natgillin/translations-raw huggingface dataset:
(7) Storitve denarnih nakazil, pri katerih ponudnik plačilnih storitev prejme od uporabnika plačilnih storitev sredstva samo z namenom, da posreduje sredstva prejemniku plačila.
(7) Money remittance services where the funds are accepted by the payment service provider from the payment service user for the sole purpose of delivering the funds to the payee.
(8) Izvrševanje plačilnih transakcij s katerim koli komunikacijskim sredstvom na daljavo, kakor so mobilni telefoni ali druge digitalne ali informacijske naprave, če ponudnik storitev, ki upravlja telekomunikacijski ali informacijski sistem ali mrežo olajšuje plačilo blaga ali storitev, ki niso digitalno blago ali storitve elektronske komunikacije in se tako ne opravljajo preko same naprave .
(8) Execution of payment transactions by any means of communication at a distance such as mobile telephones or other digital or IT devices where the service provider operating the telecommunication or IT system or network is facilitating the payment of goods or services that are not digital goods or electronic communication services and so are not provided through the device itself.
(8) Izvrševanje plačilnih transakcij s katerim koli komunikacijskim sredstvom na daljavo, kakor so mobilni telefoni ali druge digitalne ali informacijske naprave, s strani ponudnika storitev, ki upravlja telekomunikacijski ali informacijski sistem ali mrežo, v imenu uporabnika plačilnih storitev, razen če so digitalno blago ali storitve elektronske komunikacije v bistvu dobavljene prek naprave same ter se plačilo izvrši neposredno ponudniku storitev, ki upravlja telekomunikacijski ali informacijski sistem ali mrežo, in ne tretji osebi.
(8) Execution of payment transactions by any means of communication at a distance such as mobile telephones or other digital or IT devices by the service provider operating the telecommunication or IT system or network acting on behalf of the payment service user, except where the digital goods or electronic communication services are provided essentially using the device itself and the payment is made directly to the service provider operating the telecommunication or IT system or network, not to a third party.
(9) Izvrševanje plačilnih transakcij s katerim koli komunikacijskim sredstvom na daljavo, kakor so mobilni telefoni ali druge digitalne ali informacijske naprave, če ponudnik storitev, ki upravlja telekomunikacijski ali informacijski sistem ali mrežo, samo omogoči prenos sredstev za plačilo digitalnega blaga ali storitev elektronske komunikacije s pomočjo naprave, ne da bi kakor koli drugače posegal v storitev.
(9) Execution of payment transactions by any means of communication at a distance such as mobile telephones or other digital or IT devices where the service provider operating the telecommunication or IT system or network simply arranges a transfer of funds for the payment of digital goods or electronic communication services provided through the device, without any other intervention in the service provided.
PRILOGA 1 A (NEW)
ANNEX 1 A (NEW)
Plačujete (znesek plačila v valuti države članice, v kateri ima transakcija izvor)
You are paying (the amount of the payment in the currency of the Member State in which the transaction originates)
SIMBOL VALUTE XXX
CURRENCY SYMBOL XXX
v (valuta plačila)
in (the currency of the payment)
po menjalnem tečaju
at an exchange rate of
Provizija za transakcijo znaša (znesek plačila v valuti države članice, v kateri ima transakcija izvor)
The fee for this transaction will be (in the currency of the Member State in which the transaction originates)
Celotni stroški izvršitve plačila (znesek plačila v valuti države članice, v kateri ima transakcija izvor) znašajo
The total cost of making this payment (in the currency of the Member State in which the transaction originates) is
Prejemnik plačila bo plačilo prejel na dan
The payment will arrive with the person you are sending it to on
Dan v tednu, datum, mesec, leto
Day of the week, date, month year
Trenutno se plačilni sistemi posameznih držav članic med seboj zelo razlikujejo in sicer glede udeležencev, pravil, predpisov, učinkovitosti in stroškov.
At present the state of payment systems varies greatly from one country to the next, as regards the players, the rules, regulation, efficiency and cost.
Plačilni sistemi so dejansko predvsem nacionalno usmerjeni in trg ostaja domač.
Payment systems, indeed, are essentially national and the market remains domestic.
Delež čezmejnih plačil je povprečno manjši od 4 % in se bo verjetno le počasi večal.
Cross‑border payments account on average for less than 4%, a share which will probably increase only slowly.
Komisija predlaga direktivo za oblikovanje pravega enotnega plačilnega trga.
The Commission has proposed a directive which would create a genuine single market in payments.
Čeprav se nekatera predvidevanja Komisije zdijo optimistična, je gotovo, da bo vzpostavitev takšnega trga z uskladitvijo nacionalnih zakonodaj omogočila odpravo nekaterih ovir in imela pozitiven vpliv na rast.
Even if some of the Commission’s predictions appear optimistic, there is no doubt that the creation of such a market, by harmonising national laws, would remove certain obstacles and have positive effects on growth.
Poročevalec načeloma odobrava pobudo Komisije in podpira vzpostavitev celotnega pravnega okvira za plačilne storitve znotraj Evropske unije.
Your rapporteur approves the Commission’s initiative in principle and supports the introduction of a full legal framework for payment services within the European Union.
Ocenjuje, da predlog direktive prihaja ob primernem času za uspeh pobude bančnega sektorja, ki si prizadeva vzpostaviti enotno plačilno območje za plačila v evrih (SEPA) s ciljem, da bi se integrirale nacionalne plačilne infrastrukture in plačilni produkti v euro območju.
He takes the view that this proposal for a directive comes at an opportune moment in terms of aiding the success of the banking sector’s initiative of establishing a Single Euro Payment Area ( SEPA) with the objective of consolidating national infrastructures and products in the euro zone.
Pobuda Komisije je upravičeno osredotočena na elektronska plačila, ki naj bi nadomestila draga gotovinska plačila.
The Commission’s initiative rightly concentrates on the electronic payment methods which are destined to replace expensive cash methods.
Vzpostavitev usklajenega pravnega okvira za produkte in konsolidiranje plačilnih storitev bi moralo omogočiti racionalizacijo infrastruktur ter potrošnikom in uporabnikom omogočiti večjo izbiro ter višjo stopnjo zaščite.
Establishing harmonised regulation of products and consolidating payment services should allow infrastructures to be rationalised, offering consumers and users a wider choice and a higher level of protection.
Ta pravni okvir bo zmanjšal stroške s preglednostjo cen in razvojem zdrave konkurence.
This legal framework would lower costs through price transparency and the development of healthy competition.
Že dosežen napredek na področju usklajevanja pravnega okvira za plačila je še vedno omejen in ga je treba nadaljevati.
Progress to date in harmonising the legal framework for payments remains limited and is worth pursuing.
Predlog direktive, predložen Parlamentu, je bil predmet dolgih priprav, ki jih je Komisija začela leta 2000, posvetovanj z zainteresiranimi stranmi in strokovnjaki ter presoje vpliva.
The proposal for a directive submitted to Parliament has been in preparation by the Commission for a long time, beginning in 2000, with interested parties and experts being consulted and an impact analysis carried out.
Objavljeni cilji so okrepiti sodelovanje med nacionalnimi trgi in zagotoviti enake konkurenčne pogoje, izboljšati preglednost trga za ponudnike in uporabnike ter pojasniti pravice in obveznosti uporabnikov in ponudnikov.
The declared objectives are to enhance competition between national markets and ensure a level playing field, to increase market transparency for both providers and users, and to clarify the rights and obligations of users and providers.
Zato v prvotnem predlogu opredelitvi področja uporabe direktive (Naslov I) sledi opredelitev vrst akterjev, ki lahko opravljajo plačilne storitve za javnost, pri čemer se poleg kreditnih institucij uvedejo plačilne institucije kot nova vrsta ponudnikov storitev (Naslov II), sledi opredelitev zahtev za preglednost in obveščanje (Naslov III) ter navedba pravic in obveznosti uporabnikov in ponudnikov plačilnih storitev (Naslov IV).
After defining the scope of the directive (Title I), therefore, the initial proposal goes on to define the categories of players authorised to provide payment services to the public, creating alongside the credit institutions a new category of service provider – the payments institution (Title II) –, setting out the transparency and information requirements (Title III) and stating the rights and obligations of users and providers of payment services (Title IV).
Predlog Direktive temelji na členih 47(2) in 95(1) Pogodbe ES.
The proposal for a directive is based on Article 47, paragraph 2, and Article 95, paragraph 1, of the EC Treaty.
Poročevalec predlaga določene spremembe prvotnega predloga, ki bi izboljšale njegovo učinkovitost in upoštevale tehnične omejitve, s katerimi se srečuje industrija, ter hkrati ohranile cilj, da se z razvojem poštene konkurence zmanjšajo stroški uporabnikov.
Your rapporteur suggests making certain changes to the initial proposal in order to make it more effective and to take account of the industry’s technical constraints while maintaining the objective of reducing costs for the user by developing fair competition.
I – Vsebina, področje uporabe in opredelitev pojmov
I – Subject matter, scope and definitions
Področje uporabe direktive je treba omejiti na plačila v evrih ali v nacionalnih valutah držav članic, ki jih izvajajo ponudniki plačilnih storitev, ki se nahajajo v Skupnosti, bodisi da gre za ponudnika plačilnih storitev plačnika bodisi ponudnika plačilnih storitev prejemnika plačila.
The scope of the directive must be limited to payments made in euro or the national currencies of the Member States by providers of payment services located in the Community, whether they are the payment service providers of the payer or the payee.
To področje uporabe bo usklajeno s ciljem odprave meja na notranjem trgu.
This field of application would be consistent with the objective of doing away with borders in the single market.
Omogočalo bo oblikovanje sprejemljivih zahtev za ponudnike plačilnih storitev, takoj ko bo za različne posrednike začel veljati isti pravni okvir Skupnosti.
It would enable acceptable requirements to be formulated for payment service providers, given that the various players would all be governed by the same Community legal framework.
Prizadevanje Komisije, da predpiše pravila, ki veljajo za plačilne storitve v zvezi z vsemi plačilnimi sredstvi vseh držav na svetu, je zdaj nerealistično ali vsaj prezgodnje.
The Commission’s desire to enact rules applicable to payment services involving the currencies of all the countries of the world is currently unrealistic and, to say the least, very premature.
Zelo majhen delež čezmejnih plačil zunaj Skupnosti za vrste uporabnikov iz direktive ne upravičuje tako obsežnega področja uporabe predpisanih pravil, kot je opredeljeno v prvotnem predlogu direktive.
The very marginal proportion of cross-border payments outside the Community in the categories of users targeted by the directive does not justify such a broad field of application for the rules as that defined in the initial proposal for a directive.
Načela, ki jih vključuje direktiva, lahko kljub temu oblikujejo pravila dobre prakse za plačila izven Skupnosti, ki jih lahko ponudniki plačilnih storitev vzamejo kot smernice ali pa jih prostovoljno uresničujejo.
The principles contained in the directive could nevertheless constitute rules of good practice for payments outside the Community, which payment service providers could well take as a basis or follow voluntarily.
II – Ponudniki plačilnih storitev
II – Payment service providers
Uvedbo nove vrste posrednikov, plačilnih institucij, na trg plačilnih storitev morajo spremljati natančnejše določbe, da se zagotovita varnost in zaščita potrošnikov ter izogne izkrivljanju konkurence s kreditnimi institucijami.
The introduction into the payment services market of a new category of player – the payment institution – must be accompanied by more precise provisions in order to guarantee safety and protection for consumers and to avoid creating distortions of competition with the credit institutions.
Dejavnost plačilnih storitev je poslovna dejavnost, ki jo je zato treba izvajati ob upoštevanju pravil v zvezi s konkurenco in pravil, ki varujejo potrošnike ali uporabnike.
The activities of payment services are commercial activities which must, as such, be exercised in accordance with the rules of competition and the rules protecting consumers and users.
To upoštevanje vodi do predloga za več sprememb statusa plačilnih institucij in njihovega nadzora, zlasti da se upraviči zaupanje potrošnikov ali uporabnikov.
This consideration leads us to propose a number of amendments relating to the status of payment institutions and the controls exercised over them, inter alia in order to secure consumer and user confidence.
S tega vidika poročevalec odobrava pravilo, po katerem bi bila dejavnost plačilnih institucij odvisna od pridobitve dovoljenja.
Seen from this angle, your rapporteur is in agreement with the rule whereby the activities of a payment institution would be subject to authorisation.
Vendar predlaga, da se od plačilnih institucij zahteva ohranjanje najmanjšega deleža, katerega vsota bo povezana z dejansko izvedenimi dejavnostmi.
He nevertheless proposes requiring the holding of a minimum capital by payment institutions, the size of which would be proportionate to the activities actually engaged in.
Razen tega je treba sredstva strank v primeru stečaja institucije zaščititi z uvedbo določbe o okraju.
In addition, clients’ funds would have to be protected against bankruptcy of institutions by the introduction of a ring-fencing mechanism.
Njihove dejavnosti morajo biti omejene in strogo ločene od drugih poslovnih dejavnosti.
Their activities should be limited and rigorously separated from other commercial activities.
Izključeno bo prejemanje vlog, ki ne bo neposredno povezano s plačilom in izdajanjem kredita.
The reception of deposits not directly linked to a payment and the granting of credit would be excluded.
Te institucije mora nadzorovati pristojni nacionalni organ za nadzor nad kreditnimi institucijami, da bi zagotovili skladnost z doktrino in praksami pri izvajanju nadzora, kljub različnim stopnjam nadzora za plačilne institucije.
These establishments should be subject to controls by the national authority responsible for overseeing credit institutions in order to guarantee consistent philosophy and practice in the exercise of controls, even if the degree of control was different in the case of payment institutions.
Izvajanje dejavnosti plačilnih institucij mora biti, v nasprotju s predlogom Komisije, omejeno na pravne osebe, ki imajo za to dovoljenje.
Contrary to what the Commission proposes, exercise of the activities of payment institutions should be restricted to authorised legal persons.
Odstopanje, ki bi fizičnim ali pravnim osebam olajšalo opravljanje dejavnosti ponudnika plačilnih storitev brez dolžnosti do vseh obveznosti te kategorije ponudnika, se zdi, da mora biti izbrisano, čeprav objavljena obrazložitev omogoča spodbujanje izraza „postopen prehod teh ponudnikov iz neuradnega gospodarstva v uradni sektor“.
In our opinion, the derogation allowing natural or legal persons to provide payment services without being bound by all the obligations of this category of service provider should be removed, even though the reason given is that of facilitating ‘the gradual migration of these providers from the unofficial economy to the official sector’ .
Predlogi sprememb poročevalca si prizadevajo za sorazmerno krepitev statusa in nadzora nad plačilnimi institucijami ter so namenjeni zagotavljanju varnosti potrošniku ali uporabniku, ki ima pravico do pričakovanja plačilnega sistema.
The amendments proposed by your rapporteur aim to reinforce in a proportionate fashion the status and control of payments institutions and are intended to provide consumers and users with the security they are entitled to expect from a payment system.
III – Preglednost pogojev za plačilne storitve
III - Transparency of conditions for payment services
Določbe iz naslova III, ki zadevajo preglednost pogojev, v katerih se zagotavljajo plačilne storitve in njihovi stroški ter tudi informacije za uporabnike plačilnih storitev, so v celoti ustrezne.
The provisions contained in Title III relating to the transparency of conditions for payment services and their cost, as well as to the information to be given to users of payment services, are generally satisfactory.
Kljub temu je treba za nekatere tehnične ali praktične točke uvesti natančne navedbe ali spremembe.
Some clarifications and changes nevertheless need to be made on a number of technical and practical points.
Zlasti gre za zagotavljanje nekaterih jasnih in natančnih podatkov potrošnikom in uporabnikom, ki jim omogočajo primerjavo ponudb različnih ponudnikov plačilnih storitev, na podlagi katerih lahko izbirajo.
Notably, consumers and users should be provided with clear, succinct information, inter alia in the shape of a form, so that they can compare the offers of different payment service providers and choose on the basis of a full knowledge of the facts.
IV – Pravice in obveznosti v zvezi z opravljanjem in uporabo plačilnih storitev
IV - Rights and obligations linked to the provision and use of payment services
Naslov IV, ki opredeljuje pravice in obveznosti v zvezi z opravljanjem in uporabo plačilnih storitev, je dobro usmerjen.
Title IV, which defines the rights and obligations linked to the provision and use of payment services, is going along the right lines.
Usklajenost nacionalnih pravnih sistemov v zvezi s plačevanjem omogoča podporo prizadevanjem bančnega sektorja, da bi vzpostavil SEPA, pobudo, ki jo poročevalec podpira.
Harmonisation of national legal systems governing payment would underpin the efforts of the banking sector to put in place the SEPA, an initiative which has the support of your rapporteur.
Nekatere točke si kljub temu zaslužijo natančno določitev ali izboljšanje za bolj uravnoteženo povezavo med ponudniki plačilnih storitev in uporabniki.
However, certain points need to be clarified or improved with a view to making relations between payment service providers and users more balanced.
Rok izvršitve, s ciljem modela D + 1, se zdi dokončno realističen, če bo področje uporabe direktive omejeno, in sicer v zvezi s plačili, ki se izvajajo v okviru notranjega trga in v valutah držav članic.
With regard to the execution time, the J+1 objective seems realistic in the long term, provided that the scope of the directive was narrowed to cover only payments made within the single market in the currencies of the Member States.
Če sedanje ali prihodnje tehnike omogočajo bistveno skrajšanje časa obdelave plačil, je res, da dejansko izvajanje predpostavlja infrastrukture, katerih stroški so pomembni.
While present or future technology may allow the time taken to process payments to be considerably reduced, the fact remains that implementation in reality calls for expensive infrastructure.
V zvezi s tem je torej treba upoštevati načelo sorazmernosti med dejansko uporabnostjo kratkega roka izvršitve plačila za uporabnika in stroškom tega plačila.
The principle of proportionality between the real usefulness to the user of a short payment execution time and the cost of the payment must therefore be borne in mind.
Sicer ne bi bilo presenetljivo, da se konkurenca med ponudniki plačilnih storitev lahko uporablja ne le pri stroških, ampak tudi pri času izvršitve v zvezi s predlagano ceno.
And, indeed, there is nothing to prevent competition between payment service providers from being exercised not only in the area of price, but also in that of execution time set against price.
V teh pogojih bi bilo primerno do leta 2012 ponovno sprožiti cilj modela D + 1 in ga uskladiti z dodatnim rokom, vsakič ko je potrebna pretvorba valute.
This being the case, it would be advisable to postpone the J+1 objective until 2012 and to extend it each time that currency exchange was necessary.
Na splošno podpiramo cilje predloga o plačilnih storitvah na notranjem trgu.
In general, we are in favour of the objective of the proposal on payment services in the internal market.
Z odpravljanjem pravnih ovir in ustvarjanjem enakih pogojev za vse bi se lahko na trgu plačilnih storitev konkurenca povečala v korist potrošnikov.
By eliminating the legal obstacles and creating a level playing field, the competition on the payment service market could increase into the benefit of the consumers.
V nekaterih točkah pa je vendarle treba predlog prilagoditi ali ga bolj jasno oblikovati, da se zagotovi ustrezno varstvo potrošnikov.
However, the proposal needs to be adapted or clarified on some points, in order to guarantee a sufficient protection of the consumer.
Moje poročilo se torej osredotoča na naslednja poglavitna vprašanja:
Therefore, my report for advice will be concentrated on the following main issues:
Naslov I: Predmet in področje uporabe
Title I: Subject & Scope:
Nekatere opredelitve je treba izboljšati zaradi jasnosti in notranje doslednosti.
For reasons of clarification and internal coherence, some definitions need to be improved.
Statut plačilnih institucij je treba zaradi varstva potrošnikov ohraniti le za pravne osebe, ne pa za fizične osebe.
For consumer protection reasons, it's necessary to preserve the statute of a payment institution to legal persons, and not to natural persons.
Po našem mnenju je obseg uporabe predloga preveč ambiciozen: s tem, ko je predlog namenjen uporabi za plačilne storitve v kateri koli valuti in predvideva, da se vsaj eden od ponudnikov plačilnih storitev nahaja v Skupnosti, obstaja tveganje, da bo šel predaleč.
In our opinion, the scope of the proposal is too ambitious: by applying the proposal to payment services made in any currency and where at least one of the payment service providers is located in the Community, the proposal risks to go too far.
Glede na ozemeljske omejitve uporabe evropske direktive predlagam, da se področje uporabe omeji na plačilne storitve, pri katerih se oba ponudnika plačilnih storitev nahajata v Skupnosti.
Given the territorial limits of the application of an European directive, I propose to limit the scope to payment services where both the payment service providers are situated in the EU.
Poleg tega se zdi primernejše omejiti področje uporabe na evro in na valute EU, namesto da velja za vse valute.
Further on, it seems more appropriate to limit the scope to Euro and EU currency instead of all currencies.
Izključitev mobilnih ponudnikov iz področja uporabe se ne zdi najprimernejša rešitev.
The exclusion of the scope from the mobile operators doesn't seem the most appropriate solution.
Izključitev uporabe naslovov III in IV pri plačilnih storitvah, kjer znesek transakcije presega 50.000 EUR, se ne zdi najboljša rešitev za varstvo potrošnikov.
The exclusion of application of title III and IV on payment services where the amount of the transaction exceeds 50000 does not seem, for consumer protection reasons, the best option.
Meja 50.000 EUR ter izključitev uporabe naslovov III in IV bi morali biti omejeni na plačila, ki jih opravijo MSP.
The 50000 euros limit and the exclusion of the application of title III and IV should be restricted to payment made by SME.
Naslov II: Plačilne institucije
Title II: Payment institutions: