natgillin/translations-raw huggingface dataset:
These services range from invoicing to reconciliation services and help to ensure the end-to-end straight-through processing ( STP ) of all payments .
Te storitve segajo od izdajanja računov do usklajevanja in prispevajo k avtomatizirani obdelavi plačil od začetka do konca pri vseh plačilih .
This reduces the cost of making and receiving www.eact.eu payments , as payments are effected without paper or manual intervention .
To znižuje stroške izdajanja in prejemanja plačil , saj se ta izvajajo www.eact.eu nepapirno in brez ročnega posega .
Corporate treasurers are represented by the European Association of Corporate Treasurers ( EACT ) .
Finančne direktorje podjetij zastopa Evropsko združenje poslovnih finančnikov ( EACT ) .
G o ve r n m e n t s a n d p u b l i c administrations make substantial payments on both a national and a cross-border level in areas such as pensions , social security and taxation .
Vlade in javne uprave opravljajo na področjih , kot so pokojnine , socialno varstvo in davki , velika plačila tako znotraj države kot tudi na čezmejni ravni .
A firm commitment is therefore required from public administrations .
Zato je pomembno , da so trdno zavezane ciljem SEPA .
The Economic and Financial Affairs Council ( the ECOFIN Council ) has repeatedly expressed its strong support for the creation of SEPA . www.consilium.europa.eu
Ekonomsko-finančni svet je že večkrat poudaril , da odločno podpira vzpostavitev SEPA .
For example , it proposed the Payment Services Directive ( PSD ) , which was approved by the European Parliament and the EU Council in 2007 .
predložila Direktivo o plačilnih storitvah , ki sta jo Evropski parlament in Svet EU potrdila v letu 2007 .
>W H Y S E PA ?
> Z a k a j S E PA ?
Currently , the euro area economy is unable to fully exploit all of the benefits of Economic and Monetary Union .
Gospodarstvo euroobmočja v sedanjih razmerah ne more v celoti izkoristiti prednosti ekonomske in monetarne unije .
Customers face difficulties when making retail payments in euro to other euro area The euro area economy is currently unable to exploit the benefits of the single market countries , as these payments often require different payment formats and are more time-consuming . As long as this is the case , the euro cannot be regarded as a fully implemented single currency .
Stranke imajo težave z eurskimi plačili malih vrednosti v druge Gospodarstvo euroobmočja v sedanjih razmerah ne more v celoti izkoristiti prednosti enotnega trga . države euroobmočja , saj se zanje pogosto uporabljajo različni plačilni formati , njihova obdelava pa je počasnejša .
Despite the introduction of the euro in 1999 and the development of TARGET / TARGET2 , the common large-value payment system for the euro , low-value electronic payments ( i.e. retail payments ) continue to be processed in different ways across the euro area .
Dokler bo tako , ni mogoče reči , da je euro v celoti uveljavljen kot enotna valuta . Kljub uvedbi eura v letu 1999 in razvoju sistema TARGET / TARGET2 , ki je skupni sistem za plačila velikih vrednosti v eurih , se elektronska plačila malih vrednosti v euroobmočju še vedno obdelujejo na različne načine .
Overall , the number and variety of payment instruments , standards and processing infrastructures for retail payments have not changed significantly since the introduction of the euro .
Gledano v celoti se število in raznolikost plačilnih instrumentov , standardov in infrastruktur za procesiranje plačil malih vrednosti od uvedbe eura pravzaprav ni bistveno spremenilo .
In such an environment , companies with a substantial number of cross-border payments therefore have to maintain bank accounts in many of the countries in which they do business .
V takšnem okolju morajo podjetja z večjim številom čezmejnih plačil vzdrževati bančne račune v mnogih državah , v katerih poslujejo .
National legislation further complicates cross-border business , as stakeholders may face different rules and requirements depending on the country with which they are doing business .
Čezmejno poslovanje dodatno otežujejo nacionalne zakonodaje , saj se pravila in zahteve razlikujejo od države do države .
This fragmentation affects not only cross-border payments , but also national euro payments , as it prevents innovation and competition at the euro area level .
Takšna razdrobljenost ne otežuje le čezmejnih plačil , ampak tudi nacionalna plačila v eurih , saj preprečuje inovacije in konkurenco na ravni euroobmočja .
The creation of a single market will allow innovation to increase irrespective of national borders .
Z vzpostavitvijo enotnega trga se bo inovativnost povečala ne glede na državne meje .
The fragmented European retail payment markets will progressively be replaced by a complete and competitive euro area market The goal of SEPA is thus to create an integrated , competitive and innovative retail payment market for all non-cash euro payments , with such payments eventually being conducted entirely electronically .
Cilj SEPA je torej oblikovati povezan , Razdrobljeni evropski trg plačil malih vrednosti se bo postopno umaknil celovitemu in konkurenčnemu trgu euroobmočja . konkurenčen in inovativen trg plačil malih v re d n o s t i z a v s a n e g o t ov i n s k a p l a č i l a v eurih , ki bodo sčasoma potekala popolnoma elektronsko .
SEPA will thereby benefit all customers .
To pomeni , da bo SEPA koristna za vse stranke .
>B A N K I N G I N D U S T RY I N I T I AT I V E S In the move towards SEPA , the banking industry has focused mainly on the development of SEPA payment instruments .
> P O B U D E B A N Č N E G A S E K TO R JA Na poti k vzpostavitvi SEPA je bančni sektor doslej največ pozornosti namenjal razvoju plačilnih instrumentov SEPA .
First , the industry developed new payment schemes for credit transfers and direct debits , as well as formulating a framework for card payments .
Prvič , razvil je novi plačilni shemi za kreditna plačila in direktne obremenitve ter oblikoval okvir za kartična plačila .
Second , it identified principles for the underlying processing infrastructures and addressed standardisation issues .
In drugič , opredelil je načela za temeljno infrastrukturo procesiranja plačil in obravnaval vprašanja standardizacije .
These steps helped to facilitate the implementation of the new common payment instruments in the euro area .
S tema korakoma je olajšal uvedbo novih enotnih plačilnih instrumentov v euroobmočju .
While originally that work focused primarily on the bank-to-bank domain , in 2008 the banking industry started to look at how to improve the handling of payments between customers and banks ( i.e. the customer-to-bank and bank-to-customer domains ) .
Medtem ko se je v začetku osredotočal predvsem na domeno banka-banka , se je v letu 2008 lotil vprašanja , kako bi bilo mogoče izboljšati obdelavo plačil med strankami in bankami , torej v domenah stranka-banka in banka-stranka .
The new payment instruments offered to customers by the banking industry will be based on a new set of rules , practices and standards for euro payments .
Novi plačilni instrumenti , ki jih bo bančni sektor nudil svojim strankam , bodo temeljili na novem sklopu pravil , praks in standardov za plačila v eurih .
The EPC has designed rulebooks for the SEPA credit transfer scheme and the SEPA direct debit schemes -- as well as a framework for SEPA card payments -- within which banks can develop SEPA payment products .
EPC je oblikoval pravilnika za shemi kreditnih plačil in direktnih obremenitev SEPA ter okvir za kartična plačila SEPA , na podlagi katerih lahko banke razvijajo svoje plačilne produkte SEPA .
With regard to credit transfers and direct debits , new common schemes have been designed that allow customers to send / receive euro transfers to / from any counterpart in the euro area .
Na področju kreditnih plačil in direktnih obremenitev sta bili oblikovani novi enotni shemi , ki strankam omogočata , da plačila v eurih pošiljajo kateremu koli prejemniku v euroobmočju oziroma jih od njega prejemajo .
These schemes are defined in rulebooks covering the rules , practices and standards applicable to such euro payments .
Ti shemi sta opisani v pravilnikih , ki zajemata pravila , prakse in standarde , ki se uporabljajo za takšna eurska plačila .
For card payments , an « adaptation » strategy has been chosen to allow existing schemes and their operator ( s ) to adjust to a new set of business and technical standards and processes .
Za kartična plačila je bila izbrana » prilagoditvena « strategija , ki obstoječim shemam in njihovim upravljavcem oziroma upravljavcu omogoča prilagoditev na nov sklop poslovnih in tehničnih standardov in postopkov .
The EPC has established a framework that explains how card schemes ( as well as card issuers , acquirers and operators ) need to adapt their current operations to comply with the SEPA principles for card payments in euro .
EPC je oblikoval okvir , ki pojasnjuje , kako morajo kartične sheme ( kot tudi izdajatelji kartic , pridobitelji in upravljavci ) prilagoditi svoje sedanje dejavnosti , da bodo skladne z načeli SEPA za kartična plačila v eurih .
A core feature of the new payment instruments is a clear distinction between schemes ( i.e. rules , practices and standards ) and infrastructures .
Glavna značilnost novih plačilnih instrumentov je jasno razlikovanje med shemami ( tj . pravili , praksami in standardi ) in infrastrukturami .
This will allow any infrastructure to process SEPA payments .
Zahvaljujoč temu razlikovanju bo plačila SEPA lahko procesirala vsaka infrastruktura .
Financial institutions are responsible for the quality of their SEPA products and are free to offer their customers improved products , as long as they are in line with the various schemes and frameworks .
Finančne institucije so odgovorne za kakovost svojih produktov SEPA in lahko strankam nudijo tudi izboljšane produkte , če so ti skladni z ustreznimi shemami in okviri .
The infrastructures handle the operational side of the clearing and settlement of euro payments .
Infrastrukture zagotavljajo operativno stran kliringa in poravnave plačil v eurih .
The EPC has defined a framework that clarifies the rules and procedures to be followed by infrastructure providers ( i.e. ACHs , card scheme processors and other processors that handle , transfer and exchange payment-related information for financial institutions ) .
EPC je pripravil okvir , v katerem je pojasnil pravila in postopke , ki jih morajo spoštovati ponudniki infrastrukture , tj . avtomatizirane klirinške hiše , procesni centri za kartične sheme in drugi procesni centri , ki za finančne institucije obdelujejo , prenašajo in izmenjujejo informacije v zvezi s plačili .
Traditionally , these infrastructure providers have been responsible for the management of the rules , practices and standards related to payments made within a countr y , and they also typically offer their processing ser vices to financial institutions .
Tradicionalno so bili ti ponudniki infrastrukture odgovorni za upravljanje pravil , praks in standardov v zvezi s plačili , opravljenimi znotraj države , in so svoje storitve procesiranja običajno nudili tudi finančnim institucijam .
In the new SEPA environment , the rules and standards are defined in the SEPA schemes , which are separated from the processing infrastructures .
V novem okolju SEPA so pravila in standardi opredeljeni v shemah SEPA , ki so ločene od infrastrukture za procesiranje plačil .
This separation will allow infrastructure providers to compete and offer their processing ser vices to any bank or card scheme provider .
To ločevanje bo ponudnikom infrastrukture omogočilo , da med seboj konkurirajo in svoje storitve procesiranja nudijo kateri koli banki ali ponudniku kartične sheme .
STEP2 , the first pan-European automated clearing house , is managed by EB A Clearing .
Prvo vseevropsko avtomatizirano klirinško hišo STEP2 upravlja medbančna klirinška hiša EBA Clearing .
Other European clearing houses , which are represented by EACHA , have developed a framework which facilitates interoperability between different European infrastructures .
Druge evropske klirinške hiše , ki jih zastopa združenje evropskih avtomatiziranih klirinških hiš ( EACHA ) , so razvile okvir , ki omogoča interoperabilnost med različnimi evropskimi infrastrukturami .
This framework should thus allow SEPA credit transfers and direct debits to be sent and received by any customer in Europe .
Ta okvir naj bi tako omogočil , da lahko vsaka stranka v Evropi pošilja in prejema kreditna plačila in direktne obremenitve SEPA .
Ser vices in the customer-to-bank domain On the basis of the SEPA schemes , financial institutions can , either individually or in cooperation with others , design improved products and offer them to their customers .
Storitve v domeni stranka-banka Finančne institucije lahko na osnovi shem SEPA samostojno ali v sodelovanju z drugimi finančnimi institucijami oblikujejo izboljšane produkte in jih ponudijo svojim strankam .
These services must be transparent , and the EPC must be notified once they are operational . In the development of the SEPA schemes and frameworks , the EPC has focused on the bank-to-bank domain .
Te storitve morajo biti pregledne , kar se tiče pogojev in cen , in ko začnejo delovati , mora biti o njih obveščen EPC .
i n t e n s i f i e d i t s wo r k i n t h e c u s t o m e r - t o - b a n k d o m a i n . T h e g o a l is to develop SEPA-wide services that enhance the SEPA payment instruments .
Pri razvoju shem in okvirov SEPA je EPC osrednjo pozornost namenjal domeni banka-banka . Leta 2008 je nato sklenil , da svoj pristop razširi , zato je okrepil dejavnosti v domeni stranka-banka .
Work has started on ser vices which allow customers to initiate SEPA payments at online merchants via their internet banking applications ( i.e. online payment initiation ) or by using their mobile telephones ( i . e .
Njegov cilj je razviti storitve za celotno območje SEPA , ki dopolnjujejo plačilne instrumente SEPA . Delo na tem področju se je začelo s storitvami , ki strankam omogočajo , da opravijo plačila SEPA v spletnih trgovinah preko svoje spletne bančne aplikacije ( spletno plačilo ) ali mobilnega telefona ( mobilno plačilo ) .
m o b i l e p ay m e n t i n i t i a t i o n ) . O t h e r s e r v i c e s a l l ow e l e c t ro n i c confirmation of payments .
Druge storitve omogočajo elektronsko potrditev plačila . Tako je npr .
The e-reconciliation ser vice , for instance , is offered to customers after payment .
po plačilu strankam na voljo storitev elektronskega usklajevanja .
Bills are matched with payments electronically , and the payee 's records are automatically updated .
Računi se elektronsko povežejo s plačili , evidenca prejemnika plačila pa se samodejno posodobi .
The Eurosystem has encouraged the EPC to continue its work on these value-added services .
Eurosistem spodbuja EPC , da dejavnosti na področju teh storitev z dodano vrednostjo nadaljuje .
Outside the EPC , work has started on one of the most frequently used value-added ser vices : electronic invoicing .
Zunaj EPC se je delo začelo pri eni najpogosteje uporabljenih storitev z dodano vrednostjo , namreč pri elektronskem izdajanju računov .
This ser vice is offered to customers before payment .
Ta storitev je strankam na voljo pred plačilom .
Bills are sent directly to the payer 's internet banking application , and once the payer has accepted the bill , an automatic payment instruction is created containing the relevant information on the payer and payee . This work is being under taken by the European Commission 's exper t group on e-invoicing .
Račun se pošlje neposredno v plačnikovo spletno bančno aplikacijo . Ko plačnik račun sprejme , se samodejno izda plačilni nalog , ki vsebuje vse potrebne informacije o plačniku in prejemniku plačila .
The goal is to develop an e-invoicing framework by the end of 2009 .
To delo opravlja izvedenska skupina Evropske komisije za e-račune , katere cilj je okvir za e-račune pripraviti do konca leta 2009 .
Such initiatives are strongly encouraged by the ECB , as combining value-added services with the SEPA payment instruments creates large potential savings for the economy , eliminating paper and achieving end-to-end STP .
ECB tovrstne pobude odločno podpira , saj povezovanje storitev z dodano vrednostjo s plačilnimi instrumenti SEPA za gospodarstvo pomeni možnost velikih prihrankov , ker odpravlja papirno dokumentacijo in omogoča avtomatizirano obdelavo plačil od začetka do konca .
Value-added services offered before payment Processing of the payment
Storitve z dodano vrednostjo , ki so na voljo pred plačilom
Value-added services offered after payment
Storitve z dodano vrednostjo , ki so na voljo po plačilu
E n d - t o - e n d s t r a i g h t - t h ro u g h p ro c e s s i n g
Av t o m a t i z i r a n a o b d e l ava p l a č i l o d z a č e t k a d o ko n c a
>TIMELINE The EPC has planned its timeline for the SEPA project around three main phases : a design phase , an implementation phase and a migration phase .
> Č A S OV N I N AČ RT EPC je projekt SEPA začrtal v treh glavnih fazah : faza načrtovanja , faza vzpostavitve in faza migracije .
T h e E P C « s t i m e t a b l e 01/2004 06/2006 01/2008 11/2009 12/2010 201X
Č a s ov n i o k v i r E v ro p s ke g a s ve t a z a p l a č i l a Jan. 2004 Jun. 2006 Jan. 2008 Nov. 2009 Dec. 2010 201X
Design phase
Faza načrtovanja
Implementation phase
Faza vzpostavitve
Migration phase
Faza migracije
SEPA credit transfers and card payments available SEPA direct debits available
Na voljo so kreditna Na voljo Instrumenti SEPA plačila in kartična so direktne so v splošni rabi plačila SEPA obremenitve SEPA
SEPA instruments generally in use SEPA migration end date
Končni datum migracije na SEPA
The first phase , the design phase , began in 2004 .
Prva faza , faza načrtovanja , se je začela leta 2004 .
This phase involved the design of the new credit transfer and direct debit schemes and the frameworks for cards and clearing and settlement infrastructures .
V njej so bile oblikovane nove sheme za kreditna plačila in direktne obremenitve ter okviri , ki bodo veljali za kartice ter klirinško in poravnalno infrastrukturo .
The necessary standards were developed and security requirements were also specified .
Razviti so bili potrebni standardi in opredeljene varnostne zahteve .
The second phase , the implementation phase , started in mid-2006 and continued until end-2007 .
Načrtovanju je sledila faza vzpostavitve , ki se je začela sredi leta 2006 in nadaljevala do konca leta 2007 .
This phase of the project concentrated on preparations for the rollout of the new SEPA instruments , standards and infrastructures .
V tej fazi je bil poudarek na pripravah na uvedbo novih instrumentov , standardov in infrastruktur SEPA .
Testing exercises were also carried out in this phase .
Opravljena so bila tudi različna testiranja .
The national implementation / migration bodies established in each euro area country assisted by monitoring the various stakeholders » preparations for the rollout of SEPA .
Nacionalni organi za vzpostavitev in migracijo , ustanovljeni v vseh državah euroobmočja , so pomagali s tem , da so spremljali priprave različnih deležnikov na vzpostavitev SEPA .
The stakeholders were very diverse , consisting of a number of parties , such as banks , infrastructure operators , public administrations , companies and other users .
Ti deležniki so bili zelo raznoliki , saj so zajemali veliko število subjektov , od bank in ponudnikov infrastrukture do javnih uprav , gospodarskih družb in drugih uporabnikov .
The final phase is the migration phase , in which national payment schemes will coexist with the new SEPA schemes .
Zadnja je faza migracije , v kateri bodo nacionalne plačilne sheme obstajale vzporedno z novimi shemami SEPA .
Customers will be offered both « old » national and new SEPA instruments , and the clearing and settlement infrastructures will be able to process payments made using both types of instrument .
Strankam bodo na voljo tako » stari « nacionalni instrumenti kot tudi novi instrumenti SEPA , infrastrukture za kliring in poravnavo pa bodo lahko obdelale plačila , ki bodo opravljena z enimi ali drugimi instrumenti .
The goal is to achieve a gradual market-driven migration to SEPA , with a critical mass of transactions migrating by end-2010 .
Cilj je doseči postopno migracijo v SEPA , ki jo bo poganjal trg sam , tako da bi kritična masa transakcij migrirala do konca leta 2010 .
After the migration period , services for sending and receiving euro payments which are based on the current domestic credit transfer and direct debit schemes ( or equivalent schemes ) will no longer be available to customers .
Ko bo migracija končana , storitve za pošiljanje in prejemanje eurskih plačil , ki temeljijo na sedanjih domačih shemah kreditnih plačil in direktnih obremenitev ( ali enakovrednih shemah ) strankam ne bodo več na voljo .
I M PA C T O F S E PA O N S TA K E H O L D E R S
V P L I V S E PA N A D E L E Ž N I K E
The SEPA project will have a major impact on all stakeholders , creating opportunities as well as challenges .
Projekt SEPA bo imel velik vpliv na vse deležnike in prinaša tako priložnosti kot tudi izzive .
SEPA will create more competition by making the euro area an integrated market in which providers can offer their services to the entire euro area . The increased choice of service providers , coupled with economies of scale , will ensure that customers are offered a wider range of competitive payment solutions .
SEPA bo ustvarila močnejšo konkurenco , saj bo euroobmočje pretvorila v notranje povezan trg , v katerem ponudniki svoje storitve lahko nudijo celotnemu euroobmočju . Zaradi večje izbire ponudnikov storitev v povezavi z ekonomijo obsega bodo imele stranke na voljo širšo paleto konkurenčnih rešitev za plačila .
SEPA will also provide a significant number of additional benefits .
SEPA pa bo prinesla še vrsto drugih ugodnosti .
>FOR CONSUMERS SEPA payment instruments will be available throughout the euro area , making life easier for consumers .
> Z a p otro š nike Plačilni instrumenti SEPA bodo na voljo v celotnem euroobmočju , kar bo na splošno olajšalo življenje potrošnikov .
From this account , they will be able to effect credit transfers and direct debit payments in euro throughout the euro area as easily as they make national payments .
S tega računa bodo lahko opravljali eurska kreditna plačila in direktne obremenitve kjerkoli v euroobmočju enako preprosto , kot zdaj opravljajo plačila znotraj države .
They could , for instance , pay rent for children studying abroad , pay for a holiday home , or pay for services provided by European companies ( mobile telephone services , insurance , utilities , etc .) .
naročnino za mobilni telefon , zavarovanje , komunalne storitve in podobno . Vsi , ki živijo , delajo ali študirajo v tujini , ne bodo več potrebovali dveh bančnih računov , enega v domači in drugega v tuji državi .
To accept card payments , merchants need an agreement with an acquiring bank , which processes card payments for the merchant by handling information on the payment and cardholder and forwarding this to the cardholder 's bank via the clearing infrastructure . SEPA offers the following advantages in this regard .
Dolgoročni cilj bančnega sektorja je , da se plačilni instrumenti SEPA uporabljajo samo v elektronski obliki . Tako bo plačila mogoče enostavno povezati s storitvami z dodano vrednostjo , torej s tistimi , ki so zasnovane tako , da potrošnikom in podjetjem olajšajo plačilni postopek pred poravnavo plačila in po njej .
>A c q u i re r s w i l l b e a b l e t o p ro c e s s a l l >The use of payment cards will be more efficient , as consumers will be able to use the same card for all euro payments .
Te storitve so e-računi , spletna in mobilna plačila , e-letalske vozovnice in e-usklajevanje .
This will reduce the need for people to carry cash .
Z njimi bo izvedba plačila potrošnikom vzela manj časa .