natgillin/translations-raw huggingface dataset:
Credit rating agencies are subject to various financial services directives, notably the Market Abuse3 and Capital Requirements Directives; they are also subject, on a voluntary basis, to the International Organisation of Securities Commissions (IOSCO) Code of Conduct Fundamentals for credit rating agencies.
Za bonitetne agencije se uporabljajo različne direktive o finančnih storitvah, zlasti Direktiva o zlorabi trga3 in Direktiva o kapitalskih zahtevah; prostovoljno lahko upoštevajo tudi Kodeks osnovnih načel ravnanja za bonitetne agencije, ki ga je izdalo Mednarodno združenje nadzornikov trga vrednostnih papirjev (IOSCO – International Organisation of Securities Commissions).
Credit rating agencies are, however, not prevented from continuing to provide credit rating services in the market: a credit rating agency which is required to refrain from providing credit rating services to a particular issuer would still be able to provide credit ratings to other issuers.
Ne glede na to se bonitetnim agencijam ne prepoveduje še naprej opravljati storitev bonitetnega ocenjevanja na trgu: bonitetna agencija, ki se mora vzdržati zagotavljanja storitev bonitetnega ocenjevanja za določenega izdajatelja, bo še vedno lahko opravljala storitve bonitetnega ocenjevanja za druge izdajatelje.
credit rating agencies gave the same rating to these virtually worthless financial assets as they did to government bonds.
Te so produktom, za katere se je izkazalo, da so praktično ničvredni, izstavljale enako oceno kot državnim obveznicam.
credit rating agencies in that third country are subject to legally binding rules which are equivalent to those set out in Articles 6 to 12 and Annex I, with the exception of Articles 6a, 8a, 8b and 11a; and';
za bonitetne agencije v tej tretji državi veljajo pravno zavezujoča pravila, ki so enaka pravilom iz členov 6 do 12 in Priloge I, z izjemo členov 6a, 8a, 8b in 11a, ter“;
Credit rating agencies may apply on a voluntary basis the Code of Conduct Fundamentals for credit rating agencies issued by the International Organisation of Securities Commissions, hereinafter the "IOSCO code".
Bonitetne agencije lahko prostovoljno upoštevajo Kodeks osnovnih načel ravnanja za bonitetne agencije, ki ga je izdalo Mednarodno združenje nadzornikov trga vrednostnih papirjev, v nadaljevanju „Kodeks IOSCO“.
Credit rating agencies must also continually review ratings.
Bonitetne agencije morajo ocene tudi stalno revidirati.
Credit rating agencies operating in the Community before [the date of entry into force of this Regulation] shall adopt all necessary measures to comply with this Regulation and shall submit an application for registration by [six months after the entry into force of this Regulation].
Bonitetne agencije, ki poslujejo v Skupnosti, pred [datum začetka veljavnosti te uredbe] sprejmejo vse potrebne ukrepe za uskladitev s to uredbo in najpozneje [šest mesecev po začetku veljavnosti te uredbe] predložijo vlogo za registracijo.
credit rating agencies others than those mandated by an issuer or its related third party and all credit rating agencies issuing sovereign ratings shall ensure that:
bonitetne agencije, ki jih izdajatelj ali z njim povezana tretja oseba ni pooblastila, in vse bonitetne agencije, ki izdajajo bonitetne ocene držav zagotovijo, da:
Credit rating agencies play an important role in global securities and banking markets, as their ratings are used by investors, borrowers, issuers and governments to make informed investment and financing decisions.
Bonitetne agencije imajo pomembno vlogo na svetovnih trgih vrednostnih papirjev in bančništva, saj njihove bonitetne ocene uporabljajo vlagatelji, kreditojemalci, izdajatelji in vlade pri sprejemanju z informacijami podprtih naložbenih in finančnih odločitev.
Credit rating agencies provide independent opinions on the probability of default or expected losses of companies, governments and a wide range of financial instruments.
Bonitetne agencije zagotavljajo neodvisna mnenja o verjetnosti izgub iz naslova neplačil ali pričakovanih izgub podjetij, vlad in širokega razpona finančnih instrumentov.
Credit Rating Agencies registered in the EU will be able undergo direct supervision by the European Securities Markets Authority, ensuring greater coherence and cost reduction.
Agencije za ocenjevanje bonitet, registrirane v EU, bo lahko neposredno nadziral evropski organ za trge vrednostnih papirjev, kar bo prispevalo k večji skladnosti in zmanjšanju stroškov.
Credit Rating Agencies Regulation
Uredba o bonitetnih agencijah
Credit rating agencies shall ensure that employees directly involved in the credit rating process:
Bonitetna agencija poskrbi, da zaposleni, ki so neposredno vključeni v bonitetni postopek:
credit rating agencies shall ensure that the lead rating analysts shall not be involved in credit rating activities related to the same rated entity or its related third parties for a period exceeding four years;
bonitetne agencije zagotovijo, da glavni bonitetni analitiki niso vključeni v dejavnosti bonitetnega ocenjevanja, ki so povezane z istim ocenjevanim subjektom ali njegovimi povezanimi tretjimi osebami dlje kot štiri leta;
Credit rating agencies shall make available in a central repository established by CESR information on their historical performance data and information about past credit rating activities.
Bonitetne agencije v osrednjem registru, ki ga vzpostavi CESR, dajo na razpolago podatke o svojih preteklih rezultatih in dejavnostih bonitetnega ocenjevanja.
Credit rating agencies shall notify the competent authority of the home Member State of any material changes to the conditions for initial registration.
Bonitetne agencije obvestijo pristojni organ matične države članice o vsaki bistveni spremembi pogojev za začetno registracijo.
Credit rating agencies should avoid situations of conflicts of interest and manage those conflicts adequately when they are unavoidable in order to ensure their independence.
Bonitetne agencije se morajo izogibati nasprotjem interesov in jih obvladovati, kadar se jim ni mogoče izogniti, da zagotovijo svojo neodvisnost.
Credit rating agencies should be included, due to their role in the securitisation process.
V seznam bi bilo treba vključiti bonitetne agencije, in sicer zaradi odgovornosti, ki jo imajo v procesu listinjenja.
Credit rating agencies should be subject to tough requirements to ensure the quality and transparency of ratings and that they are free from conflict of interest.
Bonitetne agencije morajo izpolnjevati stroge zahteve, da se zagotovi kakovost in preglednost ocen ter da ne nastane navzkrižje interesov.
Credit rating agencies should disclose conflicts of interest in a timely manner.
Bonitetne agencije morajo pravočasno razkrivati nasprotja interesov.
Credit rating agencies should disclose information on their rating methodologies and underlying assumptions, on any proposed changes to their methodologies or on specific information on certain types of credit ratings, such as sovereign ratings.
Bonitetne agencije bi morale razkriti informacije o svojih metodologijah bonitetnega ocenjevanja in predpostavkah, o vseh predlaganih spremembah v zvezi s temi metodologijami ali o določenih informacijah o nekaterih vrstah bonitetnih ocen, kot so ocene, ki jih izdajo državne bonitetne agencije.
Credit rating agencies should ensure that methodologies, models and key rating assumptions used for determining credit ratings are properly maintained, up-to-date and subject to a comprehensive review on a periodic basis.
Bonitetne agencije morajo poskrbeti, da se metodologije, modeli in ključne ocenjevalne predpostavke, ki se uporabljajo za določanje bonitetnih ocen, primerno vzdržujejo, posodabljajo in celovito revidirajo v rednih časovnih presledkih.
Credit rating agencies should establish appropriate internal policies and procedures in relation to employees involved in the credit rating process in order to prevent conflicts of interest and ensure at all times the quality, integrity and thoroughness of the rating and review process.
Bonitetne agencije morajo oblikovati ustrezne notranje politike in postopke glede zaposlenih, ki so vključeni v bonitetni postopek, da preprečijo nasprotja interesov in v vsakem trenutku zagotovijo kakovost, neoporečnost in temeljitost bonitetnega postopka in postopka revizije.
Credit rating agencies should not be included in this opinion.
v to mnenje ne bi smele biti vključene bonitetne agencije;
Credit rating agencies should play an important role in raising awareness of the users of ratings about the specificities of the structured finance products in relation to traditional ones.
Bonitetne agencije morajo imeti pomembno vlogo pri ozaveščanju uporabnikov bonitetnih ocen o posebnostih strukturiranih finančnih produktov glede na tradicionalne.
Credit rating agencies should provide an annual list of fees charged to clients for individual services.
Bonitetne agencije bi morale zagotoviti letni seznam honorarjev, zaračunanih strankam za posamezne storitve.
Credit rating agencies should take measures to avoid situations where issuers request the preliminary rating assessment of the structured finance instrument concerned from a number of credit rating agencies in order to identify the one offering the best credit rating for the proposed structure.
Bonitetne agencije morajo sprejeti ukrepe, s katerimi preprečijo, da bi izdajatelji zaprosili številne bonitetne agencije za predhodno oceno zadevnega strukturiranega finančnega instrumenta, da bi ugotovili, katera ponuja za predlagano strukturo najboljšo bonitetno oceno.
Credit rating agencies should use rating methodologies that are rigorous, systematic, and continuous and result in ratings that may be subject to validation based on historical experience.
Bonitetne agencije morajo uporabljati ocenjevalne metodologije, ki so stroge, sistematične in ustaljene ter iz katerih izhajajo bonitetne ocene, ki jih je mogoče ovrednotiti na podlagi preteklih izkušenj.
Credit rating agencies still are not perceived as sufficiently independent actors.
Bonitetne agencije še vedno niso prepoznane kot dovolj neodvisni akterji.
Credit rating analysts and other employees directly involved in the credit rating process, as well as persons closely associated with them as enumerated in Article 1(2)(a) to (d) of Commission Directive 2004/72/EC44, shall not buy or sell or engage in any transaction in any financial instrument issued, guaranteed, or otherwise supported by any rated entity within the area of primary analytical responsibility of the analyst, other than holdings in diversified collective investment schemes.
Analitiki bonitetnega ocenjevanja in drugi zaposleni, ki so neposredno vključeni v bonitetni postopek, ter osebe, ki so tesno povezane z njimi, kot je navedeno v členu 1(2)(a) do (d) Direktive Komisije 2004/72/ES44, ne sodelujejo pri nakupu, prodaji ali sklepanju poslov v zvezi s katerim koli finančnim instrumentom, ki ga izda, zanj jamči ali ga drugače podpira kateri koli ocenjevani subjekt s področja glavne analitične odgovornosti teh analitikov, razen če gre za deleže v razpršenih kolektivnih naložbenih shemah.
credit rating categories that may be attributed to structured finance instruments are clearly differentiated from rating categories that may be used to rate other types of rated entities or financial instruments;
bonitetne kategorije, ki se lahko dodelijo za strukturiran finančni instrument, se jasno razlikujejo od bonitetnih kategorij, ki se lahko uporabijo za ocenjevanje drugih vrst ocenjevanih subjektov ali finančnih instrumentov;
Credit rating sector
Sektor bonitetnih agencij
credit rating services, including the assessment of the credit worthiness of a supplier or customer of insurance or financial services;
storitve bonitetne ocene, vključno z oceno kreditne sposobnosti izvajalca ali stranke zavarovalnih ali finančnih storitev;
Credit rating stability: The joint shareholding partnership of the EIB and the EU in the EIF has provided the underpinning for the AAA/Aaa rating of the EIF.
Stabilnost bonitetnih ocen: skupno lastništvo delnic EIB in EU v EIS je zagotovilo podlago za to, da ima EIS bonitetno oceno AAA/Aaa.
Credit ratings may continue to be used for regulatory purposes following the adoption of measures in points (a) and (c) of paragraph 1 during a period not exceeding:
Bonitetne ocene se lahko v regulativne namene še naprej uporabljajo po sprejetju ukrepov v skladu s točkama (a) in (c) odstavka 1 v obdobju, ki ne presega:
Credit ratings shall be presented in accordance with the requirements set out in Section D of Annex I.
Bonitetne ocene se predstavijo v skladu z zahtevami iz oddelka D Priloge I.
Credit registers
Evidence posojil
credit registers;
evidence posojil;
Credit Risk
Kreditno tveganje
Credit risk means the risk of loss, or of adverse change in the financial situation, resulting from fluctuations in the credit standing of issuers of securities, counterparties and any debtors to which insurance and reinsurance undertakings are exposed, in the form of counterparty default risk, or spread risk, or market risk concentrations;
kreditno tveganje pomeni nevarnost izgube ali neugodne spremembe v finančnem položaju zaradi nihanj v kreditnem položaju izdajateljev vrednostnih papirjev, nasprotnih strank in morebitnih dolžnikov, katerim so izpostavljene zavarovalnice in pozavarovalnice v obliki tveganja neplačila nasprotne stranke, tveganja razpona ali koncentracij tržnega tveganja;
Credit risk mitigation for securitisation positions subject to the IRB approach
Zmanjševanje kreditnega tveganja za pozicije v listinjenju, ki so predmet pristopa IRB
Credit risk mitigation for securitisation positions subject to the Standardised Approach
Zmanjševanje kreditnega tveganja za pozicije v listinjenju, ki so predmet standardiziranega pristopa
Credit risk mitigation techniques
Tehnike za zmanjševanje kreditnega tveganja
credit risk to each counterparty is aggregated to arrive at a single legal exposure across transactions with each counterparty.
kreditno tveganje do vsake nasprotne stranke se sešteje, da se vzpostavi enotna pravno zavezujoča izpostavljenost za vse posle in z vsako nasprotno stranko.
Credit scoring provides investors and lenders with information on the creditworthiness of SMEs.
Kreditno točkovanje vlagateljem in posojilodajalcem zagotavlja informacije o kreditni sposobnosti MSP.
credit shall only be given for energy savings from taxation measures exceeding the minimum levels of taxation applicable to fuels as required in Council Directive 2003/96/EC3 or in Council Directive 2006/112/EC4;
upošteva se samo prihranek energije zaradi ukrepov obdavčitve, ki presegajo najnižje ravni obdavčitve goriv, kot je zahtevano v Direktivi Sveta 2003/96/ES3 ali Direktivi Sveta 2006/112/ES4;
Credit ssessments are c$onsidered to be publicly available only if they have been published in a publicly accessible forum and they are included in the ECAI’s transition matrix.
Šteje se, da so bonitetne ocene javno dostopne, samo če so objavljene na javno dostopnem forumu in vključene v matriko prehodov ECAI.
Credit standards on loans to enterprises were eased in net terms in particular in Italy and switched from a net tightening to a net easing in the Netherlands.
Kreditni standardi za posojila podjetjem so se neto ublažili zlasti v Italiji, na Nizozemskem pa je prišlo do preobrata iz neto zaostritve v neto ublažitev.
Credit Suisse identified companies with women on boards as demonstrating a higher share price performance compared to their counterparts without women on boards.
raziskava Credit Suisse pa je pokazala, da delnice podjetij z ženskami v upravnih odborih dosegajo boljše vrednosti od delnic podjetij, kjer ni žensk v upravnih odborih.
Credit Suisse identified companies with women on boards as demonstrating a higher share price performance compared to their counterparts without women on boards.
raziskava Crédit Suisse pa je pokazala, da delnice podjetij z ženskami v upravnih odborih dosegajo boljše vrednosti od delnic podjetij, kjer ni žensk v upravnih odborih.
Credit systems are sometimes developed within a broader qualifications framework (Scottish and Welsh credit and qualifications framework) or designed for specific qualifications (IFTS system in Italy).
Sistemi kreditnih točk so včasih oblikovani znotraj širšega okvira kvalifikacij (škotski okvir in okvir v Walesu za kreditne točke in kvalifikacije) ali za posebne kvalifikacije (sistem IFTS v Italiji).
Credit systems help individuals to progress in learning by facilitating transfer across different levels and types of education and training and across national borders.
Sistemi kreditnih točk so v pomoč posameznikom pri njihovem učnem napredku, saj poenostavljajo prenašanje kreditnih točk po različnih ravneh in vrstah izobraževanja in usposabljanja ter prek nacionalnih meja.
Credit transfer based on ECVET and applied to learning outcomes achieved in formal learning contexts should be facilitated by establishing partnerships and networks involving competent institutions, each of which is empowered, in their own setting, to award qualifications or units or to give credit for achieved learning outcomes for transfer and validation.
Z vzpostavitvijo partnerstev in mrež, ki bodo vključevala pristojne ustanove, je treba omogočiti lažje prenašanje kreditnih točk na podlagi sistema ECVET za učne rezultate, dosežene v uradnih učnih okvirih, vsaka pristojna ustanova pa je v svojem sistemu pooblaščena za dodelitev kvalifikacij ali enot ali kreditnih točk za dosežene učne rezultate za namen prenašanja in potrjevanja.
Credit transfers and direct debits are the only payment instruments for which specific pan-European payment schemes exist, namely the SEPA Credit Transfer (SCT) and SEPA Direct Debit (SDD) rulebooks developed by the European Payments Council (EPC) for payments in euro.
Kreditni prenosi in neposredne bremenitve so edini plačilni instrumenti, za katere obstajajo posebne vseevropske plačilne sheme, in sicer pravilnik kreditnih prenosov SEPA (SCT) in pravilnik neposrednih bremenitev SEPA (SDD), ki ju je za plačila v eurih razvil Evropski svet za plačila (EPC).
Credit transfers and direct debits in euros
kreditne prenose in neposredne bremenitve v eurih
Credit transfers and direct debits in euros
Kreditni prenosi in neposredne bremenitve v eurih
Credit union (financial cooperative)
Kreditna zadruga (finančna zadruga)
credit unions
kreditne zadruge
Credit Unions in certain Member States are already exempted from the CRD regulatory framework.
V nekaterih državah članicah so kreditne zadruge že izvzete iz regulativnega okvira direktive o kapitalskih zahtevah.
Credit unions, in which for example SMEs can finance each other on a not-for-profit basis, operate in some Member States.
V nekaterih državah članicah delujejo kreditne zadruge, v okviru katerih se lahko na primer MSP medsebojno financirajo na nepridobitni osnovi.
credit which falls within the scope of Directive 2008/48/EC.
kredite, ki spadajo v področje uporabe Direktive 2008/48/ES.
credit, suretyship, miscellaneous financial loss, legal expenses,
zavarovanje kredita, poroštva, različnih finančnih izgub, stroškov pravnega postopka;
Credit-bearing internships in industry should be integrated into curricula.
V učne načrte je treba vključiti tudi pripravništva v podjetjih, ki prinašajo kreditne točke.
Creditor haircuts and debt to equity conversion
Prisilni odpisi pri upnikih in pretvorba dolga v lastniški delež
Creditor protection would however be strengthened due to the fact that two disclosures concerning guarantees and commitments and related party transactions would become mandatory.
Zaščita upnikov bo okrepljena, saj bosta razkritji glede jamstev in obveznosti ter transakcij s povezanimi strankami postali obvezni.
Creditors and counterparties
Upniki in nasprotne stranke
Creditors and credit intermediaries are monitored in order to assess whether the requirements referred to in paragraph 1, points (a) and (b), are complied with on a continuing basis.
se dajalce kreditov in kreditne posrednike spremlja, da se oceni, ali so stalno izpolnjene zahteve iz točk (a) in (b) odstavka 1.
Creditors and, where applicable, credit intermediaries shall accurately assess the level of knowledge and experience with credit of the consumer by any means necessary so as to enable the creditor or the intermediary to determine the level of explanations to be given to the consumer and adjust such explanations accordingly.
Dajalci kreditov in, kjer je primerno, kreditni posredniki na kakršen koli ustrezen način natančno ocenijo znanje potrošnika o kreditih in njegove izkušnje z njimi, da lahko dajalec kredita ali kreditni posrednik določi, kako podrobno razlago potrebuje potrošnik, in razlage ustrezno prilagodi.
Creditors are more likely to lend when they are confident that the effectiveness of the justice system guarantees that they will be able to collect their loans.
Posojilodajalci bodo denar raje posojali, če so prepričani, da jim učinkovit pravosodni sistem zagotavlja vračilo posojil.
Creditors could be dissuaded from using this procedure if, in the case of the defendant’s opposition, they had to face the risk of court fees higher than those arising when immediately opting for ordinary civil proceedings.
Upniki bi se lahko odvrnili od uporabe tega postopka, če bi se v primeru ugovora tožene stranke morali soočiti z možnostjo višjih sodnih taks, kot so takse v primeru, ko se takoj odločijo za redni civilni postopek.
Creditors have the inalienable and acknowledged right to exercise their veto, once the notice/draft terms of merger have been published.
Upniki imajo neizpodbitno in priznano pravico do nasprotovanja takoj po objavi ponudbe ali namere o združitvi.
Creditors in commercial transactions, and especially SMEs, do not necessarily have appropriate credit management systems for preventing or managing late payments.
Upniki v trgovinskih poslih, zlasti vsa MSP, nimajo ustreznih sistemov za upravljanje kreditov za preprečevanje ali upravljanje zamujenih plačil.
Creditors may be less efficient than they could be and borrowers may face the risk of consumer detriment.
Dajalci kreditov so morda manj učinkoviti, kot bi lahko bili, in posojilojemalci lahko utrpijo škodo.
Creditors may hesitate to offer more cross-border credits because they do not have sufficient knowledge about the applicable personal insolvency regimes in other Member States (where these regimes exist).
Upniki se lahko obotavljajo pri zagotavljanju večjega števila čezmejnih kreditov, saj niso dovolj seznanjeni z veljavnimi ureditvami glede insolventnosti fizičnih oseb v drugih državah članicah (v katerih obstajajo take ureditve).
Creditors may rely on the value of the underlying collateral (mortgaged property), transfer the risk of default or sell the loan to a third party.
Dajalci kreditov se lahko zanašajo na vrednost osnovnega zavarovanja s premoženjem (premoženje pod hipoteko), prenesejo tveganje neplačila na tretjo stranko ali prodajo posojilo tretji stranki.
Creditors must consult the database prior to any commitment on the part of the consumer or guarantor, subject to the restrictions referred to in Article 9.
Dajalci kreditov morajo ob upoštevanju omejitev, navedenih v členu 9, preveriti to osrednjo zbirko podatkov, preden sprejmejo kakršno koli obveznost za potrošnika ali poroka.
Creditors seeking to enforce an order in another Member State are confronted with different legal systems, procedural requirements and language barriers which entail additional costs and delays in the enforcement procedure.
Upniki, ki poskušajo izvršiti nalog v drugi državi članici, se srečujejo z različnimi pravnimi sistemi, postopkovnimi zahtevami in jezikovnimi ovirami, ki povzročajo dodatne stroške in zamude v postopku izvršbe.
Creditors should also be able to consult the credit database over the lifetime of the loan in order to identify and assess the potential for default.
Dajalcem kreditov bi moralo biti tudi omogočeno, da v času trajanja posojila poizvedujejo v zbirki podatkov, da bi prepoznali in ocenili možnost morebitnega neizpolnjevanja plačilnih obveznosti.