natgillin/translations-raw huggingface dataset:
V povezavi s členom 54(1) člen 53 PDEU omogoča izdajanje direktiv o začetku opravljanja in opravljanju dejavnosti, kakršne opravljajo kreditne institucije.
In conjunction with Article 54(1), Article 53 TFEU provides for issuing Directives concerning the taking-up and pursuit of companies such as credit institutions.
Ta predlog zato temelji na členu 53(1) PDEU.
Therefore, this proposal is based on Article 53(1) TFEU.
Vsi elementi predloga služijo temu cilju in ga podpirajo.
All elements of this proposal serve this objective and are ancillary to it."
Prvič, glede na posledice pravne podlage, kar zadeva temeljno pristojnost in postopek, saj je izbira prave pravne podlage ustavnega pomena
First, in view of the consequences of the legal basis in terms of substantive competence and the procedure, the choice of the correct legal basis is of constitutional importance
Mnenje 2/00 Kartagenski protokol [2001] E.C.R. I-9713, odst.
Opinion 2/00 Carthagena Protocol [2001] E.C.R. I-9713, para.
5; zadeva C-370/07 Komisija proti Svetu, odstavki 46-49; Mnenja 1708 (30. november 2009), Splošni sporazum o trgovini in storitvah, še neobjavljeno, odst.
5; Case C-370/07 Commission v Council , paras 46-49; Opinion 1/08 (30 November 2009), General Agreement on Trade in Services , not yet reported, para.
Drugič, izbira pravne podlage nekega akta ni odvisna od prepričanja zadevne institucije o zastavljenem cilju, temveč mora temeljiti na objektivnih dejavnikih, ki so lahko predmet sodne revizije
Secondly, the choice of the legal basis for an act does not turn on the relevant institution's conviction as to the objective pursued but must be "based on objective factors which are amenable to judicial review"
Kadar je uskladitev nacionalne zakonodaje le postranska posledica ukrepa, ki je prvotno namenjen doseganju drugega cilja, je treba ukrep sprejeti le na podlagi tistega člena Pogodbe, ki ustreza njegovemu glavnemu ali prevladujočemu cilju ali sestavini
Where, for example, harmonisation of national legislation is only an incidental effect of a measure which primarily pursues another objective, the measure must be adopted only on the basis of the specific Treaty article which corresponds to its main or predominant purpose or component
Zadeva 68/86 Združeno kraljestvo proti Svetu [1988] ECR 855, odstavki 14-16: zadeva C-70/88 Evropski parlament proti Svetu [1991] ECR I-4529, odstavki 16-18; zadeva C-155/91 Evropski parlament proti Svetu [1993] ECR I-939, odstavki 18-20; zadeva C-187/93 Evropski parlament proti Svetu [1994] ECR I-2857, odstavki 23-26; zadeva C-426/93 Nemčija proti Svetu [1995] ECR I-3723, odst.
Case 68/86 United Kingdom v Council [1988] E.C.R. 855, paras 14-16: Case C-70/88 European Parliament v Council [1991] E.C.R. I-4529, paras 16-18; Case C-155/91 Commission v Council [1993] E.C.R. I-939, paras 18-20; Case C-187/93 European Parliament v Council [1994] E.C.R. I-2857, paras 23-26; Case C-426/93 Germany v Council [1995] E.C.R. I-3723, para.
33; zadeva C-271/94 Evropski parlament proti Svetu [1996] ECR I-1689, odstavki 28-32; zadeva C-84/94 Evropski parlament proti Svetu [1996] ECR I-5755, odstavki 11-12 ter 22; združeni zadevi C-164-165/97 Evropski parlament proti Svetu [1999] ECR I-1339, odst.
33; Case C-271/94 European Parliament v Council [1996] E.C.R. I-1689, paras 28-32; Case C-84/94 United Kingdom v Council [1996] E.C.R. I-5755, paras 11-12 and 22; Joined Cases C-164-165/97 European Parliament v Council [1999] E.C.R. I-1339, para.
59; zadeva C-281/01 Komisija proti Svetu [2002] ECR I-12649, odstavki 33-49; Sodišče Evropskih skupnosti, zadeva C-338/01 Komisija proti Svetu [2004] ECR I-4829, odst.
59; Case C-281/01 Commission v Council [2002] E.C.R. I-12649, paras 33-49; ECJ, Case C-338/01 Commission v Council [2004] E.C.R. I-4829, para.
To se pogosto navaja kot preizkus težišča.
This is often referred to as the “centre of gravity” test.
Cilj in vsebina predlaganega ukrepa
Aim and content of the proposed measure
Komisija v obrazložitvenem memorandumu k predlogu navaja, da je Direktiva 94/19/ES nujni pravni akt za vzpostavitev notranjega trga z vidika svobode ustanavljanja in svobodnega zagotavljanja finančnih storitev na področju kreditnih institucij.
The Commission states in the explanatory memorandum to the proposal that " Directive 94/19/EC constitutes an essential instrument for the achievement of the Internal Market from the point of view of both the freedom of establishment and the freedom to provide financial services, in the field of credit institutions."
To se v celoti odraža v vsebini predloga.
This is borne out in full by the content of the proposal.
Zadostuje navedba naslednjih uvodnih izjav:
Suffice it to refer to the following recitals:
Uvodna izjava (2): Da bi olajšali začetek opravljanja in opravljanje dejavnosti kreditnih institucij, je treba odstraniti razlike med zakonodajami posameznih držav članic glede pravil o sistemih zajamčenih vlog, ki jih morajo te institucije upoštevati.
Recital (2): In order to make it easier to take up and pursue the business of credit institutions, it is necessary to eliminate the differences between the laws of the Member States as regards the rules on Deposit Guarantee Schemes to which these institutions are subject.
Uvodna izjava (3): Ta direktiva predstavlja bistveni pravni akt za vzpostavitev notranjega trga z vidika tako svobode ustanavljanja kot svobode opravljanja finančnih storitev na področju kreditnih institucij, hkrati pa izboljšuje stabilnost bančnega sistema ter varstvo vlagateljev.
Recital (3): This Directive constitutes an essential instrument for the achievement of the Internal Market from the point of view of both the freedom of establishment and the freedom to provide financial services, in the field of credit institutions, while increasing the stability of the banking system and protection for depositors.
Uvodna izjava (5): Direktiva 94/19/ES temelji na načelu minimalnega usklajevanja.
Recital (5): Directive 94/19/EC was based on the principle of minimum harmonisation.
To je povzročilo izkrivljanje trga za kreditne institucije in omejilo prednosti notranjega trga za vlagatelje.
This caused market distortions for credit institutions and limited the benefits of the Internal Market for depositors.
Uvodna izjava (6): Navedena direktiva bi morala omogočiti enake konkurenčne pogoje med kreditnimi institucijami, vlagateljem pa ponujati jasno razlago značilnosti sistemov zajamčenih vlog ter jim v interesu finančne stabilnosti z dobro delujočimi in verodostojnimi sistemi zajamčenih vlog omogočati hitro izplačilo.
Recital (6): The Directive should enable a level playing field between credit institutions, allow depositors to easily understand the features of Deposit Guarantee Schemes and facilitate a quick repayment to depositors by sound and credible Deposit Guarantee Schemes in the interest of financial stability.
Uvodna izjava (33): Treba je uvesti učinkovit instrument za določitev usklajenih tehničnih standardov na področju finančnih storitev, da se zagotovijo enaki konkurenčni pogoji in ustrezna zaščita vlagateljev po Evropi.
Recital (33): There is a need to introduce an effective instrument to establish harmonised technical standards in financial services to ensure a level playing field and an adequate protection of depositors across Europe.
Take standarde je potrebno razviti zato, da se standardizira izračun prispevkov na podlagi tveganja.
Such standards should be developed in order to standardise the calculation of risk-based contributions.
Jasno je, da je glavna tema težišča predlaganega instrumenta dopolnitev notranjega trga s stališča svobode ustanavljanja in svobode zagotavljanja finančnih storitev.
It is plain that the main object or centre of gravity of the proposed instrument is the achievement of the Internal Market from the point of view of both the freedom of establishment and the freedom to provide financial services.
Iz gornje analize je razvidno, da je težišče predloga začetek in opravljanje dejavnosti podjetij ali firm v širšem okviru dopolnitve notranjega trga.
It clearly emerges from the above analysis that the centre of gravity of the proposal is the taking-up and pursuit of the activities of companies or firms within the wider context of the achievement of the internal market.
Posledično je primerna pravna podlaga člen 53(1) PDEU, ki obravnava začetek in opravljanje dejavnosti samozaposlenih, saj člen 54 PDEU določa, da se podjetja ali firme, ustanovljene v skladu s pravom države članice, ki imajo registrirani sedež, osrednjo upravo in glavni kraj poslovanja v Uniji, za namene člena 53 obravnavajo enako kot fizične osebe, ki so državljani držav članic.
Consequently, the appropriate legal basis is Article 53(1) TFEU, which deals with the taking-up and pursuit of activities as self-employed persons, given that Article 54 TFEU provides that companies or firms formed in accordance with the law of a Member State and having their registered office, central administration or principal place of business within the Union are be treated in the same way as natural persons who are nationals of Member States for the purposes of Article 53.
Menimo, da je primerna pravna podlaga za predlog člen 53(1) PDEU.
It is considered that the proper legal basis for the proposal is Article 53(1) TFEU.
Odbor za pravne zadeve je zato na seji 27. januarja 2011 soglasno
At its meeting of 27 January 2011 the Committee on Legal Affairs accordingly decided unanimously
Pri končnem glasovanju so bili navzoči: Klaus-Heiner Lehne (predsednik), Raffaele Baldassarre (podpredsednik), Evelyn Regner (podpredsednica), Sebastian Valentin Bodu (podpredsednik), Piotr Borys, Françoise Castex, Christian Engström, Marielle Gallo, Lidia Joanna Geringer de Oedenberg, Vytautas Landsbergis, Kurt Lechner, Eva Lichtenberger, Toine Manders, Alajos Mészáros, Bernhard Rapkay, Francesco Enrico Speroni, Dimiter Stojanov, Diana Wallis, Cecilia Wikström, Zbigniew Ziobro, Tadeusz Zwiefka. sprejel odločitev, da vam priporoči naslednje: predlog direktive Evropskega parlamenta in Seta o sistemih zajamčenih vlog (KOM(2010)368 končno) bi moral temeljiti na členu 53(1) PDEU.
The following were present for the final vote: Klaus-Heiner Lehne (Chair), Raffaele Baldassarre (Vice-Chair), Evelyn Regner (Vice-Chair), Sebastian Valentin Bodu (Vice-Chair), Piotr Borys, Françoise Castex, Christian Engström, Marielle Gallo, Lidia Joanna Geringer de Oedenberg, Vytautas Landsbergis, Kurt Lechner, Eva Lichtenberger, Toine Manders, Alajos Mészáros, Bernhard Rapkay, Francesco Enrico Speroni, Dimitar Stoyanov, Diana Wallis, Cecilia Wikström, Zbigniew Ziobro, Tadeusz Zwiefka. to recommend to you as follows: the proposal for a Directive of the European Parliament and of the Council on Deposit Guarantee Schemes (COM(2010)368 final) should be based on Article 53(1) TFEU.
Odbor za notranji trg in varstvo potrošnikov v splošnem podpira pregled Direktive 94/19/ES o sistemih zajamčenih vlog, saj je za obstoječi sistem potrebna bolj usklajena rešitev.
The Committee on the Internal Market and Consumer Protection generally supports the revision of Directive 94/19/EC on Deposit Guarantee Schemes (DGS), as the existing system needs a more harmonised solution.
Nedavna finančna kriza kaže, da je treba zagotoviti trdnejši okvir za premagovanje neravnovesij na finančnih trgih.
The recent financial crisis shows that a more solid framework should be provided to overcome the destabilities of financial markets.
V EU obstaja sedaj približno 40 sistemov zajamčenih vlog, ki pokrivajo različne skupine vlagateljev in vlog do različnih stopenj kritja ter finančnim institucijam nalagajo različne obveznosti.
There are about 40 DGSs in the EU today, covering different groups of depositors and deposits of different coverage levels, and imposing different obligations on financial institutions.
Tako razdrobljeni sistemi zajamčenih vlog omejujejo koristi notranjega trga in ne zagotavljajo trdne podlage za preprečevanje prihodnjih kriz.
Such a fragmented DGS system limits the benefits of the Internal Market and does not provide a solid basis to combat future crises.
Poleg tega so sedanje sheme v mnogih državah članicah premalo financirane.
Moreover, the current schemes are underfinanced in many Member States.
Odbor predlaga naslednje bistvene spremembe, da bi izboljšali razumljivost besedila Komisije in predlagali nekaj kritičnih pripomb o predlogu.
In order to improve the clarity of Commission's text and put forward some critical observations on the proposal, the Committee suggests following substantial amendments:
– Razširitev področja uporabe direktive, da bi pokrila tradicionalne varčevalne instrumente, na primer hranilne knjižice ali potrdila o vlogah.
- Broadening the scope of directive in order to cover traditional savings instruments such as savings books or certificates of deposits.
Te bančne vloge se uporabljajo kot nadomestilo za hranilne vloge, čeprav niso povezane z bančnimi računi.
These deposits, although not linked to a bank account, are used as a substitute to savings accounts.
– Pojasnilo nejasnih določb, ki ne bi omogočale pravne varnosti za potrošnike in finančne institucije.
- Clarifying vague provisions which would not offer legal certainty for consumers and the financial institutions.
– Uvedba določb za hitrejše postopke odločanja, saj je v primeru finančnih težav kreditnih institucij nujno, da se nemudoma obvestijo pristojni organi, ki nato skupaj s sistemom zajamčenih vlog delujejo hitro, da bi zaščitili potrošnike.
- Introducing provisions for faster decision-making procedures, as in the case of financial problems of credit institutions it is necessary that the competent authorities are informed without delay and that subsequently those authorities, together with the Deposit Guarantee Scheme, act quickly in order to protect consumers.
– Zagotovitev, da sistem zajamčenih vlog pokriva tudi bančne vloge lokalnih organov (občin).
- Ensuring that deposits of local authorities (municipalities) are also covered by the DGS.
Velika večina lokalnih organov so majhni subjekti z majhnim proračunom, ki niso neposredno povezani z osrednjim državnim proračunom in z omejeno možnostjo, da bi ocenili verodostojnost kreditne institucije.
Vast majority of local authorities are small entities with low budgets, no direct link to the central state budget and a limited ability to assess credibility of a credit institution.
– Omogočanje razširitve področja uporabe kritja začasnih visokih saldov za vloge, ki izpolnjujejo socialne vidike, opredeljene v nacionalni zakonodaji (kot so presežki, zavarovalni odškodninski zahtevki itd.).
- Allowing the extended scope of coverage of temporary high balances for the deposits that fulfil social considerations defined in national law (such as redundancy, insurance claims etc.).
– Podaljšanje predlaganega sedemdnevnega obdobja izplačila na sedem delovnih dni ter obveznost, ne prostovoljnost, izplačilnega postopka.
- Extending the proposed 7 days payout period to 7 working days and making the payout process obligatory, not facultative.
– M mnogih državah članicah bančne institucije lahko delujejo pod več različnimi blagovnimi znamkami, od regulativnega organa pa morajo pridobiti samo eno dovoljenje.
- In many Member States a banking institution can operate under several different brand names but it only needs to get one authorisation from the regulator.
V tem primeru bi dobil potrošnik, ki ima več računov z različnimi blagovnimi znamkami, ki jih pokriva eno samo dovoljenje, odškodnino samo do višine 100 000 EUR.
In such a case a consumer who has several accounts with different brands covered under a single licence would only be compensated up to €100,000.
Odbor za notranji trg in varstvo potrošnikov predlaga, naj se državam članicam omogoči, da se odločijo, ali bo pokritje sistemov zajamčenih vlog veljalo ločeno za vloge, položene na vsako blagovno znamko, čeprav jih upravlja ena kreditna institucija.
The Committee on the Internal Market and Consumer Protection suggests allowing Member States to decide that the DGS coverage shall apply separately to the deposits placed with each brand entity, even if operated by one credit institution.
– Podpiranje prehoda na predhodno financiranje sistema zajamčenih vlog in zmanjšanje stroškov usklajevanja.
- Supporting the shift towards ex-ante funding of DGS and lowering the costs of harmonization.
Ciljna raven, ki se določi na podlagi upravičenih vlog, finančnim institucijam nalaga prekomerno breme ter prekinja povezavo med dejansko količino vlog in prispevki institucij.
The target level determined on the basis of eligible deposits places an overbearing burden on financial institutions and interrupts the link between the actual amount of deposits and institutions' contributions.
Odbor je izbral drug koncept pokritih vlog, ki vključuje resničen obseg vlog ter tako bolje ustreza potrebam varstva potrošnikov.
The Committee chose another concept of the covered deposits, which comprises the true amount of deposits and thus corresponds better with the needs of consumer protection.
– Odbor za notranji trg in varstvo potrošnikov je tudi prepričan, da bi sistemi zajamčenih vlog morali imeti možnost, da uporabijo svoja sredstva za zgodnje posredovanje za zmanjšanje posledic morebitnega neizpolnjevanja obveznosti bank za potrošnike.
- Te Committee on the Internal Market and Consumer Protection is also convinced that the DGS should be able to use their funds for early intervention in order to minimize the effects of a potential bank default on customers.
– Medsebojna izposoja med sistemi iz različnih držav članic bi morda utegnila pomagati, a bi lahko tudi prenesla krizo iz ene države v drugo.
- Mutual borrowing between the systems from different Member States could potentially help but could also transfer a crisis from one country to another.
Zato odbor predlaga, da se ta določba premakne iz okvira obveznosti v okvirni model, ki se lahko uporablja po potrebi, od države članice pa bi bilo odvisno, ali bo sodelovala v takem sistemu (npr. tako, da podpiše ustrezen čezmejni sporazum).
Therefore the Committee proposes to shift this provision from obligations to the model framework, which can be used if needed, and it would depend on the Member States if they participate in such a system (e.g. by signing the appropriate cross-border agreements).
– Črtanje prilog I in II o prispevkih na podlagi izračuna tveganja bi moralo biti v skladu z načelom subsidiarnosti prepuščeno državam članicam.
- Deleting Annexes I and II on calculation of risk based contributions, as according to the principle of subsidiarity it should be left to Member States.
Predlagani sistem ne bi zagotovil napovedanega cilja (to je istih prispevkov za banke z enakim profilom tveganja v različnih državah članicah) zaradi različnih pogojev na finančnih trgih v vsej EU ter z upoštevanjem specifičnih proizvodov za potrošnike (na primer vloge v bankah za stanovanjsko varčevanje).
The proposed system would not ensure the proclaimed goal (i.e. the same contributions for banks with the same risk profile in different Member States) due to the different conditions of financial markets across the EU and with respect to the specific products for consumers (i.e. deposits in the building savings banks).
– Okrepitev določb o obveščanju in omogočanje potrošnikom (npr. v primeru združitev), da prenesejo nezaščitene vloge na drugo kreditno institucijo brez kazni.
- Strengthening information provisions and giving consumers the possibility (e.g. in case of merger) to transfer the unprotected deposits to another credit institution without penalties.
Dejanski vlagatelji bodo v svojih bančnih izpiskih prejeli tudi informacijski list (na podlagi Priloge III).
The actual depositors will also be provided with the information sheet (based on the Annex III) in their bank statements.
– Omogočanje izbire jezikovnega režima obveznosti o informacijah, če se bosta o njej strinjali obe strani, da se zagotovi prilagodljiva rešitev za obmejne regije in izseljence ter za povečanje čezmejne konkurence na notranjem trgu na splošno.
- Allowing the choice of language regime of information requirements if agreed by both parties in order to provide a flexible solution for border regions and expats and to increase cross-border competition in the Internal Market in general.
– Poenostavitev terminologije, ki se uporablja v Prilogi III, da se informacije za potrošnike zagotovijo v razumljivem jeziku.
- Simplifying the terminology used in Annex III, so that information for consumers is provided in a comprehensive language.
(9a) Sistemi zajamčenih vlog bi morali imeti možnost, da presežejo izključno nalogo izplačevanja, in sicer z zahtevo, da morajo udeležene institucije priskrbeti dodatne informacije, na podlagi katerih bi oblikovali sistem zgodnjega opozarjanja.
(9a) It should be possible for Deposit Guarantee Schemes to go beyond a pure reimbursement function by requiring member institutions to supply additional information and on this basis build up early warning systems.
Tako bi lahko prispevke na podlagi tveganj dovolj zgodaj prilagodili ali predlagali preventivne ukrepe za prepoznana tveganja.
In this way risk-dependent contributions can be adjusted at an early stage or preventive measures against recognised risks can be proposed.
V primeru grozečih neravnovesij bi morali upravljavci sistemov zajamčenih vlog morali imeti možnost, da se odločijo o podpornih ukrepih, ali imeti možnost, da svoja sredstva uporabijo za redno likvidacijo problematičnih institucij, da bi preprečili stroške povračil vlagateljem ter druge negativne učinke nesolventnosti.
In the event of impending imbalances, Deposit Guarantee Scheme operators should be able to decide on support measures or to use their resources to support orderly winding-up of problematic institutions in order to avoid the costs of reimbursing depositors and the other adverse impacts of insolvency.
(17) Da bi se omejila zaščita vlog do take mere, ki bi zagotavljala pravno jasnost in preglednost za vlagatelje, ter da se tveganja naložb ne bi prenesla na sisteme zajamčenih vlog, je treba iz obsega kritja izključiti določene finančne proizvode naložbene narave, zlasti tiste, ki niso vračljivi v nominalni vrednosti ter tiste, katerih obstoj se da dokazati samo s certifikatom .
(17) In order to limit deposit protection to the extent necessary to ensure legal clarity and transparency for depositors and to avoid transferring investment risks to Deposit Guarantee Schemes, certain financial products with an investment character should be excluded from the scope of coverage, in particular those that are not repayable in par and those whose existence can only be proven by a certificate .
(17) Da bi se omejila zaščita vlog do take mere, ki bi zagotavljala pravno jasnost in preglednost za vlagatelje, ter da se tveganja naložb ne bi prenesla na sisteme zajamčenih vlog, je treba iz obsega kritja izključiti določene finančne proizvode naložbene narave, zlasti tiste, ki niso vračljivi v nominalni vrednosti.
(17) In order to limit deposit protection to the extent necessary to ensure legal clarity and transparency for depositors and to avoid transferring investment risks to Deposit Guarantee Schemes, certain financial products with an investment character should be excluded from the scope of coverage, in particular those that are not repayable in par.
Uvodna izjava se spremeni v skladu s predlogom spremembe člena 2, odstavek 1 – točka a –odstavek 3 – alinea 1.
This recital is changed according to the amendment to Article 2, paragraph 1 - point a - paragraph 3 - indent 1.
(18) Določeni vlagatelji ne bi smeli biti upravičeni do zaščite vlog, zlasti vladni in osrednji, deželni in regionalni organi ali druge finančne institucije.
(18) Certain depositors should not be eligible for deposit protection, in particular government and central, provincial and regional authorities or other financial institutions.
Poleg tega imajo vladni in osrednji, deželni in regionalni organi veliko lažji dostop do posojil kot državljani.
Moreover, government and central, provincial and regional authorities also have much easier access to credit than citizens.