natgillin/translations-raw huggingface dataset:
The Eurosystem therefore encourages all stakeholders ( i.e. the EPC , EACHA and all euro area ACHs ) to continue their work on interoperability issues , including common governance rules for the bilateral agreements between ACHs . 1 See http://www.ecb.europa.eu/paym/sepa/components / infrastructures / html / tor .
Popolna preglednost bi morala zagotoviti primerljivost samoocen in prispevati k izogibanju nedoslednostim in napakam . Leta 2006 je EPC razvil okvir PEACH / CSM za vseevropske avtomatizirane klirinške hiše ( Pan-European Automated Clearing House -- PEACH ) in mehanizme kliringa in poravnave ( Clearing and Settlement Mechanism -- CSM ) z namenom , da bi usmerjal procesiranje plačil znotraj shem SEPA .
en.html for the SEPA compliance criteria for infrastructures and the Terms of Reference . BI-COMP / Banca d' Italia , Equens , Iberpay , RPS / Deutsche Bundesbank , Seceti and SIA-SBB have published their selfassessments by the start of November 2008 .
Da bi EPC dobil zagotovila glede procesiranja KPS , je septembra 2007 pozval infrastrukture , da povejo , ali nameravajo postati klirinško-poravnalni mehanizem , ki je skladen s shemami SEPA , in 15 infrastruktur je to potrdilo .
The effects of SEPA have so far been most visible at infrastructure level , i.e. the entities that offer an inter-bank funds transfer system . Most ACHs that were processing credit transfers in euro have become SCT scheme-compliant and have been processing SCTs since their launch in January 2008 , supported by their messaging platforms .
Infrastrukture same so začele z delom pri razvoju in implementaciji okvira interoperabilnosti na področju infrastruktur za plačila malih vrednosti , saj so ugotovile , da za oblikovanje SEPA na področju infrastrukture okvir PEACH / CSM ne zadostuje .
Several infrastructures have taken the step from being pure domestic operations to become panEuropean service providers in a true eurodomestic market . Choice is also available between core clearing and settlement services providers and those that offer additional optional services ( AOS ) to banks and banking communities , additional processing services to banks , or direct access to corporates and public administrations .
V drugi polovici leta 2007 je Evropsko združenje avtomatiziranih klirinških hiš ( EACHA ) objavilo tehnični okvir interoperabilnosti za procesiranje žiro plačil , skladnih s SEPA ( Technical Interoperability Framework for SEPA-compliant Giro Payments Processing ) , ki ga avtomatizirane klirinške hiše lahko uporabijo kot podlago za dvostranske dogovore o interoperabilnosti , tj . za poenoteno medsebojno izmenjavo plačilnih nalogov .
The Eurosystem welcomes this approach and expects that any current geographical access restrictions to infrastructures for euro area participants should disappear .
Okvir vključuje tudi vmesnik med avtomatiziranimi klirinškimi hišami in njihovimi strankami ( tj .
Moreover , no bank or banking community should be forced by any entity to use a particular infrastructure ( be it as direct or indirect participant ) , or to use specific proprietary technical standards .
bankami in v nekaterih primerih podjetji in javno upravo ) , kar omogoča uporabo enotnega formata za izmenjavo podatkov s katero koli avtomatizirano klirinško hišo .
To achieve interoperability , all infrastructures are expected to establish a link with any other infrastructure upon request .
Nato je oktobra 2007 pet avtomatiziranih klirinških hiš objavilo skupni sporazum o vzpostavitvi interoperabilnosti pri izmenjavi transakcij SEPA .
To address these issues , in its 5th Progress Report , the Eurosystem defined four criteria to assess the SEPA compliance of infrastructures : processing capability , reachability , interoperability and choice . More detailed Terms of Reference were published by the Eurosystem in April 2008 1 .
Dvostranska izmenjava plačilnih nalogov med nekaterimi od teh avtomatiziranih klirinških hiš se je začela spomladi leta 2008 . Medtem je EPC objavil dokument o tržnih praksah klirinškoporavnalnih mehanizmov v območju SEPA , ki zapolnjuje del vrzeli med pravilnikom za kreditna plačila SEPA , izvedbenimi smernicami in dejanskim stanjem klirinško-poravnalnih mehanizmov , ko gre za interoperabilnost .
Infrastructures were invited to use these Terms of Reference as guidance for self-assessment and to make them publicly available from September 2008 , so that market participants are able to seek reassurance about the SEPA compliance of the infrastructures they are using .
Eurosistem zato spodbuja vse deležnike ( tj . EPC , EACHA 1 Kriteriji skladnosti infrastrukture z zahtevami SEPA in referenčni okvir so na voljo na strani http://www.ecb.europa.eu / paym / sepa / components / infrastructures / html / tor .
To date , the first infrastructures have published self-assessments on their websites 2 , and the Eurosystem invites other to follow suit . Full transparency should ensure the self-assessments to be compared and help to avoid inconsistencies and errors .
en.html . Do začetka novembra 2008 so svojo samooceno objavile BI-COMP / Banca d' Italia , Equens , Iberpay , RPS / Deutsche Bundesbank , Seceti in SIA-SBB .
3.2 CREDIT TRANSFER , DIRECT DEBIT AND CARD PAYMENT PROCESSING
in vse avtomatizirane klirinške hiše v euroobmočju ) , da nadaljujejo z delom v zvezi z interoperabilnostjo , vključno s skupnimi pravili glede dvostranskih dogovorov med avtomatiziranimi klirinškimi hišami .
The Eurosystem expects efficiency to be enhanced in the medium term if the processing of « giro » and card payments can make use of the same message standards ( ISO 20022 UNIFI ) and the same infrastructures .
3.2 PROCESIRANJE KREDITNIH PLAČIL , DIREKTNIH OBREMENITEV IN KARTIČNIH PLAČIL Eurosistem pričakuje izboljšanje učinkovitosti v srednjeročnem obdobju , če bo za procesiranje „žiro » in kartičnih plačil mogoče uporabljati enake sporočilne standarde ( ISO 20022 UNIFI ) in isto infrastrukturo .
Moreover , the entry of « giro » processors in the processing of card payments would increase the number of competitors .
Poleg tega bi se z vstopom „žiro » procesnih centrov v procesiranje kartičnih plačil povečalo število konkurentov .
Needless to say , for competition purposes , it is crucial for processing to be truly independent ( i.e. not proprietary , linked or tied to a card scheme ) .
Kar zadeva konkurenco , je seveda bistveno , da je procesiranje resnično neodvisno ( tj . ni lastniško , povezano ali vezano na kartično shemo ) .
It is likely that , with increased competition , the fees for card processing , clearing and settlement will fall significantly .
Ob povečani konkurenci se bodo verjetno bistveno zmanjšale provizije za kartično procesiranje , kliring in poravnavo .
The Eurosystem notes that within SEPA , owing to technical progress , the arguments for having a distinct set-up for giro and card processing are no longer valid .
Kot ugotavlja Eurosistem , trditve , da je treba imeti ločen sistem za žiro in kartično procesiranje , znotraj SEPA zaradi tehničnega napredka ne držijo več .
In many euro area countries , the processing of domestic credit transfer and / or direct debit transactions has traditionally been performed by entities other than those which conduct the processing for ( domestic ) card transactions ( i.e. switching for authorisation , and clearing and settlement ) .
V številnih državah euroobmočja je procesiranje domačih kreditnih plačil in / ali direktnih obremenitev običajno potekalo prek subjektov , ki ne izvajajo procesiranja ( domačih ) kartičnih transakcij ( tj . prenosa zahtevkov za avtorizacijo , kliringa in poravnave ) .
The reasons for this division of labour included the industry set-up ( e.g. the presence of an ACH ) , distinct business needs owing to the requirement of switching in real-time for card authorisation and different technical standards .
Med razlogi za takšno delitev dela so bili ustroj sektorja ( npr . prisotnost avtomatizirane klirinške hiše ) , drugačne poslovne potrebe , ki jih narekuje prenos zahtevkov v realnem času za kartično avtorizacijo , in različni tehnični standardi .
Furthermore , the Eurosystem notes that the development by the EPC of the PEACH / CSM Framework has been beneficial in starting up a SEPA for infrastructures for credit transfers .
Poleg tega Eurosistem ugotavlja , da je bil okvir PEACH / CSM , ki ga je razvil EPC , koristen pri vzpostavitvi SEPA na področju infrastrukture za kreditna plačila .
Therefore , the Eurosystem now invites the EPC to develop a similar framework for the processing of card transactions , or to amend the existing PEACH / CSM Framework to explicitly include this .
Eurosistem zato sedaj poziva EPC , da razvije podoben okvir za procesiranje kartičnih transakcij ali da obstoječi okvir PEACH / CSM spremeni tako , da bo izrecno vključeval tudi to .
The framework would lay down the rules for SEPA card processing ( i.e. authorisation , clearing and settlement ) in the same way as the existing PEACH / CSM Framework set them for SEPA credit transfer and SEPA direct debit .
avtorizacijo , kliring in poravnavo ) na enak način kot jih obstoječi okvir PEACH / CSM določa za kreditna plačila SEPA in direktne obremenitve SEPA .
Although the SEPA Cards Framework ( SCF ) already contains some guidelines for the processing of card transactions , a separate « Framework for the processing of card transactions » would clarify the requirements .
Čeprav kartični okvir SEPA že vsebuje nekatere smernice za procesiranje kartičnih transakcij , bi poseben „okvir za procesiranje kartičnih transakcij » pojasnil zahteve .
Infrastructures would be invited by the EPC to adhere to the framework , giving the EPC a clearer basis to combat non-compliance with important requirements currently contained in the SCF , such as the separation of card scheme and processing .
EPC bi pozval infrastrukture , da pristopijo k okviru , s čimer bi dobil jasnejšo podlago za preprečevanje neizpolnjevanja pomembnih zahtev , ki jih trenutno vsebuje kartični okvir SEPA , kot je na primer ločevanje kartične sheme od procesiranja .
An effective separation should entail legal , financial and information separation , as well as separate governance arrangements .
Učinkovita ločitev naj bi obsegala pravno , finančno in informacijsko ločitev ter tudi ločen sistem upravljanja in vodenja .
In a second step , and similar to that needed for credit transfers , the relevant infrastructures are invited to develop a technical interoperability framework for SEPA-compliant card payments processing .
V naslednjem koraku , podobno kot pri kreditnih plačilih , bodo ustrezne infrastrukture pozvane k razvoju tehničnega okvira interoperabilnosti za procesiranje kartičnih plačil , skladnih s SEPA .
In addition , and similarly to the SEPA compliance criteria for credit transfer and direct debit infrastructures , the Eurosystem is considering defining SEPA compliance criteria for card infrastructures .
Poleg tega Eurosistem ( podobno kot pri kriterijih skladnosti z zahtevami SEPA na področju infrastruktur za kreditna plačila in direktne obremenitve ) razmišlja , da bi določil kriterije skladnosti z zahtevami SEPA na področju kartičnih infrastruktur .
4 CASH Six years prior to the launch of SEPA , the « Single Euro Cash Area » was already a reality for European citizens , whereby the same euro banknotes and coins are used throughout the euro area .
4 GOTOVINA Za evropske državljane je bilo „enotno območje eurogotovine » realnost že šest let pred začetkom SEPA , saj se enaki eurobankovci in eurokovanci uporabljajo v celotnem euroobmočju .
For all other parties in the cash cycle , such as merchants and banks , national fragmentation has persisted , also with regard to the cash services of central banks .
Za vse druge strani v gotovinskem ciklu ( kot so trgovci in banke ) pa je nacionalna razdrobljenost ostala , tudi na področju gotovinskih storitev centralnih bank .
After consulting European stakeholders , in February 2007 the Eurosystem adopted a roadmap for procedural steps towards the increased convergence of cash services offered by euro area NCBs .
Po posvetovanju z evropskimi deležniki je Eurosistem februarja 2007 sprejel načrt postopkovnih korakov na poti k večjemu zbliževanju gotovinskih storitev , ki jih nudijo nacionalne centralne banke euroobmočja .
Since then , two measures included in the roadmap have been implemented .
Od takrat sta bila izvedena dva ukrepa iz zgornjega načrta .
First , « remote access » to NCB cash services in all euro area countries was implemented by June 2007 .
Prvič , do junija 2007 je bil v vseh državah euroobmočja uveden „oddaljeni dostop » do gotovinskih storitev nacionalnih centralnih bank .
This ensures that , upon request , NCBs provide cash services to credit institutions located outside their jurisdiction (" non-resident banks ") .
Ta omogoča , da nacionalne centralne banke na zahtevo zagotavljajo gotovinske storitve kreditnim institucijam , ki se nahajajo zunaj njihove jurisdikcije ( „nerezidenčne banke ") .
It should be noted that credit institutions have to comply with the rules governing the access to cash services of the NCB where they withdraw and lodge banknotes and coins .
Treba je opozoriti , da morajo kreditne institucije upoštevati pravila , ki urejajo dostop do gotovinskih storitev tiste nacionalne centralne banke , pri kateri dvigujejo ali polagajo bankovce in kovance .
However , there are still some restrictions on large-scale crossborder cash operations , such as different national rules governing cash transports and the use of fire arms .
Kljub temu še vedno obstajajo določene omejitve pri čezmejnih gotovinskih operacijah velikih vrednosti , kot so na primer različna nacionalna pravila glede prevozov gotovine in uporabe strelnega orožja .
With a view to eliminating these obstacles , the European Commission set up a working group on cross-border cash transport by road in July 2008 .
Da bi Evropska komisija odpravila te ovire , je julija 2008 vzpostavila delovno skupino za čezmejni cestni prevoz gotovine .
The aim is to adopt a Commission Proposal for an EU Regulation by the end of 2009 .
Cilj je do konca leta 2009 sprejeti predlog Komisije za uredbo EU .
This initiative is fully supported by the Eurosystem .
To pobudo Eurosistem v celoti podpira .
Second , as of the end of 2007 , coin lodgements from professional clients are accepted at all euro area NCBs .
Drugič , od konca leta 2007 dalje vse nacionalne centralne banke euroobmočja sprejemajo pologe kovancev s strani poslovnih strank .
Stakeholders at national level have been consulted when appropriate .
Ko je bilo potrebno , so na tem področju potekala tudi posvetovanja z deležniki na nacionalni ravni .
The need for an efficient use of coins , including appropriate ordering by commercial banks , has been underlined in discussions between NCBs and credit sector associations .
V razpravah med nacionalnimi centralnimi bankami in združenji kreditnega sektorja je bila izpostavljena nujnost učinkovite uporabe kovancev , vključno z ustreznim naročanjem s strani poslovnih bank .
The other four measures included in the roadmap that are under development are as follows : -* electronic data exchange with professional clients for cash lodgements and withdrawals .
Ostali štirje ukrepi v načrtu , ki se še razvijajo , so naslednji : -* elektronska izmenjava podatkov s poslovnimi strankami za gotovinske pologe in dvige .
The Eurosystem is considering a harmonised approach for electronic communications with professional clients that ensures the interchangeability of data ;
Eurosistem preučuje možnost usklajenega pristopa pri elektronski komunikaciji s poslovnimi strankami , ki bi omogočal medsebojno izmenljivost podatkov ;
-* dropping the requirement to face and orientate banknotes for lodgements and withdrawals at NCBs .
opustitev zahteve , da morajo biti bankovci pri pologih in dvigih v nacionalnih centralnih bankah razvrščeni po sprednji strani in usmeritvi .
The Eurosystem has agreed that all euro area NCBs will drop the requirement to face and orientate banknotes for lodgements and withdrawals at NCB counters as a basic free-of-charge service by 1 January 2011 at the latest .
Eurosistem se je dogovoril , da bodo vse nacionalne centralne banke euroobmočja opustile zahtevo , da morajo biti bankovci pri pologih in dvigih na okencih v nacionalni centralni banki razvrščeni po sprednji strani in usmeritvi , kar bodo ponudile kot osnovno brezplačno storitev najkasneje do 1 . januarja 2011 .
This gives euro area NCBs sufficient flexibility for the implementation , in order to accommodate the needs of the stakeholders in the respective euro area countries ;
To daje nacionalnim centralnim bankam euroobmočja zadostno prožnost pri implementaciji , da bi tako upoštevale potrebe deležnikov v posamezni državi euroobmočja ;
extension of opening hours and measures with similar effects .
podaljšanje delovnega časa in ukrepi s podobnim učinkom .
The Eurosystem found that the opening hours of all euro area NCBs exceed the common time window of at least six hours per working day in at least one facility ; in several euro area countries , the opening hours are significantly longer .
Eurosistem je ugotovil , da delovni čas vseh nacionalnih centralnih bank euroobmočja presega enotni čas odprtja v trajanju vsaj šestih ur na delovni dan pri vsaj eni operaciji , v več državah euroobmočja pa je delovni čas precej daljši .
Recent consultations with stakeholders in the euro area countries have shown that there is currently no need to improve on the current arrangements ;
Novejša posvetovanja z deležniki v državah euroobmočja so pokazala , da sedanje ureditve trenutno ni treba izboljšati ;
common packaging standards for NCB 's free-of-charge cash services .
enotni standardi pakiranja pri brezplačnih gotovinskih storitvah nacionalnih centralnih bank .
After harmonising the packaging for Eurosysteminternal banknote transactions , the Eurosystem is now considering a limited number of packaging standards with common contents for free-of-charge cash services for professional clients .
Po poenotenju pakiranja v transakcijah z bankovci znotraj Eurosistema sedaj Eurosistem proučuje možnost omejenega števila standardov pakiranja , in sicer z enotno prostornino pri brezplačnih storitvah za poslovne stranke .
NCBs may use additional packaging formats , if requested at national level .
Nacionalne centralne banke lahko uporabljajo dodatne formate pakiranja , če se taka zahteva pojavi na nacionalni ravni .
The requirements of the main stakeholders , represented by the EPC and the European Security Transport Association , have been gathered and compared to existing packaging formats and cash handling arrangements at the NCBs in order to identify common elements as well as constraints .
Zahteve glavnih deležnikov , ki jih zastopata EPC in evropsko združenje za varovan prevoz ( ESTA ) , so bile zbrane in primerjane z obstoječimi formati pakiranja in ureditvijo na področju obdelave gotovine ECB Enotno območje plačil v eurih : šesto poročilo o napredku november 2008
Following the definition of common packaging standards , it is foreseen that specifications will be developed in 2009 . ECB Sixth single euro payments area ( SEPA ) progress report November 2008
v nacionalnih centralnih bankah , da bi ugotovili skupne točke ter omejitve . Po opredelitvi enotnih standardov pakiranja je predvideno , da bodo specifikacije razvite v letu 2009 .
29 Taking due account of the investment cycles , a transitional period for the implementation of the standards will be allowed .
Ob upoštevanju investicijskih ciklov bo za implementacijo standardov omogočeno prehodno obdobje .
5 GOVERNANCE OF SEPA The success of SEPA greatly depends on the appropriate governance of the project .
5 UPRAVLJANJE IN VODENJE SEPA Uspeh projekta SEPA je v veliki meri odvisen od ustreznega upravljanja in vodenja .
Good governance arrangements for a project such as SEPA consists of involving different stakeholders at European and national levels , balancing their interests and ensuring transparency , as well as mechanisms that ensure the delivery of the SEPA targets .
Pri projektu , kakršen je SEPA , ureditev dobrega upravljanja in vodenja obsega sodelovanje različnih deležnikov na evropski in nacionalni ravni , usklajevanje njihovih interesov in zagotavljanje preglednosti , kakor tudi mehanizme , ki zagotavljajo doseganje ciljev SEPA .
Given the crucial role of the EPC within the SEPA project , the EPC 's governance arrangements merit special attention .
Glede na ključno vlogo EPC v projektu SEPA , si njegova ureditev upravljanja in vodenja zasluži posebno pozornost .
It should be noted that the EPC governance arrangements are different from those of other communities , because the latter depend on the national setting and legal framework .
Treba je opozoriti , da se ureditev upravljanja in vodenja v EPC razlikuje od drugih skupnosti , ker so slednje odvisne od nacionalnega okolja in pravnega okvira .
The Eurosystem observes that the EPC has made considerable progress on balancing the interests of different stakeholders in the SEPA schemes .
Eurosistem opaža , da je EPC dosegel precejšen napredek pri usklajevanju interesov različnih deležnikov v shemah SEPA .
The EPC is encouraged to use a combination of tools ( e.g. consultations , dialogue , etc .) to this end .
EPC naj v ta namen uporablja kombinacijo orodij ( npr . posvetovanja , dialog itd .
At national level , the necessary arrangements have also been put in place to organise national stakeholder consultations .
Tudi na nacionalni ravni je bila za organizacijo posvetovanj z nacionalnimi deležniki vzpostavljena potrebna ureditev .
However , there is still considerable room for improvement , as the goal should be to address the interests of all key stakeholders , ranging from corporates to public administrations and from retailers to consumers , without suggesting that these should become part of the decision-making bodies in the EPC ( i.e. Plenary and Scheme Management Committee ) .
Kljub temu je še vedno precej prostora za izboljšanje , saj bi moral biti cilj obravnavati interese vseh ključnih deležnikov , od gospodarskih družb do javnih uprav ter od trgovcev na drobno do potrošnikov , ne da bi ti morali postati del organov odločanja v EPC ( tj . plenuma in odbora za upravljanje shem ) .
In particular , the EPC has made some progress on involving customer stakeholders .
EPC je na primer dosegel določen napredek pri vključevanju strank .
In its Customer Stakeholder Forum , the EPC provided additional clarification on features of the SEPA Schemes , and several workshops were organised to further explain the technical specifications of the schemes , facilitating the more in-depth involvement of stakeholders .
V okviru foruma strank je EPC zagotovil dodatna pojasnila o značilnostih shem SEPA , organiziranih pa je bilo tudi več delavnic , da bi podrobneje pojasnili tehnične specifikacije shem in s tem omogočili bolj poglobljeno vključenost teh deležnikov .
It would be particularly beneficial for public administrations , which are major customers for payment services and , moreover , should act in line with the political objectives of the SEPA project , to participate in this Forum .
Zlasti bi bilo koristno , če bi v tem forumu sodelovale javne uprave , ki so pomembne stranke pri plačilnih storitvah , in bi poleg tega morale delovati v skladu s političnimi cilji projekta SEPA .
Unfortunately , although expressly invited by the EPC , no public authority representatives have indicated their intent to participate in this Forum .
Na žalost kljub izrecnemu povabilu s strani EPC ni noben predstavnik državnih organov pokazal namere , da bi sodeloval v tem forumu .
The EPC has also tried to foster dialogue with stakeholders in the area of cards standardisation .
EPC je skušal spodbuditi tudi dialog z deležniki na področju standardizacije kartičnega poslovanja .
In this regard , talks with terminal manufacturers have been particularly productive .
Pri tem so bili še posebno plodni razgovori z izdelovalci terminalov .