natgillin/translations-raw huggingface dataset:
In such situations, the effects, such as creation of jobs, economic or innovation activity, would have been realised anyway. Publicly supported guarantee schemes are most effective when the financed investment would otherwise not have been carried out, and the desired effects would not have been realised. 
V takih situacijah bi v vsakem primeru prišlo do učinkov, kot je ustvarjanje delovnih mest in ekonomske ali inovativne dejavnosti. garancijske sheme z javno podporo so najuspešnejše, kadar financirana naložba drugače ne bi bila izvedena in ne bi prišlo do želenih učinkov.
84. To ensure that the SMEG facility provides additional access to finance for SMEs, the Commission has developed ‘Guidance on enhanced access to finance’. This aims to ensure that the financial intermediary can use the portfolio guarantee only after the actual lending volume exceeds the lending volume that the intermediary would have achieved without the guarantee. 
84. zaradi zagotavljanja, da garancijska shema za mSP zagotovi dodaten dostop do financiranja za mSP, je Komisija razvila smernice o izboljšanem dostopu do financiranja. cilj tega je zagotoviti, da lahko finančni posrednik uporablja garancijski portfelj le, ko dejanski znesek posojila presega znesek posojila, ki bi ga posrednik dosegel brez garancije.
This concept of additionality is simple to use and can be easily embedded into the guarantee agreement. 
Uporaba tega koncepta dodatnosti, ki ga je mogoče zlahka tudi umestiti v garancijski sporazum, je preprosta.
39 BOX 5 EXAMPLE OF AN INNOVATIVE PROJECT The entrepreneur did not have sufficient collateral to secure a normal commercial loan of 40 000 euro. 
39 OkVIr 5 PrIMer InOVatIVneGa PrOjekta Podjetnik ni imel zadostne garancije za zavarovanje običajnega komercialnega posojila v višini 40 000 EUR.
However, in his previous job as a researcher he had acquired significant knowledge about the production of vinegar. He therefore used the guaranteed loan to start up a company producing high-quality vinegar. 
Vendar je v svoji prejšnji službi kot raziskovalec pridobil precejšnje znanje o proizvodnji kisa. zato je posojilo z garancijo uporabil za zagon podjetja za proizvodnjo visokokakovostnega kisa.
The production process used specifically cultivated bacteria that made the fermentation process more stable. 
Pri proizvodnem procesu je uporabil posebej vzgojene bakterije, s katerimi je postal proces fermen-tacije stabilnejši.
The resulting vinegar had a better taste and higher sugar content — qualities appreciated by consumers. 
Nastali kis je bil boljšega okusa in je imel večjo vsebnost sladkorja, potrošniki pa so ti odliki cenili.
The company’s operating market was regional and there were no other competitors using the same production process. Special Report No 4/2011 – The audit of the SME Guarantee facility 
Podjetje je delovalo na regionalnem tržišču, na katerem konkurenca ni uporabljala takšnega proizvodnega procesa. Posebno poročilo št. 4/2011 — Revizija garancijske sheme za mSP
However, additionality does not ensure that the additional volume at the level of the financial intermediary is also additional at the level of the economy. 
Vendar dodatnost ne zagotavlja, da je dodatna količina na ravni finančnega posrednika dodatna tudi na ravni gospodarnosti.
In the context of the SMEG facility, it is considered that deadweight occurs if guarantees are provided for loans to SMEs with sufficient collateral and without innovative investments. 
V kontekstu garancijske sheme za mSP se razume, da do nepotrebne izgube pride, če se garancije zagotovijo mSP, ki imajo zadostne garancije in nimajo inovativnih naložb.
However, when providing assistance on a portfolio basis, a certain level of deadweight is inevitable. 
Vendar je pri zagotavljanju pomoči na osnovi portfelja neka stopnja nepotrebnih izgub neizogibna.
The loan analysis revealed deadweight in more than a third of the loans in the sample (38 %, 69 out of 181, see Table 5). 
Analiza posojil je pokazala nepotrebno izgubo pri več kot tretjini posojil v vzorcu (38 %, 69 od 181, glej tabelo­5).
Other things being equal, these borrowers could have obtained the loans from commercial lenders without the SME guarantee. 
V nespremenjenih okoliščinah bi lahko ti posojilojemalci pridobili posojila od komercialnih bank brez garancije za mSP.
A survey of the MAP borrowers conducted by the interim evaluator showed a similar level of deadweight60. 
Anketa pri posojilojemalcih v okviru programa mAP, izvedena med vmesnim ocenjevanjem, je pokazala podobno stopnjo nepotrebnih izgub60. poSebni pogoji za poSojila 86.
Each guarantee agreement between the EIF and the financial intermediary contains a standard clause listing the principles of enhanced access to finance (see paragraph 54) for the benefit of SMEs without collateral or with innovative investments. 
Vsak garancijski sporazum med EIS in finančnim posrednikom vsebuje standardno klavzulo z načeli izboljšanega dostopa do financiranja (glej odstavek 54) za mSP brez garancije ali z inovativnimi naložbami.
There is not always a clear indication as to how the financial intermediary intends to target them. 
Ni vedno jasno navedeno, kako se namerava finančni posrednik usmeriti vanje.
Some financial intermediaries used specific lending conditions to attract such SMEs, thus minimising deadweight (see Box 6). 
Nekateri finančni posredniki so uporabili posebne pogoje za posojila, da bi privabili take mSP, in tako čim bolj zmanjšali nepotrebne izgube (glej okvir­6).
60 ‘The survey results indicate that two out of three companies would not have undertaken the project without the guaranteed loan, or would have done less. 
60 Rezultati ankete kažejo, da dva od treh podjetij ne bi izvedla projekta brez garancije za posojilo ali pa bi izvedla manj.
Only one out of three companies surveyed responded that they would have either set up the business or undertaken the project even without the guaranteed loan.’ 
Le eno od treh anketiranih podjetij je odgovorilo, da bi začelo poslovati ali izvedlo projekt tudi brez garancije za posojilo.
40 BOX 6 LENDING CONDITIONS TO ATTRACT EITHER INNOVATIVE SMEs OR SMEs WITHOUT SUFFICIENT COLLATERAL ο The guaranteed loans can be provided only to start-ups and SMEs with a short business history ο Ceiling on the loan amount ο Providing non-monetary benefits to the SMEs61 so that the guaranteed loans are not cheaper than non-guaranteed loans ο Higher guarantee rates for investments that are innovative or constitute to some extent a novelty 61 Suchasreducedcollateralrequirements,acceleratedcreditdecisionsandfixedinterestrates. Special Report No 4/2011 – The audit of the SME Guarantee facility 
40 OkVIr 6 POGOjI za POsOjIla, s katerIMI naj bI se PrIVabIlO InOVatIVna MsP alI MsP brez zadOstne GarancIje ο Posojila z garancijo se lahko zagotovijo le za nova mSP in mSP, ki so začela delovati pred kratkim ο zgornja meja zneska posojila ο zagotavljanje nedenarnih koristi za mSP61, tako da posojila z garancijo niso cenejša od posojil brez nje ο Višje garancijske stopnje za naložbe, ki so inovativne ali v določeni meri predstavljajo novost 61 Kotsozmanjšanezahtevezagarancijo,pospešeneodločitveokredituinfiksneobrestnemere. Posebno poročilo št. 4/2011 — Revizija garancijske sheme za mSP
While the first three lending conditions will lead to automatic preference for borrowers that lack collateral, the last condition will probably increase the interest of innovative SMEs. 
Prvi trije pogoji za posojilo bodo avtomatično pritegnili posojilojemalce brez garancije, zadnji pogoj pa bo verjetno povečal zanimanje pri inovativnih mSP.
The relative absence of lending conditions geared towards innovative SMEs may explain the low number of innovative investments found in the sample (see Table 5). EUROPEAN ADDED VALUE 88. 
Relativno pomanjkanje pogojev za posojilo, prilagojenih inovativnim mSP, lahko pojasni majhno število inovativnih naložb, ugotovljenih v vzorcu (glej tabelo­5). eVrOPska dOdana VrednOst 88.
As all the fields covered by the CIP are the shared responsibility of the Member States and the Community62, the SMEG facility also has to respect the subsidiarity principle stipulated in Article 5 of the Treaty. 
Ker so za vsa področja, ki jih pokriva PKI, skupaj odgovorne države članice in Unija62, mora garancijska shema za mSP spoštovati tudi načelo subsidiarnosti, določeno v členu 5 Pogodbe.
EU actions not falling within the exclusive competence of the Union, such as the SMEG facility, should be undertaken only if, and in so far, as the objectives of the proposed action cannot be sufficiently achieved by the Member States, but can rather, by reason of the scale or effects of the proposed action, be better achieved at the EU level. 
Ukrepi EU, kot je garancijska shema za mSP, ki niso v izključni pristojnosti Unije, se izvedejo le, če in v kolikor države članice ne morejo zadovoljivo doseči ciljev predlaganega ukrepa ter se jih torej zaradi obsega ali učinka predlaganega ukrepa lažje izpolni na ravni EU.
The concept of subsidiarity is reiterated in a recital preceding the CIP decision63, in the CIP proposal64 and in the CIP impact assessment65. 
Načelo subsidiarnosti je ponovljeno v uvodni izjavi sklepa o PKI63, v predlogu za PKI64 in v oceni učinka za PKI65.
In essence, the arguments used by the Commission in favour of the EU dimension of the financial instruments can be grouped under two headings: ο ensuring coherence in implementation; and ο the global nature of competition and innovation. 
V bistvu je mogoče argumente, ki jih je Komisija uporabila za evropsko razsežnost finančnih instrumentov, združiti v dve postavki: ο zagotavljanje skladnosti pri izvajanju in ο svetovna narava konkurenčnosti in inovativnosti. garancijSka Shema za mSp lahko nudi precejšnjo nedenarno podporo za poSrednika, vendar ni aktivnega prizadevanja za doSledno izvajanje 90.
In its CIP preparatory documents, the Commission argued that the European dimension would ensure diffusion of good practice in the delivery of financial instruments, including the SMEG facility. 
Komisija je v svojih pripravljalnih dokumentih za PKI trdila, da bo evropska razsežnost zagotovila širjenje dobre prakse pri dostavi finančnih instrumentov, vključno z garancijsko shemo za mSP.
Although similar measures exist in some Member States, the Community intervention will contribute to the consistency of implementation. 
Čeprav v nekaterih državah obstajajo podobni ukrepi, bo ukrep Unije prispeval k doslednemu izvajanju.
62 The Commission derived the legal bases of the CIP from Articles 172, 173(3) and 192(1) of the Treaty on the Functioning of the European Union (consolidated version after Lisbon Treaty). 
62 Komisija je izpeljala pravne podlage za PKI iz členov 172, 173(3) in 192(1) Pogodbe o delovanju Evropske unije (konsolidirana različica po Lizbonski pogodbi).
64 COM(2005)121final,6.4.2005. 
64 cOm(2005) 121 konč., 6.4.2005.
65 SEC(2005) 433, 6.4.2005. 
65 SEc(2005) 433, 6.4.2005.
41 Special Report No 4/2011 – The audit of the SME Guarantee facility 
41 Posebno poročilo št. 4/2011 — Revizija garancijske sheme za mSP
Several cases were found in which the financing from the EU budget was crucial, not only as a partial coverage of the credit losses, but also because it allowed the intermediary to try something new. 
Ugotovljenih je bilo več primerov, v katerih je bilo financiranje s strani Unije ključnega pomena ne le za delno kritje kreditnih izgub, ampak tudi zato, ker je posredniku omogočilo, da poskusi nekaj novega.
In two instances the SMEG facility helped with the development of guarantee or lending products that were new to the intermediary. For one of them, multiple attempts had to be made until the product gained sufficient recognition from the on-lending banks and the clients. It can be assumed that the product would not have been developed if the EIF and the Commission had not repeatedly collaborated with that intermediary. 
V dveh primerih je garancijska shema za mSP pomagala pri razvoju garancij ali posojil, ki so bili novi za posrednika. za eno od njih je bilo potrebnih več poskusov, preden so banke za nadaljnje posojanje in stranke produkt dovolj dobro sprejele. mogoče je predpostavljati, da produkt ne bi bil razvit, če EIS in Komisija ne bi večkrat sodelovala s posrednikom.
Furthermore, cooperation with the EU institutions may help smaller private financial intermediaries especially to gain recognition among the on-lending banks and/or their clients. 
Poleg tega lahko sodelovanje z institucijami EU pomaga manjšim zasebnim finančnim posrednikom zlasti pri ustvarjanju prepoznavnosti pri bankah za nadaljnje posojanje in/ali njihovih strankah.
This is corroborated by the result of the questionnaire sent to the financial intermediaries. 
To potrjuje rezultat vprašalnika, poslanega finančnim posrednikom.
Six out of 31 CIP intermediaries66 have developed a new loan or guarantee product and 16 out of 31 have significantly modified their existing products to participate in the CIP. 
6 od 31 posrednikov pri PKI66 je razvilo novo posojilo ali garancijo, 16 od 31 pa jih je znatno spremenilo svoje obstoječe produkte, da bi sodelovali pri PKI.
93. The SMEG facility increases the visibility of EU support among financial intermediaries. 
93. garancijska shema za mSP povečuje prepoznavnost podpore EU med finančnimi posredniki.
The audit visits showed that awareness of the EU guarantees among SMEs was not very high. 
Revizijski obiski so pokazali, da se mSP niso dobro zavedala obstoja garancij EU.
However, actively driven attempts to ensure consistency between the practices of different intermediaries were not observed. 
Vendar niso bila opažena aktivna prizadevanja za zagotavljanje skladnosti med praksami različnih posrednikov.
The EIF simply collects the information about the practices of the financial intermediaries, but does not question these practices. 
EIS preprosto zbira informacije o praksah finančnih posrednikov in o teh praksah ne postavlja vprašanj.
As has been shown in the case of lending conditions (see paragraph 86), a more active approach by the EIF might improve take-up of the facility by SMEs with innovative projects or insufficient collateral. 
Kot je bilo prikazano v primeru pogojev za posojilo (glej odstavek 86), bi aktivnejši pristop EIS lahko izboljšal sprejem sheme pri mSP z inovativnimi projekti ali nezadostno garancijo. garancijSka Shema za mSp izboljšuje konkurenčnoSt poSameznih podjetij, vendar to ne pomeni, da Se doSega evropSka dodana vrednoSt 94.
This aspect of EU added value is directly related to one of the CIP global objectives: ‘to foster the competitiveness of enterprises, in particular of SMEs’67. 
Ta vidik evropske dodane vrednosti je neposredno povezan z enim od splošnih ciljev programa PKI, ki je spodbujanje konkurenčnosti podjetij, zlasti mSP67.
In the preparatory documents, the Commission argued that the competition European firms face is increasingly global and innovation is seen as a global phenomenon that is not successful and sustainable in a closed environment. 
Komisija v pripravljalnih dokumentih ugotavlja, da je konkurenca, s katero se spopadajo evropska podjetja, vse globalnejša, inovativnost pa je svetovni pojav, ki v zaprtem okolju ni uspešen in trajnosten.
66 Intermediariesthat participate or plan to participate under CIP. 
66 Posredniki,kisodelujejoali nameravajo sodelovati pri PKI.
67 CIPDecision,Article2. 42 Special Report No 4/2011 – The audit of the SME Guarantee facility 
67 SklepoPKI,člen2. 42 Posebno poročilo št.
The loan analysis showed that the SMEG facility does indeed help individual enterprises to increase their competitiveness. 
Analiza posojila je pokazala, da garancijska shema za mSP dejansko pomaga posameznim podjetjem povečati njihovo konkurenčnost.
It was found that 74 out of 181 loans (41 %) were directly used to increase the enterprise’s competitiveness68. The SMEG facility delivers many other valuable results in relation to the creation of a more competitive environment. It enables small start-ups — mainly in the service sector — to emerge. 
Ugotovljeno je bilo, da je bilo 74 od 181 posojil (41 %) neposredno uporabljenih za povečanje konkurenčnosti podjetja68. garancijska shema za mSP zagotavlja številne druge cenjene rezultate v zvezi z ustvarjanjem konkurenčnejšega okolja. malih podjetjem v fazi zagona, predvsem v storitvenem sektorju, omogoča, da se pojavijo na trgu.
Out of the 181 loans in the sample, 26 loans (14 %) were used to start a new business and 15 loans (8 %) were used to finance post-start-up expansions of the business69. 
Od 181 posojil v vzorcu je bilo 26 posojil (14 %) uporabljenih za začetek novega podjetja, 15 posojil (8 %) pa za financiranje razširitev poslovanja v podjetjih po fazi zagona69.
It also helps to maintain the competitive landscape allowing individuals to become entrepreneurs by buying an existing SME (47 loans, 26 %). 
Prav tako pomaga ohranjati konkurenčno okolje, saj posameznikom omogoča, da postanejo podjetniki z nakupom obstoječega mSP (47 posojil, 26 %).
However, the EU added value of these results is not conclusive as the same effects could be achieved with funding from national budgets. 
Vendar evropska dodana vrednost teh rezultatov ni prepri-čljiva, ker bi bilo enake učinke mogoče doseči s financiranjem iz nacionalnih proračunov.
For instance, the Commission70 gives three suggestions on how an EU policy may impact competitiveness at the EU level71. 
Na primer, Komisija70 daje tri predloge o tem, kako lahko neka politika EU učinkuje na konkurenčnost na ravni EU71.
The EU policy might: ο have an impact on the competitive position of EU firms in comparison with their non-EU rivals; ο stimulate cross-border investment flows, including relocation of economic activity; or ο be necessary to correct undesirable outcomes of market processes in European markets. 
Politika EU: ο lahko vpliva na stanje konkurenčnosti podjetjih v EU v primerjavi z njihovimi konkurenti zunaj EU; ο lahko spodbuja čezmejne naložbene tokove, vključno s pre-mestitvijo gospodarske dejavnosti; ali ο je nujna za popravo neželenih izidov tržnih procesov na evropskih trgih.
None of these effects were observed during the audit. 
97. med revizijo niso bili opaženi nobeni od teh učinkov.
The loan analysis confirmed that most of the SMEs are operating in local, regional or national markets. 
Analiza posojila je potrdila, da večina mSP deluje na lokalnih, regionalnih ali nacionalnih tržiščih.
Nineteen out of 181 loans (10 %) were provided to SMEs that had some cross-border activities and 13 loans (7 %) were used for investments that had a significant cross-border element72. 
19 od 181 posojil (10 %) je bilo zagotovljenih za mSP, ki so imeli nekaj čezmejnih dejavnosti, 13 posojil (7 %) pa je bilo uporabljenih za naložbe s pomembno čezmejno komponento72.
The scarcity of cross-border activities is not surprising given the types of businesses of the SMEs in the sample (for an overview, see Figure 5): 17 restaurants, eight taxi drivers, 41 small retail shops (bakery, butcher, newspaper shop or supermarket) or 17 craftsmen (car-penter, electrician, mason or roofer). Given these examples of borrowers whose businesses are usually local, the need for EU intervention is not sufficiently demonstrated. 
Pomanjkanje čezmejnih dejavnosti ni presenetljivo glede na vrste poslovanja mSP v vzorcu (za pregled glej sliko­5): 17 restavracij, 8 taksistov, 41 maloprodajnih trgovin (pekarna, mesar, trafika ali supermarket) ali 17 obrtnikov (tesar, električar, gradbenik ali krovec). glede na te primere posojilojemalcev, ki običajno poslujejo na lokalnih tržiščih, potreba po ukrepu EU ni zadostno prikazana.
68 The enterprise’s competitiveness was deemed to have increased if the business plan included information that the investment would either: • increase the enterprise’s production capacity of goods or services; or make it more efficient; • increase its market share; • increase its exports; • increase the performance/ training of its staff; • lead to more productive use of information technology; or • improve the marketing of its products or services. 
68 Razumevalo se je, da se je konkurenčnost podjetja povečala, če so bile v poslovnem načrtu informacije, da bo naložba: • povečala zmogljivost podjetja za proizvodnjo blaga ali storitev oziroma bo podjetje postalo učinkovitejše; • povečala njegov tržni delež; • povečala njegov izvoz; • povečala delovno uspešnost/ usposabljanje njegovih zaposlenih; • vodila do produktivnejše uporabe informacijske tehnologije; • ali izboljšala trženje njegovih izdelkov ali storitev.
Start-ups were considered separately as always increasing the competitive landscape. 
Podjetja v fazi zagona so bila obravnavana ločeno, ker so vedno povečevala konkurenčno okolje.
69 Poststart-upexpansion means an expansion of the business within three years after the start-up. 
69 Razširitev po fazi zagona pomeni razširitev poslovanja v treh letih po zagonu.
70 Commission Staff Working Paper ‘Impact assessment: Next steps — In support of competitiveness and sustainable development’, SEC(2004) 1377. 
70 Delovnidokumentosebja Komisije „Ocena učinka: Naslednji koraki – v podporo konkurenčnosti in trajnostnemu razvoju“, SEc(2004) 1377.
71 AlsomentionedinSEC(2005) 791. 
71 Omenjeno tudi v SEc(2005) 791.
72 The cross-border element was deemed significant if the aim of the investment was to increase production abroad, expand into markets abroad or create new business relations with foreign counterparts (e.g. suppliers). 
72 Čezmejna komponenta je veljala za pomembno, če je bil namen naložbe povečanje proizvodnje v tujini, razširitev na tuja tržišča ali ustvarjanje poslovnih odnosov s tujimi partnerji (npr. dobavitelji).
43 Special Report No 4/2011 – The audit of the SME Guarantee facility 
43 Posebno poročilo št. 4/2011 — Revizija garancijske sheme za mSP
Indeed, the scale of the individual guarantee deals does not go beyond national borders. In essence the SMEG facility operates as a set of national guarantee schemes, because there are significant differences between the national debt markets73. 
Posamezne garancijske pogodbe dejansko ne segajo čez nacionalne meje. garancijska shema za mSP v bistvu deluje kot sklop nacionalnih garancijskih shem, ker so med nacionalnimi trgi dolgov precejšnje razlike73.
These differences are caused by cultural as well as legal constraints and are so significant that the debt markets can be considered to be purely national. 
Te razlike nastajajo zaradi kulturnih in pravnih ovir in so tako velike, da je mogoče trge dolga obravnavati kot povsem nacionalne.
73 Also noted for instance by the ECB, ‘The financing of small and medium-sized enterprises in the Euro area’, ECB Monthly Bulletin, August 2007, p. 
73 To je na primer opazila tudi EcB v „Financiranje malih in srednje velikih podjetij v območju evra“, mesečni bilten EcB, avgust 2007, str.
44 FIGURE 5 LOAN ANALYSIS — TYPES OF BUSINESSES 19% 5% 12% Source: European Court of Auditors. 
44 slIka 5 analIza POsOjIla – Vrste POslOVanja 19% 5% 12% Vir: Evropsko računsko sodišče.
26% Manufacturing Retail Hotels, Restaurants, Catering Individual Craftsmen & Construction companies Taxi & Transportation Other 24% 14% Special Report No 4/2011 – The audit of the SME Guarantee facility 
26% proizvodnja maloprodaja hoteli, restavracije ter priprava in dostava hrane (catering) samostojni obrtniki in gradbena podjetja taksisti in prevoz drugo 24% 14% Posebno poročilo št. 4/2011 — Revizija garancijske sheme za mSP
45 CONCLUSIONS AND RECOMMENDATIONS deSign of The SMeg faciliTy 99. 
45 zAKLjUČKI IN PRIPOROČILA zaSnova garancijSke Sheme za mSp 99.
Although no explicit intervention logic was provided in the CIP preparatory documents for the SMEG facility, an implicit intervention logic can be found in the different preparatory documents of the CIP Decision. 
Čeprav v pripravljalnih dokumentih programa PKI za garancijsko shemo za mSP ni bilo nobene eksplicitne logike ukrepa, je implicitno logiko mogoče najti v različnih dokumentih sklepa o PKI.
However, there is no conceptual link between the problem at stake and the expected results and impacts as presented before the start of the intervention. 
Vendar med posameznim problemom ter pričakovanimi rezultati in učinki, kot so bili predstavljeni pred začetkom ukrepa, ni nobene konceptualne povezave.