natgillin/translations-raw huggingface dataset:
Insurance distributors shall have in place product distribution arrangements containing appropriate measures and procedures to obtain from the manufacturer all appropriate information on the insurance products they intend to offer to their customers and to fully comprehend those insurance products, taking into account the level of complexity and the risks related to the products as well as the nature, scale and complexity of the relevant business of the distributor.
Distributerji zavarovalnih produktov imajo vzpostavljene ureditve za distribucijo produktov, vključno z ustreznimi ukrepi in postopki, ki jim omogočajo, da od proizvajalca pridobijo vse ustrezne informacije o zavarovalnih produktih, ki jih nameravajo ponuditi svojim strankam, ter da v celoti razumejo navedene zavarovalne produkte, pri čemer upoštevajo ravni zahtevnosti in tveganj, povezanih s produkti, ter vrste, obseg in kompleksnost zadevnega poslovanja distributerja.
Insurance distributors shall set out the product distribution arrangements in a written document and make it available to their relevant staff.
Distributerji zavarovalnih produktov ureditve za distribucijo produktov določijo v pisnem dokumentu, ki ga dajo na voljo svojemu ustreznemu osebju.
The product distribution arrangements shall:
Z ureditvami za distribucijo produktov:
aim to prevent and mitigate customer detriment;
naj bi se preprečila in ublažila škoda za stranke;
support a proper management of conflicts of interest;
se podpre ustrezno obvladovanje nasprotij interesov;
ensure that the objectives, interests and characteristics of customers are duly taken into account.
se zagotovi, da se ustrezno upoštevajo cilji, interesi in značilnosti strank.
The product distribution arrangements shall ensure that the insurance distributors obtain from the manufacturer the information to be communicated under Article 8(2).
Z ureditvami za distribucijo produktov se zagotovi, da distributerji zavarovalnih produktov od proizvajalcev pridobijo informacije, ki jih je treba sporočiti na podlagi člena 8(2).
Any specific distribution strategy set up or applied by insurance distributors shall be in accordance with the distribution strategy set up and the target market identified by the manufacturer.
Vsaka specifična distribucijska strategija, ki jo vzpostavijo ali uporabijo distributerji zavarovalnih produktov, je v skladu z distribucijsko strategijo, ki jo je vzpostavil proizvajalec, in ciljnim trgom, ki ga je opredelil proizvajalec.
The insurance distributors' body or structure responsible for insurance distribution shall endorse and be ultimately responsible for establishing, implementing and reviewing the product distribution arrangements and continuously verify internal compliance with those arrangements.
Organ ali struktura proizvajalca, ki je odgovoren za distribucijo zavarovalnih produktov, potrdi in je končno odgovoren za vzpostavitev, izvajanje in pregledovanje ureditev za distribucijo produktov ter stalno preverja notranjo skladnost z navedenimi ureditvami.
Insurance distributors shall regularly review their product distribution arrangements to ensure that those arrangements are still valid and up to date.
Distributerji zavarovalnih produktov redno pregledujejo svoje ureditve za distribucijo produktov, s čimer zagotovijo, da so navedene ureditve še vedno veljavne in posodobljene.
They shall amend product distribution arrangements where appropriate.
Po potrebi te ureditve spremenijo.
Insurance distributors that have set up or apply a specific distribution strategy shall, where appropriate, amend that strategy in view of the outcome of the review of the product distribution arrangements.
Distributerji zavarovalnih produktov, ki so vzpostavili ali uporabljajo posebno distribucijsko strategijo, po potrebi spremenijo navedeno strategijo, in sicer na podlagi rezultata pregleda ureditev za distribucijo produktov.
When reviewing their product distribution arrangements, insurance distributors shall verify that the insurance products are distributed to the identified target market.
Distributerji zavarovalnih produktov pri pregledu svojih ureditev za distribucijo produktov preverijo, ali se zavarovalni produkti distribuirajo na opredeljenem ciljnem trgu.
Insurance distributors shall determine the appropriate intervals for the regular review of their product distribution arrangements, thereby taking into account the size, scale and complexity of the different insurance products involved.
Distributerji zavarovalnih produktov določijo ustrezne intervale za redno pregledovanje svojih ureditev za distribucijo produktov, pri čemer upoštevajo vrednost, obseg in kompleksnost različnih zadevnih zavarovalnih produktov.
To support product reviews carried out by manufacturers, insurance distributors shall upon request provide manufacturers with relevant sales information, including, where appropriate, information on the regular reviews of the product distribution arrangements.
Da bi podprli preglede produktov, ki jih izvedejo proizvajalci, distributerji zavarovalnih produktov proizvajalcem na zahtevo predložijo ustrezne informacije o prodaji, ki po potrebi vključujejo informacije o rednih pregledih ureditev za distribucijo produktov.
Informing the manufacturer
Obveščanje proizvajalca
Insurance distributors becoming aware that an insurance product is not in line with the interests, objectives and characteristics of its identified target market or becoming aware of other product-related circumstances that may adversely affect the customer shall promptly inform the manufacturer and, where appropriate, amend their distribution strategy for that insurance product.
Distributerji zavarovalnih produktov, ki ugotovijo, da zavarovalni produkt ni v skladu z interesi, cilji in značilnostmi njegovega opredeljenega ciljnega trga ali se seznanijo z drugimi okoliščinami, povezanimi s produktom, ki bi lahko škodljivo vplivale na stranko, o tem takoj obvestijo proizvajalca in po potrebi spremenijo svojo distribucijsko strategijo za navedeni zavarovalni produkt.
Relevant actions taken by insurance distributors in relation to their product distribution arrangements shall be duly documented, kept for audit purposes and made available to the competent authorities upon request.
Ustrezni ukrepi, ki jih distributerji zavarovalnih produktov sprejmejo v zvezi s svojimi ureditvami za distribucijo produkta, se ustrezno dokumentirajo, vodijo za revizijo in se na zahtevo dajo na voljo pristojnim organom.
It shall apply from 23 February 2018.
Uporablja se od 23. februarja 2018.
Regulation (EU) No 1094/2010 of the European Parliament and of the Council of 24 November 2010 establishing a European Supervisory Authority (European Insurance and Occupational Pensions Authority), amending Decision No 716/2009/EC and repealing Commission Decision 2009/79/EC (OJ L 331, 15.12.2010, p. 48).
Strokovni nasvet o morebitnih delegiranih aktih v zvezi z direktivo o distribuciji zavarovalnih produktov, EIOPA-17/048, 1. februar 2017, na voljo na naslovu: https://eiopa.europa.eu/Publications/Consultations/EIOPA%20Technical%20Advice%20on%20the%20IDD.pdf#search=Technical%20Advice%2017%2F048.
Technical Advice on possible delegated acts concerning the Insurance Distribution Directive, EIOPA-17/048, 1 February 2017, available here: https://eiopa.europa.eu/Publications/Consultations/EIOPA%20Technical%20Advice%20on%20the%20IDD.pdf.
Uredba (EU) št. 1094/2010 Evropskega parlamenta in Sveta z dne 24. novembra 2010 o ustanovitvi Evropskega nadzornega organa (Evropski organ za zavarovanja in poklicne pokojnine) in o spremembi Sklepa št. 716/2009/ES ter razveljavitvi Sklepa Komisije 2009/79/ES (UL L 331, 15.12.2010, str. 48).
supplementing Directive (EU) 2016/97 of the European Parliament and of the Council with regard to information requirements and conduct of business rules applicable to the distribution of insurance-based investment products
o dopolnitvi Direktive (EU) 2016/97 Evropskega parlamenta in Sveta v zvezi z zahtevami po informacijah in pravil poslovanja, ki veljajo za distribucijo zavarovalnih naložbenih produktov
Directive (EU) 2016/97 provides for a set of specific standards aimed at addressing insurance-based investment products, in addition to the conduct of business standards laid down for all insurance products.
Zadevna pooblastila se nanašajo na pravila o nasprotjih interesov, spodbudah ter oceni primernosti in ustreznosti.
Directive (EU) 2016/97 empowers the Commission to adopt delegated acts to further specify criteria and practical details for the application of that specific set of rules.
Da se zagotovi skladna uporaba določb, sprejetih na podlagi navedenih pooblastil, in se zagotovi, da se udeležencem na trgu, pristojnim organom in vlagateljem omogočita celovito razumevanje in lahek dostop do navedenih določb, je zaželeno, da se vključijo v en sam pravni akt.
The relevant empowerments concern the rules on conflicts of interest, on inducements and on the assessment of suitability and appropriateness.
Oblika uredbe zagotavlja skladen okvir za vse upravljavce trga in je najboljše možno jamstvo za usklajeno področje delovanja, enotne konkurenčne pogoje in ustrezno raven varstva potrošnikov.
To ensure the coherent application of the provisions adopted on the basis of those empowerments and to ensure that market participants and competent authorities as well as investors are provided with a comprehensive understanding and easy access to those provisions, it is desirable to include them in a single legal act.
Okoliščine in situacije, ki jih je treba upoštevati pri določanju vrst nasprotij interesov, ki bi lahko škodovala interesom strank ali potencialnih strank, bi morale zajemati primere, v katerih je verjetno, da bo imel zavarovalni posrednik ali zavarovalnica finančno korist ali se izognil finančni izgubi v škodo stranke.
The form of a Regulation ensures a coherent framework for all market operators and is the best possible guarantee for a level playing field, uniform conditions of competition and an appropriate standard of consumer protection.
Vendar v takih primerih ne bi smelo zadoščati, da zavarovalni posrednik ali zavarovalnica lahko pridobi korist, če to nima škodljivega vpliva na stranko, ali da lahko ena stranka, ki ji mora zavarovalni posrednik ali zavarovalnica izplačati dajatev, pridobi korist ali se izogne izgubi, ne da bi to sočasno škodljivo vplivalo na drugo tako stranko.
The circumstances and situations to be taken into account for the purposes of determining the types of conflicts of interest which may damage the interests of customers or potential customers should cover cases where the insurance intermediary or insurance undertaking is likely to make a financial gain or avoid a financial loss to the detriment to the customer.
Da bi se izognili nepotrebnim upravnim bremenom in bi se hkrati zagotovila ustrezna raven varstva strank, bi bilo treba organizacijske ukrepe in postopke za obvladovanje nasprotij interesov skrbno prilagoditi velikosti in dejavnostim zavarovalnega posrednika ali zavarovalnice in skupine, ki ji morda pripada, ter tveganju škodovanja interesom strank.
However, in such situations, it should not be sufficient that the insurance intermediary or insurance undertaking may realise a benefit if this does not result specifically in a detrimental impact for the customer, or that one customer to whom the insurance intermediary or insurance undertaking owes a duty may make a gain or avoid a loss without there being a concomitant detrimental impact to another such customer.
Pripraviti bi bilo treba neizčrpen seznam možnih ukrepov in postopkov, da se zavarovalnim posrednikom in zavarovalnicam zagotovijo smernice glede ukrepov in postopkov, ki bi jih bilo treba običajno upoštevati pri obvladovanju nasprotij interesov.
To avoid unnecessary administrative burdens while ensuring an appropriate level of customer protection, the organisational measures and procedures to manage conflicts of interest should be carefully adapted to the size and activities of the insurance intermediary or insurance undertaking and of the group to which they may belong, and to the risk of damage to the interests of the customer.
Predlagani ukrepi in postopki zaradi raznolikosti poslovnih modelov morda ne bodo ustrezali vsem zavarovalnim posrednikom in zavarovalnicam.
A non-exhaustive list of possible measures and procedures should be laid down in order to give guidance to insurance intermediaries and insurance undertakings as regards the measures and procedures that should normally be taken into consideration to manage conflicts of interests.
Zlasti morda ne bodo primerni za male zavarovalne posrednike in njihovo omejeno poslovanje.
Because of the variety of business models the proposed measures and procedures might not be of relevance for all insurance intermediaries and insurance undertakings.
V takih primerih bi morali imeti zavarovalni posredniki ali zavarovalnice možnost, da sprejmejo alternativne ukrepe in postopke, ki so v njihovem posebnem položaju primernejši za zagotavljanje, da se dejavnosti distribucije izvajajo v skladu z najboljšimi interesi stranke.
They might, in particular, not be appropriate for small insurance intermediaries and their limited scope of business.
Kadar se na podlagi Direktive (EU) 2016/97 zahteva razkritje specifičnih nasprotij interesov, bi to moralo biti skrajno sredstvo, ki se uporabi samo, kadar organizacijske in upravne ureditve ne zadoščajo za zagotavljanje s primerno stopnjo verjetnosti, da se bo nevarnost škodovanja interesom strank preprečila, saj lahko čezmerno zanašanje na razkritje povzroči pomanjkanje učinkovite zaščite interesov stranke.
In such cases, insurance intermediaries or insurance undertakings should be able to adopt alternative measures and procedures that are more suitable to ensure, in their particular situation, that the distribution activities are carried out in accordance with the best interest of the customer.
Zavarovalni posrednik ali zavarovalnica, ki razkrije nasprotja interesov, ne more biti izvzet iz obveznosti ohranjanja in upravljanja organizacijskih in upravnih ureditev, ki so najbolj učinkovito sredstvo za preprečevanje škode za stranke.
While disclosure of specific conflicts of interest is required under Directive (EU) 2016/97, it should be a measure of last resort to be used only where the organisational and administrative arrangements are not sufficient to ensure, with reasonable confidence, that risks of damage to the interests of the customer will be prevented since over-reliance on disclosure may result in a lack of effective protection of the customer's interests.
Da bi se olajšalo izvajanje standardov iz direktive v praksi, bi bilo treba podrobneje določiti merila za oceno spodbud, ki jih plačajo ali prejmejo zavarovalni posredniki ali zavarovalnice.
The disclosure of conflicts of interest by an insurance intermediary or an insurance undertaking cannot exempt it from the obligation to maintain and operate the organisational and administrative arrangements which are the most effective means of preventing damage to customers.
Zato bi bilo treba kot smernice zagotoviti neizčrpni seznam meril, ki veljajo za pomembna za presojo morebitnega škodljivega vpliva na kakovost storitve za stranko, da se zagotovi ustrezen standard varstva strank.
To facilitate the practical implementation of the standards set by the Directive, the criteria for the assessment of inducements paid or received by insurance intermediaries and insurance undertakings should be set out in more detail.
Ocena primernosti iz člena 30(1) Direktive (EU) 2016/97 in ocena ustreznosti iz člena 30(2) navedene direktive imata različni področji uporabe, kar zadeva dejavnosti distribucije, na katere se nanašata, ter različne funkcije in značilnosti.
For this purpose, a non-exhaustive list of criteria deemed relevant for the assessment of a possible detrimental impact on the quality of the service to the customer should be provided as guidance to ensure an appropriate standard of customer protection.
Zato je treba jasno določiti standarde in zahteve, ki jih je treba izpolniti pri pridobivanju informacij, ki se potrebujejo za vsako od navedenih ocen in pri izvajanju teh ocen.
The suitability assessment set out in Article 30(1) of Directive (EU) 2016/97 and the appropriateness assessment set out in Article 30(2) of that Directive are different in scope with regard to the distribution activities to which they relate, and have different functions and characteristics.
Pojasniti bi bilo treba tudi, da oceni primernosti in ustreznosti ne posegata v obveznost zavarovalnih posrednikov in zavarovalnic, da pred sklenitvijo vsake zavarovalne pogodbe na podlagi informacij, ki jih pridobijo od stranke, določijo zahteve in potrebe navedene stranke.
It is therefore necessary to clearly specify the standards and requirements to be complied with in obtaining the information required for each of those assessments and in conducting the assessments.
Oceno primernosti bi bilo treba opraviti ne le v zvezi s priporočili za nakup zavarovalnega naložbenega produkta, ampak za vsa osebna priporočila, podana v življenjski dobi navedenega produkta, saj takšne okoliščine lahko pomenijo nasvet o finančnih poslih, ki bi moral temeljiti na natančni analizi znanja, izkušenj in finančnega položaja posamezne stranke.
It should also be clarified that the assessments of suitability and appropriateness are without prejudice to the obligation, for insurance intermediaries and insurance undertakings, to specify, prior to the conclusion of any insurance contract, on the basis of information obtained from the customer, the demands and needs of that customer.
Potreba po oceni primernosti je zlasti tehtna pri odločitvah o zamenjavi osnovnega naložbenega sredstva oziroma o zadržanju ali prodaji zavarovalnega naložbenega produkta.
The suitability assessment should be performed not only in relation to recommendations to buy an insurance-based investment product, but for all personal recommendations made during the life-time of that product, as such situations may imply advice on financial transactions which should be based on a thorough analysis of the knowledge and experience and the financial situation of the individual customer.
Ponudba zavarovalnih naložbenih produktov na trgu je večinoma odvisna od izbranega osnovnega naložbenega sredstva, zato je lahko tak produkt neprimeren za stranko ali potencialno stranko zaradi tveganj navedenih sredstev, vrste ali značilnosti produkta ali pogostosti zamenjave osnovnega naložbenega sredstva.
The need for a suitability assessment is particularly strong as regards decisions to switch the underlying investment assets or to hold or sell an insurance-based investment product.
Neprimeren je lahko tudi, če bi portfelj osnovnih naložb postal neprimeren zaradi njega.
Since the market exposure of insurance-based investment products depends largely on the choice of underlying investment assets, such a product may be unsuitable for the customer or potential customer due to the risks of those assets, the type or characteristics of the product or the frequency of switching of underlying investment assets.
Zavarovalni posredniki in zavarovalnice bi morali ostati odgovorni za opravljanje ocen primernosti, kadar se svetovanje o zavarovalnih naložbenih produktih v celoti ali delno opravlja prek avtomatiziranega ali polavtomatiziranega sistema, saj taki sistemi zagotavljajo priporočila o osebnih naložbah, ki bi morala temeljiti na oceni primernosti.
It might also be unsuitable where it would result in an unsuitable portfolio of underlying investments.
Da se zagotovi ustrezen standard svetovanja v zvezi z dolgoročnim razvojem produkta, bi morali zavarovalni posredniki ali zavarovalnice v izjavo o primernosti vključiti informacije o tem, ali je verjetno, da bo morala stranka v zvezi s priporočenimi zavarovalnimi naložbenimi produkti zaprositi za redni pregled njihovih ureditev, ter stranke na to opozoriti.
Insurance intermediaries and insurance undertakings should remain responsible for performing suitability assessments where advice on insurance-based investment products is provided in whole or in part through an automated or semi-automated system since such systems are providing personal investment recommendations which should be based on a suitability assessment.
Ker je oceno ustreznosti načeloma treba opraviti vedno, kadar se zavarovalni naložbeni produkti prodajajo brez svetovanja, bi morali zavarovalni posredniki in zavarovalnice tako oceno opraviti vedno, kadar stranka v skladu z veljavnimi pravili nacionalne zakonodaje zahteva prodajo brez svetovanja in niso izpolnjeni pogoji iz člena 30(3) Direktive (EU) 2016/97.
To ensure an appropriate standard of advice with regard to the long-term development of the product, insurance intermediaries or insurance undertakings should include in the suitability statement, and draw customers' attention to, information on whether the recommended insurance-based investment products are likely to require the customer to seek a periodic review of their arrangement.
Kadar ocene primernosti ni mogoče opraviti, ker ni mogoče dobiti potrebnih informacij o finančnem položaju in investicijskih ciljih stranke, se lahko stranka v skladu z veljavnimi pravili nacionalne zakonodaje strinja, da se pogodba sklene kot prodaja brez svetovanja.
As the assessment of appropriateness has, in principle, to be conducted in all cases where insurance-based investment products are sold without advice, insurance intermediaries and insurance undertakings should perform such an assessment in all situations where, in conformity with the applicable rules of national law, the customer requires a sale without advice and where the conditions of Article 30(3) of Directive (EU) 2016/97 are not met.
Vendar bi bilo treba zaradi zagotavljanja, da ima stranka znanje in izkušnje, ki so potrebni za razumevanje povezanih tveganj, v takih primerih zahtevati oceno ustreznosti, razen če so izpolnjeni pogoji iz člena 30(3) Direktive (EU) 2016/97.
In cases where a suitability assessment cannot be performed because the necessary information about the customer's financial situation and investment objectives cannot be obtained, the customer might agree, in conformity with the applicable rules of national law, to proceed with concluding the contract as a sale without advice.
Za namene člena 30(3)(a)(ii) Direktive (EU) 2016/97 bi bilo treba določiti merila za oceno, ali se lahko zavarovalni naložbeni produkt, ki ne izpolnjuje pogojev iz člena 30(3)(a)(i) Direktive (EU) 2016/97, kljub temu šteje za nekompleksen produkt.
However, in order to ensure that the customer has the necessary knowledge and experience in order to understand the risks involved, an assessment of appropriateness should be required in such situations, unless the conditions of Article 30(3) of Directive (EU) 2016/97 are met.
V tem okviru ima lahko pomembno vlogo zagotavljanje jamstev.
For the purposes of point (a)(ii) of Article 30(3) of Directive (EU) 2016/97, criteria should be set for the assessment of whether an insurance-based investment product that does not meet the conditions set out in point (a)(i) of Article 30(3) of Directive (EU) 2016/97 might nevertheless be considered a non-complex product.
Kadar zavarovalni naložbeni produkt zagotavlja jamstvo ob zapadlosti, ki krije vsaj skupni znesek, ki ga plača stranka, brez upravičenih stroškov, takšno jamstvo močno omejuje obseg, v katerem je stranka izpostavljena tržnim nihanjem.
In that context, the provision of guarantees can play an important role.
Zato se tak produkt ob dodatnih pogojih lahko upravičeno šteje za nekompleksen produkt za namene člena 30(3) Direktive (EU) 2016/97.
Where an insurance-based investment product provides a guarantee at maturity that covers at least the total amount paid by the customer, excluding legitimate costs, such guarantee limits significantly the extent to which the customer is exposed to market fluctuations.
Namen Direktive (EU) 2016/97 je minimalna uskladitev in tako državam članicam ne preprečuje, da ohranijo ali uvedejo strožje določbe za varstvo potrošnikov, če so takšne določbe skladne s pravom Unije.