natgillin/translations-raw huggingface dataset:
In March 2007 , the EPC agreed on some basic rules to ensure that this is achieved . It was decided that there should be transparency in relation to banking community-wide additional optional services and , in particular , that details of community-wide additional optional services relating to the use of data elements present in the UNIFI ISO 20022 XML SEPA payment standards ( including any community-wide usage rules for the SEPA core mandatory subset ) should be disclosed on a publicly available website ( in both local language ( s ) and English ) .
obveznega niza SEPA v celotnem bančnem sektorju ) , objaviti na javno dostopni spletni strani ( v lokalnem jeziku in v angleščini ) . Eurosistem priporoča , da naj bo vsaka infrastruktura sposobna in pripravljena prenašati tako obvezna kot opcijska polja v SEPA plačilnih sporočilih , da bi v verigi obdelave preprečili nastanek ovir za dodatne opcijske storitve .
The Eurosystem recommends that infrastructures stand ready to transmit both the mandatory and the optional fields of the SEPA payment messages , so that no obstacles in the processing chain for additional optional services are created .
Preglednost bo omogočila splošno poznavanje , katere storitve se široko ponujajo in uporabljajo v Evropi , in ne bi smela veljati le za inovativne storitve , ampak tudi za tiste , ki temeljijo na regulatornih zahtevah , ter tiste , ki naj bi omogočile lažji prehod med nacionalnimi in SEPA formati .
Transparency will bring a general understanding of which services are widely offered and used throughout Europe , and should apply not only to innovative services , but also to those originating in regulatory requirements and to those that are intended to ease the transition between national and SEPA formats .
SPODBUJANJE INVENTIVNIH STORITEV Z DODANO VREDNOSTJO Ena od glavnih nalog na tem področju bi moral biti razvoj storitev z dodano vrednostjo , ki jih je mogoče kombinirati z elektronskimi SEPA plačili , kar naj bi spodbujalo plačilno območje brez papirnih instrumentov z avtomatizirano obdelavo plačil od začetka do konca .
PROMOTING INVENTIVE VALUE-ADDED SERVICES One main task in this area should be the development of value-added services that can be combined with electronic SEPA payments , thereby stimulating a paperless payment area with end-to-end STP .
Storitve z dodano vrednostjo obsegajo široko paleto storitev , ki imajo en glavni namen : izboljšati učinkovitost postopkov pred plačilom in po njem ter odpraviti uporabo papirja .
Value-added services comprise a wide range of services with one main purpose -- to make the supply chain process before and after payment more efficient and paper-free for customers . E-invoicing and e-reconciliation are value-added services that allow customers to receive fully electronic bills ( e-invoicing ) , or businesses and public administrations to have their records automatically updated once bills are settled ( e-reconciliation ) .
Elektronsko izdajanje računov in elektronsko usklajevanje sta storitvi z dodano vrednostjo , ki strankam omogočata prejemanje popolnoma elektronskih računov ( e-izdajanje računov ) , podjetjem in javnim upravam pa , da se njihove evidence po poravnavi računa samodejno posodobijo ( e-usklajevanje ) .
Combining value-added services with payments brings time and costsavings for all parties involved , as paper-based services and manual work are replaced by automated processes . These value-added
Povezovanje storitev z dodano vrednostjo s plačili za vse vpletene strani pomeni prihranek časa in denarja , saj avtomatizirani procesi nadomestijo papirne dokumente in ročno delo .
services will make SEPA dynamic and forwardlooking , and should therefore be encouraged .
Zaradi teh storitev z dodano vrednostjo bo SEPA dinamična in napredna , zato jih je treba spodbujati .
In the national retail payment markets today , a number of value-added services already exist , but they are often only offered in connection with national payments .
Na nacionalnih trgih plačil malih vrednosti številne storitve z dodano vrednostjo danes že obstajajo , vendar so pogosto ponujene le v povezavi z nacionalnimi plačili .
To complete the work on SEPA , it is necessary to ensure that these services advance to a SEPA level , where they can be offered to customers in combination with SEPA payments .
Da bi zaokrožili projekt SEPA , je treba zagotoviti nadgradnjo teh storitev na raven SEPA , kjer jih bo mogoče ponuditi strankam v povezavi s SEPA plačili .
ONLINE PAYMENTS AND M-PAYMENTS The EPC has worked on the development of a common scheme for initiating payments at online merchants -- SEPA online payments .
SPLETNA PLAČILA IN M-PLAČILA EPC je dejaven na področju razvoja skupne sheme za plačila pri spletnih trgovcih ( SEPA spletna plačila ) .
In June 2007 , the EPC decided to organise a national consultation .
V juniju 2007 se je odločil , da organizira nacionalna posvetovanja .
The proposal builds on current national solutions that are combined with the SEPA credit transfer .
Predlog temelji na sedanjih nacionalnih rešitvah , ki so povezane s SEPA kreditnim plačilom .
It is a valueadded service that will offer consumers who use online banking an easy payment solution when shopping online .
Gre za storitev z dodano vrednostjo , ki bo potrošnikom , ki uporabljajo spletno bančništvo , ponudila enostavno rešitev za plačevanje pri spletnem nakupovanju .
The Eurosystem welcomes this initiative and encourages the EPC to continue this work , with the aim of reaching a conclusion by December 2007 , and to devise a framework or even a rulebook in this regard .
Eurosistem pozdravlja to pobudo in spodbuja EPC , da nadaljuje delo na tem področju , ki naj bi se zaključilo do decembra 2007 , in na tem področju razvije okvir ali celo pravilnik .
Online payment initiation is only one of many value-added services that will , on the one hand , make the payment process more efficient for customers and , on the other , create new revenue sources for the payment industry .
Spletno plačevanje je le ena od številnih storitev z dodano vrednostjo , ki bo po eni strani strankam omogočila učinkovitejši plačilni postopek , po drugi strani pa ustvarila nove vire prihodka za plačilni sektor .
Other valueadded services that can be combined with SEPA payments are e-invoicing , e-reconciliation and payment initiation / confirmation via mobile telephones ( so-called m-payments ) .
Druge storitve z dodano vrednostjo , ki jih je mogoče povezati s SEPA plačili , so elektronsko izdajanje računov , elektronsko usklajevanje ter sprožitev / potrditev plačila prek mobilnega telefona ( tako imenovana m-plačila ) .
With respect to m-payments in particular , the Eurosystem encourages the EPC to take up work and to come up with a proposal by the end of 2007 .
Zlasti v zvezi z m-plačili Eurosistem spodbuja EPC , da se loti dela na tem področju in pripravi predlog do konca leta 2007 .
COMPETITION VERSUS COOPERATION The Eurosystem acknowledges that the field of value-added services is a competitive domain , in which both banks and non-banks may compete with one other .
KONKURENCA IN SODELOVANJE Eurosistem priznava , da je področje storitev z dodano vrednostjo področje konkurence , kjer tako banke kot nebanke tekmujejo med seboj .
There are currently different initiatives outside the EPC that are ECB Single Euro Payment Area ( SEPA ) July 2007 1 S TAT U S O F , AND R E C O M M E N DAT I O N S CONCERNING , S E PA I N S T R U M E N T S AND INFRASTRUCTURES
Izven EPC trenutno obstaja več pobud , katerih cilj je uskladiti obstoječe nacionalne storitve z dodano vrednostjo , da bi se lahko uporabljale v celotnem območju SEPA .
aimed at harmonising existing national valueadded services , so that these can be used throughout SEPA . Examples are the « Corporate Action on Standards » ( CAST ) project of the European Association of Corporate Treasurers ( EACT ) and the « European E-invoicing Initiative » ( EEI ) of the European Commission .
Primera sta projekta Corporate Action on Standards ( CAST ) , ki ga vodi evropsko združenje poslovnih finančnikov ( EACT ) , in European E-invoicing Initiative ( EEI ) Evropske komisije .
The Eurosystem supports such initiatives , as a minimum degree of standardisation between different offerings will be necessary to avoid the risk of fragmentation .
Eurosistem podpira take pobude , saj je za izognitev tveganju razdrobljenosti potrebna vsaj minimalna stopnja standardizacije med različnimi ponudbami . 1 S TA N J E N A P O D R O Č J U S E PA INSTRUMENTOV IN INFRASTRUKTURE TER ZADEVNA PRIPOROČILA
1.5 THE SINGLE EURO CASH AREA -* Even if the « Single Euro Cash Area » has been reality for European citizens for more than five years now , this is not necessarily the case for all other parties in the cash cycle .
-* Čeprav je „enotno območje eurske gotovine » za evropske državljane zdaj realnost že več kot pet let , pa to ne drži nujno za vse ostale udeležence v gotovinskem ciklu .
Therefore , the Eurosystem has underlined the importance of a fair competitive environment for cash operations on several occasions and has , accordingly , implemented a number of measures regarding its cash services .
Eurosistem je zato ob različnih priložnostih poudaril pomen poštenega konkurenčnega okolja za gotovinske posle in v skladu s tem sprejel vrsto ukrepov glede lastnih storitev , povezanih z gotovino .
Most recently , in February 2007 , the Eurosystem adopted a roadmap for procedural steps contributing , in the medium term , to increased convergence of cash services offered by euro area NCBs .
Kot zadnjega je februarja 2007 sprejel časovni načrt proceduralnih korakov , katerega namen je na srednji rok prispevati k večjemu poenotenju gotovinskih storitev , ki jih nudijo nacionalne centralne banke euroobmočja .
More convergence is important because it would allow different stakeholders -- in particular , those with important cross-border cash activities -- first , to fully reap the benefits of the common currency and , second , to achieve a fair competitive treatment of all parties .
Večje poenotenje je pomembno , saj bo različnim deležnikom -- še zlasti tistim s pomembnimi čezmejnimi gotovinskimi dejavnostmi -- omogočilo , prvič , da v celoti izkoristijo prednosti skupne valute , in drugič , da dosežejo pošteno konkurenčno obravnavo vseh strank .
At the same time , it was underlined that the Eurosystem does not envisage developing a « one size fits all » cash supply system .
Obenem je bilo poudarjeno , da Eurosistem ne predvideva razvoja sistema za oskrbo z gotovino po načelu „ena velikost za vse » .
The different national economic and geographical environments need to be taken into account and the process of convergence will require some flexibility regarding customer requirements , cash infrastructure and transitional periods for implementation .
Upoštevati je treba različna gospodarska in geografska okolja , zato bo proces poenotenja zahteval določeno prožnost glede zahtev strank , gotovinske infrastrukture ter prehodnih obdobij za implementacijo .
The Eurosystem has agreed on the following measures : -* Implementation of « remote access » to NCB cash services : this measure addresses the issue of NCBs providing cash services to credit institutions established outside their jurisdiction (" non-resident banks ") .
Eurosistem je dosegel soglasje glede naslednjih ukrepov : sprejem pologov kovancev na bančnih okencih nacionalnih centralnih bank : za izdajo eurskih kovancev so na splošno pristojne nacionalne oblasti in v večini držav euroobmočja daje kovance v obtok nacionalna centralna banka v imenu ministrstva za finance te države .
Remote access to NCB cash services will be implemented in all euro area Member States by June 2007 .
V nekaterih državah euroobmočja za poslovne subjekte obstajajo omejitve glede pologa ( presežka ) kovancev v gotovinskem oddelku nacionalne centralne banke .
In this context , it may be worth noting that , currently , the main inhibitor of large-scale cross-border cash operations in the euro area , namely the different national rules governing cash transports and the use of firearms , is outside the competence of the Eurosystem .
Eurosistem je sprejel odločitev , da mora biti polog kovancev za profesionalne stranke v nacionalnih centralnih bankah vseh držav članic v euroobmočju omogočen do konca leta 2007 ;
However , the Eurosystem supports the initiative for facilitating cross-border cash transports . Acceptance of coin lodgements at NCB counters : responsibility for the issuance of euro coins generally falls within the competence of the national authorities and , in most euro area Member States , the NCBs put euro coins in circulation on behalf of the respective Ministry of Finance .
elektronska izmenjava podatkov s profesionalnimi strankami za gotovinske pologe in dvige : Eurosistem bo preučil možnost usklajenega pristopa pri elektronskih komunikacijah s profesionalnimi strankami , ki bi omogočal medsebojno izmenljivost podatkov . Predvsem bi morala enotna definicija oblike podatkov in vsebine preprečiti kakršne koli razlike med aplikacijami za stranke v euroobmočju .
In a few euro area Member States , there have been restrictions on commercial parties » lodging of ( surplus ) coins at NCB cash departments .
Na nacionalni ravni imajo nacionalne centralne banke možnost , da ponudijo dodatne alternativne standarde ;
The Eurosystem has agreed that coin lodgements from professional clients shall be accepted at all euro area NCBs by end-2007 .
opustitev zahteve , da morajo biti bankovci pri pologih in dvigih v nacionalni centralni banki razvrščeni po sprednji strani in usmeritvi : sedanja tehnologija tako v napravah za obdelavo bankovcev kot tudi v bankomatih omogoča branje in obdelavo bankovcev v vseh štirih smereh .
Electronic data exchange with professional clients for cash lodgements and withdrawals : the Eurosystem will consider a harmonised approach for electronic communications with professional clients that ensures the interchangeability of data . In particular , a common definition of the data format and content should prevent any differences in applications for clients in the euro area .
Eurosistem bo v skladu s svojim ciljem , da s statutom določene naloge izvaja učinkovito in hkrati zagotovi čimbolj učinkovito uporabo naprav in virov udeležencev v gotovinskem ciklu , ponovno preučil zahtevo večine nacionalnih centralnih bank euroobmočja , da morajo biti bankovci pri pologu ali dvigu na njihovih okencih razvrščeni po sprednji strani in ustrezno usmerjeni ;
At the national level , NCBs have the possibility to offer additional alternative standards . Dropping the requirement to face and orientate banknotes for lodgements and withdrawals at NCBs : technological developments for both banknote processing machines and cash dispensers ( ATMs ) today allow a reading and processing of banknotes in all four orientations .
-* -* implementacija „oddaljenega dostopa » do gotovinskih storitev nacionalnih centralnih bank : ta ukrep rešuje vprašanje gotovinskih storitev nacionalnih centralnih bank za kreditne institucije , ki so ustanovljene zunaj njihove jurisdikcije ( „nerezidenčne banke ") . Oddaljeni dostop bo v vseh državah članicah v euroobmočju izveden do junija 2007 .
In view of its objective of carrying out its statutory tasks efficiently and , at the same time , of making -*
V tem kontekstu velja omeniti , da je dejavnik , ki trenutno najbolj zavira izvajanje obsežnih čezmejnih gotovinskih poslov v euroobmočju , tj .
use of machines and resources of all stakeholders in the cash cycle in the most efficient way , the Eurosystem will reconsider the requirement of most euro area NCBs that banknotes lodged or withdrawn at their counters must be faced and orientated . -* Extension of opening hours and measures with similar effects : in September 2002 , the Eurosystem agreed on a common approach to opening hours and debiting / crediting rules .
-* podaljšanje delovnega časa in ukrepi s podobnim učinkom : septembra 2002 je Eurosistem sprejel skupen pristop glede delovnega časa in pravil za knjiženje v breme oz .
The Eurosystem will explore the scope for a further harmonisation of opening hours or measures with similar effects , taking into account the different cash infrastructures .
v dobro . Eurosistem bo preučil možnosti za nadaljnje poenotenje delovnega časa in ukrepov s podobnim učinkom , pri čemer bo upošteval razlike med gotovinskimi infrastrukturami ;
Common packaging standards for NCB 's free-of-charge cash services : the Eurosystem will explore the possibility of developing a limited number of packaging standards ( suitable for e.g. small , medium and large transports of banknotes ) for free-of-charge cash services .
enotni standardi za embalažo za brezplačne gotovinske storitve nacionalnih centralnih bank : Eurosistem bo preučil možnost razvoja omejenega števila standardov za embalažo ( primerne na primer za majhne , srednje in velike prevoze bankovcev ) za brezplačne gotovinske storitve .
NCBs may use additional packaging formats , upon request at the national level .
Nacionalne centralne banke lahko na zahtevo na nacionalni ravni uporabljajo dodatne oblike embalaže .
As the issues to be addressed have a bearing on other stakeholders in the cash cycle and as they could have operational and cost implications , consultations and discussions will be held at both the national and the European level .
Ker vprašanja , ki jih bo treba rešiti , vplivajo na druge udeležence v gotovinskem ciklu in lahko vplivajo na operativne postopke in stroške , bodo tako na nacionalni kot na evropski ravni organizirana posvetovanja in razprave .
It is expected that the timetables would become clear towards the end of 2007 .
Po pričakovanjih bo urnik zanje jasen proti koncu leta 2007 .
IMPLEMENTATION AND MIGRATION TOWARDS SEPA NATIONAL IMPLEMENTATION AND MIGRATION PLANS
IMPLEMENTACIJA IN MIGRACIJA NA SEPA NACIONALNI NAČRTI IMPLEMENTACIJE IN MIGRACIJE
framework , which will be used by banking communities and payment systems to develop their individual test programmes . While the banks have made substantial efforts to become ready for the launch of SEPA , the preparedness of public administrations , corporates , small and medium-sized enterprises ( SMEs ) , merchants and software providers gives rise to some concern .
programov NAČRTI IMPLEMENTACIJE BI MORALI BITI PRIPRAVLJENI DO KONCA LETA 2007 IN DOSTOPNI JAVNOSTI V svojem četrtem poročilu o napredku SEPA je Eurosistem od vseh deležnikov zahteval , da pripravijo podrobne nacionalne načrte implementacije in migracije ter tako zagotovijo nemoten začetek SEPA in kasnejšo migracijo kritične mase plačil v okolje SEPA .
At the October 2006 meeting of the Ecofin Council , national public authorities committed themselves to supporting SEPA .
Večina nacionalnih skupnosti načrtov do konca leta 2006 , kot je prvotno zahteval Eurosistem , ni pripravila , so se pa od takrat prizadevanja okrepila .
The Eurosystem urges the national public authorities to transform this political support into concrete action , by their becoming operationally ready to send and receive SEPA payments , ideally , by the start of SEPA in January 2008 .
Doslej so skoraj vse nacionalne skupnosti opredelile in objavile celovite nacionalne načrte implementacije , čeprav so nekateri še v postopku dokončevanja in izboljšanja .
END DATE FOR THE MIGRATION PERIOD Migration to SEPA is seen as a gradual , marketdriven process , so that a critical mass of transactions will have migrated by end-2010 . To encourage « first movers » , the Eurosystem sees the need for national methodologies that define clear objectives for phasing out national solutions .
Biti morajo konkretni in natančni ter zagotavljati smernice za vse deležnike . Eurosistem pričakuje , da bodo zaradi večje preglednosti vsi načrti prevedeni v angleščino in objavljeni v elektronski obliki na novem seznamu SEPA povezav ( www.sepa .
The national migration bodies should be aware that the migration period should not take too long , so as to avoid a lengthy period of dual processing . The migration bodies should elaborate criteria that determine the end of the migration phase from national payment instruments to the SEPA equivalents .
6 SPREMLJANJE PRIPRAV EPC in Eurosistem z nacionalnimi implementacijskimi odbori , ki jim pogosto sopredsedujejo nacionalne centralne banke , skupaj s predstavniki bank in uporabnikov spremljajo priprave na uvedbo SEPA na nacionalni ravni . Eurosistem med nacionalnimi centralnimi bankami redno izvaja ankete , s katerimi spremlja stanje .
Once this has been done , a precise end date for the use of national payment instruments should be set and any party displaying a reluctance to adopt the new payment instruments should be pressed to finalise its migration . The Eurosystem is aware of the request of multi-country end-users for a common end date across SEPA .
Za večjo doslednost delovanja v euroobmočju posreduje nacionalnim implementacijskim organom povratne informacije . Usklajen pristop k implementaciji so zahtevale predvsem banke in uporabniki , ki poslujejo v več državah .
In this context , it should be borne in mind that a phasing-out will be necessary , as a continued parallel processing of national and SEPA instruments would not allow stakeholders to realise the efficiency gains that SEPA can bring . 7 6 See the Annex for the current list of national migration plans on the website : www.sepa.eu .
Da bi EPC zagotovil operativno pripravljenost bank , je razvil SEPA testni okvir , ki ga bodo bančne skupnosti in plačilni sistemi lahko Medtem ko so banke že izvedle obširne priprave , da bi bile pripravljene na začetek SEPA , je raven pripravljenosti javne uprave , korporacij , majhnih in srednje velikih podjetij , trgovcev in ponudnikov programske opreme nekoliko zaskrbljujoča .
The ECB will publish a paper on the potential economic consequences of SEPA for the banking industry . 2.1
Na sestanku Ekonomskofinančnega sveta EU oktobra 2006 so se predstavniki nacionalnih javnih oblasti zavezali , da bodo podprli SEPA .
IMPLEMENTATION PLANS SHOULD BE IN PLACE BY THE END OF 2007 AND SHOULD BE MADE AVAILABLE TO THE PUBLIC In its fourth progress report on SEPA , the Eurosystem requested all stakeholders to prepare detailed national implementation and migration plans to facilitate a smooth start of SEPA and the subsequent migration of a critical mass of payments to the SEPA environment . While most national communities did not have their plans available by the end of 2006 , as had originally been requested by the Eurosystem , efforts have been stepped up in the meantime .
Eurosistem zato poziva nacionalne javne oblasti , da politično podporo pretvorijo v konkretne ukrepe s tem , da postanejo pripravljene za pošiljanje in prejemanje SEPA plačil , v idealnem primeru že do začetka SEPA v januarju 2008 . KONČNI DATUM ZA OBDOBJE MIGRACIJE Migracija na SEPA je razumljena kot postopen in tržno pogojen proces , tako da bi kritična masa transakcij migrirala do konca leta 2010 .
At present , almost all national communities have defined and published comprehensive national implementation plans , although some are still in the process of finalisation or refinement .
Eurosistem meni , da so za spodbudo „prvim migrantom » potrebne nacionalne metodologije , ki bodo opredelile jasne cilje za postopno opustitev nacionalnih rešitev .
All national implementation and migration plans must be finalised and published by the end of 2007 . The plans should be concrete and precise , and provide guidance to all stakeholders .
Nacionalni organi za migracijo se morajo zavedati , da obdobje migracije ne sme biti predolgo , tako da bi se izognili dolgemu obdobju dvojnosti pri obdelavi plačil .
The Eurosystem expects that all plans will be translated into English to increase transparency and that they will be published online on the new SEPA link directory ( www . sepa .
Migracijski organi morajo opredeliti merila , ki bodo določila konec obdobja migracije z nacionalnih plačilnih instrumentov na ustrezne SEPA instrumente .