natgillin/translations-raw huggingface dataset:
It would be worthwhile considering these issues more carefully .
Ta vprašanja bi veljalo bolj skrbno preučiti .
4.6 In applying Article 15 of the proposed directive , the competences of the ESCB and of national central banks with respect to the smooth operation of payment systems and , in those Member States where applicable , the competences of national central banks in the field of supervision should be duly respected .
4.6 Pri uporabi člena 15 predlagane direktive je treba primerno spoštovati pristojnosti ESCB in nacionalnih centralnih bank v zvezi z nemotenim delovanjem plačilnih sistemov in , v tistih državah , kjer to pride v upoštev , pristojnosti nacionalnih centralnih bank na področju nadzora .
4.7 The supervisory powers of the competent authorities under Article 16 of the proposed directive could be made clearer in a number of respects .
4.7 Pooblastila pristojnih organov glede nadzora po členu 16 predlagane direktive bi bila lahko določena jasneje v številnih pogledih .
First , the scope of « on-site inspections » ( Article 16 ( b )) could be more precisely specified .
Prvič , obseg „inšpekcijskih pregledov na kraju samem » ( člen 16 ( b )) bi bil lahko natančneje opredeljen .
Second , the exact meaning of the power to impose « proportionate penalties » ( Article 16 ( d )) could also be clarified .
Drugič , natančen pomen pooblastila za nalaganje „sorazmernih kazni » ( člen 16 ( d )) bi bil prav tako lahko pojasnjen .
Third , the conditions for suspension and withdrawal of an authorisation ( Article 16 ( e )) could be defined , possibly by means of a separate provision .
Tretjič , pogoji za začasen preklic in odvzem dovoljenja ( člen 16 ( e )) bi bili lahko opredeljeni , po možnosti z ločeno določbo .
In order to achieve a sufficient level playing field within the European area and sufficient efficiency in the supervision of institutions benefiting from free establishment and free provision of services , Article 16 of the proposed directive should be amended to ensure that all competent authorities have all the powers provided for by this Article , in particular supervisory and enforcement abilities .
Za dosego zadostno enakih pogojev znotraj evropskega območja in zadostne učinkovitosti pri nadzoru nad institucijami , ki uživajo svobodo ustanavljanja in svobodo opravljanja storitev , je treba spremeniti člen 16 predlagane direktive , s čimer bi se zagotovilo , da imajo vsi pristojni organi vsa pooblastila , določena v tem členu , zlasti glede možnosti nadzora in izvrševanja ukrepov .
4.8 Article 19 of the proposed directive provides for Member States to allow exchanges of information between their competent authorities , central banks , the ESCB and the ECB .
4.8 Člen 19 predlagane direktive določa , da države članice dovolijo izmenjavo informacij med svojimi pristojnimi organi , centralnimi bankami , ESCB in ECB .
While this provision is , in principle , welcome , it is suggested that if the competent authority is an entity other than the central bank , and the latter is also the payment system overseer , it should be complemented by other provisions stipulating that : ( i ) prior to granting or suspending / withdrawing a licence , the competent authority has to consult the relevant central bank ;
Čeprav je ta določba načeloma dobrodošla , predlagamo , da bi jo bilo treba v primeru , če je pristojni organ subjekt , ki ni centralna banka , pri čemer slednja tudi opravlja pregled na delovanjem plačilnih sistemov , dopolniti z drugimi določbami : ( i ) da se mora pristojni organ , preden izda ali začasno prekliče / odvzame dovoljenje , posvetovati s pristojno centralno banko ;
and ( ii ) competent authorities are obliged to share information with the relevant central bank .
in ( ii ) da so pristojni organi dolžni deliti informacije s pristojno centralno banko .
Such provisions would be beneficial , given the overall responsibility of central banks in the field of payments .
Takšne določbe bi bile koristne glede na splošno odgovornost centralnih bank na področju plačil .
5 Banking or e-money licence 5.1 If payment institutions are allowed to hold funds which in both economic and legal terms qualify as deposits , although conceptually not characterised as such under the proposed directive , the level of risk will be equal to that of credit or e-money institutions .
5 Dovoljenje za opravljanje bančnih storitev ali za izdajo elektronskega denarja 5.1 Če je plačilnim institucijam dovoljeno imeti sredstva , ki v ekonomskem in pravnem smislu veljajo za depozite , čeprav konceptualno niso označeni kot taki po predlagani direktivi , bo stopnja tveganja enaka tisti , ki jo nosijo kreditne institucije ali institucije za izdajo elektronskega denarja .
Accordingly , the level of safeguards should be the same as that applied to credit and / or e-money institutions .
Glede na to bi morala biti tudi stopnja zaščitnih ukrepov enaka tisti , ki velja za kreditne institucije in / ali institucije za izdajo elektronskega denarja .
It follows that payment services should preferably be restricted to credit or e-money institutions .
Iz tega sledi , da bi morale biti plačilne storitve po možnosti omejene na kreditne institucije ali institucije za izdajo elektronskega denarja .
This would ensure sufficient protection of customer funds and sound financial activity , and is therefore the ECB 's preferred approach .
To bi zagotovilo zadostno zaščito sredstev potrošnikov in zanesljivo finančno dejavnost , zato je to za ECB prednostni pristop .
5.2 If the level of safeguards imposed on credit and / or e-money institutions is also established for payment institutions , then Title II of the proposed directive would need to be fundamentally redrafted .
5.2 Če je stopnja zaščitnih ukrepov , naloženih kreditnim institucijam in / ali institucijam za izdajo elektronskega denarja , uvedena tudi za plačilne institucije , potem bi bilo treba Naslov II predlagane direktive temeljito spremeniti .
6 Limiting the activities of payment institutions 6.1 If the category of lightly-supervised payment institutions is introduced , as proposed by the Commission , the proposed directive should be amended to make it clear that payment institutions should not be allowed to keep payment service users » funds for longer than the limited time period during which they are being transferred from payer to payee , nor should they be allowed to reinvest such funds .
6 Omejitev dejavnosti plačilnih institucij 6.1 Če bo uvedena kategorija milo nadzorovanih plačilnih institucij , kakor predlaga Komisija , bi bilo treba predlagano direktivo spremeniti v smislu , da bi se jasneje določilo , da plačilnim institucijam ne bi smelo biti dovoljeno , da hranijo sredstva uporabnikov plačilnih storitev dlje kot omejen čas , v katerem se sredstva prenesejo od plačnika do prejemnika plačila , prav tako pa jim tudi ne bi smelo biti dovoljeno , da ta sredstva ponovno nalagajo .
The current wording of Article 10 ( 2 ) of the proposed directive could otherwise lead to the conclusion that the opening of accounts by payment institutions in their books implies that the funds received could C 109/14
Trenutno besedilo člena 10 ( 2 ) predlagane direktive bi v nasprotnem primeru lahko vodilo k sklepu , da odprtje računov s strani plačilnih institucij v njihovih knjigah obsega tudi , da se prejeta sredstva lahko ponovno nalagajo v korist plačilne institucije .
be reinvested for the benefit of the payment institution . Such a clarification could be achieved , for example , by restricting the payment service activities of payment institutions to those specified in paragraph 7 of the Annex to the proposed directive .
Takšno pojasnilo bi bilo doseženo , na primer , z omejitvijo dejavnosti plačilnih storitev za plačilne institucije na tiste , ki so navedene v odstavku 7 Priloge k predlagani direktivi . Dejavnost , navedena v odstavku 5
The activity specified in paragraph 5 of the Annex could also be ascribed to payment institutions pending , however , clarification that the activity of issuing cards is linked to a requirement for the cardholder 's account to be held with a credit institution .
Priloge , bi bile lahko pripisane tudi plačilnim institucijam , a le ob pojasnilu , da je dejavnost izdajanja kartic povezana z zahtevo , da se račun imetnika kartice vodi pri kreditni instituciji .
Moreover , payment institutions should not be allowed to grant credit in accordance with paragraph 4 of the Annex to the proposed directive .
Poleg tega plačilnim institucijam ne bi smelo biti dovoljeno , da odobravajo kredite v skladu z odstavkom 4 Priloge k predlagani direktivi .
6.2 Furthermore , to avoid any diverging interpretation , it might be useful to indicate which services may be offered by which type of institution , regrouping all paragraphs of the Annex to the proposed directive as follows : ( i ) paragraphs 1-7 : credit institutions ;
6.2 Poleg tega bi bilo v izogib drugačni razlagi morda koristno nakazati , katere storitve lahko ponuja katera vrsta institucij , pri čemer bi se vsi odstavki v Prilogi k predlagani direktivi prerazporedili , kakor sledi : ( i ) odstavki 1-7 : kreditne institucije ;
( ii ) paragraphs 1-3 and 5-7 : e-money institutions ;
( ii ) odstavki 1-3 in 5-7 : institucije za izdajo elektronskega denarja ;
and ( iii ) paragraph 7 : payment institutions .
in ( iii ) odstavek 7 : plačilne institucije .
In addition , as mentioned above , the activity specified in paragraph 5 of the Annex could possibly also be considered as an activity provided by payment institutions ( 11 ) .
Dodatno , kakor je bilo omenjeno že zgoraj , bi bila dejavnost , navedena v odstavku 5 Priloge , lahko morda upoštevana tudi kot dejavnost , ki jo opravljajo plačilne institucije ( 11 ) .
The same may hold true for the activity specified in paragraph 4 of the Annex , if it is ensured that funds received from payment service users to provide payment services cannot be deployed to extend credit to other payment service users .
Enako bi lahko veljalo tudi za dejavnost , navedeno v členu 4 Priloge , če bi bilo zagotovljeno , da sredstva , prejeta od uporabnikov plačilnih storitev za opravljanje plačilnih storitev , ne morejo biti uporabljena za dajanje kreditov drugim uporabnikom plačilnih storitev .
6.3 Other minimum safeguards could be considered to protect payment service users » funds .
6.3 Lahko bi se preučili drugi minimalni zaščitni ukrepi za zavarovanje sredstev uporabnikov plačilnih storitev .
For example , in the context of certain specific futures-clearing arrangements , cash placed by customers with futuresclearing brokers is construed under the laws of certain Member States ( e.g. Germany and the United Kingdom ) and of the United States as being the property of the customer rather than as being a cash deposit . This arrangement is often provided for by specific legislation or is confirmed by case-law .
Na primer , v kontekstu nekaterih posebnih ureditev glede obračuna terminskih pogodb , se gotovina , ki jo stranke položijo pri posrednikih pri obračunu terminskih pogodb , po zakonih nekaterih držav članic ( npr . Nemčija in Združeno kraljestvo ) in Združenih držav Amerike šteje za lastnino stranke , ne pa za denarni depozit .
Without addressing the proprietary nature of such cash , which might raise difficulties under the laws of some Member States , one option would be to develop the safeguards contained in Article 10 ( 2 ) of the proposed directive obliging payment institutions to keep the payment service users » funds separate in their books .
Ne da bi obravnavali lastninsko naravo te gotovine , kar bi lahko povzročilo težave po zakonih nekaterih držav članic , bi bila ena od možnosti , da bi razvili zaščitne ukrepe , vsebovane v členu 10 ( 2 ) predlagane direktive , ki bi plačilne institucije zavezovali , da vodijo sredstva uporabnikov plačilnih storitev v svojih knjigah ločeno .
This could be done by amending the proposed directive to ensure that more explicit obligations are imposed on payment institutions as follows : ( i ) to earmark funds accepted to specific transactions ;
To bi lahko dosegli s spremembami predlagane direktive , s katerimi bi se zagotovilo , da se plačilnim institucijam naložijo bolj izrecno določene obveznosti , kot sledi : ( i ) nameniti sprejeta sredstva za posebej določeno transakcijo ;
( ii ) to segregate funds accepted for a payment transaction from other funds accepted for activities other than payment services and record them separately in payment institutions » books ;
( ii ) ločiti sredstva , sprejeta za plačilno transakcijo , od drugih sredstev , sprejetih za druge dejavnosti kot za plačilne storitve , in jih evidentirati ločeno v knjigah plačilne institucije ;
( iii ) to keep payment service users » funds under an account name which clearly identifies them as such ;
( iii ) voditi sredstva uporabnikov plačilnih storitev pod imenom računa , ki jih jasno določa kot taka ;
( iv ) not to commingle payment service users » funds with the funds of the payment service provider or any other payment service user or person ;
( iv ) ne pomešati sredstev uporabnikov plačilnih storitev s sredstvi ponudnika plačilnih storitev ali katerega koli drugega uporabnika plačilnih storitev ali katere koli druge osebe ;
( v ) to insulate payment service users » funds from any third-party action against the payment institution ;
( v ) izvzeti sredstva uporabnika plačilnih storitev iz dosega kakršnega koli ukrepa tretje osebe proti plačilni instituciji ;
( vi ) if a payment institution becomes insolvent , to return payment service users » funds promptly and in priority to all other claims ;
( vi ) če plačilna institucija postane insolventna , nemudoma in prednostno pred vsemi drugimi terjatvami vrniti sredstva uporabnikov plačilnih storitev ;
and ( vii ) where insufficient funds are available for remittance to payment service users of an insolvent payment institution , to distribute the remaining funds to the payment service users on a pro rata basis in accordance with the principal amount of their respective claims .
in ( vii ) kadar ni na voljo dovolj sredstev za nakazilo uporabnikom plačilnih storitev insolventne plačilne institucije , razporediti preostala sredstva uporabnikom plačilnih storitev sorazmerno glede na znesek glavnice njihovih terjatev .
6.4 Furthermore , the reference in Article 10 ( 1 )( b ) of the proposed directive to ancillary services such as « the guaranteeing execution of payment transactions » requires further explanation , to make it clear that such services are only for the benefit of the payment services users taking part in the transaction .
6.4 Poleg tega zahteva sklicevanje v členu 10 ( 1 )( b ) predlagane direktive na pomožne storitve , kakor je „jamstvo za izvršitev plačilnih storitev » dodatno razlago , s katero bi se pojasnilo , da so te storitve le v korist tistih uporabnikov plačilnih storitev , ki sodelujejo v transakciji .
6.5 Finally , Article 10 ( 3 ) of the proposed directive states that the activities of payment institutions are not to be restricted to offering payment services subject to applicable national and Community law .
6.5 Končno , člen 10 ( 3 ) predlagane direktive določa , da dejavnosti plačilnih institucij ne smejo biti omejene na ponujanje plačilnih storitev , ob upoštevanju veljavne nacionalne zakonodaje in zakonodaje Skupnosti .
This implies that the range of activities of payment institutions may go beyond those listed in the Annex to the proposed directive , which gives rise to two concerns .
To pomeni , da lahko dejavnosti plačilnih institucij zajemajo tudi druge poleg tistih , navedenih v Prilogi k predlagani direktivi , kar zbuja naslednja pomisleka .
First , the proposed directive does not list all types of activities allowed .
Prvič , predlagana direktiva ne navaja vseh vrst dejavnosti , ki so dovoljene .
A full assessment of these activities from the point of view of consumer protection and financial stability can only be made if all possible activities are known .
Polna ocena teh dejavnosti z vidika varstva potrošnikov in finančne stabilnosti se lahko opravi le , če so znane vse možne dejavnosti .
Second , if such activities are based on national law , then the purpose of the proposed directive , namely to ensure full harmonisation , will not be achieved .
Drugič , če te dejavnosti temeljijo na nacionalni zakonodaji , potem namen predlagane direktive , da se omogoči polna harmonizacija , ne bo dosežen .
For these reasons , Article 10 ( 3 ) of the proposed directive should be deleted .
Iz teh razlogov je treba člen 10 ( 3 ) predlagane direktive črtati .
7 Creation of the SEPA 7.1 The banking industry is currently working intensively on services that will meet the demands of the SEPA .
7 Oblikovanje SEPA 7.1 Bančna dejavnost trenutno intenzivno deluje na področju storitev , ki bodo izpolnjevale zahteve SEPA .
As early as 1 January 2008 , the industry aims to offer pan-European payment instruments to citizens , authorities and commercial enterprises for both national and cross-border payments .
Že 1 . januarja 2008 namerava ta dejavnost državljanom , organom in poslovnim podjetjem ponuditi panevropske plačilne instrumente za nacionalna in čezmejna plačila .
Creation of the SEPA could however be problematic within the current Community legal framework , given the ( 11 ) It is noted that the regrouping does not take into account the activities of post office giro institutions since the licensing of these , and thus the type of activities they may undertake , is governed by Member States » national laws .
Oblikovanje SEPA pa bi bilo ob raznolikosti veljavne nacionalne zakonodaje lahko problematično znotraj sedanjega pravnega okvira ( 11 ) Ugotavljamo , da prerazporeditev ne upošteva dejavnosti poštnih institucij , ki opravljajo storitev brezgotovinskega nakazovanja , saj je izdajanje dovoljenj za le-te , in torej tudi vrsta dejavnosti , ki jih lahko opravljajo , urejena z nacionalnimi zakoni držav članic .
diversity of applicable national legislation .
Skupnosti .
Harmonisation of the legal framework for payments is therefore important , as it will assist the banking industry in its efforts to establish the SEPA .
Harmonizacija pravnega okvira za plačila je zato pomembna , saj bo zato pomagala bančni dejavnosti pri njenih prizadevanjih za vzpostavitev SEPA .
The SEPA-relevant parts of the proposed directive ( largely Titles III and IV ) appear to be less controversial than Title II .
Deli predlagane direktive , ki se nanašajo na SEPA ( pretežno naslova III in IV ) , se zdijo manj sporni kakor Naslov II .
If adoption of the proposed directive is delayed owing to ambiguities described above , the implementation of the SEPA might also be delayed .
Če bi bila predlagana direktiva zaradi dvoumnosti , opisanih zgoraj , sprejeta kasneje , bi bila lahko tudi SEPA izvedena kasneje .
In order to prevent such a delay , therefore , it would be beneficial to carve Title II out of the proposed directive .
Da bi preprečili to zamudo , bi bilo torej koristno izločiti Naslov II iz predlagane direktive .
However , such a carve-out should be conditional on making payment institutions subject to separate Community legislation in due course .
Vendar pa bi morala biti takšna izločitev pogojena s pravočasno ureditvijo plačilnih institucij z ločeno zakonodajo Skupnosti .
In this respect , the role of payment institutions could logically be discussed in the context of the planned review of the E-money Directive in order to achieve a consistent regulatory and supervisory framework for different categories of payment service providers .
V tem smislu bi o vlogi plačilnih institucij logično lahko razpravljali v kontekstu načrtovanega pregleda Direktive o elektronskem denarju , s čimer bi se dosegel usklajen normativni in nadzorni okvir za različne kategorije ponudnikov plačilnih storitev .
7.2 Another possibility might be for the Governing Council of the ECB to adopt an ECB regulation under Article 105 ( 2 ) of the Treaty and Article 22 of the Statute which would govern the specific SEPArelated provisions of the proposed directive that fall within the ESCB 's fields of competence , while recognising , however , that not all provisions facilitating SEPA could be adopted on this basis .
7.2 Druga možnost bi lahko bila , da bi Svet ECB sprejel uredbo ECB po členu 105 ( 2 ) Pogodbe in členu 22 Statuta , ki bi vsebovala posebne določbe predlagane direktive , ki se nanašajo na SEPA in ki spadajo na področja v pristojnosti ESCB , pri čemer se priznava , da na tej podlagi ne bi bilo mogoče sprejeti vseh določb , ki urejajo SEPA .
7.3 A specific SEPA-related issue concerns the maximum execution time of « D + 1 » , as provided for in Article 60 ( 1 ) and Article 61 ( 1 ) of the proposed directive .
7.3 Posebno vprašanje , povezano s SEPA , se nanaša na maksimalni čas izvršitve „D + 1 » , kakor je določen v členu 60 ( 1 ) in členu 61 ( 1 ) predlagane direktive .
It is expected that the majority of payment service providers could fulfil this requirement by 1 January 2010 .
Po pričakovanjih bi večina ponudnikov plačilnih storitev lahko izpolnila to zahtevo do 1 . januarja 2010 .
However , it must be kept in mind that the industry has not been consulted on the consequences of the requirement of « D + 1 » and that some banking communities might have difficulties complying in time .
Vendar pa bi bilo treba upoštevati , da s samo dejavnostjo ni bilo opravljeno posvetovanje o posledicah zahteve po „D + 1 » in da bi nekatere bančne skupnosti lahko imele težave z izpolnitvijo te zahteve v navedenem času .
8 Exemption of central banks
8 Izvzetje centralnih bank
The last indent of Article 1 of the proposed directive provides that central banks acting as monetary authorities and public authorities which provide payment services are not considered to be payment service providers .
Zadnji odstavek v členu 1 predlagane direktive določa , da se centralne banke , ki delujejo kot denarni organi , in javni organi , ki opravljajo plačilne storitve , ne štejejo za ponudnike plačilnih storitev .
In order to remove possible ambiguities regarding the meaning of this provision , it would be helpful to clarify that all activities performed by central banks are exempt from the proposed directive instead of introducing the unclear condition that this exemption should only apply to the provision of payment services by central banks acting as monetary or public authorities .
Za odpravo morebitnih dvoumnosti glede pomena te določbe , bi bilo koristno pojasniti , da so vse dejavnosti , ki jih opravljajo centralne banke , izvzete iz predlagane direktive , namesto da se uvaja nejasen pogoj , da to izvzetje velja le za opravljanje plačilnih storitev s strani centralnih bank , ki so denarni organi , ali javnih organov .
Any such exemption should be without prejudice to the ECB 's policy statement of 4 August 2005 regarding central banks » provision of retail payment services in euro to credit institutions ( 12 ) , which states that in order to avoid competitive distortions or a crowding-out of market initiatives , national central banks which offer retail payment services to credit institutions take due account of the requirements and competitive environment of the market concerned , including cost recovery .
Kakršno koli takšno izvzetje ne bi smelo posegati v izjavo ECB s 4 . avgusta 2005 o politiki glede opravljanja storitev plačil majhnih vrednosti v eurih s strani centralnih bank za kreditne institucije ( 12 ) , ki določa , da , v izogib izkrivljanju konkurence ali izrinjanja tržnih pobud , nacionalne centralne banke , ki ponujajo storitev plačil majhnih vrednosti za kreditne institucije , upoštevajo zahteve in konkurenčno okolje zadevnega trga , vključno s povračilom stroškov .
As currently drafted , this provision is likely to lead to divergent implementation among Member States , thereby causing unnecessary confusion for both central banks and financial market participants .
Navedena določba predlagane direktive , kakor je trenutno zasnovana , bo verjetno vodila v različno izvajanje po državah članicah , s čimer se bo povzročila nepotrebna nejasnost za centralne bank in udeležence na finančnem trgu .
9 Operation of and access to payment systems
9 Dostop do plačilnih sistemov in njihovo upravljanje