natgillin/translations-raw huggingface dataset:
However , to fully exploit the advantages of harmonised legislation , attention should be paid to aligning the scope of the proposed directive and that of the E-money Directive ( 2 ) , in particular taking account of the need to differentiate between payment services based on payment accounts and e-money payment services based on centralised accounting .
Vendar pa bi bilo treba za polno izkoriščenje prednosti harmonizirane zakonodaje nameniti pozornost uskladitvi področja uporabe predlagane direktive s področjem uporabe Direktive o elektronskem denarju ( 2 ) , zlasti ob upoštevanju potrebe po razlikovanju med plačilnimi storitvami , ki temeljijo na plačilnih računih , in plačilnimi storitvami v zvezi z elektronskim denarjem , ki temeljijo na centraliziranem računovodstvu .
Should the adoption of the proposed directive be delayed , however , the introduction of SEPA-compliant national schemes on 1 January 2008 and the full migration of these by 2010 could be put at risk .
Če pa bi bila predlagana direktiva sprejeta kasneje , bi bila uvedba nacionalnih shem , skladnih s SEPA , s 1 . januarjem 2008 in popolna migracija le-teh do leta 2010 lahko ogrožena .
In this regard , Titles III and IV of the proposed directive are crucial as they introduce a harmonised set of rules regarding information requirements , authorisation , execution and liability in respect of payment transactions .
V tem smislu sta naslova III in IV predlagane direktive ključnega pomena , saj uvajata harmoniziran sklop pravil glede informacijskih zahtev , odobritve , izvršitve in odgovornosti v zvezi s plačilnimi transakcijami .
It appears that the policy and legal issues in these Titles of the proposed directive might be solvable within a relatively short time frame .
Izgleda , da bi bila politična in pravna vprašanja pod tema naslovoma predlagane direktive lahko rešena v relativno kratkem času .
If negotiations are prolonged , the option of carving out certain parts of the proposed directive by giving priority to adoption of the parts necessary for successful implementation of the SEPA could be considered .
Če bodo pogajanja podaljšana , bi bilo treba preučiti možnost , da se nekateri deli predlagane direktive izločijo , prednost pa se da sprejetju tistih delov , ki so potrebni za uspešno izvajanje SEPA .
( 1 ) In addition , the ECB 's competence to deliver an opinion is based on Article 22 of the Statute of the European System of Central Banks and of the European Central Bank concerning the task of the ECB and the national central banks to , inter alia , ensure efficient and sound clearing and payment systems within the Community and with other countries .
( 1 ) Pristojnost ECB , da poda mnenje , dodatno izhaja iz člena 22 Statuta Evropskega sistema centralnih bank in Evropske centralne banke , ki se nanaša na nalogo ECB in nacionalnih centralnih bank , da med drugim zagotovijo učinkovite in zanesljive klirinške in plačilne sisteme znotraj Skupnosti in z drugimi državami .
( 2 ) Directive 2000/46 / EC of the European Parliament and of the Council of 18 September 2000 on the taking up , pursuit of and prudential supervision of the business of electronic money institutions ( OJ L 275 , 27.10.2000 , p. 39 ) .
( 2 ) Direktiva 2000/46 / ES Evropskega parlamenta in Sveta z dne 18 . septembra 2000 o začetku opravljanja in opravljanju dejavnosti ter nadzoru skrbnega in varnega poslovanja institucij za izdajo elektronskega denarja ( UL L 275 , 27.10.2000 , str .
9.5.2006 EN
39 ) . 9.5.2006
1.2 However , certain aspects of the proposed directive raise a number of concerns which are set out in more detail below .
1.2 Vendar pa nekateri vidiki predlagane direktive zbujajo številne pomisleke , ki so bolj podrobno navedeni spodaj .
Specific observations
Posamezne pripombe
2 Payment institutions » activity
2 Dejavnost plačilnih institucij
2.1 The introduction of a new concept of « payment institutions » is a step towards harmonising the current diversity of approaches under national law to the regulation of entities that provide payment services without being a credit institution , an e-money institution or a post office giro institution .
2.1 Uvedba novega koncepta „plačilnih institucij » pomeni korak v smeri harmonizacije obstoječe raznolikosti pristopov po nacionalnem pravu k reguliranju subjektov , ki opravljajo plačilne storitve , ne da bi bili kreditne institucije , institucije za izdajo elektronskega denarja ali poštne institucije , ki opravljajo storitev brezgotovinskega nakazovanja .
However , the proposed directive is not clear concerning the kinds of activities that such payment institutions may perform .
Vendar pa predlagana direktiva ni jasna glede vrst dejavnosti , ki jih takšne plačilne institucije lahko opravljajo .
Under the proposed directive , payment institutions may receive funds from the public for the provision of payment services .
Po predlagani direktivi lahko plačilne institucije prejemajo sredstva od javnosti za opravljanje plačilnih storitev .
These funds should not , however , be deposits or other repayable funds within the meaning of Article 3 of the Consolidated Banking Directive ( 3 ) , or e-money as defined in Article 1 ( 3 )( a ) of the E-money Directive ( see Article 10 ( 1 ) of the proposed directive ) .
Ta sredstva pa ne smejo biti depoziti ali druga vračljiva sredstva v smislu člena 3 Konsolidirane bančne direktive ( 3 ) ali elektronski denar , kakor je opredeljen v členu 1 ( 3 )( a ) Direktive o elektronskem denarju ( glej člen 10 ( 1 ) predlagane direktive ) .
2.2 In this respect , the wording of the proposed directive does not make it clear whether payment institutions may hold funds having similar economic and legal characteristics to deposits or e-money .
2.2 V tem smislu besedilo predlagane direktive ne določa jasno , ali plačilne institucije lahko imajo sredstva , ki imajo podobne ekonomske in pravne značilnosti kakor depoziti ali elektronski denar .
The ability of payment institutions to provide payment accounts implies that payment institutions could keep funds for a longer period than is necessary to finalise a payment transaction .
Sposobnost plačilnih institucij , da zagotavljajo plačilne račune , obsega možnost , da plačilne institucije hranijo sredstva dlje , kot je potrebno za dokončanje plačilne transakcije .
This is a matter for concern , as Article 65 ( 4 ) of the proposed directive refers to « savings accounts » without explaining where these accounts are held and for what purpose .
To je zadeva za razmislek , saj člen 65 ( 4 ) predlagane direktive omenja „varčevalne račune » , ne da bi pojasnil , kje se ti računi vodijo in s kakšnim namenom .
However , recitals 8 and 9 to the proposed directive state that payment institutions may not take deposits .
Vendar pa uvodni izjavi 8 in 9 k predlagani direktivi določata , da plačilne institucije ne smejo sprejemati depozitov .
These points are elaborated further below .
Te točke so podrobneje obravnavane spodaj .
2.3 It is also noted that under paragraph 4 of the Annex to the proposed directive , payment institutions may execute payment transactions if the funds are covered by a credit line without there being any restrictions on the ability to grant credit in terms of the amount and / or the maturity of the credit .
2.3 Ugotavljamo tudi , da po odstavku 4 Priloge k predlagani direktivi plačilne institucije lahko izvršujejo plačilne transakcije , če so sredstva krita s kreditno linijo , brez omejitev sposobnosti odobriti kredit glede zneska in / ali zapadlosti kredita .
3 Deposits or other repayable funds
3 Depoziti ali druga vračljiva sredstva
3.1 With regard to the holding of deposits or other repayable funds , it should be recalled that Article 3 of the Consolidated Banking Directive prohibits undertakings other than credit institutions from carrying on the business of taking deposits or other repayable funds from the public .
3.1 V zvezi z imetjem depozitov ali drugih vračljivih sredstev velja opozoriti , da člen 3 Konsolidirane bančne direktive prepoveduje podjetjem , ki niso kreditne institucije , da bi opravljala dejavnost sprejemanja depozitov ali drugih vračljivih sredstev od javnosti .
While the Consolidated Banking Directive does not define deposit-taking , the concept of « deposits or other repayable funds » under that Directive has been broadly interpreted by the Court of Justice of the European Communities , which has noted that « the term « other repayable funds » [...
Ker Konsolidirana bančna direktiva ne opredeljuje sprejemanja depozitov , je Sodišče Evropskih skupnosti široko interpretiralo koncept „depozitov ali drugih vračljivih sredstev » po navedeni direktivi in ugotovilo , da „pojem ‚druga vračljiva sredstva » [...
] refers not only to financial instruments which possess the intrinsic characteristic of repayability , but also to those which , although not possessing that characteristic , are the subject of a contractual agreement to repay the funds paid » ( 4 ) .
] ne zajema le finančnih instrumentov , ki imajo bistveno značilnost vračljivosti , ampak tudi tiste , ki so , čeprav te značilnosti nimajo , predmet pogodbenega dogovora o vračilu plačanih sredstev » ( 4 ) .
It does not matter whether such funds are received in the form of deposits or in other forms , such as « the continuing issue of bonds and other comparable securities » ( 5 ) , as referred to in a forerunner of the Consolidated Banking Directive .
Ni pomembno , ali so taka sredstva prejeta v obliki depozitov ali v drugih oblikah , kot so „stalne izdaje obveznic in drugih primerljivih vrednostnih papirjev » ( 5 ) , kakor je navedeno v predhodnici Konsolidirane bančne direktive .
Thus , « all receipts of monies may amount to deposit-taking business ( in the broader sense ) if they involve repayment of the monies received .
Tako lahko „vsak prejem denarnih sredstev prispeva k dejavnosti sprejemanja depozitov ( v širšem smislu ) , če obsega vračilo prejetih denarnih sredstev .
It is unimportant in this regard whether the requirement of repayment already exists at the time the funds are received ( and forms an « essential » element of that transaction ) , or whether this obligation only arises as a result of ( 3 ) Directive 2000/12 / EC of the European Parliament and of the Council of 20 March 2000 relating to the taking up and pursuit of the business of credit institutions ( OJ L 126 , 26.5.2000 , p. 1 ) .
V tem pogledu je nepomembno , ali zahteva po vračilu obstaja že v času , ko so sredstva prejeta ( in predstavlja ‚bistveni » ( 3 ) Direktiva 2000/12 / ES Evropskega parlamenta in Sveta z dne 20 . marca 2000 o začetku opravljanja in opravljanju dejavnosti kreditnih institucij ( UL L 126 , 26.5.2000 , str .
Directive as last amended by Commission Directive 2006/29 / EC ( OJ L 70 , 9.3.2006 , p. 50 ) .
Direktiva , kakor je bila zadnjič spremenjena z Direktivo Komisije 2006/29 / ES ( UL L 70 , 9.3.2006 , str . 50 ) .
( 4 ) See paragraph 17 of the Judgment of 11 February 1999 in Case 366/97 Massimo Romanelli [ 1999 ] ECR I-855 .
( 4 ) Glej odstavek 17 sodbe z dne 11 . februarja 1999 v primeru 366/97 Massimo Romanelli [ 1999 ] PSES I-855 .
( 5 ) Recital 5 to first Council Directive 77/780 / EEC of 12 December 1977 on the coordination of the laws , regulations and administrative provisions relating to the taking up and pursuit of the business of credit institutions ( OJ L 322 , 17.12.1977 , p. 30 ) .
( 5 ) Uvodna izjava k prvi Direktivi Sveta 77/780 / EGS z dne 12 . decembra 1977 o usklajevanju zakonov in drugih predpisov o začetku opravljanja in opravljanju dejavnosti kreditnih institucij ( UL L 322 , 17.12.1977 , str .
Directive repealed by Directive 2000/12 / EC .
Direktiva , razveljavljena z Direktivo 2000/12 / ES .
the creation of a contractual entitlement » ( 6 ) .
element te transakcije ) , ali ta obveznost nastane šele kot posledica oblikovanja pogodbenega upravičenja » ( 6 ) .
A proper interpretation of deposit-taking « will have to be guided by the question of the range of the savings to be protected and the interpretation of the characteristics of « credit business » in the light of the risks considered significant in terms of the protection of recovery of deposits .
Pravilno interpretacijo sprejemanja depozitov „bo moralo voditi vprašanje glede vrst prihrankov , ki jih je treba zavarovati , in interpretacija značilnosti ‚kreditne dejavnosti » v luči tveganj , ki se štejejo za bistvena v zvezi z zavarovanje vračila depozitov .
The outcome is a tendency towards a broad interpretation both of deposit-taking business and credit » ( 7 ) .
Rezultat je težnja k široki interpretaciji tako dejavnosti sprejemanja depozitov kot tudi kredita » ( 7 ) .
3.2 In view of the above , it would appear that payment institutions will in fact receive deposits from their customers .
3.2 Glede na zgoraj navedeno bi izgledalo , da bodo plačilne institucije dejansko sprejemale depozite od svojih strank .
If this is the case , then , as a general matter , if the payment institution became insolvent , any funds it held at the moment of insolvency would form part of its estate , and would thus be available to meet the claims of all of its creditors .
Če je temu tako , bi , v splošnem , če bi plačilna institucija postala insolventna , kakršna koli sredstva , ki bi jih imela v trenutku insolventnosti , predstavljala del njenega premoženja in bi bila tako na voljo za poravnavanje terjatev vseh njenih upnikov .
The activity of receiving deposits or other repayable funds is at the heart of the concept of banking itself , as is made clear in the definition of « credit institution » laid down in Article 1 ( 1 )( a ) of the Consolidated Banking Directive ( 8 ) .
Dejavnost sprejemanja depozitov ali drugih vračljivih sredstev je v jedru koncepta bančništva kot takega , kar je tudi jasno navedeno v opredelitvi „kreditne institucije » , določeni v členu 1 ( 1 )( a ) Konsolidirane bančne direktive ( 8 ) .
Altering the fundamental concept of banking requires careful consideration from the perspectives of monetary policy , the soundness and safety of payment systems , financial stability and statistics , all of which are matters in relation to which the ESCB has extensive competences .
Sprememba temeljnega koncepta bančništva zahteva skrbno presojo s stališča denarne politike , zanesljivosti in varnosti plačilnih sistemov , finančne stabilnosti in statistike , kar so vse zadeve , glede katerih ima ESCB široke pristojnosti .
The activities of payment institutions inevitably include holding funds of the public , even if only for a limited period of time .
Dejavnosti plačilnih institucij neizogibno vključujejo imetje sredstev javnosti , četudi samo za omejeno časovno obdobje .
Consumer protection and financial stability issues must therefore be taken into consideration when establishing supervisory requirements and safeguards for such activities .
Zato je treba pri oblikovanju zahtev glede nadzora in zaščitnih ukrepov za te dejavnosti upoštevati tudi vprašanja varstva potrošnikov in finančne stabilnosti .
4 Supervisory requirements
4 Zahteve glede nadzora
4.1 Overall , the proposed directive would allow payment institutions to operate under a lighter supervisory regime than that applicable under the Consolidated Banking Directive .
4.1 Predlagana direktiva bi v splošnem dovoljevala , da plačilne institucije delujejo pod milejšim sistemom nadzora , kakor je tisti , ki se uporablja po Konsolidirani bančni direktivi .
Besides an authorisation procedure based on some qualitative requirements , payment institutions would have to comply with a regulatory framework , which would : ( i ) mainly be based on a number of generally drafted disclosure requirements ;
Poleg postopka izdaje dovoljenja , ki temelji na nekaj kvalitativnih zahtevah , bi morale biti plačilne institucije usklajene tudi z normativnim okvirom , ( i ) ki bi v glavnem temeljil na vrsti splošno oblikovanih zahtevah glede razkritja ;
and ( ii ) not include capital requirements against quantifiable risks ( see Article 5 of the proposed directive ) .
in ( ii ) ki ne bi vključeval kapitalskih zahtev proti merljivim tveganjem ( glej člen 5 predlagane direktive ) .
The light supervisory regime raises some concerns , which are accentuated by the fact that the proposed directive prescribes full harmonisation ( see Article 78 of the proposed directive ) in contrast to the regulatory approach taken in other Community legislation governing the taking up and pursuit of the business of providing financial services .
Mili sistem nadzora zbuja nekatere pomisleke , ki postanejo še bolj izraziti ob dejstvu , da predlagana direktiva predpisuje popolno harmonizacijo ( glej člen 78 predlagane direktive ) v nasprotju z normativnim pristopom , uporabljenim v drugi zakonodaji Skupnosti , ki ureja začetek opravljanja in opravljanje dejavnosti ponujanja finančnih storitev .
4.2 The ECB is of the view that there is scope for improvement in the regulatory treatment of payment institutions under the proposed directive in three main areas .
4.2 ECB meni , da je mogoče izboljšati normativno obravnavo plačilnih institucij po predlagani direktivi na treh glavnih področjih .
First , the unclear distinction between payment institutions and other payment service providers makes it extremely difficult to assess risks and the related safeguards .
Prvič , zaradi nejasnega razlikovanja med plačilnimi institucijami in drugimi ponudniki plačilnih storitev je izjemno težko ocenjevati tveganja in z njimi povezane zaščitne ukrepe .
This is the case not only if and insofar as payment institutions may hold funds that are difficult to distinguish from deposits , but also with regard to their ability to grant credit financed by money received from the public ( see paragraph 4 of the Annex to the proposed directive ) .
Tak primer je ne samo , če in kolikor imajo lahko plačilne institucije sredstva , ki jih je težko razlikovati od depozitov , ampak tudi glede njihove sposobnosti odobriti kredit , ki se financira z denarjem , prejetim od javnosti ( glej odstavek 4 Priloge k predlagani direktivi ) .
Second , the proposed directive does not address the different categories of risks associated with payment services .
Drugič , predlagana direktiva ne obravnava različnih kategorij tveganj , povezanih s plačilnimi storitvami .
In this respect , it is worth recalling that payment services performed by credit institutions will be made subject to specific capital requirements as a result of the operational risk attaching to such services ( 9 ) .
V tem pogledu velja opozoriti , da bodo za plačilne storitve , ki jih bodo opravljale kreditne institucije , veljale posebne kapitalske zahteve zaradi operativnega tveganja , povezanega s temi storitvami ( 9 ) .
Third , it may also be argued that the authorisation procedure laid down in the proposed directive is based on criteria which leave too much room for different interpretations at national level .
Tretjič , mogoče je tudi trditi , da postopek izdaje dovoljenja , določen v predlagani direktivi , temelji na merilih , ki dopuščajo preveč možnosti za različne razlage na nacionalni ravni .
Member States may also waive some of the authorisation requirements under certain circumstances ( 10 ) .
Države članice lahko v določenih okoliščinah tudi opustijo nekatere zahteve v zvezi z dovoljenjem ( 10 ) .
4.3 In view of these considerations , there seems to be a mismatch under the proposed directive between the scope of activities of payment institutions and the prudential framework within which such activities are to be carried out .
4.3 V luči teh premislekov se zdi , da po predlagani direktivi obstaja razhajanje med obsegom dejavnosti plačilnih institucij in bonitetnim okvirom , znotraj katerega naj bi se te dejavnosti opravljale .
Once the actual scope of payment institutions » activities has been clarified , the imposition of adequate capital requirements and / or other similar safeguards ( e.g. initial capital requirements , guarantees ) should be considered on the basis of an assessment of the related risks .
Ko bo dejanski obseg dejavnosti plačilnih institucij jasno določen , bi bilo treba preučiti postavitev ustreznih kapitalskih zahtev in / ali drugih podobnih zaščitnih ukrepov ( npr . zahteve glede osnovnega kapitala , jamstva ) na podlagi ocene povezanih tveganj .
( 6 ) See Alexander Bornemann , « Abridged Opinion on the Concept of the Credit Institution in the Directives of the European Community Relating to Bank Regulation and Supervision » , p. 11 .
( 6 ) Glej Alexander Bornemann , Abridged Opinion on the Concept of the Credit Institution in the Directives of the European Community Relating to Bank Regulation and Supervision ( Skrajšano mnenje o konceptu kreditne institucije v direktivah Evropske skupnosti v zvezi z reguliranjem bank in nadzorom nad njimi ) , str . 11 .
Available as a PDF file from : <http://www.money-advice.net/media.php?id=234> ( 7 ) Ibid .
Na voljo kot dokument PDF na naslovu : <http://www.money-advice.net/media.php?id=234> ( 7 ) Ibid .
( 8 ) Article 1 ( 1 )( a ) states that a « credit institution shall mean an undertaking whose business is to receive deposits or other repayable funds from the public and to grant credits for its own account » .
( 8 ) Člen 1 ( 1 )( a ) določa , da „kreditna institucija pomeni podjetje , čigar poslovanje predstavlja sprejemanje depozitov in drugih vračljivih sredstev od javnosti in odobravanje kreditov za svoj račun » .
( 9 ) See Part 2 of Annex X to a « Proposal for Directives of the European Parliament and of the Council Re-casting Directive 2000/12 / EC of the European Parliament and of the Council of 20 March 2000 relating to the taking up and pursuit of the business of credit institutions and Council Directive 93/6 / EEC of 15 March 1993 on the capital adequacy of investment firms and credit institutions » ( COM ( 2004 ) 486 final ) .
( 9 ) Glej Del 2 v Prilogi X k „Predlogu direktiv Evropskega parlamenta in Sveta o preoblikovanju Direktive 2000/12 / ES Evropskega parlamenta in Sveta z dne 20 . marca 2000 o začetku opravljanja in opravljanju dejavnosti kreditnih institucij in Direktive Sveta 93/6 / EGS z dne 15 .
( 10 ) The conditions for the relevant derogations to apply are set out in Article 21 of the proposed directive .
( 10 ) Pogoji za uporabo posameznih odstopanj so določeni v členu 21 predlagane direktive .
4.4 The absence of capital requirements for payment institutions could potentially provide scope for supervisory arbitrage .
4.4 Odsotnost kapitalskih zahtev za plačilne institucije bi potencialno lahko omogočila nadzorno arbitražo .
Regardless of whether credit institutions perform their payments business directly or through subsidiaries qualifying as payment institutions , they will be subject to supervision on a consolidated basis for operational risks as well as credit risks .
Ne glede na to , ali kreditne institucije opravljajo svojo plačilno dejavnost neposredno ali preko hčerinskih družb , ki so plačilne institucije , bodo predmet nadzora na konsolidirani osnovi glede operativnih in kreditnih tveganj .
Conversely , stand-alone payment institutions or payment institutions that are not part of a banking group will not be subject to any capital requirements despite carrying on the same business .
Nasprotno za samostojne plačilne institucije ali plačilne institucije , ki niso del bančne skupine , ne bodo veljale kapitalske zahteve , čeprav opravljajo isto dejavnost .
4.5 Moreover , the proposed directive is generally unclear with regard to the respective responsibilities of the home and host Member States » competent authorities .
4.5 Poleg tega je predlagana direktiva v splošnem nejasna glede odgovornosti pristojnih organov matične države članice in države članice gostiteljice .
One example of this is the third paragraph of Article 6 of the proposed directive , which regulates the granting of European passports to payment institutions without making it clear which competent authority of which Member State will be in charge of supervising such payment institutions .
Eden takih primerov je tretji odstavek člena 6 predlagane direktive , ki ureja izdajo dovoljenja plačilnim institucijam za opravljanje storitev na celotnem ozemlju Skupnosti , ne da bi jasno določil , kateri pristojni organ katere države članice bo opravljal nadzor nad temi plačilnimi institucijami .