natgillin/translations-raw huggingface dataset:
Uporaba transakcijskih računov kot strateškega orodja za vzpostavitev odnosa z imetniki teh računov s strani bank na podlagi številnih drugih storitev pogosto ne spodbuja mobilnosti.
The use of current accounts by banks as a strategic tool for building a relationship with the account-holder, based on numerous other services, often proves to be a practice which is not conducive to mobility.
Če so na tekoči račun vezane še številne druge storitve, ga je mogoče le teoretično zapreti takoj oziroma v roku nekaj dni, saj je ta postopek v praksi včasih zapleten in zelo dolgotrajen.
When many other services are linked to a current account, only in theory can such an account be closed immediately or within a few days, since in actual fact it involves a procedure that is sometimes complex and very lengthy.
V nekaterih državah članicah EU banke ob zaprtju transakcijskega računa zahtevajo ukinitev trajnikov za plačilo položnic gospodinjstva ter vrnitev bančnih in kreditnih kartic.
In some EU countries, when a client closes a current account, banks require that direct debit payments for utility bills be cancelled and ATM cards and credit cards returned.
To lahko imetnikom računa povzroča nemalo težav in jih tako odvrača od tega, da bi zamenjali banko.
This can cause many difficulties for account-holders, discouraging them from changing bank.
Zato bi bilo v pomoč, če bi se za zamenjavo banke predpisalo vsaj prehodno obdobje, v katerem potrošniki ne bi imeli dvojnih stroškov ali ostali brez kakršnih koli bančnih storitev, in sicer dokler je to potrebno za izvedbo zamenjave računa.
It would therefore be helpful, when switching banks, if provision could at least be made for a transitional phase which did not involve any duplication of costs, or periods in which an account-holder was left without a banking service, for as long a period as necessary to complete the transfer.
Zato moramo zagotoviti, da bodo odpravljeni stroški (ekonomski, časovni in administrativni) prenosa transakcijskega računa z ene banke na drugo ali pa vsaj zmanjšani na minimalni znesek z odstranitvijo vseh nepotrebnih pogodbenih ali dejanskih povezav med transakcijskimi računi in drugimi storitvami, kot so posojila, varčevalni računi, vrednostni papirji in zavarovalne police.
We must therefore ensure that the costs (economic, temporal and administrative) of switching current accounts from one bank to another are eliminated, or at least reduced to minimum levels, by removing all unnecessary contractual or de facto ties between current accounts and other services, such as loans, savings accounts, securities and insurance policies.
Skratka, oblikovati je treba mehanizme, na podlagi katerih bodo transakcijski računi postali prenosljivi.
In other words, we need to develop mechanisms which make current accounts portable.
1(b) – Obveščanje potrošnikov
1(b) - Information for consumers
Poročevalec meni, da je treba za izboljšanje učinkovitosti sektorja maloprodajnih bančnih storitev okrepiti zmožnosti potrošnikov, da bi sprejemali ustrezne odločitve skladno z njihovim finančnim položajem.
To improve the efficiency of the retail banking services industry, your rapporteur is convinced of the need to increase consumers’ ability to take decisions that are appropriate to their financial circumstances.
Zato je treba sprejeti različne ukrepe, da se:
This calls for action on various levels:
– pravočasno zagotovi jasne in ustrezne informacije,
– a timely supply of clear and adequate information;
– nudi kakovostno svetovanje
– high-quality advice;
in predvsem
and, above all,
– zagotavlja enakopravne konkurenčne pogoje za podobne produkte.
– equal conditions of competition between products with similar characteristics.
Če so potrošniki obveščeni, potem lahko lažje izberejo najboljšo ponudbo, ki bo ustrezala njihovim potrebam, neodvisno od ponudnika finančnih storitev.
If consumers are informed, they are in a better position to choose the best bargains for their requirements, independently of the supplier of financial services.
Potrošniki ne bodo motivirani za iskanje informacij, če ne bodo našli zadovoljivih informacij in bodo stroški iskanja tako visoki, da bodo presegli pričakovano korist iskanih informacij.
If the information to the consumer is not satisfactory and the costs of searching for information so high as to exceed the expected benefits of that information, consumers will not be encouraged to do any research.
Študije, ki so jih opravili Komisija in številni nacionalni nadzorni organi, so pokazale, da informativni listi pogosto ne navajajo pogojev v zvezi z bančnimi nakazili, uporabo bančnih avtomatov, stroški dviga gotovine na bančnih avtomatih, ki so v lasti drugih bank, itd.
From the studies carried out by the Commission and by a number of national supervisory authorities, it has emerged that many information sheets do not set out the conditions governing bank transfers, ATM use, charges for withdrawing cash from banks other than one’s own, etc.
Ne obstaja dokument, v katerem bi bile navedene običajne stroškovne postavke za storitve, ki se navadno obračunavajo pri vodenju transakcijskega računa.
There is therefore no comprehensive document setting out the regular items of expenditure for services typically used in the handling of a current account.
Zato morajo imetniki transakcijskega računa vsako leto prejeti zgoščene informacije o dejanskih stroških vodenja njihovega računa in o spremembi teh stroškov v primerjavi s prejšnjim letom.
That is why concise information needs to be given on an annual basis to current account-holders on the actual expenditure they have incurred in running the account and how it has varied since the previous year.
To bi lahko potekalo na standardiziran način na evropski ravni, da bi se omogočilo učinkovito primerjavo ekonomskih pogojev, ki jih nudijo posamezne banke v EU, na podlagi česar bi lahko potrošniki lažje izbirali.
This could possibly be done in a standardised way at European level, so that the economic conditions applied by banks are effectively comparable throughout the EU, with a consequent benefit for consumers in terms of choice.
Zaželen je tudi razvoj virov informacij, resnični iskalniki, ki bi bili neodvisni od bančnega sistema in bi olajšali primerjavo stroškov storitev posameznik bank v Evropi.
It would also be desirable to develop sources of information – genuine search engines – that are independent of the banking system and which would make it easier to compare the costs of services offered by various banks in Europe.
2 – Plačilni sistemi
2 - Payment systems
Preiskava sektorja Komisije je opozorila na številne resne pomisleke glede konkurence na evropskem trgu plačilnih kartic.
The Commission’s sector inquiry has pinpointed a number of serious competition problems on the European payment cards market.
Poročevalec meni, da bodo mnoge tovrstne težave odpravljene z uvedbo enotnega evropskega plačilnega območja (SEPA) in z uporabo direktive o plačilnih storitvah.
Your rapporteur is of the opinion that many of the difficulties identified by the inquiry will be remedied by the introduction of the SEPA (Single European Payment Area) and the application of the directive on payment services.
To je nadvse pomemben sektor.
This is a considerably important sector.
Samo leta 2005 je celotna vrednost nakupov v EU s plačilnimi karticami znašala več kot 1.350 milijard EUR.
In 2005 alone, the total value of purchases made in the EU by payment card was over EUR 1 350 billion.
Za omrežja za plačevanje s plačilnimi karticami območje SEPA ponuja možnost, da se odstranijo mnoge pomanjkljivosti, na katere je v preiskavi opozorila Komisija, kot so stroški bančnih nakazil ali čas za prenos denarnih nakazil.
With regard to the card payment networks, SEPA offers the potential to eliminate many of the inefficiencies highlighted by the inquiry, such as the costs of bank transfers or the time-frame for transferring money.
Uvedba SEPA za plačilne kartice bi morala potrošnikom zagotoviti večjo izbiro med ponudniki storitev in s tem okrepiti konkurenco na tem močno koncentriranem trgu v Evropi.
For payment cards, SEPA should offer consumers a broader choice between service providers, thereby strengthening competition in this highly concentrated market in Europe.
2(a) – Večstranske medfranšizne provizije
2(a) - Multilateral Interchange Fees
Večstranske medfranšizne provizije so povsem druga tema.
Multilateral Interchange Fees (MIFs) are another matter altogether.
Vaš poročevalec upa, da bo Komisija izdala neke vrste smernice, ki bi jih lahko trg sprejel ob oblikovanju takih sporazumov, tako da bodo lahko veljali za neomejevalne.
Your rapporteur hopes the Commission will issue some sort of guidelines which the market can adopt when drawing up such agreements, so that they can be deemed to be non-restrictive.
Ko bo ta metodologija izračuna določena, jo bo treba enotno uporabljati za vse plačilne sheme (domače, vseevropske ali mednarodne).
Once this calculation methodology has been defined, it should be applied uniformly to all payment circuits, be they domestic, pan-European or international.
Podobna rešitev kot enakovreden instrument bi bila določitev posebne večstranske medfranšizne provizije za vsako shemo glede na njeno učinkovitost.
A similar solution, as an equal instrument, would be for each circuit to have its own MIF, the level of which would be determined by the efficiency of the circuit.
S tem bi ustvarili konkurenco med posameznimi shemami in zagotovili uspešnost najučinkovitejših shem.
This would create competition between the circuits themselves and would pave the way for the success of the most efficient circuit.
3 – Evidence posojil
3 - Credit registers
Končno se poročevalec v celoti strinja s pomisleki Komisije v zvezi z dostopom do evidenc posojil v primerih, ko vodenje teh posojil ni skladno s pravili konkurence.
Lastly, your rapporteur fully shares the Commission’s concerns over access to credit registers in cases in which the management of those registers runs counter to the competition rules.
Načelo nediskriminatornega vzajemnega dostopa do evidenc posojil je načelo, ki ga je treba spoštovati v vsej Evropi.
The principle of non-discriminatory mutual access to credit registers is a principle which must be respected throughout Europe.
o izvajanju evropske varnostne strategije in EVOP
on the implementation of the European Security Strategy and ESDP
MANJŠINSKO MNENJE........................................................................................................18
MINORITY OPINION.............................................................................................................18
– ob upoštevanju evropske varnostne strategije, ki jo je sprejel Evropski svet 12. decembra 2003,
– having regard to the European Security Strategy (ESS) adopted by the European Council on 12 December 2003,
– ob upoštevanju lizbonske pogodbe, ki je bila podpisana v Lizboni 13. decembra 2007,
– having regard to the Treaty of Lisbon, signed in Lisbon on 13 December 2007,
– ob upoštevanju sklepov Evropskega sveta z dne 14. decembra 2007,
– having regard to the Conclusions of the European Council on 14 December 2007,
– ob upoštevanju poročil predsedstva Sveta EU o evropski varnostni in obrambni politiki (EVOP) z 18. junija in 11. decembra 2007,
– having regard to the Reports on the European Security and Defence Policy (ESDP) by the EU Council Presidency of 18 June and 11 December 2007,
– ob upoštevanju skupnega srečanja obrambnih ministrov in ministrov za razvoj EU 19. in 20. novembra 2007,
– having regard to the joint meeting of EU Defence and Development Ministers on 19-20 November 2007,
– ob upoštevanju sklepov srečanja Sveta EU 19. in 20. novembra 2007 o varnosti in razvoju ter o EVOP,
– having regard to the Conclusions on Security and Development and the Conclusions on ESDP of the EU Council meeting on 19-20 November 2007,
– ob upoštevanju svoje resolucije z dne 14. aprila 2005 o evropski varnostni strategiji
– having regard to its resolution of 14 April 2005 on the ESS
– ob upoštevanju svoje resolucije z dne 16. novembra 2006 o izvajanju evropske varnostne strategije v okviru EVOP
– having regard to its resolution of 16 November 2006 on the implementation of the ESS in the context of the ESDP
– ob upoštevanju skupne strategije EU-Afrika, sprejete v Lizboni 9. decembra 2007, in ob upoštevanju, da je bil 1. marca 2008 general Pierre-Michel Joana imenovan za posebnega svetovalca za afriške zmogljivosti za vzdrževanje miru,
– having regard to the EU-Africa joint strategy adopted in Lisbon on 9 December 2007 and the appointment of General Pierre-Michel Joana as Special Advisor for African peacekeeping capabilities as from 1 March 2008,
– ob upoštevanju resolucije z dne 27. septembra 2007 o operaciji EVOP v Čadu in Srednjeafriški republiki
– having regard to its resolution of 27 September 2007 on the ESDP operation in Chad and the Central African Republic (CAR)
Sprejeta besedila, P6_TA(2007)0419 . ,
Texts adopted, P6_TA(2007)0419 . ,
– ob upoštevanju poročila Odbora za zunanje zadeve ( A6-0186/2008 ),
– having regard to the report of the Committee on Foreign Affairs ( A6-0186/2008 ),
A. ker je Svet leta 2007 in v začetku leta 2008 sprejel pomembne operativne odločitve na področju EVOP in glede izvajanja evropske varnostne strategije, vključno z
A. whereas in 2007 and early 2008 the Council has taken important operational decisions in the field of ESDP and on the implementation of the ESS, including:
a. začetkom policijske misije EVOP v Afganistanu (EUPOL Afganistan);
a. the launching of an ESDP police mission in Afghanistan (EUPOL Afghanistan);
b. odločitvijo o začetku vojaške operacije EVOP v Čadu/Srednjeafriški republiki;
b. the decision to launch an ESDP military operation in Chad/CAR;
c. preoblikovanjem in zmanjšanjem števila enot EUFOR Althea v Bosni in Hercegovini;
c. the reconfiguration and reduction of EUFOR Althea troops in Bosnia;
d. pripravami za civilno misijo EVOP na Kosovu;
d. the preparation for a civilian ESDP mission in Kosovo;
e. pripravami na misijo za reformo varnostnega sektorja v Gvineji Bissau,
e. the preparation for a security sector reform mission in Guinea-Bissau,
B. ker je bil leta 2007 in v začetku leta 2008 dosežen nadaljnji razvoj na področju zmogljivosti EVOP in izvajanja evropske varnostne strategije, vključno s
B. whereas in 2007 and early 2008 further developments in the field of ESDP capabilities and the implementation of the ESS have been achieved, including:
a. sprejetjem novega civilnega globalnega cilja 2010;
a. the adoption of a new Civilian Headline Goal 2010;
b. oblikovanjem civilnih zmogljivosti za načrtovanje in izvajanje operacij (CPCC) v okviru sekretariata Sveta;
b. the establishment of a Civilian Planning and Conduct Capability (CPCC) within the Council secretariat;
c. doseganjem operativne zmogljivosti operativnega centra EU;
c. the reaching of operational capability by the EU Operations Centre;
d. doseganjem popolne operativne zmogljivosti, da se z uporabo bojnih skupin hitro in sočasno začneta izvajati dve vojaški operaciji EVOP,
d. the reaching of full operational capability to undertake rapidly and simultaneously two ESDP military operations using the Battle Groups,
C. ker je v letu 2007 in v začetku leta 2008 prišlo tudi do nenehnih primanjkljajev na področju EVOP in pri izvajanju evropske varnostne strategije, vključno s
C. whereas 2007 and early 2008 have also witnessed continued shortfalls in the fields of ESDP and the implementation of the ESS, including:
a. pomanjkanjem civilnih mirovnih enot EU, ki jih Evropski parlament zahteva od leta 2000, ter zmogljivosti za civilno zaščito in humanitarno pomoč, ki so omenjene v številnih dokumentih Komisije in Sveta od katastrofe zaradi cunamija leta 2004;
a. the lack of an EU Civil Peace Corps, requested by the European Parliament since 2000, and of civil protection and humanitarian relief capabilities, referred to in a number of Commission and Council documents since the 2004 tsunami catastrophe;
b. zamudami pri dobavi in naraščajočimi stroški, povezanimi z nujno potrebnimi zmogljivostmi za zračni prevoz na dolge razdalje z vojaškim transportnim letalom Airbus A400M;
b. delivery delays and rising costs concerning the much needed long-range airlift capacity in the form of the Airbus A400M military transport aircraft;
c. neravnotežjem med prispevki držav članic, kar zadeva imenovanje osebja v misije EVOP, s čimer se omejujejo zmogljivosti EU za krizno upravljanje;
c. an imbalance in the contributions from Member States as regards the staffing of ESDP missions, thus limiting EU crisis management capabilities;
d. težavami pri pritegnitvi zadostnega števila policistov za misijo v Afganistanu zaradi varnostnih zadržkov in pomanjkanja možnosti poklicnega napredovanja po njihovi vrnitvi;
d. problems in recruiting sufficient police officers for the mission in Afghanistan due to security concerns and a lack of individual career prospects on their return;
e. zamudami pri začetku misije EVOP v Čadu/Srednjeafriški republiki, zaradi neuspešnih konferenc za oblikovanje sil, zlasti kar zadeva pomanjkanje helikopterjev;
e. delays in the launching of the ESDP Mission in Chad/CAR due to unsuccessful force generation conferences, in particular as regards the lack of helicopters;
f. dosedanjo neuspešnostjo, da bi podpisali tehnične sporazume, ki sta jih EU in Nato pripravila, da bi zagotovila usklajevanje na Kosovu med KFOR in morebitno prihodnjo misijo EVOP ter v Afganistanu med EUPOL in ISAF, zaradi nasprotovanja Turčije,
f. the failure as yet to sign the technical agreements drafted between the EU and NATO with a view to ensuring coordination in Kosovo between KFOR and the possible future ESDP mission, and in Afghanistan between EUPOL and ISAF, due to opposition by Turkey,
D. ker bo lizbonska pogodba uvedla večje novosti na področju EVOP,
D. whereas the Treaty of Lisbon will introduce major innovations in the field of ESDP,
E. ker si je treba nenehno prizadevati za preprečevanje podvajanja in za povečanje interoperabilnosti znotraj EU in ker sta najučinkovitejša načina za to delitev in združevanje obrambnih sredstev, da se kar najbolj poveča obrambna zmogljivost Evrope,
E. whereas continuous efforts need to be made to avoid duplication and to increase interoperability within the EU, and whereas the most cost-effective way of doing this is to share and pool defence assets in order to maximise Europe's defence capability,
3. prosi zadevne države članice, naj preučijo možnost in možne učinke združevanja obstoječih večnacionalnih sil, kot so Eurocorps, Eurofor, Euromarfor, evropske orožniške sile, špansko-italijanske amfibijske sile, evropska zračna skupina, evropska zračna usklajevalna celica v Eindhovnu, večnacionalni usklajevalni center za ladijske prevoze v Atenah ter vse sile in strukture, pomembne za operacije EVOP, v stalno strukturirano sodelovanje, kot je predvideno v lizbonski pogodbi;
Asks the Member States concerned to investigate the possibilities and possible impact of bringing under permanent structured cooperation, as envisaged in the Lisbon Treaty, existing multinational forces such as Eurocorps, Eurofor, Euromarfor, the European Gendarmerie Force, the Spanish-Italian amphibious force, the European Air Group, the European Air Coordination cell in Eindhoven, the Athens Multinational Sealift Coordination Centre and all relevant forces and structures for ESDP operations;
6. poziva visokega predstavnika, naj se v beli knjigi ukvarja tudi z vprašanjem „opozoril“; čeprav je to vprašanje s področja nacionalne suverenosti vsake države članice, meni, da jih je treba uskladiti, da se zagotovi varnost različnih sil držav članic, ki delujejo na terenu;
Also urges the High Representative to tackle the issue of the ‘caveats’ in the White Paper; although this is a matter for the national sovereignty of each Member State, considers that they should be harmonised to protect the safety of the various Member States’ forces deployed on the ground;
Civilno krizno upravljanje in civilna zaščita
Civilian crisis management and civil protection
11. poziva Svet, naj na podlagi nezadovoljivega načrtovanja in napotitve EUPOL v Afganistan opravi takojšen pregled vidikov odločanja, financiranja in napotitve civilnih misij EVOP ter naj poda oprijemljive predloge, zasnovane tako, da se prepreči morebitna ponovitev takšnih razmer v prihodnosti;
Requests the Council, against the background of unsatisfactory planning and deployment of EUPOL Afghanistan, to carry out an immediate review of the decision-making, financing and deployment aspects of civilian ESDP missions and to put forward concrete proposals designed to avoid any repetition of this situation in the future;
13. pozivata Komisijo in Svet, naj ko je razmejitev med pristojnostmi dveh institucij zabrisana, povečata medsebojno sodelovanje na področju civilnih misij EVOP in mejnih misij EU; meni, da bi morala Evropska služba za zunanjepolitično delovanje iz lizbonske pogodbe to olajšati; mani pa, da bi kljub veljavnosti lizbonske pogodbe lahko vseeno prišlo do sporov o pristojnosti, ki bi zahtevali odločitev visokega predstavnika;
Calls on the Commission and the Council to increase their cooperation in the area of ESDP civilian missions and EU border missions where the division of competences between the two institutions is blurred; is of the view that the European External Action Service envisaged in the Lisbon Treaty should facilitate this task; believes, however, that conflicts in respect of competences could still occur even under the Lisbon Treaty, thus necessitating decisions by the High Representative;
16. opaža, da se ekipa za civilno odzivanje, ki je dragocen instrument, ne uporablja, in obžaluje, da so bili strokovnjaki iz te ekipe napoteni skoraj izključno posamično in ne v obliki ekipe, kot je bilo predvideno in za kar so bili usposobljeni;
Notes the lack of use of the valuable Civilian Response Team (CRT) instrument and regrets that the CRT experts have been deployed almost exclusively on an individual basis rather than, as envisaged, in the team format for which they were trained;
Človekova varnost in varnostna razsežnost razvojne politike
Human security and the security dimension of development policy