natgillin/translations-raw huggingface dataset:
Zaradi tega je treba zaščito vlog uskladiti in poenostaviti do največje možne mere.
Therefore, deposit protection should be harmonised and simplified to the largest extent possible.
(6) Navedena direktiva bi morala pripomoči k obveščanju vlagateljev o kritih in nekritih finančnih produktih ter pojasniti delovanje sistemov zajamčenih vlog .
(6) This Directive should serve to inform depositors about financial products covered and those not covered and shed light on the way in which Deposit Guarantee Schemes function.
Možnost, da bi preprečili propad kreditne institucije z ustreznimi ukrepi sistemov zajamčenih vlog, bi morala ščititi zaupanje v finančno stabilnost in biti v interesu zasebnih vlagateljev, lokalnih organov, ki potrebujejo zaščito, ter predvsem malih in srednjih podjetij.
The possibility of preventing failure of a credit institution by means of appropriate measures adopted by the Deposit Guarantee Scheme should protect confidence in financial stability and should be in the interests of private depositors, local authorities that are in need of protection and , above all , small and medium enterprises ( SMEs ) .
S tem bi lahko preprečil tudi velik delež negativnih posledic propada kreditnih institucij, kot je nenadna izguba povezave z banko.
Consequently, a large proportion of the adverse consequences of insolvency of a credit institution such as the sudden loss of the relationship with the bank, can be avoided.
V primerih, ko bi moral izplačilo kriti jamstveni sistem, bi morala direktiva zagotavljati hitro izplačilo vlagateljem, ki ga opravijo dobro delujoči in verodostojni sistemi zajamčenih vlog.
In the event of payment becoming due under a guarantee, this Directive should ensure a quick repayment to depositors by sound and credible Deposit Guarantee Schemes.
(9) Čeprav so načeloma vse kreditne institucije članice sistema zajamčenih vlog, je treba priznati obstoj shem, ki ščitijo samo kreditno institucijo (institucionalna jamstvena shema) ter zlasti zagotavljajo njeno likvidnost in solventnost.
(9) Although, in principle, all credit institutions should be members of a Deposit Guarantee Scheme, it should be recognised that there are systems which protect the credit institution itself (Institutional Protection Schemes) and, in particular, ensure its liquidity and solvency.
Take sheme vlagateljem jamčijo več zaščite kot sistemi zajamčenih vlog.
Such schemes guarantee protection for depositors beyond that provided by a Deposit Guarantee Scheme.
Kadar so take sheme ločene od sistemov zajamčenih vlog, je treba upoštevati njihovo dodatno vlogo zaščite za sisteme, ko se določajo prispevki članic k svojim sistemom zajamčenih vlog.
If such schemes are separate from Deposit Guarantee Schemes, their additional safeguard role of systems should be taken into account when the contributions of its members to Deposit Guarantee Schemes are determined.
Usklajena stopnja kritja ne bi smela vplivati na sheme, ki ščitijo samo kreditno institucijo, razen v primeru izplačila vlagateljem.
The harmonised level of coverage should not affect schemes protecting the credit institution itself unless they repay depositors.
Vlagatelji bi morali imeti zahtevke pri vseh shemah, še zlasti če ni vzajemnega jamstvenega sistema, ki bi zagotavljal zaščito.
Depositors should have a claim against all schemes, in particular if protection by a Mutual Guarantee Scheme cannot be ensured.
Zaradi tega se iz te direktive ne sme izključiti nobene sheme ali sistema.
No scheme or system should thus be excluded from this Directive.
Uvodna izjava 9 a
Recital 9 a
Vse kreditne institucije bi morale biti vključene v sistem zajamčenih vlog, ki ga priznava direktiva, s čimer se zagotovijo visoka stopnja zaščite potrošnikov in enaki konkurenčni pogoji za kreditne institucije ter prepreči zakonodajna konkurenca.
Each credit institution should be part of a Deposit Guarantee Scheme recogni s ed under this D irective, thereby ensuring a high level of consumer protection and a level-playing field between credit institutions , as well as preventing regulatory competition.
Sistem zajamčenih vlog bi moral biti zmožen to zaščito zagotavljati kadar koli.
A Deposit Guarantee Scheme should be able to provide this protection at any time.
(9b) Glavna naloga sistema zajamčenih vlog je zaščita vlagateljev pred posledicami nesolventnosti kreditne institucije.
(9 b ) The key task of a Deposit Guarantee Scheme is to protect depositors against the consequences of insolvency of a credit institution.
Sistemi zajamčenih vlog bi morali biti zmožni to zaščito zagotavljati na različne načine: zato bi morali biti na eni strani spektra delovanja sistemov zajamčenih vlog sistemi z izključno nalogo izplačevanja (angl. „paybox“).
Deposit Guarantee Schemes should be able to provide this protection in various ways: at one end of the range of activit ies of Deposit Guarantee Schemes, therefore, schemes with a pure reimbursement (‘paybox’) function should be possible.
(9c) Sistemom zajamčenih vlog bi moralo biti omogočeno tudi, da presežejo izključno nalogo izplačevanja, in sicer z zahtevo, da morajo pridružene kreditne institucije priskrbeti dodatne informacije, na podlagi katerih bi ustvarili sistem zgodnjega opozarjanja.
( 9c ) It should also, however, be possible for Deposit Guarantee Schemes to go beyond a pure reimbursement function by requiring affiliated credit institutions to supply additional information and , on this basis , to 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 se moral sistem zajamčenih vlog odločiti o podpornih ukrepih ali imeti možnost, da svoja sredstva uporabi za redno likvidacijo problematičnih kreditnih institucij, da bi preprečil stroške povračil vlagateljem ter druge negativne učinke nesolventnosti.
In the event of impending imbalances, Deposit Guarantee Scheme s should be able to decide on support measures or to use their resources to support orderly winding-up of problematic credit institutions in order to avoid the costs of reimbursing depositors and the other adverse impacts of insolvency.
Uvodna izjava 9 d (novo)
Recital 9 d(new)
(9d) Na drugi strani spektra delovanja bi morali imeti sistemi zajamčenih vlog možnost, da prevzamejo obliko institucionalnih jamstvenih shem, kot je opredeljeno v členu 80(8) Direktive 2006/48/ES Evropskega parlamenta in Sveta z dne 14. junija 2006 o začetku opravljanja in opravljanju dejavnosti kreditnih institucij 1 .
( 9d ) At the other end of the range of activit ies , it should be possible for Deposit Guarantee Schemes to take the form of institutional protection schemes , as referred to in Article 80(8) of Directive 2006/48/EC of the European Parliament and of the Council of 14 June 2006 relating to the taking up and pursuit of the business of credit institutions 1 .
Ščitijo kreditno institucijo samo ter zlasti zagotavljajo njeno likvidnost in solventnost.
They protect the credit institution itself, in particular by ensuring its liquidity and solvency.
Pristojni organi bi jih morali priznati kot sisteme zajamčenih vlog, če izpolnjujejo vsa merila iz omenjenega člena in iz te direktive.
They should be recognised as Deposit Guarantee Schemes by the competent authorities if they fulfil all criteria laid down in that Article and in this Directive.
S temi merili se zagotovi zlasti, da je kot v drugih sistemih zajamčenih vlog vedno na razpolago dovolj sredstev za morebitne primere izplačila.
These criteria ensure, in particular, that, as in other Deposit Guarantee Schemes, sufficient resources are always available for a potential payout.
1 UL L 177, 30.6.2009, str.
1 OJ L 177, 30.6.2006, p.
(10) Institucionalne jamstvene sheme so opredeljene v členu 80(8) Direktive 2006/48/ES Evropskega parlamenta in Sveta z dne 14. junija 2006 o začetku opravljanja in opravljanju dejavnosti kreditnih institucij (prenova) 1 in jih pristojni organi lahko priznajo kot sisteme zajamčenih vlog, če izpolnjujejo vse pogoje iz omenjenega člena in te direktive.
(10) Institutional protection schemes are defined in Article 80(8) of Directive 2006/48/EC of the European Parliament and of the Council of 14 June 2006 relating to the taking up and pursuit of business of credit institutions (recast) 1 and may be recognized as Deposit Guarantee Schemes by the competent authorities if they fulfil all criteria laid down in that Article and in this Directive.
(11) Med nedavno finančno krizo je neusklajeno povečanje stopenj kritja po vsej EU povzročilo, da so vlagatelji prenašali denar na banke v državah, kjer so bile zajamčene vloge višje.
(11) In the recent financial crisis, uncoordinated increases in the coverage levels across the EU led to depositors shifting money to banks in countries where deposit guarantees were higher.
To je v času izjemnih situacij zmanjšalo likvidnost bank.
This drained liquidity from banks in times of stress.
V času stabilnosti se lahko zgodi, da se vlagatelji zaradi različnih stopenj kritja odločijo za najvišje zaščiteno vlogo, ne pa za najprimernejši proizvod.
In times of stability, different coverage levels may lead to depositors choosing the highest deposit protection rather than the most suitable deposit product.
To pa lahko povzroči izkrivljanje konkurence na notranjem trgu.
This may result in competitive distortions in the Internal Market .
Zato je treba zagotoviti skladno raven zaščite vlog ne glede na to, kje v Uniji so vloge locirane.
It is therefore indispensable to ensure a harmonised level of deposit protection wherever deposits are located in the Union.
Vendar pa so določene vloge, ki so povezane z osebnim položajem vlagatelja, lahko krite na višji stopnji, čeprav le za določen čas.
However, certain deposits relating to the personal situation of depositors may be covered at a higher level but for a limited time.
(11) Med nedavno finančno krizo je neusklajeno povečanje stopenj kritja po vsej Uniji v nekaterih primerih povzročilo, da so vlagatelji prenašali denar v banke v državah, kjer so bile zajamčene vloge višje.
(11) In the recent financial crisis, uncoordinated increases in the coverage levels across the Union have in some cases led to depositors shifting money to banks in countries where deposit guarantees were higher.
V času stabilnosti se lahko zgodi, da se vlagatelji zaradi različnih stopenj kritja odločijo za najvišje zaščiteno vlogo, ne pa za proizvod , ki je zanje najprimernejši .
In times of stability, different coverage levels may lead to depositors choosing the highest deposit protection rather than the deposit product best suited to them .
To pa lahko povzroči izkrivljanje konkurence na notranjem trgu.
This may result in competitive distortions in the internal market .
Zato je treba pri vseh priznanih sistemih zajamčenih vlog zagotoviti skladno raven zaščite vlog ne glede na to, kje v Uniji so locirane.
It is therefore indispensable to ensure a harmonised level of deposit protection by all recognised Deposit Guarantee Schemes, wherever deposits are located in the Union.
(11a) V času finančne krize se je izkazalo, da obstoječi sistemi zajamčenih vlog ne zmorejo obvladati vseh izgub, da bi tako zaščitili vlagatelje.
(11a) During the financial crisis , existing deposit guarantee schemes proved to be un able to carry all losses in such a way as to protect depositors.
Zato je treba zagotoviti, da razpoložljiva finančna sredstva sistemov zajamčenih vlog ustrezajo določeni ciljni ravni in da se lahko zbirajo tudi izredni prispevki.
It is, therefore, indispensable that the available financial means of Deposit Guarantee Schemes amount to a certain target level and that extraordinary contributions may be collected.
Kadar je to potrebno, morajo imeti sistemi zajamčenih vlog urejene ustrezne alternativne finančne dogovore, s pomočjo katerih si zagotovijo kratkoročno financiranje, potrebno za plačilo terjatev do njih.
Where necessary, Deposit Guarantee Schemes should have adequate alternative funding arrangements in place to enable them to obtain short term funding to meet claims made against them.
(12) Za vse vlagatelje se mora uporabljati enaka stopnja kritja , ne glede na to, ali je v državi članici valuta euro in ne glede na to, ali je banka članica sistema, ki ščiti samo kreditno institucijo .
(12) The same coverage level should apply to all depositors regardless of whether a Member State’s currency is the Euro or not and regardless of whether a bank is a member of a system which protects the credit institution itself.
Države članice zunaj euro območja bi morale imeti možnost, da zneske po valutni pretvorbi zaokrožijo, pri čemer pa ne smejo ogroziti enake zaščite vlagateljev.
Member States outside the Euro area should have the possibility to round off the amounts resulting from the conversion without compromising the equivalent protection of depositors.
(12) Za vse vlagatelje bi se morala uporabljati enaka zakonita pravica v zvezi z jamstveno shemo v okviru stopnje kritja, določene v tej direktivi , ne glede na to, ali je v državi članici valuta euro.
(12) The same legal entitlement in relation to the Deposit Guarantee Scheme should apply to all depositors in accordance with the coverage level provided for in this Directive, regardless of whether a Member State’s currency is the Euro or not .
(15) Državam članicam se ne sme preprečiti ustanavljanja sistemov, ki ščitijo pokojnine na splošno in ki bi morali delovati ločeno od sistemov zajamčenih vlog.
(15) Member States should not be prevented from establishing systems protecting pensions in general, which should operate separately from Deposit Guarantee Schemes.
Državam članicam se ne sme preprečiti zaščite določenih vlog iz socialnih razlogov ali povezanih z nepremičninskimi transakcijami za osebne bivalne namene .
Member States should not be prevented from protecting certain deposits for social reasons or in relation to real estate transactions for private residential purposes.
V vseh primerih pa je treba spoštovati pravila o državni pomoči.
In all cases, state aid rules should be complied with.
(15) Države članice bi morale tudi zagotoviti, da so vloge, ki so rezultat različnih transakcij, v danem obdobju v celoti zaščitene s sistemom zajamčenih vlog.
(15) Member States should also ensure that deposits resulting from certain transactions are fully covered by the Deposit Guarantee Sch e mes for a given period .
To zajema tudi vloge v povezavi s pridobitvijo ali prodajo zasebnih stanovanjskih nepremičnin .
These include deposits in connection with the acquisition or sale of private residential properties.
Enako bi moralo veljati za vloge, ki so zaščitene iz nekaterih socialnih razlogov, opredeljenih v nacionalnem pravu in povezanih z življenjskimi dogodki, kot so rojstvo, poroka, razveza ter zlasti izplačevanje pokojnin, ki izhajajo iz nekaterih oblik zavarovalnine ali odškodnine.
This should also apply to deposits which are protected on certain social grounds defined in domestic law and are connected with life cycle events - such as birth, marriage, divorce and , in particular , the provision for old age - or which arise from certain insurance benefits or compensation.
(16) Nujno je treba uskladiti postopke za financiranje jamstvenih sistemov ali samih kreditnih institucij.
(16) It is indispensable to harmonize the methods of financing schemes guaranteeing deposits or credit institutions themselves.
Na eni strani morajo kreditne institucije stroške financiranja nositi načeloma same; na drugi strani pa mora biti sposobnost financiranja teh sistemov sorazmerna z njihovimi obveznostmi.
On the one hand, the cost of financing such schemes should be borne principally by credit institutions themselves; on the other hand, the financing capacity of such schemes must be proportionate to their liabilities.
Da bi se zagotovilo , da imajo vsi vlagatelji v vseh državah članicah podobno visoko raven zaščite in da si sistemi zajamčenih vlog medsebojno posojajo denar samo v primerih, kadar je zadevni sistem zajamčenih vlog že poskušal z bistvenimi finančnimi ukrepi, je treba financiranje sistemov zajamčenih vlog uskladiti na visoki ravni .
In order to ensure that Depositors in all Member States enjoy a similarly high level of protection and that Deposit Guarantee Schemes lend money to each other only if substantial financing efforts have been made by the Deposit Guarantee Scheme concerned, the financing of Deposit Guarantee Schemes should be harmonised at a high level.
Vendar pa s tem ne sme biti ogrožena trdnost bančnega sistema v zadevni državi članici.
This, however, should not jeopardize the stability of the banking system of the Member State concerned.
Na eni strani morajo kreditne institucije stroške financiranja nositi načeloma same; na drugi strani pa mora biti sposobnost financiranja teh sistemov sorazmerna z njihovimi obveznostmi.
On the one hand, the cost of financing such schemes should be borne , in principle, by credit institutions themselves; on the other hand, the financing capacity of such schemes must be proportionate to their liabilities.
Da bi zagotovili podobno visoko stabilnost sistemov zajamčenih vlog v vseh državah članicah , bi morali za vse sisteme zajamčenih vlog predvideti enoten predhodni cilj finančnega kritja .
In order to ensure that Deposit Guarantee Schemes in all Member States display a similarly high level of stability, a uniform ex ante financial target level should be stipulated for all Deposit Guarantee Schemes.
(18) Določeni vlagatelji ne bi smeli biti upravičeni do zaščite vlog, zlasti javni organi ali druge finančne institucije.
(18) Certain depositors should not be eligible for deposit protection, in particular public authorities or other financial institutions.
Glede na to, da jih je v primerjavi z drugimi vlagatelji po številu občutno manj, se tako v primeru propada banke zmanjša verjetnost, da bi to vplivalo na finančno stabilnost.
Their limited number compared to all other depositors minimises the impact on financial stability in case of a bank failure.
Poleg tega imajo organi veliko lažji dostop do posojil kot državljani.
Authorities also have much easier access to credit than citizens.
Nefinančna podjetja bi načeloma morala biti krita, ne glede na njihovo velikost.
Non-financial businesses should in principle be covered, regardless of their size.
Države članice pa bi morale zagotoviti, da bodo krite tudi vloge lokalnih organov, ki potrebujejo zaščito.
However, Member States should ensure that the deposits of local authorities which are in need of protection are also covered.
(22) Finančna sredstva sistemov zajamčenih vlog bi se načeloma morala uporabljati za izplačila vlagateljem.
(22) The financial means of Deposit Guarantee Schemes should principally be used for the repayment of depositors.
Lahko pa bi se uporabila tudi za financiranje prenosov vlog na drugo kreditno institucijo , v primeru, da stroški, ki jih nosi sistem zajamčenih vlog, ne presegajo zneska kritih vlog pri zadevni kreditni instituciji.
They could , however, also be used in order to finance the transfer of deposits to another credit institution, provided that the costs borne by the Deposit Guarantee Scheme do not exceed the amount of covered deposits at the credit institution concerned.
Do določene mere, ki jo omejuje Direktiva, pa se lahko uporabijo tudi za financiranje preprečitve propada bank.
They could also to a certain extent, as circumscribed in the Directive, be used to finance the prevention of bank failures.
Taki ukrepi morajo biti v skladu s pravili o državni pomoči.
Such measures should comply with state aid rules.
To pa ne posega v bodočo politiko Komisije v zvezi z ustanovitvijo nacionalnih reševalnih skladov za banke.
This is without prejudice to the future Commission policy concerning the establishment of national bank resolution funds.
(22) Sistemi zajamčenih vlog bi morali imeti zadostna finančna sredstva za izplačila vlagateljem v primeru nesolventnosti kreditne institucije .
(22) Deposit Guarantee Schemes should have sufficient financial means for the repayment of depositors in the event of insolvency of a credit institution.
V mnogih primerih pa je treba za preprečitev propada kreditne institucije izvajati podporne ukrepe, saj imajo pri jamčenju vlog ugodnejši učinek kot izplačilo vlagateljem.
In many cases, however, support measures should be taken to avert the insolvency of a credit institution since they have a more favourable effect in guaranteeing deposits than reimbursement of depositors.
Poleg tega bi se lahko s temi ukrepi izognili nadaljnjim stroškom in negativnim učinkom na finančno stabilnost in zaupanje vlagateljev.
Moreover, such measures may make it possible to avoid further costs and adverse effects on financial stability and the confidence of depositors.
Zaradi tega mora biti možno, da se sredstva sistemov zajamčenih vlog uporabijo tudi za podporne ukrepe.
It should therefore also be possible to use the resources of Deposit Guarantee Schemes for support measures.
Ti ukrepi morajo biti vedno povezani s pogoji, ki jih mora izpolnjevati institucija, ki prejme podporo.
Support measures should always entail conditions with which the institution receiving the support must comply.
Lahko pa bi se uporabila tudi v povezavi z redno likvidacijo kreditne institucije , v primeru, da je to najcenejša alternativa za sistem zajamčenih vlog .
It should , however, also be possible to use them in conjunction with the orderly winding-up of a credit institution, provided that this results in the cheapest alternative for the Deposit Guarantee Scheme.
Zato stroški, ki jih nosi sistem zajamčenih vlog, ne bi smeli presegati zneska kritih vlog pri zadevni kreditni instituciji.
The costs borne by the Deposit Guarantee Scheme should therefore not exceed the amount of covered deposits at the credit institution concerned.
Te možnosti delovanja sistemov zajamčenih vlog ne bi smele posegati v bodočo politiko Komisije v zvezi z ustanovitvijo nacionalnih reševalnih skladov za banke.
These options for action by Deposit Guarantee Scheme s should be without prejudice to the future Commission policy concerning the establishment of national bank resolution funds.
(22a) Sredstva iz sistema zajamčenih vlog se lahko uporabijo za financiranje neprekinjenega vodenja računa za delež kritih vlog institucije.
(22a) Funds of Deposit Guarantee Scheme s may be used to finance the continuity of account operation for an institution's share of covered deposits .
(24) Ob prispevkih v sisteme zajamčenih vlog je treba upoštevati stopnjo tveganja, ki so ji njihovi člani izpostavljeni.
(24) Contributions to Deposit Guarantee Schemes should take account of the degree of risk incurred by their members.
S tem bi se odražali profili tveganj posameznih bank, s čimer bi se omogočil pošten izračun prispevkov in spodbujalo poslovanje po manj tveganem poslovnem modelu.
This would allow to reflect the risk profiles of individual banks and lead to a fair calculation of contributions and to provide incentives to operate under a less risky business model.
Do takšne uskladitve bi se postopoma dalo priti z določitvijo glavnih kazalnikov, obveznih za vse države članice, in dodatnih, neobveznih kazalnikov.
Developing a set of core indicators mandatory for all Member States and another set of optional supplementary indicators would introduce such harmonisation gradually.
S tem bi se odražali profili tveganj posameznih bank, tudi njihovih posameznih poslovnih modelov, s čimer bi se omogočil pošten izračun prispevkov in spodbujalo poslovanje po manj tveganem poslovnem modelu.
This would allow to reflect the risk profiles of individual banks, including their different business models and lead to a fair calculation of contributions and to provide incentives to operate under a less risky business model.
V ta namen bi bilo treba predvideti standardni pristop k prepoznavanju prispevkov na podlagi tveganja v sisteme zajamčenih vlog.
To this end, a standard approach to the identification of risk-dependent contributions to Deposit Guarantee Schemes should be laid down.