natgillin/translations-raw huggingface dataset:
In order to select the actual reporting agents within each stratum , NCBs shall either include all institutions in the stratum , carry out random sampling or select the largest institutions per stratum .
Zaradi izbire dejanskih poročevalskih enot v vsakem stratumu NCB bodisi vključijo vse institucije v stratum , opravijo slučajno vzorčenje ali izberejo največje institucije v posameznih stratumih .
In the case of a random sample , the random drawing of the institutions within each stratum shall either be carried out with equal probability for all institutions or with probability proportional to the size of the institution .
V primeru slučajnega vzorca se slučajno jemanje vzorcev institucij v vsakem stratumu opravi ali z enako verjetnostjo za vse institucije ali z verjetnostjo , ki je sorazmerna velikosti institucije .
NCBs may choose the inclusion of all institutions for some strata , random sampling for other strata and the selection of the largest institutions for still other strata .
NCB lahko izberejo vključitev vseh institucij v nekatere stratume , slučajno vzorčenje za druge stratume in izbiro največjih institucij za tretje stratume .
Information about the size of each credit institution and other institution in the potential reporting population is available at national level from the MFI balance sheet statistics collected in accordance with Regulation ( EC ) No 2423/2001 ( ECB / 2001/13 ) .
Podatki o velikosti posameznih kreditnih institucij in drugih institucij v potencialni poročevalski populaciji so na voljo na nacionalni ravni v statistiki bilance stanja MFI , ki je bila zbrana v skladu z Uredbo ( ES ) št . 2423/2001 ( ECB / 2001/13 ) .
NCBs shall use total euro-denominated deposits and loans vis-à-vis households and non-financial corporations resident in the participating Member States , which is that part of the balance sheet that is relevant for MFI interest rate statistics , or a close proxy .
NCB uporabijo skupne vloge in posojila , ki so izražena v evrih , v razmerju do gospodinjstev in nefinančnih družb s sedežem v sodelujočih državah članicah in ki predstavljajo tisti del bilance stanja , ki je upošteven za statistiko obrestnih mer MFI , ali podoben nadomestek .
MFI interest rate statistics shall be based on a selection without replacement , i.e. each credit institution and other institution in the potential reporting population shall only be selected once .
Statistika obrestnih mer MFI temelji na izbiri brez nadomestitve , t.j. vsaka kreditna institucija in druga institucija v potencialni poročevalski populaciji se izbere samo enkrat .
Where an NCB decides on a census of all credit institutions and other institutions in one stratum , the NCB may sample in that stratum at the level of branches .
Kadar se NCB odloči za popis vseh kreditnih institucij in drugih institucij v enem stratumu , lahko v tem stratumu vzorči na ravni podružnic .
The precondition is that the NCB has a full list of branches that covers all the business of the credit institutions and other institutions in the stratum , and appropriate data in order to assess the variance of interest rates on new business vis-à-vis households and non-financial corporations across branches .
Predpogoj za to je , da ima NCB popoln seznam podružnic , ki zajemajo vse poslovanje kreditnih institucij in drugih institucij v stratumu , kakor tudi ustrezne podatke za ocenitev variance obrestnih mer za nove posle v razmerju do gospodinjstev in nefinančnih družb prek podružnic .
For the selection of the branches all requirements laid down in this Annex shall apply .
Za izbiro podružnic veljajo vsi pogoji , določeni v tej prilogi .
The selected branches shall become notional reporting agents subject to all reporting requirements as defined in Annex II .
Izbrane podružnice postanejo namišljene poročevalske enote , za katere veljajo vsi pogoji poročanja , kakor so opredeljeni v Prilogi II .
This procedure shall be without prejudice to the liability as reporting agent of the credit institution or other institution to which branches belong .
Ta postopek ne sme posegati v obveznosti kreditne institucije ali druge institucije kot poročevalske enote , v katerih lasti so podružnice .
PART 2 Maintenance of the sample of the actual reporting population
DEL 2 Vzdrževanje vzorca dejanske poročevalske populacije
Maintenance of the sample over time 21 .
Redno vzdrževanje vzorca 21 .
NCBs that choose the sampling approach shall ensure that the sample remains representative over time . 22 .
22 . NCB , ki izberejo način z vzorčenjem , zagotovijo , da vzorec s časom ohrani reprezentativnost .
NCBs shall therefore check the representativity of their sample at least once a year .
NCB zato preverijo reprezentativnost svojih vzorcev najmanj enkrat na leto .
If there are significant changes in the potential reporting population , these shall be reflected in the sample after this annual check .
V primeru bistvenih sprememb v potencialni poročevalski populaciji se morajo te spremembe odražati v vzorcu po opravljenem letnem preverjanju .
At intervals of at most two years , NCBs shall carry out a regular review of the sample , taking account of joiners to the potential reporting population , leavers from the potential and actual reporting population , as well as all other changes in the characteristics of the reporting agents .
V časovnih presledkih največ dveh let NCB opravijo redni pregled vzorcev ob upoštevanju pristopanja novih institucij k potencialni poročevalski populaciji , izstopanja institucij iz potencialne poročevalske populacije kakor tudi druge spremembe v značilnostih poročevalskih enot .
However , NCBs may check and refresh their sample more frequently .
Vendar pa NCB lahko preverjajo in osvežujejo svoje vzorce bolj pogosto .
24 . Over time , the sample shall be adjusted to take account of joiners to the potential reporting population in order to remain representative of the potential reporting population .
Vzorec se s časom prilagodi tako , da upošteva pristopne institucije k potencialni poročevalski populaciji in tako ostane reprezentativen za potencialno poročevalsko populacijo .
NCBs shall therefore draw a sample nb from the population of all joiners Nb .
NCB zato vzamejo vzorec nb iz populacije vseh novih članic Nb .
The complementary selection of joining institutions nb among the total number of joiners Nb shall be referred to as incremental sampling over time . L 10/30
Dopolnilna izbira pristopajočih institucij nb izmed skupnega števila pristopnih institucij Nb se omenja kot dopolnilno prirastno vzorčenje .
Official Journal of the European Communities
24 . 01 / Zv .
Over time , the sample shall be adjusted to take account of leavers from the potential and the actual reporting population .
Uradni list Evropske unije Vzorec se s časom prilagodi tako , da upošteva izstopne institucije iz potencialne in dejanske poročevalske populacije .
No adjustment is necessary if there is proportionality between the leavers in the potential reporting population Nd and the leavers in the sample nd ( case 1 ) .
Če obstaja sorazmernost med izstopnimi institucijami v potencialni poročevalski populaciji Nd in izstopnimi institucijami v vzorcu nd ( primer 1 ) , prilagajanje ni potrebno .
If the institutions are leaving the potential reporting population and these institutions are not in the sample , the sample becomes too large relative to the size of the potential reporting population ( case 2 ) .
Če institucije izstopajo iz potencialne poročevalske populacije in teh institucij ni v vzorcu , vzorec postane prevelik glede na obseg potencialne poročevalske populacije ( primer 2 ) .
If more institutions leave the sample than the potential reporting population , the sample becomes too small over time and might cease to be representative ( case 3 ) .
Če iz vzorca izstopi več institucij , kot se jih nahaja v potencialni poročevalski populaciji , vzorec s časom postane premajhen in lahko preneha biti reprezentativen ( primer 3 ) .
In cases 2 and 3 the weights attached to each institution in the sample shall be adjusted by means of an established statistical method derived from the theory of sampling .
V primerih 2 in 3 se ponderji , ki se uporabljajo za vsako institucijo v vzorcu , prilagodijo z uveljavljenim statističnim postopkom , ki izhaja iz teorije vzorčenja .
The weight attached to each reporting agent is the inverse of its selection probability and hence the expansion factor .
Ponder , ki se uporablja za vsako poročevalsko enoto , je inverzna verjetnost njegove izbire in potemtakem dejavnik povečanja .
In case 2 , where the sample is relatively too large for the population , no reporting agent shall be taken out of the sample .
V primeru 2 , kjer je vzorec sorazmerno prevelik za populacijo , se iz vzorca ne vzame nobena poročevalska enota .
Over time , the sample shall be adjusted to take account of changes in the characteristics of the reporting agents .
Do teh sprememb lahko prihaja zaradi združitev , delitev , rasti institucij itd .
These changes can occur because of mergers , divisions , growth of the institution etc. Some reporting agents might change stratum .
Nekatere poročevalske enote lahko zamenjajo stratum .
As in cases 2 and 3 for leavers , the sample shall be adjusted by means of an established statistical method derived from the theory of sampling .
Tako kot pri izstopnih institucijah v primerih 2 in 3 se vzorec prilagodi s pomočjo uveljavljenega statističnega postopka , ki izhaja iz teorije vzorčenja .
New selection probabilities and hence weights shall be allocated .
Dodelijo se nove verjetnosti izbire in posledično tudi ponderji .
PART 3 Further sampling issues VII .
26 . VII .
Consistency 27 .
Skladnost 27 .
In order to achieve consistency between MFI interest rate statistics on outstanding amounts referring to deposits and referring to loans and on new business referring to deposits and referring to loans , NCBs that choose the sampling approach shall use the same reporting agents for collecting these sets of statistics .
Zaradi doseganja skladnosti med statistiko obrestnih mer MFI za stanje zadolženosti iz naslova vlog in posojil in za nove posle iz naslova vlog in posojil NCB , ki izberejo način z vzorčenjem , pri zbiranju teh statističnih sklopov uporabijo iste poročevalske enote .
NCBs may also use the sampling approach for a subset of MFI interest rate statistics and a census for the rest .
NCB lahko prav tako uporabijo način z vzorčenjem za en podsklop statistike obrestnih mer MFI , za ostale pa popis .
They shall , however , not use two or more different samples .
Vendar pa ne smejo uporabljati dveh ali več različnih vzorcev .
Financial innovation 28 .
Finančne inovacije 28 .
NCBs do not need to cover in the sample procedure each product that exists at national level .
NCB ni treba s postopkom vzorčenja pokrivati vsakega produkta , ki obstaja na nacionalni ravni .
However , they shall not exclude a whole instrument category on the grounds that the amounts involved are very small .
Vendar ne smejo izločiti celotne kategorije instrumentov zato , ker naj bi bili s tem povezani zneski zelo majhni .
Hence , if an instrument category is only offered by one institution , then this institution shall be represented in the sample .
Zato , če določeno kategorijo instrumentov ponuja samo ena institucija , potem bo ta institucija zastopana v vzorcu .
If an instrument category did not exist in a participating Member State at the time of the initial drawing of the sample , but is being introduced by one institution thereafter , this institution shall be selected into the sample at the time of the next representativity check .
Če določena kategorija instrumentov ni obstajala v sodelujoči državi članici v času začetnega jemanja vzorca , ampak jo je neka institucija uvedla kasneje , se ta institucija izbere v vzorec ob naslednjem preverjanju reprezentativnosti .
If a new product is created , the institutions in the sample shall cover it with the next report , as all reporting agents are required to report on all their products . 12.1.2002
Če se oblikuje nov produkt , ga institucije v vzorcu obravnavajo v naslednjem poročilu , ker morajo vse poročevalske enote poročati o vseh svojih produktih .
L 10/31 ANNEX II REPORTING SCHEME FOR MONETARY FINANCIAL INSTITUTION INTEREST RATE STATISTICS
PRILOGA II SISTEM POROČANJA ZA STATISTIKO OBRESTNIH MER MONETARNIH FINANČNIH INSTITUCIJ
PART 1 Type of rate I. Annualised agreed rate General principle 1 .
DEL 1 Vrste obrestnih mer I. Dogovorjena letna obrestna mera Splošno načelo 1 .
The type of rate that reporting agents shall provide for all instrument categories of deposits and loans referring to new business and outstanding amounts is the annualised agreed rate .
Vrsta obrestne mere , ki jo poročevalske enote poročajo za vse kategorije instrumentov za vloge in posojila , ki se nanašajo na nove posle in stanje zadolženosti , je dogovorjena letna obrestna mera .
It shall be defined as the interest rate that is individually agreed between the reporting agent and the household or non-financial corporation for a deposit or loan , converted to an annual basis and quoted in percentages per annum .
Opredeli se kot obrestna mera , ki se posamično dogovori med poročevalsko enoto in gospodinjstvom ali nefinančno družbo za vlogo ali posojilo , preračunano na letni osnovi in izraženo v odstotkih na leto .
The annualised agreed rate shall cover all interest payments on deposits and loans , but no other charges that may apply .
Dogovorjena letna obrestna mera velja za plačila obresti za vloge in posojila , ne pa tudi za kakršne koli druge uporabljene stroške .
Disagio , defined as the difference between the nominal amount of the loan and the amount received by the customer , shall be considered as an interest payment at the start of the contract ( time t0 ) and shall therefore be reflected in the annualised agreed rate .
Disagio , ki se opredeli kot razlika med nominalno vrednostjo posojila in zneskom , ki ga prejme stranka , se šteje za plačilo obresti od začetka veljavnosti pogodbe ( čas t0 ) in se zato odraža v dogovorjeni letni obrestni meri .
2 . If interest payments agreed between the reporting agent and the household or non-financial corporation are capitalised at regular intervals within a year , for example per month or quarter rather than per annum , the agreed rate shall be annualised by means of the following formula to derive the annualised agreed rate :
Če se plačila obresti , dogovorjena med poročevalsko enoto in gospodinjstvom ali nefinančno družbo , kapitalizira v rednih časovnih presledkih med letom , na primer , mesečno ali četrtletno namesto letno , se dogovorjena obrestna mera preračuna na letno osnovo na podlagi naslednjega obrazca in tako dobi dogovorjena letna obrestna mera : 2 .
with : x rag as the annualised agreed rate , as the interest rate per annum that is agreed between the reporting agents and the household or non-financial corporation for a deposit or loan where the dates of the interest capitalisation of the deposit and all the payments and repayments of the loan are at regular intervals within the year , and as the number of interest capitalisation periods for the deposit and ( re ) payment periods for the loan per year , i.e. 1 for yearly payments , 2 for semi-annual payments , 4 for quarterly payments and 12 for monthly payments . n
rag kot letno obrestno mero , ki je dogovorjena med poročevalsko enoto in gospodinjstvom ali nefinančno družbo za vlogo ali posojilo , kadar so datumi kapitalizacije obresti za vlogo in vsa plačila in vračila posojila v rednih časovnih presledkih med letom ; in n kot število obdobij kapitalizacije obresti za vlogo in obdobij plačila oziroma vračila posojila na leto , t.j. 1 za letna plačila , 2 za polletna plačila , 4 za četrtletna plačila in 12 za mesečna plačila .
National central banks ( NCBs ) may require their reporting agents to provide for all or some deposit and loan instruments referring to new business and outstanding amounts the narrowly defined effective rate ( NDER ) , instead of the annualised agreed rate .
Nacionalne centralne banke ( NCB ) lahko od svojih poročevalskih enot zahtevajo , da namesto dogovorjene letne obrestne mere za vse ali za nekatere depozitne in posojilne instrumente , ki se nanašajo na nove posle ali stanje zadolženosti , predpišejo natančno določene efektivne obrestne mere ( NDEM ) .
The NDER shall be defined as the interest rate , on an annual basis , that equalises the present value of all commitments other than charges ( deposits or loans , payments or repayments , interest payments ) , future or existing , agreed by the reporting agents and the household or non-financial corporation .
NDEM se določi kot obrestna mera na letni osnovi , ki izravnava sedanjo vrednost vseh obveznosti razen stroškov ( vlog ali posojil , plačil ali vračil , plačil obresti ) , prihodnjih ali obstoječih , ki so dogovorjene med poročevalskimi enotami in gospodinjstvom ali nefinančno družbo .
The NDER shall be equivalent to the interest rate component of the annual percentage rate of charge ( APRC ) as defined in Article 1 ( 2 )( e ) of Council Directive 87/102 / EEC of 22 December 1986 for the approximation of the laws , regulations and administrative provisions of the Member States concerning consumer credit ( 1 ) as last amended by European Parliament and Council Directive 98/7 / EC ( 2 ) .
NDEM je enaka komponenti obrestne mere letnega odstotka obresti , kakor je določen v členu 1 ( 2 )( e ) Direktive Sveta 87/102 / EGS z dne 22 . decembra 1986 za približevanje zakonov in drugih predpisov držav članic v zvezi s potrošniškimi posojili ( 1 ) , kakor je bila nazadnje spremenjena z Direktivo Evropskega parlamenta in Sveta 98/7 / ES ( 2 ) .
The only difference between the NDER and the annualised agreed rate shall be the underlying method for annualising interest payments .
Edina razlika med NDEM in dogovorjeno letno obrestno mero je v osnovnem načinu letnega izračuna plačila obresti .
The NDER uses successive approximation and can therefore be applied to any type of deposit or loan , whereas the annualised agreed rate uses the algebraic formula defined in paragraph 2 and is therefore only applicable to deposit and loan with regular capitalisation of interest payments .
NDEM uporablja postopno približevanje in se zato lahko uporablja za katero koli vrsto vloge ali posojila , medtem ko dogovorjena letna obrestna mera uporablja algebraični obrazec iz odstavka 2 in se potemtakem uporablja samo za vloge in posojila z redno kapitalizacijo obresti .
All other requirements shall be identical , which implies that where it is hereinafter referred to as the annualised agreed rate , it shall also apply to the NDER .
Vsi drugi pogoji so enaki , kar pomeni , kadar se v nadaljevanju omenja dogovorjena letna obrestna mera , tako velja za NDEM . Obravnavanje davkov , subvencij in ureditvenih sporazumov
The interest payments covered in the annualised agreed rate shall reflect what the reporting agent pays on deposits and receives for loans .
Plačila obresti , zajeta z dogovorjeno letno obrestno mero , odražajo zneske , ki jih poročevalska enota plača za vloge in prejme za posojila .
Where the amount paid by one party and received by the other differs , the point of view of the reporting agent shall determine the interest rate covered by monetary financial institution ( MFI ) interest rate statistics .
Kadar se znesek , ki ga plača ena stranka , prejme pa druga , razlikuje , se na podlagi stališča poročevalske enote določi obrestna mera , ki je zajeta v statistiki obrestnih mer monetarne finančne institucije ( MFI ) .
Following this principle , interest rates shall be recorded on a gross basis before tax , since the pre-tax interest rates reflect what reporting agents pay on deposits and receive for loans .
Ob upoštevanju tega načela se obrestne mere evidentirajo na bruto osnovi pred plačilom davka , ker bruto obrestne mere pred davkom odražajo zneske , ki jih poročevalske enote plačajo za vloge in prejmejo za posojila .
( 1 ) OJ L 42 , 12.2.1987 , p. 48 .
( 1 ) ( 2 ) UL L 42 , 12.2.1987 , str . 48 .
( 2 ) OJ L 101 , 1.4.1998 , p. 17 .
UL L 101 , 1.4.1998 , str . 17 .
L 10/32
01 / Zv .
Furthermore , subsidies granted to households or non-financial corporations by third parties shall not be taken into account when determining the interest payment , because the subsidies are not paid or received by the reporting agent .
Razen tega se subvencije , ki so jih gospodinjstvom ali nefinančnim družbam podelile tretje osebe , ne upoštevajo pri določanju plačila obresti , ker poročevalska enota ne plačuje ali ne prejema subvencij .
Favourable rates that reporting agents apply to their employees shall be covered in MFI interest rate statistics . 8 .
8 . Ugodne obrestne mere , ki jih poročevalske enote zaračunavajo svojim zaposlenim , se zajamejo v statistiki obrestnih mer MFI .
Where regulatory arrangements affect interest payments , for example interest rate ceilings or the prohibition of remuneration of overnight deposits , these shall be reflected in MFI interest rate statistics .
Kadar ureditveni sporazumi vplivajo na plačila obresti , na primer najvišje obrestne mere ali prepoved obrestovanja vlog čez noč , morajo biti ti zajeti v statistiki obrestnih mer MFI .
Any change in the rules determining regulatory arrangements , for example the level of administered interest rates or interest rate ceilings , shall be shown in MFI interest rate statistics as a change in the interest rate .
Kakršno koli spremembo pravil , ki določajo ureditvene sporazume , na primer višino nadzorovanih obrestnih mer ali najvišjih obrestnih mer , je treba prikazati v statistiki obrestnih mer MFI kot spremembo obrestnih mer .
In addition to annualised agreed rates , the reporting agents shall provide for new business in respect of consumer credit and loans to households for house purchases the annual percentage rate of charge ( APRC ) as defined in Article 1 ( 2 )( e ) of Directive 87/102 / EEC , i.e. : --- one APRC for new consumer credit ( see indicator 30 in Appendix 2 ) , and --- one APRC for new loans to households for house purchases ( see indicator 31 in Appendix 2 ) ( 1 ) .
Poleg dogovorjenih letnih obrestnih mer poročevalske enote določijo za nove posle v zvezi s potrošniškimi posojili in posojili gospodinjstvom za nakup stanovanj letni odstotek obresti , kakor je določen v členu 1 ( 2 )( e ) Direktive 87/102 / EGS , in sicer : --- en letni odstotek obresti za nova potrošniška posojila ( glej kazalnik 30 v Dodatku 2 ) in --- en letni odstotek obresti za nova posojila gospodinjstvom za nakup stanovanj ( glej kazalnik 31 v Dodatku 2 ) ( 1 ) .
The APRC covers the « total costs of the credit to the consumer » , as defined in Article 1 ( 2 )( d ) of Directive 87/102 / EEC .
Letni odstotek obresti zajema „celotne stroške posojila za potrošnika » , kakor ga opredeljuje člen 1 ( 2 )( d ) Direktive 87/102 / EGS .
These total costs comprise an interest rate component and a component of other ( related ) charges , such as the cost of inquiries , administration , preparation of the documents , guarantees , credit insurance etc. 11 .
Ti celotni stroški obsegajo komponento obrestnih mer in komponento drugih ( povezanih ) stroškov , kot so stroški poizvedovanja , upravljanja , priprave dokumentacije , jamstev , zavarovanja posojil itd .
The composition of the component of other charges may vary across countries , because the definitions in Directive 87/102 / EEC are applied differently , and because national financial systems and the procedure for securing credits differ .
Sestava komponente drugih stroškov se lahko od države do države razlikuje zaradi različne uporabe opredelitev iz Direktive 87/102 / EGS in zaradi razlik v nacionalnih finančnih sistemih in postopkih zavarovanja posojil .
Convention 12 .
Dogovor 12 .
Reporting agents shall apply a standard year of 365 days for the compilation of the annualised agreed rate , i.e. the effect of an additional day in a leap years shall be ignored .
Poročevalske enote uporabijo pri določanju dogovorjene letne obrestne mere standardno leto , ki šteje 365 dni , t.j. pri tem ne upoštevajo dodatnega dne v prestopnem letu .
PART 2
DEL 2 Poročanje o poslih