natgillin/translations-raw huggingface dataset:
Annex III , Part 1 , Table , footnote Annex III , Part 2 , Section 2 , point 2.1 Annex III , Part 2 , Section 2 , point 2.2 Annex III , Part 2 , Section 2 , point 2.3 Annex III , Part 2 , Section 2 , point 2.4 Annex III , Part 1 , Table Annex II , Part 2 , Table Article 8 Annex IV Article 13
Priloga III , del 1 , tabela , opomba Priloga III , del 2 , oddelek 2 , točka 2.1 Priloga III , del 2 , oddelek 2 , točka 2.2 Priloga III , del 2 , oddelek 2 , točka 2.3 Priloga III , del 2 , oddelek 2 , točka 2.4 Priloga III , del 1 , tabela Priloga II , del 2 , tabela Člen 8 Priloga IV Člen 13
EUROPEAN CENTRAL BANK OPINION OF THE EUROPEAN CENTRAL BANK of 5 May 2008 at the request of the Council of the European Union on a proposal for a regulation of the European Parliament and of the Council adapting a number of instruments subject to the procedure referred to in Article 251 of the Treaty to Council Decision 1999/468 / EC , as amended by Decision 2006/512 / EC , with regard to the regulatory procedure with scrutiny ( CON / 2008/19 ) ( 2008 / C 117/01 ) Introduction and legal basis On 17 March 2008 , the European Central Bank ( ECB ) received a request from the Council of the European Union for an opinion on a proposed regulation of the European Parliament and of the Council adapting a number of instruments subject to the procedure referred to in Article 251 of the Treaty to Council Decision 1999/468 / EC , as amended by Decision 2006/512 / EC , with regard to the regulatory procedure with scrutiny ( hereinafter the « proposed regulation ') ( 1 ) .
maja 2008 na zahtevo Sveta Evropske unije o predlogu uredbe Evropskega parlamenta in Sveta o prilagoditvi nekaterih aktov , za katere se uporablja postopek iz člena 251 Pogodbe , Sklepu Sveta 1999/468 / ES , kakor je bil spremenjen s Sklepom 2006/512 / ES , glede regulativnega postopka s pregledom ( CON / 2008/19 ) ( 2008 / C 117/01 ) Uvod in pravna podlaga Evropska centralna banka ( ECB ) je dne 17 . marca 2008 prejela zahtevo Sveta Evropske unije za mnenje o predlogu uredbe Evropskega parlamenta in Sveta o prilagoditvi nekaterih aktov , za katere se uporablja postopek iz člena 251 Pogodbe , Sklepu Sveta 1999/468 / ES , kakor je bil spremenjen s Sklepom 2006/512 / ES , glede regulativnega postopka s pregledom ( v nadaljevanju : „predlagana uredba ") ( 1 ) .
The ECB 's competence to deliver an opinion on the proposed regulation is based on Article 105 ( 4 ) of the Treaty establishing the European Community .
Pristojnost ECB , da poda mnenje o predlagani uredbi , temelji na členu 150 ( 4 ) Pogodbe o Evropski skupnosti .
General observations The proposed regulation will result in the introduction of the new « regulatory procedure with scrutiny » , inter alia , as regards implementing powers conferred on the Commission in relation to a number of Community instruments in the field of statistics .
Splošne pripombe Predlagana uredba bo vodila do uvedbe novega „regulativnega postopka s pregledom » , med drugim glede Komisiji podeljenih izvedbenih pooblastil v zvezi z nekaterimi akti Skupnosti na področju statistike .
The ECB has no specific comments on the provisions of the proposed regulation as they are in line with the joint statement of the European Parliament , the Council and the Commission on the introduction of the new « regulatory procedure with scrutiny » into the comitology framework ( 2 ) .
ECB nima posebnih pripomb k določbam predlagane uredbe , ker so v skladu s skupno izjavo Evropskega parlamenta , Sveta in Komisije o uvedbi novega „regulativnega postopka s pregledom » v okvir komitologije ( 2 ) .
Having regard to the significant role played by implementing measures in EU legislation in the field of statistics , the ECB takes this opportunity to underline the importance of its advisory role under Article 105 ( 4 ) of the Treaty , which requires the ECB to be consulted « on any proposed Community act in its fields of competence » .
Glede na pomembno vlogo , ki jo imajo izvedbeni ukrepi v zakonodaji EU na področju statistike , ECB ob tej priložnosti poudarja pomembnost svoje svetovalne vloge po členu 105 ( 4 ) Pogodbe , ki zahteva posvetovanje z ECB „glede vseh predlaganih aktov Skupnosti na področjih iz njene pristojnosti » .
In line with the stance taken in previous ECB opinions in relation to implementing measures in the field of financial services ( 3 ) , the ECB considers that the proposed statistical implementing measures are ( 1 ) COM ( 2007 ) 741 final and COM ( 2008 ) 71 final .
V skladu s stališčem iz prejšnjih mnenj ECB v zvezi z izvedbenimi ukrepi na področju finančnih storitev ( 3 ) , ECB meni , da so ( 1 ) COM ( 2007 ) 741 konč . in COM ( 2008 ) 71 konč .
The ECB opinion was requested with regards to the first and fourth part of the proposed regulation .
ECB je bila zaprošena za mnenje v zvezi s prvim in četrtim delom predlagane uredbe .
( 2 ) Statement by the European Parliament , the Council and the Commission concerning the Council Decision of 17 July 2006 amending Decision 1999/468 / EC laying down the procedures for the exercise of implementing powers conferred on the Commission ( 2006/512 / EC ) ( OJ C 255 , 21.10.2006 , p. 1 ) .
( 2 ) Izjava Evropskega parlamenta , Sveta in Komisije o Sklepu Sveta z dne 17 . julija 2006 o spremembah Sklepa 1999/468 / ES o določitvi postopkov za uresničevanje Komisiji podeljenih izvedbenih pooblastil ( 2006/512 / ES ) ( UL C 255 , 21.10.2006 , str .
3 ( ) See the introductory paragraph of ECB Opinion CON / 2006/57 of 12 December 2006 on a draft Commission Directive implementing Council Directive 85/611 / EEC on the coordination of laws , regulations and administrative provisions relating to undertakings for collective investment in transferable securities ( UCITS ) as regards the clarification of certain definitions ( OJ C 31 , 13.2.2007 , p. 1 ) ;
( 3 ) Glej uvodni odstavek mnenja ECB CON / 2006/57 z dne 12 . decembra 2006 o predlogu Direktive Komisije o izvajanju Direktive Sveta 85/611 / EGS o usklajevanju zakonov in drugih predpisov o kolektivnih naložbenih podjemih za vlaganja v prenosljive vrednostne papirje ( KNPVP ) glede razjasnitve nekaterih opredelitev ( UL C 31 , 13.2.2007 , str .
see also paragraph 1.2 of the ECB Opinion CON / 2007/4 of 15 February 2007 at the request of the Council of the European Union on eight proposals amending Directives 2006/49 / EC , 2006/48 / EC , 2005/60 / EC , 2004/109 / EC , 2004/39 / EC , 2003/71 / EC , 2003/6 / EC and 2002/87 / EC , as regards the implementing powers conferred on the Commission ( OJ C 39 , 23.2.2007 , p. 1 ) .
glej tudi odstavek 1.2 mnenja ECB CON / 2007/4 z dne 15 . februarja 2007 na zahtevo Sveta Evropske unije o osmih predlogih za spremembe direktiv 2006/49 / ES , 2006/48 / ES , 2005/60 / ES , 2004/109 / ES , 2004/39 / ES , 2003/71 / ES , 2003/6 / ES in 2002/87 / ES glede Komisiji podeljenih izvedbenih pooblastil ( UL C 39 , 23.2.2007 , str .
C 117/2 EN
1 ) . C 117/2
legislative in character and constitute « proposed Community acts » within the meaning of Article 105 ( 4 ) of the Treaty .
predlagani statistični izvedbeni ukrepi zakonodajne narave in pomenijo „predlagane akte Skupnosti » v smislu člena 105 ( 4 ) Pogodbe .
Therefore , the Treaty provision which requires the ECB to be consulted on any proposed Community act in its field of competence includes an obligation for it to be consulted on these implementing measures ( 1 ) .
Določba Pogodbe , ki zahteva posvetovanje z ECB glede vseh predlaganih aktov Skupnosti na področju iz njene pristojnosti , zato vključuje obveznost posvetovanja z njo glede teh izvedbenih ukrepov ( 1 ) .
Done at Frankfurt am Main , 5 May 2008 .
V Frankfurtu na Majni , 5 .
The President of the ECB Jean-Claude TRICHET
maja 2008 Predsednik ECB Jean-Claude TRICHET
( 1 ) The lack of consultation between Community institutions has been the subject of several judgments by the Court of Justice .
( 1 ) Odsotnost posvetovanja med institucijami Skupnosti je bila predmet več sodb Sodišča .
On the obligation to consult the European Parliament , see Case C-138 / 79 , Roquette Frères v Council of the European Communities [ 1980 ] , ECR 3333 and Case C-21 / 94 , Parliament v Council [ 1995 ] , ECR I-1827 , paragraph 17 .
Glede obveznosti posvetovanja z Evropskim parlamentom glej primer 138/79 Roquette Frères proti Svetu Evropskih skupnosti [ 1980 ] PSES 3333 in primer C 21/94 Parlament proti Svetu [ 1995 ] PSES I-1827 , odstavek 17 . Glede obveznosti posvetovanja Visoke oblasti s Svetom in Posvetovalnim odborom po Pogodbi ESPJ glej primer 1/54 Francoska republika proti Visoki oblasti Evropske skupnosti za premog in jeklo [ 1954-56 ] PSES 1 , str .
On the obligation of the High Authority to consult the Council and the Consultative Committee under the ECSC Treaty , see Case 1/54 , French Republic v High Authority of the European Coal and Steel Community [ 1954-56 ] , ECR 1 , at p. 15 and Case 2/54 , Italian Republic v High Authority of the European Coal and Steel Community [ 1954-56 ] ECR 37 , at p. 52 , which was confirmed by Case 6/54 , Kingdom of the Netherlands v High Authority of the European Coal and Steel Community [ 1954-56 ] , ECR 103 , at p. 112 .
15 , in primer 2/54 Italijanska republika proti Visoki oblasti Evropske skupnosti za premog in jeklo [ 1954-56 ] PSES 37 , str . 52 , kar je bilo potrjeno v primeru 6/54 Kraljevina Nizozemska proti Visoki oblasti Evropske skupnosti za premog in jeklo [ 1954-56 ] PSES 103 , str .
As far as Article 105 ( 4 ) of the Treaty is concerned , in Case C-11 / 00 , Commission v European Central Bank [ 2003 ] , ECR I-7147 , Advocate General Jacobs emphasised that « [ c ] onsultation of the ECB on proposed measures in its field of competence is a procedural step , required by a provision of the Treaty , which is clearly capable of affecting the content of the measures adopted .
V zvezi s členom 105 ( 4 ) Pogodbe je generalni pravobranilec Jacobs v primeru C-11 / 00 Komisija proti Evropski centralni banki [ 2003 ] PSES I-7147 poudaril : „Posvetovanje z ECB glede predlaganih ukrepov na področju iz njene pristojnosti je v Pogodbi določen postopkovni korak , ki lahko brez dvoma vpliva na vsebino sprejetih ukrepov .
Failure to comply with such requirement must , in my view , be capable of leading to the annulment of the measures adopted » , Opinion of Advocate General Jacobs given on 3 October 2002 , paragraph 131 .
Neizpolnitev te obveznosti bi po mojem mnenju morala voditi v razveljavitev sprejetih ukrepov » ( mnenje generalnega pravobranilca Jacobsa z dne 3 . oktobra 2002 , odstavek 131 ) .
Euro banknotes and coins were introduced in the 12 euro area countries on 1 January .
V 12 državah euroobmočja so bili 1 . januarja uvedeni eurski bankovci in kovanci .
Euros - day at the Banque centrale du Luxembourg
Euros - dan v luksembur &scaron; ki centralni banki
Ceremony to mark the ECB 's purchase of its new premises on 5 March 2002
Slovesnost ob nakupu novih prostorov ECB , 5 . marec 2002 .
From left : Petra Roth , Mayor of Frankfurt , with President Duisenberg and Vice-President Noyer
Z leve : frankfurtska županja Petra Roth , predsednik Duisenberg in podpredsednik Noyer
President Willem F. Duisenberg accepted the Charlemagne Prize on behalf of the euro in Aachen on 9 May 2002 .
Predsednik Willem F. Duisenberg je 9 . maja 2002 v Aachnu v imenu eura sprejel nagrado Karla Velikega
President Duisenberg and his wife , Gretta , with Queen Beatrix of the Netherlands and President Ciampi of Italy in Aachen on 9 May 2002
Predsednik Duisenberg z ženo Gretto , nizozemska kraljica Beatrix in italijanski predsednik Ciampi v Aachnu , 9 . maj 2002
Vice-President Christian Noyer with a farewell present at the end of his term of office in May 2002
Podpredsednik Christian Noyer s poslovilnim darilom ob koncu svojega mandata , maj 2002
President Duisenberg and the outgoing Vice-President Noyer on 28 May 2002
Predsednik Duisenberg in odhajajoči podpredsednik Noyer , 28 . maj 2002
Vice-President Christian Noyer with his successor Lucas Papademos in May 2002
Podpredsednik Christian Noyer in njegov naslednik Lucas Papademos , maj 2002
President Duisenberg at the ECB press conference on 12 September 2002
Predsednik Duisenberg na tiskovni konferenci ECB , 12 . september 2002
President Duisenberg and Vice-President Lucas Papademos at the ECB press conference on 12 September 2002
Predsednik Duisenberg in podpredsednik Lucas Papademos na tiskovni konferenci ECB , 12 . september 2002
President Duisenberg and Vice-President Papademos in the Eurotower on 12 September 2002
Predsednik Duisenberg in podpredsednik Papademos v Eurostolpnici , 12 . september 2002
President Duisenberg addressing the Second ECB Central Banking Conference -- « The transformation of the European financial system » -- in Frankfurt on 24 October 2002
Predsednik Duisenberg na drugi centralnobančni konferenci ECB » Preoblikovanje evropskega finančnega sistema «, Frankfurt , 24 . oktober 2002
Panel at the Second ECB Central Banking Conference -- « The transformation of the European financial system » in October 2002
Razprava na drugi centralnobančni konferenci ECB » Preoblikovanje evropskega finančnega sistema «, oktober 2002
Panel at the Second ECB Central Banking Conference -- « The transformation of the European financial system » in October 2002
Delovno predsedstvo na drugi centralnobančni konferenci ECB » Preoblikovanje evropskega finančnega sistema «, oktober 2002
Executive Board members
Člani Izvršilnega odbora
Navigation Path : Home &gt; The European Central Bank &gt; Organisation &gt; Tasks &gt; Financial stability and supervision
Navigation Path : Home &gt; The European Central Bank &gt; Organizacija &gt; Naloge &gt; Finančna stabilnost in nadzor
Financial stability
Finančna stabilnost
About
Opis
Tasks of the ECB
Naloge ECB
EU institutional framework
Institucionalni okvir EU
The current crisis
Sedanja kriza Opis
About Financial stability plays a crucial role in the financial system and in the economy as a whole , as the current crisis shows .
Finančna stabilnost ima ključno vlogo v finančnem sistemu in gospodarstvu kot celoti , kar je pokazala tudi sedanja kriza .
And with an increasing number of financial institutions now active in one or more countries or continents , global financial stability has become even more important .
Z vse večjim &scaron; tevilom finančnih institucij , ki danes delujejo v eni ali več državah ali celinah , pa postaja svetovna finančna stabilnost &scaron; e toliko pomembnej &scaron; a.
Functions of financial systems
Funkcije finančnih sistemov
The financial system consists of :
Finančni sistem sestavljajo :
financial markets , such as the money markets and capital markets .
finančni trgi , kot so trgi denarja in kapitala .
They channel excess funds from lenders , i.e. businesses or individuals who want to invest their money , to borrowers , i.e. those who need capital ;
Ti usmerjajo presežna sredstva od posojilodajalcev , torej podjetij ali posameznikov , ki želijo svoj denar naložiti , k posojilojemalcem oziroma tistim , ki kapital potrebujejo ;
financial intermediaries , such as banks and insurance companies .
finančni posredniki , kot so banke in zavarovalnice .
They indirectly bring lenders and borrowers together -- but borrowers can also obtain funds directly from financial markets by issuing securities , e.g. shares and bonds ;
Te posredno povezujejo posojilodajalce in posojilojemalce &ndash; čeprav posojilojemalci sredstva lahko pridobijo tudi neposredno na finančnih trgih z izdajo vrednostnih papirjev , kot so delnice in obveznice ;
financial infrastructure permits the transfer of payments as well as the trading , clearing and settlement of securities .
finančna infrastruktura , ki omogoča prenos plačil , pa tudi trgovanje z vrednostnimi papirji ter njihov kliring in poravnavo .
To protect the financial system and ensure financial stability , the main sources of risk and vulnerability must be identified and all relevant parties , such as financial institutions and supervisors , be made aware of the risks .
Za za &scaron; čito finančnega sistema in zagotavljanje finančne stabilnosti je treba poiskati glavne vire tveganj in ranljivosti ter poskrbeti , da so z njimi seznanjene vse pristojne strani , kot so finančne institucije in nadzorniki .
Typical risks
Tipična tveganja
The economy slows down , making it more difficult for businesses to repay their loans ( due to falling sales ) or households to repay their mortgages ( due to unemployment ) , and the banks then incur losses .
Gospodarska rast upade , podjetja težje odplačujejo posojila ( zaradi upada prodaje ) , gospodinjstva imajo težave pri odplačevanju hipotek ( zaradi brezposelnosti ) in banke utrpijo izgube .
The prices of assets , e.g. securities , land and buildings or production equipment fall or change abruptly and create uncertainty on the financial markets , with the result that investors lose money .
Cene premoženja , npr . vrednostnih papirjev , zemlji &scaron; č in zgradb ali proizvodne opreme padejo ali se hitro spremenijo , kar ustvari negotovost na finančnih trgih in vlagatelji posledično izgubijo denar .
Banks may make big loans to a specific industry and then find they are vulnerable to any downturns in that industry . Banks may make large-scale investments in , for example , the stock or bond markets and they can then become vulnerable to falling prices in those markets .
Banke odobrijo velika posojila posamezni gospodarski panogi in nato ugotovijo , da so ranljive na vsakr &scaron; no zmanj &scaron; anje gospodarske aktivnosti v tej panogi . Banke veliko vlagajo na trgih delnic ali obveznic in tako postanejo ranljive na padanje cen na teh trgih .
Lines of defence
Obrambne linije
Banks , insurance companies and other financial institutions form the first line of defence against financial crises .
Prvo obrambno linijo proti finančnim krizam tvorijo banke , zavarovalnice in druge finančne institucije .
It 's their responsibility to remain viable and solvent , and to check the creditworthiness of borrowers and thus to manage the risks they assume .
Odgovorne so za to , da poslujejo smotrno in ostajajo solventne ter da preverjajo kreditno sposobnost posojilojemalcev in tako upravljajo tveganja , ki jih sprejemajo .
The measures taken by public authorities to prevent or minimise financial crises constitute the second line of defence .
Drugo obrambno linijo predstavljajo ukrepi , ki jih za preprečevanje ali blažitev finančnih kriz sprejemajo javni organi .
The measures include :
Sem spadajo :
prudential regulations that financial institutions have to comply with in order to ensure effective risk management and the safety of depositors » funds , and to disclose information so as to promote market discipline ;
predpisi skrbnega in varnega poslovanja , ki jih morajo finančne institucije spo &scaron; tovati , da bi učinkovito upravljale s tveganji , zagotovile varnost bančnih vlog ter razkrile informacije , ki so potrebne za vzdrževanje tržne discipline ;
prudential supervision , which means making sure that financial institutions follow these rules ; and
nadzor skrbnega in varnega poslovanja , ki pomeni skrb za to , da finančne institucije te predpise dejansko spo &scaron; tujejo ;
financial stability monitoring and assessment , which identifies vulnerable points in and risks to the financial system as a whole .
spremljanje in ocenjevanje finančne stabilnosti , ki razkriva ranljive točke in tveganja za finančni sistem kot celoto .
If , despite all these measures , financial institutions run into trouble , public authorities may need to intervene . Crisis management and resolution
Če finančne institucije kljub tem ukrepom zabredejo v težave , morajo včasih posredovati javni organi .
Tasks of the ECB
Upravljanje in re &scaron; evanje kriz Naloge ECB
What is the role of the ECB / Eurosystem ?
Kak &scaron; na je vloga ECB / Eurosistema ?
The ECB / Eurosystem has four tasks in the field of financial stability .
ECB / Eurosistem ima na področju finančne stabilnosti &scaron; tiri naloge .
To monitor and assess financial stability
Spremljanje in ocenjevanje finančne stabilnosti
The ECB , together with the European System of Central Bank ( ESCB ) , systematically monitors cyclical and structural developments in the euro-area / EU banking sector and in other financial sectors .
ECB skupaj z Evropskim sistemom centralnih bank ( ESCB ) sistematično spremlja ciklična in strukturna gibanja v bančnem sektorju euroobmočja / EU in drugih finančnih sektorjih .
It does so in order to identify any vulnerabilities and to check the resilience of the system .
Pri tem si prizadeva odkriti morebitne ranljivosti ter preverja odpornost sistema .
This assessment is done in collaboration with the EU national central banks and supervisory authorities through the ESCB 's Banking Supervision Committee .
Ocenjevanje izvaja v sodelovanju z nacionalnimi centralnimi bankami in nadzornimi organi EU , poteka pa v okviru Odbora ESCB za bančni nadzor .
At the ECB itself , financial stability monitoring and assessment is performed in several business areas : Financial Stability and Supervision as coordinator , Economics , Market Operations , International and European Relations , and Payments and Market Infrastructures .
V sami ECB spremljanje in ocenjevanje finančne stabilnosti izvaja več poslovnih področij : finančna stabilnost in nadzor kot koordinator , ekonomske analize , tržne operacije , mednarodni in evropski odnosi ter plačila in tržna infrastruktura .
The financial stability analysis is regularly published in various reports : for example , in the « Financial Stability Review » , « EU banking sector stability » , « EU banking structures » , and also in the ECB 's Annual Report . Publications on Financial stability and supervision
ECB svoje analize finančne stabilnosti redno objavlja v različnih publikacijah , na primer v poročilu o finančni stabilnosti ( Financial Stability Review ) , v publikacijah o stabilnosti bančnega sektorja EU ( EU banking sector stability ) in strukturi bančni &scaron; tva v EU ( EU banking structures ) , pa tudi v letnem poročilu ECB .
To provide advice
Publikacije o finančni stabilnosti in nadzoru
On account of its technical expertise , the ECB is frequently asked by both EU and national authorities to help design and define the financial rules and supervisory requirements which apply to financial institutions .
Na ECB se zaradi njenega strokovnega znanja pogosto obračajo tako organi EU kot tudi nacionalni organi , ki potrebujejo pomoč pri oblikovanju in opredelitvi finančnih pravil in nadzornih zahtev za finančne institucije .
The ECB sometimes contributes to the deliberations on its own initiative .
Včasih k razpravi ECB prispeva tudi na lastno pobudo .
Whether its advice is sought or not , it nevertheless ensures that financial stability is taken into account . The ECB
V obeh primerih nasveti ECB zagotavljajo , da se vpra &scaron; anje finančne stabilnosti upo &scaron; teva .
is consulted on draft EU and national legislation relating to financial stability and supervision .
poda mnenje o vsakem osnutku zakonodaje EU ali nacionalne zakonodaje , ki je povezana s finančno stabilnostjo in nadzorom .
ECB opinions on financial system stability
Mnenja ECB o stabilnosti finančnega sistema
participates in the relevant international and European forums , such as
sodeluje v ustreznih mednarodnih in evropskih forumih , kot so :
the Basel Committee on Banking Supervision
Baselski odbor za bančni nadzor
the European Banking Committee ( EBC )
Evropski odbor za bančni &scaron; tvo ( EBC )
the European Securities Committee ( ESC )
Evropski odbor za vrednostne papirje ( ESC )
the Committee of European Banking Supervisors ( CEBS ) , and
Odbor evropskih bančnih nadzornikov ( CEBS ) in
the Committee of European Insurance and Occupational Pension Supervisors ( CEIOPS ) .
Odbor evropskih nadzornikov za zavarovanja in poklicne pokojnine ( CEIOPS ) .
To promote cooperation
Spodbujanje sodelovanja
The central banks -- notably the ECB and the ESCB -- and supervisory authorities in the EU work together mainly via the ESCB Banking Supervision Committee ( BSC ) .
Centralne banke &ndash; zlasti ECB in ESCB &ndash; ter nadzorni organi EU med seboj sodelujejo predvsem v okviru Odbora ESCB za bančni nadzor ( BSC ) .