natgillin/translations-raw huggingface dataset:
In particular, only economically justified risks, that is to say, risks that are acceptable on the basis of sound underwriting principles, can be covered.
Predvsem se lahko krijejo samo ekonomsko upravičljiva tveganja, se pravi tveganja, ki so sprejemljiva na podlagi trdnih načel zavarovanja.
The maximum percentage of cover must be 95 % for commercial risks and political risks and the claims waiting period must be a minimum of 90 days.
Najvišji odstotek kritja znaša 95 % za komercialna in politična tveganja, čakalni rok za odškodninske zahtevke pa mora biti najmanj 90 dni.
Underwriting principles
Načela zavarovanja
Sound underwriting principles must always be applied to the assessment of risks.
Ocena tveganj mora vedno temeljiti na trdnih načelih zavarovanja.
Accordingly, the risk of financially unsound transactions must not be eligible for cover under publicly supported schemes.
V skladu s tem tveganje finančno nezanesljivih transakcij ne pride v poštev za kritje v okviru javno podprtih shem.
With regard to such principles, risk acceptance criteria must be explicit.
Merila sprejemljivosti tveganja morajo biti po teh načelih nedvoumna.
If a business relationship already exists, exporters must have a positive trading and/or payment experience.
Če poslovni odnos že obstaja, morajo imeti izvozniki pozitivne izkušnje s trgovanjem in/ali plačili.
Buyers must have a clean claims record, the probability of the buyers’ default must be acceptable and their internal and/or external financial ratings must also be acceptable.
Kupci morajo imeti čisto kartoteko, kar zadeva odškodninske zahtevke, verjetnost neplačila mora biti sprejemljiva, prav tako pa tudi njihova notranja in/ali zunanja bonitetna ocena.
Adequate pricing
Ustrezno oblikovanje cen
Risk-carrying in the export-credit insurance contract must be remunerated by an adequate premium.
Prevzem tveganja na podlagi pogodbe o zavarovanju izvoznih kreditov se mora nadomestiti z ustrezno premijo.
To minimise the crowding out of private credit insurers, average premiums under publicly supported schemes must be higher than the average premiums charged by private credit insurers for similar risks.
Da se čim bolj omeji izrinjanje zasebnih zavarovateljev kreditov, morajo biti povprečne premije v okviru javno podprtih shem višje od povprečnih premij, ki jih zasebni zavarovatelji kreditov zaračunajo za podobna tveganja.
This requirement ensures the phasing out of state intervention, because the higher premium will ensure that exporters return to private credit insurers as soon as market conditions allow them to do so and the risk becomes marketable again.
Ta zahteva zagotavlja postopno odpravljanje posredovanja države, ker bodo višje premije zagotovile, da se izvozniki vrnejo k zasebnim zavarovateljem kreditov, takoj ko jim bodo to dopuščali tržni pogoji in bodo tveganja spet postala tržna.
Pricing is considered adequate if the minimum premium [8] (‘safe-harbour premium’) for the relevant buyers’ risk category [9] as set out in the following table is charged.
Oblikovanje cen velja za ustrezno, če se zaračuna najnižja premija [8] (premija varnega pristana) za ustrezne kategorije tveganja kupcev [9], kot so določene v spodnji tabeli.
The safe-harbour premium applies unless EFTA States provide evidence that these rates are inadequate for the risk in question.
Premija varnega pristana se uporablja, razen če države Efte dokažejo, da te stopnje niso ustrezne za zadevna tveganja.
For a whole turnover policy, the risk category must correspond to the average risk of buyers covered by the policy.
Za celotni obseg poslov mora kategorija tveganja ustrezati povprečnemu tveganju kupcev, ki jih krije polica.
Annual risk premium [10](% of insured volume)
Letna premija za tveganje [10](odstotek zavarovane vsote)
Excellent [11]
Odlično [11]
Good [12]
Dobro [12]
Satisfactory [13]
Zadostno [13]
Weak [14]
Šibko [14]
For co-insurance, quota share and top-up cover, pricing is considered adequate only if the premium charged is at least 30 % higher than the premium for the (original) cover provided by a private credit insurer.
Pri sozavarovanju, kvotnem pozavarovanju in dodatnem kritju velja oblikovanje cen za ustrezno le, če je zaračunana premija vsaj 30 % višja od premije za (začetno) kritje, ki ga zagotovi zasebni zavarovatelj kreditov.
An administration fee must be added to the risk premium regardless of the term of the contract in order for pricing to be considered adequate.
Da je oblikovanje cen ustrezno, je treba premiji za tveganje prišteti upravni prispevek, ne glede na trajanje pogodbe.
EFTA States must publish the schemes put in place for risks which are considered temporarily non-marketable in accordance with point 18 on the websites of state insurers, specifying all applicable conditions.
Države Efte morajo sheme, uvedene za tveganja, ki v skladu s točko 18 veljajo za začasno netržna, objaviti na spletnih straneh državnih zavarovateljev ter pri tem navesti vse veljavne pogoje.
They must submit annual reports to the Authority on risks which are considered temporarily non-marketable in accordance with point 18 and are covered by state insurers.
Nadzornemu organu morajo predložiti letna poročila o tveganjih, ki v skladu s točko 18 veljajo za začasno netržna in jih krijejo državni zavarovatelji.
They must do so at the latest on 31 July of the year following the intervention.
To morajo storiti najpozneje do 31. julija leta, ki sledi posredovanju.
The report must contain information on use of each scheme, including in particular the total volume of credit limits granted, turnover insured, premiums charged, claims registered and paid, amounts recovered and the administrative costs of the scheme.
V poročilu morajo biti zajete informacije o uporabi vseh shem, na primer o celotnem obsegu odobrenih kreditnih limitov, zavarovanih poslih, zaračunanih premijah, zabeleženih in plačanih terjatvah, izterjanih zneskih ter administrativnih stroških sheme.
The Authority will publish the reports on its website.
Nadzorni organ bo ta poročila objavil na svoji spletni strani.
5 Procedural Issues
5 Postopkovna vprašanja
The risks specified in point 18(a) can be covered by state insurers, subject to the conditions in section 4.3.
Tveganja iz točke 18(a) lahko pod pogoji iz oddelka 4.3 krijejo državni zavarovatelji.
The Authority does not have to be notified in such cases.
V takem primeru ni treba obvestiti Nadzornega organa.
The risks specified in point 18(b), (c) and (d) can be covered by state insurers, subject to the conditions in section 4.3 and following notification to and approval by the Authority.
Tveganja iz točk 18(b), (c) in (d) lahko krijejo državni zavarovatelji pod pogoji iz oddelka 4.3, potem ko so o tem obvestili Nadzorni organ in se je ta strinjal.
Failure to fulfil any one of the conditions set out in Section 4.3 does not mean that the export-credit insurance or insurance scheme is automatically prohibited.
Če kateri od pogojev iz oddelka 4.3 ni izpolnjen, to ne pomeni, da se zavarovanje izvoznih kreditov ali zavarovalna shema samodejno prepove.
If an EFTA State wishes to deviate from any of the conditions or if there is any doubt about whether a planned export-credit insurance scheme fulfils the conditions set out in these Gudelines, the EFTA State must notify the scheme to the Authority.
Če želi država Efte odstopati od katerega od teh pogojev ali če obstaja kakršen koli dvom o tem, ali načrtovana shema zavarovanja izvoznih kreditov izpolnjuje pogoje iz teh smernic, jo mora priglasiti Nadzornemu organu.
Analysis under state aid rules does not prejudge the compatibility of a given measure with other EEA Agreement provisions.
Analiza v skladu s pravili o državni pomoči ne vpliva na skladnost določenega ukrepa z drugimi določbami Sporazuma EGP.
Modification of the list of marketable risk countries
Sprememba seznama držav s tržnimi tveganji
When determining whether the lack of sufficient private capacity justifies the temporary removal of a country from the list of marketable risk countries, as referred to in point 18(a), the Authority will take the following factors into account, in order of priority:
Pri odločanju o tem, ali nezadostne zasebne zmogljivosti upravičujejo začasno odstranitev države s seznama držav s tržnimi tveganji v skladu s točko 18(a), bo Nadzorni organ upošteval naslednje dejavnike (po prednostnem vrstnem redu):
contraction of private credit insurance capacity:
zmanjšanje zmogljivosti zasebnih zavarovateljev kreditov:
in particular, the decision of a major credit insurer not to cover risks on buyers in the country concerned, a significant decrease in total insured amounts or a significant decrease in acceptance ratios for the country concerned within a six-month period;
zlasti odločitev večjega zavarovatelja, da ne bo kril tveganj za kupce v zadevni državi, občutno zmanjšanje skupne zavarovane vsote ali občutno zmanjšanje deleža sprejemljivih poslov za zadevno državo v obdobju šest mesecev;
deterioration of sovereign sector ratings:
poslabšanje bonitetnih ocen državnega sektorja:
in particular, sudden changes in credit ratings within a six-month period, for example multiple downgrading by independent rating agencies, or a big increase in Credit Default Swap spreads;
zlasti nenadne spremembe bonitetnih ocen v obdobju šest mesecev, na primer večkratno znižanje ocene s strani neodvisnih bonitetnih agencij, ali veliko povečanje razmika kreditne zamenjave;
deterioration of corporate sector performance:
poslabšanje uspešnosti podjetniškega sektorja:
in particular, a sharp increase in insolvencies in the country concerned within a six-month period.
zlasti hitro povečanje plačilne nesposobnosti zadevne države v obdobju šest mesecev.
When market capacity becomes insufficient to cover all economically justifiable risks, the Authority may revise the list of marketable risk countries at the written request of an EFTA State or on its own initiative.
Če postanejo tržne zmogljivosti premajhne za kritje vseh ekonomsko upravičljivih tveganj, lahko Nadzorni organ na pisno zahtevo države Efte ali na lastno pobudo spremeni seznam držav s tržnimi tveganji.
If the Authority intends to modify the list of marketable risk countries in the Appendix, it will consult and seek information from EFTA States, private credit insurers and interested parties.
Če namerava Nadzorni organ spremeniti seznam držav s tržnimi tveganji iz Dodatka, se mora posvetovati z državami Efte, zasebnimi zavarovatelji kreditov in zainteresiranimi stranmi ter pridobiti informacije od njih.
The consultation and the type of information sought will be announced on the Authority's website.
Podatke o posvetovanju in vrsti informacij, ki jih potrebuje, objavi na svoji spletni strani.
The consultation period will usually not be longer than 20 working days.
Obdobje posvetovanja običajno ne presega 20 delovnih dni.
When, on the basis of the information gathered, the Authority decides to modify the list of marketable risk countries, it will inform the EFTA States in writing and announce the decision on its website.
Če se Nadzorni organ na podlagi zbranih informacij odloči, da bo spremenil seznam držav s tržnimi tveganji, o tem pisno obvesti države Efte, svojo odločitev pa objavi tudi na svoji spletni strani.
The temporary removal of a country from the list of marketable risk countries will be valid for no less than 12 months.
Začasna odstranitev države s seznama držav s tržnimi tveganji je veljavna vsaj 12 mesecev.
Insurance policies relating to the temporarily removed country which are signed during that period may be valid for a maximum of 180 days after the date on which the temporary removal ceases.
Zavarovalne police, ki se nanašajo na državo, ki je bila začasno odstranjena s seznama, sklenjene v tem času, so lahko veljavne največ 180 dni po datumu prenehanja veljavnosti začasne odstranitve.
New insurance policies may not be signed after that date.
Po tem datumu ni mogoče podpisati novih zavarovalnih polic.
Three months before the temporary removal ceases, the Authority will consider whether to prolong the removal of the country concerned from the list.
Tri mesece pred potekom začasne odstranitve bo Nadzorni organ proučil, ali naj podaljša odstranitev zadevne države s seznama.
If the Authority determines that market capacity is still insufficient to cover all economically justifiable risks, taking into account the factors set out in point 33, it may prolong the temporary removal of the country from the list, in accordance with point 35.
Če Nadzorni organ sklene, da so tržne zmogljivosti ob upoštevanju dejavnikov iz točke 33 še vedno premajhne za kritje vseh ekonomsko upravičljivih tveganj, lahko v skladu s točko 35 podaljša začasno odstranitev države s seznama.
Notification obligation for exceptions in point 18(b) and (c)
Obveznost priglasitve za izjeme v točki 18(b) in (c)
The evidence currently available to the Authority suggests that there may be a market gap as regards the risks specified in points 18(b) and (c) and that those risks are therefore non-marketable.
Iz podatkov, ki so trenutno na voljo Nadzornemu organu, je razvidno, da za tveganja iz točke 18(b) in (c) morda obstaja tržna vrzel, zato so ta tveganja netržna [15].
It must be borne in mind, however, that the lack of cover does not exist in every EEA State and that the situation could change over time, as the private sector might become interested in this segment of the market.
Vendar pa je treba upoštevati, da vse članice EGP nimajo pomanjkljivega kritja in da se stanje sčasoma lahko spremeni, če bi se začel zasebni sektor zanimati za ta segment trga.
State intervention should only be allowed for risks which the market would otherwise not cover.
Posredovanje države se lahko dovoli le za tveganja, ki jih trg sicer ne bi kril.
For these reasons, if an EFTA State wants to cover the risks specified in point 18(b) or (c), it must make a notification to the Authority pursuant to Protocol 3 of the Surveillence and Court Agreement and demonstrate in its notification that it has contacted the main credit insurers and brokers in that EFTA State [16] and given them an opportunity to provide evidence that cover for the risks concerned is available there.
Zato mora država Efte, ki želi kriti tveganja iz točke 18(b) ali (c), v skladu s Protokolom 3 k Sporazumu o nadzornem organu in sodišču obvestiti Nadzorni organ in dokazati, da je stopila v stik z glavnimi zavarovatelji in posredniki v navedeni državi Efte [16] in jim dala priložnost, da dokažejo, da je v državi na voljo kritje za zadevna tveganja.
If the credit insurers concerned do not give the EFTA State or the Authority information about the conditions of cover and insured volumes for the type of risks the EFTA State wants to cover within 30 days of receiving a request from the EFTA State to do so, or if the information provided does not demonstrate that cover for the risks concerned is available in that EFTA State, the Authority will consider the risks temporarily non-marketable.
Če zadevni zavarovatelji kreditov državi Efti ali Nadzornemu organu ne posredujejo informacij o pogojih kritja in zavarovani vsoti za vrsto tveganj, ki jih država Efta želi kriti, v 30 dneh od datuma, ko od države Efte prejmejo zahtevo po teh informacijah, ali če iz posredovanih informacij ni razvidno, da je v tej državi Efti na voljo kritje za zadevna tveganja, bo Nadzorni organ tveganja obravnaval kot začasno netržna.
Notification obligation in other cases
Obveznost priglasitve v drugih primerih
As regards the risks specified in point 18(d), the EFTA State concerned must, in its notification to the Authority pursuant to Protocol 3 of the Surveillence and Court Agreement, demonstrate that cover is unavailable for exporters in that particular EFTA State due to a supply shock in the private insurance market, in particular the withdrawal of a major credit insurer from the EFTA State concerned, reduced capacity or a limited range of products compared to other EFTA States.
V primerih iz točke 18(d) mora zadevna država Efta v svojem obvestilu Nadzornemu organu v skladu s Protokolom 3 k Pogodbi o nadzornem organu in sodišču dokazati, da kritje za izvoznike v tej državi Efti ni na voljo zaradi pretresov na področju ponudbe na trgu zasebnega zavarovanja, zlasti umika večjega zavarovatelja kreditov iz zadevne države Efte, zmanjšanja zmogljivosti ali omejenega obsega produktov v primerjavi z drugimi državami Efte.
6 Date of application and duration
6 Začetek uporabe in trajanje
The Authority will apply the principles in these Gudelines from the date of their adoption until 31 December 2018.
Nadzorni organ bo uporabljal načela iz teh smernic od dneva njihovega sprejetja do 31. decembra 2018.
These Guidelines correspond to the Communication from the European Commission to the Member States on the application of Article 107 and 108 of the Treaty on the Functioning of the European Union to short-term export-credit insurance, 6.12.2012 (OJ C 392, 19.12.2012, p. 1).
Te smernice ustrezajo Sporočilu Komisije državam članicam o uporabi členov 107 in 108 Pogodbe o delovanju Evropske unije za kratkoročno zavarovanje izvoznih kreditov, 6.12.2012 (UL C 392, 19.12.2012, str. 1).
OJ L 120, 23.4.1998, p. 27 and EEA Supplement No 16, 23.4.1998, p. 1.
UL L 120, 23.4.1998, str. 27 in Dopolnilo EGP št. 16, 23.4.1998, str. 1.
OJ L 30, 31.1.2002, p. 52 and EEA Supplement No 7, 31.1.2002, p. 1.
UL L 30, 31.1.2002, str. 52 in Dopolnilo EGP št. 7, 31.1.2002, str. 1.
OJ L 228, 16.8.1973, p. 3, cf. Point 2 of Annex IX to the EEA Agreement.
UL L 228, 16.8.1973, str. 3, glej točko 2 Priloge IX k Sporazumu EGP.
In its judgment in Case C-142/87 Kingdom of Belgium v Commission of the European Communities, the European Court of Justice held that not only aid for intra-Union exports, but also aid for exports outside the Union, can influence intra-Union competition and trade.
Sodišče je v zadevi Kraljevina Belgija proti Komisiji Evropskih skupnosti (C-142/87) izreklo sodbo, da lahko na konkurenco in trgovino znotraj Unije ne vpliva le pomoč za izvoz znotraj Unije, ampak tudi pomoč za izvoz izven Unije.
Both types of operation are insured by export-credit insurers and aid for both can therefore affect intra-Union competition and trade.
Zavarovatelji izvoznih kreditov zavarujejo obe vrsti poslovanja in pomoč obojemu lahko torej vpliva na konkurenco in trgovino znotraj Unije.
Council Directive 91/674/EC of 19.12.1991 on the annual accounts and consolidated accounts of insurance undertakings (OJ L 374, 31.12.1991, p. 7), as adapted for the purpose of the EEA Agreement by the EEA Joint Committee Decision No 7/94 (OJ L 160, 28.6.1994; EEA Supplement No 17, 28.6.1994).
Direktiva Sveta 91/674/ES z dne 19. decembra 1991 o letnih računovodskih izkazih in konsolidiranih računovodskih izkazih zavarovalnic (UL L 374, 31.12.1991, str. 7), kakor je bila za namene Sporazuma EGP posodobljena s Sklepom Skupnega odbora EGP št. 7/94 (UL L 160, 28.6.1994; Dopolnilo EGP št. 17, 28.6.1994).
For each relevant risk category, the safe-harbour risk premium range was established on the basis of one-year Credit Default Swap (CDS) spreads, based on a composite rating including ratings of all three main credit rating agencies (Standard & Poor, Moody’s and Fitch), for the past five years (2007–11), assuming that average recovery ratios for short-term export-credit insurance are 40 %.
Za vsako kategorijo tveganja je bil obseg premije varnega pristana določen na podlagi enoletne zamenjave kreditnega tveganja na podlagi sestavljene bonitetne ocene, ki vsebuje ocene vseh treh glavnih bonitetnih agencij (Standard & Poor's, Moody's in Fitch) za zadnjih pet let (2007–2011), ob predpostavki, da znaša povprečna stopnja povračila za kratkoročno zavarovanje izvoznih kreditov 40 %.
The ranges were subsequently made continuous to better cater for the fact that risk premiums do not remain constant over time.
Obsegi so bili pozneje določeni neprekinjeno, da se bolje upošteva dejstvo, da se premije za tveganje sčasoma spreminjajo.
The buyers’ risk categories are based on credit ratings.
Kategorije tveganja kupcev temeljijo na bonitetnih ocenah.
Ratings do not need to be obtained from specific rating agencies.
Bonitetnih ocen ni treba prevzeti po bonitetnih agencijah.
National rating systems or rating systems used by banks are equally acceptable.
Prav tako so sprejemljivi nacionalni sistemi za ocenjevanje kreditne sposobnosti ali sistemi za ocenjevanje, ki jih uporabljajo banke.
For firms without a public rating, a rating based on verifiable information could be applied.
Za družbe brez javne bonitetne ocene je mogoče določiti bonitetno oceno na podlagi preverljivih podatkov.
Safe harbour for a 30-day insurance contract can be obtained by dividing the annual risk premium by 12.
Premijo varnega pristana za 30-dnevno zavarovalniško pogodbo je mogoče izračunati, če se letno premijo za tveganje deli z 12.
The excellent risk category includes risks equivalent to AAA, AA+, AA, AA-, A+, A, A- in Standard & Poor’s credit ratings.
Kategorija tveganja „odlično“ vključuje tveganja, ekvivalentna bonitetnim ocenam AAA, AA+, AA, AA–, A+, A, A– agencije Standard & Poor's.
The good risk category includes risks equivalent to BBB+, BBB or BBB- in Standard & Poor’s credit ratings.
Kategorija tveganja „dobro“ vključuje tveganja, ekvivalentna bonitetnim ocenam BBB+, BBB ali BBB– agencije Standard & Poor's.
The satisfactory risk category includes risks equivalent to BB+, BB or BB- in Standard & Poor’s credit ratings.
Kategorija tveganja „zadostno“ vključuje tveganja, ekvivalentna bonitetnim ocenam BB+, BB ali BB– agencije Standard & Poor's.
The weak risk category includes risks equivalent to B+, B or B- in Standard & Poor’s credit ratings.
Kategorija tveganja „šibko“ vključuje tveganja, ekvivalentna bonitetnim ocenam B+, B ali B– agencije Standard & Poor's.
See the Communication from the European Commission to the EU Member States on the application of Article 107 and 108 of the Treaty on the Functioning of the European Union to short-term export-credit insurance, 6.12.2012 (OJ C 392, 19.12.2012, p. 1) para. 37.
Glej odstavek 37 Sporočila Komisije državam članicam o uporabi členov 107 in 108 Pogodbe o delovanju Evropske unije za kratkoročno zavarovanje izvoznih kreditov, 6.12.2012 (UL C 392, 19.12.2012, str. 1).
The contacted credit insurers and brokers should be representative in terms of the products offered (for example, specialised providers for single risks) and the size of the market they cover (for example, representing jointly a minimum share of 50 % of the market).
Zavarovatelji in posredniki, s katerimi stopijo države v stik, morajo biti reprezentativni glede na produkte, ki jih ponujajo (na primer specializirani ponudniki na področju kritja enega tveganja), in velikost trga, ki ga pokrivajo (na primer skupaj predstavljajo vsaj 50 % trga).
The 1998 Guidelines were to be applied for a period of almost five years from 1 June 1998.
Smernice iz leta 1998 naj bi se uporabljale za obdobje skoraj petih let od 1. junija 1998.
They were subsequently amended and their period of application was prolonged in 2001 [3].
Pozneje so bile spremenjene, njihovo obdobje veljavnosti pa se je leta 2001 podaljšalo [3].
‘whole turnover policy’ means a credit insurance policy other than single risk-cover; that is to say, a credit insurance policy that covers all or most of the credit sales of the insured as well as payment receivables from sales to multiple buyers.
„celotni obseg poslov“ pomeni polico zavarovanja kreditov, pri kateri ne gre za kritje enega tveganja, se pravi polico zavarovanja kreditov, ki krije vse ali večino prodaj kreditov zavarovanca, pa tudi terjatve iz prodaje več kupcem.
No 73/13/COL
št. 73/13/COL
amending for the eighty-ninth time the procedural and substantive rules in the field of state aid by introducing a new chapter on the application of state aid rules in relation to the rapid deployment of broadband networks
o devetinosemdeseti spremembi procesnih in materialnih pravil na področju državne pomoči z uvedbo novega poglavja o uporabi pravil o državni pomoči v zvezi s hitro postavitvijo širokopasovnih omrežij
HAVING regard to the Agreement on the European Economic Area [1], in particular to Articles 61 to 63 and Protocol 26 thereof,
OB UPOŠTEVANJU Sporazuma o Evropskem gospodarskem prostoru [1] in zlasti členov 61 do 63 ter Protokola 26 k Sporazumu,