natgillin/translations-raw huggingface dataset:
The ECB welcomes the proposal in Article 5 ( 1 ) to increase the exemption threshold for b.o.p. reporting to EUR 50 000 and acknowledges that it is already in place in the majority of Member States , which have already fully shifted or have taken steps to collect data by means of alternative sources ( administrative data , or surveys / direct reporting ) rather than from payments systems , or developed complementary sources to payments data .
ECB pozdravlja predlog iz člena 5 ( 1 ) , da se mejna vrednost za izvzetje iz poročanja za plačilno bilanco dvigne na 50 000 EUR , in potrjuje , da je to že udejanjeno v večini držav članic , ki so že popolnoma prešle na zbiranje podatkov iz nadomestnih virov ( administrativni podatki ali anketno / neposredno poročanje ) namesto iz plačilnih sistemov oziroma so sprejele ukrepe v smeri tega prehoda ali pa so razvile dopolnilne vire k podatkom o plačilih .
Large companies play a crucial role in the compilation of b.o.p. statistics .
Velike družbe imajo ključno vlogo pri pripravi statistike plačilne bilance .
However , they tend to centralise their payments in specialised entities , so that their payments are increasingly disconnected from their economic transactions .
Vendar pa težijo k centralizaciji svojih plačil v specializiranih subjektih , tako da so njihova plačila vse bolj ločena od njihovih ekonomskih transakcij .
As a consequence , these large companies have to be fully covered in a survey-based approach .
Posledično morajo biti te velike družbe pri pristopu , ki temelji na anketiranju , popolnoma zajete .
Smaller entities may be addressed on the basis of sampling .
Manjši subjekti se lahko obravnavajo na podlagi vzorčenja .
In order to benchmark and to focus the scope of surveys related to b.o.p. reporting , the ECB suggests that other administrative and statistical data sources , such as VAT data files , INTRASTAT , Company Registers and Structural Business Statistics , are enhanced where needed and possible , so that they can be used for the identification of the entities to be surveyed or for collecting information on cross-border transactions .
Da bi se primerjal in osredotočil obseg anketiranja v zvezi s poročanjem za plačilno bilanco , ECB predlaga , da se drugi viri administrativnih in statističnih podatkov , kot so datoteke podatkov za DDV , INTRASTAT , registri družb in strukturna statistika podjetij , v okviru potreb in možnosti izboljšajo , tako da se lahko uporabijo za prepoznavanje subjektov , ki jih je treba vključiti v anketiranje , ali za zbiranje informacij o čezmejnih transakcijah .
Good practices on the usage of such data may already be exchanged among b.o.p. compilers .
Dobre prakse uporabe takšnih podatkov se lahko že izmenjujejo med pripravljavci plačilne bilance .
Conversely , without prejudice to the burden on respondents , the regulations related to those sources should enable a better identification of cross-border transactions , especially as regards services .
Hkrati pa bi morale ureditve teh virov , brez poseganja v breme poročevalskih enot , omogočiti boljše prepoznavanje čezmejnih transakcij , predvsem v zvezi s storitvami .
The ECB welcomes the introduction of Article 5 ( 3 ) , clarifying that statistical requirements which have no impact on the straight through processing of SEPA payments by payment service providers , and can be fully automated by payment service providers , should not be subject to any exemption threshold .
ECB pozdravlja vključitev člena 5 ( 3 ) , ki pojasnjuje , da statistične zahteve , ki ne vplivajo na obdelavo plačil SEPA pri ponudnikih plačilnih storitev brez ročnega posredovanja in jih lahko ponudniki plačilnih storitev popolnoma avtomatizirajo , ne bi smele biti predmet kakršne koli mejne vrednosti za izvzetje .
The ECB regards payments data as a potentially useful tool in particular to identify the reporting population to be surveyed , i.e. to set up and maintain a register of internationally active firms ( 2 ) . This concerns information that is readily available to the banks and that can be supplied to b.o.p. compilers in a fully automated fashion at reasonable intervals , including , on the one hand , the mandatory fields of the SEPA message ( including the International Bank Account Numbers ( IBANs ) of the payer and the payee ) and , on the other hand , any other reference data that must be used and / or stored by banks ( e.g. for anti-money laundering and counter-terrorist financing purposes ) , such as the address of the account holders .
( 2 ) To zadeva informacije , ki jih imajo banke že na voljo in jih lahko predložijo pripravljavcem plačilne bilance na popolnoma avtomatiziran način v primernih časovnih presledkih , vključujejo pa na eni strani obvezna polja v sporočilu SEPA ( vključno z mednarodno številko bančnega računa ( IBAN ) plačnika in prejemnika plačila ) , na drugi strani pa kakršne koli druge referenčne podatke , ki jih morajo banke uporabiti in / ali shraniti ( npr . za potrebe boja proti pranju denarja in financiranju terorizma ) , kot so naslovi imetnikov računov .
In turn , these data may be linked to the national statistical business register .
Ti podatki se nato lahko povežejo z nacionalnim statističnim poslovnim registrom .
This approach should be made possible at the discretion of each national b.o.p. compiler .
Ta pristop bi moral biti omogočen za uporabo po presoji vsakega nacionalnega pripravljavca plačilne bilance .
As it meets the conditions listed in Article 5 ( 3 ) , this approach should not be subject to any reporting threshold .
Ker ta pristop ustreza pogojem iz člena 5 ( 3 ) , ne bi smel biti predmet kakršne koli mejne vrednosti za poročanje .
In the future , in the context of SEPA , non-financial entities may choose to hold their bank account with a bank that is resident in another EU country .
V prihodnosti se bodo v okviru SEPA nefinančni subjekti lahko odločili , da bodo imeli bančni račun pri banki , ki je rezident v drugi državi EU .
If and when this happens , the information as defined in Article 5 ( 3 ) of the proposed regulation , which is based on the assumption that the banks and their account holders generally reside in the same country , may no longer provide a satisfactory
Če in ko se bo to zgodilo , informacije , opredeljene v členu 5 ( 3 ) predlagane uredbe , ki temelji na domnevi , da so banke in imetniki računov pri njih na splošno rezidenti iste države , morda ne bodo več zagotavljale zadovoljive ocene poročevalske populacije .
( 1 ) In line with Article 1 ( 3 ) of the proposed regulation , banks will still be required to report on their own cross-border financial and non-financial transactions .
V takšnem kontekstu in v pomoč Komisiji je ECB pripravljena nadalje oceniti obseg , do ( 1 ) V skladu s členom 1 ( 3 ) predlagane uredbe bodo morale banke še naprej poročati o lastnih čezmejnih finančnih in nefinančnih transakcijah .
( 2 ) In particular , this applies to small and medium-sized enterprises ( SMEs ) that receive payments from and / or send payments to non-resident bank accounts ( i.e. bank accounts with a non-resident country code in it ) .
( 2 ) To velja zlasti za mala in srednje velika podjetja ( MSP ) , ki prejemajo plačila z nerezidentskih bančnih računov ( tj . bančnih računov , ki vsebujejo nerezidentsko oznako države ) ali plačujejo na take račune .
This can serve as an indication that these SMEs are likely to be engaged in cross-border transactions .
To lahko služi kot indic , da so ta MSP verjetno udeležena v čezmejnih transakcijah .
The ( country code in the ) IBAN in the SEPA message can be used as a proxy to identify these SMEs .
( Oznaka države v ) IBAN v sporočilu SEPA se lahko uporabi kot kazalnik za prepoznavanje teh MSP .
assessment of the reporting population .
katerega se je ta pojav razvil .
In such a context , and to assist the Commission , the ECB is willing to further assess the extent to which this phenomenon has developed . If it has become significant , the inclusion by the banks of the country of residence of the payer in the SEPA message should be reconsidered ( 1 ) .
Če bi postal pomemben , bi bilo treba ponovno preučiti možnost , da bi banke v sporočilo SEPA vključile podatek o državi prebivališča plačnika ( 1 ) .
This would allow an automatic and unambiguous identification of cross-border payments by the bank of the payee in all cases .
To bi banki prejemnika plačila v vseh primerih omogočalo avtomatsko in nedvoumno prepoznavanje čezmejnih plačil .
This procedure should be applied without a threshold .
Ta postopek bi se moral uporabljati brez mejne vrednosti .
In order to further alleviate the reporting burden of both financial and non-financial agents , the ECB supports all initiatives that facilitate the exchange of information between b.o.p. compilers , for statistical purposes only .
Da bi se še dodatno zmanjšalo breme poročanja tako za finančne kot nefinančne subjekte , ECB podpira vse pobude , ki olajšujejo izmenjavo informacij med pripravljavci plačilne bilance , in sicer le za statistične namene .
This may require the elimination of legal impediments to the exchange of information among EU statistical authorities , while maintaining the required confidentiality safeguards .
To bi lahko zahtevalo odpravo pravnih ovir za izmenjavo informacij med statističnimi organi v EU , ohranilo pa bi se potrebno varovanje zaupnosti .
To assist the Commission , the ECB would be ready to explore ways forward within this area .
ECB bi bila v pomoč Komisiji pripravljena raziskati možnosti napredka na tem področju .
Regarding the proposal to remove settlement-based national reporting requirements on payment service providers from 1 January 2012 , as stated in Article 5 ( 2 ) of the proposed regulation , the ECB highlights the need for an interim solution for Member States still relying on settlement-based reporting until a fully harmonised pan-European solution has emerged .
januarja 2012 , kot je navedeno v členu 5 ( 2 ) predlagane uredbe , ECB izpostavlja potrebo po prehodni rešitvi za države članice , ki se še vedno opirajo na poročanje na podlagi poravnav plačil , dokler se ne bo vzpostavila popolnoma usklajena vseevropska rešitev .
Such an interim solution has been discussed within the Eurosystem , resulting in the following proposal by the ECB : --- one single field of the SEPA payment message should be used during this interim period for reporting in a fully harmonised way ( including one code list and one methodology to apply this code list ) .
Takšna prehodna rešitev je bila predmet razprave znotraj Eurosistema , iz česar izhaja naslednji predlog ECB : --- v tem prehodnem obdobju bi se moralo uporabljati eno samo polje v plačilnem sporočilu SEPA na popolnoma usklajen način ( vključno z enim seznamom šifer in eno metodologijo za uporabo tega seznama šifer ) .
Customers in Member States implementing this approach will be required to provide the information to fill in one , already existing , specific optional white field in the SEPA message ( field « Regulatory Reporting ') .
Stranke v državah članicah , ki bodo izvedle ta pristop , bodo morale zagotoviti informacije za izpolnitev enega že obstoječega posebnega opcijskega belega polja v sporočilu SEPA ( polje „Regulatory reporting » -- poročanje pristojnim organom ) .
One common set of usage rules should be applied by banks in all these Member States , creating one additional optional service ( AOS ) community .
Banke v vseh teh državah članicah bi morale uporabljati en skupen nabor pravil uporabe in tako oblikovati eno skupnost uporabnikov dodatne opcijske storitve ( additional optional service -- AOS ) .
The set of usage rules would only apply between the Member States which decide to implement this approach .
Ta nabor pravil uporabe bi se uporabljal samo med državami članicami , ki se bodo odločile za izvedbo tega pristopa .
The EPC should be informed and asked to help in co-ordinating the implementation of the AOS , --- banks and customers resident in Member States not implementing this approach will neither have to adopt the set of usage rules nor do they have to introduce , transmit or read the b.o.p. codes .
EPC bi bilo treba obvestiti in zaprositi za pomoč pri usklajevanju izvedbe AOS , --- bankam in strankam , ki so rezidenti držav članic , ki ne bodo izvedle tega pristopa , ne bo treba sprejeti pravil uporabe niti uvesti , prenašati ali brati šifer za plačilno bilanco .
Infrastructures providing payment services across Europe will only have to adopt the set of usage rules if they offer services to banks and customers resident in the Member States using this approach , --- the whole process requires the use of one harmonised code list about the economic nature of the underlying transactions , and one methodology to apply this code list .
Infrastrukture , ki ponujajo plačilne storitve po Evropi , bodo morale sprejeti nabor pravil uporabe samo , če ponujajo storitve bankam in strankam , ki so rezidenti držav članic , ki uporabljajo ta pristop , --- celoten postopek zahteva uporabo enega usklajenega seznama šifer o ekonomski naravi temeljnih transakcij in ene metodologije za uporabo tega seznama šifer .
Such a code list is made available by the ECB .
Tak seznam šifer da na voljo ECB .
Once the coded information is introduced in the SEPA message , its treatment is fully automated by banks , without hampering the straight through processing of the payment .
Ko se šifrirane informacije uvedejo v sporočilo SEPA , banke njihovo obravnavo popolnoma avtomatizirajo , brez oviranja obdelave plačila brez ročnega posredovanja .
Furthermore the ECB recommends to closely monitor the developments in the coming years , taking into account technical developments in SEPA and developments in statistical collection methods .
ECB nadalje priporoča pozorno spremljanje razvoja v naslednjih letih , ob upoštevanju tehničnega razvoja SEPA in razvoja metod zbiranja statističnih informacij .
Review clause --- use of the Bank Identifier Code ( BIC )
Klavzula o reviziji -- uporaba identifikacijske kode banke ( Bank Identifier Code -- BIC )
According to Article 12 ( 1 ) of the proposed regulation , the Commission must , by December 2012 at the latest , present to the European Parliament , the Council , the European Economic and Social Committee and the ECB a report on the use of IBAN and BIC in relation to the automation of payments , accompanied by an appropriate proposal .
V skladu s členom 12 ( 1 ) predlagane uredbe mora Komisija najkasneje do decembra 2012 Evropskemu parlamentu , Svetu , Evropskemu ekonomsko-socialnemu odboru in ECB predložiti poročilo o uporabi številke IBAN in kode BIC v zvezi z avtomatizacijo plačil ter temu priložiti ustrezen predlog .
On the assumption that the aim of this provision is to facilitate and make more efficient the initiation of payments , the ECB would support the possible abolition of the need for retail customers to use the BIC if the use of IBAN only is technically possible , as this would ease the burden of providing two different identifiers .
Ob domnevi , da je cilj te določbe lažje in učinkovitejše odrejanje plačil , bi ECB podprla morebitno odpravo zahteve , da stranke pri transakcijah majhnih vrednosti uporabljajo BIC , če je tehnično možna uporaba zgolj IBAN , saj bi to zmanjšalo breme zagotavljanja dveh različnih identifikacijskih oznak .
( 1 ) If this step were to be taken , the European Payments Council ( EPC ) would have to be requested to make mandatory the existing field on the country of residence of the payer , currently optional in the SEPA message ( and possibly to agree on a codification ) .
( 1 ) Če bi se odločili za tak ukrep , bi morali od Evropskega sveta za plačila ( European Payments Council -- EPC ) zahtevati , da obstoječe polje o državi prebivališča plačnika , ki je trenutno v sporočilu SEPA opcijsko , določi kot obvezno ( in se po možnosti dogovori o šifriranju ) .
IBAN was introduced as a mandatory requirement for equal charging under Regulation ( EC ) No 2560/2001 and has , in the ECB 's view , proven to be a cornerstone for the standardisation of payments in the context of SEPA as it enhances straight through processing and facilitates the verification of account numbers .
IBAN je bil uveden kot obvezna zahteva za enako zaračunavanje po Uredbi ( ES ) št . 2560/2001 in se je po mnenju ECB izkazal kot temelj za standardizacijo plačil v okviru SEPA , saj izboljšuje obdelavo brez ročnega posredovanja in olajšuje preverjanje številk računov .
The ECB would therefore strongly recommend retaining the mandatory use of IBAN .
ECB bi zato močno priporočila , da se ohrani obvezna uporaba IBAN .
The ECB further notes that the introduction of a similar standard format for securities accounts comparable with the regime for IBAN could enhance the conflicts of law regime for intermediated securities .
ECB poleg tega ugotavlja , da bi uvedba podobnega standardnega formata za račune vrednostnih papirjev , ki bi bil primerljiv z ureditvijo IBAN , lahko izboljšala sistem kolizijskih pravil za vrednostne papirje , ki se nahajajo pri posrednikih .
Charges for cross-border payments and corresponding national payments Article 3 ( 1 ) of the proposed regulation provides for the principle of equality of charges in respect of cross-border payments and corresponding domestic payments « of the same value » .
Člen 3 ( 1 ) predlagane uredbe določa načelo enakosti nadomestil v zvezi s čezmejnimi plačili in ustreznimi nacionalnimi plačili „enake vrednosti » .
The only criterion for identifying the corresponding domestic payment in the proposed regulation is the reference to the value of such equivalent payments .
Edino merilo za določitev ustreznega domačega plačila je po predlagani uredbi vrednost takšnih istovrstnih plačil .
In this respect , the ECB is concerned that the abovementioned provision might not provide payment service providers with adequate interpretation guidelines with regard to the notion of the corresponding domestic payments .
V tem pogledu je ECB zaskrbljena , da morda navedena določba ponudnikom plačilnih storitev ne bo zagotovila zadostnih smernic za razlago pojma ustreznih domačih plačil .
Hence , the ECB proposes introducing a paragraph setting out the basic assessment criteria in order to ensure its uniform application within the Community , instead of allowing payment service providers a wide margin of discretion as regards its interpretation .
Zato ECB predlaga vključitev odstavka , ki bi določil osnovna merila za presojo , s čimer bi se zagotovila enotna uporaba tega pojma v Skupnosti , namesto da se ponudnikom plačilnih storitev omogoča široko polje diskrecije glede njegove razlage .
Scope of application Regulation ( EC ) No 2560/2001 applies to « institutions » , and its Article 2 ( e ) defines them as « any natural or legal person which , by way of business , executes cross-border payments » .
Uredba ( ES ) št . 2560/2001 se uporablja za „institucije » , njen člen 2 ( e ) pa slednje opredeljuje kot „vsako fizično ali pravno osebo , ki v okviru poslovanja opravlja čezmejna plačila » .
It follows that neither the ECB nor national central banks ( NCBs ) are covered by Regulation ( EC ) No 2560/2001 .
Iz tega sledi , da Uredba ( ES ) št . 2560/2001 ne zajema niti ECB niti nacionalnih centralnih bank ( NCB ) .
This situation is altered by Article 2 ( 5 ) of the proposed regulation , which applies to payment service providers defined , inter alia , as « any of the categories referred to in Article 1 ( 1 ) of Directive 2007/64 / EC ...'
Ta položaj spreminja člen 2 ( 5 ) predlagane uredbe , ki se uporablja za ponudnike plačilnih storitev , opredeljene med drugim kot „katera koli od kategorij iz člena 1 ( 1 ) Direktive 2007/64 / ES [...
( 1 ) ( hereinafter the « PSD ') .
] » ( 1 ) ( v nadaljevanju „PSD ") .
Article 1 ( 1 ) of the PSD sets out categories of payment service providers , including the ECB and NCBs when not acting in their capacity as monetary authorities .
Člen 1 ( 1 ) PSD določa kategorije ponudnikov plačilnih storitev , vključno z ECB in NCB , kadar ne delujejo kot monetarni organi .
It follows from the abovementioned provisions that the proposed regulation would apply to cross-border payments up to EUR 50 000 made by the ECB or NCBs when they are acting outside the scope of their capacity as monetary authorities and when such transactions are not made for their own account .
Iz navedenih določb izhaja , da bi se predlagana uredba uporabljala tudi za čezmejna plačila do 50 000 EUR , ki jih izvršijo ECB in NCB , kadar delujejo zunaj svoje vloge denarnega organa in kadar takšne transakcije niso za njihov račun .
The ECB welcomes the extended scope of the proposed regulation in this respect , which is in line with the principles of SEPA .
ECB pozdravlja tako razširjeno področje uporabe predlagane uredbe , ki je skladno z načeli SEPA .
Additional legal comments The ECB supports the proposed regulation 's objective of complying with standards of good legislation and agrees with the introduction of the simplified definition framework .
ECB podpira cilj predlagane uredbe , da zadosti standardom dobre zakonodaje , in se strinja z uvedbo poenostavljenega okvira opredelitev .
However , a certain overlap seems to exist between the notion of « cross-border payments » and « payment transaction » contained respectively in Article 2 ( 1 ) and Article 2 ( 7 ) of the proposed regulation .
Vendar pa se zdi , da obstaja določeno prekrivanje med pojmoma „čezmejna plačila » in „plačilna transakcija » v členu 2 ( 1 ) oziroma členu 2 ( 7 ) predlagane uredbe .
The ECB is of the opinion that if a defined concept appears in more than one secondary Community legislation , the corresponding definition should , as far as possible , be identical in all such legislation to ensure legal certainty , especially in closely related legal acts .
ECB meni , da bi morala biti v primeru , da se opredeljeni pojem pojavlja v več kot enem predpisu sekundarne zakonodaje Skupnosti , odgovarjajoča opredelitev , kolikor je to mogoče , enaka v vseh takih predpisih , da bi se zagotovila pravna gotovost , zlasti v tesno povezanih pravnih predpisih .
However , there are some divergences between the concept of « payment instrument » as defined in Article 4 ( 23 ) of the PSD and its equivalent in Article 2 ( 2 ) of the proposed regulation .
Vendar pa obstajajo nekatera razhajanja med pojmom „plačilnega instrumenta » , kot je opredeljen v členu 4 ( 23 ) PSD , in njegovo inačico v členu 2 ( 2 ) predlagane uredbe .
In the PSD , reference is made to « payment order » whereas the definition in the proposed regulation refers to « payment transaction » .
V PSD je navezava na „plačilni nalog » , medtem ko se opredelitev v predlagani uredbi navezuje na „plačilno transakcijo » .
This is unfortunate and could cause confusion , especially since both « payment order » and « payment transaction » are defined concepts in both the proposed regulation and the PSD .
To ni najboljša rešitev in bi lahko povzročilo zmedo , še posebej , ker sta tako „plačilni nalog » kot „plačilna transakcija » pojma , opredeljena tako v predlagani uredbi kot tudi v PSD .
The ECB therefore suggests that these two legal acts be aligned with respect to the definition in question .
ECB zato predlaga , da se ta dva pravna predpisa glede zadevne opredelitve uskladita .
Since the proposed regulation does not contain any provision on transparency of charges corresponding to Article 4 of Regulation ( EC ) No 2560/2001 , the ECB recommends considering whether a reference should be made in the proposed regulation to the relevant provisions in the PSD in respect of conditions and information requirements for payment services . 5.2 .
Ker predlagana uredba ne vsebuje nobene določbe o preglednosti nadomestil , ki bi ustrezala členu 4 Uredbe ( ES ) št . 2560/2001 , ECB priporoča , da se preuči , ali bi se bilo treba v predlagani uredbi sklicevati na ustrezne določbe PSD v zvezi s pogoji in zahtevami glede informacij v zvezi s plačilnimi storitvami .