natgillin/translations-raw huggingface dataset:
eu ) . 6 MONITORING THE PREPARATIONS The EPC and the Eurosystem , with the national implementation committees that are often cochaired by the NCBs , together with representatives of the banks and of the users , are monitoring the implementation of SEPA at the national level .
Ko bo to opravljeno , bo treba določiti natančen končni datum , do katerega se bodo lahko uporabljali nacionalni plačilni instrumenti , in vse , ki bodo kazali odpor do uvedbe novih plačilnih instrumentov , spodbuditi , da migracijo čimprej dokončajo .
The Eurosystem carries out regular surveys among the NCBs to monitor the situation . Feedback is given to the national implementation bodies to ensure consistency of work across the euro area ;
Eurosistem se zaveda , da so končni uporabniki , ki poslujejo v več državah , zahtevali enoten končni datum za celotno območje SEPA .
a consistent approach towards implementation has been requested by , in particular , multi-country banks and users . To ensure the operational readiness of the banks , the EPC has developed a SEPA testing
V tem kontekstu se je treba zavedati , da bo treba nacionalne instrumente postopno odpraviti , saj trajna vzporedna obdelava nacionalnih in SEPA instrumentov deležnikom 6
2.2 COMMUNICATION TO STAKEHOLDERS
7 2.2 OBVEŠČANJE DELEŽNIKOV
ENSURING CONSISTENCY OF MESSAGES AT THE EUROPEAN LEVEL SEPA communication efforts aim at informing all stakeholders about the long-term goals , the challenges and the benefits of SEPA .
ZAGOTAVLJANJE ENOTNOSTI SPOROČIL NA EVROPSKI RAVNI Cilj obveščanja o SEPA je vsem deležnikom posredovati informacije o dolgoročnih ciljih ter izzivih in prednostih SEPA .
This communication policy is coordinated at the European level by the Eurosystem , the European Commission and the EPC .
To politiko obveščanja na evropski ravni usklajujejo Eurosistem , Evropska komisija in EPC .
The aim is not to replace the communication efforts of national communities and individual banks , but rather to complement these by an overarching framework at the European level .
Namen ni nadomestiti dejavnosti obveščanja , ki jih izvajajo nacionalne skupnosti in posamezne banke , temveč te aktivnosti dopolniti s krovnim okvirom na evropski ravni .
Through these communications efforts , all stakeholders should have a clear view of the actions that need to be taken in order to gauge all SEPA benefits and challenges .
Na ta način bodo vsi deležniki dobili jasno sliko o tem , katere ukrepe morajo sprejeti , da bi v celoti izkoristili vse prednosti in izzive SEPA .
MORE CONCRETE COMMUNICATION ON SEPA IS NEEDED The key target groups at this stage ( i.e. in mid2007 ) are corporates and public administrations in their capacity as large users of payment services , as well as consumer associations and associations of SMEs , as representatives of the smaller users .
POTREBNO JE KONKRETNEJŠE OBVEŠČANJE O SEPA Ključne ciljne skupine na sedanji stopnji ( tj . sredi leta 2007 ) so podjetja in javna uprava kot veliki uporabniki plačilnih storitev , pa tudi zveze potrošnikov in združenja majhnih in srednje velikih podjetij kot predstavniki manjših uporabnikov .
The majority of communication efforts should be undertaken by banks , national migration entities and public authorities , as these are aware of all key information and have direct links to the relevant target groups .
Večino dejavnosti obveščanja morajo prevzeti banke , nacionalni organi za migracijo in javna uprava , saj ti poznajo vse ključne informacije in imajo neposredne povezave z ustreznimi ciljnimi skupinami .
More precise communication by individual banks on their actual service offerings will help customers with their preparations for the start of SEPA in January 2008 .
Posamezne banke bodo s podrobnejšim obveščanjem o svoji dejanski ponudbi storitev strankam pomagale pri njihovih pripravah na začetek SEPA v januarju 2008 .
Communication efforts aimed at other endusers should be stepped up in 2008 .
Dejavnosti obveščanja , ki so namenjene drugim končnim uporabnikom , se morajo okrepiti v letu 2008 .
In particular , banks should present their actual services on offer , so that customers will know what they can expect from SEPA .
Predvsem banke bi morale predstaviti svojo dejansko ponudbo , tako da bodo stranke vedele , kaj lahko pričakujejo od SEPA .
In addition , national « SEPA launch events » , including high-level representatives of banks , public authorities and central banks , should be organised in January 2008 to mark the official start of SEPA and to capture the broad attention of the general public .
V januarju 2008 je za zaznamovanje uradnega začetka SEPA in za okrepitev zanimanja splošne javnosti treba organizirati tudi nacionalne „otvoritvene slovesnosti za SEPA » , ki naj bi se jih udeležili visoki predstavniki bank , javnih oblasti in centralnih bank .
MAIN WORK HAS TO BE DONE AT THE NATIONAL LEVEL Following the establishment of an overarching communication framework , the main efforts are now needed at the national level , i.e. the microlevel .
GLAVNINO DELA JE TREBA OPRAVITI NA NACIONALNI RAVNI Po oblikovanju krovnega okvira dejavnosti obveščanja so zdaj najbolj potrebne dejavnosti na nacionalni oziroma mikro ravni .
Practical measures can include , for example , the organisation of national events , an intense dialogue with national stakeholders and a substantial communication and information campaign by banks in which they present their SEPA products and services .
Praktični ukrepi lahko vključujejo organizacijo nacionalnih dogodkov , intenziven dialog z deležniki v posamezni državi in obsežne akcije obveščanja in informiranja , v katerih banke predstavljajo svoje SEPA produkte in storitve .
National public authorities should be actively supporting the communications on the objectives of SEPA at the national level .
Nacionalne javne oblasti morajo na nacionalni ravni aktivno podpirati vse dejavnosti obveščanja o ciljih SEPA .
STRONGER INVOLVEMENT OF PUBLIC AUTHORITIES NEEDED As mentioned earlier , the state of preparations of some non-bank stakeholders , in particular public administrations , just a few months before the launch of SEPA is a matter of concern to the Eurosystem .
POTREBNA JE VEČJA UDELEŽBA JAVNIH OBLASTI Kot že omenjeno , je raven pripravljenosti nekaterih nebančnih deležnikov , še zlasti javne uprave , le nekaj mesecev pred začetkom SEPA , po mnenju Eurosistema zaskrbljujoča .
The Ecofin Council agreed in October 2006 that public authorities should support the SEPA project .
Ekonomsko-finančni svet je oktobra 2006 sklenil , da bodo državni organi podprli projekt SEPA .
At this stage , however , few public authorities have declared their intention to become early users of SEPA products , nor has there been any high-profile political support .
Vendar so doslej le redke javne oblasti napovedale svojo namero postati zgodnji uporabniki SEPA produktov , prav tako pa ni nikakršne politične podpore na visoki ravni .
As an initial step to improve this situation , the European Commission , in cooperation with the ECB and the EPC , held a SEPA conference entitled « SEPA : an opportunity for Europe -- role of the public sector » for public administrations in May 2007 .
Kot prvi korak za izboljšanje tega stanja je Evropska komisija v sodelovanju z ECB in EPC maja 2007 za predstavnike javnih oblasti pripravila konferenco o SEPA z naslovom : „SEPA : priložnost za Evropo -- vloga javnega sektorja » .
It is suggested that similar conferences are organised at the national level .
Predlagano je , da se podobne konference organizirajo tudi na nacionalni ravni .
2.3 BARRIERS THAT COULD HAMPER THE IMPLEMENTATION OF SEPA
2.3 OVIRE , KI BI LAHKO ZAVRLE IMPLEMENTACIJO SEPA
2 I M P L E M E N TAT I O N A N D M I G R AT I O N TOWA R D S S E PA
2 I M P L E M E N TA C I J A IN MIGRACIJA N A S E PA
MEETING CUSTOMERS » NEEDS IS ESSENTIAL To make SEPA a success , the needs of customers must be met .
BISTVENO JE ZADOVOLJITI POTREBE STRANK Da bi bila SEPA uspešna , morajo biti zadovoljene potrebe strank .
It is crucial that the service levels experienced by customers today do not deteriorate in a SEPA environment .
Bistveno je , da se raven storitev , ki so strankam na voljo danes , v okolju SEPA ne zmanjša .
Price developments should not become an obstacle to smooth migration .
Cenovna gibanja ne smejo ovirati nemotene migracije .
The Eurosystem invites market participants to report any shortcomings in this regard to the EPC , or to the relevant public authorities .
Eurosistem tržne udeležence vabi , da o morebitnih pomanjkljivostih na tem področju poročajo EPC ali pristojnim javnim oblastem .
It is essential that SEPA ECB Single Euro Payment Area ( SEPA ) July 2007 25
Nujno je , 7 ECB bo objavila študijo o možnih gospodarskih posledicah SEPA za bančni sektor . ECB Enotno območje plačil v eurih ( SEPA ) julij 2007
continues on a smooth development path , and the Eurosystem expects governance arrangements to be put in place that will promote innovation and transparency .
da se razvoj SEPA nemoteno nadaljuje , in Eurosistem pričakuje , da bo vzpostavljen sistem vladanja , ki bo spodbujal inovacije in preglednost .
All relevant stakeholders should be involved in these governance arrangements .
V tem sistemu vladanja morajo sodelovati vsi ustrezni subjekti .
BALANCE OF PAYMENTS REPORTING REQUIREMENTS All barriers and obstacles that could hamper the implementation of SEPA should be removed in order to allow effective cross-border competition in the field of retail payment services .
OBVEZNOST POROČANJA ZA NAMENE PLAČILNE BILANCE Vse zapreke in ovire , ki bi lahko onemogočile implementacijo SEPA , je treba odpraviti , da bi na področju storitev za plačila malih vrednosti zagotovili učinkovito čezmejno konkurenco .
Balance of payments reporting is an important element of the framework for statistics on national accounts .
Poročanje za namene plačilne bilance je pomemben element v okviru statistike nacionalnih računov .
Owing to the dynamics of SEPA , the information gathered in this way will gradually lose its validity for , in particular , balance of payments statistics , if there is a general use of « foreign » banks to make « domestic » and « cross-border » payments and « domestic » banks to make payments within another country or between two other countries .
Zaradi dinamike SEPA bodo informacije , ki se zbirajo na ta način , zlasti za statistiko plačilne bilance postopno postale neuporabne , če bo prišlo do splošne uporabe „tujih » bank za „domača » in „čezmejna » plačila ali „domačih » bank za plačila znotraj druge države oziroma med dvema drugima državama .
Pragmatic solutions should be found to address the issues currently being raised in this regard .
Za tovrstna vprašanja , ki se zdaj odpirajo , bo treba poiskati pragmatične rešitve .
In 2005 , the Eurosystem suggested that the threshold for balance of payments reporting be raised to Euros 50,000 as from 1 January 2008 .
Leta 2005 je Eurosistem predlagal , da se prag za poročanje za namene plačilne bilance s 1 . januarjem 2008 poveča na 50.000 EUR .
The Eurosystem would also ask the European Commission to finalise its work on the review of Regulation 2560/2001 as soon as possible .
Eurosistem tudi poziva Evropsko komisijo , da čimprej zaključi svoje delo pri reviziji Uredbe 2560/2001 .
The Eurosystem welcomes the decisions of the relevant authorities in several countries to raise the reporting threshold without waiting for a European decision .
Eurosistem pozdravlja odločitev pristojnih organov v več državah , da prag za poročanje dvignejo brez čakanja na evropsko odločitev .
3 OT H E R I S S U E S 3 3.1 OTHER ISSUES PAYMENT SERVICES DIRECTIVE SWIFT TRANSPOSITION INTO NATIONAL LAW IS NOW NEEDED The Eurosystem therefore urges Member States to transpose the PSD into national law as soon as possible , so as to pave the way for a successful and timely introduction of SEPA payment instruments .
Ko bo to opravljeno , bo predvidoma predlog v tretjem četrtletju 2007 dokončno potrdil Svet EU . Države članice bodo morale potem DPS čimprej , najkasneje pa do 1 .
With the adoption of the PSD , the Eurosystem also urges the banking industry and all other stakeholders to maintain momentum and intensify their preparations for the launch of SEPA in January 2008 , and for its subsequent successful and timely implementation . The Eurosystem will continue to support these efforts .
novembra 2009 , prenesti v nacionalno zakonodajo . Zaželeno je , da nacionalni zakonodajni organi prenos opravijo na čimbolj usklajen način , pri čemer so jim nacionalne centralne banke pripravljene pomagati .
3.2 The aim of the PSD is to ensure that payments within the EU -- in particular credit transfers , direct debits and card payments -- become as easy , efficient and secure as domestic payments are now within an individual Member State by providing the legal foundations to make SEPA possible .
Cilj DPS je zagotoviti , da bodo plačila v EU -- zlasti kreditna plačila , direktne obremenitve in kartična plačila -- postala tako preprosta , učinkovita in varna kot so domača plačila v posamezni državi članici , in sicer z določitvijo pravne podlage , potrebne za oblikovanje SEPA .
The PSD will reinforce the rights and protection of all users of payment services , whether consumers , retailers , large or small companies , or public authorities .
DPS bo okrepila pravice in zaščito vseh uporabnikov plačilnih storitev ( potrošnikov , trgovcev , velikih in malih podjetij ter javnih oblasti ) .
The Eurosystem regards the adoption of the PSD as a decisive step towards the realisation of SEPA .
Eurosistem meni , da sprejem DPS predstavlja odločilen korak k uresničitvi SEPA .
The PSD will greatly facilitate the operational implementation of SEPA payment instruments by the banking industry , as well as their adoption by end-users , by harmonising the underlying legal framework .
DPS bo z uskladitvijo pravne podlage bančnemu sektorju močno olajšala operativno implementacijo SEPA plačilnih instrumentov , končnim uporabnikom pa njihovo sprejetje .
This will provide the foundations for a single « domestic » euro payments market .
To bo zagotovilo temelje enotnemu „domačemu » trgu plačil v eurih .
The PSD will also underpin consumer protection , and enhance competition and innovation , by establishing an appropriate prudential framework for new entrants to the market for retail payments .
DPS bo z vzpostavitvijo ustrezne podlage za varno in skrbno poslovanje novih ponudnikov na trgu plačil malih vrednosti okrepila tudi varstvo potrošnikov ter izboljšala konkurenčnost in inovativnost .
This should encourage technological progress and the realisation of new product opportunities , such as e-payments , e-invoicing and e-reconciliation , GOVERNANCE OF SEPA SCHEMES AND FRAMEWORKS which can provide major benefits to the wider economy .
To bi moralo spodbuditi tehnološki napredek in priložnosti za nove produkte , kot so e-plačila , e-izdajanje računov in e-usklajevanje , kar lahko prinese velike koristi širšemu gospodarskemu okolju .
MAJOR PROGRESS HAS BEEN MADE On 24 April 2007 , the European Parliament adopted the proposal for the Payment Services Directive ( PSD ) , after the Ecofin Council had already agreed on a general approach on 27 March 2007 .
ZDAJ JE POTREBEN HITER PRENOS V NACIONALNO ZAKONODAJO Eurosistem zato poziva države članice , da DPS čimprej prenesejo v nacionalno zakonodajo in tako vzpostavijo razmere za uspešno in pravočasno uvedbo SEPA plačilnih instrumentov .
Currently , the translation into all official EU languages is taking place . Once this has been finalised , it is expected that the proposal will be finally adopted by the EU Council in the third quarter of 2007 .
S sprejemom DPS Eurosistem tudi poziva bančni sektor in vse druge deležnike , da ohranijo zagon in pospešijo priprave na začetek SEPA v januarju 2008 , kot tudi za njeno kasnejše učinkovito in pravočasno implementacijo .
The Member States will then be required to transpose the PSD into national law as soon as possible , by 1 November 2009 at the latest .
Eurosistem bo tudi v prihodnje podpiral ta prizadevanja . 3.2 VLADANJE SEPA SHEMAM IN OKVIROM
National legislators are called upon to effect the transposition in the most harmonised way possible , and the NCBs stand ready to assist . GOVERNANCE ARRANGEMENTS FOR THE SEPA SCHEMES HAVE BEEN DEFINED In June 2007 , the EPC approved the governance arrangements for the SEPA credit transfer and direct debit schemes .
SISTEM VLADANJA SEPA SHEMAM JE OPREDELJEN V juniju 2007 je EPC potrdil sistem vladanja shemam SEPA kreditnih plačil in SEPA direktnih obremenitev . Eurosistem pozdravlja jasnost opredelitve vlog različnih deležnikov in postopkov odločanja .
The Eurosystem welcomes the clarification provided on the roles of the different stakeholders and the decision-making procedures . SCHEME GOVERNANCE SHOULD ENABLE THE PROMOTION OF INNOVATIVE FEATURES To ensure a smooth development of SEPA that is also of benefit to end-users , the Eurosystem expects that the governance arrangements of the SEPA payment schemes will promote innovation , transparency and an adequate involvement of stakeholders .
VLADANJE SHEMAM MORA OMOGOČITI SPODBUJANJE INOVATIVNIH REŠITEV Za nemoten razvoj SEPA , ki bo koristil tudi končnim uporabnikom , Eurosistem pričakuje , da bo sistem vladanja SEPA plačilnim shemam spodbujal inovacije , krepil preglednost in omogočal ustrezno sodelovanje vseh deležnikov . Eurosistem pričakuje , da bo sistem vladanja , ki ga bo oblikoval EPC , temeljil na načelih dobrega vladanja .
The Eurosystem expects the EPC governance arrangements to be based on good governance principles and welcomes the fact that they explicitly commit the EPC to innovation and to the further enhancement of the SEPA schemes with innovative features .
Obenem pozdravlja dejstvo , da se s sistemom vladanja shemam EPC izrecno zavezuje k inovativnosti in nadaljnjemu izboljševanju SEPA shem z uvajanjem inovativnih značilnosti . Eurosistem pričakuje , da bo EPC sprejel odprt in nepristranski pristop do vseh skupnosti in deležnikov ter preučil vse predloge za spremembe ne glede na njihov vir .
The Eurosystem expects that the EPC will adopt an open and non-biased approach towards all communities and
PREGLEDNOST ODLOČANJA JE BISTVENEGA POMENA Eurosistem tudi poziva bančni sektor k popolni preglednosti glede upravljanja sprememb v odnosu do vseh deležnikov .
ECB Single Euro Payment Area ( SEPA ) July 2007
Še posebno je pomembno , da so objavljeni tisti predlogi sprememb , ki niso bili sprejeti , razlogi za ECB Enotno območje plačil v eurih ( SEPA ) julij 2007
TRANSPARENCY OF DECISION-MAKING IS VITAL The Eurosystem also invites the banking industry to be fully transparent on the management of the change vis-à-vis all stakeholders .
zavrnitev pa pojasnjeni na osnovi splošnih kriterijev .
In particular , suggestions for changes that are not adopted should be published and explained on the basis of broad criteria . The Eurosystem supports the creation of both national and European SEPA fora , which should be recognised as independent bodies that can initiate suggestions for change and that are consulted on all changes .
Eurosistem podpira oblikovanje nacionalnih in evropskih SEPA forumov . Ti morajo biti priznani kot neodvisna telesa , ki lahko dajejo predloge za spremembe in s katerimi se posvetuje o vseh spremembah .
EUROSYSTEM WILL MONITOR THE ADEQUATE INVOLVEMENT OF CONCERNED STAKEHOLDERS The Eurosystem welcomes the involvement of independent members in the EPC 's administration and compliance functions relating to the SEPA schemes .
EUROSISTEM BO SPREMLJAL RAVEN VKLJUČENOSTI ZADEVNIH DELEŽNIKOV Eurosistem pozdravlja sodelovanje neodvisnih članov v funkcijah EPC na področjih upravljanja in zagotavljanja skladnosti v povezavi s SEPA shemami .
The EPC has created a forum with representatives of all customer stakeholders , building on the dialogue with the representatives of corporates over the past year .
Na osnovi dialoga , ki je v preteklem letu potekal s predstavniki podjetij , je EPC vzpostavil forum za posvetovanja s predstavniki vseh deležnikov , ki so stranke oziroma končni uporabniki SEPA rešitev .
This Stakeholders Forum is cochaired by the EPC and the users .
Temu forumu deležnikov sopredsedujejo EPC in uporabniki .
The Eurosystem will monitor the dialogue between banks and other stakeholders , and also the adequate involvement of all stakeholders .
Eurosistem bo spremljal dialog med bankami in drugimi deležniki , kot tudi ustreznost vključenosti vseh subjektov .
It could be considered to involve stakeholders at an earlier stage of the work and in a more intensive manner , for instance by setting up working groups under the Stakeholders Forum .
Deležnike bi bilo primerno pritegniti k sodelovanju na zgodnejši stopnji dela in na bolj intenziven način , na primer z oblikovanjem delovnih skupin v okviru foruma deležnikov .
Furthermore , it could be investigated whether the Stakeholders Forum should be aimed at the current schemes only , or whether it should also be a European platform for discussions on potential new schemes .
Poleg tega bi bilo dobro preučiti , ali naj bi bil forum namenjen zgolj delu v povezavi s sedanjimi shemami ali pa naj bi bil tudi evropska tribuna za razpravo o morebitnih novih shemah .
If necessary , this dialogue could be facilitated by the Eurosystem in its role as catalyst .
Po potrebi bi lahko Eurosistem v dialogu sodeloval kot katalizator . 28
28 ECB Single Euro Payment Area ( SEPA ) July 2007
ECB Enotno območje plačil v eurih ( SEPA ) julij 2007
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EDITORIAL 9 August 2007 - Monthly Bulletin
9 . avgust 2007 - Mesečni bilten
At its meeting on 2 August 2007 , the Governing Council decided , on the basis of its regular economic and monetary analyses , to leave the key ECB interest rates unchanged .
Svet ECB je na seji 2 . avgusta 2007 na podlagi redne ekonomske in denarne analize sklenil , da ključne obrestne mere ECB ohrani nespremenjene .
The information that has become available since the Governing Council 's meeting on 5 July has further underpinned its previous diagnosis of the situation .
Informacije , ki so postale dostopne po zadnji seji Sveta 5 . julija , so še dodatno podkrepile preteklo diagnozo razmer .
Recent economic developments and survey indicators confirm that sustained economic growth continued in the euro area through the second quarter .
Nedavna ekonomska gibanja in anketni kazalniki potrjujejo , da se je gospodarska rast v euroobmočju v drugem četrtletju nadaljevala po obstoječi stopnji .
Rising oil prices , emerging capacity constraints and the potential for stronger wage and cost dynamics , among other factors , support the Governing Council 's previous assessment that upside risks to price stability over the medium term exist .
Rastoče cene nafte , nastajajoče omejitve zmogljivosti ter možnost močnejše dinamike plač in stroškov , poleg ostalih dejavnikov , podpirajo prejšnjo oceno Sveta , da na srednji rok obstajajo navzgor usmerjena tveganja za stabilnost cen .
The existence of upside risks to price stability at medium to longer-term horizons is confirmed by the strength of the underlying rate of monetary expansion .
Obstoj teh tveganj v srednjeročnem do dolgoročnejšem obdobju potrjuje tudi moč osnovne denarne ekspanzije .
Strong vigilance is therefore of the essence to ensure that risks to price stability over the medium term do not materialise .
Svet ECB bo zato v prihodnje zelo budno spremljal vsa dogajanja in skrbel , da se tveganja za stabilnost cen v srednjeročnem obdobju ne bi uresničila .
This in turn will contribute to ensuring that medium to longer-term inflation expectations in the euro area remain solidly anchored at levels consistent with price stability .
S tem bo po drugi strani prispeval k temu , da srednjeročna do dolgoročnejša inflacijska pričakovanja v euroobmočju ostanejo trdno zasidrana na ravni , ki je skladna s stabilnostjo cen .