natgillin/translations-raw huggingface dataset:
Da bi ohranili zaupanje vlagateljev in večjo stabilnost na finančnih trgih , bi morali povišati najnižjo stopnjo kritja na 50.000 EUR .
In order to maintain depositors' confidence and greater stability on the financial markets , the minimum coverage level should be increased at EUR 50 000.
Do 31. decembra 2009 se kritje celotnih vlog poveča na 100.000 EUR ali na enakovreden znesek, razen če Komisija v oceni učinka, ki jo do 30. aprila 2009 predloži Evropskemu parlamentu in Svetu, ugotovi, da takšno povečanje ni ustrezno ter finančno ni izvedljivo za vse države članice, ki morajo zavarovati potrošnike in stabilnost finančnega trga.
By 31 December 2009, coverage of the aggregate deposits of each depositor shall be increased to EUR 100 000, or equivalent, unless a Commission impact assessment, submitted to the European Parliament and the Council by 30 April 2009, concludes that such an increase is not appropriate and is not financially viable for all Member States in order to ensure consumer protection and financial market stability.
Zagotovi se ohranitev institucionalnega jamstva in možnost popolnega kritja nekaterih vlog, vključno z začasno povečanim stanjem sredstev na računu in mehanizmom menjalnega tečaja za valute izven euroobmočja.
The maintenance of institutional guarantee, the possibility of full coverage of certain deposits including temporarily increased account balances and exchange rates arrangements for non Euro-zone currencies shall be ensured .
(5) Obdobje izplačila, ki sedaj znaša tri mesece in ga je mogoče podaljšati na 9 mesecev, ne prispeva k ohranjanju zaupanja vlagateljev in ne zadovoljuje njihovih potreb.
(5) The payout period of three months currently provided for, which can be extended to 9 months, runs counter to the need to maintain depositors' confidence and does not meet their needs.
Zato bi bilo treba zamudo pri izplačilu zmanjšati na tri dni od dne, ko zadevni sistem zajamčenih vlog prejme ustrezne informacije.
Therefore, the payout delay should be reduced to a period of three days, and from the date on which the deposit-guarantee scheme concerned has received the relevant information.
Poleg tega je treba v primerih, ko odločitev pristojnih organov sproži izplačilo, rok za odločitev, ki je sedaj 21 dni, zmanjšati na 3 dni, da hitro izplačilo ne bo ovirano.
Furthermore, in the cases where payout is triggered by a determination of the competent authorities, the decision period of 21 days currently provided for should be reduced to 3 days in order not to impede rapid payout.
Zato bi bilo treba zamudo pri izplačilu zmanjšati na 14 dni od dne, ko zadevni sistem zajamčenih vlog prejme ustrezne informacije ; to obdobje vključuje analizo podatkov in izvršitev odločbe o izplačilu .
Therefore, the payout delay should be reduced to a period of 14 days , covering the analysis of data and the implementation of the payout decision, and from the date on which the deposit-guarantee scheme concerned has received the relevant information.
V primeru, da ni mogoče zagotoviti stalnosti storitev bančništva ter dostopa do denarnih sredstev, je treba vzpostaviti nujna izplačila za dodelitev potrebnih tekočih sredstev, ki zagotavljajo ustrezna plačila v višini vsaj 1000 EUR v treh dneh od vložitve prošnje.
In the event that the continuity of banking services and access to monies is not deliverable emergency payouts should be established for the allocation of necessary liquid assets, which ensures appropriate payments of up to at least EUR 1 000 within three days of application.
Prošnje za nujna izplačila in poizvedbe v zvezi s tem morajo biti obravnavane v regiji, kjer se banka nahaja ali ima podružnice.
The applications and enquiries for emergency payouts shall be able to be carried out in those region, in which the bank is located or had branches.
(5a) Lahko se šteje, da vloge niso na voljo, če zgodnji intervencijski ukrepi ali ukrepi prestrukturiranja niso bili uspešni.
(5a) Deposits may be considered unavailable once early intervention or reorganisation measures have been unsuccessful.
Vendar to pristojnih organov ne bi smelo odvrniti od nadaljnjih prizadevanj za prestrukturiranje v obdobju izplačila.
This should not prevent competent authorities from making further restructuring efforts during the pay-out period.
(6) Na podlagi možnosti diskrecijskih izjem določenih kategorij vlagateljev iz Priloge I Direktive 94/19/ES so nastale različne kategorije upravičencev, ki jih je treba opredeliti med postopkom izplačila.
(6) The possibility of discretionary exclusions of certain categories of depositors set out in Annex I to Directive 94/19/EC has led to a variety of categories of beneficiaries that have to be identified during the payout procedure.
Ta možnost se je izkazala kot težavna za izvrševanje dogovorov med sistemi matične države in države gostiteljice (dodajanje) in je povzročila zamude pri izplačilu, zato jo je treba odpraviti.
This has proven to be difficult for the enforcement of arrangements between home and host country schemes (topping up) and to delay payout and should therefore be discontinued.
Poleg tega večina sedanjih izjem zajema javna podjetja in finančne institucije.
In addition most of the exclusions currently provided for concern public entities and financial institutions.
Bolj pa naj bi bili zaščiteni vlagatelji, ki nimajo veliko strokovnega znanja na področju financ.
An increased protection should, however, benefit depositors who as a matter of principle do not dispose of a lot of financial expertise.
Zato bi morala zaščita ostati omejena na male vlagatelje, države članice pa bi morale imeti še naprej možnost, da razširijo zaščito na druge kategorije vlagateljev.
Therefore protection should be limited to retail depositors, whilst maintaining the option for Member States to extend that protection to other categories of depositors.
Države članice bi morale imeti še naprej možnost, da razširijo zaščito na druge kategorije vlagateljev.
The option for Member States to extend the protection to other categories of depositors should be maintained .
Potrebna prilagoditev spremenjenega pravnega besedila.
Necessary adjustment to the amended legal text.
(7) Države članice bi morale zagotoviti, da sistemi zajamčenih vlog razpolagajo z zadostnimi sredstvi za zadovoljevanje svojih potreb.
(7) Member States should ensure that deposit-guarantee schemes have adequate funds available to meet their needs.
Treba je omogočiti, da se v okviru sistema zajamčenih vlog lahko zberejo finančna sredstva za krepitev stalnosti bančnih storitev in dostopa do denarnih sredstev, prav tako bi moral sistem imeti vlogo upnika v običajnem vrstnem redu v primeru plačilne nesposobnosti.
The deposit-guarantee scheme should be empowered to raise finance for the purposes of underpinning the continuity of banking services and access to monies and should stand as a creditor in the normal sequence of insolvency.
(9) Zlasti je treba Komisijo pooblastiti za prilagajanje stopnje kritja.
(9) In particular, power should be conferred on the Commission to adjust the coverage level.
Ker je ta ukrep splošnega obsega in je namenjen spreminjanju nebistvenih določb Direktive 94/19/ES, ga je treba sprejeti v skladu z regulativnim postopkom s pregledom iz člena 5a Sklepa 1999/468/ES.
Since this measure is of general scope and is designed to amend a non-essential element of Directive 94/19/EC, it must be adopted in accordance with the regulatory procedure with scrutiny provided for in Article 5a of Decision 1999/468/EC.
(10) Ko v nujnih primerih, ko je ogroženo zaupanje vlagateljev v varnost finančnih trgov, ni mogoče upoštevati običajnih rokov za regulativni postopek s pregledom, bi bilo treba Komisijo pooblastiti, da uporabi nujni postopek iz člena 5a(6) Sklepa 1999/468/ES za sprejetje začasnega povišanja stopnje kritja.
(10) When, on the imperative grounds of urgency that occur if the confidence of depositors in the safety of the financial markets is at issue, the normal time-limits for the regulatory procedure with scrutiny cannot be complied with, the Commission should be able to apply the urgency procedure provided for in Article 5a(6) of Decision 1999/468/EC for the adoption of a temporary increase of the coverage level.
Direktiva 94/19/ES
Directive 94/19/EC
Člen 1 - točka 3 – točka ii
Article 1 – point 3 - point ii
(1a) Točka 3(ii) člena 1 se nadomesti z naslednjim:
(1a) Point (3)(ii) of Article 1 is replaced by the following:
"(ii) pravosodni organ je zaradi neposredno s finančnim položajem kreditne institucije povezanih razlogov sprejel odločitev, na temelju katere mirujejo zahtevki vlagateljev za povrnitev zapadlih in plačljivih vlog proti instituciji, če je bila ta odločitev sprejeta pred [...] ugotovitvijo v skladu s točko (i);".
"(ii) a judicial authority has made a ruling for reasons which are directly related to the credit institution's financial circumstances which has the effect of suspending depositors' ability to make claims for restoring due and payable deposits against it, should that occur before the [...] determination has been made in accordance with point (i);".
Člen 1 – točka 2 – podtočka a
Article 1 – point 2 – subpoint a
V primerih iz odstavkov 1 do 4 države članice zagotovijo, da se sistemi zajamčenih vlog med seboj usklajujejo .“
In the cases referred to in paragraphs 1 to 4, Member States shall ensure that Deposit-guarantee Schemes cooperate with each other .
V primerih iz odstavkov 1 do 4 morajo države članice v okviru svojih sistemov zajamčenih vlog vzpostaviti dogovor o ustreznih obveznostih sistemov zajamčenih vlog .
In the cases referred to in paragraphs 1 to 4, Member States and their deposit guarantee schemes shall enter into agreements concerning the deposit guarantee schemes' respective obligations.
Poleg tega Komisija do 31. decembra 2009 predlaga ukrepe glede postopkov, izmenjave vseh pomembnih informacij in vzajemnega delovanja vseh sodelujočih v primeru morebitne čezmejne krize. “
In addition, the Commission shall, by 31st December 2009, suggest measures relating to the procedures, the exchange of all relevant information and the interaction of all participants in the event of a possible cross-border crisis.
Komisija pregleda delovanje tega člena in po potrebi predlaga njegove spremembe.“
The Commission shall review the functioning of this Article and, if appropriate, propose amendments thereto.
Komisija vsaki dve leti ali kadar koli je to nujno pregleda delovanje tega člena in po potrebi predlaga njegove spremembe.“
The Commission shall review the functioning of this Article every two years or whenever urgency demands and, if appropriate, propose amendments thereto.
Člen 7 – odstavki 1, 2 in 3
Article 7 – paragraphs 1, 2 and 3
(a) Odstavki 1 , 2 in 3 se nadomestijo z naslednjim:
(a) Paragraphs 1 , 2 and 3 are replaced by the following:
Sistemi zajamčenih vlog predvidevajo v primeru nerazpoložljivosti vlog kritje celotnih vlog istega vlagatelja do vsaj 50 000 EUR.
Deposit-guarantee schemes shall stipulate that the aggregate deposits of each depositor must be covered up to at least EUR 50 000 in the event of deposits' being unavailable.
Najpozneje do 31. decembra 2009 se kritje poviša na vsaj 100 000 EUR.
By 31 December 2009 at the latest coverage shall be increased to at least EUR 100 000.
Do 31. decembra 2009 se kritje celotnih vlog poviša na 100.000 EUR ali na enakovreden znesek, razen če Komisija v oceni učinka, ki jo do 30. aprila 2009 predloži Evropskemu parlamentu in Svetu, ugotovi, da takšno povišanje ni ustrezno ter finančno ni izvedljivo za vse države članice, ki morajo zavarovati potrošnike in stabilnost finančnega trga .
By 31 December 2009 , coverage of the aggregate deposits of each depositor shall be increased to EUR 100 000, or equivalent, unless a Commission impact assessment, submitted to the European Parliament and the Council by 30 April 2009, concludes that such an increase is not appropriate and is not financially viable for all Member States in order to ensure consumer protection and financial market stability.
Zagotovi se ohranitev institucionalnega jamstva in možnost popolnega kritja nekaterih vlog, vključno z začasno povečanim stanjem sredstev na računu in mehanizmom menjalnega tečaja za valute izven euroobmočja.
The maintenance of institutional guarantee, the possibility of full coverage of certain deposits including temporarily increased account balances and exchange rates arrangements for non Euro-zone currencies shall be ensured.
Države članice lahko določijo, da so nekatere vloge iz Priloge I izvzete iz jamstva ali se jim odobri manjši obseg jamstva pod pogojem, da se plačilo vsem vlagateljem izvrši v roku, ki je določen v členu 10(1).
Member States may provide that certain deposits, listed in Annex I, be excluded from the guarantee or be granted a lower level of guarantee provided that the payment to all depositors is carried out within the deadline set out to in Article 10(1).
Ta direktiva zajema vlagatelje, ki so fizične osebe in ne vlagajo zaradi trgovinskih, poslovnih ali poklicnih namenov.
This Directive shall cover depositors who are natural persons acting for purposes other than their trade, business or profession.
Člen 1 – točka 3 – podtočka d
Article 1 – point 3 – subpoint d
Komisija lahko prilagodi znesek iz odstavka 1 ob upoštevanju predvsem razvoja bančnega sektorja ter gospodarskega in monetarnega položaja Skupnosti.
The Commission may adjust the amount referred to in paragraph 1, taking account in particular of developments in the banking sector and the economic and monetary situation in the Community.
Navedeni ukrep za spremembo nebistvenih določb te direktive se sprejme v skladu z regulativnim postopkom s pregledom iz člena 7a(2).
That measure, designed to amend non-essential elements of this Directive, shall be adopted in accordance with the regulatory procedure with scrutiny referred to in Article 7a(2).
Nadaljnje spremembe se opravijo z običajnim postopkom.
Further changes should be carried out in normal procedure.
Letni pregled Komisije bo zagotovil, da je mogoče ukrep sprejeti pravočasno.
The annual review by the Commission will ensure that action can be taken in time.
Komisija se lahko za obdobje, ki ne presega 18 mesecev, odloči, da bo začasno povečala znesek iz odstavka 1.
The Commission may, for a period not exceeding 18 months, decide upon a temporary increase of the amount referred to in paragraph 1.
Navedeni ukrep za spremembo nebistvenih določb te direktive se sprejme v skladu z regulativnim postopkom s pregledom iz člena 7a(3).
That measure, designed to amend non-essential elements of this Directive, shall be adopted in accordance with the regulatory procedure with scrutiny referred to in Article 7a(3).
Komisiji pomaga Evropski odbor za bančništvo, ustanovljen s Sklepom Komisije 2004/10/ES*.
The Commission shall be assisted by the European Banking Committee established by Commission Decision 2004/10/EC*.
* UL L 3, 7.1.2004, str.
* OJ L 3, 7.1.2004, p.
Potrebna prilagoditev spremenjenega zakonskega besedila.
Necessary adjustment to the amended legal text.
Pri sklicevanju na ta odstavek se uporabljata člen 5a(1) do (4) in člen 7 Sklepa 1999/468/ES**, ob upoštevanju določb člena 8 Sklepa.“
Where reference is made to this paragraph, Article 5a(1) to (4), and Article 7 of Decision 1999/468/EC** shall apply, having regard to the provisions of Article 8 thereof.
** UL L 184, 17.7.1999, str.
** OJ L 184, 17.7.1999, p.
Člen 9 – odstavek 1 – pododstavek 1
Article 9 – paragraph 1 – subparagraph 1
(4a) V členu 9(1) se prvi pododstavek nadomesti z naslednjim:
(4a) In Article 9 (1), the first subparagraph is replaced by the following :
Države članice zagotovijo, da kreditne institucije svojim dejanskim in možnim vlagateljem posredujejo potrebne informacije za ugotovitev, v kateri sistem zajamčenih vlog znotraj Skupnosti je včlanjena kreditna institucija in njene podružnice, ali za seznanitev s kakršnimi koli drugačnimi ukrepi na podlagi drugega pododstavka člena 3(1) ali člena 3(4).
Member States shall ensure that credit institutions make available to actual and intending depositors the information necessary for the identification of the deposit-guarantee scheme of which the institution and its branches are members within the Community or any alternative arrangement provided for in Article 3(1), second subparagraph, or Article 3 (4).
Vlagatelje seznanijo z določili sistema zajamčenih vlog ali s kakršnimi koli drugačnimi preventivnimi ukrepi, vključno z višino in obsegom kritja, ki ga ponuja sistem zajamčenih vlog.
The depositors shall be informed of the provisions of the deposit-guarantee scheme or any alternative arrangement applicable, including the amount and scope of the cover offered by the guarantee scheme.
Ko vloga ni zajamčena v okviru sistema zajamčenih vlog v skladu s členom 7, kreditna institucija o tem obvesti svoje vlagatelje.
When a deposit is not guaranteed by a deposit-guarantee scheme in accordance with Article 7, the credit institution shall inform its depositors accordingly.
Vsi podatki se dajo na razpolago na zlahka razumljiv način. "
All information shall be made available in a readily comprehensible manner. "
Člen 1 – točka 5 – podtočka a
Article 1 – point 5 – subpoint a
Države članice zagotovijo, da so sistemom zajamčenih vlog, ko pristojni organi sprejmejo odločitev iz točke 3(i) člena 1 ali pravosodni organi odločitev iz točke 3(ii) navedenega člena, na voljo natančni podatki o vlagateljih in vlogah, ki so potrebni za preverjanje zahtevkov.
Member States shall ensure that accurate data on depositors and deposits, which are necessary for the verification of claims, are made available to the deposit-guarantee scheme when the competent authorities make the determination referred to in point 3(i) of Article 1or the judicial authority makes the ruling referred to in point 3(ii) of that Article.
Predlogi sprememb omogočajo sorazmernejši in bolj praktičen pristop k zagotavljanju podatkov o vlagateljih od trenutka, ko se za institucijo ugotovi, da ne izpolnjuje obveznosti.
JustificationThe amendments facilitate a more proportionate and practical approach to the provision of depositor data once a credit institution has been declared in default.
Obveznost, da se podatki zagotovijo istočasno z ugotovitvijo o neizpolnjevanju obveznosti, bi zahtevala prenos podatkov v realnem času, kar bi se izkazalo za zelo obremenjujoče.
An obligation to submit data simultaneous to a determination of default would require real time data transfer which would prove significantly burdensome.
Ti predlogi bi morali zagotoviti večjo točnost prenesenih podatkov in visoko stopnjo pravne varnosti.
These proposals should ensure greater accuracy of the data supplied and a higher level of legal certainty.
Sistemi zajamčenih vlog morajo biti sposobni plačati vse pravilno preverjene zahtevke vlagateljev v zvezi z nerazpoložljivimi vlogami v treh dneh od datuma, ko so jim bili dani na voljo podatki iz prvega pododstavka.“
Deposit-guarantee schemes shall be in a position to pay duly verified claims by depositors in respect of unavailable deposits within three days of the date on which the data referred to in the first subparagraph have been made available to them.
V primeru, da stalnosti storitev bančništva ter dostopa do denarnih sredstev ni mogoče zagotoviti, morajo sistemi zajamčenih vlog biti sposobni plačati vse pravilno preverjene zahtevke vlagateljev v zvezi z nerazpoložljivimi vlogami v 14 dneh od datuma, ko so jim bili dani na voljo podatki iz prvega pododstavka.
In the event that the continuity of banking services and access to monies is not deliverable, deposit-guarantee schemes shall be in a position to pay duly verified claims by depositors in respect of unavailable deposits within 14 days of the date on which the data referred to in the first subparagraph have been made available to them.
Dve leti po začetku veljavnosti direktive Komisija oceni, ali se lahko predlaga dodatno zmanjšanje na 10 dni brez omejevanja obsega kritja. “
Two years after the coming into force of the Directive, the Commission shall assess whether a further reduction to 10 days, without limitation of the scope of coverage, can be proposed.
Člen 10 – odstavek 1 – pododstavek 2 a (novo)
Article 10 – paragraph 1 – subparagraph 2 a (new)
V primeru, da ni mogoče zagotoviti stalnosti bančnih storitev in dostopa do denarja, države članice v okviru sistemov zajamčenih vlog sklenejo dogovor, da se na prošnjo zadevnega vlagatelja najpozneje v treh dneh po vložitvi prošnje zagotovijo nujna izplačila ustreznih zneskov v višini vsaj 1000 EUR.
In the event that the continuity of banking services and access to monies is not deliverable, Member States in cooperation with deposit-guarantee schemes shall make arrangements for ensuring emergency payouts of appropriate amounts upon application of the affected depositor of up to at least EUR 1 000 within three days or less after the application.
Komisija najpozneje do 31. decembra 2009 Evropskemu parlamentu in Svetu predloži poročilo o uskladitvi mehanizmov za financiranje sistemov zajamčenih vlog in morebitni uvedbi sistema zajamčenih vlog Skupnosti , skupaj z ustreznimi predlogi .
By 31 December 2009 at the latest , the Commission shall submit to the European Parliament and to the Council a report on a harmonisation of the funding mechanisms of deposit-guarantee schemes and the possible introduction of a Community deposit-guarantee scheme, together with any appropriate proposals .
Komisija do 31. decembra 2009 Evropskemu parlamentu in Svetu predloži poročilo o :
The Commission shall submit to the European Parliament and to the Council by 31 st December 2009, a report on :
– uskladitvi mehanizmov za financiranje sistemov zajamčenih vlog , kar zadeva zlasti učinke takšne uskladitve v primeru čezmejne krize ob upoštevanju razpoložljivosti sredstev za izplačevanje nadomestil za vloge, poštene konkurence ter stroškov omenjene uskladitve ;
- the harmonisation of the funding mechanisms of deposit-guarantee schemes addressing, in particular, the effects of such harmonisation in the event of a cross-border crisis, in regard to the availability of the compensation payouts of the deposit and in regard to fair competition, and the costs of such harmonisation;
– standardih za izboljšanje zgodnjega opozarjanja o tveganjih;
- standards for better early-risk warning;
– možnih modelih za uvedbo prispevkov na podlagi tveganja;
- possible models for introducing risk-based contributions;
– koristih zaradi morebitne uvedbe sistema zajamčenih vlog Skupnosti .
- the benefits of a possible introduction of a community deposit guarantee scheme .
To vključuje tudi vprašanje o učinku različnih zakonodaj na postopek poravnave, pri čemer se kompenzirajo sredstva in dolgovi vlagatelja, ter vprašanje o učinkovitosti sistema in možnih izkrivljanjih ob upoštevanju čezmejnih postopkov likvidacije.
This shall cover the impact of diverging legislations as regards set-off, where a depositor’s credit is balanced against its debts, on the efficiency of the system and possible distortions, taking into account cross-border winding-up.
– posebnih potrebah malih in srednjih podjetij ter lokalnih oblasti, kar zadeva stopnjo kritja zajamčenih vlog.
- the specific needs of SMEs and local authorities as regards deposit guarantee coverage levels.
Komisija po potrebi predloži ustrezne predloge za spremembo te direktive."
If necessary, the Commission shall submit appropriate proposals to amend this Directive."
Člen 1 – točka 7 – podtočka a
Article 1 – point 7 – subpoint a
Priloga I – točke od 1 do 9
Annex I – points 1 to 9
(a) točke 1 do 9 se črtajo;
(a) points 1 to 9 are deleted;
Črtanje spremembe priloge je v skladu z ohranjanjem prvotnega področja delovanja direktive.
The deletion of the modification of the annex is in line with maintaining the Directive’s original scope.
Člen 1 – točka 7 – podtočka b
Article 1 – point 7 – subpoint b
Priloga I – točka 11
Annex I – point 11
(b) točka 11 se črta;
(b) point 11 is deleted;
Člen 1 – točka 7 – podtočka b a
Article 1 – point 7 – subpoint b a
Priloga I – točka 13 – alinea 2
Annex I – point 13 – indent 2
(ca) V točki 13 se druga alinea nadomesti z:
(ca) In point 13, the second indent is replaced by the following:
Ime evropske valute je "euro".
The name of the European currency is “euro”.
Člen 1 – točka 7 – podtočka c
Article 1 – point 7 – subpoint c