natgillin/translations-raw huggingface dataset:
Regulatory action continues to be required to provide the necessary legal framework harmonising the prudential supervision of electronic money institutions to the extent necessary for ensuring , in particular , their sound and prudent operation and financial integrity .
Še naprej so potrebni ureditveni ukrepi , da se zagotovi pravni okvir za uskladitev nadzora skrbnega in varnega poslovanja institucij za izdajo elektronskega denarja v obsegu , potrebnem zlasti za njihovo dobro , skrbno in varno poslovanje ter finančno celovitost .
The Commission therefore proposes to keep the same instrument ( a directive ) .
Zato Komisija predlaga ohranitev istega instrumenta ( direktive ) .
The Commission proposes a directive rather than a regulation as this former instrument is better suited to harmonising existing legislations .
Komisija predlaga uporabo direktive in ne uredbe , ker je direktiva primernejša za usklajevanje veljavnih zakonodaj . Poleg tega je skladna s predhodnim instrumentom , izbranim za
It is also consistent with the nature of the previous instrument chosen to harmonise rules in this field , and with other instruments adopted in related areas , such as the PSD .
uskladitev pravil na tem področju , in z drugimi instrumenti , sprejetimi na sorodnih področjih , kot je Direktiva o plačilnih storitvah .
BUDGETARY IMPLICATION
PRORAČUNSKE POSLEDICE
ADDITIONAL INFORMATION Simulation , pilot phase and transitional period
DODATNE INFORMACIJE Simulacija , pilotna faza in prehodno obdobje
There will be a transitional period for certain already established electronic money institutions with regard to compliance with the provisions in Title II of the Directive .
V skladu z določbami iz Naslova II Direktive bo za nekatere že ustanovljene institucije za izdajo elektronskega denarja določeno prehodno obdobje .
The proposal provides for simplification of legislation , simplification of administrative procedures for public authorities ( EC or national ) , and simplification of administrative procedures for private parties .
Predlog predvideva poenostavitev zakonodaje , poenostavitev upravnih postopkov za javne organe ( ES ali nacionalne ) in poenostavitev upravnih postopkov za zasebne subjekte .
Supervision of electronic money institutions will follow a harmonised and coherent approach , aligned with that of payment institutions , with the same rules for all Member States .
Nadzor institucij za izdajo elektronskega denarja bo potekal po usklajenem in celovitem pristopu , skladnim s pristopom za plačilne institucije , in z enakimi pravili za vse države članice .
This will help to simplify administrative procedures .
To bo pomagalo poenostaviti upravne postopke .
The full harmonisation approach of the proposal simplifies procedures for private parties .
Pristop popolne uskladitve v predlogu poenostavlja postopke za zasebne subjekte .
Repeal of existing legislation
Razveljavitev veljavne zakonodaje
The adoption of the proposal will lead to the repeal of existing legislation .
S sprejetjem predloga bo razveljavljena veljavna zakonodaja .
The Directive will replace Directive 2000/46 / EC .
Ta direktiva bo nadomestila Direktivo 2000/46 / ES .
2008/0190 ( COD ) proposal for a DIRECTIVE OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL of on the taking up , pursuit and prudential supervision of the business of electronic money institutions , amending Directives 2005/60 / EC and 2006/48 / EC and repealing Directive 2000/46 / EC ( Text with EEA relevance )
2008/0190 ( COD ) Predlog DIREKTIVA EVROPSKEGA PARLAMENTA IN SVETA z dne o začetku opravljanja in opravljanju dejavnosti ter nadzoru skrbnega in varnega poslovanja institucij za izdajo elektronskega denarja , spremembah direktiv 2005/60 / ES in 2006/48 / ES ter razveljavitvi Direktive 2000/46 / ES ( Besedilo velja za EGP )
THE EUROPEAN PARLIAMENT AND THE COUNCIL OF THE EUROPEAN UNION , Having regard to the Treaty establishing the European Community , and in particular the first and third sentences of Article 47 ( 2 ) and Article 95 thereof , Having regard to the proposal from the Commission8 , Having regard to the opinion of the European Economic and Social Committee9 , Having regard to the opinion of the European Central Bank10 , Acting in accordance with the procedure laid down in Article 251 of the Treaty , Whereas : ( 1 ) Directive 2000/46 / EC on the taking up , pursuit of and prudential supervision of the business of electronic money institutions11 was adopted in response to the emergence of new pre-paid electronic payment products and was intended to create a clear legal framework designed to strengthen the single market while ensuring an adequate level of prudential supervision .
EVROPSKI PARLAMENT IN SVET EVROPSKE UNIJE STA -- ob upoštevanju Pogodbe o ustanovitvi Evropske skupnosti in zlasti prvega in tretjega stavka člena 47 ( 2 ) in člena 95 Pogodbe , ob upoštevanju predloga Komisije8 , ob upoštevanju mnenja Evropskega ekonomsko-socialnega odbora9 , ob upoštevanju mnenja Evropske centralne banke10 , v skladu s postopkom , določenim v členu 251 Pogodbe , ob upoštevanju naslednjega : ( 1 ) Direktiva 2000/46 / ES o začetku opravljanja in opravljanju dejavnosti ter nadzoru skrbnega in varnega poslovanja institucij za izdajo elektronskega denarja11 je bila sprejeta kot odgovor na nastanek novih predplačniških elektronskih plačilnih proizvodov , njen namen pa je bil vzpostaviti jasen pravni okvir , zasnovan za krepitev enotnega trga ob zagotavljanju ustrezne stopnje nadzora skrbnega in varnega poslovanja .
The Commission presented a report12 which highlighted the need to revise Directive 2000/46 / EC since some of its provisions were considered to have hindered the emergence of a true single market for electronic money services .
Komisija je predstavila poročilo12 , v katerem je bila izpostavljena potreba po reviziji Direktive 2000/46 / ES , ker naj bi bile nekatere njene določbe ovira za vzpostavitev resničnega enotnega trga za storitve v zvezi z elektronskim denarjem .
Directive 2007/64 / EC of the European Parliament and of the Council on payment services in the internal market13 has established a modern and coherent legal framework for payment services , including the coordination of national provisions on
Z Direktivo 2007/64 / ES Evropskega parlamenta in Sveta o plačilnih storitvah na notranjem trgu13 je bil vzpostavljen sodoben in celovit pravni okvir za plačilne
prudential requirements for a new category of payment service providers , namely payment institutions .
storitve , vključno z uskladitvijo nacionalnih določb o zahtevah glede skrbnega in varnega poslovanja za novo kategorijo ponudnikov plačilnih storitev , tj . plačilne institucije .
( 4 ) With the objective of removing barriers to market entry and making it easier to take up and pursue the business of electronic money institutions , the rules to which these institutions are subject need to be reviewed so as to ensure a level playing field for all payment services providers .
( 4 ) Da bi odpravili ovire za vstop na trg ter olajšali ustanavljanje in poslovanje institucij za izdajo elektronskega denarja , je treba pregledati pravila , ki veljajo za te institucije , in zagotoviti enake konkurenčne pogoje za vse ponudnike plačilnih storitev .
It is appropriate to limit the application of this Directive to payment service providers that issue electronic money .
Uporabo te direktive je primerno omejiti na ponudnike plačilnih storitev , ki izdajajo elektronski denar .
It should not apply to pre-paid instruments that can only be used in a limited way , either because they allow the holder to purchase goods or services only in the premises of the issuer or within a limited network of service providers under direct commercial agreement with a professional issuer , or because they can only be used to acquire a limited range of goods or services .
Direktiva se ne sme uporabljati za predplačniške instrumente , katerih načini uporabe so omejeni , bodisi zato , ker imetniku dopuščajo nakup blaga ali storitev samo v prostorih izdajatelja ali v okviru omejene mreže ponudnikov storitev na podlagi neposrednega trgovinskega sporazuma s poklicnim izdajateljem , bodisi zato , ker jih je mogoče uporabljati samo za nakup omejenega izbora blaga ali storitev .
An instrument should be considered to be used within a « limited network » if it can be used only for the purchase of goods and services in a specific store , a chain of stores or for a limited range of goods or services , regardless of the geographical location of the point of sale .
Za instrument se šteje , da se uporablja v okviru „omejene mreže » , če ga je mogoče uporabljati samo za nakup blaga in storitev v posebni trgovini , verigi trgovin ali za omejen izbor blaga ali storitev , ne glede na zemljepisno lego prodajnega mesta .
Examples of such instruments are store cards , petrol cards , membership cards and public transport cards and meal vouchers .
Primeri takih instrumentov so kartice trgovin , kartice za nakup goriva , članske kartice , kartice za javni prevoz in boni za prehrano .
Instruments which can be used for purchases in stores of listed merchants should not be exempted as such instruments are typically designed for a network of service providers which is continuously growing .
Instrumenti , ki jih je mogoče uporabljati v navedenih trgovinah , ne smejo biti izvzeti , ker so praviloma zasnovani za mrežo ponudnikov storitev , ki se nenehno širi .
Finally , the Directive should not apply to payment transactions for the purchase of digital goods or services , where , by virtue of the nature of the good or service , the operator adds intrinsic value to it , e.g. in the form of access , search or distribution facilities , provided that the good or service in question can only be used through a digital device , such as a mobile phone or a computer .
Nazadnje , Direktiva se ne sme uporabljati za plačilne transakcije za nakup digitalnega blaga ali storitev , ki jim operater na podlagi njihovega značaja dodaja stvarno vrednost , npr . v obliki funkcij dostopa , iskanja ali prenosa , če je mogoče zadevno blago ali storitev uporabljati samo z digitalno napravo , kot je mobilni telefon ali računalnik .
It is appropriate to introduce a clear definition of electronic money in order to make it technically neutral .
Primerno je določiti jasno opredelitev elektronskega denarja , da bo ta tehnično nevtralna .
This definition should cover all situations where the payment service provider issues a pre-paid stored value in exchange for funds .
Ta opredelitev mora pokrivati vse primere , v katerih ponudnik plačilnih storitev izda predplačniško shranjeno vrednost v zameno za sredstva .
The definition should cover electronic money which is either held on a payment device in the holder 's possession or is stored remotely at a server and managed by the holder through a payment account with the payment service provider .
Opredelitev mora pokrivati elektronski denar , ki je shranjen bodisi v plačilni napravi , ki jo ima imetnik , bodisi v oddaljenem strežniku , kjer z elektronskim denarjem upravlja imetnik prek plačilnega računa , odprtega pri ponudniku plačilnih storitev .
This definition should be wide enough to avoid hampering technological innovation and to cover not only all the electronic money schemes available today in the electronic market but also those which could be developed in the future .
Ta opredelitev mora biti dovolj široka , da se prepreči oviranje tehnoloških inovacij in da pokriva ne le sisteme elektronskega denarja , ki so na elektronskem trgu na voljo danes , temveč tudi tiste , ki bi lahko bili razviti v prihodnosti .
The prudential supervisory regime for electronic money institutions should be reviewed and brought more into line with the risks faced by these institutions .
Režim za nadzor skrbnega in varnega poslovanja institucij za izdajo elektronskega denarja je treba pregledati in bolj uskladiti s tveganji , s katerimi se soočajo te institucije .
It should also be made coherent with the prudential supervisory regime applying to payment institutions under Directive 2007/64 / EC .
Prav tako ga je treba uskladiti z režimom za nadzor skrbnega in varnega poslovanja , ki se uporablja za plačilne institucije na podlagi Direktive 2007/64 / ES .
The issuance of electronic money does not constitute in itself a deposit-taking activity pursuant to Directive 2006/48 / EC , in view of its specific character as an electronic surrogate for coins and banknotes only likely to be used for making payments of limited amounts and not as means of saving .
Izdajanje elektronskega denarja v skladu z Direktivo 2006/48 / ES samo po sebi ni dejavnost sprejemanja depozitov , saj se njegova posebna lastnost elektronskega nadomestka za kovance in bankovce po vsej verjetnosti uporablja samo za izvrševanje plačil omejenih vrednosti in ne kot način varčevanja .
The conditions for granting and maintaining authorisation as electronic money institutions should include prudential requirements that are proportionate to the operational and financial risks faced by such bodies in the course of their business related to the issuance of electronic money ,
Pogoji za odobritev in ohranjanje dovoljenja institucij za izdajo elektronskega denarja morajo vsebovati zahteve skrbnega in varnega poslovanja , ki so sorazmerne z operativnimi in finančnimi tveganji , s katerimi se soočajo taki subjekti pri svojem poslovanju , povezanim z izdajo elektronskega denarja , ki se izvaja neodvisno od vseh drugih komercialnih dejavnosti institucije za izdajo elektronskega denarja .
independently of any other commercial activities carried out by the electronic money institution . ( 10 ) There is a need for a regime of initial capital combined with ongoing capital to ensure an appropriate level of consumer protection and the sound and prudent operation of electronic money institutions .
( 10 ) Treba je oblikovati režim za ustanovni kapital v povezavi s tekočim kapitalom , da se zagotovita ustrezna raven zaščite potrošnikov ter dobro , skrbno in varno poslovanje institucij za izdajo elektronskega denarja .
Given the specificity of electronic money , an additional method for calculating on-going capital should be allowed , keeping , however , supervisory discretion to ensure that the same risks are treated in the same way for all payment service providers .
Glede na svojevrstnost elektronskega denarja je treba omogočiti dodatno metodo za izračun tekočega kapitala , vendar ohraniti diskrecijsko pravico nadzornih organov za zagotovitev , da so enaka tveganja obravnavana na enak način za vse ponudnike plačilnih storitev .
In addition , provision should be made for client funds to be kept separate from the electronic money institution 's funds for other business activities .
Poleg tega je treba določiti , da se sredstva strank vodijo ločeno od sredstev , ki jih institucija za izdajo elektronskega denarja uporablja za druge poslovne dejavnosti .
Electronic money institutions should also be made subject to effective antimoney laundering and anti-terrorist financing rules .
Prav tako je treba za institucije za izdajo elektronskega denarja določiti učinkovita pravila za preprečevanje pranja denarja in preprečevanje financiranja terorizma .
For prudential reasons , Member States should ensure that only electronic money institutions duly authorised in accordance with this Directive , credit institutions authorised under Directive 2006/48 / EC and , under certain circumstances , national central banks and other national authorities may issue electronic money .
Da bi zagotovile skrbno in varno poslovanje , morajo države članice poskrbeti , da lahko elektronski denar izdajajo samo institucije za izdajo elektronskega denarja , ki so ustrezno odobrene v skladu s to direktivo , kreditne institucije , ki so odobrene v skladu z Direktivo 2006/48 / ES , ter v nekaterih okoliščinah nacionalne centralne banke in drugi nacionalni organi .
Electronic money needs to be redeemable to preserve bearer confidence .
Da se ohrani zaupanje uporabnikov , mora biti elektronski denar unovčljiv .
Redeemability does not imply , in itself , that the funds received in exchange for electronic money should be regarded as deposits or other repayable funds for the purpose of Directive 2006/48 / EC .
Unovčljivost sama po sebi ne pomeni , da je treba sredstva , prejeta v zamenjavo za elektronski denar , obravnavati kot depozite ali druga vračljiva sredstva v smislu Direktive 2006/48 / ES .
Redemption should always be possible at any time , at par value .
Unovčenje mora biti vedno mogoče v vsakem trenutku in v višini nominalne vrednosti .
Redemption of the full amount should always be free of charge . Partial redemption may generate some costs to the issuer .
Unovčenje celotnega zneska mora biti vedno brezplačno .
It may , therefore , be subject to a proportionate and cost-based fee .
Delno unovčenje lahko pomeni stroške za izdajatelja , zato lahko ta za to storitev zaračuna sorazmerno pristojbino na podlagi stroškov .
This is without prejudice to national legislation on tax or social matters as well as any obligations on the issuer under other relevant Community or national legislation , such as anti-money laundering and anti-terrorist financing rules , any action targeting the freezing of funds or any specific measure linked to the prevention and investigation of crimes .
To ne posega v nacionalne zakonodaje o davčnih ali socialnih zadevah ali v katero koli obveznost izdajatelja na podlagi drugih zadevnih zakonodaj Skupnosti ali držav članic , kot so pravila za preprečevanje pranja denarja ali financiranja terorizma , kakršni koli ukrepi za zamrznitev sredstev ali kakršni koli posebni ukrepi , povezani s preprečevanjem in preiskovanjem kaznivih dejanj .
It is appropriate to allow Member States to waive the application of certain provisions of this Directive to institutions providing only a limited amount of payment transactions .
Državam članicam je primerno omogočiti , da opustijo uporabo nekaterih določb te direktive za institucije , ki izvršujejo samo omejeno količino plačilnih transakcij .
Institutions benefiting from such a waiver should not have the right under this Directive to exercise the freedom of establishment or provide services crossborder and they should not indirectly exercise those rights as members of a payment system .
Institucije , za katere velja taka opustitev , na podlagi te direktive ne smejo imeti pravice do ustanavljanja ali opravljanja čezmejnih storitev in teh pravic ne smejo uveljavljati posredno kot članice plačilnega sistema .
However , it is desirable to register the details of all entities providing e-money services , including those institutions benefiting from a waiver .
Vendar pa je zaželena registracija podatkov o vseh subjektih , ki opravljajo storitve v zvezi z elektronskim denarjem , vključno z institucijami z odobreno opustitvijo .
For this purpose , Member States should enter such entities in the register of e-money institutions while not applying all or part of the conditions for authorisation .
V ta namen morajo države članice take subjekte vnesti v register institucij za izdajo elektronskega denarja , pri čemer se ne upošteva vseh ali nekaterih pogojev za odobritev dovoljenja .
In the interests of legal certainty , transitional arrangements should be made to ensure that electronic money institutions which have commenced their activities in accordance with the national laws transposing Directive 2000/46 / EC into domestic law may continue those activities within the Member State concerned for a specified period .
Zaradi pravne gotovosti je treba sprejeti prehodne ureditve , s katerimi se zagotovi , da lahko institucije za izdajo elektronskega denarja , ki so začele opravljati svojo dejavnost v skladu z nacionalnimi zakoni , s katerimi je bila v domačo zakonodajo prenesena Direktiva 2000/46 / ES , nadaljujejo to dejavnost v zadevni državi članici v danem obdobju .
This period should be longer for entities that have benefited from the waiver provision in Article 8 of Directive 2000/46 / EC .
To obdobje mora biti daljše za subjekte , ki jim je bila odobrena opustitev iz člena 8 Direktive 2000/46 / ES .
This Directive introduces a new definition of electronic money whose issuance can benefit from the derogations in Articles 34 and 53 of Directive 2007/64 / EC , therefore , the simplified customer due diligence regime for electronic money institutions under Directive 2005/60 / EC of the European Parliament and of the Council of
Ta direktiva uvaja novo opredelitev elektronskega denarja , za katerega izdajanje je mogoče uporabiti odstopanja iz členov 34 in 53 Direktive 2007/64 / ES , zato je treba skladno s tem spremeniti tudi poenostavljeni režim skrbnega preverjanja strank za institucije za izdajo elektronskega denarja iz Direktive 2005/60 / ES Evropskega
26 October 2005 on the prevention of the use of the financial system for the purpose of money laundering and terrorist financing14 should be amended accordingly .
parlamenta in Sveta z dne 26 . oktobra 2005 o preprečevanju uporabe finančnega sistema za pranje denarja in financiranje terorizma14 .
( 16 ) Pursuant to Directive 2006/48 / EC , electronic money institutions are considered to be credit institutions , although they can neither receive deposits from the public nor grant credit from the funds received from the public .
( 16 ) V skladu z Direktivo 2006/48 / ES se institucije za izdajo elektronskega denarja obravnavajo kot kreditne institucije , čeprav ne morejo niti sprejemati depozitov javnosti niti odobriti kreditov iz prejetih sredstev javnosti .
Given the system introduced by this Directive , it is appropriate to amend the definition of credit institution in Directive 2006/48 / EC in order to ensure that electronic money institutions are not considered as credit institutions .
Glede na sistem , ki ga uvaja ta direktiva , je primerno spremeniti opredelitev kreditne institucije v Direktivi 2006/48 / ES in s tem zagotoviti , da institucije za izdajo elektronskega denarja ne bodo obravnavane kot kreditne institucije .
However , credit institutions should continue to be allowed to issue electronic money and to carry on such activity Community-wide , subject to mutual recognition and to the comprehensive prudential supervisory regime applying to them in accordance with the Community legislation in the field of banking .
Vendar pa mora biti kreditnim institucijam še naprej dovoljeno izdajanje elektronskega denarja in opravljanje te dejavnosti na ravni celotne Skupnosti pod pogojem medsebojnega priznavanja ter celovitega režima za nadzor skrbnega in varnega poslovanja , ki veljata zanje v skladu z zakonodajo Skupnosti na področju bančništva .
The provisions of this Directive replace all corresponding provisions of Directive 2000/46 / EC , therefore , the latter Directive should be repealed .
Določbe te direktive nadomeščajo vse ustrezne določbe Direktive 2000/46 / ES , zato je treba slednjo razveljaviti .
The objectives of this Directive cannot be sufficiently achieved by the Member States because they require the harmonisation of many different rules currently existing in the legal systems of the various Member States and can therefore be better achieved at Community level , the Community may adopt measures , in accordance with the principle of subsidiarity as set out in Article 5 of the Treaty .
Države članice ne morejo ustrezno doseči ciljev te direktive , ker njihovo izpolnjevanje zahteva uskladitev številnih različnih pravil v pravnih sistemih različnih držav članic in jih je torej lažje doseči na ravni Skupnosti , zato lahko Skupnost sprejme ukrepe v skladu z načelom subsidiarnosti iz člena 5 Pogodbe .
In accordance with the principle of proportionality , as set out in that Article , this Directive does not go beyond what is necessary in order to achieve that objective .
Skladno z načelom sorazmernosti iz navedenega člena ta direktiva ne prekoračuje okvirov , ki so potrebni za dosego navedenih ciljev .
The efficient functioning of this Directive needs to be reviewed .
Učinkovitost delovanja te direktive je treba pregledati .
Therefore , the Commission should be required to produce a report three years after the deadline for transposition of this Directive .
Zato mora Komisija tri leta po izteku roka za prenos te direktive pripraviti poročilo .