natgillin/translations-raw huggingface dataset:
By publishing these expectations , the Eurosystem would like to reinforce its strong commitment to SEPA and the need -- in order to become as successful as other major European projects ( e.g. the euro cash changeover ) -- SEPA has to be backed not only by the banking industry , but by all stakeholders which are part of the payment value chain . However , the banking community has been in the driving seat since the start of the project and will continue to be so .
Z objavo teh priporočil želi Eurosistem ponovno izraziti svojo trdno zavezanost projektu SEPA in poudariti , da ga mora -- če naj bo enako uspešen kot drugi veliki evropski projekti ( npr . uvedba eurske gotovine ) -- podpreti ne le bančni sektor , temveč vsi deležniki , ki sestavljajo vrednostno verigo plačil .
Therefore , the Eurosystem has paid specific attention to this particular stakeholder group in this document and the annexed template .
Vseeno ostaja dejstvo , da je od vsega začetka za krmilom projekta sedela bančna skupnost in bo tam ostala tudi v prihodnje .
As we move forward toward a fully-fledged SEPA , the validity of the expectations formulated in this document will be examined by the Eurosystem from time to time , and the expectations will be updated if necessary . Therefore , the Eurosystem welcomes any feedback regarding these expectations from any type of stakeholder .
Tej skupini deležnikov je v tem dokumentu in priloženem obrazcu Eurosistem zato namenil posebno pozornost . Na poti k vzpostavitvi polno delujočega območja SEPA bo Eurosistem občasno preverjal primernost pričakovanj iz tega dokumenta in jih po potrebi spremenil in dopolnil .
11 For possible exemptions regarding three-party card schemes , see the sixth progress report on SEPA ( Section 2.3 ) .
Zato bo vesel vsakršne povratne informacije o teh pričakovanjih , ki jo bo prejel od katere koli skupine deležnikov .
ANNEX EUROSYSTEM' S EXPECTATIONS FOR SEPA PROVIDERS SELF-ASSESSMENT [ name of the bank or payment institution ] SELF-ASSESSMENT TEMPLATE FOR BANKS AND PAYMENT INSTITUTIONS [ name of the bank or payment institution ] 1 .
PRILOGA PRIČAKOVANJA EUROSISTEMA DO PONUDNIKOV SEPA SAMOOCENA [ ime banke ali plačilne institucije ] OBRAZEC ZA SAMOOCENO BANK IN PLAČILNIH INSTITUCIJ [ ime banke ali plačilne institucije ] 1 .
ensures its operational capability to send and receive SEPA payments by : a ) adhering to the SEPA credit transfer rulebook and being a participant in the SEPA credit transfer scheme ( only applicable if such business is conducted ) ;
Zagotavljamo operativne zmogljivosti za pošiljanje in sprejemanje plačil SEPA tako , da : a ) upoštevamo pravilnik SEPA za kreditna plačila in smo udeleženka v shemi kreditnih plačil SEPA ( velja samo , če se takšni posli izvajajo ) .
12 YES Comments : NO
12 DA Komentar : NE
BACKGROUND INFORMATION The Eurosystem 's expectations are not formal or legally binding requirements for a SEPA provider ( i.e. a bank or a payment institution ) .
IZHODIŠČA Pričakovanja Eurosistema niso formalne ali pravno zavezujoče zahteve do ponudnikov SEPA ( tj . bank ali plačilnih institucij ) .
Rather , the aim is that the expectations published by the Eurosystem provide a benchmark to ensure that providers can aim to fulfil the Eurosystem 's more comprehensive expectations and not only adhere to the relevant rulebooks and frameworks .
Njihov cilj je , da bi pričakovanja Eurosistema predstavljala merilo primerjave , s čimer bi zagotovili , da si ponudniki prizadevajo izpolniti celovitejša pričakovanja Eurosistema in ne da zgolj upoštevajo ustrezne pravilnike in okvire .
The Eurosystem will not assess whether SEPA providers fulfil these expectations , but providers are invited ( not legally required ) to assess their operations against the criteria and recommendations on a regular basis and to publish the results .
Eurosistem ne bo ocenjeval , ali ponudniki SEPA izpolnjujejo ta pričakovanja , vendar so ponudniki naprošeni ( ne pa pravno zavezani ) , da svoje operacije redno in samostojno ocenijo na podlagi kriterijev in priporočil ter objavijo rezultate .
It is not expected that banks and payment institutions which are currently not active in a specific product type will need to offer the corresponding product type within SEPA .
Ni predvideno , da bi morale banke in plačilne institucije , ki trenutno niso aktivne pri določeni vrsti produktov , ponujati te vrste produktov v okviru SEPA .
Therefore , SEPA expectations relate only to products a bank or payment institution already offers in legacy euro instruments .
Pričakovanja SEPA se zato nanašajo samo na produkte , ki jih banka ali plačilna institucija že ponuja kot stare eurske instrumente .
Providers are free to choose not to offer a product type which they do not provide already for legacy euro instruments , and yet they can still fulfil the expectations .
Ponudniki se lahko prosto odločijo , da ne bodo ponujali tiste vrste produktov , ki jih ne ponujajo že kot stare eurske instrumente , vendar lahko vseeno izpolnijo pričakovanja .
b ) adhering to the SEPA direct debit rulebook ( s ) and being a participant in the SEPA direct debit scheme ( only applicable if such business is conducted ) ;
b ) upoštevamo pravilnik oz . pravilnike SEPA za direktne obremenitve in smo udeleženka v shemi direktnih obremenitev SEPA ( velja samo , če se takšni posli izvajajo ) .
13 YES Comments : NO
13 DA Komentar :
12 This means that the Eurosystem expects a bank / payment institution that offers , for instance , a legacy credit transfer solution for euro payments to also offer SEPA credit transfers .
12 To pomeni , da Eurosistem pričakuje , da bo banka / plačilna institucija , ki na primer ponuja staro rešitev za kreditna plačila v eurih , ponujala tudi kreditna plačila SEPA .
13 This means that the Eurosystem expects a bank / payment institution that offers , for instance , a legacy direct debit solution for euro payments to also offer SEPA direct debits ( once available ) .
13 To pomeni , da Eurosistem pričakuje , da bo banka / plačilna institucija , ki na primer ponuja staro rešitev za direktne obremenitve v eurih , ponujala tudi direktne obremenitve SEPA ( ko bodo na voljo ) .
c ) listing all operational BIC8 or BIC11 14 used for payment services in at least one CSM directory that provides full SEPA reachability ;
c ) smo navedli vse operativne kode BIC8 ali BIC1114 , ki se uporabljajo pri plačilnih storitvah , vsaj v enem registru klirinškoporavnalnega mehanizma , ki zagotavlja polno dosegljivost znotraj SEPA .
YES Comments : NO
DA Komentar : NE
YES Comments :
DA Komentar : NE
NO d ) aligning business processes and affected software with the provisions of the relevant EPC rulebooks , and successfully testing the solutions and introducing them into the live environment ;
d ) smo poslovne procese in zadevno programsko opremo uskladili z določbami ustreznih pravilnikov EPC , smo uspešno testirali rešitve in jih uvedli v živo okolje ;
f ) not offering conversion services which result in a loss of data .
f ) ne ponujamo pretvorbenih storitev , ki bi privedle do izgube podatkov .
Except for cases in which the payee explicitly asks that not all information be forwarded , full data are provided to the payee .
Prejemniku plačila posredujemo vse podatke , razen v primerih , kjer prejemnik plačila izrecno prosi , da ne posredujemo vseh informacij .
After the SEPA migration end-date ( once defined ) , the offering of any conversion service in the interbank space will cease ;
Po preteku roka za migracijo na SEPA ( ko bo opredeljen ) mora ponujanje kakršnih koli pretvorbenih storitev v medbančnem prostoru prenehati .
e ) offering the use of SEPA standards in the customer-to-bank and bank-tocustomer field 15 ( as developed by the EPC , but currently only recommended for optional use ) , at least in addition to legacy standards and -- if useful -- liaising with the customers » software providers in order to contribute to customers » migration to SEPA payment instruments ;
e ) ponujamo uporabo standardov SEPA v domeni komitent-banka in banka-komitent 15 ( kot jih je razvil EPC , vendar so trenutno priporočeni le kot možnost ) vsaj poleg starih standardov ter , če je koristno , sodelujemo s ponudnikom programske opreme stranke , da bi prispevali k migraciji stranke na plačilne instrumente SEPA .
offers SEPA instruments to users that correspond to instruments already offered in the form of legacy euro payment instruments .
Uporabnikom ponujamo instrumente SEPA , ki ustrezajo instrumentom , ki jih sicer ponujamo kot stare eurske plačilne instrumente .
16 The SEPA instruments are available for sending and receiving domestic and cross-border payments within SEPA .
16 Instrumenti SEPA so na voljo za pošiljanje in sprejemanje domačih in čezmejnih plačil znotraj SEPA .
14 BIC11 is only necessary if payments addressed to the generic BIC8 plus any branch code -- including « XXX » -- cannot be processed .
14 Koda BIC11 je potrebna le , če plačila , naslovljena na generično kodo BIC8 s kodo podružnice -- skupaj z „XXX » -- ne morejo biti obdelana .
15 It is assumed that the same standards will be recommended for communication by payment institutions .
15 Predvideno je , da bodo enaki standardi priporočeni pri komuniciranju s plačilnimi institucijami .
16 The Eurosystem expects not only that a payment instrument offered in the legacy format will also be offered in the SEPA format , but also that the same service level will be guaranteed .
16 Eurosistem ne pričakuje samo , da bo plačilni instrument v starem formatu ponujen tudi v formatu SEPA , ampak tudi , da bo zagotovljena enaka raven storitve .
If this is not possible with the core SEPA format , AOSs should be introduced in accordance with the EPC 's guidelines .
Če to ne bo mogoče v osrednjem formatu SEPA , bi morali uvesti dodatne opcijske storitve v skladu s smernicami EPC .
By fulfilling these expectations , we are operationally ready to process ( relevant ) SEPA instruments .
Z izpolnjevanjem teh pričakovanj smo operativno pripravljeni , da obdelujemo ( ustrezne ) instrumente SEPA .
We also make these instruments available for active use by our customers .
Te instrumente nudimo strankam , da jih aktivno uporabljajo .
NO
iii .
iii ) offering services which allow customers to effect payments containing only the IBAN ( i.e. without the BIC ) ;
ponuja storitve , ki strankam omogočajo , da izvršujejo plačila samo s številko IBAN ( tj . brez kode BIC ) ;
In addition , we observe the Eurosystem 's recommendations that a bank / payment institution : a ) make the SEPA instruments attractive to customers by : i ) making SEPA payment instruments the default option for domestic and cross-border transactions within SEPA thereby replacing legacy euro payment instruments ;
Poleg tega upoštevamo priporočila Eurosistema , da banka / plačilna institucija : a ) strankam približa instrumente SEPA tako , da : i. plačilne instrumente SEPA ponudi kot izhodiščno možnost pri domačih in čezmejnih transakcijah znotraj SEPA in s tem nadomesti stare eurske plačilne instrumente ;
iv ) working to improve the SEPA instruments in order to meet user requirements and demands by establishing AOSs , supporting the transformation of successful community AOSs into SEPA-wide AOSs and implementing products based on the e-SEPA initiative and future frameworks such as « SEPA online payments » and « SEPA mobile payments » ( once available ) ;
iv . se trudi izboljšati instrumente SEPA s ciljem zadovoljiti potrebe in zahteve uporabnikov s tem , da vzpostavlja dodatne opcijske storitve , podpira pretvorbo uspešnih dodatnih opcijskih storitev v posamezni skupnosti v storitve z dosegom v celotnem območju SEPA , da uvaja produkte na podlagi pobude e-SEPA in prihodnjih okvirov , kot so „spletna plačila SEPA » in „mobilna plačila SEPA » ( ko bodo na voljo ) ;
YES Comments : NO
DA Komentar : NE ii .
ii ) making services that are available for legacy payments ( e.g. internet banking and the ability to register recurring or standing orders ) available for the SEPA instruments as well ; 14
storitve , ki so na voljo pri starih plačilih ( npr . internetno bančništvo in sposobnost registriranja ponavljajočih in trajnih nalogov ) , ponuja tudi pri instrumentih SEPA ;
b ) actively inform customers about SEPA by : i ) dedicating an area on the bank 's / payment institution 's website to SEPA and providing additional information for customers ;
b ) aktivno informira stranke o SEPA tako , da : i. na spletni strani banke / plačilne institucije namenja prostor projektu SEPA in strankam zagotavlja dodatne informacije ;
NO c ) observe the Eurosystem 's SEPA policy by : i ) using an infrastructure ( if relevant ) that has undergone a self-assessment against the relevant ToR for infrastructures , that has published the results and that observes the ToR in accordance with this self-assessment ;
c ) upošteva politiko Eurosistema o SEPA tako , da : i. uporablja infrastrukturo ( če je predvideno ) , ki je opravila samooceno na podlagi ustreznega referenčnega okvira za infrastrukture , objavila rezultate in upošteva referenčni okvir v skladu s samooceno ; DA Komentar : NE
ii ) clearly describing the benefits of SEPA for different types of user ;
različnim vrstam uporabnikov jasno razloži prednosti SEPA ; DA Komentar : NE ii .
YES Comments : NO YES Comments : NO
ponuja klirinške in poravnalne storitve ( če je predvideno ) na podlagi veljavnih načel iz referenčnega okvira za infrastrukture . DA Komentar : NE
iii ) making the BIC ( for as long as it is a required identifier in SEPA ) and the IBAN easily available to its customers ( e.g. inserting it in an obvious place on the bank account statement , in the internet banking interface and on cards -- provided there are no legal obstacles ) ; ii ) offering clearing and settlement services ( if relevant ) based on the applicable principles from the ToR for infrastructures .
strankam omogoča preprost dostop do kode BIC ( če bo v SEPA potrebna kot označba ) in številke IBAN ( npr . da jih umešča na vidno mesto na bančnem izpisku o stanju na računu , na vmesnik spletne banke in na kartice -- pod pogojem , da ni nobenih pravnih omejitev ) ;
Details of the person to be contacted in case of questions :
Podatki o osebi , s katero lahko v primeru vprašanj stopite v stik :
ABBREVIATIONS SEPA SCT SDD CSM IBAN BIC AOS Single Euro Payments Area SEPA credit transfer SEPA direct debit clearing and settlement mechanism International Bank Account Number Bank Identifier Code additional optional service
KRATICE SEPA IBAN BIC enotno območje plačil v eurih mednarodna številka bančnega računa identifikacijska koda banke
© European Central Bank , 2009 Address : Kaiserstrasse 29 , 60311 Frankfurt am Main , Germany Postal address : Postfach 16 03 19 , 60066 Frankfurt am Main , Germany Telephone : + 49 69 1344 0 ;
© Evropska centralna banka , 2009 Naslov : Kaiserstrasse 29 , 60311 Frankfurt am Main , Nemčija Poštni naslov : Postfach 16 03 19 , 60066 Frankfurt am Main , Nemčija Telefon : + 49 69 1344 0 ;
Fax : + 49 69 1344 6000 All rights reserved .
Faks : + 49 69 1344 6000 Vse pravice so pridržane .
ISBN 978-92-899-0383-7 ( online ) ECB Eurosystem 's SEPA expectations March 2009
ISSN 978-92-899-0438-4 ( elektronska izdaja ) ECB SEPA : Pričakovanja Eurosistema marec 2009
Navigation Path : Home &gt; Publications &gt; Monthly Bulletin &gt; Editorials &gt; 2008 &gt; 9 October 2008
Navigation Path : Home &gt; Publications &gt; Monthly Bulletin &gt; Editorials &gt; 2008 &gt; 9 . oktober 2008
EDITORIAL 9 October 2008 - Monthly Bulletin
9 . oktober 2008 - Mesečni bilten
Decisions of 8 October 2008
Sklepi z dne 8 . oktobra 2008
This issue of the Monthly Bulletin was finalised before the Governing Council 's decision to cut the key ECB interest rates and to change the tender procedure and the standing facilities corridor on 8 October 2008 . The press releases referring to that decision are as follows :
Oktobrska izdaja Mesečnega biltena je bila dokončana , preden je Svet ECB sprejel odločitev , da 8 . oktobra 2008 zniža ključne obrestne mere ECB ter spremeni avkcijski postopek in koridor odprtih ponudb .
Monetary policy decisions
Sklepi o denarni politiki
The recent intensification of the financial crisis has augmented the downside risks to growth and thus has diminished further the upside risks to price stability .
Zaradi nedavne poglobitve finančne krize so se povečala tveganja upočasnitve rasti , s čimer so se dodatno zmanjšala tudi tveganja za stabilnost cen .
The Governing Council of the ECB , by means of teleconferencing , has taken the following monetary policy decisions :
Svet ECB je prek telekonference sprejel naslednje sklepe o denarni politiki :
The minimum bid rate on the main refinancing operations of the Eurosystem will be reduced by 50 basis points to 3.75% , with effect from the main refinancing operation to be settled on 15 October 2008 .
izklicna obrestna mera za operacije glavnega refinanciranja Eurosistema se zmanjša za 50 bazičnih točk na 3,75% in začne veljati z operacijo glavnega refinanciranja , ki bo poravnava 15 . oktobra 2008 ;
The interest rate on the marginal lending facility will be reduced by 50 basis points to 4.75% , with immediate effect .
obrestna mera za odprto ponudbo mejnega posojila se zmanjša za 50 bazičnih točk na 4,75% in začne veljati takoj ;
The interest rate on the deposit facility will be reduced by 50 basis points to 2.75% , with immediate effect .
obrestna mera za odprto ponudbo mejnega depozita se zmanjša za 50 bazičnih točk na 2,75% in začne veljati takoj .
Changes in tender procedure and in the standing facilities corridor
Spremembe v avkcijskem postopku in v koridorju odprtih ponudb
The Governing Council of the European Central Bank ( ECB ) today decided , by means of a teleconference , on the following two measures :
Svet Evropske centralne banke ( ECB ) se je danes prek telekonference odločil , da sprejme naslednja dva ukrepa .
As from the operation settled on 15 October , the weekly main refinancing operations will be carried out through a fixed-rate tender procedure with full allotment at the interest rate on the main refinancing operation , i.e. currently 3.75% .
Z operacijo , poravnano 15 . oktobra , se bodo operacije glavnega refinanciranja izvajale v obliki avkcij s fiksno obrestno mero in s polno dodelitvijo po obrestni meri za operacije glavnega refinanciranja , ki trenutno znaša 3,75% .
As of 9 October , the ECB will reduce the corridor of standing facilities from 200 basis points to 100 basis points around the interest rate on the main refinancing operation .
Z 9 . oktobrom bo ECB zožila koridor odprtih ponudb z 200 na 100 bazičnih točk okrog obrestne mere za operacije glavnega refinanciranja .
The ECB will continue to steer liquidity towards balanced conditions in a way which is consistent with the objective to keep short-term rates close to the interest rate on the main refinancing operation . Editorial
ECB bo še naprej uravnavala likvidnost v smeri uravnoteženih razmer na način , ki je skladen s ciljem , da kratkoročne obrestne mere ostanejo blizu obrestni meri za operacije glavnega refinanciranja .
[ 1 ] On the basis of its regular economic and monetary analyses , at its meeting on 2 October the Governing Council decided to leave the key ECB interest rates unchanged .
[ 1 ] Svet ECB je na seji 2 . oktobra 2008 na podlagi redne ekonomske in denarne analize sklenil , da pusti ključne obrestne mere ECB nespremenjene .
The Governing Council discussed extensively the recent intensification of the financial market turmoil and its possible impact on economic activity and inflation , recognising the extraordinarily high level of uncertainty stemming from latest developments .
Svet je obširno razpravljal o nedavni krepitvi pretresov na finančnih trgih in o morebitnem vplivu na gospodarsko aktivnost in inflacijo ter ugotovil , da je negotovost zaradi novejših gibanj izjemno velika .
In this context , the Governing Council stressed the crucial importance of keeping inflation expectations firmly anchored in line with its objective of price stability .
Ob tem je poudaril , da je ključnega pomena ohranjati inflacijska pričakovanja trdno zasidrana na ravni , ki je skladna s ciljem cenovne stabilnosti .
Price stability fosters an efficient allocation of resources , contains inflation risk premia and longer-term financing costs , and preserves the purchasing power of the euro .
Stabilnost cen spodbuja učinkovito razporejanje virov , znižuje premije za inflacijsko tveganje in stroške dolgoročnejšega financiranja ter ohranja kupno moč eura .
In so doing , it supports sustainable growth and employment and contributes to financial stability . The most recent data clearly confirm that economic activity in the euro area is weakening , with dampened domestic demand and tighter financing conditions .
S tem podpira vzdržno rast in zaposlenost ter prispeva k finančni stabilnosti . Najnovejši podatki nedvomno kažejo , da se gospodarska aktivnost v euroobmočju upočasnjuje , pri čemer je domače povpraševanje oslabljeno , pogoji financiranja pa so zaostreni .
At the same time , the Governing Council recognised that annual inflation rates are likely to remain well above levels consistent with price stability for some time .
Obenem je Svet ECB potrdil , da bo medletna stopnja inflacije verjetno še nekaj časa ostala precej nad ravnijo , ki je skladna s cenovno stabilnostjo .
With the weakening of demand , upside risks to price stability have diminished somewhat , but they have not disappeared .
Z upadanjem povpraševanja so se navzgor usmerjena tveganja za stabilnost cen nekoliko zmanjšala , vendar še niso izginila .
While the still strong underlying pace of monetary expansion points to upside risks to price stability over the medium term , the growth of broad money and credit aggregates is showing some further signs of moderation .
Medtem ko še vedno močna osnovna dinamika rasti denarja opozarja na navzgor usmerjena tveganja za cenovno stabilnost v srednjeročnem obdobju , rast širokega denarja in kreditnih agregatov kaže nekaj dodatnih znakov umirjanja .
Against this background , the Governing Council stressed that it remains imperative to avoid broad-based second-round effects in price and wage-setting and called upon all parties concerned to meet their responsibilities in the face of the current exceptional challenges .
V takšnih razmerah Svet ECB poudarja , da je še naprej nujno preprečiti obsežnejše sekundarne učinke pri oblikovanju cen in plač , ter vse udeležene strani poziva , da pri sedanjih izjemno velikih izzivih prevzamejo svoj del odgovornosti .
Accordingly , the Governing Council confirmed its determination to secure price stability in the medium term and that it will continue to monitor very closely all developments over the period ahead .
Svet ECB je zato potrdil svojo odločenost , da zagotovi stabilnost cen v srednjeročnem obdobju in da bo v prihodnjem obdobju še naprej zelo natančno spremljal vsa gibanja .
When analysing current developments in economic activity , it needs to be stressed that the current situation brings with it an extraordinarily high degree of uncertainty , in large part stemming from the recent intensification of the financial market turmoil .
Pri analiziranju trenutnih gibanj v gospodarski aktivnosti je treba poudariti , da sedanje razmere prinašajo izjemno veliko negotovost , ki večinoma izhaja iz nedavne krepitve pretresov na finančnih trgih .
This complicates any assessment of the near to medium-term economic prospects .
To otežuje vsakršno oceno kratkoročnih do srednjeročnih gospodarskih možnosti .
As the world economy as a whole is feeling the adverse effects of the intensified and prolonged financial market turmoil , the most recent data clearly confirm that economic activity in the euro area is weakening , with dampened domestic demand and tighter financing conditions .
Medtem ko je celotno svetovno gospodarstvo pod vplivom neugodnih učinkov okrepljenih in dolgotrajnih pretresov na finančnih trgih , najnovejši podatki nedvomno kažejo , da se gospodarska aktivnost v euroobmočju upočasnjuje , pri čemer je domače povpraševanje oslabljeno , pogoji financiranja pa so zaostreni .