupen pristop k uporabi te uredbe.
As the key information documents for PRIIPs should be produced by entities operating in the banking, insurance, securities and fund sectors of the financial markets, it is of utmost importance to ensure smooth cooperation between the various authorities supervising PRIIP manufacturers and persons advising on, or selling, PRIIPs so that they have a common approach to the application of this Regulation.
V skladu s sporočilom Komisije z dne 8. decembra 2010 z naslovom „Krepitev sistemov sankcij v sektorju finančnih storitev“ in da bi zagotovili izpolnjevanje zahtev iz te uredbe, je pomembno, da države članice sprejmejo potrebne ukrepe za zagotovitev ustreznih upravnih sankcij in ukrepov v primeru kršitev te uredbe.
In line with the Commission Communication of 8 December 2010 entitled 'Reinforcing sanctioning regimes in the financial services sector' and in order to ensure that the requirements of this Regulation are fulfilled, it is important that Member States take necessary steps to ensure that infringements of this Regulation are subject to appropriate administrative penalties and measures.
Da bi z opozarjanjem malih vlagateljev na PRIIP, ki se tržijo v nasprotju s to uredbo, zagotovili odvračilen učinek sankcij in izboljšali varstvo vlagateljev, bi bilo treba sankcije in ukrepe objavljati, razen v nekaterih natančno določenih okoliščinah.