natgillin/translations-raw huggingface dataset:
Četudi smo prepričani, da je po eni strani treba povečati konkurenco na trgu plačilnih storitev ter po drugi strani razlikovati med bankami in plačilnimi institucijami, je to nemara mogoče le, če so konkurenčni pogoji za vse udeležence enaki.
Although convinced of the need to increase competition on the payment service market on the one hand, and the differences between banks and payment institutions on the other hand, this might only be possible if there is a sufficient level playing field.
V prid varstvu potrošnikov in zaupanju v finančni sistem je torej potreben strožji regulatorni okvir za plačilne institucije.
Therefore, for consumer protection reasons and for the confidence in the financial system, the payment institutions need a stronger regulative framework.
S tem v zvezi predlagam naslednje poglavitne spremembe:
In these respect, I propose the following main adaptations:
- omejevanje dejavnosti plačilnih institucij (odpravo zagotavljanja izvršitve plačilnih transakcij in upravljanja plačilnih sistemov);
- a restriction of payment institutions' activities (no more guaranteeing the execution of payment transactions and no more operating of payment systems).
- ločen sistem knjiženja in varovanje potrošnikov z blokiranjem sredstev, ko gre plačilna institucija v stečaj;
- a separate booking system and protection of the consumers by ring fencing the funds in case of a payment institution is broke.
- vodenje evidence za vsaj 5 let;
- record keeping for at least 5 years.
- omejevanje možnosti, da bi plačilne institucije svoje dejavnosti prenesle na zunanje izvajalce;
- limiting the possibility of outsourcing the payment institutions activities.
Naslov gre v pravo smer, vendar so za varstvo potrošnikov in za boljšo preglednost potrebne nekatere spremembe.
However, for consumer protection reasons, and for reasons of clarification, some modifications are needed.
Potrošniki bi morali prejeti nekaj dodatnih informacij tako v trenutku, ko se sporočijo pogoji plačilne transakcije, kot tudi po sprejemu transakcije.
For consumer protection reasons, some additional information should be given to the consumer at the moment the conditions of a payment transactions are communicated as well as at after the acceptance of the transaction.
To se nanaša na posamezne plačilne transakcije in na okvirne pogodbe.
This concerns single payment transactions and framework contracts as well.
- podatki, ki potrošniku omogočajo seznanitev s stroški,
- information enabling the consumer to consult tariffs,
- pogoji, pod katerimi ima plačnik pravico do vračila in pravico do preklica plačila, ter časovno obdobje, v katerem veljata ti pravici;
- the conditions and the period of time under which the payer has a right to refund, the right of the payer to revoke a payment,
- podatki glede odgovornosti za izvršitev, vključno z odgovornostjo in pogoji, ki so povezani z neodobrenimi plačilnimi transakcijami.
- information concerning the liability for execution, including the liability and conditions regarding unauthorised payment transactions.
Obdobje za prenehanje plačilne pogodbe bi bilo treba z enega meseca podaljšati na dva meseca.
The period to terminate a payment contract should be extended to two months instead of one month.
Naslov IV: Pravice in obveznosti v zvezi z opravljanjem in uporabo plačilnih storitev
Rights and obligations in relation to the provision and use of payment services:
Za primere sporne odobritve je potrebna jasna opredelitev ali opis „ hude malomarnosti “.
A clear definition or description of ‘ serious negligence’ is needed in case of a disputed authorisation.
V vsakem primeru uporabnik ne bo prevzel nikakršne odgovornosti brez fizične predložitve plačilnega instrumenta in elektronske identifikacije.
Nevertheless, the user will not incur any liability if there has been no physical presentation of the payment instrument and electronic identification.
Ne strinjamo se z mnenjem, da je potrebna predpostavka o malomarnosti: samo dejstvo, da je tretja oseba lahko uporabila instrument, ne more biti dokaz o malomarnosti imetnika instrumenta.
We don't share the opinion of a need of presumption of negligence: the mere fact that a third person was able to use the instrument, cannot prove that the holder of the instrument has been negligent.
Državam članicam bi moralo biti omogočeno sprejetje predpisov, ki dodatno omejujejo odgovornost uporabnika v primeru odgovornosti za izgube, povezane z neodobrenimi plačilnimi transakcijami.
Member States should be allowed to adopt dispositions limiting further the liability of the user in case of a liability for losses in respect of unauthorised payment transactions.
Ne zdi se nam primerno, da je uporabnik avtomatično odgovoren za vse transakcije, ki se opravijo pred obvestilom o izgubi ali kraji.
We don't find it appropriate that the user will automatically be liable for all the transactions taking place before the notification of the loss or theft.
Podpiramo možnost povračila in preklica transakcije .
We are in favour of the possibility to refund and revoke a transaction .
Nekoliko je treba spremeniti le obdobje, v katerem lahko do tega pride.
Only the period in which this should happen, needs some modification.
Za kršitve tega načela bi bilo treba uveljaviti posebno kazen.
In case of a violation of this principle, a specific sanction should be imposed.
Spričo pomena mikro plačil za potrošnike pa se ne strinjamo z njihovo izključitvijo iz področja, za katerega veljajo členi o času izvršitve.
However, given their importance for the consumer, we do not agree to exclude micro payment from the scope of the articles concerning the execution time.
Za preprečevanje poskusov ponudnikov plačilnih storitev, da si povrnejo dodatne stroške reform na račun uporabnikov, predlagamo naslednje prilagoditve:
In order to avoid that the payment providers will try to recuperate the supplementary costs of the reforms on the users, we would propose the following adaptations:
- če transakcijo začne plačnik in transakcija vsebuje pretvorbo valut v valuto, ki ni valuta držav članic EU, se lahko strani izrecno dogovorita za rok, ki ni daljši od treh dni.
- if the transaction is initiated by the payer and includes a currency conversion towards a currency which is not a currency of the EU member states, the parties may agree explicitly on a period no longer than three days.
V tem pogledu bi moral biti predlog izhodišče.
In this respect, this proposal should be a minimum.
Odbor za notranji trg in varstvo potrošnikov poziva Odbor za ekonomske in monetarne zadeve kot pristojni odbor, da v svoje poročilo vključi naslednje predloge sprememb:
The Committee on the Internal Market and Consumer Protection calls on the Committee on Economic and Monetary Affairs, as the committee responsible, to incorporate the following amendments in its report:
(21a) V primeru nepooblaščene uporabe instrumentov za preverjanje se za veliko malomarnost med drugim šteje naslednje ravnanje: imetnik je navedel svojo osebno identifikacijsko številko ali katero koli drugo kodo v lahko prepoznavni obliki, zlasti na instrumentu za elektronski prenos sredstev ali na predmetu ali dokumentu, ki ga je hranil ali nosil skupaj z instrumentom, ali imetnik ni obvestil izdajatelja, da je bil instrument izgubljen ali ukraden, takoj ko je to ugotovil.
(21a) In the case of unauthorised use of verification instruments, the following behaviour should inter alia be considered as gross negligence: the fact that the holder noted his personal identification number or any other code in an easily recognisable form, and particularly on the electronic funds transfer instrument or on an object or document kept or carried by the holder with the instrument, as well as the fact that the holder did not notify the issuer that the instrument had been lost or stolen as soon as he became aware of that fact.
Za oceno malomarnosti uporabnika plačilnih storitev je treba upoštevati vse dejanske okoliščine.
To assess the payment service user’s negligence, account should be taken of all the actual circumstances.
Zadevna dokazila, ki jih predloži izdajatelj, in uporaba plačilnega instrumenta s kodo, ki jo pozna samo imetnik, niso zadosten dokaz o malomarnosti imetnika.
The production by the issuer of the relevant records and the use of the payment instrument with the code known only to the holder, should not be considered sufficient evidence of the latter’s negligence.
Klavzule in pogoji ali kombinacija klavzul in pogojev v pogodbah o ponudbi in uporabi instrumentov o elektronskem prenosu sredstev, ki bi povečali dokazno breme za potrošnika ali zmanjšali dokazno breme za izdajatelja, so nični in neveljavni.
Clauses and conditions, or the combination of clauses and conditions, in the contract for the provision and use of the electronic funds transfer instrument, whose effect would be to increase the burden of proof on the consumer or reduce the burden of proof on the issuer, should be considered null and void.
Predlog spremembe temelji na predlogu spremembe 63 pripravljavke mnenja in ga je treba obravnavati kot uvodno izjavo, ki pojasnjuje člen 46.
The amendment is based on amendment 63 of the draftswoman and should be taken as a recital explaining Article 46.
Ta direktiva se uporablja samo za poklicne dejavnosti, naštete v prilogi, ki vsebujejo izvrševanje plačilnih transakcij v imenu fizične ali pravne osebe, v nadaljnjem besedilu "plačilne storitve" , pri katerih se vsaj eden od ponudnikov plačilnih storitev nahaja v Skupnosti.
This Directive shall apply only to business activities, listed in the Annex, consisting in the execution of payment transactions on behalf of a natural or legal person, hereinafter “payment services”, where at least one of the payment service providers is located in the Community.
Ta direktiva se uporablja samo za plačilne storitve, kot so opredeljene v členu 4 , pri katerih se ponudniki plačilnih storitev nahajajo v Skupnosti.
This Directive shall apply only to payment services as defined in Article 4, where the payment service providers are located in the Community .
Vendar pa se za plačilne storitve, pri katerih znesek transakcije presega 50.000 EUR, ne uporabljata naslova III in IV.
However, for payment services where the amount of the transaction exceeds EUR 50 000, Titles III and IV shall not apply.
Vendar pa se za plačilne storitve, pri katerih znesek transakcije presega 50.000 EUR, ne uporabljata naslova III in IV , če se plačilne storitve izvršijo v imenu MSP .
However, for payment services where the amount of the transaction exceeds EUR 50 000, Titles III and IV shall not apply, in so far as the payment service is executed on behalf of a SME.
Omejitev 50.000 EUR se ne uporablja v primeru, če se plačilne storitve izvršijo v imenu potrošnikov.
The EUR 50 000 limit shall not apply in the case of payment services executed on behalf of consumers.
Zaradi notranje skladnosti je primerneje vse pojme opredeliti v členu 4.
For reasons of internal coherence, it's preferable to define all the concepts in article 4.
Nadalje je primerneje geografsko področje veljavnosti direktive omejiti na Skupnost in ne zajeti tudi tretjih držav.
Further on, it´s more appropriate to limit the geographical scope of the directive to the community instead of an extension to third countries
Če ni določeno drugače se ta direktiva uporablja za plačilne storitve v kateri koli valuti .
Save where otherwise provided, this Directive shall apply to payment services made in any currency .
Ta direktiva se uporablja za plačilne storitve v valutah držav članic .
This Directive shall apply to payment services made in Member States’ currencies.
ČLEN 3, TOČKA (I)
ARTICLE 3, POINT (I)
(i) storitve, ki se lahko uporabljajo za nakup blaga ali storitev samo v okviru omejene mreže odvisnih ponudnikov storitev in temeljijo na instrumentih, kakršni so potrdila in kartice, če taki instrumenti niso unovčljive ;
(i) services that can be used to acquire goods or services only within a limited network of affiliated service providers and are based on instruments like vouchers and cards in so far as such instruments are not redeemable;
(i) storitve, ki se lahko uporabljajo za nakup blaga ali storitev in temeljijo na instrumentih, kakršni so potrdila in kartice, če taki instrumenti niso unovčljivi ;
(i) services that can be used to acquire goods or services which are based on instruments like vouchers and cards in so far as such instruments are not redeemable;
Te določbe je treba pojasniti, da bi lahko razlikovali med potrdili, ki niso unovčljiva, kot na primer boni za prehrano, in mrežami poslovnežev na lokalni ravni.
It is desirable to clarify this provision so as to distinguish between, on the one hand, vouchers which are not redeemable, such as meal vouchers, and locally limited networks of business people.
Kartice in druge debetne instrumente je treba vključiti v področje uporabe direktive, saj morajo izpolnjevati enake pravne, tehnične ali varnostne zahteve kot druga plačilna sredstva.
Cards and other debit instruments should be included in the scope of the Directive, as such cards must meet the same legal, technical or security requirements as other means of payment.
ČLEN 3, TOČKA (J)
ARTICLE 3, POINT (J)
j) plačilne transakcije, izvršene z mobilnimi telefoni ali drugimi digitalnimi ali informacijskimi napravami, če so izpolnjeni vsi naslednji pogoji:
(j) payment transactions executed by means of a mobile telephone or any other digital or IT device, where all the following conditions are met:
i) ponudnik storitev, ki upravlja telekomunikacijski ali informacijski sistem ali mrežo, je tesno povezan z razvojem digitalnega blaga ali elektronskih komunikacijskih storitev, ki jih opravlja;
(i) the service provider operating the telecommunication or IT system or network is closely involved in the development of the digital goods or electronic communication services provided;
ii) blago in storitve se ne morejo dobaviti v odsotnosti ponudnika storitev;
(ii) the goods and services cannot be delivered in the absence of the service provider;
(iii) druge možnosti za plačilo ni.
(iii) there is no alternative option for remuneration
Da bi predvideli prihodnje plačilne sisteme in se izognili težavam pri določanju meje med storitvami, vključenimi v področje veljavnosti in tistimi, ki so iz njega izključene, je primerneje črtati to izjemo.
In order to anticipate on future payment systems, and to avoid difficulties in drawing the borderline between service included and services excluded from the scope, it's preferable to delete this exemption.
ČLEN 4, TOČKA 1 (I)
ARTICLE 4, POINT 1 (I)
(4) „plačnik“ pomeni fizično ali pravno osebo, ki ima pravico razpolaganja s sredstvi, in ki omogoči prenos teh sredstev prejemniku plačila ;
(4) "payer" means a natural or legal person who has the right of disposal of funds and who allows them to be transferred to a payee ;
(4) „plačnik“ pomeni fizično ali pravno osebo, ki kot imetnik računa dovoli prenos sredstev iz računa, ali če račun ne obstaja, fizično ali pravno osebo, ki naroči prenos sredstev;
(4) "payer" means a natural or legal person who as an account-holder permits the transfer of money from an account or, if no account exists, a natural or legal person who issues the instruction for a money transfer ;
Predlog spremembe je namenjen pojasnitvi, da „plačnik“ pomeni pogodbenega partnerja ponudnika storitev.
The amendment serves to clarify that 'payer' means the contracting partner of the service provider.
Predlagan pristop v povezavi s pravicami in obveznostmi plačnika, določenimi v naslovu III, ni smiseln, saj vedno predpostavlja pogodbo med plačnikom in ponudnikom storitev.
The proposed approach makes no sense in relation to the rights and obligations of the payer as regulated in Title III, since these always presuppose a contract between the payer and the service provider.
ČLEN 4, TOČKA 9
ARTICLE 4, POINT 9
(9) "razpoložljivost sredstev" pomeni, da lahko uporabnik plačilnih storitev uporabi sredstva na plačilnem računu brez zaračunavanja provizije;
(9) “availability of funds” means that the funds on a payment account may be used by the payment service user without fees being charged;
(11a) "delovni dan banke" je dan, ko sta ponudnik plačilnih storitev plačnika, ki je udeležen v plačilni transakciji, in ponudnik plačilnih storitev pri tem udeleženega prejemnika plačila odprta za poslovanje s strankami;
(11a)" ' banking day" means a day when the payment service provider of the payer involved in the payment transaction and the payment service provider of the payee involved in it are ordinarily open for business with customers;
Opredelitev "delovnega dne" je podana za pojasnitev.
The definition of 'banking day' is intended for purposes of clarification .
(19a) "plačilne storitve" so poslovne dejavnosti, naštete v Prilogi, ki zajemajo izvrševanje plačilnih transakcij v imenu fizične ali pravne osebe, pri katerih se ponudniki plačilnih storitev nahajajo v Skupnosti;
(19a) "payment services" means the business activities listed in the Annex consisting in the execution of payment transactions on behalf of a natural or legal person where the payment service providers are located in the Community;
(19b) "čas izvršitve" je čas od trenutka, ko ponudnik plačilne storitve sprejme plačilni nalog, do trenutka, ko je na podlagi plačilnega naloga znesek izplačan prejemniku plačila;
(19b) "execution time" means the point in time between the acceptance of a payment order by a payment service provider and the point in time when the amount to be paid pursuant to the payment order is made available to the payee;
(19c) "mikro plačila" so pogodbe v zvezi s plačili, ki ne presegajo 10 EUR.
(19c) "micro payments" means a contract concerning payments not exceeding EUR 10.
Glede na obsežne obveznosti in tveganja, ki jih mora obvladovati plačilna institucija, za varstvo potrošnikov ni primerno, da se fizičnim osebam dovoli ustanavljanje plačilnih institucij.
Given the broad obligations to fulfil and the risks to cover by a payment institution, it doesn't seem appropriate, for consumer protection reasons, to allow natural persons to establish a payment institution.
ČLEN 5, TOČKA (H)
ARTICLE 5, POINT (H)
(h) če je prosilec pravna oseba, identiteta fizičnih oseb, ki so njegovi zastopniki , njegovi večinski delničarji in nastopajo kot direktorji , ter dokazila, da imajo navedene osebe dovolj dober ugled ter ustrezno znanje in sposobnost opravljanja plačilnih storitev;
(h) where the applicant is a legal person, the identity of the natural persons who are its representatives , its majority shareholders and who act as directors as well as evidence that those persons are of good repute and have appropriate knowledge and ability to perform payment services;
(h) če je prosilec pravna oseba, identiteta direktorjev, oseb, ki so odgovorne za upravljanje plačilne institucije, in identiteta njenih večinskih delničarjev ter dokazila, da imajo navedene osebe dovolj dober ugled ter ustrezno znanje in sposobnost opravljanja plačilnih storitev;
(h) where the applicant is a legal person , the identity of the directors, persons responsible for the management of the payment institution and its majority shareholders as well as evidence that those persons are of good repute and have appropriate knowledge and ability to perform payment services;
Spremembe morajo skupaj s predlogi sprememb k členu 10 omogočiti oblikovanje enakih konkurenčnih pogojev in zagotoviti pravi nadzor nad plačilnimi institucijami.
10 should make it possible to create a level playing field and organise a real supervision on payment institution They are also justified for reasons of coherency with art.
ČLEN 5 A (novo), ODSTAVEK 1
ARTICLE 5 A (new), PARAGRAPH 1
Zahteve po začetnem kapitalu
Initial capital requirements
Plačilne institucije v skladu s členom 57(a) in (b) Direktive 2006/48/ES Evropskega parlamenta in Sveta z dne 14. junija 2006 o začetku opravljanja in opravljanju dejavnosti kreditnih institucij 1 razpolagajo s kapitalom na naslednji način:
Payment institutions shall hold capital, as defined in Article 57(a) and (b) of Directive 2006/48/EC of the European Parliament and of the Council of 14 June 2006 relating to the taking up and pursuit of the business of credit institutions 1 , as follows:
(a) plačilna institucija, ki izvaja le dejavnosti, omenjene v točki 7 Priloge, in te dejavnosti izvede v rokih, določenih v prvem stavku člena 60(1) ali hitreje, vedno razpolaga z najmanj 50.000 EUR kapitala;
(a) where the payment institution carries on only those activities mentioned in point 7 of the Annex and where these are carried out within the time limits laid down in the first sentence of Article 60(1) or mor e swiftly, its capital shall at no time be less than EUR 50 000;
(b) plačilna institucija, ki izvaja dejavnosti, navedene v točki (a) zgoraj in/ali:
(b) where the payment institution carries on the activity mentioned in point (a) above and/or:
(i) dejavnosti, navedene v točki 1 Priloge, ko te niso izvedene v roku, določenem v prvem stavku člena 60(1) in/ali
(i) the activities mentioned in point 1 of the Annex, but where these are not carried out within the time limits laid down in the first sentence of Article 60(1), and/or
(ii) katero koli izmed dejavnosti, navedenih v točkah 5 in/ali 8 in/ali 9 Priloge in/ali
(ii) any of the activities mentioned in points 5 and/or 8 and/or 9 of the Annex, and/or
(iii) ponuja katero od pomožnih storitev, navedenih v členu 10(1)(b) in (c),
(iii) where any of the ancillary services mentioned in Article 10(1)(b) and (c) are offered,
vedno razpolaga z najmanj 125.000 EUR kapitala;
its capital shall at no time be less than EUR 125 000;
(c) plačilna institucija, ki izvaja katero od dejavnosti iz točk (a) ali (b) zgoraj in/ali katero od dejavnosti v odstavkih 1 do 3 Priloge, vedno razpolaga z najmanj 730.000 EUR kapitala.
(c) where the payment institution carries on any of the activities mentioned in points (a) or (b) above and/or any of the activities in paragraphs 1 to 3 of the Annex, its capital shall at no time be less than EUR 730 000.
Višina začetnega kapitala plačilne institucije mora biti odvisna od vrste tveganj, ki jim je institucija izpostavljena.
It necessary to link the amount of initial capital held by a payment institution to the nature of the risks to which it is exposed.
Tveganja so podobna nekaterim tveganjem, s katerimi se soočajo investicijska podjetja, zato je predlagana višina kapitala, ki temelji na nedavno obnovljeni direktivi o kapitalski ustreznosti.
These risks are analogous to some of the risks faced by investment firms and therefore capital levels based on the recently reviewed Capital Adequacy Directive shall be proposed.
Skupaj z zaščito sredstev strank, ki je predvidena v odstavku 10(a) in (b), predstavlja predlog spremembe pravično ravnovesje med željo po večji konkurenci na plačilnem trgu in potrebo po zaščiti sredstev potrošnika.
In conjunction with the client funds protection envisaged in paragraph 10 a and b below these proposals represent a fair balance between the desire to introduce more competition to the payments market, and the need to protect consumers funds.
ČLEN 5 A (novo), ODSTAVEK 2
ARTICLE 5 A (new), PARAGRAPH 2
Ne glede na zgoraj določene minimalne kapitalske zahteve se morajo pristojni organi prepričati, da plačilne institucije vedno razpolagajo z zadostnim kapitalom za izvedbo vseh svojih poslovnih dejavnosti.
Notwithstanding the minimum capital requirements set out above, competent authorities shall be satisfied that the payment institution holds sufficient capital to support all its business activities at all times.
Vse plačilne institucije morajo biti ves čas finančno stabilne.
All payments institutions should be financially sound at all times.
ČLEN 5 A (novo), ODSTAVEK 3
ARTICLE 5 A (new), PARAGRAPH 3
Plačilne institucije nemudoma obvestijo pristojne organe, če njihov kapital pade pod zneske, ki se zahtevajo v odstavku 1.
Payment institutions shall inform the competent authorities without delay if their capital falls below the amounts required by paragraph 1.