natgillin/translations-raw huggingface dataset:
The EPC has stated that banks can only launch the SEPA direct debit scheme on a euro area-wide basis after the transposition of the Payment Services Directive into all national laws ( at the latest , this should happen by 1 November 2009 ) .
EPC je izpostavil , da lahko banke shemo SEPA direktnih obremenitev vzpostavijo v celotnem euroobmočju šele potem , ko bo Direktiva o plačilnih storitvah prenesena v vse nacionalne zakonodaje ( to naj bi se zgodilo najpozneje do 1 . novembra 2009 ) .
However , this should not discourage , or even prevent , any bank or banking community from offering SEPA direct debits to their customers at the national or banking community level at an earlier stage , provided that this occurs in full compliance with the SEPA Direct Debit Rulebook .
Kljub temu to ne bi smelo odvrniti katere koli banke ali bančnega sektorja ali jim celo preprečiti , da bi SEPA direktne obremenitve že pred tem ponudili svojim strankam na nacionalni ravni ali na ravni bančne skupnosti , pod pogojem , da pri tem v celoti upoštevajo Pravilnik za SEPA direktne obremenitve ( SEPA Direct Debit Rulebook ) .
FURTHER CARD STANDARDISATION IS VITAL AND WORK IN THIS FIELD NEEDS TO MAKE PROGRESS
NADALJNJA STANDARDIZACIJA NA PODROČJU KARTIC JE BISTVENA , DELO NA TEM PODROČJU PA MORA NAPREDOVATI
The further definition of card standards is crucial in order to achieve full interoperability
Za zagotovitev popolne interoperabilnosti med vsemi vpletenimi strankami pri obdelavi kartičnih plačil ( vključno s trgovci in procesnimi centri ) ter za vzpostavitev večje konkurence in lažji razvoj dodatnih evropskih shem debetnih kartic ( glej točko 3 spodaj ) je ključna nadaljnja
between all parties involved in the processing of card payments ( including merchants and processors ) , as well as to create more competition and to facilitate the emergence of additional European debit card schemes ( see item 3 below ) .
POVZETEK opredelitev kartičnih standardov .
The Eurosystem expects the banking industry , the respective card schemes and standard-setting entities to continue their work in this field , which should be coordinated by the EPC , and to finalise the definition of these standards in 2008 , at the latest .
Eurosistem pričakuje , da bodo bančni sektor , zadevne kartične sheme in določevalci standardov nadaljevali delo na tem področju , ki ga mora usklajevati EPC , ter da bo opredelitev teh standardov dokončana najkasneje v letu 2008 .
The final definition of card standards should be accompanied both by an analysis as to which of these should become mandatory for the creation of a SEPA for cards and by the publication of a clear timetable for their implementation .
Končno opredelitev teh standardov bi morala spremljati analiza vprašanja , kateri od teh standardov naj postanejo obvezni za oblikovanje SEPA za kartice , ter objava jasnega časovnega načrta za njihovo izvedbo .
The Eurosystem view is that a SEPA-compliant scheme should use commonly defined , open standards wherever these are available ( ISO , EMV , etc .) ; proprietary functional and technical specifications should not impair interoperability , nor interfere with minimum security requirements .
Po mnenju Eurosistema bi morale sheme , skladne z zahtevami SEPA , uporabljati skupno opredeljene odprte standarde , kjer koli so ti na voljo ( ISO , EMV itd .
To ensure that all relevant SEPA requirements are taken into consideration , card standards for SEPA should be elaborated by standardisation bodies in which the European banking industry is well represented . therefore , the Eurosystem does not necessarily expect the final establishment of such a scheme by 2008 , or even by 2010 .
) , lastniške funkcionalne in tehnične specifikacije pa ne bi smele ovirati interoperabilnosti ali biti v nasprotju z minimalnimi varnostnimi zahtevami . Da bi zagotovili upoštevanje vseh zadevnih zahtev SEPA , bi morali kartične standarde za SEPA oblikovati organi za standardizacijo , v katerih je evropski bančni sektor ustrezno zastopan .
As soon as possible , however , the Eurosystem expects clear signals from banks , schemes and other market players that they are working on the setting-up of such a scheme .
4 KARTIČNE SHEME LAHKO S SOUPORABO BLAGOVNIH ZNAMK ( CO-BRADNING ) PRIDOBIJO ČAS ZA RAZVOJ DOLGOROČNE STRATEGIJE
CO-BRANDING CAN HELP CARD SCHEMES TO GAIN THE TIME NEEDED FOR THE DEVELOPMENT OF A LONG-TERM STRATEGY Subject to the condition that all card schemes concerned are SEPA-compliant , co-branding is a way for issuing banks to provide their customers with a card that has a Europe-wide reach while current domestic card schemes -- or a new European debit card scheme in its startup phase -- have not yet achieved a Europe-wide reach on the acquiring side .
Souporaba blagovnih znamk je možnost , da banke izdajateljice svojim strankam zagotovijo kartico z evropskim dosegom -- pod pogojem , da so vse zadevne kartične sheme skladne z zahtevami SEPA -- dokler sedanje domače kartične sheme ( ali nova evropska shema debetnih kartic v začetni fazi ) na strani pridobiteljev še nimajo evropskega dosega .
Co-branding is also one of the three options offered to card schemes to become SEPA-compliant in the long run .
Souporaba blagovnih znamk je tudi ena od treh možnosti , ki kartičnim shemam omogočajo , da dolgoročno postanejo skladne z zahtevami SEPA .
However , co-branding cannot be the only solution chosen by the European banking sector in this regard , nor should it be used as a « waitand-see » approach , as substitute for the active development of ( a ) new European scheme ( s ) .
Kljub temu pa souporaba blagovnih znamk ne more biti edina rešitev za evropski bančni sektor niti se ne bi smela uporabiti kot pristop „počakajmo in bomo videli » , ki bi nadomestil aktiven razvoj nove evropske sheme oziroma shem .
3 THERE IS A NEED FOR AT LEAST ONE ADDITIONAL EUROPEAN DEBIT CARD SCHEME
5 3 POTREBNA JE VSAJ ŠE ENA EVROPSKA SHEMA DEBETNIH KARTIC
5 REACHABILITY IS THE KEY
DOSEGLJIVOST JE KLJUČNA
The Eurosystem is of the opinion that there is a genuine need for at least one additional European debit card scheme , which could be used mainly in the euro area countries .
Eurosistem meni , da je resnično potrebna vsaj še ena evropska shema debetnih kartic , ki bi se lahko uporabljala predvsem v državah euroobmočja .
Such a scheme would stimulate competition and would ensure the close involvement of European banks in the governance of the scheme .
Takšna shema bi spodbujala konkurenco in zagotovila , da bi bile evropske banke tesno vpletene v vladanje shemi .
A wider coverage in all countries of the EU , for instance , would be welcomed .
Dobrodošlo bi bilo tudi širše pokritje , na primer vseh držav EU .
Global reach is just an option since banks could provide wider coverage via co-branding .
Svetovni doseg je le možnost , saj lahko banke omogočijo širše pokritje s souporabo blagovnih znamk ( co-branding ) .
Any additional European debit card scheme should operate under EU law and should , accordingly , process personal data in line with EU data protection laws .
Vsaka dodatna evropska shema debetnih kartic bi morala delovati v skladu z zakonodajo EU in bi posledično morala obdelovati osebne podatke v skladu z zakoni EU o varstvu podatkov . Eurosistem razume , da bo za vzpostavitev evropske sheme debetnih kartic potreben čas , zato ne pričakuje , da bo takšna shema dokončno vzpostavljena do leta 2008 ali do leta 2010 .
The Eurosystem understands that setting up a European debit card scheme will require time ;
Kljub temu pa Eurosistem pričakuje , da bodo banke , sheme in drugi tržni udeleženci čim prej dali jasen signal , da se ukvarjajo z vzpostavitvijo takšne sheme .
It is crucial for the successful launch of SEPA that those banks whose payment volumes represent the critical mass of payments are able to send and to receive SEPA credit transfers as from January 2008 .
Za uspešen začetek SEPA je bistveno , da so banke , katerih obseg plačil predstavlja kritično maso plačil , z januarjem 2008 1 sposobne pošiljati in prejemati SEPA kreditna plačila .
1 These banks should therefore have made appropriate arrangements with one or more banks , or clearing and settlement mechanisms ( CSMs ) , by January 2008 .
Tako bi morale te banke do januarja 2008 vzpostaviti ustrezne povezave z eno ali več bankami oziroma z mehanizmi kliringa in poravnave ( Clearing and Settlement Mechanism -- CSM ) .
However , the Eurosystem has accepted 1 The new SEPA credit transfers will be available as from Monday , 28 January 2008 .
Eurosistem je hkrati sprejel nedavno izraženo stališče EPC , da bi morale biti druge manjše banke z januarjem 2008 sposobne le prejemati SEPA kreditna plačila , tekom leta 2008 pa bi morale biti sposobne , da jih tudi pošiljajo . 1
This date was chosen in order to decouple the go-live date for customers from the end-of-year routines common to both banking and industry , the traditional freeze on changes to banking processes imposed in the period around Christmas and the New Year and other mandatory changes scheduled for this period , such as the introduction of the euro in Malta and Cyprus .
Ta datum je bil izbran z namenom ločiti začetek uporabe za stranke od postopkov ob koncu leta , ki so skupni tako bančništvu kot industriji , tradicionalne zamrznitve sprememb bančnih postopkov v obdobju okoli božiča in novega leta ter drugih obveznih sprememb , načrtovanih za to obdobje , kot sta uvedba eura na Malti in Cipru .
INFRASTRUCTURES SHOULD COMPLY WITH THE EUROSYSTEM' S SEPA-COMPLIANCE CRITERIA
INFRASTRUKTURA MORA UPOŠTEVATI KRITERIJE EUROSISTEMA GLEDE SKLADNOSTI Z ZAHTEVAMI SEPA
The Eurosystem has defined criteria to assess the compliance of infrastructures with the needs of SEPA , which address the issues of processing , interoperability , sending and receiving capacity , access conditions and transparency .
Eurosistem je za oceno skladnosti infrastrukture s potrebami SEPA opredelil kriterije , ki zajemajo obdelavo , interoperabilnost , sposobnost pošiljanja in prejemanja , pogoje dostopa in preglednost .
These criteria will be complemented by more detailed terms of reference , and infrastructures will be requested to carry out a self-assessment on the basis of these terms of reference .
Te kriterije bo dopolnil podrobnejši referenčni okvir , vsi ponudniki infrastrukture pa bodo morali na podlagi tega izvesti samooceno .
Using common terms of reference will make the selfassessments , which should be made public , comparable for interested market players .
Uporaba skupnega referenčnega okvira bo zainteresiranim tržnim udeležencem omogočila primerjavo samoocen , ki bodo morale biti javno objavljene .
The EPC has been invited to take these criteria into consideration when reviewing policies regarding payment system infrastructures ( e.g. by updating their PE-ACH / CSM Framework ) .
EPC je bil pozvan , da te kriterije upošteva tudi pri presoji politik v zvezi z infrastrukturo plačilnih sistemov ( na primer s posodabljanjem okvira PE-ACH / CSM ( PE-ACH / CSM Framework )) .
The EPC , in its role as the market-driven decision-making body for the European payments industry , is encouraged to continue its activities once SEPA has become reality . In this regard , the EPC is expected to contribute to the broadening of SEPA in the field of payment innovation , such as e-payments for internet retailers , e-mandates for direct debits and new payment schemes such as a priority credit transfer scheme .
prispeval k širitvi SEPA na področju plačilnih inovacij , kot so elektronska plačila za spletne trgovce , elektronska pooblastila za direktne obremenitve ter nove plačilne sheme ( na primer shema za prioritetna kreditna plačila ) .
In the same vein , the EPC is expected to contribute to the deepening of SEPA , mainly by ensuring standardisation in the customer-to-bank field .
Podobno naj bi EPC prispeval k poglabljanju SEPA , predvsem s standardizacijo v domeni komitentbanka .
THE SECURITY OF SEPA PAYMENT INSTRUMENTS NEEDS TO RECEIVE MORE ATTENTION
VARNOSTI SEPA PLAČILNIH INSTRUMENTOV JE TREBA POSVETITI VEČ POZORNOSTI
THE INVOLVEMENT OF ALL RELEVANT SEPA STAKEHOLDERS SHOULD BE REINFORCED
TREBA JE OKREPITI VKLJUČENOST VSEH USTREZNIH DELEŽNIKOV ZNOTRAJ SEPA
The current level of involvement of non-bank stakeholders in the practical preparations for SEPA , and also the state of their operational preparedness , is seen by the Eurosystem as a cause for concern .
Sedanja raven vključenosti nebančnih deležnikov v praktične priprave na vzpostavitev SEPA ter stanje njihove operativne pripravljenosti sta po mnenju Eurosistema zaskrbljujoča .
The Eurosystem encourages the EPC , in cooperation with national migration bodies , to strengthen the involvement of , in particular , public administrations , corporate enterprises and merchants so as to ensure their readiness for SEPA by January 2008 .
Eurosistem spodbuja EPC , da v sodelovanju z nacionalnimi organi za migracijo okrepi predvsem vključenost javnih uprav , podjetij in trgovcev s ciljem do januarja 2008 zagotoviti njihovo pripravljenost na SEPA .
The Eurosystem invites public authorities to transform their political support for the SEPA project into operational commitments aimed at using the SEPA payment instruments as soon as possible .
Eurosistem poziva javne oblasti , da svojo politično podporo projektu SEPA preoblikujejo v operativne zaveze , katerih cilj mora biti čimprejšnja uporaba SEPA plačilnih instrumentov .
The Eurosystem would like to reiterate the urgent need for work on the security of payments , especially in the field of internet banking , card payments via the internet and e-payments .
Eurosistem bi rad znova poudaril , da je nujno potrebno delo na področju varnosti plačil , zlasti na področjih spletnega bančništva , kartičnih plačil prek spleta in elektronskih plačil .
The EPC has taken primarily interbank security into account , but has not specified end-to-end security issues .
EPC je doslej upošteval predvsem medbančno varnost , ni pa opredelil vprašanj v zvezi z varnostjo pri obdelavi plačil od začetka do konca .
Ensuring security in these domains is in the interests of the banking community , given that financial and reputational risks could ensue from a lack of security .
Zagotavljanje varnosti na teh področjih je v interesu bančnega sektorja , saj bi lahko pomanjkanje varnosti povzročilo finančna tveganja in tveganje izgube ugleda .
These reputational risks should not be underestimated , as public confidence in new products will be decisive to ensure their successful adoption .
Tveganja izgube ugleda ne bi smeli podcenjevati , saj bo zaupanje javnosti v nove produkte odločilno pri zagotavljanju njihovega uspešnega sprejetja .
The EPC is therefore requested to undertake a threat assessment encompassing the complete end-to-end process , to develop a set of best practices and to promote the use of these practices by the banks .
Od ECP se zato pričakuje , da bo pripravil oceno groženj , ki bo vključevala celoten proces od začetka do konca obdelave plačil , razvijal pravila dobre prakse ter banke spodbujal , da ravnajo v skladu s temi pravili .
ECB Single Euro Payment Area ( SEPA ) July 2007
Eurosistem priznava ogromno delo , ki ga je EPC opravil , da bi bila SEPA uspešna .
CONCRETE IMPLEMENTATION AND MIGRATION PLANS SHOULD BE PUBLICLY AVAILABLE
Od EPC se tako pričakuje , da bo
All national implementation and migration plans must be finalised and published by the end of 2007 .
Vsi nacionalni načrti implementacije in migracije morajo biti dokončani in objavljeni do konca leta 2007 .
The plans should be concrete and precise , and should provide guidance to all stakeholders .
Biti morajo konkretni in natančni ter vključevati smernice za vse deležnike .
The Eurosystem expects all plans to be translated into English , as they will be published online on the new SEPA link directory ( www.sepa.eu ) to increase transparency .
Eurosistem pričakuje , da bodo vsi načrti prevedeni v angleščino , saj bodo zaradi večje preglednosti objavljeni v elektronski obliki na novem seznamu SEPA povezav ( www.sepa.eu ) .
National migration bodies should be aware that the SEPA migration period should not be too lengthy , so as to avoid a long and costly period of dual processing .
Nacionalni organi za migracijo se morajo zavedati , da obdobje migracije ne sme biti predolgo , da bi se izognili dolgemu in dragemu obdobju dvojnosti pri obdelavi plačil .
The migration bodies should elaborate criteria that determine the end of the phase of migration from national payment instruments to SEPA instruments .
POVZETEK Organi za migracijo morajo opredeliti kriterije , ki bodo določali konec faze migracije z nacionalnih plačilnih instrumentov na SEPA instrumente .
Once this has been done , a precise end date for the use of national payment instruments should be agreed .
Ko bo to opravljeno , je treba določiti natančen datum konca uporabe nacionalnih plačilnih instrumentov .
Multi-country customers , in particular , as well as multi-country banks , request a clear end date .
Jasen končen datum zahtevajo predvsem stranke s posli v več državah kakor tudi banke , ki poslujejo v več državah .
In this context , it should be borne in mind that a phasing-out of national payment instruments will be necessary , as the continued parallel processing of national and SEPA instruments will not allow stakeholders to realise the efficiency gains that SEPA can bring about .
V tem kontekstu je treba upoštevati , da bo postopna odprava nacionalnih plačilnih instrumentov nujna , saj dolgotrajna vzporedna obdelava nacionalnih in SEPA instrumentov deležnikom ne bi omogočila izkoristiti večje učinkovitosti , ki jo SEPA omogoča .
target groups .
čimprej zaključi .
Communication efforts aimed at other end-users should be stepped up in 2008 .
Eurosistem je že predlagal , da se prag za poročanje za potrebe plačilne bilance s 1 .
In particular , banks should present their actual service offerings , so that their customers know what to expect from SEPA .
januarjem 2008 zviša na 50.000 EUR , ter v zvezi s tem pozdravlja odločitev ustreznih organov v več državah , da prag za poročanje zvišajo , še preden je sprejeta evropska odločitev .
EXECUTIVE S U M M A RY 12
POTREBNE SO KONKRETNEJŠE INFORMACIJE O SEPA
REPORTING REQUIREMENTS IN THE LIGHT OF SEPA 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 .
Namen SEPA komunikacijskega programa je vsem deležnikom posredovati informacije o dolgoročnih ciljih , izzivih in prednostih , ki jih prinaša SEPA . Ključne ciljne skupine na sedanji stopnji ( tj .
The Eurosystem asks the European Commission to finalise its work on the review of Regulation 2560/2001 as soon as possible .
sredi leta 2007 ) so podjetja in javne uprave kot veliki uporabniki plačilnih storitev ter združenja majhnih in srednje velikih podjetij in zveze potrošnikov kot predstavniki manjših uporabnikov .
The Eurosystem has already suggested raising the threshold for balance of payments reporting to Euros 50,000 as from 1 January 2008 and , in this regard , welcomes the decisions by the relevant authorities in several countries to raise the reporting threshold without waiting for a European decision .
Večino dejavnosti obveščanja morajo prevzeti banke , nacionalni organi za migracijo in javne oblasti , saj imajo dostop do vseh ključnih informacij in imajo neposredne povezave z ustreznimi ciljnimi skupinami .
MORE CONCRETE COMMUNICATION ON SEPA IS NEEDED
Dejavnosti obveščanja , namenjene končnim uporabnikom , se morajo okrepiti v letu 2008 .
The SEPA communications programme is aimed at informing all stakeholders about the longterm goals , challenges and benefits of SEPA .
Predvsem bi morale banke predstaviti dejansko ponudbo storitev , tako da bodo njihove stranke vedele , kaj lahko od SEPA pričakujejo .
The key target groups at this stage ( i.e. in mid2007 ) are corporates and public administrations in their function as large users of payment services , on the one hand , and the associations of small and medium-sized enterprises ( SMEs ) and consumers as the representatives of the smaller users , on the other .
ZAHTEVE POROČANJA V LUČI SEPA Vse zapreke in ovire , ki bi lahko onemogočile vzpostavitev SEPA , je treba odpraviti , da bi na področju storitev za plačila malih vrednosti zagotovili učinkovito čezmejno konkurenco .
Most of the communication efforts should be undertaken by banks , by national migration entities and by public authorities , as they have access to all key information and have direct links to all relevant ECB Single Euro Payment Area ( SEPA ) July 2007
Eurosistem naproša Evropsko komisijo , da svoje delo v zvezi z revizijo Uredbe 2560/2001 ECB Enotno območje plačil v eurih ( SEPA ) julij 2007
INTRODUCTION The Eurosystem supports the creation of the Single Euro Payments Area ( SEPA ) , which aims at enabling retail payments in euro to be made throughout the euro area under the same basic conditions from a single account , regardless of its location .
UVOD Eurosistem podpira oblikovanje enotnega območja plačil v eurih ( SEPA ) , katerega cilj je omogočiti opravljanje plačil malih vrednosti v eurih v celotnem euroobmočju pod enakimi osnovnimi pogoji in z enega samega računa , ne glede na to , kje se ta nahaja .
As already pointed out by the Eurosystem in the past , SEPA is aimed at achieving a situation where « individuals and corporations are able to make cashless payments throughout the euro area from a single payment account anywhere in the euro area using a single set of payment instruments as easily , efficiently and safely as they can make them today at the national level » .
Kot je Eurosistem v preteklosti že poudaril , je cilj SEPA ustvariti razmere , kjer „posamezniki in podjetja lahko opravljajo negotovinska plačila v celotnem euroobmočju z enega samega računa , ki se nahaja kjer koli v euroobmočju , in z uporabo enega niza plačilnih instrumentov tako preprosto , učinkovito in varno , kot danes opravljajo plačila znotraj svoje države » .
The establishment of SEPA is a market-driven project , which is coordinated and promoted by the European Payments Council ( EPC ) , the banking industry 's self-regulatory body in the field of payment services .
Vzpostavitev SEPA je tržno pogojen projekt , ki ga usklajuje in spodbuja Evropski svet za plačila ( EPC ) , tj . samoregulativni organ bančnega sektorja na področju plačilnih storitev .
In its role as a catalyst for change , the Eurosystem is closely monitoring the developments towards SEPA .
Eurosistem , ki deluje kot katalizator sprememb , natančno spremlja dogajanja na poti k SEPA .
Four progress reports on the topic have been published by the Eurosystem so far , all of which assessed the state of preparations and provided guidance to the market .
Doslej je Eurosistem o tem objavil štiri poročila o napredku , vsa pa so ocenjevala stanje pripravljenosti in dajala smernice trgu .
Moreover , a report specifically addressing card payment schemes has also been published .
Ob tem je bilo objavljeno tudi poročilo , ki se posebej ukvarja s shemami kartičnih plačil .
Since the publication of the fourth progress report in February 2006 , many new developments have taken place .
Od objave četrtega poročila o napredku februarja 2006 je prišlo do številnih sprememb .
In addition , the project is reaching a critical phase , as the official launch of SEPA in January 2008 is now only a few months away .
Hkrati projekt prehaja v ključno fazo , saj je uradni začetek SEPA v januarju 2008 zdaj oddaljen le še nekaj mesecev .
At this stage , the Eurosystem considers it helpful to issue a further progress report , which focuses on those areas where work remains to be done by the market in order to ensure the success of SEPA .
Na tej stopnji je po mnenju Eurosistema koristno objaviti še eno poročilo o napredku , ki se osredotoča na tista področja , kjer mora trg za zagotovitev uspeha SEPA delo še opraviti .
The addressees of the report are not only the banks , but all relevant stakeholders such as corporate enterprises , public administrations and merchants .
Naslovniki poročila niso samo banke , ampak tudi ustrezni deležniki , kot so podjetja , javne uprave in trgovci .