natgillin/translations-raw huggingface dataset:
10 . CLARITY AND CERTAINTY WITH REGARD TO THE SEPA TASKS THAT THE EUROSYSTEM EXPECTS TO BE FULFILLED -- SEPA IMPLEMENTATION AND MIGRATION MILESTONES .
ZA DOBRO UPRAVLJANJE IN VODENJE PROJEKTA SEPA JE TREBA SPREMENITI MANDAT IN ORGANIZACIJO EPC . Uspeh projekta SEPA je v veliki meri odvisen od njegovega ustreznega upravljanja in vodenja .
EXECUTIVE SUMMARY The success of SEPA greatly depends on an adequate governance of the project .
Pri projektu , kakršen je SEPA , to pomeni , da morajo v upravljanju in vodenju sodelovati različni deležniki na evropski in nacionalni ravni , ki usklajujejo svoje interese na pregleden način in z mehanizmi , ki omogočajo doseganje ciljev projekta .
Good governance arrangements for a project such as SEPA means involving different stakeholders at both European and national levels and balancing their interests , with transparency as well as with mechanisms that ensure the delivery of the SEPA targets . Given the crucial role played by the EPC in the SEPA project , the EPC 's governance
Glede na ključno vlogo , ki jo v projektu SEPA igra EPC , si njegov sistem upravljanja in vodenja zasluži posebno pozornost . EPC je sicer dosegel velik napredek pri usklajevanju interesov različnih deležnikov v shemah SEPA , vseeno pa bi bilo mogoče na področju vključeva -
In order to provide clarity and certainty as to the tasks that it expects to be fulfilled , the Eurosystem has identified a list of milestones for SEPA implementation and migration .
Eurosistem je za jasnost in gotovost glede nalog , za katere pričakuje , da bodo izpolnjene , pripravil seznam mejnikov pri implementaciji in migraciji na SEPA .
The list of SEPA milestones will enable better management of the SEPA project and improved measurement of the progress towards SEPA implementation and migration , while at the same time contributing to the preservation of momentum .
Ta bo omogočil boljše upravljanje projekta SEPA in natančnejše merjenje napredka pri implementaciji in migraciji , hkrati pa prispeval k temu , da projekt ohrani zagon .
In chronological order , the milestones are : ensuring the continued validity of existing mandates ;
Kronološko so mejniki naslednji : zagotovitev nadaljnje veljavnosti obstoječih pooblastil ;
SDD MIF ;
multilateralne medbančne provizije za direktne obremenitve SEPA ;
a review of Regulation 2560/2001 ;
revizija uredbe 2560/2001 ;
the setting of an end-date for the SCT ; the SDD launch ;
določitev roka za kreditna plačila SEPA , uvedba direktnih obremenitev SEPA ;
the transposition of the Payment Services Directive ;
prenos direktive o plačilnih storitvah v nacionalno zakonodajo ;
the e-invoicing framework ;
okvir za storitev e-računov ;
the setting of an end-date for the SDD ;
določitev roka za direktne obremenitve SEPA ;
a decision on additional European card schemes ;
odločitev o dodatnih evropskih kartičnih shemah ;
and the implementation of SEPA cards standards .
uvedba kartičnih standardov SEPA .
INTRODUCTION The Eurosystem continues to strongly support the creation of the Single Euro Payments Area ( SEPA ) , in which « individuals and corporations are able to make cashless payments throughout the euro area from a single payment account anywhere in the euro area using a single set of payment instruments as easily , efficiently and safely as they can make them today at the national level » .
UVOD Eurosistem še naprej odločno podpira vzpostavitev enotnega območja plačil v eurih ( SEPA ) , v katerem „lahko posamezniki in gospodarske družbe negotovinska plačila v celotnem euroobmočju opravljajo z enega samega računa kjer koli v euroobmočju ter z uporabo enega samega niza plačilnih instrumentov tako preprosto , učinkovito in varno , kot danes opravljajo plačila znotraj svoje države » .
SEPA is needed to move towards a more integrated payments market in Europe , which will bring substantial economic benefits to society .
SEPA je potrebna za prehod v tesneje povezan trg plačil v Evropi , ki bo družbi prinesel velike gospodarske koristi .
It is also a necessary step in the completion of the introduction of the euro as the single currency of 15 and , soon , with its adoption by Slovakia on 1 January 2009 , of 16 countries in Europe .
Obenem je tudi nujni korak za zaključek uvedbe eura kot enotne valute petnajstih , z vstopom Slovaške v euroobmočje 1 . januarja 2009 pa šestnajstih držav v Evropi .
As such , SEPA is not just a business project , but is also closely linked to the political ambition for a more integrated , competitive and innovative Europe .
Kot taka SEPA ni le poslovni projekt , ampak je tesno povezana s političnimi prizadevanji za prehod v tesneje povezano ter bolj konkurenčno in inovativno Evropo .
SEPA is a major European objective , which in ambition , size and complexity , is comparable with the changeover to the euro and the introduction of euro banknotes and coins .
SEPA je eden največjih evropskih ciljev , ki je po pomenu , velikosti in zapletenosti primerljiv s prehodom na euro in uvedbo eurskih bankovcev in kovancev .
In its role as a catalyst for change , the Eurosystem is closely monitoring the developments towards SEPA .
Eurosistem v vlogi pospeševalca sprememb natančno spremlja dogajanja na poti k SEPA .
To date , the Eurosystem has published five progress reports on the topic , all of which assess the state of preparation and provide guidance to the market .
Doslej je o tem objavil pet poročil o napredku , v vseh pa je ocenjeval raven pripravljenosti in dajal usmeritve trgu .
Moreover , a report specifically addressing card payment schemes was published in November 2006 .
Poleg tega je novembra 2006 objavil tudi posebno poročilo , ki je bilo v celoti posvečeno shemam kartičnih plačil .
Since the publication of the fifth progress report in July 2007 , there have been many new developments .
Od objave petega poročila o napredku julija 2007 je prišlo do številnih sprememb .
The successful launch of SEPA in January 2008 was a major milestone .
Pomemben mejnik je bil uspešen začetek SEPA v januarju 2008 .
With the introduction of the SEPA Credit Transfer ( SCT ) on 28 January 2008 , the first benefits of SEPA have materialised for banks and , more importantly , have started to reach the endusers of payment services .
Z uvedbo kreditnih plačil SEPA ( KPS ) 28 . januarja 2008 lahko prve prednosti novega okolja uživajo banke , še pomembneje pa je , da se prve koristi kažejo tudi za končne uporabnike plačilnih storitev .
National SEPA implementation and migration plans were drafted and published .
Pripravljeni in objavljeni so bili tudi nacionalni načrti za implementacijo in migracijo na SEPA .
Most automated clearing houses ( ACHs ) that were processing credit transfers in euro have become SCT scheme-compliant .
Večina avtomatiziranih klirinških hiš , ki obdelujejo kreditna plačila v eurih , se je že uskladila s shemo KPS .
In January 2008 , SEPA for card payments was also launched , but more effort is needed in this field to achieve the goals of the SEPA project , for example the emergence of at least one additional European card scheme .
Januarja 2008 je za kartična plačila začela delovati tudi SEPA za kartice , vendar bodo za dosego ciljev projekta SEPA na tem področju potrebna odločnejša prizadevanja , na primer z vzpostavitvijo vsaj še ene dodatne evropske kartične sheme .
With regard to the third type of payment instrument , SEPA Direct Debit ( SDD ) , preparations have continued over the past year , resulting in the adoption of two Rulebooks for the Core service and the Business-toBusiness service for the launch of the SDD on 1 November 2009 .
V zvezi s tretjim plačilnim instrumentom , direktnimi obremenitvami SEPA ( DOS ) , so se priprave v minulem letu nadaljevale in privedle do sprejema pravilnika za osrednje storitve in pravilnika za storitve medpodjetniškega poslovanja , potrebnih za uvedbo DOS 1 . novembra 2009 .
Even so , this important SEPA instrument is still beset by many uncertainties , which need to be resolved urgently .
Vseeno v zvezi s tem pomembnim instrumentom SEPA še vedno obstaja vrsta odprtih vprašanj , ki jih je treba rešiti čimprej .
Progress has also been made in the fields of e-payments and mobile payments .
Napredek je bil dosežen tudi na področju e-plačil in mobilnih plačil .
Moreover , the governance of the SEPA project as a whole and of the EPC as its main promoter have been subject to discussion .
Razvila se je tudi razprava o upravljanju in vodenju projekta SEPA kot celote in EPC kot njegovega glavnega spodbujevalca .
Despite the mostly positive developments since the publication of the 5th Progress Report , the Eurosystem has observed diminishing motivation among market participants for the project and that the constructive spirit of the preparation phase has been turning into a downbeat attitude .
Kljub temu da so bila gibanja od objave petega poročila o napredku večinoma pozitivna , pa Eurosistem opaža , da motivacija za projekt med tržnimi udeleženci upada in da se konstruktivni duh pripravljalne faze preveša v malodušje .
Therefore , the Eurosystem considers it helpful to issue a further progress report , focusing on areas where work remains to be done by the market in order to overcome this weariness and to ensure the success of SEPA .
Eurosistem zato meni , da je smiselna objava novega poročila o napredku , ki se tokrat osredotoča na tista področja , kjer mora trg opraviti še nekaj dela , da bi premagal to malodušje in zagotovil uspeh projekta SEPA .
The addressees of the report are not only the banks and future payment institutions , but all relevant stakeholders such as corporates , public administrations , merchants and consumers .
Naslovniki poročila niso samo banke in bodoče plačilne institucije , ampak vsi ustrezni deležniki , kot so gospodarske družbe , javne uprave , trgovci in potrošniki .
The goals of SEPA can be fully achieved only if all stakeholders actively combine their efforts .
Cilje SEPA bo mogoče v celoti doseči le tako , da vsi deležniki združijo moči .
Besides guidance to the market on how the remaining problems could be overcome , this progress report also contains milestones , with the aim of providing clarity and certainty with regards to the tasks that need to be fulfilled to make SEPA implementation and migration a success .
Poleg priporočil trgu o tem , kako je preostale težave mogoče premagati , to poročilo o napredku vsebuje tudi mejnike , katerih namen je zagotoviti jasnost in gotovost v zvezi z nalogami , ki jih je treba opraviti , da bosta implementacija in migracija na SEPA uspešni .
All stakeholders are requested to take up the guidance and tasks , so that the goals of SEPA can be achieved .
Eurosistem vse deležnike naproša , da upoštevajo te smernice in naloge , da bi lahko uresničili cilje SEPA .
ECB Sixth single euro payments area ( SEPA ) progress report November 2008
V prvem je predstavljeno sedanje stanje na področju kreditnih plačil in direktnih obremenitev SEPA . ECB Enotno območje plačil v eurih : šesto poročilo o napredku november 2008
Chapter 1 presents a review of the status of the SEPA Credit Transfer and SEPA Direct Debit instruments . Chapter 2 addresses SEPA card payments , including standardisation and the emergence of additional European card schemes .
Drugo obravnava kartična plačila SEPA , vključno z vprašanji standardizacije in oblikovanja dodatnih evropskih kartičnih shem .
Developments in the infrastructures for processing , clearing and / or settlement of SEPA payments are covered in Chapter 3 . The developments with regard to cash are described in Chapter 4 .
V tretjem poglavju so obravnavana dogajanja na področju infrastrukture za procesiranje , kliring in poravnavo plačil SEPA .
Chapter 5 deals with governance issues . Finally , Chapter 6 presents the SEPA milestones .
Četrto poglavje obravnava dogajanja v zvezi z gotovino , peto vprašanja upravljanja in vodenja , šesto poglavje pa predstavlja mejnike v projektu SEPA .
1 SEPA CREDIT TRANSFER , SEPA DIRECT DEBIT AND THE END-DATE FOR MIGRATION 1.1 SEPA CREDIT TRANSFER : PROGRESS AND GUIDANCE In addition to compiling the Euro area SCT indicator , the Eurosystem also assesses the takeup of SCT at the national level .
1 KREDITNO PLAČILO IN DIREKTNA OBREMENITEV SEPA TER ROK ZA MIGRACIJO 1.1 KREDITNO PLAČILO SEPA : NAPREDEK IN USMERITVE Kreditno plačilo SEPA , ki je bilo uvedeno 28 .
The « National SCT indicators » give a more comprehensive view on the situation in each country with regard to the market share of national legacy products and SEPA Credit Transfers . They are compiled biannually and are based on data received from a larger number of sources .
januarja 2008 , je uspešno zaživelo , saj je k shemi ( tj . različici 2.3 pravilnika sheme kreditnih plačil SEPA ( SEPA Credit Transfer Scheme Rulebook )) pristopilo več kot 4.000 bank .
The national indicators will be published on the euro area NCB websites from the end of 2008 . The uptake of the SCT is influenced by the pace of changeover procedures at the level of banks , promotion of the new instrument by banks and preparations by users , for instance in updating their ERP ( Enterprise Resource Planning ) system or payment software .
Do konca avgusta je k shemi pristopilo 4.350 bank in po navedbah EPC bodo skoraj vse banke , ki so dejavne v plačilnem prometu , pristopile k shemi in bodo sposobne pošiljati in prejemati KPS . Zato lahko zaključimo , da dosegljivost bank v SEPA ni problematična .
At present , a large number of banks have not yet finalised their operational preparations for the mass processing of SCT transactions , and processing still requires manual intervention . Moreover , communication by many banks has on average been minimal or was only addressed to specific customers .
V začetni fazi je bilo nekaj otroških bolezni , npr . v zvezi z uporabo nepravilnih kod BIC in nenatančnega izvajanja pravil sheme pri vračilih KPS , vendar so tržni udeleženci nanje hitro opozorili EPC , ki je ustrezno ukrepal .
The ECB conducted a Corporate Survey in 2007 and 2008 , to which over 300 companies , large and small , responded 2 .
Eurosistem je opredelil 12 skupnih določil za nacionalne načrte in v rednih presledkih preverjal njihovo uporabo .
In 2008 , awareness of SEPA increased significantly to 80 % ( from 53 % in 2007 ) , but the main source of information remains the press , rather than banks , and survey respondents did not have a full appreciation of the impact of SEPA . Banks therefore need to step up their communication efforts , including by providing information on IBAN and BIC , and to make clear product offers to all customers .
Sklenil je tudi , da bo razvoj okolja SEPA pozorno spremljal tudi zdaj , ko ta ni več zgolj koncept , ampak realnost . Sestavil je kazalnik kreditnih plačil SEPA za euroobmočje ( Euro area SCT indicator ) , ki kaže , kako se KPS uveljavlja v euroobmočju .
Vendors of ERP systems or software for payments also have a role to play in bringing SEPA to corporates , public administrations and SMEs .
Kazalnik temelji na podatkih , ki jih posredujejo infrastrukture ( avtomatizirane klirinške hiše ) v euroobmočju .
The Eurosystem invites those vendors that are lagging behind to ensure that their products are ready for SEPA and offer them to their customers .
Kot tak ne meri natančno vseh transakcij KPS , saj npr .
On the other hand , customers might want to time their changeover processes to the roll-out of the SEPA Direct Debit , which is scheduled for launch in November 2009 .
ne vključuje internih plačil ( on-us transactions ) in transakcij , obdelanih znotraj dvostranskega kliringa ali korespondenčnega bančništva , vseeno pa predstavlja dragocen in edinstven kazalec odstotnega deleža transakcij KPS v skupnem številu kreditnih plačil .
In 1 2 See http://www.ecb.europa.eu/paym/sepa/timeline/html/index .
Kazalnik se posodablja mesečno in je objavljen na spletni strani ECB 1 .
en.html .
Po tem kazalniku je uporaba KPS ( glej graf ) od uvedbe 28 .
The ECB Corporate Survey makes use of the European Commission 's « European Business Test Panel » . The SEPA Credit Transfer , which was launched on 28 January 2008 , has had a successful start , with more than 4,000 banks adhering to the scheme ( i.e. Version 2.3 of the SEPA Credit Transfer Scheme Rulebook ) .
Septembra 2008 je bilo v klirinško-poravnalnih mehanizmih v euroobmočju obdelanih 7 milijonov transakcij KPS , kar predstavlja 1,5% skupnega obsega kreditnih plačil . Poleg tega , da sestavlja kazalnik KPS za euroobmočje , Eurosistem spremlja tudi uveljavljanje KPS na nacionalni ravni .
By the end of August , 4,350 banks had adhered and , according to the EPC , nearly all banks that are active in the payments business would adhere and be able to send and receive SCTs .
Nacionalni kazalniki KPS ( National SCT indicators ) dajejo celovitejšo sliko razmer v posamezni državi glede tržnega deleža , ki ga imajo stari nacionalni produkti in KPS .
It can therefore be concluded that reachability of banks in SEPA has not been problematic .
Sestavljajo se polletno iz podatkov , ki prihajajo iz večjega števila virov .
In the start-up phase , there were some teething problems , for instance with regard to the use of incorrect BICs and the inaccurate application of the scheme rules when making a SCT return transaction , but these were quickly brought to the attention of the EPC by market participants and subsequently addressed . In the run-up to the launch , national SEPA implementation and migration plans were drafted and published .
Nacionalni kazalniki bodo objavljeni na spletnih straneh nacionalnih centralnih bank euroobmočja od konca leta 2008 naprej . Uveljavljanje KPS je odvisno od hitrosti postopkov prehoda na nove instrumente na ravni bank , spodbujanja komitentov bank k njihovi uporabi in pripravljenosti komitentov na uporabo novih instrumentov , npr .
The Eurosystem established 12 common provisions for the national plans and periodically monitored their transposition .
s posodobitvijo sistemov za upravljanje virov podjetja in programske opreme za plačila .
The Eurosystem has decided to continue monitoring developments in the SEPA closely now that it has moved on from being a concept to become a reality .
Številne banke doslej še niso zaključile operativnih priprav za množično procesiranje transakcij KPS in del postopkov se še vedno opravlja ročno .
It has compiled the « Euro area SCT indicator » to monitor the takeup of the SCT in the euro area .
Poleg tega so banke v povprečju zelo malo obveščale svoje komitente ali pa so se med njimi osredotočale samo na določene skupine .
The indicator is based on data supplied by infrastructures ( ACHs ) located in the euro area . As such , it does not exactly measure all SCT transactions , e.g. it does not include on-us transactions and transactions cleared via bilateral clearing or correspondent banking , but provides a valuable and unique indicator of the percentage share of SCT transactions in the total volume of credit transfer transactions .
ECB je v letih 2007 in 2008 med podjetji izvedla anketo , na katero je odgovorilo več kot 300 velikih in malih podjetij 2 . V letu 2008 se je obveščenost o SEPA sicer močno povečala , na 80 % s 57 % v letu 2007 , vendar glavni 1 2 Glej stran http://www.ecb.europa.eu/paym/sepa/timeline/html / index .
The indicator is updated monthly and is published on the ECB 's website .
en.htm .
1 According to the indicator , the use of the SCT ( see graph below ) has grown steadily since its launch on 28 January 2008 .
Podjetniška anketa ECB poteka prek Posvetovalnega odbora evropskih podjetij ( EBTP ) , ki deluje v okviru Evropske komisije .
In September 2008 , 7 million SCT transactions were processed by euro area CSMs , accounting for 1.5 % of the total credit transfer volume . ECB Sixth single euro payments area ( SEPA ) progress report November 2008
Migracija na kreditna plačila SEPA ( v odstotkih ) obseg transakcij , obdelanih v formatu SEPA , kot odstotek vseh transakcij 1,6 1,5 1,4 1,3 1,2 1,1 1,0 0,9 0,8 0,7 0,6 0,5 0,4 1,6 1,5 1,4 1,3 1,2 1,1 1,0 0,9 0,8 0,7 0,6 0,5 0,4 1,5 1,4 1,2 1,1 1,0 0,9 0,8 0,5 apr. maj jun. jul . avg .
any case , projects should already be in place to meet this November 2009 deadline .
Po drugi strani je mogoče , da stranke svoj prehod na SEPA načrtujejo tako , da bo sovpadel z uvedbo direktnih obremenitev SEPA , ki je načrtovana za november 2009 . V vsakem primeru morajo projekti obstajati že zdaj , da bodo nared do novembra 2009 .
In the first eight months , the use of the SCT seems to have been mainly restricted to crossborder transactions in euro , which are commonly estimated to account for around 2 % of credit transfers in Europe .
Kot kaže , je bila v prvih osmih mesecih uporaba KPS omejena predvsem na čezmejne transakcije v eurih , ki po splošni oceni predstavljajo približno 2 % kreditnih plačil v Evropi . Vseeno je dobra novica v tem , da se je migracija na SEPA začela .
However , the positive news is that SEPA migration has started . The Eurosystem is confident that this will speed up , especially when further improvements ( see below ) are implemented , when the SDD becomes available from 1 November 2009 , and when broad agreement among stakeholders can be reached on setting an end-date for the migration of legacy credit transfers to the SCT .
Eurosistem je prepričan , da bo migracija sčasoma stekla hitreje , še posebej potem , ko bodo opravljene dodatne izboljšave ( glej spodaj ) , ko bo 1 . novembra 2009 uvedena direktna obremenitev SEPA in ko bo mogoče doseči splošno soglasje vseh deležnikov glede roka za migracijo starih kreditnih plačil v kreditna plačila SEPA .
The Eurosystem expects that the migration to SCT transactions will have reached a critical mass by the end of 2010 .
Eurosistem pričakuje , da bo migracija na transakcije KPS kritično maso dosegla do konca leta 2010 .
In parallel to the roll-out of the SCT , in 2008 the EPC has worked on a number of changes and improvements requested by customer representatives and / or banks .
Vzporedno z uvedbo kreditnih plačil SEPA je EPC v letu 2008 obravnaval tudi vrsto sprememb in izboljšav , ki so jih predlagali predstavniki bančnih komitentov in / ali bank .
These updates have been incorporated in Version 3.2 of the SCT Rulebook , which was approved by the EPC in June 2008 and is scheduled to replace the current Version 2.3 on 2 February 2009 3 .
Te izboljšave so bile vključene v različico 3.2 pravilnika KPS , ki ga je EPC odobril junija 2008 in naj bi sedanjo različico 2.3 nadomestil 2 . februarja 2009 3 .
In addition to some legal changes and factual corrections , the new version aims at improving the service quality of the product offered by banks .
Poleg nekaterih pravnih sprememb in faktografskih popravkov je namen nove različice tudi izboljšati kakovost storitev pri produktih , ki jih ponujajo banke .
The Eurosystem welcomes these improvements to the SCT , mainly the « ( category ) purpose » codes given by the Payer to signal the purpose of the transaction ( e.g. salary payment ) and « reference party » codes to indicate that the Payer and / or Payee are acting on behalf of another ( legal ) entity .
plačila » , ki jo da nalogodajalec , da bi označil namen transakcije ( npr . izplačilo plače ) , in kodo „končni nalogodajalec / prejemnik » , ki kaže , da nalogodajalec in / ali prejemnik delujeta v imenu druge ( pravne ) osebe .
Both of these improvements were in response to requests by corporate users .
Obe izboljšavi sta bili opravljeni na zahtevo poslovnih uporabnikov .
Other changes resulted from the participation of Swiss financial institutions in the SCT Scheme 4 .
Druge spremembe so bile rezultat sodelovanja švicarskih finančnih institucij v shemi KPS 4 .
The EPC also consulted stakeholders on implementation guidelines aimed at harmonising the customer-to-bank message standards and enabling customers to initiate SCT ( and SDD ) in a uniform manner and approved the customer-to-bank implementation guidelines for SCT .
EPC se je z deležniki posvetoval tudi o izvedbenih smernicah za uskladitev standardov za sporočila med komitentom in banko , ki komitentom omogočajo , da nalog za KPS ( in DOS ) izdajo po enotnem postopku , ter odobril izvedbene smernice za KPS v domeni komitent -- banka .