natgillin/translations-raw huggingface dataset:
E. ker je treba izboljšati bonitetne standarde in odpraviti pomanjkljivosti v zvezi s kakovostjo in višino kapitala, upravljanjem likvidnosti, samoregulacijo prek notranjih modelov ter prociklično naravo Basla II in direktive o kapitalskih zahtevah, ki jih je razkrila kriza,
E. whereas prudential standards must be strengthened and properly enforced and shortcomings concerning the quality and amount of capital, liquidity management, the weaknesses of internal models and the pro-cyclical nature of Basel II and the CRD that have been revealed by the crisis must be addressed,
F. ker je treba razširiti izbor minimalnih instrumentov za posredovanje, ki so na voljo nadzornikom za obvladovanje krize;
F. whereas it is necessary to expand the crisis management minimum intervention toolbox available to supervisors,
G. ker si je treba prizadevati za jasno in popolno ločitev med bančnimi storitvami za prebivalstvo in naložbenim bančništvom, da bi zagotovili, da se zavarovani depoziti ne uporabljajo kot zavarovanje za trgovalne dejavnosti;
G. whereas a clear separation or firewalling between retail and investment banking must be strived for in order to make sure that insured deposits are not used as collateral for trading activities,
H. ker bi novi standardi morali upoštevati velikost, profil tveganja in poslovni model bank,
H. whereas the new standards should take into account a bank's size and risk profile and its business model,
I. ker je treba upoštevati skupni vpliv ustreznih elementov revidiranega okvira Basel II in drugih regulativnih pobud na realno gospodarstvo ter gospodarsko rast,
I. whereas, however, due account must be taken of the cumulative impact of the relevant elements of the revised Basel II framework and of other regulatory initiatives on the real economy and on economic growth,
J. ker so neuspehi trgov in predpisov brez primere v preteklosti spodbudili države G20, da so na srečanjih v Londonu, Pittsburghu in Torontu sklenile povečati kakovost kapitala, izboljšati kritje tveganj, omiliti procikličnost, uvesti v prihodnost usmerjeno oblikovanje rezervacij za kreditne izgube, odvrniti akterje od čezmernih finančnih vzvodov, uvesti kazalnik finančnega vzvoda, ki bi dopolnil na tveganju zasnovani okvir Basel II z namenom prehoda na obravnavo prvega stebra, in okrepiti zahteve glede likvidnosti;
J. whereas unprecedented market and regulatory failures prompted the G20 to decide at its meetings in London, Pittsburgh and Toronto to increase the quality of capital, strengthen risk coverage, mitigate pro-cyclicality, introduce forward-looking provisioning for credit losses, discourage excessive leverage and introduce a leverage ratio supplementary to the Basel II risk-based framework with a view to migrating to Pillar 1 treatment, and to strengthen liquidity standards,
K. ker se direktiva o kapitalskih zahtevah v Evropi uporablja za vse kreditne ustanove in investicijska podjetja, ki uporabljajo najrazličnejše poslovne modele; ker druge države izvajanje pravil Basel II omejujejo na določeno število bank, ki uporabljajo poseben poslovni model; ker se zaradi takšnih razlik v obsegu uporabe porajajo dvomi glede združljivosti, enakih konkurenčnih pogojev in morebitne regulativne arbitraže,
K. whereas Europe applies the CRD to all credit institutions and investment firms operating under a variety of business models; whereas other countries restrict the application of the Basel II rules to a certain number of banks having a specific business model; whereas such differences in scope of application raises concerns as regards compatibility, a level playing field and the risk of potential regulatory arbitrage,
L. ker obstajajo pomembne evropske posebnosti, kot je dejstvo, da se podjetniški sektor v Evropi večinoma financira z bančnimi posojili; ker morajo revidirana baselska pravila ustrezno upoštevati takšne posebnosti; ker je zaželeno, da bi bila bančna posojila bolj ciljno usmerjena na specializirana področja, kot so denimo posojila malim in srednje velikim podjetjem, in da bi večja podjetja spodbujali k izdajanju obveznic neposredno vlagateljem,
L. whereas there are important European specificities, such as the fact that the corporate sector in Europe is predominantly financed through bank lending; whereas the revised Basel rules must take due account of such specificities; whereas it would be desirable for bank lending to be more targeted at specialised fields such as SME lending and for larger companies to be encouraged to issue bonds directly to investors,
M. ker je enoten pristop za vse, ki ne upošteva specifičnega profila tveganja bank in raznolikosti evropskega bančnega sektorja, škodljiv za evropsko bančno industrijo in bi zato lahko oviral gospodarsko rast in gospodarsko okrevanje,
M. whereas a 'one size fits all' approach that does not take into account banks’ specific risk profiles and the diversity of the European banking sector is detrimental to the European banking industry and consequently may harm economic growth and economic recovery,
N. ker v EU trenutno poteka obsežna reforma finančne ureditve, zato morajo biti reforme medsebojno skladne, poleg tega pa bi moral časovni potek izvajanja upoštevati skupni učinek ukrepov na realno gospodarstvo in ne bi smel škoditi gospodarskemu okrevanju,
N. whereas, as the EU is currently undergoing an extensive financial regulation reform, there must be consistency between reforms and, moreover, implementation calendars should take into account the cumulative impact of the measures on the real economy and should not hamper economic recovery,
O. ker je zbliževanje v smeri enotne zbirke visoko kakovostnih svetovnih računovodskih standardov bistveno za ohranjanje enakih pogojev in zagotavljanje primerljivosti podatkov na svetovni ravni; ker je treba te standarde ustrezno nadgraditi z izkušnjami, pridobljenimi v krizi;
O. whereas convergence towards a single set of high-quality global accounting standards is essential in order to maintain a level playing field and ensure comparability of data globally; whereas such standards must be appropriately upgraded to take account of the lessons learned from the crisis,
P. ker bi morali vsi ustrezni organi strogo upoštevati načelo „vsebina pred obliko“, da se preprečijo neprimerni rezultati;
P. whereas the need for strict obedience to the ‘substance-over-form’ principle shall be taken into account by all relevant authorities in order to avoid inappropriate results,
Q. ker je mednarodna uskladitev poročanja za računovodske namene ter poročanja za regulativne in davčne namene bistvenega pomena, da se nadzornikom in vlagateljem zagotovijo enake pregledne in jasne informacije, in ker je treba omejiti dvojno poročanje, ker to ne izključuje bonitetnih filtrov, pod pogojem, da so uporabljeni v vseh izkazih,
Q. whereas international convergence between reporting for accounting purposes and reporting for regulatory and tax purposes is essential in order to ensure that supervisors and investors are provided with the same transparent and clear information, and whereas dual reporting should be minimised; whereas this does not preclude prudential filters, providing they are presented in all accounts,
R. ker bi se banke morale bolj osredotočiti na ključne poslovne dejavnosti za realno gospodarstvo; ker bi morala Baselski odbor in Komisija to spodbujati,
R. whereas banks should focus more on core businesses serving the real economy; whereas the Basel Committee and the Commission should encourage this,
S. ker morajo reforme, ki jih predvideva revizija ureditve Basel II, potekati sočasno s strukturnimi reformami bančnega nadzora, za kar se zavzema Evropski parlament, in ker je treba sčasoma začrtati pot za oblikovanje in dosledno izvajanje ukrepov drugega stebra,
S. whereas reforms included in the Basel II revision must go hand-in-hand with structural reforms to bank supervision, as advocated by the European Parliament, and, eventually, a route for the drawing up and consistent implementation of Pillar 2-type measures,
Splošne zadeve
General issues
4. poudarja, da je treba okrepiti povezave med postopkoma nadzornega pregleda (2. steber) in razkritja (3. steber), tako da se objavijo rezultati testov izjemnih situacij in kapitalskih dodatkov;
Stresses the need to strengthen the interaction between the supervisory review process (Pillar2) and disclosure (Pillar 3) by making the results of stress tests and capital add-ons available to the public;
6. poziva Baselski odbor in Komisijo, da ustrezno upoštevata te posebnosti in različne vrste tveganja, ki lahko prizadene bančni sektor; poudarja, da je treba v revidiranih pravilih Basel II jasno razlikovati med naložbenimi in tradicionalnimi bančnimi storitvami za prebivalstvo, pa tudi med transakcijskimi storitvami;
Urges the Basel Committee as well as the Commission to take proper account of such specificities and of the different types of risk affecting the banking sector; stresses the need to clearly differentiate between investment and traditional retail banking services, as well as transaction services, in the revised Basel II rules;
9. poudarja, da so za oživitev evropskega gospodarstva potrebni dinamični finančni trgi, ki lahko financirajo naložbe in inovacije; svari pred pravili in zahtevami, ki bi ustvarile nov posojilni zlom ter destabilizirale gospodarski razvoj in evropske trge dela;
Underlines that a recovery of the European economy requires dynamic financial markets able to finance investment and innovation; warns against rules and requirement that would create a new credit crunch, destabilising economic development and European labour markets;
14. opozarja, da je treba Parlament kot demokratično izvoljen evropski organ vključiti v pogajanja, ter poziva Komisijo in Baselski odbor, da sprejmeta potrebne ukrepe za njegovo redno sodelovanje;
Recalls the need to involve Parliament, as the democratically elected European body, in the negotiations, and urges the Commission and the Basel Committee to take the necessary steps to involve it on a permanent base;
22. meni, da je treba rešiti vprašanje finančnih ustanov, ki so prevelike, da bi lahko dopustili njihov propad, zato bi morale biti kapitalske zahteve in proticiklične rezerve sorazmerne velikosti, stopnji tveganja in poslovnemu modelu finančne ustanove;
Is of the view that the issue of 'too-big-to-fail' financial institutions must be addressed, and therefore that capital requirements and counter-cyclical buffers should be proportionate to the size, level of risk and business model of a financial institution;
Kakovost kapitala
Quality of capital
27. poziva Komisijo, da pregleda predlagana merila upravičenosti za temeljni kapital prvega reda in omeji seznam na tista merila, ki so potrebna za zagotavljanje kakovosti kapitala (trajnost, absorbiranje izgube, prilagodljivost plačila);
Urges the Commission to review the proposed eligibility criteria for core tier 1 capital and to restrict the catalogue to those criteria which are necessary to ensure the quality of capital (i.e. permanence, loss absorbance, flexibility of payment);
29. poudarja pomembno vlogo, ki jo je imel varnostni kapital med krizo; poziva Komisijo in Baselski odbor, da priznata vlogo prilagodljivega varnostnega kapitala v kriznih razmerah in spremljata tržno sprejemanje zamenljivih instrumentov;
Emphasises the important role contingent capital played during the crisis; calls on the Commission and the Basel Committee to recognise the role of flexible contingent capital in crisis situations and to monitor market acceptance of convertible instruments;
Standardi likvidnosti
Liquidity standards
Proticiklični ukrepi
Counter - cyclical mea sures
45. izraža zaskrbljenost zaradi morebitne prociklične narave fiksne rezerve za ohranjanje kapitala, specifične za vsako banko, kakršna se predlaga zdaj; meni, da bi morale biti rezerve za ohranjanje kapitala in proticiklične rezerve dovolj velike, da bodo absorbirale izgube v obdobjih krize; meni, da je treba rezerve načrtovati in razvijati vzporedno, da bodo učinkovite;
Is concerned about the possible pro-cyclical nature of a fixed bank-specific capital conservation buffer as currently proposed; is of the view that both capital conservation buffers and counter-cyclical buffers should be able to absorb losses during a period of stress; is of the view that, in order to make the buffers effective, they should be designed and developed in parallel;
48. meni, da mora imeti prihodnji Evropski bančni organ vodilno vlogo pri opredeljevanju in izvajanju ukrepov, povezanih s kapitalskimi zahtevami in standardi proticikličnih kapitalskih rezerv, na ravni EU;
Deems that the forthcoming European Banking Authority should play a leading role in the drawing up and implementation of measures relating to capital requirements and counter-cyclical capital buffer standards at EU level;
50. poudarja, da proticiklična ureditev zahteva usklajena merila, da bodo lahko nadzorni organi celostno in natančno spremljali finančne trge in tržno okolje, vključno s popolno izmenjavo informacij, sinhronizacijo regulativnih ukrepov ter spremljanjem izpostavljenosti in tveganja v realnem času, tudi z zahtevami za kontrolne zapise za vse transakcije finančnih trgov;
Points out that counter-cyclical regulation requires harmonised criteria in order to ensure comprehensive and careful monitoring of the financial markets and the market environment by supervisory authorities, including, amongst other things, full exchange of information, synchronisation of regulatory actions and real-time monitoring of exposure and risk, including through a requirement for audit trails on all financial-market transactions;
Kazalnik finančnega vzvoda (LR)
Leverage ratio (LR)
54. poziva Baselski odbor in Komisijo, naj primerno ocenita možnosti kazalnika finančnega vzvoda za kapital prvega in drugega reda, ob upoštevanju posebnosti bančne industrije EU;
Asks the Basel Committee and the Commission to assess properly the leverage ratio options applicable to Tier 1 and Tier 2, taking due account of the specificities of the EU banking industry;
59. poziva k nadaljnjemu premisleku o alternativnih oblikah kazalnika finančnega vzvoda v drugem stebru; poudarja, da bi kazalnik finančnega vzvoda na primer lahko imel prožno zgornjo mejo, nadzorni organi pa bi ob prekršitvi te meje lahko ukrepali;
Calls for further consideration to be given to alternative forms of leverage ratio in Pillar 2; points out that a leverage ratio could, for example, have a flexible margin and supervisory authorities would have the discretion to act upon the breach of the limit;
Kreditno tveganje nasprotne stranke (CCR)
Counterparty credit risk (CCR)
62. poziva Baselski odbor in Komisijo, naj preučita alternative za boljše obravnavanje tveganja popravkov kreditnega vrednotenja, ki nastane zaradi poslabšanja kakovosti posojil nasprotnih strank bank;
Urges the Basel Committee and the Commission to explore alternatives that will better address the credit value adjustment risk arising from the deterioration of the credit quality of banks’ counterparties;
65. opozarja, da je kriza pokazala, da je medsebojna povezanost finančnih ustanov večja od povezanosti finančnih ustanov in podjetij, ter meni, da bi morale biti kapitalske zahteve za kreditno tveganje nasprotne stranke strožje za izpostavljenost finančnih institucij drugim finančnim institucijam in da bi morale odražati tudi dinamično naravo tega tveganja v času; poudarja, da je treba podrobno spremljati medsebojno povezanost, da bi odkrili koncentracijo transakcij med velikimi akterji in posledično sprejeli regulativne ukrepe, povezane s kreditnim tveganjem nasprotne stranke;
Underlines the fact that the crisis has shown that interconnectedness between financial institutions is greater than interconnectedness between financial institutions and corporates, and takes the view that capital requirements for CCR should be stricter for exposures of financial institutions to other financial institutions and should also reflect the dynamic nature of this risk over time; stresses that careful monitoring of interconnectedness is necessary in order to detect any concentration of transactions between large players and to take subsequent regulatory measures regarding CCR;
Na podlagi odločne zavezanosti skupine G20 in sklepov, sprejetih na srečanjih na vrhu v Washingtonu, Londonu in Pittsburghu, je Baselski odbor (v nadaljevanju „odbor“) začel delo za reformo okvira Basel II, da bi povečal prilagodljivost bančnega sistema.
Based on strong commitment of the G20 and conclusions reached at Washington, London and Pittsburgh G 20 summits, the Basel Committee (later referred to as ‘Committee’) launched works to reform the Basel II framework in order to strengthen the resilience of the banking system.
V svojih predlogih si prizadeva izboljšati kakovost kapitalske osnove, razširiti in okrepiti kritje kapitalskega okvira (na primer kreditno tveganje nasprotne stranke, ki izhaja iz izvedenih finančnih instrumentov, posli repo itd.).
The Committee’s proposal aims to improve the quality of the capital base, extend and strengthen the coverage of the capital framework (such as counterparty credit risk arising from derivatives, repos, etc.).
Odbor namerava tudi uvesti kazalnik finančnega vzvoda za omejevanje čezmerne uporabe finančnih vzvodov v sistemu ter druge dodatne proticiklične ukrepe, kot so kapitalske rezerve, ki jih je treba oblikovati v ugodnih gospodarskih razmerah.
The Committee also intends to introduce a leverage ratio to help containing excessive build up of leverage in the system and other supplementary counter-cyclical measures such as capital buffers to be build in good times.
Navsezadnje predlaga uvedbo svetovnih standardov za upravljanje likvidnosti.
Last but not least global standards on liquidity management are proposed.
Poročevalec je prepričan, da je kriza jasno pokazala na potrebo po poglobljeni reviziji sedanjega regulativnega okvira, zato pozdravlja prizadevanja Baselskega odbora za izboljšanje okvira nasploh.
The rapporteur is convinced, that the crisis has set a clear case for an in depth revision of the current regulatory framework.
Kljub splošni podpori reformi okvira je poročevalec močno zaskrbljen zaradi očitnih pomanjkljivosti pogajalskega procesa o spremenjenem okviru.
And therefore welcomes the efforts of the Basel Committee to upgrade the framework in general.
Zaskrbljen je tudi, ker okvir, kakor je trenutno predstavljen, nedvoumno postavlja evropsko gospodarstvo v podrejen konkurenčni položaj.
Despite his general support to reform the framework, the rapporteur is strongly concerned about visible shortcomings of the negotiation process on the revised framework, and that the framework, as currently presented, clearly puts the European economy at competitive disadvantage.
Zato je glavni razlog za to poročilo poziv Evropskega parlamenta Baselskemu odboru, da se ga ustrezno vključi v potekajoča pogajanja, in poziv k potrebnim prilagoditvam okvira, da bi preprečili podrejen konkurenčni položaj evropske industrije in gospodarstva.
The main reason for this report is therefore a call of the European Parliament on the Basel Committee to be included in the appropriate way in the ongoing negotiations and a call to make necessary adjustments to the framework so that the European industry and economy are not disadvantaged.
Evropski parlament mora imeti dejavno vlogo in odločno vplivati na spremembo pravil, ki so že v postopku pogajanj v Baselskem odboru.
The European Parliament must play an active role and strongly influence the revision of the rules already in the process of negotiations in the Basel Committee.
Poročevalec meni, da mora biti Evropski parlament kot demokratično izvoljen evropski organ, ki bo kasneje zakonodajno soodločal o predlogu Komisije o direktivi o kapitalskih zahtevah (direktiva CRD 4), vključen v postopek pogajanj v zgodnji fazi, ter zahteva, da Baselski odbor in Komisija sprejmeta potrebne ukrepe v tem smislu.
The rapporteur believes that, as the European Parliament is the democratically elected European body who will later on co-legislate on the Commission proposal of the Capital Requirements Directive (CRD 4 Directive), should be involved in the negotiations process at an early stage, and asks the Basel Committee and the Commission to take necessary steps in this respect.
Čeprav obstaja močna mednarodna zavezanost spremembi baselskega okvira, je pomembno, da takšna sprememba vzpostavi pravilno ravnovesje med različnimi modeli poslovanja, naložbenimi in tradicionalnimi bančnimi storitvami za prebivalstvo, različnimi pravnimi oblikami in prevladujočim financiranjem podjetniškega sektorja z bančnimi posojili v Evropi.
Although there is a strong international commitment to revise the Basel framework, it is important that such revision strikes the right balance between various business models, investment and traditional retail banking, different legal forms and predominant financing of corporate sector through bank lending in Europe.
Medtem ko se ameriško gospodarstvo večinoma financira prek kapitalskega trga, je evropski podjetniški sektor odvisen od posojilne sposobnosti bančnega sektorja.
While the American economy is mainly financed through the capital market, the European corporate sector relies on the lending capacity of the banking sector.
80 % naložb in posojil v Evropi temelji na bančnih posojilih.
80% of investment and lending in Europe is based on bank credits.
Spremenjena pravila morajo upoštevati te razlike, ne da bi v slabši položaj pahnila nekatere trge ali modele poslovanja.
The revised rules should take into account such differences without penalising certain markets or business models.
V nasprotnem primeru utegne nastati škoda za evropsko gospodarstvo in industrijo.
Otherwise, there is a risk of harming the European economy and industry.
Poročevalec se strinja, da so enaki mednarodni konkurenčni pogoji v zvezi s spremenjenim okvirom Basel II pomembni, pod pogojem, da takšen okvir evropskega gospodarstva ne bo postavil v podrejen konkurenčni položaj.
The rapporteur agrees with the importance of international level playing field as regards Basel II revised framework under condition that such framework does not put the European Economy at competitive disadvantage.
Vse sodelujoče strani v Baselskem odboru morajo biti odločno zavezane jasnemu in doslednemu časovnemu načrtu izvajanja.
Within the Basel Committee there needs to be a strong commitment of all engaged parties to a clear and coherent implementation calendar.
Poročevalec meni, da je to pogoj za uspešno reformo in preprečevanje regulativne arbitraže.
The rapporteur is of the view that this is a pre-condition for successful reform and for preventing regulatory arbitrage.
Komisijo in države članice poziva, da se bolje usklajujejo v interesu Evropske unije.
The rapporteur calls on the Commission and on Member States to better coordinate in the interest of the European Union.
Koledar izvajanja mora upoštevati vpliv vseh elementov spremenjenega okvira Basel II in vseh reform, ki potekajo, na realno gospodarstvo.
The implementation calendar must take into account the impact of all the elements of the Basel II revised framework and of all ongoing reforms on the real economy.
Zlasti je treba zagotoviti financiranje malih in srednje velikih podjetij ter podjetniškega sektorja, saj so ta podjetja ena od gonilnih sil za rast in zaposlovanje v Evropi.
Especially, SMEs and corporate sector financing has to be ensured, given that the SMEs are one of the driving forces for growth and employment in Europe.
Poleg tega mora biti prihodnji predlog CRD4 v skladu z vzpostavitvijo močnega nadzornega organa.
Furthermore, the upcoming proposal of the CRD4 has to be inline with a strong supervisory authority.
Poročevalec je zaskrbljen glede medsebojne povezanosti različnih sestavin predloga, ki je v pripravi – krepitev kakovosti kapitala ob sočasnem zviševanju ravni kapitala se mora izvajati previdno.
The rapporteur is concerned about the interlink between the different components of the upcoming proposal - strengthening the quality of capital at the same time while raising the level of capital has to be done in a cautious way.