natgillin/translations-raw huggingface dataset:
This led to inadequate capital requirements and cyclical volatility of banks » capital as the market environment deteriorated .
To je privedlo do neprimernih kapitalskih zahtev in ciklične nestanovitnosti kapitala bank , saj so se razmere v tržnem okolju poslabšale .
Accordingly , this directive will strengthen the capital requirements based on internal models in several respects : -* there will be a requirement to estimate separately the potential losses in a protracted period of adverse circumstances , thereby enhancing the resilience of models under stress conditions and reducing their potential for pro-cyclicality ;
V skladu s tem bo ta direktiva zaostrila kapitalske zahteve na podlagi notranjih modelov z več vidikov : -* obstajala bo zahteva po ločeni oceni potencialnih izgub v daljšem obdobju negativnega vpliva , s čimer se bo povečala odpornost modelov v izjemnih pogojih in zmanjšala njihova možnost za procikličnost ;
-* institutions will be required to estimate not only the risk of losses from default of debt items in the trading book , but also the potential losses from deterioration in credit quality short of default ;
-* institucije bodo morale oceniti tveganje izgub iz neplačila dolžniških postavk v trgovalni knjigi in tudi potencialnih izgub zaradi poslabšanja kreditne kvalitete zaradi neplačila ;
-* to address doubts about the ability of internal models to adequately capture the particular risk profile of securitisation positions , institutions will be required to assess a separate standardised capital charge for the risks of securitisation positions in the trading book .
-* za obravnavo dvomov v zvezi s sposobnostjo notranjih modelov za ustrezno zajetje določenega profila tveganja pozicij listinjenja bodo morale institucije oceniti ločeno standardizirano kapitalsko zahtevo za tveganja pozicij listinjenja v trgovalni knjigi .
Remuneration policies ( Article 1 ( 2 ) and ( 3 ) ;
5.6 Politike prejemkov Člen 1 ( 2 ) in ( 3 ) ;
Annex I , point ( 1 ) and point ( 4 )( iii )) Under the current European supervisory framework , there is no express requirement that the remuneration policies of financial institutions should be subject to supervisory oversight .
Priloga I , točka ( 1 ) in točka ( 4 )( iii ) . Po veljavnem evropskem nadzornem okviru ni izrecne zahteve po nadzoru politik prejemkov v finančnih institucijah .
As a result , supervisory authorities have generally not focused on the implications of remuneration policies for risk and effective risk management .
Zato se nadzorni organi niso osredotočali na posledice politik prejemkov na tveganje in učinkovito upravljanje s tveganjem .
The purpose of this proposed amendment to the CRD is : -* to impose a binding obligation on credit institutions and investment firms to have remuneration policies and practices that are consistent with and promote sound and effective risk management , accompanied by high level principles on sound remuneration ;
Namen te predlagane spremembe CRD je : -* naložiti zavezujočo obvezo kreditnim institucijam in investicijskim podjetjem glede uporabe politik prejemkov in praks , ki so skladne z in spodbujajo premišljeno in učinkovito upravljanje s tveganjem , skupaj z načeli na visoki ravni v zvezi s premišljenimi nadomestili ;
-* to bring remuneration policies within the scope of the supervisory review under the CRD , so that supervisors would be able to require the firm to take measures to rectify any problems that they might identify ;
-* prenesti politike prejemkov v obseg nadzorniškega pregleda po CRD , tako da lahko nadzorniki od podjetja zahtevajo sprejetje ukrepov za odpravo morebitnih težav , ki jih ugotovijo ;
-* to ensure that supervisors may also impose financial or non-financial penalties ( including fines ) against firms that fail to comply with the obligation .
-* zagotoviti , da lahko nadzorniki naložijo tudi finančne in nefinančne kazni ( vključno z globami ) podjetjem , ki ne izpolnjujejo obveznosti .
The proposed requirement will apply to credit institutions and , by virtue of Article 34 of Directive 2006/49 / EC , to investment firms that are authorised and regulated under Directive 2004/39 / EC on markets in financial instruments .
Predlagana zahteva bo veljala za kreditne institucije in , na podlagi člena 34 Direktive 2006/49 / ES , za investicijska podjetja , ki jih pooblašča in ureja Direktiva 2004/39 / ES o trgih finančnih instrumentov .
The scope of the proposed obligation is restricted to remuneration for staff whose professional activities have a material impact on the risk profile of the bank or investment firm .
Obseg predlagane obveznosti je omejen na prejemke za osebje , katerega poklicne dejavnosti imajo bistven vpliv na profil tveganja banke ali investicijske družbe .
This targets the remuneration policies for those individuals who take decisions that may affect the level of risk assumed by the institution .
To je usmerjeno na politike prejemkov za tiste posameznike , ki sprejemajo odločitve , ki lahko vplivajo na stopnjo tveganja za institucijo .
The proposed high-level principles on sound remuneration are not intended to prescribe the amount and form of remuneration , and institutions remain responsible for the design and application of their particular remuneration policy .
Namen predlaganih načel na visoki ravni za premišljena nadomestila ni predpisati višine in oblike prejemkov , institucije so še naprej odgovorne za oblikovanje in uporabo svoje politike prejemkov .
Firms have flexibility as to how the principles are applied in a way that is appropriate to their size , internal organisation and the nature , scope and complexity of their activities .
Podjetja lahko sama določijo , kako se uporabljajo načela , na način , ki je primeren glede na njihovo velikost , notranjo organiziranost in naravo , področje in celovitost njihovih dejavnosti .
Credit institutions and investment firms carry out different activities and have different levels of tolerated risk : remuneration structures and application of the principles will vary accordingly .
Kreditne institucije in investicijska podjetja opravljajo različne dejavnosti in imajo različne ravni sprejemljivega tveganja : v skladu s tem se razlikujejo tudi strukture prejemkov in uporaba načel .
Prudential oversight in the course of the supervisory review would focus on whether the remuneration policies and practices are consistent with sound risk management given the nature of the firm 's business .
Bonitetni nadzor v okviru nadzorniškega pregleda bi se osredotočil na to , ali so politike in prakse prejemkov glede na naravo poslovanja družbe skladne s premišljenim upravljanjem s tveganjem .
In order to align supervisory assessments , and to assist firms in complying with the principles , the proposal requires CEBS to ensure the existence of guidelines on sound remuneration policies .
Z namenom uskladitve nadzornih ocen in z namenom pomagati podjetjem pri usklajevanju z načeli predlog od CEBS zahteva , da ta zagotovi smernice o premišljenih politikah prejemkov .
If a supervisor identifies problems it may require the credit institution or investment firm to take qualitative or quantitative measures to address those problems .
Če nadzornik ugotovi težave , lahko od kreditne institucije ali investicijske družbe zahteva sprejetje kvalitativnih ali kvantitativnih ukrepov za rešitev teh težav .
Those measures may include a (' qualitative ') requirement for the firm to rectify the situation by changing its remuneration structure to reduce the inherent risk and -- in appropriate cases -- a (' quantitative ') requirement for the firm to hold additional own funds against the risk .
Ti ukrepi lahko vključujejo ( „kvalitativno ") zahtevo , da podjetje izboljša razmere s spremembo strukture prejemkov za zmanjšanje povezanega tveganja , in , če je primerno , ( „kvantitativno ") zahtevo , da podjetje drži dodatna lastna sredstva za tveganje .
In addition , competent authorities must also have the power under the CRD to impose penalties for a breach of any requirement of the Directive ( including the proposed requirement in relation to remuneration policies ) .
Poleg tega morajo imeti pristojni organi po CRD pooblastilo , da naložijo kazni za kršitev katere koli zahteve Direktive ( vključno s predlagano zahtevo v zvezi s politikami prejemkov ) .
This sanctioning power is separate from the power to require firms to take qualitative or quantitative measures .
To pooblastilo za naložitev kazni je ločeno od pooblastila za naložitev podjetjem , da sprejmejo kvalitativne ali kvantitativne ukrepe .
The proposed amendment to Article 54 CRD is intended to ensure that supervisors have both financial and non-financial sanctions at their disposal , and that such sanctions are effective , proportionate and dissuasive .
Predlagana sprememba člena 54 CRD je namenjena zagotovitvi , da imajo nadzorniki na voljo finančne in nefinančne kazni ter da so takšne sankcije učinkovite , sorazmerne in odvračilne .
EN This proposed amendment of the CRD complements the Commission Recommendation on remuneration policies in the financial services sector .
Ta predlagana sprememba CRD dopolnjuje Priporočilo Komisije o politikah prejemkov v sektorju finančnih storitev .
The more detailed principles set out in the Commission Recommendation , along with the CEBS guidelines , will be relevant to compliance with the obligation under the CRD .
Podrobnejša načela iz Priporočila Komisije bodo skupaj s smernicami CEBS pomembna za skladnost z obveznostmi iz CRD .
They should provide further guidance as to how the obligation might be met , and a framework for regulators when assessing firms » remuneration structures .
Ta načela morajo nuditi nadaljnje smernice v zvezi z načinom izpolnitve obveznosti in okvir za zakonodajalce za ocenjevanje struktur prejemkov podjetij .
5.7 General clarification of supervisory review under Article 136 ( 2 ) The proposed new sub-paragraph of Article 136 ( 2 ) is intended to clarify that , when carrying out the supervisory review , competent authorities should take into account both the quantitative and the qualitative aspects of credit institutions » assessment of internal capital under Article 123 , and credit institutions » arrangements , processes , mechanisms and strategies under Articles 22 .
5.7 Splošno pojasnilo nadzorniškega pregleda po členu 136 ( 2 ) Predlagani novi pododstavek člena 136 ( 2 ) je namenjen razjasnitvi , da morajo pristojni organi pri izvajanju nadzorniškega pregleda upoštevati kvantitativne in kvalitativne vidike ocene notranjega kapitala s strani kreditnih institucij po členu 123 ter ureditve , postopke , mehanizme in strategije kreditnih institucij po členu 22 . To pojasnilo velja za celoten
This clarification applies to the entire review process , and is not restricted to the review of the new requirement relating to remuneration policies and practices .
postopek pregleda in ni omejeno na pregled nove zahteve v zvezi s politikami in praksami prejemkov .
The objective is to facilitate further convergence of supervisory practices across the EU .
Namen je pospešiti nadaljnjo približevanje nadzornih praks v EU .
2009/0099 ( COD ) Proposal for a DIRECTIVE OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL amending Directives 2006/48 / EC and 2006/49 / EC as regards capital requirements for the trading book and for re-securitisations , and the supervisory review of remuneration policies ( Text with EEA relevance )
2009/0099 ( COD ) Predlog DIREKTIVA EVROPSKEGA PARLAMENTA IN SVETA o spremembi Direktiv 2006/48 / ES in 2006/49 / ES v zvezi s kapitalskimi zahtevami za trgovalno knjigo in za dodatna listinjenja ter v zvezi z nadzorniškim pregledom politik prejemkov ( Besedilo velja za EGP )
THE EUROPEAN PARLIAMENT AND THE COUNCIL OF THE EUROPEAN UNION , Having regard to the Treaty establishing the European Community , and in particular Article 47 ( 2 ) thereof , Having regard to the proposal from the Commission , Having regard to the opinion of the European Economic and Social Committee9 , Acting in accordance with the procedure laid down in Article 251 of the Treaty10 , Whereas : ( 1 ) Excessive and imprudent risk-taking in the banking sector has led to the failure of individual financial institutions and systemic problems in Member States and globally .
EVROPSKI PARLAMENT IN SVET EVROPSKE UNIJE STA -- ob upoštevanju Pogodbe o ustanovitvi Evropske skupnosti in zlasti člena 47 ( 2 ) Pogodbe , ob upoštevanju predloga Komisije , ob upoštevanju mnenja Evropskega ekonomsko-socialnega odbora9 , v skladu s postopkom , določenim v členu 251 Pogodbe10 , ob upoštevanju naslednjega : ( 1 ) Pretirano in nepreudarno tveganje v bančnem sektorju je privedlo do propada posameznih finančnih institucij ter sistemskih težav v državah članicah in v svetu .
While the causes of such risk-taking are many and complex , there is agreement by supervisors and regulatory bodies , including the G20 and the Committee of European Banking Supervisors , that the inappropriate remuneration structures of some financial institutions have been a contributory factor .
Razlogi za takšno tveganje so številni in zapleteni , vendar med nadzorniki in regulativnimi organi , vključno z G20 in Odborom evropskih bančnih nadzornikov , obstaja soglasje , da so k temu prispevale tudi neprimerne strukture prejemkov nekaterih finančnih institucij .
Remuneration policies which give incentives to take risks that exceed the general level of risk tolerated by the institution can undermine sound and effective risk management and exacerbate excessive risktaking behaviour .
Politike prejemkov , ki pospešujejo tveganja , ki presegajo splošno raven tveganj , sprejemljivih za institucijo , lahko ogrozijo premišljeno in učinkovito obvladovanje tveganja ter spodbudijo pretirano tvegano ravnanje .
Directive 2006/48 / EC of the European Parliament and of the Council of 14 June 2006 relating to the taking up and pursuit of the business of credit institutions11 requires credit institutions to have arrangements , strategies , processes and mechanisms to manage the risks to which they are exposed .
Direktiva 2006/48 / ES Evropskega parlamenta in Sveta z dne 14 . junija 2006 o začetku opravljanja in opravljanju dejavnosti kreditnih institucij11 od kreditnih institucij zahteva uvedbo ureditev , strategij , postopkov in mehanizmov za obvladovanje tveganj , ki so jim izpostavljene .
By virtue of Directive 2006/49 / EC of the European Parliament and of the Council of 14 June 2006 on the capital adequacy of investment firms and credit institutions12 that requirement applies to investment firms within the meaning of Directive 2004/39 / EC of the European Parliament and of the Council of 21 April 2004 on markets in financial instruments amending Council Directives 85/611 / EEC and 93/6 / EEC and Directive 2000/12 / EC of the European Parliament and of the Council and repealing Council Directive 93/22 / EEC13 .
junija 2006 o kapitalski ustreznosti investicijskih podjetij in kreditnih institucij12 ta zahteva velja za investicijska podjetja v smislu Direktive 2004/39 / ES Evropskega parlamenta in Sveta z dne 21 . aprila 2004 o trgih finančnih instrumentov in o spremembah direktiv Sveta 85/611 / EGS , 93/6 / EGS in Direktive 2000/12 / ES Evropskega parlamenta in Sveta ter o razveljavitvi Direktive Sveta 93/22 / EGS13 .
Directive 2006/48 / EC requires competent authorities to review those arrangements , strategies , ( 2 )
Direktiva 2006/48 / ES od pristojnih organov zahteva , da pregledajo te ureditve , strategije , postopke in mehanizme ter ugotovijo , ali lastna sredstva , ki jih drži zadevna kreditna institucija ali investicijsko podjetje , zagotavljajo premišljeno upravljanje in UL C , , str .
9 10 11 12 13 OJ C , , p. .
UL C , , str .
OJ C , , p. . OJ L 177 , 30.6.2006 , p. 1 .
UL L 177 , 30.6.2006 , str . 1 .
J L 177 , 30.6.2006 , p. 201 .
UL L 177 , 30.6.2006 , str . 201 .
processes and mechanisms , and to determine whether the own funds held by the credit institution or investment firm concerned ensure a sound management and coverage of the risks to which the institution or firm is or might be exposed .
SL kritje tveganj , ki jim je institucija ali podjetje lahko izpostavljeno .
That supervision is carried out on a consolidated basis in relation to banking groups , and includes financial holding companies and affiliated financial institutions in all jurisdictions .
Ta konsolidiran nadzor se izvaja v zvezi z bančnimi skupinami ter zajema finančne holdinge in odvisne finančne institucije na vseh območjih pristojnosti .
( 3 ) In order to address the potentially detrimental effect of poorly designed remuneration structures on the sound management of risk and control of risk-taking behaviour by individuals , the requirements of Directive 2006/48 / EC should be supplemented by an express obligation for credit institutions and investment firms to establish and maintain , for those categories of staff whose professional activities have a material impact on their risk profile , remuneration policies and practices that are consistent with effective risk management .
( 3 ) Za odpravo potencialno škodljivega učinka slabo oblikovanih struktur prejemkov na premišljeno obvladovanje tveganja in nadzor tveganega ravnanja s strani posameznikov je treba zahteve Direktive 2006/48 / ES dopolniti z izrecno obveznostjo za kreditne institucije in investicijska podjetja , da za osebje , katerega poklicne dejavnosti imajo bistven vpliv na njihov profil tveganja , vzpostavijo in vzdržujejo politike prejemkov in prakse , ki so skladne z učinkovitim obvladovanjem tveganja .
Because excessive and imprudent risk-taking may undermine the financial soundness of financial institutions and destabilise the banking system , it is important that the new obligation concerning remuneration policies and practices should be implemented in a consistent manner .
Ker lahko pretirano in nepreudarno tveganje ogrozi finančno trdnost finančnih institucij in destabilizira bančni sistem , je pomembno , da se nova obveznost glede politik prejemkov in praks dosledno izvaja .
It is therefore appropriate to specify core principles on sound remuneration to ensure that the structure of remuneration does not encourage excessive risk-taking by individuals and is aligned with the risk appetite , values and long-term interests of the institution .
Zato je primerno opredeliti ključna načela o premišljenih nadomestilih za zagotovitev , da struktura prejemkov ne spodbuja pretiranega tveganja s strani posameznikov in je usklajena s pripravljenostjo za tveganje , vrednotami in dolgoročnimi interesi institucije .
In order to ensure that the design of remuneration policies is integrated in the risk management of the financial institution , the management body ( supervisory function ) of each credit institution or investment firm should establish the general principles to be applied , and the policies should be subject to at least annual independent internal review .
Za zagotovitev , da je zasnova politik prejemkov vključena v obvladovanje tveganja finančnih institucij , mora upravni organ ( nadzorna funkcija ) vsake kreditne institucije ali investicijskega podjetja vzpostaviti splošna načela , politike pa morajo biti predmet najmanj letnega neodvisnega notranjega pregleda .
Remuneration policy should aim at aligning the personal objectives of staff members with the long-term interests of the credit institution or investment firm concerned .
Politika prejemkov mora biti namenjena uskladitvi osebnih ciljev zaposlenih z dolgoročnimi interesi zadevne kreditne institucije ali investicijskega podjetja . Ocene sestavin nadomestila , ki temeljijo na uspešnosti , morajo temeljiti na dolgoročni uspešnosti in upoštevati izjemna tveganja , povezana z uspešnostjo .
The assessment of the performance-based components of remuneration should be based on longer-term performance and take into account the outstanding risks associated with the performance .
Oceno uspešnosti je treba vključiti v večletni okvir , na primer obdobje med tremi in petimi leti , za zagotovitev , da postopek ocenjevanja temelji na dolgoročni uspešnosti in da je dejansko plačilo sestavin nadomestila , ki temeljijo na uspešnosti , porazdeljeno po poslovnem ciklu podjetja .
The assessment of performance should be set in a multi-year framework , for example of three to five years , in order to ensure that the assessment process is based on longer term performance and that the actual payment of performance-based components of remuneration is spread over the business cycle of the firm Commission Recommendation of 30 April 2009 on remuneration policies in the financial services sector14 also sets out principles on sound remuneration policies as to how firms might comply with this obligation , that are consistent with and complement the principles set out in this Directive .
Priporočilo Komisije z dne 30 . aprila 2009 o politikah prejemkov v sektorju finančnih storitev14 določa tudi načela za premišljene politike prejemkov v zvezi z načinom , kako lahko podjetja izpolnjujejo to obveznost , ki so skladna s to direktivo in dopolnjujejo njena načela .
The provisions on remuneration should be without prejudice to the rights , where applicable , of social partners in collective bargaining .
Določbe o prejemkih ne smejo posegati v pravice , kjer je to primerno , socialnih partnerjev v pogajanjih za sklenitev kolektivnih pogodb .
In order to ensure fast and effective enforcement , competent authorities should also have the power to impose either financial or non-financial measures or penalties for breach of a requirement under Directive 2006/48 / EC , including the requirement to have remuneration policies that are consistent with sound and effective risk management .
Za zagotovitev hitrega in učinkovitega izvajanja morajo imeti pristojni organi po Direktivi 2006/48 / ES pooblastilo za naložitev finančnih ali nefinančnih ukrepov ali kazni zaradi kršitve zahteve , vključno z zahtevo po skladnosti politik prejemkov s premišljenim in učinkovitim obvladovanjem tveganj .
Those measures and penalties should be effective , proportionate and dissuasive .
Za zagotovitev učinkovitega nadzora tveganj , ki izhajajo iz neprimernih struktur prejemkov , je treba politike in prakse prejemkov , ki jih sprejmejo kreditne institucije in investicijska podjetja , vključiti v nadzorniški pregled po Direktivi 2006/48 / ES .
C ( 2009 ) 3159
C ( 2009 ) 3159 .
In order to ensure effective supervisory oversight of the risks posed by inappropriate remuneration structures , the remuneration polices and practices adopted by credit institutions and investment firms should be included in the scope of supervisory review under Directive 2006/48 / EC . In the course of that review , supervisors should assess whether those policies and practices are likely to encourage excessive risktaking by the staff in question .
Za spodbujanje konvergenc nadzora pri ocenjevanju politik in praks prejemkov mora Odbor evropskih bančnih nadzornikov zagotoviti smernice za premišljene politike prejemkov v bančnem sektorju .
In order to promote supervisory convergences in the assessment of remuneration policies and practices , the Committee of European Banking Supervisors should ensure the existence of guidelines on sound remuneration policies in the banking sector . The Committee of European Securities Regulators should assist in the elaboration of such guidelines to the extent that they also apply to remuneration policies for persons involved in the provision of investment services and the carrying out of investment activities by credit institutions and by investment firms within the meaning of Directive 2004/39 / EC of the European Parliament and of the Council of 21 April 2004 on markets in financial instruments .
Odbor evropskih regulativnih organov mora pomagati pri pripravi takšnih smernic , če te veljajo tudi za politike prejemkov za osebe , udeležene pri zagotavljanju investicijskih storitev in izvajanju investicijskih dejavnosti kreditnih institucij in investicijskih podjetij v smislu Direktive 2004/39 / ES Evropskega parlamenta in Sveta z dne 21 . aprila 2004 o trgih finančnih instrumentov15 .