natgillin/translations-raw huggingface dataset:
It may therefore be justified to consider such a product, subject to further conditions, as a non-complex product for the purposes of Article 30(3) of Directive (EU) 2016/97.
Vse določbe, ki jih Komisija sprejme zaradi nadaljnje opredelitve zahtev iz Direktive (EU) 2016/97, bi bilo zato treba oblikovati tako, da bi lahko države članice ohranile strožje določbe v svojih nacionalnih zakonodajah.
Directive (EU) 2016/97 is aimed at minimum harmonisation and does therefore not preclude Member States from maintaining or introducing more stringent provisions in order to protect customers, provided that such provisions are consistent with Union law.
Da se pristojnim organom in strokovnjakom s področja zavarovalništva omogoči dovolj časa za prilagoditev na nove zahteve iz te uredbe, bi bilo treba začetek uporabe te uredbe uskladiti z datumom začetka uporabe nacionalnih ukrepov za prenos Direktive (EU) 2016/97.
Any provisions adopted by the Commission for the purposes of further specifying the requirements laid down in Directive (EU) 2016/97 should therefore be designed in a way that allows Member States to maintain stricter provisions in their national laws.
Strokovni nasvet [2] je na zahtevo prispeval Evropski organ za zavarovanja in poklicne pokojnine, ustanovljen z Uredbo (EU) št. 1094/2010 Evropskega parlamenta in Sveta [3] –
In order to allow competent authorities and insurance professionals to adapt to the new requirements contained in this Regulation, the starting date of application of this Regulation should be aligned with the entry into application of the national measures transposing Directive (EU) 2016/97.
SPREJELA NASLEDNJO UREDBO:
The European Insurance and Occupational Pensions Authority, established by Regulation (EU) No 1094/2010 of the European Parliament and of the Council [2], has been consulted for technical advice [3],
POGLAVJE I
HAS ADOPTED THIS REGULATION:
PODROČJE UPORABE IN OPREDELITEV POJMOV
SCOPE AND DEFINITIONS
Področje uporabe
Article 1
Ta uredba se uporablja za distribucijo zavarovalnih produktov v zvezi s prodajo zavarovalnih naložbenih produktov, ki jih prodajajo zavarovalni posredniki ali zavarovalnice.
This Regulation shall apply to insurance distribution in relation to the sale of insurance-based investment products carried out by insurance intermediaries or insurance undertakings.
Opredelitev pojmov
Definitions
„zadevna oseba“ v zvezi z zavarovalnim posrednikom ali zavarovalnico pomeni:
For the purposes of this Regulation, the following definitions shall apply:
direktorja, partnerja ali enakovredno osebo ali poslovodjo zavarovalnega posrednika ali zavarovalnice, kot je ustrezno, ali
‘relevant person’ in relation to an insurance intermediary or insurance undertaking, means any of the following:
zaposlenega pri zavarovalnem posredniku ali v zavarovalnici in vsako drugo fizično osebo, katere storitve so na voljo zavarovalnemu posredniku ali zavarovalnici ali so pod nadzorom zavarovalnega posrednika ali zavarovalnice, ki se ukvarja z distribucijo zavarovalnih naložbenih produktov, ali
a director, partner or equivalent, or manager of the intermediary or undertaking, where applicable;
fizično osebo, ki neposredno opravlja storitve za zavarovalnega posrednika ali zavarovalnico na podlagi dogovora o zunanjem izvajanju distribucije zavarovalnih naložbenih storitev zavarovalnega posrednika ali zavarovalnice;
an employee of the insurance intermediary or insurance undertaking, as well as any other natural person whose services are placed at the disposal and under the control of the insurance intermediary or insurance undertaking and who is involved in the distribution of insurance-based investment products;
„spodbuda“ pomeni vsak honorar, provizijo ali nedenarno korist, ki jih v zvezi z distribucijo zavarovalnega naložbenega produkta zagotovi ali prejme tak zavarovalni posrednik ali zavarovalnica, ali ki jih zagotovi ali prejme katera koli stranka, razen stranke, ki sodeluje pri zadevnem poslu, ali oseba, ki deluje v imenu te stranke;
a natural person who is directly involved in the provision of services to the insurance intermediary or insurance undertaking under an outsourcing agreement for the purpose of the distribution by the intermediary or undertaking of insurance-based investment products;
„shema spodbud“ pomeni sklop pravil, ki urejajo plačevanje spodbud, vključno s pogoji, pod katerimi se spodbude plačajo.
‘inducement’ means any fee, commission, or any non-monetary benefit provided by or to such an intermediary or undertaking in connection with the distribution of an insurance-based investment product, to or by any party except the customer involved in the transaction in question or a person acting on behalf of that customer;
POGLAVJE II
‘inducement scheme’ means a set of rules governing the payment of inducements, including the conditions under which the inducements are paid.
NASPROTJA INTERESOV IN SPODBUDE
CONFLICTS OF INTEREST AND INDUCEMENTS
Prepoznavanje nasprotij interesov
Article 3
Za namene ugotavljanja vrst nasprotij interesov v skladu s členom 28 Direktive (EU) 2016/97, ki nastajajo med opravljanjem kakršnih koli dejavnosti distribucije zavarovalnih produktov v zvezi z zavarovalnimi naložbenimi produkti in predstavljajo tveganje za škodovanje interesom stranke, zavarovalni posredniki in zavarovalnice proučijo, ali imajo oni, zadevna oseba ali katera koli oseba, ki je z njimi neposredno ali posredno povezana prek nadzora, interes glede rezultata dejavnosti distribucije zavarovalnih produktov, ki izpolnjuje naslednja merila:
Identification of conflicts of interest
je drugačen od interesa stranke ali potencialne stranke v zvezi z rezultati dejavnosti distribucije zavarovalnih produktov;
For the purposes of identifying, in accordance with Article 28 of Directive (EU) 2016/97, the types of conflicts of interest that arise in the course of carrying out any insurance distribution activities related to insurance-based investment products and which entail a risk of damage to the interests of a customer, insurance intermediaries and insurance undertakings shall assess whether they, a relevant person or any person directly or indirectly linked to them by control, have an interest in the outcome of the insurance distribution activities, which meets the following criteria:
lahko vpliva na rezultat dejavnosti distribucije v škodo stranke.
it is distinct from the customer's or potential customer's interest in the outcome of the insurance distribution activities;
Zavarovalni posredniki in zavarovalnice postopajo enako pri prepoznavanju nasprotij interesov med dvema strankama.
it has the potential to influence the outcome of the distribution activities to the detriment of the customer.
Zavarovalni posredniki in zavarovalnice za namene ocene v skladu z odstavkom 1 na podlagi minimalnih meril upoštevajo naslednje okoliščine:
Insurance intermediaries and insurance undertakings shall proceed in the same way for the purposes of identifying conflicts of interest between one customer and another.
zavarovalni posrednik ali zavarovalnica, zadevna oseba ali katera koli oseba, ki je z njim neposredno ali posredno povezana prek nadzora, bo verjetno imela finančno korist ali se izognila finančni izgubi v morebitno škodo stranke;
For the purposes of the assessment pursuant to paragraph 1, insurance intermediaries and insurance undertakings shall take into account, by way of minimum criteria, the following situations:
zavarovalni posrednik ali zavarovalnica, zadevna oseba ali katera koli oseba, ki je z njim neposredno ali posredno povezana prek nadzora, ima finančno ali drugo spodbudo, da daje interesu druge stranke ali skupine strank prednost pred interesom stranke;
the insurance intermediary or insurance undertaking, a relevant person or any person directly or indirectly linked to them by control is likely to make a financial gain, or avoid a financial loss, to the potential detriment of the customer;
zavarovalni posrednik ali zavarovalnica, zadevna oseba ali katera koli oseba, ki je z zavarovalnim posrednikom ali zavarovalnico neposredno ali posredno povezana prek nadzora, pomembno sodeluje pri upravljanju ali razvoju zavarovalnih naložbenih produktov, zlasti kadar ima taka oseba vpliv na oblikovanje cen navedenih produktov ali njihove distribucijske stroške.
the insurance intermediary or insurance undertaking, a relevant person or any person directly or indirectly linked to them by control has a financial or other incentive to favour the interest of another customer or group of customers over the interest of the customer;
Člen 4
the insurance intermediary or insurance undertaking, a relevant person or any person directly or indirectly linked by control to an insurance intermediary or an insurance undertaking is substantially involved in the management or development of insurance-based investment products, in particular where such a person has an influence on the pricing of those products or their distribution costs.
Politika obvladovanja nasprotij interesov
Article 4
Za namene člena 27 Direktive (EU) 2016/97 se pričakuje, da zavarovalni posredniki in zavarovalnice vzpostavijo, izvajajo in ohranjajo učinkovito politiko obvladovanja nasprotij interesov, ki je v pisni obliki in je primerna glede na njihovo velikost in organizacijo podjetja ter naravo, obseg in kompleksnost njihovega poslovanja.
Conflicts of interest policy
Če je zavarovalni posrednik ali zavarovalnica član skupine, se v politiki upoštevajo tudi vse okoliščine, s katerimi je zavarovalni posrednik ali zavarovalnica seznanjen ali bi moral biti seznanjen ter ki lahko povzročijo nasprotje interesov zaradi strukture in poslovnih dejavnosti drugih članov skupine.
For the purposes of Article 27 of Directive (EU) 2016/97, insurance intermediaries and insurance undertakings shall be expected to establish, implement and maintain an effective conflicts of interest policy set out in writing and appropriate to their size and organisation and the nature, scale and complexity of their business.
Politika obvladovanja nasprotij interesov, uvedena v skladu z odstavkom 1, vključuje vsaj naslednje vsebine:
Where the insurance intermediary or insurance undertaking is a member of a group, the policy shall also take into account any circumstances, of which the insurance intermediary or insurance undertaking is or should be aware, which may give rise to a conflict of interest arising as a result of the structure and business activities of other members of the group.
v zvezi s specifičnimi dejavnostmi distribucije zavarovalnih produktov, ki se izvajajo, okoliščine, ki pomenijo ali zaradi katerih lahko nastane nasprotje interesov, ki pomeni tveganje za škodovanje interesom ene ali več strank;
The conflicts of interest policy established in accordance with paragraph 1 shall include the following content:
postopke, ki jih je treba izvesti, in ukrepe, ki jih je treba sprejeti za obvladovanje takih nasprotij in preprečevanje, da škodijo interesom stranke.
with reference to the specific insurance distribution activities carried out, the circumstances which constitute or may give rise to a conflict of interest entailing a risk of damage to the interests of one or more customers;
Člen 5
procedures to be followed and measures to be adopted in order to manage such conflicts and prevent them from damaging the interests of the customer.
Postopki in ukrepi v okviru politike obvladovanja nasprotij interesov
Article 5
Postopki in ukrepi iz člena 4(2)(b) so sorazmerni z velikostjo in dejavnostmi zavarovalnega posrednika ali zavarovalnice ter skupine, ki ji morda pripada, ter s tveganjem škodovanja interesom strank.
Procedures and measures under the conflicts of interest policy
Postopki, ki jih je treba izvesti, in ukrepi, ki jih je treba sprejeti v skladu s členom 4(2)(b), vključujejo, kot je ustrezno:
The procedures and measures referred to in Article 4(2)(b) shall be appropriate 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.
učinkovite postopke za preprečevanje ali nadzor izmenjave informacij med zadevnimi osebami, ki opravljajo dejavnosti, pri katerih je prisotno tveganje nasprotij interesov, če bi lahko izmenjava takih informacij škodovala interesom ene ali več strank;
The procedures to be followed and measures to be adopted in accordance with Article 4(2)(b) shall include, where appropriate, the following:
ločen nadzor zadevnih oseb, katerih glavne funkcije vključujejo opravljanje dejavnosti v imenu strank ali opravljanje storitev za stranke, katerih interesi bi lahko pomenili nasprotje interesov, ali ki kako drugače predstavljajo drugačne interese, ki bi lahko pomenili nasprotje interesov, vključno z interesi zavarovalnega posrednika ali zavarovalnice;
effective procedures to prevent or control the exchange of information between relevant persons engaged in activities involving a risk of conflict of interest where the exchange of that information may damage the interests of one or more customers;
odstranitev vsake neposredne povezave med plačili, vključno s prejemki, zadevnih oseb, ki se ukvarjajo z eno dejavnostjo, in plačili, vključno s prejemki, drugih zadevnih oseb, ki se ukvarjajo z drugo dejavnostjo, kadar bi lahko v zvezi s temi dejavnostmi nastalo nasprotje interesov;
the separate supervision of relevant persons whose principal functions involve carrying out activities on behalf of, or providing services, to customers whose interests may conflict, or who otherwise represent different interests that may conflict, including those of the insurance intermediary or insurance undertaking;
ukrepe za preprečevanje ali omejevanje tveganja, da katera koli oseba uveljavlja neustrezen vpliv na način, kako zavarovalni posrednik ali zavarovalnica oziroma njuni vodilni ali zaposleni ali katera koli oseba, ki je z njim neposredno ali posredno povezana prek nadzora, opravlja dejavnosti distribucije zavarovalnih produktov;
the removal of any direct link between payments, including remuneration, to relevant persons engaged in one activity and payments, including remuneration, to different relevant persons principally engaged in another activity, where a conflict of interest may arise in relation to those activities;
ukrepe za preprečevanje ali nadziranje hkratnega ali zaporednega ukvarjanja zadevne osebe z ločenimi dejavnostmi distribucije zavarovalnih produktov, če lahko to ovira ustrezno obvladovanje nasprotij interesov;
measures to prevent or limit any person from exercising inappropriate influence over the way in which insurance distribution activities are carried out by the insurance intermediary or insurance undertaking or their managers or employees or any person directly or indirectly linked to them by control;
politiko sprejemanja daril in koristi, ki jasno določa, pod katerimi pogoji se lahko darila in koristi prejmejo ali dodelijo ter katere ukrepe je treba sprejeti pri prejemanju in dodeljevanju daril in koristi.
measures to prevent or control the simultaneous or sequential involvement of a relevant person in separate insurance distribution activities where such involvement may impair the proper management of conflicts of interest;
Kadar lahko zavarovalni posredniki in zavarovalnice dokažejo, da z ukrepi in postopki iz odstavka 1 ni mogoče ustrezno zagotoviti, da se dejavnosti distribucije zavarovalnih produktov izvajajo v skladu z najboljšimi interesi stranke in da niso pristranski zaradi nasprotij interesov zavarovalnega posrednika, zavarovalnice ali druge stranke, zavarovalni posredniki in zavarovalnice v ta namen sprejmejo zadostne alternativne ukrepe in postopke.
a gifts and benefits policy which determines clearly under which conditions gifts and benefits can be accepted or granted and which steps are to be taken when accepting and granting gifts and benefits.
Člen 6
Where insurance intermediaries and insurance undertakings can demonstrate that the measures and procedures referred to in paragraph 1 are not appropriate to ensure that the insurance distribution activities are carried out in accordance with the best interest of the customer and are not biased due to conflicting interests of the insurance intermediary, the insurance undertaking or another customer, insurance intermediaries and insurance undertakings shall adopt adequate alternative measures and procedures for that purpose.
Razkritja
Article 6
Zavarovalni posredniki in zavarovalnice se izogibajo čezmernemu zanašanju na razkritja ter s tem zagotovijo, da so razkritja v skladu s členom 28(2) Direktive (EU) 2016/97 skrajno sredstvo, ki se lahko uporabi samo, kadar učinkovite organizacijske in upravne ureditve, ki jih je zavarovalni posrednik ali zavarovalnica vzpostavil za preprečevanje ali obvladovanje nasprotij interesov v skladu s členom 27 Direktive (EU) 2016/97, ne zadoščajo za zagotavljanje s primerno stopnjo verjetnosti, da se prepreči tveganje za škodovanje interesom strank preprečila.
Disclosure
Za namene razkritja nasprotij interesov zavarovalni posredniki in zavarovalnice sprejmejo vse naslednje ukrepe:
Insurance intermediaries and insurance undertakings shall avoid over-reliance on disclosure to ensure that disclosure to customers, pursuant to Article 28(2) of Directive (EU) 2016/97, is a measure of last resort that can be used only where the effective organisational and administrative arrangements established by the insurance intermediary or insurance undertaking to prevent or manage conflicts of interest in accordance with Article 27 of Directive (EU) 2016/97 are not sufficient to ensure, with reasonable confidence, that risks of damage to the interests of the customer will be prevented.
zagotovijo specifičen opis zadevnega nasprotja interesov;
For the purposes of a disclosure of conflicts of interest insurance intermediaries and insurance undertakings shall do all of the following:
pojasnijo splošno naravo in vire nasprotja interesov;
provide a specific description of the conflict of interest in question;
pojasnijo tveganja za stranko, ki izhajajo iz nasprotij interesov, in ukrepe, sprejete za zmanjšanje navedenih tveganj;
explain the general nature and sources of the conflict of interest;
jasno navedejo, da organizacijske in upravne ureditve, ki jih je zavarovalni posrednik ali zavarovalnica vzpostavil za preprečevanje ali obvladovanje navedenega interesa, ne zadoščajo za zagotavljanje s primerno stopnjo verjetnosti, da se prepreči tveganje za škodovanje interesom strank.
explain the risks to the consumer that arise as a result of the conflict of interest and the steps undertaken to mitigate those risks;
Člen 7
clearly state that the organisational and administrative arrangements established by the insurance intermediary or insurance undertaking to prevent or manage the conflict of interest are not sufficient to ensure, with reasonable confidence, that risks of damage to the interests of the customer will be prevented.
Pregled in vodenje evidenc
Article 7
Zavarovalni posredniki in zavarovalnice za namene člena 27 Direktive (EU) 2016/97 ocenijo in redno, tj. vsaj enkrat letno, pregledajo politiko obvladovanja nasprotij interesov, vzpostavljeno v skladu s členom 4, ter sprejmejo ustrezne ukrepe za odpravo morebitnih pomanjkljivosti.
Review and record keeping
Zavarovalni posredniki in zavarovalnice vodijo in redno posodabljajo evidenco vseh okoliščin, v katerih je nastalo ali, v primeru tekoče storitve ali dejavnosti, lahko nastane nasprotje interesov, ki pomeni tveganje za škodovanje interesom stranke.
For the purposes of Article 27 of Directive (EU) 2016/97, insurance intermediaries and insurance undertakings shall assess and periodically review, on an at least annual basis, the conflicts of interest policy established in accordance with Article 4 and take all appropriate measures to address any deficiencies.
Višje vodstvo zavarovalnega posrednika ali zavarovalnice redno in vsaj enkrat na leto prejme pisna poročila o okoliščinah iz prvega pododstavka.
Insurance intermediaries and insurance undertakings shall keep and regularly update a record of the situations in which a conflict of interest entailing a risk of damage to the interests of a customer has arisen or, in the case of an ongoing service or activity may arise.
Člen 8
Senior management of the insurance intermediary or insurance undertaking shall receive on a frequent basis, and at least annually, written reports on the situations referred to in the first subparagraph.
Ocena spodbud in shem spodbud
Article 8
Za spodbudo ali shemo spodbud se šteje, da ima škodljiv vpliv na kakovost zadevne storitve za stranko, kadar ima takšno naravo in obseg, da zagotavlja spodbudo za izvajanje dejavnosti distribucije zavarovalnih produktov na način, ki ni v skladu z obveznostjo glede poštenega, pravičnega in strokovnega poslovanja v skladu z najboljšimi interesi strank.
Assessment of inducements and inducement schemes
Zavarovalni posredniki in zavarovalnice za oceno, ali ima spodbuda ali shema spodbud škodljiv vpliv na kakovost zadevne storitve za stranko, izvedejo splošno analizo, pri čemer upoštevajo vse zadevne dejavnike, ki lahko povečajo ali zmanjšajo tveganje škodljivega vpliva na kakovost zadevne storitve za stranko, in vse organizacijske ukrepe, ki jih je sprejel zavarovalni posrednik ali zavarovalnica, ki opravlja dejavnosti distribucije zavarovalnih produktov, da bi preprečil tveganje škodljivega vpliva.
An inducement or inducement scheme shall be considered to have a detrimental impact on the quality of the relevant service to the customer where it is of such a nature and scale that it provides an incentive to carry out insurance distribution activities in a way that is not in compliance with the obligation to act honestly, fairly and professionally in accordance with the best interests of the customer.
Upoštevajo zlasti naslednja merila:
For the purposes of assessing whether an inducement or inducement scheme has a detrimental impact on the quality of the relevant service to the customer, insurance intermediaries and insurance undertakings shall perform an overall analysis taking into account all relevant factors which may increase or decrease the risk of detrimental impact on the quality of the relevant service to the customer, and any organisational measures taken by the insurance intermediary or insurance undertaking carrying out distribution activities to prevent the risk of detrimental impact.
ali bi lahko spodbuda ali shema spodbud zavarovalnega posrednika ali zavarovalnico spodbudila, da stranki ponudi ali priporoči določen zavarovalni produkt ali določeno storitev, čeprav bi lahko zavarovalni posrednik ali zavarovalnica ponudil drugi zavarovalni produkt ali drugo storitev, ki bi bolje ustrezala potrebam stranke;
They shall, in particular, consider the following criteria:
ali spodbuda ali shema spodbud temelji izključno ali pretežno na kvantitativnih poslovnih merilih oziroma ali upošteva ustrezna kvalitativna merila, ki odražajo spoštovanje veljavnih predpisov, kakovost storitev, opravljenih za stranke, in zadovoljstvo strank;
whether the inducement or inducement scheme could provide an incentive to the insurance intermediary or insurance undertaking to offer or recommend a particular insurance product or a particular service to the customer despite the fact that the insurance intermediary or insurance undertaking would be able to offer a different insurance product or service which would better meet the customer's needs;
vrednost plačane ali prejete spodbude glede na vrednost produkta in opravljene storitve;
whether the inducement or inducement scheme is solely or predominantly based on quantitative commercial criteria or whether it takes into account appropriate qualitative criteria, reflecting compliance with applicable regulations, the quality of services provided to customers and customer satisfaction;
ali je spodbuda v celoti ali pretežno plačana v trenutku sklenitve zavarovalne pogodbe oziroma je razširjena na celotno trajanje navedene pogodbe;
the value of the inducement paid or received in relation to the value of the product and the services provided;
ali je vzpostavljen ustrezen mehanizem, s katerim se zahteva vračilo spodbude, če se produkt predčasno prekine ali se od njega odstopi v zgodnji fazi ali če so bili oškodovani interesi stranke;