natgillin/translations-raw huggingface dataset:
The goals of SEPA can be fully achieved only if all stakeholders combine their efforts .
Cilje SEPA bo mogoče v celoti doseči le , če bodo vsi deležniki združili svoja prizadevanja .
The focus of this « gap analysis » is on short-term problems that can hamper the timely start of SEPA in January 2008 , as well as on longer-term problems that could have a negative impact on the continued success of SEPA .
Osrednja pozornost te „analize vrzeli » je namenjena kratkoročnim težavam , ki bi lahko onemogočile pravočasen začetek SEPA januarja 2008 , kot tudi dolgoročnejšim težavam , ki bi lahko negativno vplivale na trajen uspeh SEPA .
Analysis of the gaps in the project is combined with recommendations that should provide the market with advice on how the remaining problems could be overcome .
Analizo vrzeli v projektu dopolnjujejo priporočila trgu z nasveti , kako rešiti preostale težave .
The market is requested to take up these recommendations , so that the goals of SEPA can be achieved .
Za uresničitev ciljev SEPA naj trg ta priporočila upošteva .
The report is divided into three chapters .
Poročilo je razdeljeno na tri poglavja .
Chapter 1 presents a review of the status of SEPA instruments and infrastructures .
V poglavju 1 je predstavljen pregled stanja na področju SEPA instrumentov in infrastrukture .
Chapter 2 addresses the implementation and migration efforts towards SEPA .
Poglavje 2 obravnava potek implementacije in migracije na SEPA instrumente .
The legal framework for SEPA , which focuses on the issues arising from the Payment Services Directive , and the governance of the SEPA schemes and frameworks are covered in Chapter 3 .
Pravni okvir SEPA , ki se osredotoča na vprašanja v zvezi z Direktivo o plačilnih storitvah , ter vladanje SEPA shemam in okvirom sta zajeta v poglavju 3 .
STATUS OF , AND RECOMMENDATIONS CONCERNING , SEPA INSTRUMENTS AND INFRASTRUCTURES CURRENT STATUS IN THE FIELD OF SEPA INSTRUMENTS
STANJE NA PODROČJU SEPA INSTRUMENTOV IN INFRASTRUKTURE TER ZADEVNA PRIPOROČILA TRENUTNO STANJE NA PODROČJU SEPA INSTRUMENTOV
1.1.1 CREDIT TRANSFERS In June 2007 , the EPC approved the basic structure for a SEPA credit transfer scheme (" SEPA Credit Transfer Scheme Rulebook » , version 2.3 , or « SCT Rulebook » , as well as the Implementation Guidelines ) .
instrumentov , vseeno podpira EPC pri razvoju skupnih rešitev za te zahteve uporabnikov , s čimer bi se izognili ponovni razdrobljenosti znotraj euroobmočja . Shema prednostnih kreditnih plačil Kot je Eurosistem v prejšnjih poročilih o napredku že poudaril , bi morale osrednjo shemo kreditnih plačil dopolnjevati dodatne skupne značilnosti , zaradi katerih bi bila osnovna SEPA kreditna plačila strankam vsaj tako privlačna , kot so sedanji dodatni nacionalni instrumenti iste vrste .
This version of the SCT Rulebook will be the basis for the SEPA credit transfers that will be offered as from January 2008 .
Po mnenju Eurosistema bo za to med drugim potreben razvoj sheme prednostnih kreditnih plačil s poravnavo istega dne .
In the view of the Eurosystem , this constitutes an important step forward on the way towards the creation of SEPA .
Eurosistem pozdravlja delo , ki so ga na tem področju opravili tržni udeleženci , s tem ko so razvili medbančne plačilne storitve s časom poravnave največ štiri ure .
Maximum execution time for credit transfers Among the issues that still need to be addressed in the field of credit transfers is the inclusion in the SCT Rulebook of the new maximum timeframe for the execution of credit transfers mandated by the Payment Services Directive .
Hkrati predvideva , da se bo to delo nadaljevalo z razvojem odprtih standardov , in pričakuje , da bo storitev prednostnih plačil preoblikovana v SEPA shemo in vključena v upravljanje shem pod okriljem EPC , s čimer bi zagotovili ustrezno uskladitev z drugimi SEPA shemami .
2 The Directive stipulates that , by 2012 at the latest , a credit transfer should reach the final recipient within one business day ( i.e. the payee 's account should be credited on the business day after the day the payment is initiated by the payer , i.e. , on « D + 1 ") .
Dosegljivost bank Temeljni pogoj za uspeh SEPA je , da banke , ki so trenutno sposobne prejemati in pošiljati domača kreditna plačila , lahko prejemajo in pošiljajo tudi SEPA kreditna plačila .
This change should be incorporated into one of the envisaged regular updates of the SCT Rulebook , replacing the current standard of crediting of the payee 's account on « maximum D + 3 » .
Vsaka banka bi morala vzpostaviti potrebne povezave , bodisi z določitvijo ustreznega mehanizma z drugimi bankami bodisi s priključitvijo na enega ali več mehanizmov kliringa in poravnave .
Customer-to-bank domain The Eurosystem has taken note of the EPC 's recommendation to use the ISO 20022 XML standard , which is mandatory in the bank-tobank domain , in the customer-to-bank domain of the SEPA credit transfer .
Čeprav je popolnoma v duhu SEPA , da banke zmanjšajo število obstoječih povezav z mehanizmi kliringa in poravnave , to še ne pomeni , da bodo mehanizmi kliringa in poravnave svojim strankam sposobni zagotoviti dosegljivost .
Efforts in this field need to be increased to meet user requirements ( see Section 1.3 for standardisation efforts in the customer-to-bank domain ) .
Eurosistem je zato razvil kriterije za infrastrukturo , ki zahtevajo tudi interoperabilnost z drugimi mehanizmi kliringa in poravnave .
The Eurosystem has also taken note that several individual communities have started to develop
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
implementation guidelines for paper-based credit transfers for special customer groups . Even though the Eurosystem would not like to promote the use of paper-based instruments in SEPA , the Eurosystem encourages the EPC to develop common solutions for these user requirements in order to avoid renewed fragmentation within the euro area .
1.1.1 KREDITNA PLAČILA Junija 2007 je EPC potrdil osnovno strukturo sheme SEPA kreditnih plačil ( SEPA Credit Transfer Scheme Rulebook oziroma Pravilnik za shemo SEPA kreditnih plačil , verzija 2.3 , ter izvedbene smernice ) . Ta verzija Pravilnika bo osnova za SEPA kreditna plačila , ki bodo na voljo od januarja 2008 .
Priority credit transfer scheme Furthermore , as already pointed out in the Eurosystem 's previous progress report , the core credit transfer scheme should be supplemented with additional common features that will help to make the basic SEPA credit transfer at least as attractive to customers as the current additional national equivalents already are .
Po mnenju Eurosistema to predstavlja pomemben korak naprej k oblikovanju SEPA . Najdaljši čas za izvršitev kreditnih plačil Med odprtimi vprašanji na področju kreditnih plačil je vključitev novega najdaljšega časovnega okvira za izvršitev kreditnih plačil , ki ga predpisuje Direktiva o plačilnih storitvah2 , v Pravilnik .
In the view of the Eurosystem , this will require , inter alia , the development of a priority credit transfer scheme with same-day settlement .
Direktiva določa , da mora kreditno plačilo najkasneje do leta 2012 doseči končnega prejemnika v roku enega delovnega dne ( tj . račun prejemnika plačila mora biti odobren naslednji delovni dan po dnevu , ko je plačnik sprožil plačilo , tj .
The Eurosystem welcomes the work done by market participants in this field to develop an interbank payment service with a settlement time of four hours maximum , assumes that the work will continue with the development of open standards and expects this priority payment service to be transformed into a SEPA scheme and transferred to the EPC 's scheme management function , in order to ensure that it is adequately coordinated with the other SEPA schemes . Reachability of banks It is a precondition for the success of SEPA that banks that currently have receiving and sending capacity for domestic credit transfers are also able to receive and send SEPA credit transfers .
To spremembo je treba vključiti v eno od predvidenih rednih dopolnitev Pravilnika in s tem nadomestiti trenutni standard , ki predvideva odobritev računa prejemnika na dan „največ D + 3 » . Domena komitent-banka Eurosistem se je seznanil s priporočilom EPC , da se standard ISO 20022 XML , ki je obvezen v domeni banka-banka , pri SEPA kreditnih plačilih uporablja tudi v domeni komitentbanka .
Each bank should put into place whatever arrangements are necessary , either by agreeing suitable mechanisms with other banks and / or by connecting to one or more clearing and settlement mechanism ( s ) ( CSM ( s )) .
Za izpolnitev zahtev uporabnikov je treba prizadevanja na tem področju okrepiti ( glede prizadevanj na področju standardizacije domene komitent-banka glej poglavje 1.3 ) .
Although it is entirely in the spirit of SEPA that banks reduce their existing connections to CSMs , this does presuppose that CSMs are in a position to offer reachability to their clients .
Eurosistem se je seznanil tudi z dejstvom , da je več posameznih bančnih sektorjev začelo razvijati izvedbene smernice za kreditna plačila s papirnim nalogom , namenjena posebnim skupinam strank .
The Eurosystem has therefore developed criteria for 2 The Directive of the European Parliament and of the Council on payment services in the internal market is also covered in Chapter 3 .
2 Direktiva Evropskega parlamenta in Sveta o plačilnih storitvah na notranjem trgu je obravnavana tudi v poglavju 3 .
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 ECB Single Euro Payment Area ( SEPA ) July 2007
ECB Enotno območje plačil v eurih ( SEPA ) julij 2007
infrastructures that include a requirement to be interoperable with other CSMs . However , the Eurosystem accepts the EPC 's recently stated view that those banks whose payment volumes represent the critical mass of payments should be capable of both sending and receiving SEPA credit transfers as from January 2008 , while the remaining , smaller banks are only expected to receive SEPA credit transfers as from January 2008 and should be able to send them in the course of 2008 .
Eurosistem se strinja z nedavno izraženim mnenjem EPC , da bi morale biti tiste banke , katerih obseg plačil predstavlja kritično maso plačil , z januarjem 2008 sposobne pošiljati in prejemati SEPA kreditna plačila , medtem ko naj bi bile druge , manjše banke od tega datuma sposobne le prejemati kreditna plačila SEPA , tekom leta 2008 pa naj bi jih bile sposobne tudi pošiljati .
The EPC envisages setting up a database that would show which banks are adhering to the scheme and are reachable .
EPC predvideva vzpostavitev podatkovne baze o tem , katere banke so pristopile k shemi in so dosegljive .
The Eurosystem would like to see which banks form part of this critical mass defined in the national migration plans .
Eurosistem pričakuje , da bodo banke , ki predstavljajo del te kritične mase , opredeljene v nacionalnih načrtih migracije .
1.1.2 DIRECT DEBITS In June 2007 , the EPC approved the basic structure for a SEPA direct debit scheme (" SEPA Direct Debit Scheme Rulebook » , version 2.3 , or « SDD Rulebook » , as well as the Implementation Guidelines ) .
1.1.2 DIREKTNE OBREMENITVE Junija 2007 je EPC potrdil osnovno strukturo sheme SEPA direktnih obremenitev ( SEPA Direct Debit Scheme Rulebook oziroma Pravilnik za shemo SEPA direktnih obremenitev , verzija 2.3 , ter izvedbene smernice ) .
The SDD Rulebook contains a set of interbank rules , practices and standards that will allow the banking industry to offer a basic , or « core » , direct debit scheme , which is based on the socalled creditor mandate flow , to their customers .
Pravilnik obsega niz medbančnih pravil , praks in standardov , ki bodo bančnemu sektorju omogočili , da svojim strankam ponudi osnovno oziroma „osrednjo » shemo direktnih obremenitev , ki temelji na tako imenovanem toku pooblastil prek upnika .
In the view of the Eurosystem , this is also a major step towards the creation of SEPA .
Po mnenju Eurosistema je to tudi velik korak na poti k vzpostavitvi SEPA .
However , the core SEPA direct debit scheme does not fulfil the needs of all debtors and debtor banks .
Vseeno pa osrednja shema SEPA direktnih obremenitev ne zadovoljuje potreb vseh dolžnikov in bank dolžnikov .
In some countries , it does not fulfil the needs of some creditors either .
V nekaterih državah ne izpolnjuje tudi potreb nekaterih upnikov .
In order to make SEPA direct debits a success , the needs of all stakeholders must be satisfactorily addressed .
Da bi bile SEPA direktne obremenitve uspešne , je treba zadovoljivo upoštevati potrebe vseh deležnikov .
Need for clarity on the final features of the SEPA direct debit scheme The EPC has started to introduce additional features to the core direct debit scheme .
Potrebna je jasnost glede končnih značilnosti sheme SEPA direktnih obremenitev EPC je začel v osrednjo shemo direktnih obremenitev uvajati dodatne značilnosti .
These features aim at addressing the concerns of debtors and debtor banks regarding the secure handling of mandates , and at establishing a scheme for business-to-business (" B2B ") direct debits . The features under development relate to electronic mandates and the validation of
Namen teh značilnosti je zmanjšati zaskrbljenost dolžnikov in bank dolžnikov glede varne obdelave pooblastil ter vzpostaviti shemo medpodjetniških direktnih obremenitev ( B2B ) .
mandates by debtor banks , and could be a solution to concerns of debtors and debtor banks in some banking communities .
Značilnosti , ki se še razvijajo , so povezane z elektronskimi pooblastili in potrditvijo pooblastil s strani bank dolžnikov ter bi bile lahko rešitev za skrbi dolžnikov in bank dolžnikov v nekaterih bančnih skupnostih .
However , some communities might still face problems in mapping the existing domestic direct debit scheme onto the SEPA core direct debit scheme so as to match current service levels and to continue to meet customers » needs , mainly in the corporate sector .
Kljub temu bi lahko imeli nekateri bančni sektorji težave pri preslikavi obstoječe domače sheme direktnih obremenitev na osrednjo shemo SEPA direktnih obremenitev kot tudi pri doseganju sedanje ravni storitev in zadovoljevanju potreb strank , zlasti v podjetniškem sektorju .
In this sense , there is concern about a non-migration of these communities to the SEPA direct debits .
Zato obstaja bojazen , da te bančne skupnosti ne bodo prešle na SEPA direktne obremenitve .
The EPC is invited to find a solution that answers these customer needs .
EPC naj poišče rešitev , ki bo ustrezala tem potrebam strank .
Overall , there is an urgent need for the EPC to clarify the features of all of these new elements of the SEPA direct debits in precise detail .
V celoti gledano je nujno , da EPC natančno in podrobno razjasni značilnosti vseh teh novih elementov SEPA direktnih obremenitev .
All stakeholders involved should have certainty about the final features of the SEPA direct debit schemes by the end of 2007 at the latest .
Vsi vpleteni deležniki bi morali biti gotovi glede končnih značilnosti sheme SEPA direktnih obremenitev najkasneje do konca leta 2007 .
Customer acceptance and reachability are the key factors for success The Eurosystem believes that some areas remain in which banks must continue to be vigilant in order to make the SEPA direct debit scheme a success .
Sprejetje s strani strank in dosegljivost sta ključna dejavnika uspeha Po mnenju Eurosistema še vedno obstajajo nekatera področja , na katerih je za uspeh sheme SEPA direktnih obremenitev še naprej potrebna velika pozornost bank .
The major factors in achieving acceptance of SEPA direct debits by customers are , first , that all banks offer adequate services , at least within the euro area , and , second , that all banks are operationally ready to receive and send direct debits in the new SEPA formats .
Da bi stranke sprejele SEPA direktne obremenitve , je treba zagotoviti , da vse banke ponudijo ustrezne storitve , vsaj znotraj euroobmočja , ter da so vse banke operativno pripravljene prejemati in pošiljati direktne obremenitve v novem SEPA formatu .
These factors , referred to as « reachability » , are vital for the success of SEPA .
Ti dejavniki , ki jih imenujemo „dosegljivost » , so bistveni za uspeh SEPA .
They can ensure that a critical mass of direct debits can be moved from existing national formats to the SEPA formats within a reasonably short period of time .
Zagotovijo lahko , da kritična masa direktnih obremenitev v razumno kratkem času preide z obstoječih nacionalnih formatov na SEPA formate .
It is the ultimate test for banks as to whether their initial willingness to commit to the goals of SEPA will be followed by concrete actions .
To je končni test , ki bo pokazal , ali so banke svojo začetno voljo za uresničitev ciljev SEPA pripravljene nadgraditi s konkretnimi ukrepi .
In the event of insufficient reachability , the migration to SEPA direct debits could be endangered , since customers might either choose to use other payment instruments or remain with their national direct debit schemes , thereby also endangering the formation of a critical mass of users in the new scheme .
V primeru nezadostne dosegljivosti je lahko migracija na SEPA direktne obremenitve ogrožena , saj bi lahko stranke izbrale druge plačilne instrumente ali pa bi ostale znotraj nacionalnih shem direktnih obremenitev in s tem ogrozile oblikovanje kritične mase uporabnikov v novi shemi .
Roll-out of SEPA direct debits to the customer on the earliest possible date As for the other SEPA payment instruments , the launch of SEPA direct debit products was initially scheduled for 1 January 2008 , and it was expected that a critical mass of transactions would have migrated to the new scheme by the end of 2010 .
sprva načrtovana za 1 . januar 2008 , pričakovano pa je bilo , da bo kritična masa transakcij prešla na novo shemo do konca leta 2010 .
On account of delays in the adoption of the Payment Services Directive ( PSD ) , however , the EPC has recently stated that banks can only launch the scheme on a euro-area wide basis as from November 2009 , when the PSD must have been fully transposed into national law throughout the EU .
Zaradi zamude pri sprejetju Direktive o plačilnih storitvah ( DPS ) pa je EPC nedavno izjavil , da lahko banke uvedejo shemo v celotnem euroobmočju šele od novembra 2009 dalje , ko mora biti DPS v celoti prenesena v nacionalno zakonodajo vseh držav EU .
In the view of the Eurosystem , this should , however , neither discourage nor prevent any bank or banking community from offering SEPA direct debits to their customers before 1 November 2009 , for example , at the national level only .
Po mnenju Eurosistema to ne bi smelo odvrniti bank oziroma bančnih skupnosti ali jim celo preprečiti , da SEPA direktne obremenitve svojim strankam ponudijo pred 1 . novembrom 2009 , na primer samo na nacionalni ravni .
Preparatory work for launching SEPA direct debits should continue in any case .
V vsakem primeru se mora delo pri uvajanju direktnih obremenitev SEPA nadaljevati .
For the launch of SEPA direct debits , clarity is also needed on the applicability of an interchange fee .
Za uvedbo SEPA direktnih obremenitev je potrebna tudi jasnost glede primernosti medbančne provizije .
The Eurosystem 's public stance on interchange fees is neutral , as this is an issue within the field of competence of the European Commission 's DG Competition .
Javno stališče Eurosistema o medbančnih provizijah je nevtralno , saj je to vprašanje v pristojnosti generalnega direktorata za konkurenco pri Evropski komisiji .
The Eurosystem has taken note of the EPC 's proposal for a maximum-default multilateral balancing fee .
Eurosistem se je seznanil s predlogom EPC glede najvišje vnaprej določene večstranske izravnalne provizije .
In general , given the fact that , in the processing of direct debit transactions , costs are concentrated at debtor banks and revenues are more easily generated at the creditor banks , a rebalancing between the creditor and the debtor bank could be a valid means of inciting debtor banks to adhere to the new SEPA direct debit scheme and thereby to create broad reachability .
Glede na to , da so pri obdelavi transakcij direktnih obremenitev stroški skoncentrirani na strani banke dolžnika , prihodke pa je lažje ustvarjati na strani banke upnika , bi bila izravnava med banko upnika in banko dolžnika primerno sredstvo spodbude bankam dolžnikov , da pristopijo k novi shemi SEPA direktnih obremenitev in s tem ustvarijo široko dosegljivost .
The Eurosystem calls upon the Commission to provide clarity or give guidance on the applicability of an interchange fee as soon as possible , which the market as a whole could use as starting point for formulating future-proof scheme rules for SEPA direct debits .
Eurosistem poziva Komisijo , da čimprej razčisti nejasnosti oziroma poda smernice glede primernosti medbančne provizije , kar bi lahko celoten trg uporabil kot izhodišče pri oblikovanju trajnih pravil sheme SEPA direktnih obremenitev .
Changeover from old to new mandates should be facilitated Some banks raised the issue that the migration of mandates from existing national direct debit schemes to the new SEPA scheme could be problematical , since new mandates might be required in some countries .
Prehod s starih pooblastil na nova mora biti olajšan Nekatere banke so opozorile na to , da bi bila migracija pooblastil iz naslova obstoječih nacionalnih shem direktnih obremenitev na novo SEPA shemo lahko težavna , saj bi bila v nekaterih državah potrebna nova pooblastila .
The national banking communities should investigate this matter in cooperation with their national legislators and the national central banks ( NCBs ) , and should try to find a pragmatic solution that does not place any undue burden on either the banks or their customers .
Nacionalne bančne skupnosti bi morale to zadevo raziskati v sodelovanju z nacionalnimi zakonodajalci in nacionalnimi centralnimi bankami ter poskušati poiskati pragmatično rešitev , ki ne bo dodatno obremenjevala niti bank niti njihovih strank .
This would greatly facilitate a smooth migration to the new SEPA direct debit schemes .
To bi omogočilo precej lažjo migracijo na nove sheme SEPA direktnih obremenitev .
1.1.3 CARD PAYMENTS The Eurosystem published a report entitled « The Eurosystem 's view of a SEPA for cards » in November 2006 .
1.1.3 KARTIČNA PLAČILA Eurosistem je novembra 2006 objavil poročilo z naslovom „Stališče Eurosistema do « SEPA za kartice » » .
Subsequently , meetings and discussions took place with market participants , as well as with the European Commission , to receive feedback on the issues raised in the report .
V obdobju po objavi so s tržnimi udeleženci ter z Evropsko komisijo potekali sestanki in pogovori o odprtih vprašanjih , ki so bila izpostavljena v poročilu .
Recommendation to set up a European debit card scheme The Eurosystem strongly recommends setting up at least one additional European debit card scheme , which could be used mainly in the euro area countries .
Priporočilo za vzpostavitev evropske sheme debetnih kartic Eurosistem zelo priporoča , da se vzpostavi vsaj še ena evropska shema debetnih kartic , ki bi se lahko uporabljala predvsem v državah euroobmočja .
A wider coverage , for instance , in all countries of the EU , would be welcomed .
Širše pokritje , na primer vseh držav EU , bi bilo dobrodošlo .
Global reach is not considered to be necessary .
Svetovni doseg po ocenah ni potreben .
Banks could provide wider coverage via cobranding .
Banke bi pokritje širšega območja lahko zagotavljale s souporabo blagovnih znamk ( co-branding ) .
Such a scheme could be set up either by establishing a completely new scheme , or via an alliance between existing national schemes , or by expanding an existing national scheme .
Takšno shemo bi bilo mogoče oblikovati z ustanovitvijo povsem nove sheme , prek povezave obstoječih nacionalnih shem ali pa z razširitvijo obstoječe nacionalne sheme .