natgillin/translations-raw huggingface dataset:
Furthermore , the EPC has recently started to Migration to SEPA credit transfer ( percentages ) volume of transactions processed in SEPA format as a percentage of total transactions 1.6 1.5 1.4 1.3 1.2 1.1 1.0 0.9 0.8 0.7 0.6 0.5 0.4 1.6 1.5 1.5 1.4 1.4 1.3 1.2 1.1 1.0 0.9 0.8 0.7 0.6 0.5 0.4 Aug .
Pred kratkim je EPC začel analizirati tudi zahteve za uskladitev standardov za sporočila med banko in komitentom ( obvestilo o plačilu , izpisek o prometu in stanju na računu ) .
2008 analyse the requirements for harmonising the bank-to-customer message standards , i.e. the messages for notification of payment , account report and account statement .
In končno je EPC obravnaval tudi zahteve gospodarskih družb glede podatkov o plačilih .
Finally , the EPC addressed the requirements from corporates related to remittance information . The EPC approved a guidance document which will allow early movers to implement the ISO standard that is under development for a « Structured creditor reference to the remittance information » as soon as it is an approved international standard .
Odobril je usmeritve , ki bodo zgodnjim uporabnikom omogočile , da standard ISO za „strukturirano referenco prejemnika k podatkom o plačilu » , ki je trenutno v pripravi , uvedejo takoj , ko bo sprejet kot mednarodni standard . Obenem je Eurosistem izpostavil še preostalih nekaj ovir pri uvajanju kreditnih plačil SEPA .
However , the Eurosystem has identified some remaining obstacles to the take-up of the SCT .
Raven storitev pri KPS še ni povsem primerljiva z ravnjo , ki so je bančni komitenti vajeni pri obstoječih nacionalnih kreditnih plačilih .
Customer experience of the SCT cannot yet be fully compared with the experience of existing national credit transfers .
Tako na primer ni vedno mogoče opraviti plačila na vnaprej določen datum ali opravljati periodičnih plačil , v nekaterih spletnih bančnih aplikacijah pa je treba odpreti posebno okno ali s seznama vseh držav na svetu izbrati ustrezno državo SEPA .
For example , it is not always possible to make payments with a scheduled execution date and / or periodic payments , and some online banking applications 3 Version 3.2 of the SCT Rulebook is an update of Version 3.0 ( approved in December 2006 ) and will replace the currently « live » Version 2.3 on 2 February 2009 .
Različica 3.2 pravilnika KPS je posodobitev različice 3.0 ( odobrene decembra 2006 ) in bo sedanjo „živo » različico 2.3 nadomestila 2 . februarja 2009 .
Although a Version 3.1 was developed , it was not approved .
Različica 3.1 je bila sicer pripravljena , vendar ni bila odobrena .
Some changes in the Rulebook will only take effect as of 1 November 2009 , the implementation deadline for the Payment Services Directive .
Nekatere spremembe v pravilniku bodo začele veljati šele 1 . novembra 2009 , ko bo potekel rok za izvedbo direktive o plačilnih storitvah .
SEPA now comprises 31 countries , i.e. the 27 EU Member States , Norway , Iceland , Liechtenstein and Switzerland , as well as territories that are deemed to be a part of the EU under Article 299 of the Treaty of Rome ( Martinique , Guadeloupe , French Guiana , Réunion , Gibraltar , the Azores , Madeira , Canary Islands , Ceuta and Melilla , and the Aland Islands ) .
SEPA zdaj vključuje 31 držav , in sicer 27 držav članic EU , Norveško , Islandijo , Liechtenstein in Švico , kot tudi ozemlja , ki so po členu 299 Rimske pogodbe del EU ( Martinique , Guadeloupe , Francoska Gvajana , Réunion , Gibraltar , Azori , Madeira , Kanarski otoki , Ceuta in Melilla ter Alandski otoki ) .
The EPC has developed general principles and criteria for countries and territories wishing to become part of SEPA .
EPC je oblikoval splošna načela in merila za države in ozemlja , ki želijo vstopiti v območje SEPA .
ECB Sixth single euro payments area ( SEPA ) progress report November 2008 require a specific screen to be opened or a SEPA country to be selected from a list of all countries in the world .
ECB Enotno območje plačil v eurih : šesto poročilo o napredku november 2008
This shows that SEPA payments are being offered by many banks in the euro area as cross-border payments in euro , instead of as normal « domestic » payments .
čju plačila SEPA ponujajo kot čezmejna plačila v eurih in ne kot normalna „domača » plačila .
With regard to IBAN and BIC , the Eurosystem would like to invite banks to start consistently using these identifiers instead of the national ones and to encourage all creditors to present these identifiers on their invoices or tax invoice statements .
V zvezi z IBAN in BIC Eurosistem banke poziva , naj namesto nacionalnih oznak začnejo dosledno uporabljati ti dve kodi in vse prejemnike plačil tako spodbudijo k temu , da IBAN in BIC navedejo na svojih računih ali davčnih obrazcih .
The Eurosystem welcomes the fact that banks have agreed to facilitate or offer conversion services to IBAN and BIC for ( corporate ) customers that would like to update their account number databases .
Eurosistem pozdravlja dejstvo , da so banke privolile , da bodo omogočile ali opravile pretvorbo v IBAN in BIC za ( pravne ) osebe , ki bi želele posodobiti svoje podatkovne baze številk računov . Da bi k uporabi KPS spodbudili manjše uporabnike , tj .
To stimulate the use of SCT by smaller users , i.e. citizens and SMEs , it would be helpful if banks would require them to use IBAN only ; the bank of the ordering customer would then add the correct BIC by retrieving this from databases available on the market .
fizične osebe ter mala in srednje velika podjetja , bi bilo koristno , če bi banke od svojih komitentov zahtevale , da uporabljajo samo IBAN , banka nalogodajalca pa bi potem vnesla pravilen BIC iz baz podatkov , ki obstajajo na trgu .
Furthermore , the Eurosystem would welcome the abolition of national restrictions on the use of SCT , such as the requirement to use pricing options other than SHARE for certain payments .
Poleg tega Eurosistem priporoča odpravo nacionalnih omejitev glede uporabe KPS , kakršna je zahteva za uporabo cenovnih modelov razen SHARE za nekatera plačila .
In the same vein , the market , together with the relevant national authorities , should resolve as soon as possible the lack of clarity on Balanceof-Payments reporting via payment instructions .
Podobno bi moral trg skupaj s pristojnimi nacionalnimi organi čimprej odpraviti nejasnosti glede poročanja za namene plačilne bilance na podlagi plačilnih nalogov .
The Governing Council of the ECB gave clear guidance on this issue in February 2008 .
Svet ECB je v zvezi s tem vprašanjem februarja 2008 izdal jasne smernice .
It should be recalled that the benefits of switching to SEPA payments for large users , such as corporates and public administrations , are as follows . First , there will be a single , streamlined procedure for all European payments , instead of separate and sometimes laborious procedures for domestic and intra-European cross-border payments .
Spomniti velja , da so prednosti prehoda na plačila SEPA za velike uporabnike , kot so gospodarske družbe in javne uprave , naslednje : prvič , namesto ločenih in včasih zamudnih postopkov za domača in čezmejna plačila v Evropi bo obstajal en sam poenoten postopek za vsa evropska plačila ;
Second , there will be a larger choice of banks competing for this service .
drugič , konkurenčna izbira med bankami , ki ponujajo to storitev , bo večja ;
Finally , prices for SEPA instruments will also reflect increased economies of scale in their processing .
in končno , cena plačilnih instrumentov SEPA bo odražala tudi večjo ekonomijo obsega pri njihovem procesiranju .
In order to bring these professional users on board , banks also need to deliver a service that includes common message standards all the way from one customer to the other customer , both in the customer-to-bank domain and in the bank-to-customer domain , i.e. respectively the messages for payments initiation and notification of payment , account report and account statement .
Da bi banke pridobile te poslovne uporabnike , morajo zagotoviti tudi storitev , ki vključuje enotne standarde za sporočila na celi poti od ene stranke do druge , tako v domeni komitent -- banka kot tudi v domeni banka -- komitent , torej tako za sprožitev plačila in obvestilo o plačilu kot za izpisek o prometu in stanju na računu .
The EPC is invited to also develop the technical XML-schemas for the messages .
EPC bi lahko razvil tudi tehnične XML-sheme za sporočila .
The Eurosystem would like to invite every bank to provide the message standards as a minimum offer , meaning that bank proprietary messages could be used in the customer-tobank and bank-to-customer domain , but only in addition to the standardised messages .
Eurosistem vse banke poziva , da kot minimalno ponudbo zagotovijo standarde za sporočila , kar pomeni , da bi bančna lastniška sporočila lahko uporabljali v domenah komitent -- banka in banka -- komitent , vendar samo kot dodatek standardiziranim sporočilom .
The Eurosystem encourages public administrations , in accordance with the ECOFIN conclusions of 22 January 2008 , to lead by example and become early adopters of the SEPA payment instruments , as SEPA is a major political objective for Europe and also an important facilitator for e-government projects .
Eurosistem spodbuja javne uprave , da v skladu s sklepi Ekonomsko-finančnega sveta z dne 22 . januarja 2008 z zgodnjo uporabo plačilnih instrumentov SEPA dajo zgled drugim uporabnikom , saj je SEPA eden glavnih političnih ciljev za Evropo , hkrati pa tudi pomemben element v projektih e-uprave .
Central banks will migrate early to the SCT for their own payments , and promote the use of the SCT by the public administrations for which they may act as payment service provider .
Centralne banke bodo za lastna plačila zgodaj migrirale na KPS in bodo pri tistih plačilih , pri katerih delujejo kot izvajalci plačilnih storitev , javne uprave spodbujale , da uporabljajo KPS .
In the medium term , further improvements will be needed to make the SCT a lasting success , especially as far as eSEPA is concerned , as SEPA should not end with only core and basic products , but should respond to valid user requirements .
Na srednji rok bodo za trajno uspešnost KPS potrebne dodatne izboljšave , še posebej na področju eSEPA , saj se SEPA ne sme končati samo z osrednjimi in osnovnimi produkti , ampak se mora odzivati na upravičene zahteve uporabnikov .
Paragraph 1.3 describes some of these required improvements .
Nekatere od teh zahtev so opisane v razdelku 1.3 .
Moreover , the Eurosystem reaffirms its view that , in the long term , the payment industry needs to develop a more user-friendly account identifier than the IBAN .
Poleg tega Eurosistem potrjuje svoje stališče , da mora plačilni sektor na dolgi rok razviti oznako računa , ki bo uporabnikom prijaznejša , kot je IBAN .
The Eurosystem is pleased that the EPC has set up a dedicated working group on information security and will define good practices by the end of 2008 .
Eurosistem pozdravlja dejstvo , da je EPC oblikoval posebno delovno skupino za varnost informacij in bo do konca leta 2008 opredelil načela dobre prakse .
Electronic payment channels provide outstanding efficiency for both banks and their customers .
Elektronski plačilni kanali so izjemno učinkoviti tako za banke kot tudi za njihove stranke .
Therefore , trust , availability and usability of e-channels must be safeguarded .
Zato je zaupanje , dostopnost in uporabnost e-kanalov treba ohranjati in varovati .
Moreover , cyber crime is dynamic and innovative , and all market participants , authorities and customers need to fight it together .
Poleg tega je računalniški kriminal dinamičen in inovativen , zato se morajo proti njemu vsi tržni udeleženci , javna uprava in stranke boriti skupaj .
To reap the benefits of SEPA , we must avoid differing security practices or a « race to the bottom » competition for reduced security ECB Sixth single euro payments area ( SEPA ) progress report November 2008
Da bi lahko v celoti izkoristili prednosti SEPA , je treba preprečiti uvajanje različnih varnostnih postopkov ali „dirko do dna » pri izdatkih za varnost .
expenses . A common , high level of security for SEPA transactions is essential , especially in the field of Internet banking , card payments and online payments .
Bistveno je , da so transakcije SEPA izjemno varne , še posebej na področju internetnega bančništva , kartičnih plačil in spletnih plačil .
Banks are invited to commit to the appropriate security standards and recommendations , and to take into account the perspectives of the banks , as well as those of their customers when deciding on security issues .
Eurosistem poziva banke , da spoštujejo ustrezne varnostne standarde in priporočila ter da pri odločanju o varnostnih vprašanjih upoštevajo ne le svoje , ampak tudi interese strank . Ker je ECB Enotno območje plačil v eurih : šesto poročilo o napredku november 2008
Given that the safety of Internet banking and online payments is dependent on many actors ( e.g. banks , software / hardware vendors , end-users , legislators , law enforcement ) , coordination between stakeholders should be encouraged . For example , improved cooperation with the community legislator is needed to investigate the harmonisation of the legal framework for fighting e-crime .
varnost internetnega bančništva in spletnih plačil odvisna od številnih deležnikov ( npr . bank , ponudnikov strojne in programske opreme , končnih uporabnikov , zakonodajnih organov , organov kazenskega pregona ) , je pomembno , da vsi delujejo usklajeno .
1.2 SEPA DIRECT DEBIT : PROGRESS AND GUIDANCE in December 2008 as part of the Core SDD Rulebook .
Tako je na primer za preučitev usklajenosti pravnega okvira za boj proti e-kriminalu potrebno boljše sodelovanje z zakonodajnim organom Skupnosti . 1.2 DIREKTNA OBREMENITEV SEPA : NAPREDEK IN USMERITVE V minulem letu je EPC dosegel precejšen napredek pri pripravi dveh predvidenih shem za direktne obremenitve .
The harmonisation of the European legal framework is key for the SDD . The Payment Services Directive 6 ( PSD ) was formally adopted in November 2007 and contains a number of provisions , which are crucial to provide a sound legal basis across the EU for the processing of payment instruments , such as direct debits .
Junija 2008 je odobril različico 3.1 pravilnika osrednje sheme direktnih obremenitev SEPA ( SEPA Core Direct Debit Scheme Rulebook ) in različico 1.1 pravilnika medpodjetniške sheme SEPA ( SEPA Business-to-Business ( B2B ) Scheme Rulebook ) . Ta pravilnika trenutno predstavljata temelj za uvedbo direktnih obremenitev SEPA , ki je predvidena za 1 .
Another aim is to increase competition in the payment market by introducing the concept of Payment Institutions , which can provide certain payment services under a lighter supervision framework .
EPC poleg tega razvija rešitev e-pooblastil , ki bo udeleženim strankam omogočila , da pooblastilo za transakcijo direktne obremenitve izdajo v nepapirni oz .
According to the European Commission , the EU Member States are well on track with regard to transposing the PSD into national law before the deadline of 1 November 2009 .
povsem elektronski obliki , in ki za večjo varnost uporablja storitve potrditve , ki jih opravlja dolžnikova banka .
The PSD will facilitate the operational implementation of SEPA , especially of the SDD .
EPC je opis storitve e-pooblastil za razpravo med deležniki predstavil junija -- julija 2008 in pripravlja opis „modela e-poslovanja » ( e-Operating Model ) ( ki bi lahko služil tudi kot tehnična osnova za e-plačila SEPA , glej razdelek 1.3 ) , ki je bil v razpravo deležnikom predložen oktobra -- novembra 2008 .
In the light of the importance of the PSD for the implementation of SEPA , the Eurosystem would like to encourage Member States to transpose the Directive into national legislation in a timely and coherent way .
Varnostni koncept bo tretji vidik storitve e-pooblastil . Predvideno je , da bo EPC končno različico rešitve e-pooblastil odobril decembra 2008 v okviru pravilnika osrednje sheme DOS .
Moreover , the transposition process provides an excellent legislative opportunity to ensure the continued validity of existing direct debit mandates for use with the SDD , thereby avoiding a costly and time-consuming mandate renewal process .
Harmonizacija evropskega pravnega okvira je za DOS ključna . Direktiva o plačilnih storitvah 6 je bila sprejeta novembra 2007 in vključuje vrsto določil , ki so ključna za vzpostavitev trdne pravne osnove na ravni EU za procesiranje plačilnih instrumentov , kot so direktne obremeni -
The continued validity of existing mandates is a major critical success factor for a swift migration to the SDD . The Eurosystem welcomes the establishment by the European Commission of a transposition working group to ensure a harmonised transposition .
tve . Drugi cilj je povečati konkurenco na trgu plačilnih storitev z uvedbo koncepta plačilnih institucij , ki smejo nekatere plačilne storitve izvajati v okviru blažjega nadzora .
In the past year , the EPC has made solid progress towards finalising the two direct debit schemes foreseen .
Po navedbah Evropske komisije države članice EU uspešno prenašajo direktivo v nacionalno zakonodajo in bodo postopek zaključile do predvidenega roka , tj .
In June 2008 , the EPC approved Version 3.1 of the SEPA Core Direct Debit Scheme Rulebook and Version 1.1 of the SEPA Business-to-Business ( B2B ) Scheme Rulebook . These two Rulebooks currently form the basis for the roll-out of SDD , which is scheduled for 1 November 2009 5 .
Direktiva bo omogočila operativno vzpostavitev SEPA , še zlasti sheme DOS . Glede na pomen direktive za vzpostavitev SEPA bi Eurosistem države članice rad spodbudil k pravočasnemu in skladnemu prenosu direktive v nacionalno zakonodajo .
The EPC is urgently invited to reconfirm this launch date in order to give clarity to all stakeholders . The EPC is also in the process of developing an e-mandate solution , i.e. a solution which allows the involved parties to issue and process the necessary authorisation for a direct debit transaction in a paperless , fully electronic manner , which uses the validation services of the debtor 's bank to provide increased security .
Poleg tega predstavlja proces prenosa odlično zakonodajno priložnost , da se zagotovi nadaljnja veljavnost obstoječih pooblastil za direktne obremenitve tudi za DOS , s čimer bi se izognili dragemu in zamudnemu procesu podaljševanja pooblastil . Nadaljnja veljavnost obstoječih pooblastil je glavni kritični dejavnik uspeha za hitro migracijo na DOS .
The EPC released the e-mandates Service Description for stakeholder consultation in June-July 2008 and is working on the description of the « e-Operating Model » ( which could also serve as a technical basis for SEPA e-Payments ; see Section 1.3 ) , which has been submitted for stakeholder consultation in October-November 2008 .
Drugi zakonodajni postopek Skupnosti , ki pomembno vpliva na DOS , je revizija Uredbe 2560/2001 o čezmejnih plačilih v eurih 7 . Po splošni oceni je sprejem uredbe spodbudil bančni sektor , da je leta 2002 začel razvijati območje SEPA .
The Security Concept will be the third aspect of the e-mandate services . It is envisaged that the final version of the e-mandate solution will be approved by the EPC
Evropska komisija je zdaj sprejela predlog , ki uredbo prilagaja sedanjim razmeram v plačilnem prometu , saj vključuje tudi transakcije direktne obremenitve 8 .
6 Version 3.1 of the Core SDD Rulebook is an update of Version 2.3 ( approved in June 2007 ) .
To bo pomenilo , da cene produktov DOS ne smejo biti višje od cen , 5 Različica 3.1 pravilnika za osrednje DOS je posodobitev različice 2.3 ( ki je bila odobrena junija 2007 ) .
Although a Version 3.0 was developed , it was not approved .
Različica 3.0 je bila sicer razvita , vendar ni bila odobrena .
The changes consist of legal changes , factual corrections and changes resulting from the adoption of a B2B Rulebook .
Spremembe obsegajo pravne spremembe , faktografske popravke in spremembe , ki so bile potrebne zaradi odobritve medpodjetniškega pravilnika .
The new version also aims at improving the service quality , mainly by adding « ( category ) purpose » and « reference party » , which were also changed in the SCT Rulebook , as well as new detailed exception handling procedures and a change in the validity of mandates from 18 to 36 months .
Namen nove različice je tudi izboljšati kakovost storitev , predvsem z uvedbo kod „namen plačila » in „končni nalogodajalec / prejemnik » , ki sta bili spremenjeni tudi v pravilniku za KPS , pa tudi z novimi podrobnimi postopki za obravnavo izjem in spremembo veljavnosti pooblastil z 18 na 36 mesecev .
Directive 2007/64 / EC of the European Parliament and of the Council of 13 November 2007 on payment services in the internal market amending Directives 97/7 / EC , 2002/65 / EC , 2005/60 / EC and 2006/48 / EC and repealing Directive 97/5 / EC . 16
Direktiva 2007/64 / ES Evropskega parlamenta in Sveta z dne 13 . novembra 2007 o plačilnih storitvah na notranjem trgu in o spremembah direktiv 97/7 / ES , 2002/65 / ES , 2005/60 / ES in 2006/48 / ES ter o razveljavitvi direktive 97/5 / ES .
ECB Sixth single euro payments area ( SEPA ) progress report November 2008
Uredba Evropskega parlamenta in Sveta ( ES ) št . 2560/2001 z dne 19 .
A second Community legislative process which has major consequences for the SDD is the review of Regulation 2560/2001 on cross-border payments in euro 7 . It is widely recognised that the adoption of the Regulation was the trigger for the banking industry to start developing SEPA in 2002 .
decembra 2001 o čezmejnih plačilih v eurih . Glej stran http://ec.europa.eu/internal_market/payments/crossborder/index_en.htm .
The European Commission has now adopted a proposal adapting the Regulation to the current payments landscape , i.e. by extending it to include direct debit transactions 8 .
ECB Enotno območje plačil v eurih : šesto poročilo o napredku november 2008 ki veljajo za ustrezne nacionalne produkte direktne obremenitve .
This will mean that the prices for SDD products may not exceed those for the corresponding national direct debit product . The review also entails raising the exemption threshold for Balance-of-Payments ( BOP ) reporting from Euros 12,500 to Euros 50,000 by 1 January 2010 at the latest and a « sunset clause » for BOP reporting up to 1 January 2012 at the latest , meaning that reporting based on payment messages should cease on that date .
januarja 2010 prag izvzetja za obveznost poročanja za namene plačilne bilance zvišal z 12.500 EUR na 50.000 EUR , vključena pa je tudi „klavzula o izteku » obveznosti poročanja za namene plačilne bilance najkasneje do 1 . januarja 2012 , kar pomeni , da bo obveznost poročanja , ki temelji na plačilnih sporočilih , na ta dan prenehala .
A revised Regulation would further facilitate the implementation of SEPA .
Revidirana uredba bo dodatno spodbudila proces vzpostavitve SEPA .
A year ahead of its launch , many uncertainties remain with regard to the SDD , and these pose an obstacle to its timely launch and successful take-up .
Leto dni pred uvedbo DOS še vedno obstaja vrsta odprtih vprašanj in ta vprašanja predstavljajo oviro za pravočasno uvedbo in uspešno uveljavitev tega plačilnega instrumenta .
Of these , the ongoing debate about a multilateral interchange fee ( MIF ) is the most important .
Med njimi je najpomembnejša razprava o multilateralni medbančni proviziji ( multilateral interchange fee -- MIF ) .