natgillin/translations-raw huggingface dataset:
To ensure appropriate information and advice for customers, manufacturers should select insurance distributors that have the necessary knowledge, expertise and competence to understand the features of an insurance product and the identified target market.
Da bi strankam zagotovili ustrezne informacije in nasvete, bi morali proizvajalci izbrati distributerje zavarovalnih produktov, ki imajo potrebno strokovno znanje, izkušnje in sposobnosti za razumevanje lastnosti zavarovalnega produkta in opredeljenega ciljnega trga.
For the same reason, they should, within the framework of applicable national law governing their relationship with the insurance distributors in question, monitor and examine on a regular basis whether the insurance product is distributed in conformity with the objectives of their product oversight and governance arrangements and take appropriate remedial action where they consider that that is not the case.
Iz istega razloga bi morali v okviru veljavne nacionalne zakonodaje, ki ureja njihovo razmerja z zadevnimi distributerji zavarovalnih produktov, redno spremljati in preverjati, ali se zavarovalni produkt distribuira v skladu s cilji njihovih ureditev za nadzor in upravljanje produktov, ter po potrebi sprejeti ustrezne popravne ukrepe.
That should however not prevent insurance distributors from distributing insurance products to customers who do not belong to that target market, provided that the individual assessment at the point of sale justifies the conclusion that those products correspond to the demands and needs of those customers and, where applicable, that insurance-based investment products are suitable or appropriate for the customer.
Vendar to distributerjem zavarovalnih produktov ne bi smelo preprečiti, da zavarovalne produkte distribuirajo strankam, ki ne pripadajo navedenemu ciljnemu trgu, če je individualna ocena na prodajnem mestu upravičuje sklep, da navedeni produkti ustrezajo zahtevam in potrebam navedenih strank ter, kadar je primerno, da so zavarovalni naložbeni produkti za stranko ustrezni ali primerni.
To enable insurance distributors to fully understand the products they intend to distribute, so that they can carry out their distribution activities in accordance with the best interest of their costumers, in particular by providing professional advice, manufacturers should provide insurance distributors with all appropriate information on those insurance products, including on the product approval process, the identified target market and the suggested distribution strategy.
Da bodo distributerji zavarovalnih produktov lahko v celoti razumeli produkte, ki jih nameravajo distribuirati, in bodo lahko svoje distribucijske dejavnosti opravljali v skladu z najboljšimi interesi svojih strank, zlasti z zagotavljanjem strokovnega svetovanja, bi morali proizvajalci distributerjem zavarovalnih produktov zagotoviti vse ustrezne informacije o navedenih zavarovalnih produktih, vključno s postopkom odobritve produkta, opredeljenim ciljnim trgom in predlagano distribucijsko strategijo.
Conversely, insurance distributors should have arrangements to obtain the required information from the manufacturers in an efficient manner.
In obratno, distributerji zavarovalnih produktov bi morali vzpostaviti ureditve, s katerimi bi zahtevane informacije od proizvajalcev pridobili na učinkovit način.
The efficient functioning of product governance obligations requires that insurance distributors regularly inform manufacturers about their experience with the insurance products.
Da bi se obveznosti glede upravljanja produktov učinkovito izvajale, morajo distributerji zavarovalnih produktov proizvajalce redno obveščati o svojih izkušnjah z zavarovalnimi produkti.
Insurance distributors should therefore provide manufacturers with the data needed for the review of the insurance product and check that those products remain in line with the needs, characteristics and objectives of the target market identified by the manufacturer.
Distributerji zavarovalnih produktov bi morali zato proizvajalcem predložiti podatke, ki so potrebni za pregled zavarovalnega produkta, in preveriti, ali so navedeni produkti še vedno v skladu s potrebami, značilnostmi in cilji ciljnega trga, ki jih je opredelil proizvajalec.
To avert the risk of customer detriment, manufacturers and distributors should take appropriate action when they consider that the product is not or no more aligned with the interests, objectives and characteristics of the identified target market.
Da bi se preprečilo tveganje škode za stranke, bi morali proizvajalci in distributerji ustrezno ukrepati, kadar menijo, da produkt ni ali ni več v skladu z interesi, cilji in značilnostmi opredeljenega ciljnega trga.
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.
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.
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],
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] –
This Regulation lays down rules for the maintenance, operation and review of product oversight and governance arrangements for insurance products and for significant adaptations to existing insurance products before those products are brought to the market or distributed to customers (‘product approval process’), as well as rules for product distribution arrangements for those insurance products.
Ta uredba določa pravila za vzdrževanje, izvajanje in pregledovanje ureditev za nadzor in upravljanje produktov za zavarovalne produkte ter za pomembne prilagoditve obstoječih zavarovalnih produktov, preden se navedeni produkti tržijo ali distribuirajo strankam (v nadaljnjem besedilu: postopek odobritve produkta), ter pravila za ureditve distribucije produktov za navedene zavarovalne produkte.
This Regulation shall apply to insurance undertakings and to insurance intermediaries that manufacture insurance products that are offered for sale to customers (‘manufacturers’), as well as to insurance distributors that advise on, or propose, insurance products that they do not manufacture.
Ta uredba se uporablja za zavarovalnice in zavarovalne posrednike, ki pripravljajo zavarovalne produkte, ki se prodajajo strankam (v nadaljnjem besedilu: proizvajalci), ter distributerje zavarovalnih produktov, ki svetujejo o zavarovalnih produktih, katerih ne pripravljajo, ali jih priporočajo.
Manufacturing insurance products
Pripravljanje zavarovalnih produktov
For the purposes of Article 25(1) of Directive (EU) 2016/97, insurance intermediaries shall be considered manufacturers where an overall analysis of their activity shows that they have a decision-making role in designing and developing an insurance product for the market.
Zavarovalni posredniki se za namene člena 25(1) Direktive (EU) 2016/97 štejejo za proizvajalce, kadar je iz splošne analize njihove dejavnosti razvidno, da odločajo pri oblikovanju in razvoju zavarovalnega produkta za trg.
A decision-making role shall be assumed, in particular, where insurance intermediaries autonomously determine the essential features and main elements of an insurance product, including its coverage, price, costs, risk, target market and compensation and guarantee rights, which are not substantially modified by the insurance undertaking providing coverage for the insurance product.
Da imajo zavarovalni posredniki vlogo odločanja, se predvideva zlasti, kadar samostojno določijo poglavitne lastnosti in glavne elemente zavarovalnega produkta, vključno z njegovim kritjem, ceno, stroški, tveganjem, ciljnim trgom ter pravicami do nadomestila ali jamstva, ki jih zavarovalnica, ki zagotavlja kritje za zavarovalni produkt, ne bistveno spremeni.
Personalisation of and adaptation of existing insurance products in the context of insurance distribution activities for individual customers, as well as the design of tailor-made contracts at the request of a single customer, shall not be considered manufacturing.
Prilagoditev obstoječih zavarovalnih produktov posamezniku in njihovo preoblikovanje v okviru dejavnosti distribucije zavarovalnih produktov za posamezne stranke ter oblikovanje pogodb po meri na zahtevo posamezne stranke se ne štejejo za pripravljanje zavarovalnih produktov.
An insurance intermediary and an insurance undertaking that are both manufacturers within the meaning of Article 2 of this Delegated Regulation, shall sign a written agreement which specifies their collaboration to comply with the requirements for manufacturers referred to in Article 25(1) of Directive (EU) 2016/97, the procedures through which they shall agree on the identification of the target market and their respective roles in the product approval process.
Zavarovalni posrednik in zavarovalnica, ki sta oba proizvajalca v smislu člena 2 te delegirane uredbe, skleneta pisni sporazum, ki določa njuno sodelovanje pri izpolnjevanju zahtev za proizvajalce iz člena 25(1) Direktive (EU) 2016/97, postopke, s katerimi se dogovorita o opredelitvi ciljnega trga, in njuni ustrezni vlogi v postopku odobritve produkta.
PRODUCT GOVERNANCE REQUIREMENTS FOR MANUFACTURERS
ZAHTEVE GLEDE UPRAVLJANJA PRODUKTOV ZA PROIZVAJALCE
Product approval process
Postopek odobritve produkta
Manufacturers shall maintain, operate and review a product approval process for newly developed insurance products and for significant adaptations of existing insurance products.
Proizvajalci vzdržujejo, izvajajo in pregledujejo postopek odobritve produkta za na novo razvite zavarovalne produkte in pomembne prilagoditve obstoječih zavarovalnih produktov.
That process shall contain measures and procedures for designing, monitoring, reviewing and distributing insurance products, as well as for corrective action for insurance products that are detrimental to customers.
Navedeni postopek vključuje ukrepe in postopke za oblikovanje, spremljanje, pregledovanje in distribuiranje zavarovalnih produktov ter za popravne ukrepe za zavarovalne produkte, ki so škodljivi za stranke.
The measures and procedures shall be proportionate to 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 manufacturer.
Ukrepi in postopki so sorazmerni z ravnjo zahtevnosti in tveganji, povezanimi s produkti, ter naravo, obsegom in kompleksnostjo zadevnega poslovanja proizvajalca.
The product approval process shall be set out in a written document (‘product oversight and governance policy’), which shall be made available to the relevant staff.
Postopek odobritve produkta se določi v pisnem dokumentu (v nadaljnjem besedilu: politika nadzora in upravljanja produktov), ki se da na voljo ustreznemu osebju.
The product approval process shall:
S postopkom odobritve produkta se:
ensure that the design of insurance products meets the following criteria:
zagotovi, da se pri oblikovanju zavarovalnih produktov upoštevajo naslednja merila:
it takes into account the objectives, interests and characteristics of customers;
produkt upošteva cilje, interese in značilnosti strank;
it does not adversely affect customers;
ne škoduje strankam;
it prevents or mitigates customer detriment;
prepreči ali ublaži škodo za stranke;
support a proper management of conflicts of interest.
podpre ustrezno obvladovanje nasprotij interesov.
The manufacturers' body or structure responsible for the manufacturing of insurance products shall do all of the following:
Organ ali struktura proizvajalca, ki je odgovoren za pripravljanje zavarovalnih produktov stori vse od naslednjega:
endorse and be ultimately responsible for establishing, implementing and reviewing the product approval process;
potrdi in je končno odgovoren za vzpostavitev, izvajanje in pregledovanje postopka odobritve produkta;
continuously verify internal compliance with that process.
stalno preverja notranjo skladnost z navedenim postopkom.
Manufacturers designating a third party to design products on their behalf shall remain fully responsible for compliance with the product approval process.
Proizvajalci, ki določijo tretjo osebo za oblikovanje produktov v njihovem imenu, ostanejo v celoti odgovorni za skladnost s postopkom odobritve produkta.
Manufacturers shall regularly review their product approval process to ensure that that process is still valid and up to date.
Proizvajalci redno pregledujejo svoj postopek odobritve produkta, s čimer zagotovijo, da je navedeni postopek še vedno veljaven in posodobljen.
They shall amend the product approval process where necessary.
Postopek odobritve produkta po potrebi spremenijo.
The product approval process shall for each insurance product identify the target market and the group of compatible customers.
V okviru postopka odobritve produkta se za vsak zavarovalni produkt opredelita ciljni trg in skupina združljivih strank.
The target market shall be identified at a sufficiently granular level, taking into account the characteristics, risk profile, complexity and nature of the insurance product.
Ciljni trg se opredeli na ustrezno razdrobljeni ravni ob upoštevanju značilnosti, profila tveganja, kompleksnosti in narave zavarovalnega produkta.
Manufacturers may, in particular with regard to insurance-based investment products, identify groups of customers for whose needs, characteristics and objectives the insurance product is generally not compatible.
Proizvajalci lahko, zlasti v zvezi z zavarovalnimi naložbenimi produkti, opredelijo skupine strank, katerih potrebe, značilnosti in cilji na splošno niso združljivi z zavarovalnim produktom.
Manufacturers shall only design and market insurance products that are compatible with the needs, characteristics and objectives of the customers belonging to the target market.
Proizvajalci oblikujejo in tržijo le zavarovalne produkte, ki so združljivi s potrebami, značilnostmi in cilji strank, ki pripadajo ciljnemu trgu.
When assessing whether an insurance product is compatible with a target market, manufacturers shall take into account the level of information available to the customers belonging to that target market and their financial literacy.
Proizvajalci pri presoji, ali je zavarovalni produkt združljiv s ciljnim trgom, upoštevajo raven informacij, ki so na voljo strankam, ki pripadajo navedenemu ciljnemu trgu, in njihovo finančno pismenost.
Manufacturers shall ensure that staff involved in designing and manufacturing insurance products has the necessary skills, knowledge and expertise to properly understand the insurance products sold and the interests, objectives and characteristics of the customers belonging to the target market.
Proizvajalci zagotovijo, da ima osebje, ki sodeluje pri oblikovanju in pripravi zavarovalnih produktov, potrebne spretnosti, strokovno znanje in izkušnje, da ustrezno razume prodajane zavarovalne produkte ter interese, cilje in značilnosti strank, ki pripadajo ciljnemu trgu.
Product testing
Preizkušanje produktov
Manufacturers shall test their insurance products appropriately, including scenario analyses where relevant, before bringing that product to the market or significantly adapting it, or in case the target market has significantly changed.
Proizvajalci svoje zavarovalne produkte ustrezno preizkusijo, vključno z analizami scenarijev, kadar je ustrezno, preden navedeni produkt dajo na trg ali ga pomembno prilagodijo ali kadar se ciljni trg pomembno spremeni.
That product testing shall assess whether the insurance product over its lifetime meets the identified needs, objectives and characteristics of the target market.
Z navedenim preizkušanjem produktov se oceni, ali zavarovalni produkt v svoji celotni življenjski dobi izpolnjuje opredeljene potrebe, cilje in značilnosti ciljnega trga.
Manufacturers shall test their insurance products in a qualitative manner and, depending on the type and nature of the insurance product and the related risk of detriment to customers, quantitative manner.
Proizvajalci svoje zavarovalne produkte preizkusijo kvalitativno in, odvisno od vrste in narave zavarovalnega produkta in s tem povezanega tveganja škode za stranke, kvantitativno.
Manufacturers shall not bring insurance products to the market if the results of the product testing show that the products do not meet the identified needs, objectives and characteristics of the target market.
Proizvajalci zavarovalnih produktov ne dajo na trg, če rezultati preizkušanja produktov kažejo, da produkti ne ustrezajo opredeljenim potrebam, ciljem in značilnostim ciljnega trga.
Product monitoring and review
Spremljanje in pregled produktov
Manufacturers shall continuously monitor and regularly review insurance products they have brought to the market, to identify events that could materially affect the main features, the risk coverage or the guarantees of those products.
Proizvajalci stalno spremljajo in redno pregledujejo zavarovalne produkte, ki so jih dali na trg, da bi opredelili dogodke, ki bi lahko pomembno vplivali na glavne lastnosti, kritje tveganja ali jamstva navedenih produktov.
They shall assess whether the insurance products remain consistent with the needs, characteristics and objectives of the identified target market and whether those products are distributed to the target market or is reaching customers outside the target market.
Ocenijo, ali so zavarovalni produkti še vedno skladni s potrebami, značilnostmi in cilji opredeljenega ciljnega trga ter ali se navedeni produkti distribuirajo na ciljnem trgu ali dosegajo stranke zunaj ciljnega trga.
Manufacturers shall determine the appropriate intervals for the regular review of their insurance products, thereby taking into account the size, scale, contractual duration and complexity of those insurance products, their respective distribution channels, and any relevant external factors such as changes to the applicable legal rules, technological developments, or changes to the market situation.
Proizvajalci določijo ustrezne intervale za redno pregledovanje svojih zavarovalnih produktov, pri čemer upoštevajo vrednost, obseg, pogodbeno trajanje in kompleksnost navedenih zavarovalnih produktov, njihove ustrezne distribucijske kanale in vse zadevne zunanje dejavnike, kot so spremembe pravnih pravil, ki se uporabljajo, tehnološki razvoj ali spremembe stanja na trgu.
Manufacturers that identify during the lifetime of an insurance product any circumstances related to the insurance product that may adversely affect the customer of that product shall take appropriate action to mitigate the situation and prevent further occurrences of the detrimental event.
Proizvajalci, ki med življenjsko dobo zavarovalnega produkta ugotovijo kakršne koli okoliščine, ki bi lahko škodovale stranki navedenega produkta, sprejmejo ustrezne ukrepe za ublažitev stanja in preprečitev nadaljnjih ponovitev škodljivega dogodka.
Manufacturers shall promptly inform concerned insurance distributors and customers about the remedial action taken.
Proizvajalci zadevne distributerje zavarovalnih produktov in stranke takoj obvestijo o sprejetih popravnih ukrepih.
Manufacturers shall carefully select distribution channels that are appropriate for the target market, thereby taking into account the particular characteristics of the relevant insurance products.
Proizvajalci skrbno izberejo distribucijske kanale, ki so primerni za ciljni trg, pri čemer upoštevajo posebne značilnosti zadevnih zavarovalnih produktov.
Manufacturers shall provide insurance distributors with all appropriate information on the insurance products, the identified target market and the suggested distribution strategy, including information on the main features and characteristics of the insurance products, their risks and costs, including implicit costs, and any circumstances which might cause a conflict of interest to the detriment of the customer.
Proizvajalci distributerjem zavarovalnih produktov zagotovijo vse ustrezne informacije o zavarovalnih produktih, opredeljenem ciljnem trgu in priporočeni distribucijski strategiji, vključno z informacijami o glavnih lastnostih in značilnostih zavarovalnih produktov, njihovih tveganjih in stroških, vključno s pripisanimi stroški, in vseh okoliščinah, ki bi lahko povzročile nasprotje interesov v škodo stranke.
That information shall be clear, complete and up to date.
Navedene informacije so jasne, popolne in posodobljene.
The information referred to in paragraph 2 shall enable the insurance distributors to:
Informacije iz odstavka 2 distributerjem zavarovalnih produktov omogočijo, da:
understand the insurance products;
razumejo zavarovalne produkte;
comprehend the identified target market for the insurance products;
razumejo opredeljeni ciljni trg za zavarovalne produkte;
identify any customers for whom the insurance product is not compatible with their needs, characteristics and objectives;
opredelijo vse stranke, katerih potrebe, značilnosti in cilji niso združljivi z zavarovalnim produktom;
carry out distribution activities for the relevant insurance products in accordance with the best interests of their customers as prescribed in Article 17(1) of Directive (EU) 2016/97.
izvajajo distribucijske dejavnosti za zadevne zavarovalne produkte v skladu z najboljšim interesom strank, kot je predpisano v členu 17(1) Direktive (EU) 2016/97.
Manufacturers shall take appropriate steps to monitor that insurance distributors act in accordance with the objectives of the manufacturers' product approval process.
Proizvajalci sprejmejo ustrezne ukrepe za spremljanje, da distributerji zavarovalnih produktov delujejo v skladu s cilji proizvajalčevega postopka odobritve produkta.
They shall in particular verify on a regular basis whether the insurance products are distributed on the identified target market.
Zlasti redno preverjajo, ali se zavarovalni produkti distribuirajo na opredeljenem ciljnem trgu.
That monitoring obligation shall not extend to the general regulatory requirements with which insurance distributors have to comply when carrying out insurance distribution activities for individual customers.
Ta obveznost spremljanja se ne razširi na splošne regulativne zahteve, ki jih morajo distributerji zavarovalnih produktov izpolniti pri opravljanju dejavnosti distribucije zavarovalnih produktov za posamezne stranke.
The monitoring activities shall be reasonable, taking into consideration the characteristics and the legal framework of the respective distribution channels.
Dejavnosti spremljanja so razumne ter upoštevajo značilnosti in pravni okvir zadevnih distribucijskih kanalov.
Manufacturers considering that the distribution of their insurance products is not in accordance with the objectives of their product approval process shall take appropriate remedial action.
Proizvajalci, ki menijo, da distribucija njihovih zavarovalnih produktov ni v skladu s cilji njihovega postopka odobritve produkta, sprejmejo ustrezne popravne ukrepe.
Relevant actions taken by manufacturers in relation to their product approval process shall be duly documented, kept for audit purposes and made available to the competent authorities upon request.
Ustrezni ukrepi, ki jih proizvajalci sprejmejo v zvezi s svojim postopkom odobritve produkta, se ustrezno dokumentirajo, vodijo za revizijo in se na zahtevo dajo na voljo pristojnim organom.
PRODUCT GOVERNANCE REQUIREMENTS FOR INSURANCE DISTRIBUTORS
ZAHTEVE GLEDE UPRAVLJANJA PRODUKTOV ZA DISTRIBUTERJE ZAVAROVALNIH PRODUKTOV
Product distribution arrangements
Ureditve za distribucijo produktov