natgillin/translations-raw huggingface dataset:
Payment institutions
poslovnim načrtom, vključno z izračunom predvidenega proračuna za prva tri poslovna leta, ki dokazuje, da je vložnik sposoben uporabljati ustrezne in sorazmerne sisteme, vire sredstev in postopke za zanesljivo poslovanje;
Section 1
dokazilom, da ima plačilna institucija zahtevani ustanovni kapital iz člena 7;
General rules
za plačilne institucije iz člena 10(1), opisom ukrepov za varovanje denarnih sredstev uporabnikov plačilnih storitev v skladu s členom 10;
Article 5
opisom upravljavske ureditve vložnika in mehanizmov notranjih kontrol, vključno z administrativnimi in računovodskimi postopki ter postopki upravljanja tveganj, ki dokazujejo, da so ta administrativna ureditev ter mehanizmi in postopki nadzora sorazmerni, ustrezni, zanesljivi in zadostni;
Applications for authorisation
opisom postopka, vzpostavljenega za spremljanje in reševanje varnostnih incidentov in z varnostjo povezanih pritožb strank ter naknadno ukrepanje v zvezi z njimi, vključno z mehanizmom za poročanje o incidentih, v katerem so upoštevane obveznosti plačilne institucije glede obveščanja iz člena 96;
For authorisation as a payment institution, an application shall be submitted to the competent authorities of the home Member State, together with the following:
opisom postopka, vzpostavljenega za beleženje, spremljanje, sledenje in omejevanje dostopa do občutljivih plačilnih podatkov;
a programme of operations setting out in particular the type of payment services envisaged;
opisom ureditve za zagotavljanje neprekinjenega poslovanja, vključno z jasno opredelitvijo ključnih operacij, učinkovitih načrtov ravnanja v nepredvidljivih okoliščinah ter postopkom za redno preizkušanje in preverjanje ustreznosti in učinkovitosti takih načrtov;
a business plan including a forecast budget calculation for the first 3 financial years which demonstrates that the applicant is able to employ the appropriate and proportionate systems, resources and procedures to operate soundly;
opisom načel in opredelitev, ki se uporabljajo za zbiranje statističnih podatkov o uspešnosti, transakcijah in goljufijah;
evidence that the payment institution holds initial capital as provided for in Article 7;
dokumentom o varnostni strategiji, vključno s podrobno oceno tveganj v zvezi s plačilnimi storitvami ter opisom varnostnih ukrepov za nadzor nad tveganji in njihovo zmanjšanje, sprejetih za ustrezno zaščito uporabnikov plačilnih storitev pred ugotovljenimi tveganji, vključno z goljufijami ter nezakonito uporabo občutljivih in osebnih podatkov;
for the payment institutions referred to in Article 10(1), a description of the measures taken for safeguarding payment service users’ funds in accordance with Article 10;
za plačilne institucije, za katere veljajo obveznosti v zvezi s pranjem denarja in financiranjem terorizma na podlagi Direktive (EU) 2015/849 Evropskega parlamenta in Sveta [32] in Uredbe (EU) 2015/847 Evropskega parlamenta in Sveta [33], opisom mehanizmov notranje kontrole, ki jih je vzpostavil vložnik zaradi izpolnjevanja navedenih obveznosti;
a description of the applicant’s governance arrangements and internal control mechanisms, including administrative, risk management and accounting procedures, which demonstrates that those governance arrangements, control mechanisms and procedures are proportionate, appropriate, sound and adequate;
opisom vložnikove organizacijske strukture, vključno z opisom, kadar je to primerno, nameravane uporabe zastopnikov in podružnic ter nadzornih pregledov v njihovih prostorih in zunaj njih, ki se jih vložnik zaveže opraviti pri zastopnikih in podružnicah vsaj enkrat letno, kot tudi dogovorov o zunanjih izvajalcih, ter vložnikovega sodelovanja v nacionalnem ali mednarodnem plačilnem sistemu;
a description of the procedure in place to monitor, handle and follow up a security incident and security related customer complaints, including an incidents reporting mechanism which takes account of the notification obligations of the payment institution laid down in Article 96;
identiteto oseb, ki imajo pri vložniku neposredno ali posredno kvalificirane deleže v smislu točke (36) člena 4(1) Uredbe (EU) št. 575/2013, velikost njihovih deležev ter dokazilo o primernosti imetnikov deležev, pri čemer je treba zagotoviti varno in skrbno upravljanje plačilne institucije;
a description of the process in place to file, monitor, track and restrict access to sensitive payment data;
identiteto direktorjev in oseb, odgovornih za upravljanje plačilne institucije, ter, kadar je primerno, oseb, odgovornih za vodenje poslov plačilne institucije v zvezi s plačilnimi storitvami, ter dokazila, da imajo te osebe ugled ter ustrezno znanje in izkušnje pri opravljanju plačilnih storitev v skladu s predpisi matične države članice plačilne institucije;
a description of business continuity arrangements including a clear identification of the critical operations, effective contingency plans and a procedure to regularly test and review the adequacy and efficiency of such plans;
kadar je primerno, navedbo zakonitih revizorjev in revizijskih podjetij, kakor so opredeljeni v Direktivi 2006/43/ES Evropskega parlamenta in Sveta [34];
a description of the principles and definitions applied for the collection of statistical data on performance, transactions and fraud;
pravnim statusom in ustanovnim aktom vložnika;
a security policy document, including a detailed risk assessment in relation to its payment services and a description of security control and mitigation measures taken to adequately protect payment service users against the risks identified, including fraud and illegal use of sensitive and personal data;
naslovom glavnega sedeža vložnika.
for payment institutions subject to the obligations in relation to money laundering and terrorist financing under Directive (EU) 2015/849 of the European Parliament and of the Council [31] and Regulation (EU) 2015/847 of the European Parliament and of the Council [32], a description of the internal control mechanisms which the applicant has established in order to comply with those obligations;
Za namene točk (d), (e), (f) in (l) prvega pododstavka vložnik zagotovi opis revizijskih postopkov in organizacijskih ureditev, ki jih je vzpostavil z namenom, da bi zagotovil vse razumne ukrepe za zavarovanje interesov svojih uporabnikov ter neprekinjeno in zanesljivo izvajanje plačilnih storitev.
a description of the applicant’s structural organisation, including, where applicable, a description of the intended use of agents and branches and of the off-site and on-site checks that the applicant undertakes to perform on them at least annually, as well as a description of outsourcing arrangements, and of its participation in a national or international payment system;
V opisu varnostnih ukrepov za nadzor nad tveganji in njihovo zmanjšanje iz točke (j) prvega pododstavka se navede, na kakšen način ti ukrepi zagotavljajo visoko raven tehnične varnost in varstva podatkov, med drugim za programsko opremo in informacijske sisteme, ki jih uporabljajo vložnik ali zunanji izvajalci, ki v celoti ali delno opravljajo dejavnosti zanj.
the identity of persons holding in the applicant, directly or indirectly, qualifying holdings within the meaning of point (36) of Article 4(1) of Regulation (EU) No 575/2013, the size of their holdings and evidence of their suitability taking into account the need to ensure the sound and prudent management of a payment institution;
Navedeni ukrepi vključujejo tudi varnostne ukrepe iz člena 95(1).
the identity of directors and persons responsible for the management of the payment institution and, where relevant, persons responsible for the management of the payment services activities of the payment institution, as well as evidence that they are of good repute and possess appropriate knowledge and experience to perform payment services as determined by the home Member State of the payment institution;
V navedenih ukrepih se upoštevajo smernice EBA o varnostnih ukrepih iz člena 95(3), ko bodo pripravljene.
where applicable, the identity of statutory auditors and audit firms as defined in Directive 2006/43/EC of the European Parliament and of the Council [33];
Države članice kot pogoj za pridobitev dovoljenja od podjetij, ki zaprosijo za dovoljenje za opravljanje plačilnih storitev iz točke (7) Priloge I, zahtevajo sklenjeno zavarovanje poklicne odgovornosti, ki zajema ozemlja, na katerih ponujajo svoje storitve, ali drugo primerljivo jamstvo za kritje odgovornosti, ki bi zagotovilo kritje svoje odgovornosti iz členov 73, 89, 90 in 92.
the applicant’s legal status and articles of association;
Države članice kot pogoj za registracijo od podjetij, ki zaprosijo za registracijo za opravljanje plačilnih storitev iz točke (8) Priloge I zahtevajo sklenjeno zavarovanje poklicne odgovornosti, ki zajema ozemlja, na katerih ponujajo svoje storitve, ali drugo primerljivo jamstvo za kritje svoje odgovornosti do ponudnikov plačilnih storitev, ki vodijo račune, ali uporabnikov plačilnih storitev zaradi neodobrenega ali goljufivega dostopa do informacij o plačilnih računih oziroma neodobrene ali goljufive uporabe teh informacij.
the address of the applicant’s head office.
EBA po posvetovanju z vsemi zadevnimi deležniki, tudi s tistimi na trgu plačilnih storitev, da bi tako upošteval vse zadevne interese, do 13. januarja 2017 za pristojne organe pripravi smernice v skladu s členom 16 Uredbe (EU) št. 1093/2010 glede meril za način določitve najnižjega denarnega zneska zavarovanja poklicne odgovornosti ali primerljivega jamstva iz odstavkov 2 in 3.
For the purposes of points (d), (e) (f) and (l) of the first subparagraph, the applicant shall provide a description of its audit arrangements and the organisational arrangements it has set up with a view to taking all reasonable steps to protect the interests of its users and to ensure continuity and reliability in the performance of payment services.
Pri pripravi smernic iz prvega pododstavka EBA upošteva naslednje:
The security control and mitigation measures referred to in point (j) of the first subparagraph shall indicate how they ensure a high level of technical security and data protection, including for the software and IT systems used by the applicant or the undertakings to which it outsources the whole or part of its operations.
profil tveganja podjetja;
Those measures shall also include the security measures laid down in Article 95(1).
ali podjetje opravlja druge plačilne storitve iz Priloge I ali opravlja druge dejavnosti;
Those measures shall take into account EBA’s guidelines on security measures as referred to in Article 95(3) when in place.
obseg dejavnosti:
Member States shall require undertakings that apply for authorisation to provide payment services as referred to in point (7) of Annex I, as a condition of their authorisation, to hold a professional indemnity insurance, covering the territories in which they offer services, or some other comparable guarantee against liability to ensure that they can cover their liabilities as specified in Articles 73, 89, 90 and 92.
pri podjetjih, ki zaprosijo za dovoljenje za opravljanje plačilnih storitev iz točke (7) Priloge I, vrednost transakcij, ki se odredijo;
Member States shall require undertakings that apply for registration to provide payment services as referred to in point (8) of Annex I, as a condition of their registration, to hold a professional indemnity insurance covering the territories in which they offer services, or some other comparable guarantee against their liability vis-à-vis the account servicing payment service provider or the payment service user resulting from non-authorised or fraudulent access to or non-authorised or fraudulent use of payment account information.
pri podjetjih, ki zaprosijo za registracijo za opravljanje plačilnih storitev iz točke (8) Priloge I, število strank, ki uporabljajo storitve zagotavljanja informacij o računih;
By 13 January 2017, EBA shall, after consulting all relevant stakeholders, including those in the payment services market, reflecting all interests involved, issue guidelines, addressed to the competent authorities, in accordance with Article 16 of Regulation (EU) No 1093/2010 on the criteria on how to stipulate the minimum monetary amount of the professional indemnity insurance or other comparable guarantee referred to in paragraphs 2 and 3.
posebne značilnosti primerljivih jamstev in merila za njihovo uveljavljanje.
In developing the guidelines referred to in the first subparagraph, EBA shall take account of the following:
EBA te smernice redno pregleduje.
the risk profile of the undertaking;
EBA po posvetovanju z vsemi zadevnimi deležniki, tudi s tistimi na trgu plačilnih storitev, da bi tako upošteval vse zadevne interese, do 13. julija 2017 pripravi smernice v skladu s členom 16 Uredbe (EU) št. 1093/2010 glede informacij, ki jih plačilne institucije v vlogi za izdajo dovoljenja predložijo pristojnim organom, vključno z zahtevami iz točk (a), (b), (c), (e) in (g) do (j) prvega pododstavka odstavka 1 tega člena.
whether the undertaking provides other payment services as referred to in Annex I or is engaged in other business;
EBA redno pregleduje navedene smernice, v vsakem primeru pa vsaj vsaka tri leta.
the size of the activity:
Ob upoštevanju izkušenj, pridobljenih pri uporabi smernic iz odstavka 5, kadar je to primerno, lahko EBA pripravi osnutke regulativnih tehničnih standardov, v katerih določi informacije, ki jih plačilne institucije v vlogi za izdajo dovoljenja predložijo pristojnim organom, vključno z zahtevami iz točk (a), (b), (c), (e) in (g) do (j) odstavka 1.
for undertakings that apply for authorisation to provide payment services as referred to in point (7) of Annex I, the value of the transactions initiated;
Na Komisijo se prenese pooblastilo za sprejetje regulativnih tehničnih standardov iz prvega pododstavka v skladu s členi 10 do 14 Uredbe (EU) št. 1093/2010.
for undertakings that apply for registration to provide payment services as referred to in point (8) of Annex I, the number of clients that make use of the account information services;
Pristojni organi so v skladu z odstavkom 1 uradno obveščeni o informacijah iz odstavka 4.
the specific characteristics of comparable guarantees and the criteria for their implementation.
Člen 6
EBA shall review those guidelines on a regular basis.
Nadzor nad deleži
By 13 July 2017, EBA shall, after consulting all relevant stakeholders, including those in the payment services market, reflecting all interests involved, issue guidelines in accordance with Article 16 of Regulation (EU) No 1093/2010 concerning the information to be provided to the competent authorities in the application for the authorisation of payment institutions, including the requirements laid down in points (a), (b), (c), (e) and (g) to (j) of the first subparagraph of paragraph 1 of this Article.
Vsaka fizična ali pravna oseba, ki sklene neposredno ali posredno pridobiti ali povečati kvalificirani delež v plačilni instituciji v smislu točke (36) člena 4(1) Uredbe (EU) št. 575/2013, s čimer bi njen delež kapitala ali delež glasovalnih pravic dosegel ali presegel 20 %, 30 % ali 50 % ali bi plačilna institucija postala njena podrejena družba, o svoji nameri vnaprej pisno obvesti pristojne organe navedene plačilne institucije.
EBA shall review those guidelines on a regular basis and in any event at least every 3 years.
Enako velja za vsako fizično ali pravno osebo, ki sklene neposredno ali posredno prodati svoj kvalificirani delež ali ga zmanjšati, tako da bi se njen delež kapitala ali delež glasovalnih pravic zmanjšal pod 20 %, 30 % ali 50 % ali da bi plačilna institucija prenehala biti njena podrejena družba.
Taking into account, where appropriate, experience acquired in the application of the guidelines referred to in paragraph 5, EBA may develop draft regulatory technical standards specifying the information to be provided to the competent authorities in the application for the authorisation of payment institutions, including the requirements laid down in points (a), (b), (c), (e) and (g) to (j) of paragraph 1.
Predlagani pridobitelj kvalificiranega deleža pristojnemu organu predloži informacije, ki navajajo velikost nameravanega deleža in relevantne informacije v skladu s členom 23(4) Direktive 2013/36/EU.
Power is delegated to the Commission to adopt the regulatory technical standards referred to in the first subparagraph in accordance with Articles 10 to 14 of Regulation (EU) No 1093/2010.
Kadar obstaja možnost, da bi vpliv predlaganega pridobitelja iz odstavka 2 lahko škodil preudarnemu in skrbnemu upravljanju institucije, države članice od pristojnih organov zahtevajo, da izrazijo svoje nasprotovanje ali sprejmejo druge ustrezne ukrepe za odpravo te situacije.
The information referred to in paragraph 4 shall be notified to competent authorities in accordance with paragraph 1.
Med takšnimi ukrepi so lahko sodne odredbe, kazni proti direktorjem ali osebam, odgovornim za upravljanje, ali začasne prepovedi uveljavljanja glasovalnih pravic, ki izhajajo iz delnic v lasti delničarjev ali družbenikov zadevne plačilne institucije.
Article 6
Podobni ukrepi se uporabljajo za fizične ali pravne osebe, ki ne izpolnjujejo obveznosti o predložitvi predhodnih informacij, kot je določeno v tem členu.
Control of the shareholding
Če se delež pridobi kljub nasprotovanju pristojnih organov, države članice ne glede na morebitne druge kazni, ki bodo sprejete, zagotovijo možnost začasne prepovedi uveljavljanja ustreznih glasovalnih pravic, neveljavnost oddanih glasov ali možnost razveljavitve teh glasov.
Any natural or legal person who has taken a decision to acquire or to further increase, directly or indirectly, a qualifying holding within the meaning of point (36) of Article 4(1)of Regulation (EU) No 575/2013 in a payment institution, as a result of which the proportion of the capital or of the voting rights held would reach or exceed 20 %, 30 % or 50 %, or so that the payment institution would become its subsidiary, shall inform the competent authorities of that payment institution in writing of their intention in advance.
Člen 7
The same applies to any natural or legal person who has taken a decision to dispose, directly or indirectly, of a qualifying holding, or to reduce its qualifying holding so that the proportion of the capital or of the voting rights held would fall below 20 %, 30 % or 50 %, or so that the payment institution would cease to be its subsidiary.
Ustanovni kapital
The proposed acquirer of a qualifying holding shall supply to the competent authority information indicating the size of the intended holding and relevant information referred to in Article 23(4) of Directive 2013/36/EU.
Države članice od plačilnih institucij zahtevajo, da imajo v času izdaje dovoljenja ustanovni kapital, ki zajema eno ali več postavk iz člena 26(1)(a) do (e) Uredbe (EU) št. 575/2013, in sicer:
Member States shall require that where the influence exercised by a proposed acquirer, as referred to in paragraph 2 is likely to operate to the detriment of the prudent and sound management of the payment institution, the competent authorities shall express their opposition or take other appropriate measures to bring that situation to an end.
kadar plačilna institucija opravlja le plačilne storitve iz točke (6) Priloge I, njen kapital nikoli ne sme biti manjši od 20000 EUR;
Such measures may include injunctions, penalties against directors or the persons responsible for the management, or the suspension of the exercise of the voting rights attached to the shares held by the shareholders or members of the payment institution in question.
kadar plačilna institucija opravlja plačilne storitve iz točke (7) Priloge I, njen kapital nikoli ne sme biti manjši od 50000 EUR;
Similar measures shall apply to natural or legal persons who fail to comply with the obligation to provide prior information, as laid down in this Article.
kadar plačilna institucija opravlja katero koli plačilno storitev iz točk (1) do (5) Priloge I, njen kapital nikoli ne sme biti manjši od 125000 EUR.
If a holding is acquired despite the opposition of the competent authorities, Member States shall, regardless of any other penalty to be adopted, provide for the exercise of the corresponding voting rights to be suspended, the nullity of votes cast or the possibility of annulling those votes.
Člen 8
Article 7
Kapital
Initial capital
Kapital plačilne institucije ne sme biti nižji od višjega zneska izmed zneskov ustanovnega kapitala iz člena 7 ali zneska kapitala izračunanega v skladu s členom 9.
Member States shall require payment institutions to hold, at the time of authorisation, initial capital, comprised of one or more of the items referred to in Article 26(1)(a) to (e) of Regulation (EU) No 575/2013 as follows:
Države članice sprejmejo ustrezne ukrepe za preprečitev večkratne uporabe elementov, ki so sprejemljivi kot kapital, kadar plačilna institucija spada v isto skupino kot druga plačilna institucija, kreditna institucija, investicijska družba, družba za upravljanje premoženja ali zavarovalnica.
where the payment institution provides only the payment service as referred to in point (6) of Annex I, its capital shall at no time be less than EUR 20000;
Ta odstavek se uporablja tudi, kadar ima plačilna institucija hibridni značaj in opravlja dejavnosti, ki niso plačilne storitve.
where the payment institution provides the payment service as referred to in point (7) of Annex I, its capital shall at no time be less than EUR 50000;
Če so izpolnjeni pogoji iz člena 7 Uredbe (EU) št. 575/2013, državam članicam ali njihovim pristojnim organom ni treba uporabljati člena 9 te direktive za plačilne institucije, ki so v skladu z Direktivo 2013/36/EU vključene v konsolidirani nadzor nadrejene kreditne institucije.
where the payment institution provides any of the payment services as referred to in points (1) to (5) of Annex I, its capital shall at no time be less than EUR 125000.
Člen 9
Article 8
Izračun kapitala
Own funds
Ne glede na zahteve glede ustanovnega kapitala iz člena 7 države članice od plačilnih institucij, razen tistih, ki ponujajo le storitve iz točke (7) ali (8) Priloge I, ali iz obeh točk, zahtevajo, da imajo vedno kapital, izračunan na podlagi ene od naslednjih treh metod, ki jo v skladu z nacionalno zakonodajo določijo pristojni organi:
The payment institution’s own funds, shall not fall below the amount of initial capital as referred to in Article 7 or the amount of own funds as calculated in accordance with Article 9 of this Directive, whichever is the higher.
Metoda A
Member States shall take the necessary measures to prevent the multiple use of elements eligible for own funds where the payment institution belongs to the same group as another payment institution, credit institution, investment firm, asset management company or insurance undertaking.
Kapital plačilne institucije mora znašati najmanj 10 % njenih stalnih splošnih stroškov iz preteklega leta.
This paragraph shall also apply where a payment institution has a hybrid character and carries out activities other than providing payment services.
Pristojni organi lahko to zahtevo prilagodijo v primeru bistvene spremembe v poslovanju plačilne institucije glede na preteklo leto.
If the conditions laid down in Article 7 of Regulation (EU) No 575/2013 are met, Member States or their competent authorities may choose not to apply Article 9 of this Directive to payment institutions which are included in the consolidated supervision of the parent credit institution pursuant to Directive 2013/36/EU.
Kadar plačilna institucija na dan izračuna posluje manj kot leto dni, mora njen kapital znašati najmanj 10 % višine ustreznih stalnih splošnih stroškov, predvidenih v njenem poslovnem načrtu, razen če pristojni organi zahtevajo prilagoditev tega načrta.
Article 9
Metoda B
Calculation of own funds
Kapital plačilne institucije mora biti enak najmanj vsoti naslednjih elementov, pomnoženi s faktorjem za uravnoteženje „k“, opredeljenim v odstavku 2, pri čemer obseg plačil predstavlja eno dvanajstino skupnega zneska plačilnih transakcij, ki jih je v preteklem letu izvršila plačilna institucija: