natgillin/translations-raw huggingface dataset:
Therefore , the Eurosystem has developed expectations for different stakeholders , an approach taken as a result of the fact that a number of different market participants asked for more SEPA guidance from the Eurosystem throughout 2008 .
Zato je Eurosistem razvil pričakovanja do različnih deležnikov -- pristop , ki je bil sprejet zato , ker so tekom leta 2008 številni različni tržni udeleženci od Eurosistema zahtevali več usmeritev o SEPA .
The focus of this document is the whole of SEPA , irrespective of whether a country is part of the euro area or not .
Pričujoči dokument je usmerjen na celotno območje SEPA , ne glede na to , ali je država članica euroobmočja ali ne .
However , as is typically the case in the SEPA project , it only focuses on payments denominated in euro .
Kot je značilno za projekt SEPA , pa se osredotoča samo na plačila v eurih .
The Eurosystem 's expectations for SEPA providers and SEPA users should make the market aware that for the Eurosystem -- even in turbulent times -- SEPA remains a top priority and a « mini SEPA » ( i.e. for cross-border payments only ) is not an acceptable result .
nostna naloga -- tudi v časih pretresov -- in da „mini SEPA » ( tj . zgolj za čezmejna plačila ) ni sprejemljiva .
The current financial crisis is causing more and more banks to focus on their retail business again ; payment services are at the core of this retail business .
Trenutna finančna kriza vse več bank spodbuja , da pozornost zopet usmerijo na poslovanje s komitenti , plačilne storitve pa so osrednji del takšnega poslovanja .
Full migration to SEPA is now even more important since SEPA is the foundation for the future European payments business .
Popolna migracija na SEPA je sedaj še bolj pomembna , saj je SEPA temelj prihodnjega evropskega plačilnega prometa .
These expectations should give market participants guidance in the migration process .
Ta pričakovanja bi morala tržnim udeležencem dati usmeritve v procesu migracije .
Last but not least , it is worth emphasising that the Eurosystem intends neither to make its expectations mandatory , nor to formally assess their fulfilment .
Nenazadnje je treba poudariti , da ni namen Eurosistema , da bi pričakovanja postala obvezna , niti ne namerava formalno ocenjevati njihovega izpolnjevanja .
However , the Eurosystem would appreciate it if the different stakeholders were to consider these expectations in their activities , and encourages especially banks and payment institutions to assess themselves against these expectations .
Vseeno bi Eurosistem cenil , če bi različni deležniki pri svojih dejavnostih upoštevali ta pričakovanja , in zlasti banke in plačilne institucije spodbuja , da se glede na pričakovanja ocenijo .
PREREQUISITES CONSIDERED
PREDPOGOJI
When establishing these expectations , the Eurosystem considered a number of prerequisites , which -- for transparency reasons -- are listed below .
Pri oblikovanju teh pričakovanj je Eurosistem upošteval številne predpogoje , ki so zaradi preglednosti navedeni spodaj .
-* The Eurosystem has no intention to formulate expectations as binding requirements , i.e. no additional burdens are put on users and providers .
-* Eurosistem nima namena , da bi pričakovanja oblikoval kot zavezujoče zahteve , tj . uporabnikom in ponudnikom ni naloženo nikakršno dodatno breme .
The Eurosystem will make no formal assessment or survey of the expectations at this stage .
Eurosistem v tej fazi ne bo izdeloval formalnih ocen ali izvajal anket o pričakovanjih .
It is possible -- but there is no obligation -- for users and providers to assess themselves against the expectations and publish the results .
Uporabniki in ponudniki se lahko ocenijo glede na pričakovanja in objavijo rezultate , vendar to ni obvezno .
However , the Eurosystem would particularly appreciate it if banks and payment institutions were to carry out a self-assessment . ( A template for such a self -
Kljub temu bi Eurosistem zelo cenil , če bi banke in plačilne institucije izvedle samooceno .
ECB Eurosystem 's SEPA expectations March 2009 assessment has therefore been developed by the Eurosystem and can be found as an annex to this document .
( Eurosistem je oblikoval obrazec za takšno samooceno in je na voljo v prilogi tega dokumenta .
) -* There is no obligation for niche-players to offer the whole SEPA product range ; they can fulfil the expectations with their limited services .
) Akterjem na manjšem segmentu trga ni treba ponujati celotne palete produktov SEPA , ampak lahko pričakovanja izpolnijo z omejeno ponudbo storitev . -*
There is no duplication of the already existing EPC documentation and work already done by the Eurosystem ( e.g. the terms of reference for infrastructures ) .
-* Pričakovanja Eurosistema do ponudnikov SEPA in uporabnikov SEPA bi morala trgu pokazati , da ostaja SEPA za Eurosistem najvišja pred -
However , in order to give a comprehensive overview , the Eurosystem 's other work streams are briefly summarised in this document .
4 ECB SEPA : Pričakovanja Eurosistema marec 2009
( SMEs , large corporates and merchants ) , the customers of infrastructures are usually banks .
Že obstoječa dokumentacija EPC in delo , ki ga je Eurosistem že opravil ( npr .
However , this is no disjunctive classification , since there are banks which offer clearing and settlement services to other ( often smaller ) banks , as well as CSMs allowing corporates direct access to their services . The Eurosystem has already published terms of reference for infrastructures , which can be found on the ECB 's website ( http://www.ecb.int/paym/sepa / components / infrastructures / html / tor .
referenčni okvir za infrastrukturo ) , se ne podvajata . Kljub temu so zaradi celovitega pregleda v tem dokumentu na kratko povzeta druga področja dela Eurosistema .
In order to help the European banking industry to create a SEPA for cards , the Eurosystem has developed SEPA compliance criteria for card schemes and the corresponding terms of reference .
Da bi evropskemu bančnemu sektorju pomagal vzpostaviti shemo SEPA za kartice , je Eurosistem za kartične sheme oblikoval merila skladnosti z zahtevami SEPA in pripadajoč referenčni okvir .
Because of these two separate work streams , infrastructures and card schemes are not explicitly considered in this document .
Ker sta to dve ločeni področji dela , infrastrukture in kartične sheme v tem dokumentu niso izrecno obravnavane .
As far as SEPA users are concerned , five categories can be identified : -* -* -* companies ( i.e. corporates and SMEs ) ; public authorities ;
Kar zadeva uporabnike SEPA , jih lahko razdelimo na pet kategorij : -* podjetja ( velike gospodarske družbe ter mala in srednje velika podjetja ) , javna uprava , banke ( poslovne banke in centralne banke ) in plačilne institucije , trgovci , komitenti .
TYPES OF SEPA STAKEHOLDER
VRSTE DELEŽNIKOV SEPA
This document differentiates between SEPA providers and SEPA users .
V tem dokumentu razlikujemo med ponudniki SEPA in uporabniki SEPA .
While SEPA providers typically offer payment-related services to other parties ( e.g. clearing services , credit transfer or direct debit services ) , SEPA users are customers of a SEPA provider , acting on their own behalf when making use of payment services .
Medtem ko ponudniki običajno ponujajo plačilne storitve drugim strankam ( npr . klirinške storitve , storitve kreditnega plačila ali direktne obremenitve ) , so uporabniki SEPA stranke ponudnikov SEPA , ki pri uporabi plačilnih storitev delujejo v lastnem imenu .
In fact , a stakeholder ( e.g. a bank ) can be a SEPA provider on the one hand ( e.g. when offering a credit transfer service to its corporate customers ) and a SEPA user on the other ( e.g. when paying a supplier for office utensils ) .
Dejansko je lahko deležnik ( npr . banka ) po eni strani ponudnik SEPA ( ko na primer ponuja storitev kreditnega plačila gospodarskim družbam ) in po drugi strani uporabnik SEPA ( ko na primer dobavitelju plača pisarniški material ) .
This document aims to take these specifics into consideration .
V tem dokumentu želimo upoštevati te posebnosti .
Three categories of SEPA provider can be identified : -* -* -* banks and payment institutions ; card schemes ;
Tri kategorije ponudnikov SEPA so naslednje : -* -* -* banke in plačilne institucije , kartične sheme , infrastrukture ( običajno se imenujejo „avtomatizirane klirinške hiše » ali „klirinško-poravnalni mehanizmi ") .
and infrastructures ( often referred to as « automated clearing houses / ACHs » or « clearing and settlement mechanisms / CSMs ") . -* -*
Vendar to ni izključevalna razvrstitev , saj obstajajo banke , ki ponujajo klirinške in poravnalne storitve drugim ( ponavadi manjšim ) bankam ter klirinškoporavnalnim mehanizmom , ki gospodarskim družbam omogočajo neposreden dostop do njihovih storitev . Eurosistem je že objavil referenčni okvir za infrastrukture , ki je na voljo na spletni strani ECB ( http://www.ecb.int/paym / sepa / components / infrastructures / html / tor .
On several occasions , the Eurosystem has brought attention to the importance of companies ( corporates as well as SMEs ) and public administrations ( see , for instance , the progress reports on SEPA and various speeches by Eurosystem representatives 1 ) , as they contribute most heavily to the overall number of transactions in payment systems .
Eurosistem je ob več priložnostih opozoril na pomen podjetij ( velikih gospodarskih družb ter malih in srednje velikih podjetij ) in javnih uprav ( glej na primer poročila o napredku SEPA in več govorov predstavnikov Eurosistema 1 ) , saj daleč največ prispevajo k skupnemu številu transakcij v plačilnih sistemih .
Therefore , they are the main focus of the Eurosystem 's SEPA expectations for users .
V pričakovanjih Eurosistema do uporabnikov je zato njim posvečena glavna pozornost .
Nevertheless , the three remaining types deserve some consideration , too . Banks ( commercial banks , as well as central banks ) and the future payment 1 The reports and speeches can be accessed via http://www.ecb .
Banke ( poslovne banke in centralne banke ) in prihodnje plačilne institucije niso samo ponudniki , ampak tudi uporabniki . Lahko bi jih seveda vključili v prvi dve vrsti uporabnikov , vendar so zaradi njihovega simbolnega pomena in zaradi krepitve ozaveščanja obravnavane kot posebna vrsta uporabnikov .
europa .
Poleg značilnih podjetniško povezanih plačilnih procesov imajo trgovci tudi pomembno vlogo „vratarja » pri uporabi določe1 Poročila in govori so na voljo na strani http://www.ecb.europa .
eu / paym / sepa / html / index .
eu / paym / sepa / html / index .
Whereas banks and payment institutions typically service consumers and companies ECB Eurosystem 's SEPA expectations March 2009
ECB SEPA : Pričakovanja Eurosistema marec 2009
institutions are not only providers , but also users .
nih plačilnih instrumentov SEPA na prodajnem mestu ( tj .
They could obviously be included in the first two types of user , but because of their symbolic importance , and in order to create awareness , they are treated as a separate user type . Merchants also play an important role in the SEPA process .
kartična plačila ) . Nenazadnje bi morali prednosti SEPA končno uživati tudi komitenti in Eurosistem bo cenil , če bodo aktivno sprejeli plačilne instrumente SEPA .
In so far as they carry out credit transfers and / or direct debits , they are dealt with as the user type « company » .
4 OCENA TRENUTNEGA IZPOLNJEVANJA PRIČAKOVANJ
In addition to their typical company-related payment processes , they have an important « gatekeeper » function for the use of a specific SEPA payment instrument at the point of sale ( i.e. card payments ) . Last but not least , the retail customers should finally benefit from SEPA too and the Eurosystem would appreciate it if they were to actively adopt the SEPA payment instruments .
Pričakovanja Eurosistema nimajo namena , da bi veljala kot formalne zahteve , in niso pravno zavezujoča niti za uporabnike SEPA niti za ponudnike SEPA . Kar zadeva ponudnike SEPA ( banke in plačilne institucije ) , je cilj , da bi pričakovanja Eurosistema predstavljala merilo primerjave , s čimer bi zagotovili izpolnjevanje celovitejših pričakovanj Eurosistema in ne zgolj upoštevanje ustreznih pravilnikov in okvirov .
It is not expected that banks and payment institutions which are currently not active in a specific product type ( e.g. direct debits ) should be obliged to offer the corresponding product type within SEPA .
Eurosistem ne bo ocenjeval , ali ponudniki SEPA ( banke in plačilne institucije ) izpolnjujejo ta pričakovanja , vendar so ponudniki naprošeni , da svoje storitve redno in samostojno ocenjujejo na podlagi kriterijev in priporočil ter objavijo rezultate .
Therefore , SEPA expectations only relate to those product types which a bank or payment institution offers already in legacy euro instruments .
Vseeno je treba poudariti , da ponudniki SEPA ( banke in plačilne institucije ) nikakor niso pravno obvezani , da to storijo .
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 these expectations .
Ker so infrastrukture in kartične sheme podrobneje obravnavane na drugih področjih dela , je k temu dokumentu priložena le smernica za samooceno bank / plačilnih institucij .
Obviously , it would be much more difficult to assess the fulfilment of expectations by users ( be it by means of a self-assessment or an assessment by another party ) than would be the case for providers .
Ni predvideno , da bi morale banke in plačilne institucije , ki trenutno niso aktivne pri določeni vrsti produktov ( npr .
This is one of the reasons why no assessment is envisaged for the fulfilment of SEPA expectations by users .
direktne obremenitve ) , ponujati te vrste produktov v okviru SEPA .
However , these expectations show users how migration to SEPA can be actively promoted , providing users with guidance for implementing SEPA and , moreover , giving them an impression what the successful implementation of SEPA would mean for them , as well as how they could benefit from it .
Pričakovanja SEPA se zato nanašajo samo na tiste vrste produktov , ki jih banka ali plačilna institucija že ponuja kot stare eurske instrumente .
Therefore , the expectations published by the Eurosystem will provide support to the national banking communities , as well as payment institutions , in their communication efforts with users and will provide users with guidance regarding the adjustment of their payment-related activities .
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 ta pričakovanja .
ASSESSMENT OF THE CURRENT FULFILMENT OF EXPECTATIONS The Eurosystem 's expectations are not intended to be established as formal requirements and are not legally binding , neither for SEPA users nor for SEPA providers ( i.e. banks and payment institutions ) .
Seveda je dosti težje oceniti , ali uporabniki izpolnjujejo pričakovanja ( s samooceno ali oceno druge osebe ) , kot je to mogoče pri ponudnikih . To je eden od razlogov , zakaj ocena o izpolnitvi pričakovanj SEPA za uporabnike ni
As far as SEPA providers ( i.e. banks and payment institutions ) are concerned , the aim is that the expectations published by the Eurosystem provide a benchmark so as to ensure that they can refer to the fulfilment of the more comprehensive Eurosystem expectations and not only to the mere adherence to the relevant rulebooks and frameworks .
Pričakovanja uporabnikom vseeno kažejo , kako je mogoče migracijo na SEPA aktivno spodbujati , pri čemer dajejo usmeritve pri implementaciji SEPA in tudi prvi vtis o tem , kaj bo za uporabnike pomenila uspešna implementacija SEPA in kako lahko izkoristijo njene prednosti .
The Eurosystem will not assess whether SEPA providers ( i.e. banks and payment institutions ) fulfil these expectations , but providers are invited to assess the services they offer against the criteria and recommendations on a regular basis autonomously and publish the results .
Tako bodo pričakovanja Eurosistema nudila podporo nacionalnim bančnim skupnostim in plačilnim institucijam pri komuniciranju z uporabniki ter uporabnikom dajala usmeritve o prilagajanju svojih plačilnih dejavnosti .
However , it should be emphasised that SEPA providers ( i.e. banks and payment institutions ) are by no means legally required to do so . Since infrastructures and card schemes are dealt with in detail in other work streams , only a guideline for the self-assessment of banks / payment institutions has been annexed to this document .
RAZLOGI ZA OBLIKOVANJE PRIČAKOVANJ Zaradi sedanje finančne krize obstaja tveganje , da bi se SEPA obravnavala kot manj pomembna tema .
REASONS FOR ESTABLISHING THESE EXPECTATIONS Owing to the current fi nancial crises , there is a risk that SEPA could be considered an issue of minor importance .
Z objavo pričakovanj bomo ponovno opozorili na usmeritve politike Eurosistema in omogočili lažjo vzpostavitev okolja , prijaznega do SEPA .
The publication of the expectations shall reiterate the Eurosystem 's policy provisions and help to foster a « SEPA-friendly » environment . SEPA promoters within banks and companies will have additional arguments ( and may even get necessary resources more easily or at least be in a stronger position to defend their current
Spodbujevalci SEPA v bankah in podjetjih bodo s seznamom pričakovanj Eurosistema imeli dodatne argumente ( in mogoče lažje dobili potrebna sredstva oziroma bodo v boljšem položaju pri zagovarjanju trenutnih sredstev ) .
resources ) if they can refer to a list of the Eurosystem 's expectations . Although the majority of providers have already confi rmed publicly that they are SEPA scheme-compliant ( see , for instance , the EPC 's list of SEPA scheme-compliant CSMs ) or have signed the adherence agreement ( see the EPC 's list of banks that have signed the adherence agreement for SEPA credit transfers ) , live operations have shown that mere adherence and / or compliance with the EPC 's rules is often not sufficient to foster the full adoption of SEPA , let alone gain a substantial part of the overall payments volume , or provide clear guidance in order to avoid problems in day-today operations .
Čeprav je večina ponudnikov javno že potrdila , da so skladni z zahtevami SEPA ( glej na primer seznam klirinško-poravnalnih mehanizmov , skladnih z zahtevami SEPA , na spletni strani EPC ) , ali so podpisali sporazum o pristopu ( glej seznam EPC z imeni bank , ki so podpisale sporazum o pristopu h kreditnemu plačilu SEPA ) , so operacije v živo pokazale , da zgolj pristop in / ali upoštevanje pravil EPC pogostokrat ni dovolj za celovito sprejetje SEPA med uporabniki , kaj šele za pridobitev znatnega deleža od skupnega obsega plačil ali za zagotavljanje jasnih usmeritev , katerih namen je izogibanje problemom v dnevnem poslovanju .
The publication of these expectations and recommendations will explain to market participants what the Eurosystem expects from providers and will confi rm that these expectations go beyond the pure adherence to the relevant rulebooks and frameworks . In addition , they will explain to market participants how the Eurosystem expects users to be able to gain the maximum potential from SEPA .
Z objavo teh pričakovanj in priporočil bomo tržnim udeležencem razložili , kaj Eurosistem pričakuje od ponudnikov , in potrdili , da ta pričakovanja presegajo zgolj upoštevanje ustreznih pravilnikov in okvirov .
One of the lessons learned from the SCT introduction is that the market obviously needs and often demands more guidance than is currently offered .
Poleg tega bomo tržnim udeležencem razložili , kako naj bi po pričako - 6
The expectations formulated in this document offer additional guidance by communicating that , at least in the view of the Eurosystem , SEPA goes beyond the narrow approach of pure adherence to rulebooks .
ECB SEPA : Pričakovanja Eurosistema marec 2009
By publishing expectations and recommendations , the Eurosystem is providing an opportunity for providers to communicate the extent of their SEPA preparedness for marketing purposes and to support their customers » migration . SEPA « frontrunners » gain the opportunity to differentiate themselves from more passive stakeholders ;
vanjih Eurosistema uporabniki izkoristili največji možni potencial območja SEPA . Ena od lekcij , ki se je lahko naučimo od uvedbe kreditnega plačila SEPA , je , da trg očitno potrebuje in pogostokrat zahteva več usmeritev , kot jih je trenutno na voljo .
their activities are rewarded with this new marketing opportunity . Thus , they can brand themselves as « fulfilling the Eurosystem 's SEPA expectations » .
Pričakovanja v tem dokumentu ponujajo dodatne usmeritve , saj sporočajo , da vsaj po mnenju Eurosistema SEPA presega ozki pristop golega upoštevanja pravilnikov .
As mentioned before , infrastructures and card schemes have their own work streams and are , therefore , not dealt with in this document . 6.1 STATUS QUO REGARDING BANKS AND PAYMENT INSTITUTIONS A considerable share of payments are exchanged not via infrastructures , but bilaterally .
Z objavo pričakovanj in priporočil Eurosistem ponudnikom daje priložnost , da za namene trženja sporočijo , kako so pripravljeni na SEPA , in da podpirajo migracijo strank .
In addition , banks often act as « quasiinfrastructures » servicing other banks . Banks , despite having signed the adherence agreement , state publicly that by offering clearing services they are able and willing to do any kind of conversion requested ( even if a loss of data is involved ) .
„Vodilni » ponudniki SEPA bodo dobili priložnost , da se razlikujejo od bolj pasivnih deležnikov , njihove dejavnosti pa bodo nagrajene z novo priložnostjo na področju trženja .
Whereas the Eurosystem has introduced ToR for infrastructures ( in addition to the written declaration which the CSMs made to the EPC 2 ) , so far the Eurosystem 's expectations for banks have been communicated only occasionally in speeches and progress reports .
Lahko se torej označijo kot „izpolnjevalci pričakovanj Eurosistema na področju SEPA "
The PSD will give payment institutions the possibility of offering a broad range of payment services .
institucijam ponudila možnost , da ponujajo širok razpon plačilnih storitev .
In order to guarantee a level playing field , payment institutions are dealt with in the same way as banks in this document .
Da bi zagotovili enake konkurenčne pogoje , so v tem dokumentu plačilne institucije obravnavane enako kot banke .
This is based on the assumption that the EPC will also treat payment institutions in the same way as banks ( e.g. as far as adherence is concerned ) .
To izhaja iz predpostavke , da bo tudi EPC plačilne institucije obravnaval enako kot banke ( npr . kar zadeva pristop ) .
6.2 EUROSYSTEM EXPECTATIONS FOR BANKS AND PAYMENT INSTITUTIONS The Eurosystem institutions to : expects banks / payment 1 .
6.2 PRIČAKOVANJA EUROSISTEMA DO BANK IN PLAČILNIH INSTITUCIJ Eurosistem pričakuje , da bodo banke / plačilne institucije : 1 .
ensure their operational ability 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 if they conduct such business ;
Zagotovile operativne zmogljivosti za pošiljanje in sprejemanje plačil SEPA tako , da bodo : a ) upoštevale pravilnik SEPA za kreditna plačila in bile udeleženke v shemi kreditnih plačil SEPA , če izvajajo takšne posle ;
2 See http://www.europeanpaymentscouncil.eu/content .
e ) ponudile uporabo standardov SEPA v domeni komitent-banka in banka-komi2 Glej ht t p :// w w w. eu ropeanpay mentscouncil . eu / content .
cfm ?
cfm ?
page = sepa_scheme-compliant_csms for the list of CSMs which have stated that they are SEPA scheme-compliant . ECB Eurosystem 's SEPA expectations March 2009
page = sepa_scheme-compliant_csms , kjer je seznam klirinško-poravnalnih mehanizmov , ki so izjavili , da so skladni s shemami SEPA .