natgillin/translations-raw huggingface dataset:
Counterparties wishing to change credit assessment sources after the minimum period of one year have to submit a reasoned request to the relevant national central bank .
-- implicitna bonitetna ocena za izdajatelja ali garanta , ki sodi v razred 1 ali 2 , se izpelje iz bonitetne ocene zunanje bonitetne institucije za centralno državo države , kjer je ustanovljen izdajatelj ali garant .
Counterparties may be allowed to use more than one system or source upon submission of a reasoned request .
Implicitna bonitetna ocena mora dosegati bonitetni prag Eurosistema .
The main credit assessment source chosen is expected to cover the largest number of submitted debtors by the counterparty .
Za izdajatelje / garante , ki sodijo v razred 3 , se implicitna bonitetna ocena ne izvede .
The use of more than one credit assessment source or system should be supported by the existence of an adequate business case .
-* Izdajatelji ali garanti iz sektorja nefinančnih družb euroobmočja .
In principle , such a case could stem from a lack of sufficient coverage of the primary credit assessment source or system . Counterparties must inform the national central bank promptly of any credit event , including a delay of payments by the submitted debtors , that is known to the counterparty and , if necessary , withdraw or replace the assets .
Če za tržno finančno premoženje , ki so ga izdali ali zanj jamčijo nefinančne družbe 33 iz euroobmočja , visokih bonitetnih standardov ni mogoče ugotoviti na podlagi bonitetne ocene zunanje bonitetne institucije za izdajo , izdajatelja ali garanta , se uporabijo pravila bonitetnega okvira Eurosistema za bančna posojila , nasprotne stranke pa lahko uporabijo tudi lasten interni bonitetni sistem , interni bonitetni sistem nacionalne centralne banke ali bonitetna orodja zunanjih ponudnikov .
Furthermore , counterparties are responsible for ensuring that they use the most recent credit assessment updates available from their selected credit assessment system or source for the debtors 34 or guarantors of submitted assets .
Tržni dolžniški instrumenti , ki so jih izdale nefinančne družbe in so brez bonitetne ocene , niso vključeni na javno listo primernega tržnega finančnega premoženja .
Credit assessments of debtors / guarantors : The high credit standards of the debtors or guarantors of credit claims are established according to rules differentiating between public sector and non-financial corporate debtors / guarantors : -* Public sector debtors or guarantors : The following rules are applied in a sequential order : ( i ) A credit assessment from the system or source selected by the counterparty exists and is used to establish whether the public sector debtor or guarantor meets the credit quality threshold .
6.3.3 IZPOLNJEVANJE VISOKIH BONITETNIH STANDARDOV ZA NETRŽNO FINANČNO PREMOŽENJE BANČNA POSOJILA Za ugotovitev zahtevanih visokih bonitetnih standardov , ki jih morajo izpolnjevati dolžniki ali garanti bančnih posojil , morajo nasprotne stranke izmed virov , ki so na voljo in jih Eurosistem sprejema , izbrati en glavni bonitetni vir . Nasprotna stranka iz razpoložljivega bonitetnega vira izbere en sistem , razen v primeru zunanjih bonitetnih institucij , kjer se lahko uporabijo vsi sprejeti sistemi zunanjih bonitetnih institucij .
( ii ) In the absence of a credit assessment under ( i ) , an ECAI credit assessment of the debtor or guarantor is used .
Nasprotne stranke se morajo izbranega vira držati najmanj eno leto , da bi preprečili „skakanje » med bonitetnimi ocenami ( tj .
35 ( iii ) If no credit assessment is available under either ( i ) or ( ii ) , the same procedure as for marketable assets applies : -* The debtor or guarantor is allocated to one of three classes in accordance with the CRD 36 as explained in Table 5 .
iskanje najboljše bonitetne ocene , ki med vsemi razpoložljivimi viri ali sistemi zagotavlja primernost za vsakega dolžnika posebej ) .
An implicit credit assessment for debtors or guarantors belonging to classes 1 and 2 is derived from the ECAI credit assessment of the central government of the country where the debtor or guarantor is established .
Nasprotne stranke , ki bi po enem letu želele zamenjati bonitetni vir , morajo zadevni nacionalni centralni banki predložiti utemeljeno zahtevo . Ob predložitvi utemeljene zahteve lahko nasprotne stranke uporabijo več kot en sistem ali vir .
This implicit assessment has to meet the Eurosystem credit quality threshold .
Glavni izbrani bonitetni vir naj bi pokrival največje število dolžnikov , ki jih predloži nasprotna stranka .
If a credit assessment from the system or source selected by the counterparty ( or from an ECAI in case ( ii ) for public sector debtors or guarantors ) exists but is below the credit quality threshold , the debtor or guarantor is ineligible . 34 In the case of marketable assets issued by non-financial corporations but not rated by an accepted ECAI , this requirement applies to the credit assessment of issuers .
Nasprotne stranke morajo nacionalno centralno banko takoj obvestiti o kakršnem koli kreditnem dogodku , ki je nasprotni stranki poznan , vključno z zamudo pri plačilu s strani predloženega dolžnika , ter po potrebi umakniti ali zamenjati finančno premoženje . Poleg tega so nasprotne stranke odgovorne , da zagotovijo uporabo najnovejših 32 Seznami subjektov , ki sodijo v omenjene tri razrede , ter merila za razporeditev izdajateljev , dolžnikov ali garantov v enega od treh razredov , naj bi bili skupaj s povezavami na spletne strani nacionalnih nadzornih organov na voljo na spletni strani Odbora evropskih bančnih nadzornikov ( CEBS ) : http://www.c-ebs.org/SD/Rules_AdditionalInformation.htm .
35 See footnote 28 in this chapter .
33 Glej opombo 8 v tem poglavju .
CHAPTER 6 -* Non-financial corporate debtors or guarantors : If the source selected by the counterparty provides a credit assessment equal to or exceeding the credit quality threshold , the debtor or guarantor is eligible .
POGLAVJE 6 bonitetnih ocen dolžnikov 34 ali garantov predloženega finančnega premoženja , ki so na voljo pri izbranem bonitetnem sistem ali viru . -* Bonitetna ocena dolžnikov / garantov .
37 , 38 the Eurosystem before the asset supported by the guarantee can be considered eligible . The legal confirmation should also state that the guarantee is not a personal one , only enforceable by the creditor of the credit claim .
Visoki bonitetni standardi dolžnikov ali garantov bančnih posojil se ugotovijo v skladu s pravili , ki razlikujejo med dolžniki / garanti javnega sektorja in tistimi iz sektorja nefinančnih družb . -* Dolžniki ali garanti javnega sektorja .
If the guarantor is established in a jurisdiction other than that of the law governing the guarantee , the legal confirmation must also confirm that the guarantee is valid and enforceable under the law governing the establishment of the guarantor .
Naslednja pravila se uporabljajo v navedenem vrstnem redu : ( i ) bonitetna ocena sistema ali vira , ki ga je izbrala nasprotna stranka , obstaja in se jo uporabi pri presoji , ali dolžnik ali garant javnega sektorja dosega bonitetni prag ; bonitetnega praga , dolžnik ali garant ni primeren .
The legal confirmation should be submitted for review to the national central bank in the jurisdiction of the law governing the credit claim .
Dolžniki ali garanti iz sektorja nefinančnih družb .
The need for a legal confirmation does not apply to guarantees given by public entities entitled to levy taxes .
Če vir , ki ga je izbrala nasprotna stranka , izdela bonitetno oceno , ki je enaka bonitetnemu pragu ali ga presega , je dolžnik ali garant primeren .
The requirement of enforceability is subject to any insolvency or bankruptcy laws , general principles of equity and other similar laws and principles applicable to the guarantor and generally affecting creditors » rights against the guarantor .
37 , 38 Če bonitetna ocena , izdelana s pomočjo sistema ali vira , ki ga je izbrala nasprotna stranka , obstaja , vendar ne dosega bonitetnega praga , dolžnik ali garant ni primeren .
NON-MARKETABLE RETAIL MORTGAGE-BACKED DEBT INSTRUMENTS The high credit standards for non-marketable RMBDs must meet the Eurosystem 's credit quality threshold .
Če ni na voljo nobene bonitetne ocene , s katero bi lahko ugotovili bonitetni standard , dolžnik ali garant ni primeren .
A jurisdiction-specific credit assessment framework for these debt instruments will be specified in the applicable national documentation by the national central banks . 6.3.4 ACCEPTANCE CRITERIA FOR CREDIT ASSESSMENT SYSTEMS The ECAF builds on credit assessment information from four sources .
Jamstva . Jamstvo mora izpolnjevati naslednje zahteve : -* jamstvo se obravnava kot sprejemljivo , če garant brezpogojno in nepreklicno jamči za obveznosti dolžnika v povezavi s plačilom glavnice , obresti in vseh drugih zneskov , ki morajo biti na podlagi bančnega posojila plačani njihovim imetnikom , dokler obveznosti niso v celoti poravnane .
Under each source , there might be a set of credit assessment systems . Eligible assets
V zvezi s tem ni nujno , da se sprejemljivo jamstvo nanaša na prav določeno bančno posojilo , ampak lahko velja le za dolžnika pod pogojem , da zajema tudi zadevno bančno posojilo ; jamstvo mora biti plačljivo na prvi poziv ( neodvisno od bančnega posojila na katerega se nanaša ) .
If a credit assessment from the system or source selected by the counterparty exists but is below the credit quality threshold , the debtor or guarantor is ineligible .
Jamstva , ki jih zagotavljajo osebe javnega prava , upravičene do odmerjanja davkov , morajo biti bodisi plačljiva na prvi poziv bodisi kako drugače zagotavljati takojšnje in pravočasno izplačilo v primeru dogodka neplačila .
If no credit assessment is available to establish the credit standards , the debtor or guarantor is considered ineligible .
Obveznosti garanta iz Primerno finančno premoženje za zavarovanje
Guarantees : A guarantee must meet the following requirements : -* A guarantee is deemed acceptable if the guarantor has unconditionally and irrevocably guaranteed the obligations of the debtor in relation to the payment of principal , interest and any other amounts due under the credit claim to the holder thereof until they are discharged in full . In this regard , a guarantee deemed acceptable does not need to be specific to the credit claim but might apply to the debtor only , provided that it also covers the credit claim in question .
( ii ) če bonitetna ocena pod ( i ) ni na voljo , se uporabi bonitetna ocena dolžnika ali garanta , ki jo je izdelala zunanja bonitetna institucija 35 ; ( iii ) če niti bonitetna ocena pod ( i ) niti bonitetna ocena pod ( ii ) nista na voljo , velja enak postopek kot pri tržnem finančnem premoženju : -* izdajatelj ali garant se razporedi v enega od treh razredov v skladu z direktivo o kapitalskih zahtevah 36 , kot je prikazano v tabeli 5 ;
The guarantee has to be payable on first demand ( independently from the underlying credit claim ) . Guarantees given by public entities entitled to levy taxes should either be payable on first demand or otherwise provide for prompt and punctual payment following default .
implicitna bonitetna ocena za izdajatelja ali garanta , ki sodi v razred 1 ali 2 , se izpelje iz bonitetne ocene zunanje bonitetne institucije za centralno državo države , kjer je ustanovljen izdajatelj ali garant . Implicitna bonitetna ocena mora dosegati bonitetni prag Eurosistema .
The obligations of the guarantor under the guarantee need to rank at least equally and rateably ( pari passu ) with all other unsecured obligations of the guarantor .
Če bonitetna ocena , izdelana s pomočjo sistema ali vira , ki ga je izbrala nasprotna stranka ( ali jo je v primeru pod ( ii ) za dolžnika ali garanta javnega sektorja izdelala zunanja bonitetna institucija ) , obstaja , vendar ne dosega
The guarantee must be governed by the law of an EU Member State and be legally valid , binding and enforceable against the guarantor . A legal confirmation concerning the legal validity , binding effect and enforceability of the guarantee will have to be submitted in a form and with substance acceptable to
34 V primeru tržnega finančnega premoženja , ki ga izdajo nefinančne družbe , vendar nima bonitetne ocene ene izmed sprejetih zunanjih bonitetnih institucij , ta zahteva velja za bonitetno oceno izdajatelja . 35 Glej opombo 28 v tem poglavju .
37 If the counterparty has chosen an ECAI as a credit assessment source , it may use the first-best rule ( see footnote 28 in this chapter ) .
37 Če je nasprotna stranka kot vir bonitetne ocene izbrala zunanjo bonitetno institucijo , lahko uporabi pravilo prve najboljše ocene ( glej opombo 28 v tem poglavju ) .
38 For specific credit assessment systems , the credit quality threshold can be adjusted following the performance monitoring process ( see Section 6.3.5 ) .
38 Pri določenih bonitetnih sistemih se lahko bonitetni prag po opravljenem spremljanju uspešnosti prilagodi ( glej poglavje 6.3.5 ) .
The accepted ECAIs , ICASs and third-party RTs and their providers are listed on the ECB 's website ( www.ecb.europa.eu ) .
Sprejete zunanje bonitetne institucije , interni bonitetni sistemi nacionalnih centralnih bank in bonitetna orodja zunanjih ponudnikov so navedeni na spletnih straneh ECB ( www.ecb.europa.eu ) .
39 EXTERNAL CREDIT ASSESSMENT INSTITUTION SOURCE The ECAI source encompasses those institutions whose credit assessments may be used by credit institutions for determining the risk weight of exposures according to the CRD .
39 ZUNANJE BONITETNE INSTITUCIJE Ta vir obsega tiste institucije , katerih bonitetne ocene lahko kreditne institucije uporabijo pri ugotavljanju uteži tveganosti glede izpostavljenosti v skladu z direktivo o kapitalskih zahtevah .
40 For the purposes of the ECAF , the general acceptance criteria for ECAIs are the following : -* ECAIs must be formally recognised by the relevant EU supervisory authority for the euro area countries in which they will be used , in line with the CRD . ECAIs must fulfil operational criteria and provide relevant coverage so as to ensure the efficient implementation of the ECAF .
40 Za namene bonitetnega okvira Eurosistema so splošna merila sprejemljivosti , ki veljajo za zunanje bonitetne institucije , naslednja : -* zunanjo bonitetno institucijo mora v skladu z direktivo o kapitalskih zahtevah formalno priznati ustrezen nadzorni organ EU v tistih državah euroobmočja , kjer se bo institucija uporabljala ;
In particular , the use of their credit assessments is subject to the availability to the Eurosystem of information on these assessments , as well as information for the comparison and the assignment ( mapping ) of the assessments with the ECAF credit quality steps and the credit quality threshold and for the implementation of performance monitoring ( see Section 6.3.5 ) . Furthermore , the counterparty must inform the ICAS national central bank promptly about any credit event that is known only to the counterparty , including a delay of payments by the submitted debtors .
zunanja bonitetna institucija mora izpolnjevati operativna merila in zagotoviti ustrezno pokritost , da bi zagotovili učinkovito izvajanje bonitetnega okvira Eurosistema . Bonitetne ocene se uporabljajo pod pogojem , da ima Eurosistem na voljo informacije o teh ocenah , kakor tudi informacije , potrebne za primerjavo in vzporeditev ( mapiranje ) ocen z bonitetnimi stopnjami bonitetnega okvira Eurosistema in bonitetnim pragom ter za spremljanje uspešnosti ( glej poglavje 6.3.5 ) .
Moreover , in countries in which RMBDs are mobilised , the respective national central bank implements a credit assessment framework for this type of asset in accordance with the ECAF . Such frameworks are subject to a yearly performance monitoring process .
-* NETRŽNI HIPOTEKARNI DOLŽNIŠKI INSTRUMENTI Visoki bonitetni standardi za netržne hipotekarne dolžniške instrumente morajo dosegati bonitetni prag Eurosistema .
INTERNAL RATINGS-BASED SYSTEM SOURCE A counterparty intending to use an IRB system to assess the credit quality of the debtors , issuers or guarantors of eligible debt instruments has to obtain the permission of its home national central bank .
Bonitetni okvir za te instrumente , ki upošteva posebnosti posamezne jurisdikcije , bo v zadevnih nacionalnih predpisih opredelila nacionalna centralna banka .
For that purpose , it must file a request , together with the following documents : 41 -* A copy of the decision of the relevant banking supervisory authority within the EU authorising the counterparty to use its IRB system for capital requirement purposes on a consolidated or unconsolidated basis , together with any specific conditions for such use .
6.3.4 MERILA SPREJEMLJIVOSTI ZA BONITETNE SISTEME Bonitetni okvir Eurosistema temelji na bonitetnih ocenah iz štirih virov .
Such a copy is not requested when such information is transmitted directly by the relevant supervisory authority to the relevant national central bank .
Znotraj vsakega vira lahko obstaja več bonitetnih sistemov .
Information on its approach to assigning probabilities of default to debtors , as well as data on the rating grades and associated one-year probabilities of default used to determine eligible rating grades . A copy of the Pillar 3 ( market discipline ) information that the counterparty is required to publish on a regular basis in accordance with the requirements on market discipline under Pillar 3 of the Basel II framework and the CRD .
Eurosistem si pridržuje pravico , da odloči , ali bo pri svojih operacijah posojanja sprejel zunanjo bonitetno institucijo , pri čemer med drugim upošteva tudi spremljanje uspešnosti .
-* The Eurosystem reserves the right to decide whether it accepts an ECAI for its lending operations , making use , among other factors , of its performance monitoring process . NCB IN-HOUSE CREDIT ASSESSMENT SYSTEM SOURCE The ICAS source currently consists of the four credit assessment systems operated by the Deutsche Bundesbank , the Banco de España , the Banque de France and the Oesterreichische Nationalbank .
INTERNI BONITETNI SISTEM NACIONALNE CENTRALNE BANKE Ta vir trenutno obsega štiri bonitetne sisteme , ki jih upravljajo Deutsche Bundesbank , Banco de España , Banque de France in Oesterreichische Nationalbank . Nacionalne centralne banke , ki bi želele razviti svoj 39 Eurosistem objavlja te informacije samo v povezavi s kreditnimi operacijami Eurosistema in ne prevzema nobene odgovornosti za svojo oceno sprejetih bonitetnih sistemov .
National central banks deciding to develop their own ICAS would be subject to a validation procedure by the Eurosystem .
POGLAVJE 6 interni bonitetni sistem , morajo opraviti postopek potrditve Eurosistema .
ICASs are subject to the Eurosystem performance monitoring process ( see Section 6.3.5 ) .
Eurosistem nadzira interne bonitetne sisteme nacionalnih centralnih bank prek spremljanja uspešnosti ( glej poglavje 6.3.5 ) .
39 The Eurosystem only publishes the information in conjunction with its Eurosystem credit operations and does not assume any responsibility for its evaluation of the accepted credit assessment systems .
Poleg tega mora nasprotna stranka takoj obvestiti interni bonitetni sistem NCB o kakršnem koli kreditnem dogodku , ki je nasprotni stranki poznan , vključno z zamudo pri plačilu s strani predloženega dolžnika .
40 ECAIs are commonly referred to as rating agencies in financial markets .
V državah , kjer nasprotne stranke mobilizirajo netržne hipotekarne dolžniške instrumente , zadevna nacionalna centralna banka vzpostavi bonitetni okvir za to vrsto finančnega premoženja v skladu z bonitetnim okvirom Eurosistema .
41 If necessary , the listed documentation should be translated in a working language of the home national central bank . 46
INTERNI BONITETNI SISTEM Nasprotna stranka , ki namerava za oceno bonitete dolžnika , izdajatelja ali garanta primernega dolžniškega instrumenta uporabiti interni bonitetni sistem , mora pridobiti dovoljenje svoje domače nacionalne centralne banke .
ECB The implementation of monetary policy in the euro area November 2008 CHAPTER 6 -* The name and the address of both the competent banking supervisor and the external auditor .
Za to mora vložiti prošnjo skupaj z naslednjimi dokumenti : 41 -* kopijo sklepa ustreznega bančnega nadzornega organa v EU , ki dovoljuje nasprotni stranki , da za namene kapitalskih zahtev na konsolidirani ali nekonsolidirani osnovi uporabi svoj interni bonitetni sistem , skupaj z vsemi posebnimi pogoji uporabe . Kopija ni potrebna , če ustrezni nadzorni organ predloži te informacije neposredno zadevni nacionalni centralni banki ;
-* the annual update of the Pillar 3 ( market discipline ) information that the counterparty is required to publish on a regular basis in accordance with the requirements of the Basel II framework and the CRD .
kopijo informacij o tretjem stebru ( tržna disciplina ) , ki jih mora nasprotna stranka redno objavljati v skladu z zahtevami o tržni disciplini znotraj tretjega stebra kapitalskega sporazuma Basel II in direktive o kapitalskih zahtevah ;
information on the competent banking supervisor and the external auditor .
-* ime in naslov pristojnega bančnega nadzornika ter zunanjega revizorja .
In addition to the information requirements for this process , the counterparty is under an obligation to communicate the following information on an annual basis ( or as and when required by the relevant national central bank ) unless such information is transmitted directly by the relevant supervisory authority to the relevant national central bank : -* a copy of the most up-to-date assessment of the counterparty 's IRB system by the counterparty 's supervisor translated into a working language of the home national central bank ;
Poleg zahtevanih informacij v okviru tega postopka mora nasprotna stranka vsako leto ( oziroma takrat , ko to zahteva zadevna nacionalna centralna banka ) sporočiti tudi naslednje informacije , razen če ustrezni nadzorni organ predloži te informacije neposredno zadevni nacionalni centralni banki : -* kopijo najnovejše ocene internega bonitetnega sistema nasprotne stranke , ki jo je izdelal nadzornik nasprotne stranke , prevedene v delovni jezik domače nacionalne centralne banke ;
any changes to the counterparty 's IRB system recommended or required by the supervisor , together with the deadline by which such changes must be implemented ; -*
-* kakršno koli spremembo v internem bonitetnem sistemu nasprotne stranke , ki jo je priporočil ali zahteval nadzornik , skupaj z rokom , do katerega je treba spremembo izvesti ;
This yearly communication has to be signed by the counterparty 's CEO , CFO or a manager of similar seniority , or by an authorised signatory on behalf of one of them . The relevant supervisor and , where applicable , the external auditor of the counterparty receive a copy of this letter from the Eurosystem .
letno dopolnitev informacije o tretjem stebru ( tržna disciplina ) , ki jih mora nasprotna stranka redno objavljati v skladu z zahtevami tretjega stebra kapitalskega sporazuma Basel II in direktive o kapitalskih zahtevah ; informacije o pristojnem bančnem nadzorniku ter zunanjem revizorju .
THIRD-PARTY RATING TOOL SOURCE The RT source consists of third-party applications that assess the credit quality of debtors using , among other information , audited accounts . The tools have to be operated by the RT providers .
Eurosistema za spremljanje uspešnosti 43 ( glej poglavje 6.3.5 ) . Ponudnik bonitetnih orodij mora vzpostaviti in vzdrževati potrebno infrastrukturo za spremljanje tako imenovanega statičnega nabora .
Counterparties wishing to use a specific RT for ECAF purposes have to submit a request to their respective national central bank , using the appropriate template provided by the Eurosystem , complemented by additional documentation of the RT as specified in the application form .
Določitev in ocena statičnega nabora morata biti v skladu s splošnimi zahtevami spremljanja uspešnosti znotraj bonitetnega okvira Eurosistema .
The Eurosystem decides on the acceptance of the proposed RT .
Ponudnik bonitetnih orodij mora obvestiti Eurosistem o rezultatih ocenjevanja uspešnosti , takoj ko ga je opravil .