natgillin/translations-raw huggingface dataset:
Zadeva za evropsko skupinsko tožbo............................................................................300
The case for a European class action lawsuit..................................................................300
Potreba po odškodnini za oškodovance družbe Equitable Life.......................................302
The need to compensate Equitable Life victims..............................................................301
SKLEPI, DEL V, VLOGA KOMISIJE ...................................................................................333
PART V - ROLE OF THE COMMISSION............................................................................315
Izvajanje zakonodaje EU – splošno ozadje....................................................................338
The implementation of EU legislation - general background............................................318
Spremljanje izvajanja s strani Komisije v praksi.............................................................341
The Commission's monitoring of implementation in practice............................................321
Potreba po zagotavljanju celovitega pristopa k izvajanju................................................349
The need to ensure a comprehensive approach to implementation...................................330
SKLEPI, DEL V, VLOGA KOMISIJE ...................................................................................354
Conclusions PART V, ROLE OF THE COMMISSION ..........................................................335
DEL VI – VLOGA PREISKOVALNIH ODBOROV..............................................................356
PART VI - ROLE OF COMMITTEES OF INQUIRY............................................................338
Omejitve trenutnega statusa...............................................................................................361
Limitations of the current status......................................................................................344
Sklepi – DEL VI – PREISKOVALNI ODBORI ......................................................................372
Conclusions - PART VI, COMMITTEES OF INQUIRY .........................................................354
PRIPOROČILA, DEL II IN III – PRENOS IN ZAKONODANJI SISTEM...................376
A. RECOMMENDATIONS, PART II AND III - TRANSPOSITION AND REGULATORY SYSTEM 358
PRIPOROČILA, DEL VI – VLOGA PREISKOVALNIH ODBOROV..........................385
D. RECOMMENDATIONS, PART VI - ROLE OF COMMITTEES OF INQUIRY......367
ANNEX 1: KRONOLOŠKI PREGLED.................................................................................388
ANNEX 1: EQUI TIMELINE.................................................................................................370
PRILOGA 3: ARHIV DOKAZOV IN ZAPISNIKOV............................................................400
ANNEX 3: ARCHIVE OF EVIDENCE AND TRANSCRIPTS..............................................382
DEL I – UVOD
PART I - INTRODUCTION
o mandatu in ukrepih preiskovalnega odbora
on the mandate and actions of the Committee of Inquiry
KAZALO DEL I
INDEX PART I
Podrobni načrti ukrepov
Lines of action in detail
Zgodovinsko ozadje
Historical background
Povzetek sprejetih ukrepov
Summary of actions undertaken
Evropski parlament se je 18. januarja 2006 odločil
On 18 January 2006, the European Parliament decided
Sklep Evropskega parlamenta B6-0050/2006 z dne 18. januarja 2006 o ustanovitvi preiskovalnega odbora v zvezi s polomom družbe Equitable Life, objava v UL poteka. , da ustanovi preiskovalni odbor z 22 člani za preiskavo domnevnih kršitev ali nepravilnosti pri izvajanju zakonodaje Skupnosti v zvezi s krizo družbe Equitable Life Assurance Society, brez poseganja v pristojnosti nacionalnih sodišč ali sodišč Skupnosti.
Decision of the European Parliament B6-0050/2006 of 18 January 2006, setting up a Committee of Inquiry into the collapse of the Equitable Life Society, publication in OJ pending. to set up a Committee of Inquiry of 22 members to investigate alleged contraventions or maladministration in the application of Community law in relation to the collapse of the Equitable Life Assurance Society, without prejudice to the jurisdiction of national or Community courts.
Skrbi, zaradi katerih se je Odbor ustanovil, je prej povzročilo več peticij Evropskemu parlamentu.
The concerns which led to the setting up of the committee had previously been raised via several petitions to the European Parliament.
Peticiji 0611/2004, Arthur White (Britanec), in 0029/2005, Paul Braithwaite (Britanec), v imenu članov skupine Equitable Members' Action Group (EMAG), in poznejše peticije o isti temi, ki so jih predložili nemški in irski pobudniki. .
Petitions 0611/2004 by Arthur White (British) and 0029/2005 by Paul Braithwaite (British), on behalf of the Equitable Members' Action Group (EMAG) and subsequent petitions on the same subject submitted by German and Irish petitioners.
Te peticije so bile temelj in začetna točka preiskave in so nam bile v pomoč pri določanju smeri preiskave.
These petitions formed the basis and starting point of the inquiry and have helped focus its direction.
Zato je bilo ključno potrditi in ohraniti sodelovanje vlagateljev peticije in jih povabiti na seje odbora, da bi ugotovili stanje.
It therefore was crucial to acknowledge and maintain input from the petitioners and invite them to the committee's meetings in order to set the scene.
Osrednja vloga teh posebnih peticij kaže tudi splošen pomen Odbora za peticije Evropskega parlamenta pri spremljanju izvajanja zakonodaje Skupnosti.
The central role of these particular petitions also reflects the general importance of Parliament's Petitions Committee in monitoring the application of Community law.
Pomembno si je zapomniti, da obseg preiskave omejujejo mandat, člen 193 Pogodbe ES ter Sklep Parlamenta, Sveta in Komisije o uresničevanju pravice Evropskega parlamenta do preiskave.
It is important to bear in mind that the scope of the inquiry is limited by the mandate, by Article 193 of the EC Treaty and by the Decision of the Parliament, Council and Commission on the exercise of the European Parliament's right of inquiry.
Sklep 95/167/ES, Euratom, ESPJ Evropskega parlamenta, Sveta in Komisije z dne 19. aprila 1995 o določbah, ki podrobneje urejajo uveljavljanje pravice Evropskega parlamenta do preiskave, UL L 113 19/5/1995, str.
Decision 95/167/EC, Euratom, ECSC of the European Parliament, the Council and the Commission of 19 April 1995 on the detailed provisions governing the exercise of the European Parliament's right of enquiry, OJ L 113 19/5/1995, p.2.
2) ocena regulativnega sistema Združenega kraljestva glede na družbo Equitable Life;
2) Assessment of the UK regulatory regime in respect of Equitable Life;
3) status zahtevkov in ustreznost pravnih sredstev, ki so na voljo zavarovancem;
3) Status of claims and adequacy of remedies available to policyholders;
4) ocena spremljanja izvajanja s strani Komisije.
4) Assessment of the Commission's monitoring of implementation.
Končno je bil odbor pozvan, da „oblikuje vse predloge, ki so v zvezi s tem potrebni“ .
Finally, the committee was required to " make any proposals that it deems necessary in this matter. "
Ob upoštevanju tega področja uporabe je odbor 23. marca 2006 sprejel delovni dokument o načrtih ukrepov, ki izhajajo iz mandata (ref.
With this scope in mind, the committee adopted on 23 March 2006 a Working Document on the Lines of Action arising from the mandate (ref.
Ti načrti ukrepov so natančneje opredeljeni spodaj.
These lines of action are set out in greater detail below.
Namen pristopa je bil ločiti preiskave na ravni držav članic (prenos/izvajanje, ureditev/nadzor in mehanizmi odškodnine) in obravnavo vprašanja vloge Komisije.
The approach was to separate the investigations at the Member State-level on the one hand (transposition/implementation, regulation/supervision and redress mechanisms) and to deal with the question of the Commission's role separately.
Navedena štiri ključna vprašanja so se razvijala postopno z različnimi predhodnimi osnutki poročila, začela pa so se s tem poročilom, ki obravnava mandat in načrte ukrepov.
The four key issues set above were gradually developed through different preliminary draft reports, starting with the present one, which focuses on the mandate and lines of action.
Med tem postopkom je bilo v skladu s sklepom o ustanovitvi preiskovalnega odbora oblikovano vmesno poročilo o preiskavi, ki je bilo Parlamentu predstavljeno julija 2006 in je povzemalo do takrat opravljeno delo.
In the course of this process, an interim report on the investigation, presented to Parliament in July 2006, in accordance with the Decision setting up the Committee of Inquiry, summarized the work undertaken at that point in time.
Upoštevati je treba, da je bila preiskava ločena od prejšnjih in stalnih nacionalnih preiskav s sprejetjem evropske perspektive.
It is important to bear in mind that the inquiry has set itself apart from previous and ongoing national investigations by adopting a European perspective.
Za doseganje tega je bila izvedena primerjalna analiza, vključeni pa so bili Združeno kraljestvo, Nemčija, Irska in vsaj še ena druga država članica z dobro razvito industrijo finančnih storitev, kot je Nizozemska ali Španija.
In order to achieve this, the analysis was done in a comparative way, including the UK, Germany, Ireland and at least one other Member State with a well developed financial services industry, such as the Netherlands or Spain.
Ena od osnovnih nalog odbora je bila preučiti, ali so pristojni organi Združenega kraljestva na nacionalni ravni pravilno prenesli in ustrezno izvajali Direktivo 92/96/EGS, tj. tretjo direktivo o življenjskem zavarovanju
One of the core tasks of the committee was to examine whether Directive 92/96/EEC, the Third Life Directive (3LD)
Direktiva Sveta 92/96/EGS z dne 10. novembra 1992 o usklajevanju zakonov in drugih predpisov o neposrednem življenjskem zavarovanju, ki spreminja Direktivi 79/267/EGS in 90/619/EGS (tretja direktiva o življenjskem zavarovanju), UL L 311, 14.11.1997, str.
Council Directive 92/96/EEC of 10 November 1992 on the coordination of laws, regulations and administrative provisions relating to direct life assurance and amending Directives 79/267/EEC and 90/619/EEC (third life assurance Directive), OJ L 311 , 14/11/1997, p.34. , was correctly transposed and properly implemented at the national level in the UK by its competent authorities.
Odbor je bil najprej pozvan, da analizira celotno zakonodajo EU in regulativni okvir za zavarovalniški sektor ter pojasni, katere določbe se uporabljajo v primeru družbe Equitable Life.
To do this, the committee was firstly called upon to analyse the overall EU legislative and regulatory framework for the insurance sector and clarify which provisions apply to Equitable Life's situation.
Poleg preverjanja Združenega kraljestva je odbor izvedel primerjalno analizo, s katero je opredelil določbe nacionalne zakonodaje, namenjene uresničevanju zahtev direktiv, in preučil, ali so bile te zahteve v celoti in pravočasno prenesene.
In addition to looking at the UK, the committee carried out a comparative analysis, identifying the provisions of national law intended to give effect to the requirements of the Directives, and examined whether these requirements were transposed in a full and timely manner.
Drugič je bil odbor pozvan, da preuči, ali so različni organi Združenega kraljestva direktivo izvajali v skladu z zakonodajo EU.
Secondly, the committee was called upon to examine whether the application of the Directive by the different UK authorities was in conformity with EU legislation.
Poskusil je pojasniti zadevne odgovornosti različnih finančnih organov, vključenih v nadzor družbe Equitable Life v referenčnem obdobju.
It tried to clarify the respective responsibilities of the various financial authorities involved in the supervision of Equitable Life during the reference period.
Izvajale so se natančne preiskave, da bi ugotovili, kdo, kdaj in kako je nadzoroval solventnost družbe Equitable Life in tudi računovodenje ter prakse oblikovanja rezervacij in kako so se organi odzvali na mogoče pomanjkljivosti.
Detailed investigations were carried out to establish by whom, when and how Equitable Life's solvency, as well as its accounting and provisioning practices, were supervised and how authorities responded to potential weaknesses.
Vendar je bilo treba za namene preiskave analizirati dogodke pred letom 1994 ob upoštevanju prve
Nevertheless, for the purposes of the inquiry, it was necessary to analyze events before 1994, both in terms of the First and Second Life Directives (1LD
2) Ocena regulativnega sistema Združenega kraljestva glede na družbo Equitable Life
2) Assessment of the UK regulatory regime in respect of Equitable Life
Glavni elementi tega načrta ukrepov so zajeti v delu IV končnega poročila.
The main elements of this line of action are covered in Part IV of the final report.
Čeprav je ta del mandata zahteval obsežno preiskavo, so standardi izvajanja preiskave povezani z zakonodajo Skupnosti, sicer bi odbor presegel svoje omejitve iz člena 193 Pogodbe ES.
Although this part of the mandate called for a wide-ranging investigation, the standards of conduct to examine are related to Community law, since otherwise the committee would exceed its limits as fixed by Article 193 EC.
Razen tega se je zdelo primerno primerjati sistem Združenega kraljestva z regulativnimi pristopi na Irskem, v Nemčiji in drugih državah članicah EU.
Furthermore, it appeared appropriate to compare the UK regime with regulatory approaches in Ireland, Germany and another EU Member States.
Odbor je bil pozvan, da preuči primerljivost regulativnega sistema Združenega kraljestva s podobnimi sistemi v okolju EU.
In short, the committee was called upon to examine how UK regulatory practice in respect of ELS compares when judged against its peers in an EU environment.
Ministrstvo za gospodarstvo in finančne zadeve je avgusta 2001 začelo preiskavo, ki jo je vodil lord Penrose.
The Treasury set up Lord Penrose’s inquiry in August 2001.
Poleg tega je odbor moral upoštevati stalno preiskavo parlamentarne varuhinje človekovih in bolnikovih pravic v Združenem kraljestvu „za določitev, ali je bil zadevni domač regulativni sistem ustrezno upravljan“.
In addition, the committee needed to take into account the ongoing investigation by the UK Parliamentary and Health Service Ombudsman "to determine whether the relevant domestic regulatory regime was properly administered".
Objava poročila je predvidena v sredini leta 2007.
The release of that report is expected in mid-2007.
V skladu s sklepom o ustanovitvi preiskovalnega odbora referenčno obdobje za načrt preiskave zadeva „vsaj“ leto 1989 in je zato daljše od referenčnega obdobja iz točke 1.
According to the Decision setting up the Committee of Inquiry, the reference period for this line of investigation goes back "at least" to 1989 and is thus wider than the reference period for point 1.
3) Status zahtevkov in ustreznost pravnih sredstev, ki so na voljo zavarovancem
3) Status of claims and adequacy of remedies available to policyholders
Najprej je bilo treba ugotoviti število oškodovanih evropskih državljanov, ki niso iz Združenega kraljestva, in pojasniti okoliščine, v katerih so sklenili zavarovalne police pri družbi Equitable Life (tj. ali so jih sklenili v Združenem kraljestvu ali zunaj njega, neposredno ali prek posrednikov itd.).
Firstly, it was necessary to determine the number of non-UK European citizens affected and to clarify the circumstances under which they acquired Equitable Life policies (i.e., when they purchased them, whether they purchased them within or outside the UK, directly or through intermediaries, etc.).
Potem je bilo treba zbrati informacije o obsegu finančne škode, povzročene zavarovancem, ki niso iz Združenega kraljestva, in o mogočih pravnih poteh, ki so jih uporabili, da bi prejeli odškodnino.
Secondly, information was to be collected as to the magnitude of the financial damage caused to non-UK policyholders and possible actions they might have undertaken to obtain compensation.
Ta del preiskave je povezan z načelom „enotnega uradnega dovoljenja“ in nadzorom „domače države“ iz tretje direktive o življenjskem zavarovanju
This line of investigation is connected to the principle of "single official authorization" and "home State" control contained in the 3LD.
Odbor je naknadno preučil sistem pravnih sredstev, ki je na voljo tem zavarovancem.
The committee subsequently examined the system of legal remedies available for those policyholders.
Mogoča sta bila dva poteka dogodkov glede na rezultate preiskave odbora iz točk 1 in 2.
Two scenarios were possible depending on the results of the committee's investigations under points 1 and 2.
Če bi bilo ugotovljeno, da je bil regulativni sistem Združenega kraljestva usklajen z zakonodajo EU, bi odbor vseeno moral preučiti možnost zavarovancev, da zahtevajo odškodnino na podlagi zakonodaje Združenega kraljestva, in tudi možnost državljanov EU iz drugih držav članic, ki se v zvezi s tem srečujejo s posebnimi težavami.
Should the UK regulatory system be found to have been in conformity with EU law, the committee would nevertheless need to look into the possibility of policyholders being able to claim damages under UK law, as well as the possibility of EU citizens from other Member Sates encountering particular difficulties in that regard.
Če bi bilo ugotovljeno, da je Združeno kraljestvo kršilo zakonodajo EU, bi se lahko odbor usmeril tudi na sistem sodnega varstva iz zakonodaje EU.
If the UK was found to be violating EU law, the committee could also focus on the system of judicial protection under EU law.
Države članice morajo povrniti škodo, ki je bila povzročena posameznikom s kršenjem zakonodaje Skupnosti in za katero so odgovorne v skladu z merili Sodišča Evropskih skupnosti.
Member States are obliged to make good loss and damage caused to individuals by breaches of Community law for which they can be held responsible according to criteria developed by the Court of Justice.
Ta vprašanja je bilo treba dodatno pojasniti z oceno, ali domača sodišča lahko zaščitijo to pravico do odškodnine in ali v različnih državah članicah obstajajo različni standardi za popravo krivice.
These questions needed to be further clarified by evaluating whether domestic courts are adequately equipped to protect this right to reparation or whether different remedial standards exist in different Member States.
Glavni elementi tega načrta ukrepov so zajeti v delu III končnega poročila.
The main elements of this line of action are covered in Part III of the final report.
Odbor je bil pozvan, da preuči, kako je Komisija spremljala prenos zadevnih direktiv s strani Združenega kraljestva.
The committee was called upon to examine the way in which the Commission monitored the transposition of the relevant Directives by the UK.
Najprej je bilo treba ugotoviti, ali je Komisija že od začetka obravnavala izvajanje zakonodaje, za katero so organi Združenega kraljestva sporočili, da je usklajena z zakonodajo Skupnosti, ter ali je najprej opredelila vse pomanjkljivosti in naknadno zahtevala dodatna pojasnila.
Firstly, it was necessary to establish whether the Commission considered the implementing legislation notified to it by the UK authorities to be in compliance with Community law from the outset or whether it had initially identified any shortcomings and subsequently requested further clarifications.
Poleg tega je bilo treba preveriti, ali je Komisija kdaj začela postopke za ugotavljanje kršitev in ali je preiskovala kakršne koli s tem povezane pritožbe državljanov.
In addition, it was necessary to ascertain whether the Commission ever started infringement proceedings or if it investigated any related complaints by citizens.
Učinkovitost Komisije pri spremljanju prenosa je bilo treba ovrednotiti glede na zakonske obveznosti iz Pogodbe in na podlagi njene politične odgovornosti.
The Commission's performance in monitoring transposition was to be measured both against its legal obligations under the Treaty and in terms of its political responsibility.
Če bi odbor ugotovil, da Združeno kraljestvo ni delovalo v skladu z zakonodajo EU, bi bila nadaljnja naloga v okviru tega dela mandata oceniti, ali bi se bilo položaju mogoče izogniti, če bi Komisija izpolnjevala svoje obveznosti glede spremljanja prenosa.
If the committee were to find that the UK did not comply with EU legislation, a further task under this part of the mandate would be to assess whether the situation might have been avoided had the Commission fulfilled its obligation to monitor transposition.
Posebni ukrepi s seznama ukrepov in preiskav, ki ga je preiskovalni odbor 23. marca 2006 sprejel v svojem delovnem dokumentu
Specific actions arising from the list of actions and investigations as adopted by the Committee of Inquiry in its Working Document of 23 March 2006
1) Zaslišanje ustreznih prič pred odborom:
1) Hearing of relevant witnesses before the committee:
- povabilo višjih nosilcev odločanja Ministrstva za gospodarstvo in finančne zadeve Združenega kraljestva;
- Invitation of senior decision-makers from UK Treasury;
- povabilo komisarja McCREEVYJA in generalnega direktorja GD za notranji trg in storitve;
- Invitation of Commissioner McCREEVY and the Director General of DG MARKT;
- povabilo zakonodajalcev na področju financ iz Združenega kraljestva, Irske in Nemčije;
- Invitation of Financial Regulators from the UK, Ireland and Germany;
- celovita analiza ozadja trga življenjskega zavarovanja v Združenem kraljestvu in tudi družbe Equitable Life (zgodovina, stanje, nadaljnje možnosti) ter dogodkov, povezanih s krizo družbe Equitable Life;
- Overall background analysis of the UK life assurance market, as well as of Equitable Life as a company (history, state-of-play, prospects) and the events surrounding the collapse of Equitable Life;
- analiza ozadja zakonskega in regulativnega okvira EU v zvezi z družbo Equitable Life;
- Background analysis of EU legislative and regulatory framework in relation to Equitable Life;
- primerjalna analiza prenosa v Združeno kraljestvo in druge države članice v zvezi z nadzorom zavarovalnic, z uporabo „tabele prenosa“ (raziskava po naročilu „proračuna strokovnega znanja“ Odbora);
- Comparative analysis of transposition in the UK and other Member States, with regard to the supervision of insurance undertakings, using "table of transposition" (study commissioned through the committee's "Expertise Budget"),
- primerjalna študija (v zvezi s študijo o prenosu) o regulativnih pristopih v Združenem kraljestvu in drugih državah članicah EU;
- Comparative study (in connection with the study on transposition) on regulatory approaches in the UK and other EU Member States;
- primerjalna raziskava pravnih sredstev, ki so v okviru zakonodaj Združenega kraljestva in EU na voljo zavarovancem Združenega kraljestva in drugih držav članic (zunanja raziskava po naročilu „proračuna strokovnega znanja“ Odbora);
- Comparative study of the remedies available under UK and EU law for policyholders from the UK and other Member Sates (external study commissioned under the committee's "Expertise Budget");
- zbiranje informacij o številu oškodovanih zavarovancev iz Združenega kraljestva in drugih držav članic ter o obsegu povzročene škode;
- Gather information about the number of affected policyholders from the UK and non-UK Member States and the magnitude of damages suffered;
§ ukrepov, ki jih je Komisija sprejela v zvezi s spremljanjem izvajanja;
§ actions taken by the Commission with regard to monitoring implementation;
§ spremljanja prenosa tretje direktive v Združeno kraljestvo, vključno z ustrezno korespondenco z organi Združenega kraljestva.
§ the monitoring of the transposition of the Third Directive in the UK, including relevant correspondence with the UK authorities.
v delovnem dokumentu z dne 23. marca 2006
in the Working Document of 23 March 2006