natgillin/translations-raw huggingface dataset:
This having been achieved , the time has now come to allow consumers to make cashless payments throughout the euro area from a single account under the same basic conditions , regardless of their location .
Zdaj je prišel čas , da potrošnikom omogočimo še negotovinsko plačevanje z enega samega računa pod enakimi osnovnimi pogoji , ne glede na to , kje v euroobmočju se nahajajo .
For the Eurosystem , such a Single Euro Payments Area ( SEPA ) will become reality when all euro payments in the euro area are treated as domestic payments , and when the current differentiation between national and cross-border payments disappears .
Za Eurosistem bo takšno enotno območje plačil v eurih ( Single Euro Payments Area -- SEPA ) postalo realnost , ko bodo vsa eurska plačila v euroobmočju obravnavana enako kot domača plačila in bo izginilo ločevanje med plačili znotraj države in čezmejnimi plačili .
This requires not only the alignment of national practices for the banking industry , but also changes in customers » habits in all euro area countries .
Za to ni potrebna le prilagoditev nacionalnih praks v bančnem sektorju , ampak tudi sprememba navad uporabnikov v vseh državah euroobmočja .
These changes are needed to move towards a more integrated payments market , which will bring substantial economic benefits .
Te spremembe so potrebne zaradi večje povezanosti plačilnega trga , kar bo prineslo velike gospodarske koristi .
SEPA will not only introduce more comparable services , but will also foster competition and drive innovation .
SEPA namreč ne bo prinesla le bolj primerljivih storitev , ampak bo tudi okrepila konkurenco in spodbudila inovacije .
Institutions that are able to embrace new technological developments and offer customers additional services will benefit from this new integrated market .
Institucije , ki bodo sposobne izkoristiti nove tehnologije in strankam ponuditi dodatne storitve , bodo imele koristi od novega povezanega trga .
In a competitive and integrated economy , a forward-looking view is required so that retail payments have a level of safety and efficiency that is comparable with the best national payments today .
V konkurenčnem in povezanem gospodarstvu je treba gledati naprej , tako da bo varnost in učinkovitost plačil malih vrednosti primerljiva z današnjimi najboljšimi nacionalnimi plačilnimi sistemi .
It is important that the SEPA project is not viewed as just a « one-shot operation » , but rather as a continually evolving project that fosters European integration , seeking to improve all aspects of the euro area retail payments market on an ongoing basis .
Pomembno je , da projekta SEPA ne obravnavamo kot enkraten dogodek , ampak kot projekt , ki se neprestano razvija in spodbuja evropsko povezovanje ter si prizadeva izboljšati vse vidike trga plačil malih vrednosti v euroobmočju .
SEPA will also make a notable contribution to the so-called Lisbon Agenda , which aims at fostering competitiveness and ensuring the continuous development of the European economy .
SEPA bo znatno prispevala k tako imenovani lizbonski strategiji , katere cilj je spodbujati konkurenčnost in zagotavljati neprestan razvoj evropskega gospodarstva .
The SEPA project is fully part of the setting up of a single market for Europe , and requires the full support of all stakeholders , particularly the entire banking community .
Projekt SEPA je v celoti del vzpostavitve enotnega trga v Evropi in zahteva popolno podporo vseh zainteresiranih strani , zlasti celotnega bančnega sektorja .
The Eurosystem strongly supports the SEPA project .
Projekt SEPA močno podpira tudi Eurosistem .
SEPA will also contribute to making Europe more competitive SEPA will foster competition and innovation , and improve conditions for customers
SEPA bo prispevala tudi k bolj konkurenčni Evropi SEPA bo spodbujala konkurenco in inovacije ter izboljšala pogoje za uporabnike
I N T RO D U C T I O N Since the establishment of the European Economic Community in 1958 , the movement towards a more integrated European financial market has been marked by several events , the most visible of which were undoubtedly the launch of the euro in 1999 , and the cash changeover in the euro area countries in 2002 in particular .
Od ustanovitve Evropske gospodarske skupnosti leta 1958 so približevanje k bolj povezanemu evropskemu finančnemu trgu zaznamovali številni dogodki , nedvomno pa je bila najbolj vidna uvedba eura leta 1999 in zlasti prehod na eurogotovino leta 2002 v državah euroobmočja .
Less visible , but also of great importance , was the establishment of the central banks » large-value payment system , known as TARGET , on 1 January 1999 .
Manj vidna , vendar tudi zelo pomembna , je bila vzpostavitev sistema centralnih bank za plačila velikih vrednosti ( TARGET ) , ki je začel delovati 1 . januarja 1999 .
TARGET provides the backbone of the financial system in euro , and is the implementation tool for the Eurosystem 's single monetary policy .
TARGET je hrbtenica eurskega finančnega sistema ter orodje za izvajanje enotne denarne politike Eurosistema .
The SEPA project represents the next major step towards closer European integration .
Projekt SEPA je naslednji velik korak k tesnejšemu evropskemu povezovanju .
SEPA will allow customers to make non-cash euro payments to any beneficiary located anywhere in the euro area using a single bank account and a single set of payment instruments .
SEPA bo omogočila negotovinsko plačevanje v eurih vsem upravičencem , ki se nahajajo kjerkoli v euroobmočju , z uporabo enega samega bančnega računa in enotnega niza plačilnih instrumentov .
All retail payments in euro will thereby become « domestic » , and there will no longer be any differentiation between national and cross-border payments within the euro area .
S tem bodo vsa eurska plačila malih vrednostih postala „domača » in v euroobmočju ne bo več razlike med plačili znotraj države in čezmejnimi plačili .
In 2002 , the banking industry took up this challenging project by creating the European Payments Council ( EPC ) . The EPC is defining the new rules and procedures for euro payments .
Leta 2002 je bančni sektor začel ta zahtevni projekt z ustanovitvijo Evropskega sveta za plačila , ki opredeljuje nova pravila in postopke za eurska plačila .
In doing so , it involved not only the stakeholders in the euro area , but also those in other countries of the European Union ( EU ) , Iceland , Liechtenstein , Norway and Switzerland .
Pri tem niso vključene samo zainteresirane strani na euroobmočju , ampak tudi zainteresirane strani v drugih državah Evropske unije ( EU ) , Islandiji , Lichtensteinu , na Norveškem in v Švici .
Communities outside the euro area will thus have the opportunity to participate in euro payment systems , and will be able to adopt SEPA standards and practices , thereby contributing to the establishment of a single market for payment services .
Skupnosti zunaj euroobmočja bodo tako imele priložnost sodelovati v eurskih plačilnih sistemih in sprejeti standarde in prakse SEPA ter tako prispevati k vzpostavitvi enotnega trga plačilnih storitev .
This brochure presents an overview of the SEPA project .
V tej brošuri je na kratko predstavljena SEPA .
The Eurosystem ( the European Central Bank ( ECB ) and the national central banks ( NCBs ) of the euro area ) is responsible for the smooth operation of payment systems in the euro area , and therefore places particular emphasis on the creation of SEPA in the euro area .
Eurosistem ( Evropska centralna banka ( ECB ) in nacionalne centralne banke ( NCB ) euroobmočja ) je odgovoren za nemoteno delovanje plačilnih sistemov in zato posebno pozornost namenja vzpostavitvi SEPA v euroobmočju .
This brochure therefore mainly focuses on the euro area .
Ta brošura se zato osredotoča predvsem na euroobmočje .
C R E AT I N G A S I N G L E E U RO PAY M E N T S A R E A
O B L I KO V A N J E E N O T N E G A O B M O Č J A P L A Č I L V E U R I H
>OV E RV I E W O F S E PA S E PA I S : >an area in which consumers , companies and other economic actors will be able to make and receive payments in euro , whether between or within national boundaries under the same basic conditions , rights and obligations , regardless of their location .
>K R AT E K P R E G L E D S E PA S E PA J E : >območje , na katerem bodo potrošniki , gospodarske družbe in drugi gospodarski udeleženci lahko plačevali in sprejemali plačila v eurih , tako znotraj državnih meja kot zunaj njih , pod enakimi osnovnimi pogoji , pravicami in obveznostmi , ne glede na to , kje se nahajajo .
T H E A I M O F S E PA I S : >to advance European integration with a competitive and innovative euro area retail payments market that can bring with it higher service levels , more efficient products and cheaper alternatives for making payments .
C I L J S E PA J E : >pospeševanje evropskega povezovanja s pomočjo konkurenčnega in inovativnega trga plačil malih vrednosti v euroobmočju , ki lahko omogoči višjo raven storitev , bolj učinkovite produkte in cenejše alternativne možnosti za opravljanje plačil .
S E PA C O N S I S T S O F : >the single currency , >a single set of euro payment instruments -- credit transfers , direct debits and card payments , >efficient processing infrastructures for euro payments , >common technical standards , >common business practices , >a harmonised legal basis , and >ongoing development of new customer-oriented services .
S E PA S E S TA V L J A J O : >enotna valuta , >enoten niz eurskih plačilnih instrumentov -- kreditna plačila , direktne obremenitve in kartična plačila , >učinkovita infrastruktura za obdelavo eurskih plačil , >skupni tehnični standardi , >skupne poslovne prakse , >usklajena pravna podlaga , >stalen razvoj strankam prijaznih storitev .
S E PA R E Q U I R E S I N T E R A C T I O N B E T W E E N A L L O F T H E F O L L OW I N G C O N S T I T U E N C I E S : >The European banking industry , which is responsible for restructuring the payment systems of the euro area .
P R I V Z P O S TA V I T V I S E PA M O R A J O S O D E L O V AT I V S I N A S L E D N J I U D E L E Ž E N C I : >Evropski bančni sektor , ki je odgovoren za prestrukturiranje plačilnih sistemov euroobmočja .
This restructuring will , in the short term , generate considerable costs ; however , in the medium to long term , the European banking industry will benefit from cost savings regarding euro area payments , and also from potential new revenue streams .
To prestrukturiranje bo kratkoročno povzročilo precejšnje stroške , vendar bo evropski bančni sektor srednjeročno in dolgoročno zmanjšal stroške plačil v euroobmočju in dobil priložnost za ustvarjanje novih prihodkov .
To coordinate its efforts , the industry has set up a self-regulatory body to manage the SEPA project .
Sektor je za usklajevanje svojih prizadevanj pri upravljanju projekta SEPA ustanovil samoregulativen organ .
This body , known as the European Payments Council ( EPC ) , consists of 65 European banks , including the three European credit sector associations and the Euro Banking A s s o c i a t i o n ( E B A ) .
Ta organ , Evropski svet za plačila ( European Payments Council -- EPC ) , sestavlja 65 evropskih bank , skupaj s tremi evropskimi združenji kreditnega sektorja in Bančnim združenjem za euro ( Euro Banking Association -- EBA ) .
M e m b e r s f ro m t h e E U , I c e l a n d , www.europeanpaymentscouncil.org Liechtenstein , Norway and Switzerland are represented in the EPC , whose work aims at all euro payments in these countries .
V EPC so zastopane članice iz EU , Islandije , Lichtensteina , Norveške in Švice , www.europeanpaymentscouncil.org njegovo delo pa je usmerjeno na vsa eurska plačila v teh državah .
>The European clearing and settlement industr y , whose aim is to ensure that any beneficiary in the euro area can be reached using SEPA instruments .
>Evropski sektor za kliring in poravnavo plačil , katerega cilj je zagotoviti , da instrumenti SEPA dosežejo vse upravičence v euroobmočju .
Various infrastructure providers , such as the card processors , the European Automated Clearing House Association ( EACHA ) and the EBA , are actively participating in this work .
Pri tem delu dejavno sodelujejo različni ponudniki infrastrukture , kot so centri za obdelavo kartic , Evropsko združenje avtomatiziranih klirinških hiš ( EACHA ) in EBA .
EACHA is www.eacha.org www.abe.org developing a set of procedures to secure interoperability between infrastructures ( automated clearing houses -- ACHs ) , while the EBA has developed STEP2 , the first pan-European automated clearing house , or PEACH , for clearing cross-border as well as domestic retail payments in euro .
Evropsko združenje avtomatiziranih klirinških hiš www.eacha.org www.abe.org razvija vrsto postopkov za zagotovitev interoperabilnosti med infrastrukturami ( avtomatizirane klirinške hiše ) , EBA pa je razvila STEP2 , ki je prva vseevropska avtomatizirana klirinška hiša ( PEACH ) za kliring tako čezmejnih kot tudi domačih plačil malih vrednosti v eurih .
>Euro area companies ( corporates , merchants , small - and medium-sized enterprises ) that are involved in the development of standards to reduce the extent of manual intervention in the handling of payments , ranging from the presentation of invoices to reconciliation services .
>Gospodarske družbe euroobmočja ( podjetja , trgovci , mala in srednja podjetja ) , ki so vključene v razvoj standardov za zmanjšanje ročnega dela pri obdelavi plačil , od predložitve računov do storitev usklajevanja .
Their focus is on the creation of automated processes ( end-to-end straight www.eact-group.com through processing -- e2e STP ) , which will reduce the costs of making and receiving payments .
Njihova pozornost je namenjena oblikovanju www.eact-group.com avtomatiziranih postopkov ( avtomatizirana obdelava plačil od začetka do konca -- e2e STP ) , kar bo znižalo stroške plačevanja in sprejemanja plačil .
Corporate treasurers are organised in the EuropeanAssociations of Corporate Treasurers ( EACT ) .
Finančni direktorji podjetij so organizirani v evropskih združenjih poslovnih finančnikov ( EACT ) .
>Public administrations and consumers will be the users of the n e w S E PA p ay m e n t i n s t r u m e n t s .
>Javne uprave in potrošniki bodo uporabniki novih plačilnih instrumentov SEPA .
G o ve r n m e n t s a n d p u b l i c administrations make substantial payments both on a national level and cross-border , which are related to pensions , social security and other benefits or taxation-related issues .
Vlade in javne uprave opravljajo znatna plačila tako na nacionalni ravni kot prek meja , ki so povezana s pokojninami , socialnimi in drugimi prejemki ter davki .
A firm commitment is therefore required from the public administrations .
Zaradi tega je njihova trdna zaveza nujna .
In October 2006 the EU Council of Ministers of Economic Affairs and Finance ( the ECOFIN Council ) expressed its strong s u p p o r t f o r t h e c re a t i o n o f S E PA .
Oktobra 2006 je Svet ministrov EU za gospodarske zadeve in finance ( Ekonomsko-finančni svet ) izrazil svojo veliko podporo oblikovanju SEPA .
The following public authorities are involved in the SEPA project : >the Eurosystem ( the ECB and the NCBs of the euro area ) has underlined its expectations vis-à-vis the project in several publications , and is closely monitoring progress and developments in relation to SEPA .
V projekt SEPA so vključeni naslednji organi oblasti : >Eurosistem ( ECB in nacionalne centralne banke euroobmočja ) je v številnih publikacijah poudaril svoja pričakovanja v zvezi s projektom ter natančno spremlja napredek in razvoj v zvezi s SEPA .
>The European Commission has developed a strategy designed to remove barriers in the internal market and to simplify its rules , for example by proposing the Payment Services Directive ( PSD ) .
>Evropska komisija je razvila strategijo , katere namen je odstraniti ovire na notranjem trgu in poenostaviti njegova pravila , na primer s predlogom Direktive o plačilnih storitvah ( DPS ) .
>As the project evolves , the national authorities are expected to become increasingly involved in the preparations for the roll-out of the SEPA payment schemes .
>V času razvoja projekta se pričakuje , da se bodo državne oblasti vse bolj vključevale v priprave za uveljavitev plačilnih shem SEPA .
>W H Y S E PA ?
>Z A K A J S E PA ?
Currently , the euro area economy is unable to exploit fully all the benefits of Monetary Union .
Gospodarstvo euroobmočja trenutno ne more v celoti izkoristiti vseh prednosti monetarne unije .
Customers face difficulties when making euro retail payments to other euro area The euro area economy is currently unable to exploit the benefits of the single market countries , as these payments often turn out to be more time-consuming .
Stranke imajo težave pri opravljanju eurskih plačil malih vrednosti v druge države Gospodarstvo euroobmočja trenutno ne more izkoristiti prednosti enotnega trga euroobmočja , ker za taka plačilo pogosto potrebujejo več časa .
As long as this is the case , the euro cannot be viewed as a fully implemented single currency .
Dokler bo tako , ne moremo reči , da je euro v celoti uveden kot enotna valuta .
Despite the introduction of the euro in 1999 and the development of TARGET , the common large-value payment system for euro , low-value electronic payments ( i.e. retail payments ) continue to be processed differently throughout the euro area .
Kljub uvedbi eura leta 1999 in razvoju sistema TARGET , ki je skupni sistem plačil velikih vrednosti za euro , se elektronska plačila malih vrednosti ( „plačila na drobno ") na euroobmočju še naprej različno obdelujejo .
Overall , the number and variety of payment instruments , standards and processing infrastructures for retail payments has not really changed since the introduction of the euro .
Število in raznolikost plačilnih instrumentov , standardov in infrastruktur za obdelavo plačil malih vrednosti se od uvedbe eura pravzaprav ni spremenilo .
In such an environment , companies with a substantial number of cross-border payments therefore have to maintain bank accounts in many of the countries in which they do business , in order to allow them to manage their payment business .
Zato morajo imeti gospodarske družbe z velikim številom čezmejnih plačil bančne račune v državah , kjer poslujejo , da lahko upravljajo svoj plačilni promet .
This fragmentation not only affects cross-border payments but also national euro payments , as it prevents innovation and competition on the euro area level .
Ta razdrobljenost ne vpliva samo na čezmejna plačila , ampak tudi na eurska plačila znotraj države , ker preprečuje inovacije in konkurenco na ravni euroobmočja .
Stakeholders may also be The fragmented European retail payments markets will progressively be replaced by a complete and competitive euro area market subject to different rules and requirements depending on their country of origin .
Zainteresirane strani morajo upoštevati tudi različna pravila in zahteve , ki so odvisne od njihove matične države .
The creation of a common framework will create the oppor tunity for innovative payment solutions to be offered irrespective of national borders .
Oblikovanje skupnega okvira bo ustvarilo priložnost za Razdrobljene evropske trge plačil malih vrednosti bo postopoma nadomestil popoln in konkurenčen trg euroobmočja inovativne plačilne rešitve , ki bodo na voljo ne glede na državne meje .
T h e go a l o f S E PA i s t h u s t o c re a t e a n integrated , competitive and innovative retail payments market for all non-cash euro payments which , in time , will be conducted entirely electronically .
Cilj SEPA je torej oblikovati povezan , konkurenčen in inovativen trg plačil malih vrednosti za vsa negotovinska eurska plačila , ki bodo sčasoma potekala popolnoma elektronsko .
As such , SEPA will benefit all customers .
Tako bodo prednosti SEPA deležne vse stranke .
>B A N K I N G I N D U S T RY I N I T I AT I V E S In the move towards SEPA , the main focus of the banking industry has been on the development of SEPA payment instruments .
>POBUDE BANČNEGA SEK TORJA Pri oblikovanju SEPA bančni sektor največjo pozornost namenja razvoju plačilnih instrumentov SEPA .
To facilitate the implementation of these payment instruments , three main fields had to be addressed .
Da bi omogočili lažjo uporabo teh plačilnih instrumentov , se je bilo treba lotiti treh glavnih področij .
First , the industry developed new payment schemes for credit transfers and direct debits , and formulated a framework for card payments .
Prvič , bančni sektor je razvil nove plačilne sheme za kreditna plačila in direktne obremenitve ter oblikoval okvir za kartična plačila .
Second , it investigated additional optional services which could improve the handling of payments .
Drugič , preučil je možne dodatne storitve , ki bi lahko izboljšale obdelavo plačil .
Third , it identified principles for the underlying processing infrastructures , and addressed standardisation issues .
Tretjič , opredelil je načela za osnovno infrastrukturo obdelave in obravnaval vprašanja standardizacije .
The new payment instruments offered by the banking industry to its customers will be based on a new set of rules , practices and standards for euro payments .
Novi plačilni instrumenti , ki jih bo bančni sektor nudil svojim strankam , bodo temeljili na novem nizu pravil , praks in standardov za eurska plačila .
The EPC has designed rulebooks for two new payment schemes , and one framework in which banks can develop SEPA payment products : >SEPA credit transfers >SEPA direct debits >SEPA card payments .
EPC je oblikoval pravilnik za dve novi shemi plačil in en okvir , znotraj katerih lahko banke razvijejo plačilne produkte SEPA : >kreditna plačila SEPA >direktne obremenitve SEPA >kartična plačila SEPA .
With regard to credit transfers and direct debits , a « replacement » strategy has been chosen , with new common schemes designed for euro payments in each case .
Glede kreditnih plačil in direktnih obremenitev je bila izbrana strategija „zamenjave » , in sicer so bile za oboje oblikovane nove skupne sheme za eurska plačila .
These schemes are recorded in a rulebook covering the rules , practices and standards applicable to such euro payments .
Te sheme so opisane v pravilniku , ki zajema pravila , prakse in standarde , ki se uporabljajo za taka eurska plačila .
For card payments , by contrast , an « adaptation » strategy has been chosen to allow existing schemes and their operator ( s ) to adjust to a new set of business and technical standards and processes .
Za kartična plačila pa je bila izbrana strategija „prilagajanja » , ki obstoječim shemam in njihovim upravljavcem oz . upravljavcu omogoča prilagoditev na nov niz poslovnih in tehničnih standardov in postopkov .
The EPC has defined a policy stance , covering issues such as how card schemes ( as well as card issuers , acquirers and operators ) should adapt their current operations to comply with the SEPA principles for euro card payments .
EPC je opredelil usmeritve , ki zajemajo tudi prilagoditve trenutnega poslovanja kartičnih shem ( in tudi izdajateljev , pridobiteljev in upravljavcev kartic ) , ki so potrebne za njihovo skladnost z načeli SEPA za eurska kartična plačila .
A core feature of both approaches is the clear separation of schemes ( rules , practices and standards ) from infrastructures .
Osnovna značilnost obeh pristopov je jasno ločevanje shem ( pravil , praks in standardov ) od infrastrukture .
Financial institutions are responsible for the quality of their SEPA products , and are free to offer their customers improved SEPA products as long as they are in line with the schemes defined in the rulebooks and frameworks ( see additional optional services below ) .
Finančne institucije so odgovorne za kakovost svojih produktov SEPA in lahko strankam prosto nudijo izboljšane produkte SEPA , če so ti v skladu s shemami , opredeljenimi v pravilnikih in okvirih ( glej dodatne opcijske storitve spodaj ) .
Additional optional ser vices .
Dodatne opcijske storitve .