natgillin/translations-raw huggingface dataset:
The ECB also welcomes the proposed directive as it facilitates the coordinated implementation and application of the FATF 's Forty Recommendations among Member States , thereby contributing to the convergence of practices in this field .
ECB pozdravlja predlagano direktivo tudi zato , ker olajšuje usklajeno izvedbo in uporabo Štiridesetih priporočil FATF med državami članicami in s tem prispeva k zbliževanju postopkov na tem področju .
Such coordinated application also helps to maintain a level playing field among EU credit and financial institutions .
Usklajena uporaba pripomore tudi k vzdrževanju enakih konkurenčnih pogojev med kreditnimi in finančnimi institucijami EU .
The ECB further welcomes Articles 37 and 38 of the proposed directive , which envisage the Commission adopting implementing measures , with the assistance of the above-mentioned Committee , in order to take account of technical developments in the fight against money laundering and to ensure a uniform application of the proposed directive .
ECB nadalje pozdravlja člena 37 in 38 predlagane direktive , ki predvidevata , da bo Komisija , ob pomoči zgoraj omenjenega odbora , sprejela izvedbene ukrepe , s katerimi bo upoštevala tehnični razvoj v boju proti pranju denarja in zagotovila enotno uporabo predlagane direktive .
These articles should ensure that the framework in the proposed directive remains up-to-date and therefore effective .
Ta člena naj bi zagotovila , da bo okvir v predlagani direktivi ostal sodoben in torej učinkovit .
Furthermore , these articles should contribute to the harmonised application of the proposed directive by the competent authorities .
Nadalje naj bi ta člena prispevala k usklajeni uporabi predlagane direktive s strani pristojnih organov .
As noted in recital 2 of the proposed directive , Community action in this area is necessary « in order to avoid Member States » adopting measures to protect their financial systems which could be inconsistent with the functioning of the internal market » .
Kot je ugotovljeno v uvodni izjavi 2 v predlagani direktivi , je potreben ukrep Skupnosti na tem področju , „da bi preprečili , da države članice z namenom , da bi zavarovale svoje finančne sisteme , sprejmejo ukrepe , ki niso v skladu z oblikovanjem enotnega trga » .
The ECB notes that the application of Articles 7 and 30 ( which respectively cover customer due diligence requirements and internal procedures ) to credit institutions and other financial institutions will mean a substantial interaction with prudential supervision requirements .
ECB ugotavlja , da bo uporaba členov 7 in 30 ( ki se nanašata na ukrepe skrbnega preverjanja strank oziroma notranje postopke ) za kreditne in druge finančne institucije zahtevala bistveno poostritev zahtev glede bonitetnega nadzora .
These provisions are in line with the recommendations of the Basel Committee on Banking Supervision on « Customer Due Diligence for Banks » ( 2 ) , which address this issue from a different perspective in that they aim at reducing operational and reputational risks for banks .
Ti določbi sta v skladu s priporočili Baselskega odbora za bančni nadzor o skrbnem preverjanju strank za banke ( „Customer Due Diligence for Banks ") ( 2 ) , ki obravnavajo to vprašanje z drugačnega gledišča , saj je njihov namen zmanjšanje operativnega tveganja in tveganja izgube poslovnega ugleda za banke .
The ECB welcomes these enhanced requirements of the proposed directive , since they are consistent with internationally-accepted best practice .
ECB pozdravlja te poostrene zahteve v predlagani direktivi , saj so v skladu z mednarodno sprejeto najboljšo prakso .
The ECB further notes that it is important to ensure in the national transposition of the proposed directive consistency between these procedures and national measures implementing the acquis communautaire in
ECB nadalje ugotavlja , da je v predpisih , s katerimi se bo predlagana direktiva prenesla v nacionalno pravo , pomembno zagotoviti skladnost med temi postopki in nacionalnimi ukrepi , ki bodo izvajali pravni red Skupnosti na področju bonitetnega
( 1 ) Implementing Special Recommendation VII ( on wire transfers ) of the FATF 's Special Recommendations on Terrorist Financing .
( 1 ) Izvaja Posebno priporočilo VII ( o elektronskih prenosih ) iz Posebnih priporočil FATF o financiranju terorizma .
( 2 ) Basel Committee on Banking Supervision , « Customer due diligence for banks » , Bank for International Settlements , October 2001 .
( 2 ) Baselski odbor za bančni nadzor , „Customer due diligence for banks » ( Skrbno preverjanje strank za banke ) , Banka za mednarodne poravnave , oktober 2001 .
the area of prudential supervision of credit institutions and other financial institutions , notably with regard to the supervision of banking and financial groups .
nadzora kreditnih in drugih finančnih institucij , zlasti pri nadzoru bančnih in finančnih skupin .
To this end , a consistent and coordinated application of customer due diligence requirements by the competent authorities should be sought and will be of particular relevance in legislation where the enforcement of compliance with customer due diligence standards is entrusted to authorities other than the prudential supervisor for banks .
S tem namenom bi si bilo treba prizadevati za dosledno in usklajeno uporabo postopkov skrbnega preverjanja strank s strani pristojnih organov , kar bo še zlasti pomembno v zakonodajah , kjer je uveljavljanje izpolnjevanja standardov skrbnega preverjanja strank zaupano drugim organom kot pa bonitetnemu nadzorniku za banke .
Consistency and coordination should also lessen the regulatory compliance burden at a cross-border level .
Doslednost in usklajenost bi morali tudi zmanjšati breme spoštovanja predpisov na čezmejni ravni .
In particular , the ECB observes that compliance with customer due diligence requirements is also linked to operational risk , which is addressed in the proposal for the recasting of the Consolidated Banking Directive and the Capital Adequacy Directive ( 1 ) .
ECB zlasti ugotavlja , da je izpolnjevanje zahtev glede skrbnega preverjanja strank povezano tudi z operativnim tveganjem , ki ga obravnava predlog za ponovno sprejetje konsolidirane bančne direktive in direktive o kapitalski ustreznosti ( 1 ) .
This link stems from the fact that loss directly ( 2 ) resulting from inadequate customer due diligence falls within the scope of operational risk , defined in Article 4 of the proposed recast Consolidated Banking Directive to include the risk of loss resulting from inadequate or failed internal processes , people and systems .
Ta povezava izvira iz dejstva , da izguba , ki neposredno ( 2 ) izhaja iz nezadostno skrbnega preverjanja strank , spada v okvir operativnega tveganja , opredeljenega v členu 4 predlagane ponovno sprejete konsolidirane bančne direktive , s čimer se vključi tveganje izgube , ki je posledica neustreznosti ali odpovedi notranjih postopkov , ljudi in sistemov .
Therefore the management of operational risk , as required in Annex V , point 11 of the proposed recast Consolidated Banking Directive also encompasses the policies and procedures required under Articles 7 and 30 of the proposed directive .
Upravljanje z operativnim tveganjem , kot je predpisano v točki 11 Priloge V k predlagani ponovno sprejeti konsolidirani bančni direktivi , tako zajema tudi politike in postopke , zahtevane v členih 7 in 30 predlagane direktive .
More generally , pursuant to Article 22 of the proposed recast Consolidated Banking Directive , requirements must be imposed on banks to have processes to manage all material actual or future risks , which would include reputational risk resulting from inadequate customer due diligence .
V bolj splošnem smislu , v skladu s členom 22 predlagane ponovno sprejete konsolidirane bančne direktive , morajo biti bankam naložene zahteve , da imajo postopke za upravljanje vseh bistvenih dejanskih ali bodočih tveganj , kar bi vključilo tveganje izgube poslovnega ugleda zaradi nezadostno skrbnega preverjanja strank .
The ECB submits that this interaction should be explicitly addressed in Articles 7 and 30 of the proposed directive .
ECB meni , da bi moralo biti to medsebojno vplivanje izrecno omenjeno v členih 7 in 30 predlagane direktive .
As a minimum , the implementation of all related provisions and the subsequent supervision by the competent authorities must be consistent to avoid any undue burden on affected institutions .
Vsaj izvedba vseh povezanih določb in posledični nadzor s strani pristojnih organov morata biti usklajena v izogib nepotrebnemu bremenu za prizadete institucije .
The ECB notes that Article 11 ( 1 ) of the proposed directive sets out enhanced customer due diligence requirements in respect of , inter alia , « cross-frontier correspondent banking relationships with credit institutions from other Member States or third countries » .
ECB ugotavlja , da člen 11 ( 1 ) predlagane direktive ureja ukrepe poglobljenega skrbnega preverjanja strank , ki se med drugim nanaša na „čezmejne korespondenčne bančne odnose s kreditnimi institucijami iz drugih držav članic ali iz tretjih držav » .
This provision seeks to implement Recommendation 7 of the FATF 's Forty Recommendations , which covers cross-frontier correspondent banking relationships .
Namen te določbe je izvedba Priporočila 7 od Štiridesetih priporočil FATF , ki ureja čezmejne korespondenčne bančne odnose .
As noted in the explanatory memorandum to the proposed directive , cross-frontier banking relationships are an area where the risk of money laundering and terrorist financing is particularly high , and as such they require particular care .
Kot je ugotovljeno v obrazložitvenem memorandumu k predlagani direktivi , predstavljajo čezmejni korespondenčni bančni odnosi področje , na katerem je tveganje za pranje denarja in financiranje terorizma še posebej veliko , in zato zahtevajo še posebno pozornost .
The ECB also notes that the enhanced customer due diligence requirements applicable to cross-frontier correspondent banking relationships do not apply to correspondent banking relationships between two credit institutions in the same Member State .
ECB tudi ugotavlja , da zahteve glede poglobljenega skrbnega preverjanja strank , ki veljajo za čezmejne korespondenčne bančne odnose , ne veljajo za korespondenčne bančne odnose med dvema kreditnima institucijama v isti državi članici .
However , the wording of Article 11 ( 1 ) of the proposed directive does not appear to have taken into account the specific EU system of mutual recognition , as set out in the Consolidated Banking Directive ( 3 ) .
Vendar pa se ne zdi , da bi besedilo člena 11 ( 1 ) predlagane direktive upoštevalo posebni sistem medsebojnega priznavanja v EU , kot je določen v konsolidirani bančni direktivi ( 3 ) .
It is questionable whether correspondent banking relationships between credit institutions in two different Member States should , as contemplated by the proposed directive , be regarded as high-risk situations requiring an assessment of inter alia the « quality of supervision » of a credit institution in another Member State or the « reputation » of a credit institution authorised by another Member State .
Vprašljivo je , ali se korespondenčni bančni odnosi med kreditnimi institucijami v dveh različnih državah članicah , kot so predvideni s predlagano direktivo , štejejo za primere velikega tveganja , ki zahtevajo oceno med drugim „kakovosti nadzora » kreditne institucije v drugi državi članici ali „ugleda » kreditne institucije z dovoljenjem za poslovanje v drugi državi članici .
The ECB therefore suggests that the proposed directive exempt credit institutions from other Member States from enhanced customer due diligence requirements in respect of cross-frontier correspondent banking relationships , on the basis of the EU system of mutual recognition .
ECB zato predlaga , da predlagana direktiva na podlagi sistema medsebojnega priznavanja v EU določi izjemo od zahtev glede poglobljenega skrbnega preverjanja strank , kar zadeva čezmejne korespondenčne bančne odnose , za kreditne institucije iz drugih držav članic .
( i ) Obligations of credit institutions vis-à-vis central banks under the proposed directive
( i ) Obveznosti kreditnih institucij do centralnih bank po predlagani direktivi
An issue of particular interest to the central banking community is whether it is intended that the proposed directive 's enhanced customer due diligence requirements in respect of cross-frontier correspondent banking relationships should apply to non-EU ( as well as EU ) central banks » correspondent banking relationships with EU credit institutions .
Vprašanje posebnega pomena za skupnost centralnih bank je , ali je predvideno , da se zahteve glede poglobljenega skrbnega preverjanja strank v predlagani direktivi , kar zadeva čezmejne korespondenčne bančne odnose , uporabljajo za korespondenčne bančne odnose centralnih bank zunaj EU ( kot tudi v EU ) s kreditnimi institucijami v EU .
The euro is widely used as an international reserve
Euro se široko uporablja kot valuta mednarodnih rezerv , zato
( 1 ) Commission proposal for directives of the European Parliament and of the Council re-casting Directive 2000/12 / EC of 20 March 2000 relating to the taking up and pursuit of the business of credit institutions and Council Directive 93/6 / EEC of 15 March 1993 on the capital adequacy of investment firms and credit institutions , 14.7.2004 , COM ( 2004 ) 486 final .
marca 2000 o začetku opravljanja in opravljanju dejavnosti kreditnih institucij in Direktive Sveta 93/6 / EGS z dne 15 . marca 1993 o kapitalski ustreznosti investicijskih družb in kreditnih institucij , 14.7.2004 , COM ( 2004 ) 486 končno .
( 2 ) Indirect losses arising from damage to the institution 's reputation do not form part of operational risk .
( 2 ) Posredne izgube , ki izhajajo iz okrnjenega ugleda institucije , ne sodijo v operativno tveganje .
( 3 ) Directive 2000/12 / EC of the European Parliament and of the Council of 20 March 2000 relating to the taking up and pursuit of the business of credit institutions ( OJ L 126 , 26.5.2000 , p. 1 ) .
( 3 ) Direktiva Evropskega parlamenta in Sveta 2000/12 / ES z dne 20 . marca 2000 o začetku opravljanja in opravljanju dejavnosti kreditnih institucij ( UL L 126 , 26.5.2000 , str .
Directive as last amended by Commission Directive 2004/69 / EC ( OJ L 125 , 28.4.2004 , p. 44 ) .
Direktiva , kakor je bila nazadnje spremenjena z Direktivo Komisije 2004/69 / ES ( UL L 125 , 28.4.2004 , str . 44 ) .
currency , and consequently many non-EU central banks and monetary authorities have correspondent banking relationships with EU credit institutions .
imajo številne centralne banke in denarne oblasti zunaj EU korespondenčne bančne odnose s kreditnimi institucijami v EU .
In the United States , the provisions of the USA PATRIOT Act ( 1 ) that require certification in connection with correspondent accounts administered , established or maintained on behalf of foreign banks do not apply to any foreign central bank or monetary authority that functions as a central bank , or any international financial institution or regional development bank formed by treaty or international agreement .
V Združenih državah Amerike določbe predpisa USA PATRIOT Act ( 1 ) , ki zahtevajo overitev v zvezi s korespondenčnimi računi , ki se upravljajo , odprejo ali vodijo za račun tujih bank , ne veljajo za tuje centralne banke ali denarne oblasti , ki delujejo kot centralne banke , niti za mednarodne finančne institucije ali regionalne razvojne banke , ustanovljene s pogodbo ali mednarodnim sporazumom .
Since correspondent banking relationships with central banks , monetary authorities and international financial institutions are not generally associated with a high risk of money laundering or terrorist financing , with the exception of institutions from countries on the FATF 's list of non-cooperative countries and territories , the ECB recommends incorporation of a similar exemption in the proposed directive 's enhanced customer due diligence requirements for cross-frontier correspondent banking relationships .
Ker korespondenčni bančni odnosi s centralnimi bankami , denarnimi oblastmi in mednarodnimi finančnimi institucijami v splošnem niso povezani z velikim tveganjem za pranje denarja ali financiranje terorizma , z izjemo institucij iz držav na seznamu nekooperativnih držav in ozemelj , ki ga vodi FATF , ECB priporoča vključitev podobne izjeme v zahtevah predlagane direktive glede poglobljenega skrbnega preverjanja strank za čezmejne korespondenčne bančne odnose .
In a similar vein , the ECB notes that under Article 23 of the Statute , « the ECB and the national central banks may establish relations with central banks and financial institutions in other countries and , where appropriate , with international organizations ...
V podobnem smislu ECB ugotavlja , da po členu 23 Statuta „ECB in nacionalne centralne banke lahko vzpostavljajo odnose s centralnimi bankami in finančnimi institucijami v drugih državah ter , kadar je primerno , z mednarodnimi organizacijami [...
conduct all types of banking transactions in relations with third countries and international organizations ...
in ] opravljajo vse vrste bančnih poslov s tretjimi državami in mednarodnimi organizacijami [...
The confidential conduct of banking transactions on behalf of such non-EU , as well as other EU , central bank customers and international organisation customers is of critical importance .
Zaupno opravljanje bančnih poslov za račun takšnih strank , ki so centralne banke zunaj EU , kot tudi v EU , in mednarodne organizacije , je bistvenega pomena .
It is unclear whether counterparties of national central banks ( NCBs ) in the Eurosystem -- for example , credit institutions -- would have to apply customer due diligence procedures under the proposed directive when receiving funds placed by NCBs on behalf of customers which are central banks or international organisations .
Nejasno je , ali bi morale nasprotne stranke nacionalnih centralnih bank ( NCB ) v Eurosistemu -- na primer kreditne institucije -- uporabljati postopke skrbnega preverjanja strank po predlagani direktivi , kadar prejmejo sredstva , ki jih NCB nalagajo za račun strank , ki so centralne banke ali mednarodne organizacije .
It would therefore be helpful if the proposed directive could be amended so as to require Member States to allow institutions and persons covered by it not to apply customer due diligence in respect of the ECB and the NCBs in the ESCB , including when they act on behalf of third-party customers .
Zatorej bi bilo koristno , če bi bila predlagana direktiva spremenjena v smislu , da bi od držav članic zahtevala , da institucijam in osebam , zajetim v njej , dovolijo , da ne uporabijo skrbnega preverjanja strank pri ECB in NCB v ESCB , vključno s primeri , ko le-te delujejo za račun strank , ki so tretje osebe .
In practice central banks represent a very low risk of money laundering and an explicit reference to central banks would increase legal clarity .
V praksi predstavljajo centralne banke zelo majhno tveganje za pranje denarja , zato bi njihova izrecna navedba povečala pravno jasnost .
( ii ) Obligations of central banks under the proposed directive
( ii ) Obveznosti centralnih bank po predlagani direktivi
As is the case with the current Money Laundering Directive , the proposed directive applies to credit and financial institutions ( Article 2 ( 1 )) .
Tako kot veljavna direktiva o pranju denarja tudi predlagana direktiva velja za kreditne in finančne institucije ( člen 2 ( 1 )) .
It is unclear whether central banks themselves fall within the scope of the proposed directive .
Nejasno je , ali same centralne banke spadajo v področje predlagane direktive .
For reasons of legal clarity , the ECB would welcome it if Article 2 of the proposed directive were amended by adding a separate paragraph according to which central banks shall assess the extent to which they represent a risk of being used for money laundering and , where there is a material risk of money laundering occurring , shall take appropriate measures to ensure that they comply with the objectives of the proposed directive .
Iz razlogov pravne jasnosti bi ECB pozdravila , če bi bil člen 2 predlagane direktive spremenjen tako , da bi se dodal ločen odstavek , po katerem bi morale centralne banke ocenjevati obseg , v katerem one same predstavljajo tveganje , da so uporabljene za pranje denarja , in , v primerih , ko obstaja bistveno tveganje , da pride do pranja denarja , sprejeti ustrezne ukrepe za zagotovitev , da spoštujejo cilje predlagane direktive .
Article 7 ( 3 ) of the proposed directive provides that , with regard to the service of money transmission , the special provisions on customer identification which will be set out in the as yet unpublished Commission proposal for a regulation of the European Parliament and of the Council on payer 's information accompanying funds transfers ( hereinafter the « draft regulation ') shall apply ( 2 ) .
Člen 7 ( 3 ) predlagane direktive določa , da se glede storitev plačilnega prometa upoštevajo posebne določbe glede identifikacije strank , ki bodo navedene v še neobjavljenem predlogu Komisije za uredbo Evropskega parlamenta in Sveta o podatkih o plačniku ob kreditnih transferjih in denarnih nakazilih ( v nadaljevanju : „osnutek uredbe ") ( 2 ) .
The purpose of the draft regulation is to ensure that basic payer 's information is immediately available to the appropriate authorities to assist them in combating the financing of terrorism .
Namen osnutka uredbe je zagotoviti , da so osnovni podatki o plačniku nemudoma na razpolago pristojnim organom v pomoč pri njihovem boju proti financiranju terorizma .
The draft regulation applies to funds transfers in any currency which are sent , received , or both , by a payment service provider established in the EU ( 3 ) .
Osnutek uredbe se uporablja za prenose sredstev v kateri koli valuti , ki so poslani in / ali prejeti s strani ponudnika storitev plačilnega prometa s sedežem v EU ( 3 ) .
The draft regulation also contains requirements applicable to payment service providers relating to the retention of payers » information accompanying funds transfers ( 4 ) .
Osnutek uredbe vsebuje tudi zahteve , ki veljajo za ponudnike storitev plačilnega prometa v zvezi z zadržanjem podatkov o plačniku ob kreditnih transferjih in denarnih nakazilih ( 4 ) .
The provisions in the proposed directive concerning payer information do not seem to exempt the application of other customer due diligence procedures to the service of money transmission , including the identification of a beneficial owner .
Za določbe predlagane direktive , ki se nanašajo na podatke o plačniku , se ne zdi , da bi pri storitvah plačilnega prometa izvzemale uporabo drugih postopkov skrbnega preverjanja strank , vključno z identifikacijo dejanskega lastnika .
It therefore seems that the proposed directive applies generally to the operation of payment systems .
Zato se zdi , da se predlagana direktiva splošno uporablja za upravljanje plačilnih sistemov .
In particular , Article 7 ( 1 )( b ) of the proposed directive states that identifying a beneficial owner forms part of the customer due diligence requirements , and Article 3 ( 8 ) provides that beneficial owner means , inter alia , the natural person on whose behalf a transaction or activity is being conducted .
Zlasti člen 7 ( 1 )( b ) predlagane direktive določa , da je identifikacija dejanskega lastnika eden od ukrepov skrbnega preverjanja strank , člen 3 ( 8 ) pa določa , da dejanski lastnik med drugim pomeni fizično osebo , v imenu katere se opravljajo transakcije ali dejavnosti .
The particularities of the structure of payment systems are relevant here .
Pri tem so pomembne posebnosti v strukturi plačilnih sistemov .