natgillin/translations-raw huggingface dataset:
ACHs that focus on offering the clearing and settlement only of SEPA core payments would be described as « narrow » ACHs , while those also offering additional services -- such as back office processing , notifications and booking information , additional functionalities for specific products ( e.g. additional optional services ) , specific communities and specific clients -- would be deemed « wide » ACHs .
Avtomatizirane klirinške hiše , ki se osredotočajo na ponudbo kliringa in poravnave le osrednjih SEPA plačil , lahko opišemo kot „ozke » , medtem ko avtomatizirane klirinške hiše , ki ponujajo tudi dodatne storitve -- podporo poslov , obvestila in informacije za knjiženje , dodatne funkcionalnosti za določene produkte ( na primer dodatne opcijske storitve ) , določene skupnosti in določene stranke -- lahko imenujemo „široke » avtomatizirane klirinške hiše .
The Eurosystem welcomes the emergence of different competing business models , as these will provide banks with a choice .
Eurosistem pozdravlja nastanek različnih konkurenčnih poslovnih modelov , saj bodo ti bankam omogočili izbiro .
1 S TAT U S O F , AND R E C O M M E N DAT I O N S CONCERNING , S E PA I N S T R U M E N T S AND INFRASTRUCTURES ECB Single Euro Payment Area ( SEPA ) July 2007
ECB Enotno območje plačil v eurih ( SEPA ) julij 2007 1 S TA N J E N A P O D R O Č J U S E PA INSTRUMENTOV IN INFRASTRUKTURE TER ZADEVNA PRIPOROČILA
1.2.2 THE EUROSYSTEM' S CRITERIA FOR THE SEPA-COMPLIANCE OF INFRASTRUCTURES The Eurosystem has defined criteria to assess the SEPA-compliance of infrastructures . All infrastructures are invited to comply with these criteria , which address the processing of payments , interoperability among infrastructures , sending and receiving capacity , as well as access conditions and transparency .
Vse infrastrukture naj zagotovijo skladnost s temi kriteriji , ki določajo obdelavo plačil , interoperabilnost med infrastrukturami , sposobnost pošiljanja in prejemanja ter pogoje dostopa in preglednost . Štirje kriteriji skladnosti z zahtevami SEPA Eurosistem je določil nekatere zahteve , ki jih mora izpolniti infrastruktura , da bi postala skladna z zahtevami SEPA .
Four criteria to become SEPA-compliant The Eurosystem requires infrastructures to fulfil some requirements in order to become SEPA-compliant . They are asked to : ( i ) comply with the requirements of the PEACH / CSM Framework , the SCT Rulebook and / or the SDD Rulebook , the Implementation Guidelines and the associated UNIFI ( ISO 20022 ) XML standards , and to be ready to support scheme testing as planned by the EPC ;
Infrastruktura mora : ( i ) zagotoviti usklajenost z zahtevami iz okvira PE-ACH / CSM ( PE-ACH / CSM Framework ) , Pravilnika za kreditna plačila in / ali Pravilnika za direktne obremenitve , izvedbenih smernic in s tem povezanih standardov UNIFI ( ISO 20022 ) XML ter biti pripravljena podpreti testiranje sheme , kot to predvideva EPC ;
specific proprietary standards , nor to impose participation obligations on users of other infrastructures , and to ensure full transparency of services and pricing .
infrastrukture ali posebnih lastniških standardov niti ne sme uporabnikom drugih infrastruktur nalagati obveznosti v zvezi z udeležbo ter mora zagotoviti popolno preglednost storitev in cenovljenja .
Deadline for compliance The first requirement should be met by the start of SEPA in January 2008 , while the other requirements should be met by the infrastructures by end-2010 at the latest .
Rok za zagotovitev skladnosti Prva zahteva naj bi bila izpolnjena do začetka SEPA januarja 2008 , medtem ko naj bi bile druge zahteve izpolnjene najkasneje do konca leta 2010 .
The Eurosystem expects infrastructures that are not SEPA-compliant after the end of 2010 , and that have no plans to become SEPA-compliant , to ultimately close down .
Eurosistem pričakuje , da bodo infrastrukture , ki po koncu leta 2010 ne bodo skladne z zahtevami SEPA in nimajo nobenih načrtov to postati , dokončno nehale obratovati .
Evaluation of compliance Compliance with these requirements should be checked by the infrastructure operators themselves , via a self-assessment process .
Ocena skladnosti Skladnost s temi zahtevami naj bi s samoocenjevanjem preverjali upravljavci infrastrukture sami .
In this respect , the Eurosystem intends to develop and communicate more detailed terms of reference in the second half of 2007 , which should be used by the infrastructure as guidance for self-assessment .
Eurosistem namerava za to v drugi polovici leta 2007 razviti in objaviti podrobnejši referenčni okvir , ki naj bi ga upravljavci infrastrukture uporabljali kot vodilo pri samoocenjevanju .
Infrastructures » selfassessments should be made publicly available , so that market participants have the opportunity to reassure themselves about the SEPAcompliance of the infrastructures they are using .
Samoocena infrastrukture mora biti javno objavljena , tako da se lahko tržni udeleženci prepričajo , da je infrastruktura , ki jo uporabljajo , skladna z zahtevami SEPA .
Full transparency should ensure the comparability of the self-assessments , and help in the avoidance of inconsistencies and errors .
Popolna preglednost bi morala zagotoviti primerljivost samoocen in prispevati k izogibanju nedoslednostim in napakam .
The EPC is invited to take these criteria into consideration when reviewing policies regarding payment systems infrastructure ( e.g. by updating the PE-ACH / CSM Framework ) .
EPC je naprošen , da te kriterije upošteva tudi pri presoji politik v zvezi z infrastrukturo plačilnih sistemov ( na primer s posodabljanjem okvira PE-ACH / CSM ) .
1.3 STANDARDISATION
1.3 STANDARDIZACIJA
( ii ) adopt interoperability rules , i.e. interface specifications and business procedures for the exchange of SEPA credit transfer and SEPA direct debit payment orders between banks and infrastructures , and between infrastructures , that are preferably mutually agreed upon by the relevant CSMs , and undertake to establish a link with any other infrastructure upon request , based on the principle that the cost for establishing the link is borne by the requesting infrastructure ;
( ii ) sprejeti pravila interoperabilnosti , tj . specifikacije vmesnikov in poslovne postopke za izmenjavo plačilnih nalogov v zvezi s SEPA kreditnimi plačili in SEPA direktnimi obremenitvami med bankami in infrastrukturo ter med infrastrukturami , ki naj bodo po možnosti medsebojno dogovorjeni med zadevnimi mehanizmi kliringa in poravnave , ter omogočiti vzpostavitev povezave s katero koli infrastrukturo na temelju načela , da stroške vzpostavitve povezave krije infrastruktura , ki povezavo zahteva ;
( iii ) be able to send or receive euro payments to and from all banks in the euro area , either directly or indirectly through intermediary banks , or through links between infrastructures ( in other words , to provide full reachability ) ;
( iii ) biti sposobna pošiljati in prejemati eurska plačila vsem bankam oziroma od vseh bank v euroobmočju bodisi neposredno ali posredno prek posredniških bank ali prek povezav med infrastrukturami ( z drugimi besedami , zagotoviti mora popolno dosegljivost ) ;
and ( iv ) enable financial institutions to make infrastructure choices based on service and price , and therefore not to apply undue access restrictions , nor to set obligations for users to process certain types of payment in a specific infrastructure , or via
in ( iv ) omogočiti finančnim institucijam , da lahko izbirajo med infrastrukturami na podlagi storitev in cene , in tako ne sme po nepotrebnem omejevati dostopa ali uporabnikom nalagati obveznosti obdelave določenih vrst plačil prek določene
STANDARDISATION EFFORTS SHOULD NOW ALSO FOCUS ON THE CUSTOMER-TO-BANK DOMAIN WITH THE AIM OF INCREASING EFFICIENCY So far , the EPC has concentrated on standards in the bank-to-bank domain , and has hesitated to enter into the definition of standards for the customer-to-bank and bank-to-customer domains , as these are regarded as belonging to the competitive domain .
PRIZADEVANJA ZA STANDARDIZACIJO BI SE MORALA SEDAJ S CILJEM POVEČANJA UČINKOVITOSTI USMERITI TUDI NA DOMENO KOMITENT-BANKA EPC se je do sedaj osredotočal na standarde v domeni banka-banka , okleval pa je pri opredelitvi standardov v domeni komitentbanka ter banka-komitent , saj naj bi ti sodili na področje konkurenčnosti .
Nevertheless , the Eurosystem considers that a minimum degree 18
Kljub temu Eurosistem meni , da je minimalna stopnja harmonizacije potrebna tudi na tem področju
of harmonisation is also necessary in this field , and that this would not be detrimental to competition .
ter da to ne bi škodovalo konkurenci .
End-users , in particular multicountry end-users , will accept the costs related to SEPA and participate in the migration only if SEPA allows them to reach a high degree of end-to-end straight-through processing ( STP ) without national deviations , which is essential for making payment processing more efficient and effective .
Končni uporabniki , zlasti tisti , ki poslujejo v več državah , bodo sprejeli stroške v zvezi s SEPA in sodelovali pri migraciji le , če jim bo SEPA omogočila doseči visoko stopnjo avtomatizirane obdelave plačil ( STP ) od začetka do konca brez nacionalnih odklonov , kar je nujno za večjo učinkovitost obdelave plačil .
Therefore , the Eurosystem calls upon the EPC to start working on customer-to-bank and bankto-customer standards and implementation guidelines , in particular for structured remittance data and automatic reconciliation in SEPA credit transfers and SEPA direct debits .
Eurosistem zato poziva EPC , da se začne ukvarjati s standardi v domeni komitent-banka in banka-komitent ter z izvedbenimi smernicami , zlasti glede strukturiranih podatkov o plačilu in avtomatiziranega usklajevanja pri SEPA kreditnih plačilih in SEPA direktnih obremenitvah .
Furthermore , a major goal of the SEPA project is to endorse forward-looking features and to foster innovation ; therefore , the Eurosystem recommends that infrastructures should have the capability to process the full SEPA subset of the ISO 20022 XML standards ( i.e. the socalled yellow and white data fields ) .
Poleg tega je eden glavnih ciljev projekta SEPA vključiti napredne značilnosti in spodbujati inovacije , zato Eurosistem priporoča , da ima vsaka infrastruktura sposobnost obdelave celotnega niza standardov ISO 20022 XML za SEPA ( tj . tako imenovana rumena in bela podatkovna polja ) .
This will enable banks and infrastructures to cope with future developments in the field of additional optional services , and any new schemes that might emerge .
To bo bankam in infrastrukturam omogočilo slediti razvoju na področju dodatnih opcijskih storitev in novih shem , ki bi še lahko nastale .
The EPC should develop the usage rules for these messages , which will allow end-to-end STP , as soon as possible .
EPC mora za ta sporočila čimprej razviti pravila uporabe , kar bo omogočilo avtomatizirano obdelavo plačil od začetka do konca .
In order to allow banks to offer innovative services , infrastructures have to ensure that the complete transmission of the necessary information for such innovative services is not endangered .
Da bi lahko banke ponudile inovativne storitve , mora infrastruktura zagotoviti , da celoten prenos potrebnih podatkov v zvezi s takšnimi inovativnimi storitvami ni ogrožen .
NEED FOR CONTINUED WORK ON SECURITY STANDARDS FOR PAYMENTS The Eurosystem would like to reiterate the need to work urgently on the security of payments , especially in the areas of internet banking , card payments via the internet and e-payments .
POTREBNO JE NADALJNJE DELO NA PODROČJU VARNOSTNIH STANDARDOV ZA PLAČILA Eurosistem bi rad znova poudaril , da je nujno potrebno delo na področju varnosti plačil , zlasti na področjih spletnega bančništva , kartičnih plačil prek spleta in elektronskih plačil .
Ensuring security in the bank-to-customer domain is in the interests of the banking community , given that financial and reputational risks could ensue from a lack of security .
Zagotavljanje varnosti v domeni bankakomitent je tudi v interesu bančnega sektorja , saj bi lahko pomanjkanje varnosti povzročilo finančna tveganja in tveganje izgube ugleda .
These reputational risks should not be underestimated , as public confidence in using new products will be decisive for a successful migration to SEPA .
Tveganja izgube ugleda ne bi smeli podcenjevati , saj bo zaupanje javnosti v uporabo novih produktov odločilno za uspešno migracijo na SEPA instrumente .
The Eurosystem does not believe that it is appropriate to leave the scope of risk management entirely to the discretion of individual banks .
Po mnenju Eurosistema ni najboljše v celoti prepustiti obvladovanja tveganj svobodnemu preudarku posameznih bank .
The EPC -- in its role as owner of the SEPA credit transfer and SEPA direct debit schemes -- is therefore requested to make a threat assessment , to develop a set of best practices and to promote the use of these practices by the banks .
Od ECP -- v vlogi lastnika shem SEPA kreditnih plačil in SEPA direktnih obremenitev -- se zato pričakuje , da bo pripravil oceno groženj , razvijal pravila dobre prakse ter banke spodbujal , da ravnajo v skladu s temi pravili .
ACTIVE PROMOTION OF THE IBAN AND BIC Apart from the above-mentioned standardisation efforts , banks should strongly promote the use of the IBAN and BIC by their customers .
AKTIVNO SPODBUJANJE UPORABE IBAN IN BIC Neodvisno od zgoraj navedenih prizadevanj v zvezi s standardizacijo bi morale banke svoje stranke intenzivno spodbujati k uporabi IBAN in BIC .
Banks should increase their efforts to make the IBAN and BIC known among their customers , for example by including it on account statements , in their internet banking environments and on payment cards .
Banke bi si morale bolj prizadevati , da se stranke seznanijo z IBAN in BIC , na primer z navedbo v bančnih izpiskih , v internetnem bančnem okolju ter na plačilnih karticah .
The changeover to the IBAN will require that corporates change the account numbers of all their clients .
Prehod na IBAN bo od podjetij zahteval , da spremenijo številke računov vseh svojih strank .
However , as corporates ( in particular , large corporates with many customers , such as telecommunications or insurance companies ) may have problems obtaining IBAN and BIC data from their customers , there should be some common solution for converting national account numbers and identifiers into the IBAN and BIC .
Ker pa bi lahko imela podjetja ( zlasti velika podjetja s številnimi strankami , kot so telekomunikacijska podjetja in zavarovalnice ) težave pri pridobivanju podatkov o IBAN in BIC od svojih strank , bi bilo treba poiskati skupno rešitev za pretvorbo nacionalnih številk računov in identifikatorjev v IBAN in BIC .
The EPC and the national banking communities should therefore develop a common approach for migration to the IBAN and BIC .
EPC in nacionalne bančne skupnosti morajo zato razviti skupen pristop pri migraciji na IBAN in BIC .
At the same time , the Eurosystem would like to repeat its request for the EPC to devise a longterm solution to provide a more user-friendly account identifier than the IBAN .
Hkrati bi rad Eurosistem še enkrat pozval EPC , da razvije dolgoročno rešitev , ki bo zagotovila uporabniku prijaznejšo oznako računa , kot je IBAN .
While elaborating a long-term solution , the concept of account number portability should be reviewed .
Med iskanjem dolgoročne rešitve bi bilo treba proučiti tudi prenosljivost številke računa .
Filling out a payment order with the IBAN only will inevitably be both cumbersome and prone to error , as an IBAN can have up to 31 characters in SEPA .
Izpolnjevanje plačilnega naloga zgolj z oznako IBAN bo neizogibno nerodno in podvrženo napakam , saj ima lahko IBAN v okolju SEPA do 31 znakov .
Some initial work has been done in this respect , in that the two different standards for the IBAN ( i.e. those from the ECBS and ISO ) have recently been aligned into one standard ( i.e. ISO 13616 ) .
Nekaj pripravljalnega dela v zvezi s tem je že bilo opravljenega , ko sta bila dva različna standarda IBAN ( tj . od ECBS in ISO ) povezana v en standard ( tj .
Moreover , the EPC has set requirements for IBAN / BIC databases , enabling banks to make conversions from the ECB Single Euro Payment Area ( SEPA ) July 2007
Poleg tega je EPC določil tudi zahteve glede podatkovne baze IBAN / BIC , kar bo bankam omogočilo pretvorbo iz zadevnih nacionalnih usmerjevalnih koordinat v BIC . PRIBLIŽEVANJE STANDARDOM NA PODLAGI XML V domeni komitent-banka EPC priporoča uporabo XML standardov , vendar ti niso ECB Enotno območje plačil v eurih ( SEPA ) julij 2007
respective national routing coordinates to the BIC .
obvezni .
MOVE TOWARDS XML-BASED STANDARDS In the customer-to-bank domain , the new XML standards are recommended by the EPC , but have not been made mandatory .
Za uporabnike tako ni jasno , ali in do kdaj bodo njihove banke podpirale stare standarde in formate .
For users , it is therefore not clear whether , and for how long , the old standards and formats will be supported by their banks . Corporates and SMEs , in particular multi-country ones , are also uncertain as to how SEPA transactions might be initiated without using the new XML standards , and therefore need more guidance on the changes related to XML standards .
Korporacije ter majhna in srednje velika podjetja , zlasti tista s poslovanjem v več državah , ravno tako ne vedo , kako bo mogoče sprožiti SEPA transakcije brez uporabe novih XML standardov , zato potrebujejo dodatne smernice glede sprememb v zvezi z XML standardi .
In addition , it should be ensured that the implementation of the XML standard is carried out in the same manner , irrespective of the implementing country , banking community or individual bank .
Treba je tudi zagotoviti , da implementacija standardov XML poteka na enak način v vseh državah , bančnih skupnostih in posameznih bankah .
The EPC is invited to ensure that problems in this field are addressed , and that full explanations are always provided to users .
EPC naj obravnava težave na tem področju ter zagotovi , da imajo uporabniki vedno na voljo izčrpna pojasnila .
1.4 ADDITIONAL OPTIONAL SERVICES
1.4 DODATNE OPCIJSKE STORITVE
NO PERPETUATED OR RENEWED FRAGMENTATION DUE TO ADDITIONAL OPTIONAL SERVICES These different types of additional optional services can have widely different repercussions for the success of SEPA .
vrednost osrednjim plačilnim storitvam .
Some such services , such as e-invoicing or e-reconciliation , are considered helpful in driving innovation and in fostering more efficient payment services , as they add value to the core payments .
Druge dodatne opcijske storitve , katerih namen je zgolj ohranjati nacionalne posebnosti , predstavljajo tveganje , da se razdrobljenost evropske plačilne pokrajine na posamezne nacionalne trdnjave nadaljuje .
Other additional optional services , aimed solely at preserving national specificities , bear the risk of perpetuating a fragmentation of the European payments landscape into national strongholds .
To bi bilo ravno nasprotno od ciljev SEPA , zato se je treba temu izogniti .
This would be the exact opposite of what SEPA aims to achieve , and must therefore be avoided . The Eurosystem requests the EPC to find the common denominator in these national additional optional services and to incorporate them as far as possible in a harmonised way in the upcoming upgrades of the SCT and the SDD Rulebooks .
Eurosistem poziva EPC , da za te nacionalne dodatne opcijske storitve poišče skupni imenovalec in jih na čimbolj usklajen način vključi v naslednje dopolnitve Pravilnika za kreditna plačila in Pravilnika za direktne obremenitve .
PRINCIPLES FOR SETTING UP ADDITIONAL OPTIONAL SERVICES The Eurosystem believes that the use of inventive additional optional services should be welcomed , as they are vital for fostering innovation .
NAČELA ZA OBLIKOVANJE DODATNIH OPCIJSKIH STORITEV Po mnenju Eurosistema je uporaba inovativnih dodatnih opcijskih storitev dobrodošla , saj so te storitve ključne za spodbujanje inovacij .
The key task for the payment services industry in this field will be to find the right balance between the conflicting forces of fostering innovation and adding value , on the one hand , and preserving fragmentation , on the other .
Ključna naloga sektorja plačilnih storitev na tem področju bo poiskati pravo ravnotežje med nasprotujočimi učinki spodbujanja inovacij in dodajanja vrednosti na eni strani ter ohranjanja razdrobljenosti na drugi .
The EPC has addressed the risk of fragmentation by stipulating that additional optional services must comply with three principles : ( i ) an additional optional service should not compromise the interoperability of the SEPA schemes ;
EPC je za odpravo tveganja razdrobljenosti določil , da morajo dodatne opcijske storitve izpolniti tri načela : ( i ) dodatna opcijska storitev ne sme ogroziti interoperabilnosti SEPA shem ;
( ii ) transparency should apply ;
( ii ) veljati mora načelo preglednosti ;
and ( iii ) they should evolve on the basis of market needs ( in this regard , the EPC may incorporate commonly used additional optional services into the SEPA schemes ) .
in ( iii ) razvijati se morajo na podlagi potreb trga ( v tej zvezi lahko EPC splošno uporabljene dodatne opcijske storitve vključi v SEPA sheme ) .
The Eurosystem supports the three principles defined by the EPC .
Eurosistem podpira ta tri načela , ki jih je določil EPC .
In order to ensure a competitive , forwardlooking and innovative SEPA , the banking
Z namenom vzpostaviti konkurenčno , napredno in inovativno območje SEPA mora bančni sektor zagotoviti , da so vse dodatne opcijske storitve popolnoma pregledne .
COMPLEMENTING CORE SEPA SCHEMES WITH ADDITIONAL FEATURES Additional optional services potentially comprise a large variety of different services that add features to the core SEPA payment schemes defined by the EPC .
DOPOLNJEVANJE OSREDNJIH SEPA SHEM Z DODATNIMI ZNAČILNOSTMI Dodatne opcijske storitve potencialno obsegajo široko paleto različnih storitev , ki z dodatnimi značilnostmi dopolnjujejo osrednje SEPA plačilne sheme , kot jih je opredelil EPC .
These additional optional services , which are to be found mainly in the customer-to-bank and bank-to-customer domain , can range from rules on how to comply with regulatory requirements ( e.g. balance of payments reporting requirements ) to complementing core SEPA schemes in order to satisfy end-users » needs , and to adding innovative features to the core SEPA schemes ( e.g. e-invoicing and e-reconciliation ) .
Te dodatne opcijske storitve , ki večinoma sodijo v domeno komitent-banka in banka-komitent , lahko segajo od pravil glede upoštevanja regulatornih zahtev ( na primer zahteve iz naslova poročanja statistike za plačilno bilanco ) do dopolnitve osrednjih SEPA shem z namenom zadovoljiti potrebe končnih uporabnikov in do dodajanja inovativnih značilnosti osrednjim SEPA shemam ( na primer elektronsko izdajanje računov in elektronsko usklajevanje ) .
Furthermore , it is expected that additional optional services will be used by national banking communities to complement the core SEPA schemes with national specificities , so as to ease the changeover for customers from existing national formats to the new SEPA formats .
Poleg tega se pričakuje , da bodo nacionalne bančne skupnosti uporabljale dodatne opcijske storitve z namenom dopolniti osrednje SEPA sheme z nacionalnimi posebnostmi , s čimer bi strankam olajšali prehod s sedanjih nacionalnih formatov na nove SEPA formate . NOBENE NADALJNJE ALI PONOVNE RAZDROBLJENOSTI ZARADI DODATNIH OPCIJSKIH STORITEV Te različne vrste dodatnih opcijskih storitev imajo lahko zelo različne posledice za uspeh SEPA .
ECB Single Euro Payment Area ( SEPA ) July 2007 industry should ensure that all additional optional services are fully transparent .
ECB Enotno območje plačil v eurih ( SEPA ) julij 2007