natgillin/translations-raw huggingface dataset:
(19) Pozavarovalnica, ki opravlja posle pozavarovanja v zvezi s kreditnim zavarovanjem, njeni posli kreditnega pozavarovanja pa znašajo več kot le manjši del celotnega poslovanja mora oblikovati izravnalne rezervacije, ki niso del minimalnega kapitala; te rezervacije se izračuna v skladu z eno od metod, ki so določene v Direktivi 73/239/EGS in veljajo za enakovredne; nadalje ta direktiva matičnim državam članicam omogoča, da tudi od pozavarovalnic, katerih sedež je na njihovem ozemlju, zahtevajo oblikovanje izravnalnih rezervacij za vrste nevarnosti, razen kreditnega pozavarovanja po pravilih, ki jih je določila tista matična država članica.
(19) A reinsurance undertaking conducting reinsurance business in respect of credit insurance, whose credit reinsurance business amounts to more than a small proportion of its total business should be required to set up an equalisation reserve which does not form part of the solvency margin; this reserve should be calculated according to the one of the methods laid down in Directive 73/239/EEC and which are recognised as equivalent; furthermore this Directive should allow the home Member State to also require reinsurance undertakings whose head office is situated within its territory to set up equalisation reserves for classes of risks other than credit reinsurance, following the rules laid down by that home Member State.
(19) Pozavarovalnica, ki opravlja posle pozavarovanja v zvezi s kreditnim zavarovanjem, njeni posli kreditnega pozavarovanja pa znašajo več kot le manjši del celotnega poslovanja , mora oblikovati izravnalne rezervacije, ki niso del minimalnega kapitala; te rezervacije se izračuna v skladu z eno od metod, ki so določene v Direktivi 73/239/EGS in veljajo za enakovredne; nadalje ta direktiva matičnim državam članicam omogoča, da tudi od pozavarovalnic, katerih sedež je na njihovem ozemlju, zahtevajo oblikovanje izravnalnih rezervacij za vrste nevarnosti, razen kreditnega pozavarovanja po pravilih, ki jih je določila tista matična država članica.
(19) A reinsurance undertaking conducting reinsurance business in respect of credit insurance, whose credit reinsurance business amounts to more than a small proportion of its total business should be required to set up an equalisation reserve which does not form part of the solvency margin; this reserve should be calculated according to the one of the methods laid down in Directive 73/239/EEC and which are recognised as equivalent; furthermore this Directive should allow the home Member State to also require reinsurance undertakings whose head office is situated within its territory to set up equalisation reserves for classes of risks other than credit reinsurance, following the rules laid down by that home Member State.
V skladu z uvedbo mednarodnih standardov za poročanje o finančnem položaju IFRS 4 mora ta direktiva razjasniti preudarno obravnavo izravnalnih rezervacij, uveljavljenih v skladu s to direktivo.
Following the introduction of the IFRS 4, International Financial Reporting Standards, this Directive should clarify the prudential treatment of equalisation reserves established in accordance with this Directive.
Ker pa je treba nadzor pozavarovanja ponovno presoditi v skladu s projektom Solventnost II, ta direktiva ne določa nikakršnega nadaljnjega nadzora pozavarovanja v okviru Solventnosti II.
However, since supervision of reinsurance needs to be reassessed under the Solvency II project, this Directive does not pre-empt any future reinsurance supervision under Solvency II.
Celoten sistem plačilne sposobnosti neposrednih podjetij in pozavarovalnic je predmet temeljite analize in vnovične ocene v okviru projekta Solventnost II.
The whole solvency system of direct and reinsurance undertakings is the subject to a thorough analysis and reappraisal as part of the Solvency II project.
Direktiva o pozavarovanju ne sme vnaprej določati dela v zvezi s tem projektom, ki še ni dokončan, ali vplivati nanj.
The reinsurance directive should not pre-empt or prejudice work on this project, which has not yet been completed.
O tem obstaja splošno soglasje.
There is a general consensus on this.
Dodatek k uvodni izjavi 19 to razjasni.
The addition to recital 19 makes this clear.
UVODNA IZJAVA 20
RECITAL 20
(20) Pozavarovalnica mora razpolagati s sredstvi za kritje zavarovalno-tehničnih rezervacij, ki upoštevajo vrsto poslovanja, ki ga izvaja pozavarovalnica, predvsem naravo, znesek in trajanje pričakovanih zneskov škode, da bi zagotovili zadostnost, likvidnost, varnost, kakovost, donosnost in ujemanje naložb, za katere podjetje zagotovi, da so raznolike in zadostno razpršene, da bi podjetju omogočili odgovor na spreminjajoče se gospodarske okoliščine, predvsem glede razvoja na finančnih trgih in trgih z nepremičninami ali katastrofalnih vplivnih dogodkov.
(20) The reinsurance undertaking should have assets to cover technical provisions which shall take account of the type of business carried out by a reinsurance undertaking, in particular the nature, amount and duration of the expected claims payments, in such a way as to secure sufficiency, liquidity, security, quality, profitability and matching of its investments, which the undertaking shall ensure are diversified and adequately spread and which gives the undertaking the possibilities to respond adequately to changing economic circumstances, in particular developments in the financial markets and real estate markets or large impact catastrophic events.
(20) Pozavarovalnica mora razpolagati s sredstvi za kritje zavarovalno-tehničnih rezervacij in izravnalnih rezervacij , ki upoštevajo vrsto poslovanja, ki ga izvaja pozavarovalnica, predvsem naravo, znesek in trajanje pričakovanih zneskov škode, da bi zagotovili zadostnost, likvidnost, varnost, kakovost, donosnost in ujemanje naložb, za katere podjetje zagotovi, da so raznolike in zadostno razpršene, da bi podjetju omogočili odgovor na spreminjajoče se gospodarske okoliščine, predvsem glede razvoja na finančnih trgih in trgih z nepremičninami ali katastrofalnih vplivnih dogodkov.
(20) The reinsurance undertaking should have assets to cover technical provisions and equalisation reserves which shall take account of the type of business carried out by a reinsurance undertaking, in particular the nature, amount and duration of the expected claims payments, in such a way as to secure sufficiency, liquidity, security, quality, profitability and matching of its investments, which the undertaking shall ensure are diversified and adequately spread and which gives the undertaking the possibilities to respond adequately to changing economic circumstances, in particular developments in the financial markets and real estate markets or large impact catastrophic events.
UVODNA IZJAVA 21 A (novo)
RECITAL 21 A (new)
(21a) Glede na podobnosti med življenjskim pozavarovanjem, ki krije smrtno tveganje, in neživljenjskim pozavarovanjem, zlasti kritjem tveganj zavarovanja in trajanjem pogodb življenjskega pozavarovanja, je treba v skladu z določbami iz te direktive določiti zahtevani minimalni kapital za življenjsko pozavarovanje za izračun zahtevanega minimalnega kapitala za neživljenjsko pozavarovanje; vseeno je treba matični državi članici omogočiti, da pri določanju zahtevanega minimalnega kapitala pri dejavnostih življenjskega pozavarovanja, ki so povezane z investicijskimi skladi ali sodelujočimi pogodbami, uporabi določila Direktive 2002/83/ES.
(21a) In the light of the similarities between life reassurance covering mortality risk and non-life reinsurance, in particular the cover of insurance risks and the duration of the life reassurance contracts, the required solvency margin for life reassurance should be determined in accordance with the provisions laid down in this Directive for the calculation of the required solvency margin for non-life reinsurance; the home Member State should however be allowed to apply the rules provided for in Directive 2002/83/EC for the establishment of the required solvency margin in respect of life reassurance activities which are linked to investment funds or participating contracts.
UVODNA IZJAVA 25 A (novo)
RECITAL 25 A (new)
(25a) Direktiva mora veljati za končne pozavarovalne dejavnosti; zato je za namene te direktive treba podati definicijo končnega pozavarovanja; zaradi posebne narave te vrste pozavarovalne dejavnosti mora matična država članica imeti možnost, da predpiše posebne določbe za izvajanje končnih pozavarovalnih dejavnosti.
(25a) This Directive should be applicable to finite reinsurance activities; therefore a definition of finite reinsurance for the purposes of the application of this Directive should be necessary; due to the special nature of this line of reinsurance activity, the home Member State should be given the option to lay down specific provisions for the pursuit of finite reinsurance activities.
Določbe se v določenih posebnih točkah lahko razlikujejo od splošne ureditve, določene z direktivo.
These provisions could differ from the general regime laid down in this Directive on a number of specific points .
UVODNA IZJAVA 25 B (novo)
RECITAL 25 B (new)
(25b) Ta direktiva mora določiti pravila v zvezi s tistimi družbami s posebnim namenom, ki prevzamejo tveganja zavarovalnic in pozavarovalnic.
(25b) This Directive should provide rules concerning those special purpose vehicles that assume risks from insurance and reinsurance undertakings.
Posebna narava takšnih družb s posebnim namenom, ki niso zavarovalnice ali pozavarovalnice, zahteva vzpostavitev posebnih določb v državah članicah.
The special nature of such special purpose vehicles, which are not insurance or reinsurance undertakings, calls for the establishment of specific provisions in Member States.
Ob tem mora ta direktiva zagotoviti, da matična država članica določi podrobnejša pravila za določitev okoliščin, v katerih se izredne količine iz družb s posebnim namenom lahko uporabijo kot sredstva, ki pokrivajo tehnične določbe z zavarovalnicami ali pozavarovalnicami.
Furthermore, this Directive should provide that the home Member State should lay down more detailed rules in order to set the conditions under which outstanding amounts from a special purpose vehicle can be used as assets covering technical provisions by an insurance or a reinsurance undertaking.
Ta direktiva mora zagotoviti tudi, da se izterljive količine družb s posebnim namenom lahko ocenjuje kot odbitne količine na podlagi pozavarovanja ali pogodb o retrocesiji, v mejah iz te direktive, ki temelji na prošnji zavarovalnice pristojnemu organu, in po sporazumu tega organa.
This Directive should also provide that recoverable amounts from a special purpose vehicle may be considered as amounts deductible under reinsurance or retrocession contracts within the limits set out in this Directive, subject to an application by the insurance undertaking to the competent authority and after agreement of that authority.
UVODNA IZJAVA 29
RECITAL 29
(29) Pomembno je določiti, da se za pozavarovalnice, katerih sedež se nahaja izven Skupnosti in opravljajo dejavnosti pozavarovanja v Skupnosti, ne uporablja ugodnejša obravnava od tiste za pozavarovalnice, ki imajo svoj sedež v državi članici.
(29) It is important to provide that reinsurance undertakings whose head office is situation outside the Community and conduct reinsurance business in the Community should not be subject to a treatment which results in a more favourable than that provided to reinsurance undertakings having their head office in a Member State.
(29) Pomembno je določiti, da se za pozavarovalnice, katerih sedež je izven Skupnosti in ki opravljajo dejavnosti pozavarovanja v Skupnosti, ne uporabljajo določbe za ugodnejšo obravnavo od tistih za pozavarovalnice, ki imajo svoj sedež v državi članici.
(29) It is important to provide that reinsurance undertakings whose head office is situated outside the Community and which conduct reinsurance business in the Community should not be subject to provisions which result in treatment more favourable than that provided to reinsurance undertakings having their head office in a Member State.
Za pojasnitev.
For clarification purposes
UVODNA IZJAVA 33
RECITAL 33
(33) Treba je sprejeti obstoječi pravni okvir Skupnosti za zavarovanje, da bi upoštevali nov nadzorni režim za pozavarovalnice, ki ga določa ta direktiva, in zagotovili dosledni ureditveni okvir za celoten zavarovalni sektor.
(33) The existing Community legal framework for insurance should be adapted in order to take account of the new supervisory regime for reinsurance undertakings laid down, by this Directive and in order to ensure a consistent regulatory framework for the whole insurance sector.
Predvsem je treba prilagoditi obstoječe določbe, ki dovoljujejo „posredni nadzor“ organov, pristojnih za nadzor zavarovalnic, ki opravljajo dejavnost neposrednega zavarovanja, nad pozavarovalnicami.
In particular, the existing provisions which permit 'indirect supervision' of reinsurance undertakings by the authorities competent for the supervision of direct insurance undertakings should be adapted.
Nadalje je treba odpraviti trenutne določbe, ki državam članicam omogočajo, da zahtevajo zastavitev sredstev, ki pokrivajo zavarovalno-tehnične rezervacije pozavarovalnice , kadar je zavarovatelj pozavarovan s pozavarovalnico, ki je dobila dovoljenje skladno s to direktivo, ali z zavarovalnico.
Furthermore the current provisions enabling Member States to require pledging of assets covering the technical provisions of an insurance undertaking when the insurer is reinsured by a reinsurance undertaking authorised pursuant to this Directive or by an insurance undertaking should be abolished.
Končno, treba je predvideti, da se za zahtevani minimalni kapital za zavarovalnice, ki opravljajo dejavnosti pozavarovanja, če takšne dejavnosti predstavljajo pomemben del njihovega poslovanja, uporabljajo pravila za plačilno sposobnost za pozavarovalnice, določena v tej direktivi.
Finally, it should be provided that the solvency margin required to insurance undertakings conducting reinsurance activities, when such activities represent a significant part of their business, is subject to the solvency rules provided for reinsurance undertakings in this Directive.
Zato se skladno s tem spremenijo Direktive 73/239/EGS, 92/49/EGS in 2002/83/ES.
Directives 73/239/EEC, 92/49/EEC and 2002/83/EC should therefore be amended accordingly.
(33) Treba je prilagoditi obstoječi pravni okvir Skupnosti za zavarovanje, da bi upoštevali nov nadzorni režim za pozavarovalnice, ki ga določa ta direktiva, in zagotovili dosledni ureditveni okvir za celoten zavarovalni sektor.
(33) The existing Community legal framework for insurance should be adapted in order to take account of the new supervisory regime for reinsurance undertakings laid down by this Directive and in order to ensure a consistent regulatory framework for the whole insurance sector.
Nadalje je treba odpraviti trenutne določbe, ki državam članicam omogočajo, da zahtevajo zastavitev sredstev, ki pokrivajo zavarovalno-tehnične rezervacije zavarovalnice , in to ne glede na obliko tovrstne zahteve, kadar je zavarovatelj pozavarovan s pozavarovalnico, ki je dobila dovoljenje skladno s to direktivo, ali z zavarovalnico.
Furthermore the current provisions enabling Member States to require pledging of assets covering the technical provisions of an insurance undertaking , whatever form this requirement might take, when the insurer is reinsured by a reinsurance undertaking authorised pursuant to this Directive or by an insurance undertaking should be abolished.
Zato je treba skladno s tem spremeniti Direktive 73/239/EGS, 92/49/EGS in 2002/83/ES.
Directives 73/239/EEC, 92/49/EEC and 2002/83/EC should therefore be amended accordingly.
Za pojasnitev.
For clarification purposes.
1 UL C 321, 31.12.2003, str.
1 OJ C 321, 31.12.2003, p.
ČLEN 1, ODSTAVEK 2
ARTICLE 1, PARAGRAPH 2
Ta direktiva se ne uporablja za:
This Directive shall not apply to the following:
a) zavarovalnice, za katere se uporabljata Direktivi 73/239/EGS in 2002/83/ES;
a) insurance undertakings to which Directives 73/239/EEC and 2002/83/EC apply;
b) dejavnosti in organe iz člena 3(1) in (2) Direktive 73/239/EGS;
b) activities and bodies referred to in Article 3(1) and (2) of Directive 73/239/EEC;
b) dejavnosti in organe iz členov 2 in 3 Direktive 73/239/EGS;
b) activities and bodies referred to in Articles 2 and 3 of Directive 73/239/EEC;
c) dejavnosti in organe, navedene v členu 3 Direktive 2002/83/ES;
c) activities and bodies referred to in Article 3 of Directive 2002/83/EC;
d) dejavnosti pozavarovanja, ki ga opravlja vlada države članice, kadar zaradi znatnega javnega interesa deluje kot pozavarovatelj zadnje možnosti, ko to zahteva položaj na trgu, na katerem je objektivno nemogoče doseči komercialno kritje.
d) the activity of reinsurance conducted by the government of a Member State when this is acting, for reasons of substantial public interest, in the capacity of reinsurer of last resort in circumstances where such a role is required by a situation in the market in which it is objectively impossible to obtain commercial cover.
d) dejavnosti pozavarovanja, ki ga opravlja ali v celoti jamči vlada države članice, kadar zaradi znatnega javnega interesa deluje kot pozavarovatelj , vključno v primeru zadnje možnosti, ko to zahteva položaj na trgu, na katerem je neizvedljivo doseči ustrezno komercialno kritje.
d) the activity of reinsurance conducted or fully guaranteed by the government of a Member State when this is acting, for reasons of substantial public interest, in the capacity of reinsurer of last resort including in circumstances where such a role is required by a situation in the market in which it is unfeasible to obtain adequate commercial cover.
ČLEN 2, ODSTAVEK 1, TOČKA (A)
ARTICLE 2, PARAGRAPH 1, POINT (A)
(a) pozavarovanje pomeni dejavnost, ki sestoji iz sprejemanja nevarnosti, ki jih odstopi zavarovalnica, druga pozavarovalnica ali institucija za poklicno pokojninsko zavarovanje, ki spada na področje uporabe Direktive 2003/41/ES Evropskega parlamenta in Sveta 1 .
(a) reinsurance means the activity consisting in accepting risks ceded by an insurance undertaking, by another reinsurance undertaking or by an institution for occupational retirement provision falling under the scope of Directive 2003/41/EC of the European Parliament and of the Council 1
(a) pozavarovanje pomeni dejavnost, ki sestoji iz sprejemanja nevarnosti, ki jih odstopi zavarovalnica, druga pozavarovalnica .
(a) reinsurance means the activity consisting in accepting risks ceded by an insurance undertaking, by another reinsurance undertaking .
V primeru pozavarovalnice Lloyd's pozavarovanje pomeni tudi sprejemanje nevarnosti, ki jih odstopi kateri koli član pozavarovalnice Lloyd's, s strani zavarovalnice ali pozavarovalnice, razen pozavarovalnice Lloyd's.
In the case of the association of underwriters known as Lloyd's, reinsurance also means the accepting by an insurance or reinsurance undertaking other than the association of underwriters known as Lloyd's of risks ceded by any member of Lloyd's.
1 UL L 235, 23.9.2003, str.
1 OJ L 235, 23.9.2003, p.
Za pojasnitev sklicevanja na pozavarovalnico Lloyd's.
For clarification of the reference to the association of underwriters known as Lloyd's.
ČLEN 2, ODSTAVEK 1, TOČKA (AA) (novo)
ARTICLE 2, PARAGRAPH 1, POINT (A A) (new)
(aa) lastna pozavarovalnica pomeni pozavarovalnico, ki je v lasti finančnega podjetja, razen zavarovalnice, pozavarovalnice ali skupine zavarovalnic ali pozavarovalnic, za katere se uporablja Direktiva 98/78/ES, ali nefinančnega podjetja, katerih namen je zagotoviti pozavarovalno kritje izključno za nevarnosti za podjetja ali podjetij, katerim pripada, ali za podjetje ali podjetja iz skupine, katerih članica je lastna pozavarovalnica.
( aa ) captive reinsurance undertaking means a reinsurance undertaking owned either by a financial undertaking other than an insurance or a reinsurance undertaking or a group of insurance or reinsurance undertakings to which Directive 98/78/EC applies, or by a non financial undertaking, the purpose of which is to provide reinsurance cover exclusively for the risks of the undertaking or undertakings to which it belongs or of an undertaking or undertakings of the group of which the captive reinsurance undertaking is a member;
ČLEN 2, ODSTAVEK 1, TOČKA (N)
ARTICLE 2, PARAGRAPH 1, POINT (N)
(n) lastna pozavarovalnica pomeni pozavarovalnico, ki je v lasti
(n) captive reinsurance undertaking means a reinsurance undertaking owned either
finančnega podjetja razen zavarovalnice, pozavarovalnice ali skupine zavarovalnic ali pozavarovalnic, za katere se uporablja Direktiva 98/78/ES ali enega ali več nefinančnih podjetij, katerih namen je zagotoviti pozavarovalno kritje izključno za nevarnosti podjetja ali podjetij, katerim pripada, ali za podjetje ali podjetja iz skupine, katerih del je lastna pozavarovalnica.
by a financial undertaking other than an insurance undertaking or a reinsurance undertaking or a group of insurance or reinsurance undertakings to which Directive 98/78/EC applies, or by one or several non financial undertakings, the purpose of which is to provide reinsurance cover exclusively to the risks of the undertaking or undertakings to which it belongs or to an undertaking or undertakings of the group of which the captive reinsurance undertaking makes part.
(n) finančno podjetje pomeni enega od naslednjih subjektov:
(n) financial undertaking means one of the following entities:
(i) kreditna institucija, finančna institucija ali podjetje za pomožne bančne storitve v smislu člena 1(5) in (23) Direktive 2000/12/ES;
( i ) a credit institution, a financial institution or an ancillary banking services undertaking within the meaning of Article 1(5) and (23) of Directive 2000/12/EC;
(ii) zavarovalnica, pozavarovalnica ali zavarovalni holding v smislu člena 1(i) Direktive 98/78/ES;
(ii) an insurance undertaking, a reinsurance undertaking or an insurance holding company within the meaning of Article 1( i ) of Directive 98/78/EC;
(iii) investicijska družba ali finančna institucija v smislu točke 1 člena 4(1) Direktive 2004/39/;
(iii) an investment firm or a financial institution within the meaning of point 1 of Article 4(1) of Directive 2004/39/;
(iv) mešani finančni holding v smislu člena 2(15) Direktive 2002/87/ES.
(iv) a mixed financial holding company within the meaning of Article 2(15) of Directive 2002/87/EC.
ČLEN 2, ODSTAVEK 1, TOČKA (N A) (novo)
ARTICLE 2, PARAGRAPH 1, POINT (N A) (new)
(na) družba s posebnim namenom (SPV) pomeni katero koli podjetje, registrirano ali ne, razen obstoječe zavarovalnice ali pozavarovalnice, ki prevzame tveganja zavarovalnic ali pozavarovalnic in v celoti financira izpostavljenost takim tveganjem iz donosa izdaje dolga ali iz katerega drugega finančnega mehanizma, kjer so pravice odplačila za takšen dolg ali drug finančni mehanizem odvisne od obveznosti pozavarovanja te družbe.
( na ) special purpose vehicle (SPV) means any undertaking, whether incorporated or not, other than an existing insurance or reinsurance undertaking, which assumes risks from insurance or reinsurance undertakings and which fully funds its exposure to such risks through the proceeds of a debt issuance or some other financing mechanism where the repayment rights of the providers of such debt or other financing mechanism are subordinated to the reinsurance obligations of such vehicle.
ČLEN 2, ODSTAVEK 1, TOČKA (N B) (novo)
ARTICLE 2, PARAGRAPH 1, POINT (N B) (new)
(nb) končno pozavarovanje pomeni pozavarovanje, na podlagi katerega največja določena možnost izgube, izražena kot največje preneseno gospodarsko tveganje, ki izhaja iz pomembnih nevarnosti zavarovalnih pogodb in prenosov časovnih nevarnosti, presega premijo v času veljavnosti pogodbe, za omejeno, ampak pomembno vsoto, skupaj z najmanj eno od naslednjih dveh značilnosti:
( nb ) finite reinsurance means reinsurance under which the explicit maximum loss potential, expressed as the maximum economic risk transferred, arising both from a significant underwriting risk and timing risk transfer, exceeds the premium over the lifetime of the contract, by a limited but significant amount, together with at least one of the following two features: