natgillin/translations-raw huggingface dataset:
Based on the SEPA schemes , financial institutions can individually or in cooperation with others design and offer improved products or services to their customers .
Finančne institucije lahko na podlagi shem SEPA posamezno ali v sodelovanju z drugimi oblikujejo in svojim strankam ponudijo izboljšane produkte ali storitve .
Product improvements include >Faster settlement for payments >Mapping the Bank Identifier Code ( BIC ) from the International Bank Account Number ( IBAN ) Value-added ser vices include >E-invoicing >E-reconciliation >Payment solutions for internet banking
Izboljšave produktov vključujejo >hitrejšo poravnavo plačil >določitev bančne identifikacijske kode ( BIC ) na podlagi mednarodne številke bančnega računa ( IBAN ) Storitve z dodano vrednostjo vključujejo >elektronsko izdajanje računov >e-usklajevanje >plačilne rešitve za internetno bančništvo
One example of a product improvement is the possibility for the fast settlement of credit transfers ( priority payments ) , whereby the banking community could allow customers to settle urgent credit transfers within one banking day .
Primer izboljšave produkta je možnost hitre poravnave kreditnih plačil ( prioritetna plačila ) , kjer lahko banke strankam omogočijo poravnavo nujnih kreditnih plačil znotraj enega bančnega dne .
Another product improvement will be the possibility for customers to provide only the IBAN without the additional BIC when making payments .
Druga izboljšava produkta je možnost , da stranke pri opravljanju plačil navedejo samo IBAN brez dodatne kode BIC .
A service provider will then map the BIC from the IBAN .
Ponudnik storitev bo nato BIC določil iz številke IBAN .
Value-added services are defined as forward-looking services often linked to SEPA payment instruments .
Storitve z dodano vrednostjo so opredeljene kot napredne storitve , pogosto povezane s plačilnimi instrumenti SEPA .
These services can in principle be offered by banks as well as non-banks .
Načeloma lahko te storitve nudijo tako banke kot nebanke .
The Eurosystem has encouraged the EPC and corporates -- such as the EACT -- to cooperate on developing solutions and minimum standards for some of the most frequently used value-added services .
Eurosistem spodbuja EPC in podjetja -- kot je Evropsko združenje poslovnih finančnikov -- k sodelovanju pri razvoju rešitev in minimalnih standardov za nekatere najbolj pogosto uporabljene storitve z dodano vrednostjo .
Work has started on electronic invoicing ( e-invoicing ) , which is a service offered to customers before payment , whereby bills are sent directly to the payer 's internet banking application and , after the payer accepts the bill , an automatic payment instruction is created containing the relevant information on the payer and payee .
Začelo se je delo na elektronskem fakturiranju ( elektronskem izdajanju računov ) : to je storitev , ki se strankam ponudi pred plačilom , tako da se račun pošlje neposredno internetni bančni aplikaciji plačnika in ko plačnik sprejme račun , se izdela avtomatizirani plačilni nalog , ki vsebuje vse potrebne informacije o plačniku in prejemniku plačila .
Another service is electronic reconciliation ( e-reconciliation ) , which is a service offered to customers
Druga storitev je elektronsko usklajevanje ( e-usklajevanje ) : to je storitev , ki se strankam ponudi po plačilu : računi se avtomatizirano povežejo s plačili ,
after payment : here bills are electronically matched with the payment , and the payee 's records are automatically updated .
evidence prejemnika plačila pa se samodejno posodobijo .
Combining value-added services with the SEPA payment instruments creates large potential savings for the economy , as this eliminates paper and achieves end-to-end STP .
Uporaba storitev z dodano vrednostjo skupaj s plačilnimi instrumenti SEPA lahko ustvari precejšnje možnosti za prihranke v gospodarstvu , ker te storitve odpravljajo papir in omogočajo avtomatizirano obdelavo plačil od začetka do konca .
End-to-end straight-through processing : Value-added services offered before payment Value-added services offered after payment
Avtomatizirana obdelava plačil od začetka do konca : Storitve z dodano vrednostjo , ki se ponudijo pred plačilom
Processing the payment
Obdelava plačila
The infrastructures provide the operational side of the clearing and settlement of euro payments .
Infrastruktura zagotavlja operativno stran pri kliringu in poravnavi eurskih plačil .
The EPC has defined a framework that clarifies the rules and procedures to be followed by infrastructure providers ( i.e. ACHs , card scheme processors and other processors that handle , transfer and exchange payment-related information for financial institutions ) .
EPC je opredelil okvir , ki pojasnjuje pravila in postopke , ki jih morajo upoštevati ponudniki infrastrukture ( tj . avtomatizirane klirinške hiše , centri za obdelavo kartičnih shem in drugi centri za obdelavo , ki za finančne institucije obdelujejo , prenašajo in izmenjujejo informacije v zvezi s plačili ) .
Traditionally , these infrastructure providers have been responsible for the management of the rules , practices and standards related to payments made within a country , and they also typically offer their processing services to financial institutions .
Običajno so ti ponudniki infrastrukture odgovorni za upravljanje pravil , praks in standardov v zvezi s plačili znotraj države in nudijo svoje storitve obdelave tudi finančnim institucijam .
In the new SEPA environment , the rules and standards are defined in the SEPA schemes , which are generally separated from the processing infrastructures .
V novem okolju SEPA so pravila in standardi opredeljeni v shemah SEPA , ki so na splošno ločene od infrastrukture za obdelavo .
This separation will allow infrastructure providers to compete and offer their processing services to any bank or card scheme provider .
To ločevanje bo omogočilo ponudnikom infrastrukture , da med sabo konkurirajo in svoje storitve obdelave ponudijo katerikoli banki ali ponudniku kartične sheme .
The first PEACH ( STEP2 ) is managed by EBA Clearing .
Prvo vseevropsko avtomatizirano klirinško hišo ( STEP2 ) upravlja EBA Clearing .
EACHA is developing a framework which facilitates interoperability between different European infrastructures .
Evropsko združenje avtomatiziranih klirinških hiš razvija okvir , ki bo olajšal interoperabilnost med različnimi evropskimi infrastrukturami .
The framework should thus permit all SEPA credit transfers and direct debits to be sent and received by any customer in Europe .
Okvir naj bi tako omogočil , da vsa kreditna plačila in direktne obremenitve SEPA pošilja in prejema katera koli stranka v Evropi .
>THE TIMELINE The EPC has planned its timeline for the SEPA project around three main phases : a design phase , an implementation phase and a migration phase .
>ČASOVNI NAČRT EPC je oblikoval časovni načrt projekta SEPA na podlagi treh glavnih faz : faza načrtovanja , faza vzpostavitve in faza migracije .
SEPA instruments available
Instrumenti SEPA so na voljo
SEPA instruments generally in use
Instrumenti SEPA so v splošni uporabi
The first phase , the design phase , began in 2004 and is now almost complete .
Prva faza , to je faza načrtovanja , se je začela leta 2004 in je že skoraj končana .
This phase involves the design of the new credit transfer and direct debit schemes and the frameworks for cards and clearing and settlement infrastructures .
Ta faza zajema oblikovanje novih shem za kreditna plačila in direktne obremenitve ter okvirov , ki bodo veljali za kartice in infrastrukturo za kliring in poravnavo plačil .
The necessary standards and specification of security requirements have also been developed .
Razviti so bili tudi potrebni standardi in specifikacije glede varnostnih zahtev .
The second phase , the implementation phase , started in mid-2006 and will continue until end-2007 .
Druga faza , to je faza vzpostavitve , se je začela sredi leta 2006 in bo potekala do konca leta 2007 .
This phase of the project will concentrate on preparation for the roll-out of the new SEPA instruments , standards and infrastructures .
V tej fazi projekta bo pozornost namenjena pripravam na uvedbo novih instrumentov , standardov in infrastrukture SEPA .
Testing exercises will also be carried out in this phase .
V tej fazi bo opravljeno tudi testiranje .
National implementation / migration bodies that have now been established in each euro area country will assist by monitoring the different stakeholders » preparations for SEPA roll-out .
Nacionalni organi za izvajanje / migracijo , ki so bili ustanovljeni v vseh državah euroobmočja , bodo pomagali s spremljanjem priprav različnih zainteresiranih strani na uvedbo SEPA .
These stakeholders are very diverse , consisting of a number of parties such as banks , infrastructure operators , public administrations , companies and other users .
Te zainteresirane strani so zelo raznolike , saj obsegajo banke , upravljavce infrastrukture , javne uprave , gospodarske družbe in druge uporabnike .
The final phase will be a migration period , in which national payment schemes will coexist with the new SEPA schemes .
Zadnja faza bo faza migracije , v kateri bodo nacionalne sheme plačil obstajale skupaj z novimi shemami SEPA .
Customers will be offered both « old » national and new SEPA instruments , and the clearing and settlement infrastructures will be able to process payments made using both types of instruments .
Strankam bodo na voljo tako » stari « nacionalni instrumenti kot novi instrumenti SEPA , infrastrukture za kliring in poravnavo plačil pa bodo lahko obdelale plačila , opravljena z obema vrstama instrumentov .
The goal is to achieve a gradual marketdriven migration to SEPA , so that by end-2010 , a critical mass of transactions has migrated .
Cilj je doseči postopno migracijo v SEPA , ki jo bo sprožil trg sam , tako da bi bila do konca leta 2010 preusmerjena kritična masa transakcij .
I M PA C T O F S E PA O N S TA K E H O L D E R S
V P L I V S E PA N A Z A I N T E R E S I R A N E S T R A N I
The SEPA project will have a major impact on all stakeholders , creating opportunities as well as challenges .
Projekt SEPA bo imel velik vpliv na vse zainteresirane strani , saj ponuja priložnosti in izzive .
SEPA will bring more competition by making the euro area an integrated market in which providers can offer their services to the entire euro area market . The increased choice of ser vice providers , coupled with economies of scale , will ensure that customers are offered a wider range of competitive payment solutions .
SEPA bo prinesla večjo konkurenco , ker bo euroobmočje postalo povezan trg , na katerem lahko ponudniki povsod nudijo svoje storitve . Zaradi večje izbire med ponudniki storitev ter ekonomij obsega bodo imele stranke na voljo več konkurenčnih rešitev za plačila .
In addition , SEPA will provide the following benefits :
Poleg tega bo SEPA zagotovila naslednje koristi .
>FOR CONSUMERS SEPA payment instruments will be available throughout the euro area , making life easier for consumers generally .
>ZA POTROŠNIKE Plačilni instrumenti SEPA bodo na voljo na celotnem euroobmočju , kar bo na splošno olajšalo življenje potrošnikov .
>Consumers will only need one bank account .
>Potrošniki bodo potrebovali en sam bančni račun .
From this account , they will be able to make euro credit transfers and direct debit payments anywhere in the euro area as easily as they make national payments .
S tega računa bodo lahko opravljali eurska kreditna plačila in direktne obremenitve kjerkoli v euroobmočju prav tako enostavno , kot sedaj opravljajo plačila znotraj države .
They could , for instance , pay rent for children studying abroad , pay for a holiday home , or pay for services provided by European companies , e.g. mobile telephone services , insurance , utilities , etc. People who live , work or study outside their home country will no longer need one bank account at home and another one abroad .
Posamezniki bodo lahko na primer plačali najemnino za otroke , ki študirajo v tujini , počitniško hišo ali storitve , ki jih zagotavljajo evropske gospodarske družbe , npr . storitve mobilne telefonije , zavarovalnice , javne gospodarske službe itd .
>FOR MERCHANTS Payment cards are becoming a favourite payment instrument with consumers , and are increasingly replacing cheques and cash payments .
S tem se bo zmanjšala potreba , da bi s seboj nosili gotovino . >ZA TRGOVCE Plačilne kartice postajajo pri potrošnikih najbolj priljubljen plačilni instrument ter hitro nadomeščajo čeke in plačila v gotovini .
The use of cards is thus expected to grow in the future . To accept card payments , m e rc h a n t s n e e d a n a g re e m e n t w i t h a n acquiring bank , which processes card payments for the merchant by handling information on the payment and cardholder , and forwarding this via the clearing infrastructure to the cardholder 's bank .
Trgovci za sprejemanje kartičnih plačil potrebujejo sporazum z banko pridobiteljico , ki obdela kartična plačila za trgovca tako , da uredi informacije o plačilu in imetniku kartice ter jih prek klirinške infrastrukture posreduje banki imetnika kartice . V zvezi s tem SEPA nudi naslednje prednosti .
SEPA offers the following advantages in this regard : >Acquirers will be able to process all SEPA - >The use of payment cards will be more efficient , as consumers will be able to use the same card for all euro payments .
>Pridobitelji bodo lahko obdelali vsa kartična plačila , ki so v skladu z zahtevami SEPA , tudi čezmejna . V okolju SEPA bodo lahko trgovci za obdelavo kartičnih plačil izbrali katerega koli pridobitelja na euroobmočju ;
This will reduce the necessity for people to carry cash .
to bo povečalo konkurenco in znižalo stroške .
>Innovative ser vices can be offered to consumers irrespective of national borders .
>Terminali na prodajnih mestih na euroobmočju
The long-term goal of the banking industry is that SEPA payment instruments will only be used in electronic form . Payments can then easily be combined with value-added services , i.e. services designed to make the payment process before and after settlement of a payment simpler for the consumer and business .
>Potrošnikom bo mogoče ponuditi inovativne storitve ne glede na državne meje . Dolgoročen cilj bančnega sektorja je , da se plačilni instrumenti SEPA uporabljajo samo v elektronski obliki .
These include e-invoicing , mobile or internet payment initiation , airline e-tickets , credit advice or e-reconciliation . As a consequence , consumers will spend less time handling payments .
Plačila bo mogoče enostavno uporabljati skupaj s storitvami z dodano vrednostjo , to so storitve , namenjene poenostavitvi postopka plačila pred poravnavo plačila in po njej , tako za stranke kot za podjetja .
compliant card payments , even across b o r d e r s . I n t h e S E PA e n v i ro n m e n t , merchants will be able to choose any acquirer in the euro area to process their card payments ;
To vključuje elektronsko izdajanje računov , izvedbo mobilnega ali internetnega plačevanja , e-letalske vozovnice , obvestila o kreditnem plačilu ali e-usklajevanje .
this will increase competition and drive down costs .
S tem bodo stranke za plačevanje porabile manj časa .
>Point-of-sale terminals in the euro area will become increasingly standardised .
bodo vse bolj standardizirani .
As a consequence , there will be a wider choice of terminal providers , and merchants will be able to accept a wider range of cards with a single terminal .
Zato bo izbira ponudnikov terminalov večja , trgovci pa bodo lahko z enim samim terminalom sprejeli večji nabor kartic .
The increased competition between card schemes should also drive down fees .
Zaradi večje konkurence med kartičnimi shemami naj bi se znižale tudi provizije .
I M PA C T O F S E PA O N S TA K E H O L D E R S >F O R C O M PA N I E S SEPA will help companies simplify their management of payments .
V P L I V S E PA N A Z A I N T E R E S I R A N E S T R A N I >ZA GOSPODARSKE DRUŽBE SEPA bo gospodarskim družbam omogočila poenostaviti upravljanje plačil .
>Companies will be able to perform all of their euro-denominated financial transactions centrally from one bank account , using S E PA p ay m e n t i n s t r u m e n t s .
>Gospodarske družbe bodo lahko svoje finančne transakcije v eurih opravile centralno z enega bančnega računa in z uporabo plačilnih instrumentov SEPA .
T h e handling of payments will be simplified , as all incoming and outgoing payments will use the same format .
Obdelava plačil bo poenostavljena , ker se bo za prilive in odlive uporabljala enaka oblika .
By consolidating their payment and liquidity management in one location , companies with euro area-wide business will also save not only on costs but also on time .
Gospodarske družbe , ki poslujejo na celotnem euroobmočju , bodo z združitvijo upravljanja plačil in likvidnosti na enem mestu prihranile ne le stroške , ampak tudi čas .
>Value-added services , such as e-invoicing and e-reconciliation , will help companies to optimise further their handling of payments .
>Storitve z dodano vrednostjo , kot je elektronsko izdajanje računov in e-usklajevanje , bodo gospodarskim družbam omogočile , da nadalje optimizirajo obdelavo plačil .
Today , these services are often only offered nationally , as different payment formats make cross-border use difficult .
Danes so te storitve pogosto na voljo samo na nacionalni ravni , ker je zaradi različnih oblik plačil čezmejna uporaba težka .
Standardised SEPA payment schemes will make this obstacle easier to overcome .
Zaradi standardiziranih shem plačil SEPA bo to oviro lažje premagati .
>FOR BANKS By providing new payment instruments and euro area-wide infrastructures , SEPA will benefit banks in the following ways : >Banks will be able to expand their business and compete on a euro area level , as any bank can offer its services more easily to any individual in the euro area .
>ZA BANKE SEPA bo z zagotovitvijo novih plačilnih instrumentov in infrastrukture za celotno euroobmočje bankam prinesla naslednje koristi . >Banke bodo lahko razširile svoje poslovanje in konkurirale na ravni euroobmočja , ker bo vsaka banka lažje nudila svoje storitve vsakemu posamezniku na euroobmočju .
Banks can also expand their business by offering their customers valueadded services in addition to SEPA products .
Banke lahko svoje poslovanje razširijo tudi tako , da svojim strankam poleg produktov SEPA ponudijo tudi storitve z dodano vrednostjo .
>Further European integration and market efficiency will ensue as a result of SEPA .
>SEPA bo okrepila evropsko povezovanje in tržno učinkovitost .
By aligning the conditions under which payments are made , SEPA will provide a single set of rules , equal and open access , reachability , transparency and interoperability which will encourage competition , thereby allowing banks to negotiate better conditions with their service providers .
Z uskladitvijo pogojev opravljanja plačil bo območje SEPA zagotavljalo en sam niz pravil , enak in odprt dostop , dosegljivost , preglednost in interoperabilnost , kar bo spodbujalo konkurenco in s tem bankam omogočilo , da s pogajanji od ponudnikov storitev dobijo boljše pogoje .
>Regulation No 2560/2001 , which established the principle of equal charges for a cross-border and a comparable domestic payment within the EU , has created an imbalance between bank fees and costs for cross-border payments .
2560/2001 , ki določa načelo enakih stroškov za čezmejna in primerljiva domača plačila v EU , je ustvarila neravnovesje med bančnimi provizijami in stroški za čezmejna plačila .
This imbalance can only be overcome if the handling of cross-border payments -- in terms of processing , clearing and settlement -- is reorganised to become as efficient and
To neravnovesje je mogoče premostiti le , če se obdelava čezmejnih plačil -- v smislu obdelave , kliringa in poravnave -- reorganizira tako , da postane prav tako učinkovita in
Regulation No 2560/2001 was introduced to make charges for comparable domestic and cross-border payments the same .
2560/2001 je bila uvedena zato , da se izenačijo stroški primerljivih domačih in čezmejnih plačil .
From 1 July 2002 it applied to card payments and withdrawals from automated teller machines ( ATMs ) , and from 1 July 2003 for credit transfers up to 12,500 .
julija 2002 se uporablja za kartična plačila in dvige na bankomatih , od 1 . julija 2003 pa za kreditna plačila do 12.500 Euros .
Since 1 January 2006 it has also applied to transfers in euro of up to 50,000 in value made between two euro-denominated accounts within the EU .
Od 1 . januarja 2006 se uporablja tudi za prenose v eurih do vrednosti 50.000 Euros med dvema računoma v EU , denominiranima v eurih .
inexpensive as the handling of national payments , which is the primary goal of SEPA .
cenovno ugodna kot obdelava plačil znotraj države , kar je primarni cilj SEPA .
I M PA C T O F S E PA O N S TA K E H O L D E R S >F O R I N F R A S T R U C T U R E P ROV I D E R S The separation of scheme management from the infrastructure providers will increase competition among infrastructure providers ( such as ACHs and card processors ) .
V P L I V S E PA N A Z A I N T E R E S I R A N E S T R A N I >ZA PONUDNIKE INFRASTRUK TURE Ločitev upravljanja sheme od ponudnikov infrastrukture bo povečala konkurenco med ponudniki infrastrukture ( kot so avtomatizirane klirinške hiše in centri za obdelavo kartic ) .
>Infrastructure providers will no longer be bound by national borders , but will instead be able to provide their services in support of the SEPA instruments throughout the euro area >Interoperability or interlinking among different infrastructure providers will become possible through a common set of technical standards .
>Ponudniki infrastrukture ne bodo več omejeni z državnimi mejami , ampak bodo lahko svoje storitve v podporo instrumentov SEPA opravljali na celotnem euroobmočju . >Interoperabilnost ali medsebojno povezovanje med različnimi ponudniki infrastrukture bo omogočeno prek skupnega niza tehničnih standardov .
>Card processors will be able to serve different card schemes and acquirers throughout the euro area .
>Centri za procesiranje kartic bodo lahko opravljali storitve za različne kartične sheme in pridobitelje na celotnem euroobmočju .
M I G R AT I O N E F F O R T S F O R C U S T O M E R S The overall impact of the changeover to SEPA on customers is expected to be as minor as possible , although this will ultimately depend on the type of service offered by their respective banks .
MIGRACIJA IN STRANKE Celoten vpliv prehoda na SEPA naj bi bil za stranke čim manjši , čeprav bo to odvisno predvsem od vrste storitev , ki jih bodo ponudile njihove banke .
Customers could experience some changes when the domestic payment instruments are replaced by SEPA payment instruments .
Stranke bi lahko občutile nekaj sprememb , ko bodo domače plačilne instrumente nadomestili plačilni instrumenti SEPA .
For example , a customer 's national bank account number could be replaced by their IBAN and BIC , and the layout of forms used to initiate payments could also differ from current national equivalents .
Nacionalno številko bančnega računa uporabnika bi lahko na primer nadomestil IBAN ali BIC , obrazci za plačila pa bi se lahko razlikovali od sedanjih nacionalnih obrazcev .
C O M P O N E N T S O F S E PA
E L E M E N T I S E PA
The SEPA project is an ongoing one , with the purpose of making the current fragmented euro retail payments markets into a single domestic market .
Projekt SEPA je projekt v teku , katerega cilj je preoblikovati sedanje razdrobljene trge eurskih plačil malih vrednosti v enoten domači trg .
The EPC is developing the building blocks upon which the SEPA project is founded .
EPC razvija gradnike , na katerih temelji projekt SEPA .