natgillin/translations-raw huggingface dataset:
Furthermore , the ECB expects that the coordinating role played by the supervisor on a consolidated basis , together with the explicit requirement to exchange information , will contribute to the stability of the banking sector both at EU and Member State level .
ECB nadalje pričakuje , da bo usklajevalna vloga nadzornika na konsolidirani osnovi , skupaj z izrecno zahtevo po izmenjavi informacij , prispevala k stabilnosti bančnega sektorja na ravni EU in na ravni posameznih držav članic .
From the perspective of the supervisor on a consolidated basis , enhanced input from national supervisors regarding the local activities and risks of EU subsidiaries of a group should be combined to provide a thorough review and evaluation of the group as a whole , as required by Article 124 in conjunction with Articles 71 to 73 of the proposed banking directive .
S stališča nadzornika na konsolidirani osnovi bi morali biti povečani prispevki nacionalnih nadzornikov glede lokalnih dejavnosti in tveganj podrejenih družb skupine v EU med seboj povezani , da bi omogočili temeljit pregled in oceno skupine kot celote , kakor je to zahtevano s členom 124 v povezavi s členi od 71 do 73 predlagane bančne direktive .
From the perspective of national supervisors , the information gathered by the supervisor on a consolidated basis could make it easier to assess potential financial problems occurring in other entities of a group , which may affect local subsidiaries .
S stališča nacionalnih nadzornikov bi lahko informacije , ki bi jih zbral nadzornik na konsolidirani osnovi , olajšale oceno morebitnih finančnih problemov pri drugih subjektih skupine , ki bi lahko vplivali na lokalne podrejene družbe .
Moreover , the additional information available to national supervisors should also facilitate the exercise of central banking functions in the area of financial stability , payment systems and monetary policy .
Poleg tega bi dodatne informacije , ki bi bile na razpolago nacionalnim nadzornikom , olajšale tudi izvajanje centralnobančnih funkcij na področju finančne stabilnosti , plačilnih sistemov in denarne politike .
The ECB also recommends the use of consistent terminology to express how the competent authorities can intervene prior to the use of certain risk weights and measurement techniques .
ECB priporoča tudi uporabo enotne terminologije , s katero se izrazi , kako lahko pristojni organi posredujejo pred uporabo določenih uteži za tehtanje tveganja in tehnik merjenja .
A clear distinction could be made between cases where the competent authorities are expected to communicate a formal administrative decision upon application by the credit institution and those where the competent authorities can simply review the proposed technique without the need to take a formal decision .
Jasno bi se lahko razlikovalo med primeri , ko se od pristojnih organov pričakuje , da bodo na podlagi vloge kreditne institucije izdali formalno upravno odločbo , in med tistimi , ko lahko pristojni organi preprosto pregledajo predlagano tehniko , ne da bi morali sprejeti formalno odločitev .
Role of the authority responsible for supervision on a consolidated basis
Vloga organa , odgovornega za nadzor na konsolidirani osnovi
Article 129 ( 2 ) of the proposed banking directive ( in conjunction with Article 37 ( 2 ) of the proposed capital adequacy directive ) offers an opportunity to foster financial integration .
Člen 129 ( 2 ) predlagane bančne direktive ( v povezavi s členom 37 ( 2 ) predlagane direktive o kapitalski ustreznosti ) ponuja priložnost za omogočanje finančnega združevanja .
It lays down a legal basis for group-wide use of the IRB Approach , Advanced Measurement Approaches ( AMAs ) and the Internal Models Approach for market risks , which is complemented by a procedure streamlining the group-wide approval process .
Določa pravno podlago za uporabo pristopa IRB , naprednih pristopov merjenja ( Advanced Measurement Approaches -- AMA ) in pristopa internih modelov za tržna tveganja za celotno skupino , ki je dopolnjena s postopkom poenostavitve postopka potrditve za celotno skupino .
This should enable alignment of group-wide management practices in relation to compliance with regulatory capital requirements , which should improve integration of group structures and , as a consequence , of the banking sector as a whole .
To bi moralo omogočiti usklajenost praks upravljanja za celotno skupino v zvezi z izpolnjevanjem regulativnih kapitalskih zahtev , kar bi moralo izboljšati združevanje skupinskih struktur in posledično bančnega sektorja kot celote .
( 1 ) An indicator of the increasing relevance of cross-border activities is the growing share of non-domestic branches and subsidiaries in total banking sector assets , which was more than 20 % in 2003 .
( 1 ) Kazalec naraščajočega pomena čezmejnih dejavnosti je rastoč delež tujih podružnic in podrejenih družb v skupni aktivi bančnega sektorja , ki je bil v letu 2003 več kot 20 %.
See the ECB 's « Report on EU Banking Structure » , November 2004 ;
Glej „Report on EU Banking Structure » ( Poročilo o strukturi bančništva v EU ) ECB , november 2004 ;
available on the ECB 's website .
na voljo na spletni strani ECB .
The ECB considers that enhancing the role of the authority responsible for supervision on a consolidated basis ( hereinafter the « supervisor on a consolidated basis ') , as envisaged
ECB meni , da pomeni večja vloga organa , odgovornega za nadzor na konsolidirani osnovi ( v nadaljevanju : „nadzornik
Official Journal of the European Union Timing and transitional provisions
Uradni list Evropske unije Časovni okvir in prehodne določbe
Notwithstanding the potential benefits of Article 129 ( 2 ) , complex issues may arise when it is applied and these need to be anticipated and resolved in order to maximise its effect .
Ne glede na morebitne koristi člena 129 ( 2 ) se lahko ob njegovi uporabi pojavijo kompleksna vprašanja , ki jih je treba predvideti in rešiti , da bi se tako povečal njegov učinek .
For instance , problems could arise if there are disagreements between the home and host supervisors of subsidiaries of a group that are considered significant ( 1 ) over the interpretation of the proposed banking directive 's requirements .
Problemi bi na primer lahko nastali , če bi prišlo do nesporazumov med domačimi nadzorniki in nadzorniki v državi gostiteljici pri nadzoru podrejenih družb skupine , ki se štejejo za pomembne ( 1 ) , v zvezi z razlago zahtev predlagane bančne direktive .
Even though the third subparagraph of Article 129 ( 2 ) requires the supervisor on a consolidated basis to make a determination in the absence of an agreement between supervisory authorities within six months , disagreements between home and host supervisors need to be addressed so as not to undermine the powers of the competent national supervisory authorities , which have to rely on the outcome of the group-wide approach at local level and guarantee a level playing field ( 2 ) .
Čeprav tretji pododstavek člena 129 ( 2 ) zahteva , da nadzornik na konsolidirani osnovi sprejme ugotovitev , če ne pride do sporazuma med nadzornimi organi v šestih mesecih , je treba nesporazume med domačimi nadzorniki in nadzorniki v državi gostiteljici urediti tako , da se ne slabijo pooblastila pristojnih nacionalnih nadzornih organov , ki se morajo zanesti na izid pristopa za celotno skupino na lokalni ravni in zagotavljati enake konkurenčne pogoje ( 2 ) .
The ECB welcomes the provisions on the timing of the introduction of the new capital requirements in Chapter 1 of Title VII of the proposed banking directive .
ECB pozdravlja določbe o časovnem okvirju uvedbe novih kapitalskih zahtev v Poglavju 1 Naslova VII predlagane bančne direktive .
These provisions mirror the timing provided for in Basel II and should ensure that European credit institutions are not put at a disadvantage vis-à-vis their competitors from third countries .
Te določbe odražajo časovni okvir , določen v Baslu II , in bi morale zagotoviti , da evropske kreditne institucije niso postavljene v slabši položaj v primerjavi z njihovimi konkurenti iz tretjih držav .
Furthermore , a postponed application would , to a certain extent , undermine the preparations which EU credit institutions have made to keep to the initial timeframe .
Dodatno bi odložena uporaba v določeni meri izničila priprave , ki so jih kreditne institucije v EU opravile , da bi se držale izhodiščnega časovnega okvirja .
For these reasons the ECB encourages the Community institutions to maintain the schedule proposed by the Commission .
Iz teh razlogov ECB spodbuja institucije Skupnosti , da se držijo razporeda , ki ga je predlagala Komisija .
The potential benefits of Article 129 ( 2 ) also depend on how the powers of competent national supervisors to impose supervisory measures on local subsidiaries under the second pillar of Basel II ( the supervisory review process ) interact with group-wide approval decisions .
Morebitne koristi člena 129 ( 2 ) so odvisne tudi od tega , kakšen je medsebojni vpliv med pooblastili pristojnih nacionalnih nadzornikov za izrekanje nadzornih ukrepov lokalnim podrejenim družbam po drugem stebru Basla II ( postopek regulativnega nadzora ) in odločitvami glede potrditve za celotno skupino .
Credit institutions filing applications under Article 129 ( 2 ) need legal certainty .
Kreditne institucije , ki vlagajo zahtevke po členu 129 ( 2 ) , potrebujejo pravno varnost .
In this respect , applicable procedures and review by the courts of group-wide decisions as well as the ongoing supervision of use of the group-wide IRB Approach and AMAs deserve attention .
S tem v zvezi je treba nameniti pozornost veljavnim postopkom in sodni presoji odločitev za celotno skupino kot tudi stalnemu nadzoru uporabe pristopa IRB in AMA za celotno skupino .
The respective powers of supervisory authorities to rectify shortcomings in a group 's approach , which arise after approval has been granted , and to withdraw an approval , should therefore be addressed in the proposed banking directive .
Pooblastila nadzornih organov , na podlagi katerih lahko odpravijo pomanjkljivosti v skupinskem pristopu , ki nastopijo po tem , ko je bila potrditev že dana , in umaknejo potrditev , bi torej morala biti urejena v predlagani bančni direktivi .
Moreover , the ECB considers that attention should be given to the far-reaching nature of the reform and the residual uncertainty about its influence on the level of capital in the EU financial system as a whole ( even if this uncertainty has been reduced as far as possible by quantitative impact studies ) .
ECB poleg tega meni , da bi bilo treba posvetiti pozornost daljnosežni naravi reform in preostali negotovosti glede njenega vpliva na raven kapitala v finančnem sistemu EU kot celoti ( čeprav je bila ta negotovost s kvantitativnimi študijami učinkov zmanjšana v največji možni meri ) .
For this reason , the ECB fully supports the introduction of the transitional requirements in Article 152 of the proposed banking directive , which limit the impact on credit institutions » minimum capital requirements over the first three years after transposition of the directive .
Iz tega razloga ECB popolnoma podpira uvedbo prehodnih zahtev v členu 152 predlagane bančne direktive , ki omejujejo učinek na minimalne kapitalske zahteve za kreditne institucije v prvih treh letih po prenosu direktive v nacionalno zakonodajo .
Given the importance of the above issues for an effective application of Article 129 ( 2 ) of the proposed banking directive , the ECB strongly supports the work to be carried out by CEBS on the application of Article 129 as a whole and is confident that consistent application will result .
Glede na pomembnost zgoraj navedenih vprašanj za učinkovito uporabo člena 129 ( 2 ) predlagane bančne direktive ECB močno podpira delo , ki naj ga opravi CEBS v zvezi z uporabo člena 129 kot celote , in je prepričana , da bo imelo za posledico enotno uporabo .
However , it recommends inserting a provision into the proposed banking directive which requires an assessment and , if necessary , a revision of Article 129 three years after transposition of the directive in order to take into account how Article 129 is being applied in practice and whether it is achieving its ends .
Predlaga pa vključitev določbe v predlagano bančno direktivo , ki bi zahtevala oceno in po potrebi spremembo člena 129 tri leta po prenosu direktive v nacionalno zakonodajo , da bi se tako upoštevalo , kako se člen 129 uporablja v praksi in ali dosega svoje cilje .
The ECB would also support work of CEBS with respect to Article 131 of the proposed banking directive , which requires the supervisor on a consolidated basis and the other competent supervisory authorities to have « written coordination and cooperation arrangements in place » .
ECB bi podpirala tudi delo CEBS v zvezi s členom 131 predlagane bančne direktive , ki od nadzornika na konsolidirani osnovi in drugih pristojnih nadzornih organov zahteva , da imajo „pisne dogovore o usklajevanju in sodelovanju » .
The ECB therefore supports work by CEBS to develop a model arrangement for coordination and cooperation to be used by all supervisory authorities concerned .
ECB zato podpira delo CEBS glede razvoja vzorčnega dogovora o usklajevanju in sodelovanju , ki ga bodo uporabljali vsi zadevni nadzorni organi .
( 1 ) « Significant » can refer either to the relative importance of the subsidiaries for the group as a whole or for the banking system in the host jurisdiction .
( 1 ) „Pomembne » se lahko nanaša bodisi na relativno pomembnost podrejenih družb za skupino kot celoto bodisi na pomembnost za bančni sistem v državi gostiteljici .
( 2 ) The level playing field could be jeopardised if some banks » IRB Approaches were validated by the supervisor on a consolidated basis , whereas for other banks the validation was carried out by the domestic supervisor .
( 2 ) Enaki konkurenčni pogoji bi bili lahko ogroženi , če bi pristope IRB nekaterih bank potrdil nadzornik na konsolidirani osnovi , za druge banke pa bi potrditev opravil domači nadzornik .
Notwithstanding the need to base estimations of risk factors on data histories that are long enough to cover fluctuating economic conditions , the transitional provisions should support credit institutions in their transition to the more sophisticated IRB Approach by temporarily relaxing certain requirements , which are gradually tightened as an institution 's ability to collect data improves .
Čeprav morajo ocene dejavnikov tveganja temeljiti na zgodovinskih serijah podatkov , ki so dovolj dolge , da pokrivajo nihanja ekonomskih pogojev , bi morale prehodne določbe podpirati kreditne institucije pri prehodu k bolj izpopolnjenemu pristopu IRB z začasno omilitvijo nekaterih zahtev , ki bi se z izboljševanjem sposobnosti institucije , da zbira podatke , postopoma postroževale .
This refers to the obligation to have a minimum of five years » data on historical observations of the probability of default ( paragraph 66 of Part 4 of Annex VII to the proposed banking directive ) .
To se nanaša na obveznost , da imajo podatke o zgodovinskih opazovanjih verjetnosti neizpolnitve obveznosti za vsaj pet let ( odstavek 66 v Delu 4 Priloge VII k predlagani bančni direktivi ) .
In that respect , Article 154 ( 5 ) of the proposed directive will permit Member States to apply a reduced two-year data requirement to credit institutions which have decided to implement the IRB Approach before 31 December 2007 .
V tem smislu bo člen 154 ( 5 ) predlagane direktive državam članicam dovolil uporabo zmanjšane zahteve po podatkih za dve leti za tiste kreditne institucije , ki so se odločile za uvedbo pristopa IRB pred 31 . decembrom 2007 .
However , institutions adopting the IRB Approach after 31 December 2007 must have three years » data by the end of 2008 , four years » data by the end of 2009 and five years » data by the end of 2010 .
Vendar pa morajo institucije , ki bodo sprejele pristop IRB po 31 . decembru 2007 , imeti podatke za tri leta do konca leta 2008 , za štiri leta do konca leta 2009 in podatke za pet let do konca leta 2010 .
In practice , it will be impossible for them to have three years » data by the end of 2008 unless they have already gathered two years » data by the end of 2007 .
V praksi ne bodo mogle imeti podatkov za tri leta do konca leta 2008 , če niso zbrale že podatkov za dve leti do konca leta 2007 .
The ECB consequently considers it desirable to modify this provision in a way which would realistically allow use of the IRB Approach to be recognised during the transition period as well .
ECB posledično meni , da bi bilo zaželeno spremeniti to določbo tako , da bi realno dopuščala odobritev uporabe pristopa IRB tudi med prehodnim obdobjem .
In this regard , the ECB welcomes the changes to Article 154 ( 5 ) and ( 6 ) set out in the Council 's general approach , which represent a pragmatic solution .
S tem v zvezi ECB pozdravlja spremembe člena 154 ( 5 ) in ( 6 ) , določene v splošnem pristopu Sveta , ki predstavljajo pragmatično rešitev .
2.3.2005 Monitoring
2.3.2005 Spremljanje
Official Journal of the European Union pro-cyclical
Uradni list Evropske unije procikličnih
the structural and possible impacts of the new framework
strukturnih in morebitnih učinkov novega okvirja
The overall structural impact of the proposed directives has been an issue of concern stemming , inter alia , from the challenging task of combining capital neutrality and increasingly sophisticated approaches .
Splošen strukturni učinek predlaganih direktiv je zbudil določene pomisleke , ki so med drugim izhajali iz zahtevne naloge povezovanja kapitalske nevtralnosti in naraščajoče izpopolnjenih pristopov .
The ECB fully supports the overall calibration of the regulatory capital requirements set out in the proposed directives and notes that the results of a quantitative impact study ( QIS3 ) ( 1 ) covering Member States gave an overall positive assessment regarding the effect on smaller EU credit institutions , EU investment firms and lending to small and mediumsized enterprises ( which , it seems , will not be disadvantaged by the proposed directives ) , as well as the preservation of a level playing field within the EU vis-à-vis competitors from third countries .
ECB popolnoma podpira splošno kalibracijo regulativnih kapitalskih zahtev , določenih v predlaganih direktivah , in ugotavlja , da so izsledki kvantitativne študije učinkov ( quantitative impact study -- QIS3 ) ( 1 ) , ki je zajela države članice , podali splošno pozitivno oceno glede vpliva na manjše kreditne institucije v EU , investicijske družbe v EU in posojanje majhnim in srednjim podjetjem ( česar , kot se zdi , predlagani direktivi ne bosta ovirali ) , kot tudi glede ohranjanja enakih konkurenčnih pogojev znotraj EU v razmerju do konkurentov iz tretjih držav .
The ECB also notes the overall positive assessment provided by a report prepared under the auspices of the European Commission on the financial and macroeconomic consequences of the revised capital requirements ( 2 ) .
ECB ugotavlja , da splošna pozitivna ocena izhaja tudi iz poročila o finančnih in makroekonomskih posledicah revidiranih kapitalskih zahtev , pripravljenega pod okriljem Evropske komisije ( 2 ) .
However , an ex-ante assessment of the quantitative impact of the proposed directives cannot cover their dynamic effects , given that the behaviour of financial institutions may change due to the incentives provided by different risk weights under the revised as compared to the current capital requirements .
Vendar pa vnaprejšnja ocena kvantitativnega učinka predlaganih direktiv ne more zajeti njunih dinamičnih vplivov , saj se vedenje finančnih institucij lahko spremeni spričo spodbude zaradi drugačnih uteži za tehtanje tveganja po revidiranih kapitalskih zahtevah v primerjavi z veljavnimi zahtevami .
Therefore , the ECB would support regular ex-post monitoring , which should also cover the structural implications and the allocation of risks .
ECB bi zato podprla redno spremljanje za nazaj , ki bi moralo zajeti tudi strukturne implikacije in porazdelitev tveganj .
concerns by means of adjusting the proposed directives to limit pro-cyclical effects .
učinkov .
Indeed , EU supervisory authorities have a common interest in considering appropriate ways to reduce the risk of heightened pro-cyclicality , since macroeconomic conditions are gradually becoming more closely interwoven , particularly in the euro area .
Nadzorni organi v EU imajo skupen interes , da preučijo primerne načine za zmanjšanje tveganja povečane procikličnosti , saj se makroekonomski pogoji postopno vse tesneje prepletajo , zlasti v euroobmočju .
A common approach to addressing pro-cyclicality would also support a level playing field and transparency in the single market .
Enoten pristop k obravnavi procikličnosti bi podpiral tudi enake konkurenčne pogoje in preglednost na enotnem trgu .
However , the ECB still considers monitoring by the Commission and the competent national authorities to be necessary .
Vendar pa ECB še vedno šteje za potrebno spremljanje s strani Komisije in pristojnih nacionalnih organov .
Therefore , the ECB supports the proposal that the Commission should periodically monitor whether the proposed banking directive has significant effects on the economic cycle , as set out in Article 156 thereof .
ECB zato podpira predlog , da bi morala Komisija periodično spremljati , ali ima predlagana bančna direktiva pomembne učinke na ekonomski cikel , kot je določeno v členu 156 te direktive .
Furthermore , the ECB observes that it is the Commission 's prerogative to adopt proposals for any amendment to the recast Consolidated Banking Directive , and that this also applies to the possible legislative « remedial measures » mentioned in Article 156 .
ECB nadalje ugotavlja , da spada v pristojnost Komisije , da sprejme predloge za spremembe ponovno sprejete konsolidirane bančne direktive , to pa velja tudi za morebitne zakonodajne „ukrepe za izboljšanje stanja » , omenjene v členu 156 .
However , from a macro-prudential perspective it is crucial that possible legislative « remedial measures » are of a symmetric nature and that capital standards are only changed when the adjustment is prudentially sustainable through the entire cycle .
Vendar pa je z makrobonitetnega vidika odločilno , da so morebitni zakonodajni „ukrepi za izboljšanje stanja » simetrične narave in da se kapitalski standardi spremenijo le , kadar se prilagoditev lahko v bonitetnem smislu ohrani skozi celoten cikel .
The ECB suggests explaining this need in recital 59 to the proposed banking directive .
ECB predlaga , da se ta potreba pojasni v uvodni izjavi 59 k predlagani bančni direktivi .
In addition to monitoring of the general impact of the proposed directives , certain specific features may also require future monitoring .
Poleg splošnega učinka predlaganih direktiv bo v prihodnje lahko treba spremljati tudi nekatere posebne značilnosti .
By way of example , the ECB observes that the preferential treatment available for commercial real estate lending under the Standardised Approach and Foundation IRB Approach ( 3 ) offers enhanced flexibility compared to Basel II .
ECB primeroma opaža , da ugodnejše obravnavanje posojil za poslovne nepremičnine po standardiziranem pristopu in osnovnem pristopu IRB ( 3 ) ponuja povečano prožnost v primerjavi z Baslom II .
The ECB would emphasise that the interaction between the availability of commercial real estate lending and property prices should , apart from prudent valuation of collateral by banks , also be subject to close monitoring from a macro-prudential perspective .
ECB bi poudarila , da bi moral biti medsebojni vpliv med razpoložljivostjo posojil za poslovne nepremičnine in cenami nepremičnin , poleg skrbnega vrednotenja zavarovanja s strani bank , tudi predmet podrobnega spremljanja z makrobonitetnega vidika .
The ECB intends to contribute to this monitoring process .
ECB namerava prispevati k temu procesu spremljanja .
SPECIFIC REMARKS
Posebne pripombe
Definition of central banks
Opredelitev centralnih bank