natgillin/translations-raw huggingface dataset:
Tradicije varstva potrošnikov in izvajanje poslovnega nadzora so trdno zakoreninjene v različne pravne in socialno-ekonomske sisteme, zato se jih ne sme preprosto spremeniti z usklajevanjem, ki bi ustrezalo vsem.
Traditions of consumer protection and conduct of business supervision are firmly rooted in the context of the different legal and social-economic systems and should not be simply overhauled into a one-size-fits-all harmonisation.
Osredotočiti se je treba zlasti na dejanske čezmejne zahteve mobilnih uporabnikov in ne toliko na ambicije za spodbujanje čezmejnih nakupov med domačimi uporabniki, da se ustvarita večja konkurenca in večja izbira.
Focus here should be more on the concrete cross border demands of mobile users than on ambitions to promote cross border shopping amongst domestic users to create more competition and more choice.
Poročevalka želi, da bi finančna industrija razvila poskusne projekte za vseevropske finančne produkte, kot so pokojnine, hipoteke ali posebna zavarovanja.
The rapporteur rather likes to see financial industry developing pilots for pan-European financial products, such as pensions, mortgages or specific insurance products.
Za te produkte je treba razviti ustrezen okvir za nadzor, pogodbeno pravo in varstvo potrošnikov, da bodo prenosljivi čez meje v EU in jih bodo vzajemno priznavali vsi vpleteni regulativni organi.
An appropriate framework of supervision, contractual law and consumer protection should be developed for these products to be portable across borders within the EU, mutually recognised by all involved regulators.
Tradicionalni posojilodajalci so šele nedavno priznali in neradi izpolnili zahtevo samozaposlenih oseb in posameznikov iz prejšnjega neformalnega sektorja, ki želijo ustanoviti lastno podjetje, po mikrokreditih.
The demand for micro credit from self employed and previously informal sector individuals that endeavour to start their own business is only recently acknowledged and reluctantly met by traditional credit providers.
Poročevalka predlaga, da Komisija na podlagi najboljših praks v smislu pravnega in regulativnega okolja v Evropi in zunaj nje predloži akcijski načrt za mikrofinanciranje.
Your rapporteur suggests that, based on best practices in terms of legal and regulatory environment in and outside Europe, the Commission should present an action plan for micro financing.
V tem poglavju je omenjeno tudi trajnostno financiranje dodatnih demografskih neravnovesij prek financiranih pokojninskih sistemov.
In this chapter also the sustainable financing of further demographic imbalances via funded pension systems is mentioned.
Poleg prvega stebra z dokladnim sistemom zagotavljanja dohodkov za upokojence ima pomembno vlogo tudi drugi steber s poklicnimi pokojninami.
Besides first pillar pay-as-you-go income provision for pensioners, second pillar occupational pensions have a role to play.
Velik izziv je, da ti sistemi postanejo dostopni vsem, ne le nekaterim.
The big challenge is to make them accessible not just for the happy few.
Zlasti drugi steber sistemov z vnaprej določenimi pokojninami, ki temelji na solidarnosti, je treba dodatno razviti, ne pa mu nasprotovati in ga ogrožati z ureditvijo ali določbami, ki so usmerjene h kakovostno slabšim pokojninskim sistemom z določenimi prispevki, ki vsa naložbena tveganja prelagajo na posameznega udeleženca.
Particularly solidarity based 2 nd pillar DB systems should be developed further and not counteracted and endangered by regulations or provisions that tend to lead to qualitatively deteriorated (DC) systems that put all the investment risks on the individual participant.
Za bonitetni nadzor je treba posebno direktivo o dejavnostih in nadzoru institucij za poklicno pokojninsko zavarovanje ločevati od splošnega pristopa projekta Solventnost II.
For prudential supervision the specific IORP directive should be distinguished from the overall Solvency II approach.
Še eno pomembno vprašanje je dostop do osnovnih storitev.
Access to basic services is another major issue.
Bančni račun, dostop do bankomatov, plačilne kartice ali drugi varni plačilni sistemi, možnost opravljanja finančnih transferjev z nizkimi stroški, varčevanje denarja ali najemanje posojil so osnovne potrebe, ki morajo biti na voljo vsem državljanom.
A bank account, access to cash machines, card or other safe payment systems, the possibility to make financial transfers at low cost, to save or to borrow money, these are basic needs that should be available for every citizen.
Vendar to ni povsod mogoče.
This is not evident everywhere though.
Nizki prihodki, predhodna zadolženost, bivanje v napačni soseski ali celo napačno ime so razlogi, zaradi katerih veliko evropskih državljanov ne more biti bančna stranka in zato nima možnosti uporabe osnovnih bančnih storitev.
A low income, previous registration of indebtedness, living in the wrong neighbourhood or even having the wrong name, is denying large numbers of European citizens' acceptance as a bank client and excluding them from the use of basic financial services.
Komisijo se poziva, da izvede evropsko študijo o oceni dostopa do osnovnih finančnih storitev ter o tem, ali in v kakšnem obsegu je zaželeno in izvedljivo finančnim ustanovam naložiti obveznosti zagotavljanja univerzalnih storitev, da bi se zagotovile te osnovne storitve.
The Commission is asked to initiate a European study to assess the accessibility to basic financial services and to consider whether and in how far it is desirable and feasible to enforce universal service obligations on financial institutions to provide these basis services.
Četrti sklop priporočil je namenjen krepitvi finančne pismenosti in prispevka uporabnikov k oblikovanju politike.
A fourth set of recommendations is devoted to strengthening financial literacy and input of users in the policymaking process.
V finančnem okolju, v katerem se širijo novi in obsežnejši produkti ter pametne prodajne in tržne tehnike, ni dovolj le preprosta izjava, da so potrošniki v boljšem položaju zaradi večje izbire.
In a financial environment of proliferation of new and complex products and clever sales and marketing techniques, it is not enough to simply state that consumers are better off with more choice.
Razen tega so zahteve po preglednosti in zaščitni okviri ter tudi spodbujanje finančnega znanja in izobraževanja potrošnikov javna odgovornost.
Besides transparency requirements and protective frameworks, and also promotion of financial knowledge and education of consumers is a public responsibility.
OECD je leta 2005 priporočila, da se poveča prizadevanje za finančno izobraževanje in zmožnost.
The OECD recommended in 2005 to increase efforts for financial education and capability.
Nedavne študije kažejo neugodno sliko, iz katere je jasno, da so mlajše generacije na tem področju celo manj uspešne od starejših.
Recent studies show an uncomfortable picture, in which one of the striking evidences is that younger generations perform even worse than their parents.
Jasno je, da sta večja finančna zmožnost in izboljšano finančno izobraževanje prek posebnih programov in spletnih strani ter tudi kot sestavni del osnovnega šolskega izobraževanja nujna, čeprav ne smeta biti nadomestilo za preudarno zaščito in nadzor.
It is evident that increasing financial capability and improving financial education via specific programmes and websites, but also as an integral part of basic school education is a must, although it should not be seen as a replacement of prudent protection and supervision.
V primerjavi z velikim prispevkom ponudnikov finančnih storitev k pripravi zakonodaje in oblikovanju politike na evropski ravni, je vloga potrošnikov in uporabnikov, kot so mala in srednje velika podjetja, skoraj odsotna.
Compared to the huge input of financial service providers into the preparation of legislation and policymaking at European level, the voice of consumers and users such as SMEs is practically absent.
Leta 2004 je Komisija ustanovila forum FIN-USE, prek katerega 14 neodvisnih strokovnjakov kot posamezniki prispevajo k zadevam v zvezi s finančnimi trgi, ki jih obravnava GD za notranji trg in storitve.
In 2004 the Commission established FIN-USE, in which 14 independent experts provide input at an individual basis into the many financial markets dossiers that DG Market is working at.
Njegova pomembnost in učinkovitost bosta ocenjeni letos spomladi.
Its relevance and effectiveness will be evaluated this spring.
Poleg akademskega foruma je bila poleti 2006 ustanovljena skupina potrošnikov finančnih storitev, ki bo imela kot podskupina GD za zdravje in varstvo potrošnikov za dialog s potrošniki tesnejše odnose z organizacijami potrošnikov.
Besides this academic forum in summer 2006 a Financial Services Consumer Group was set up, which – as a subgroup of DG SANCO’s dialogue with consumers – intends to have stronger relations with the organisations of consumers.
Po naših izkušnjah v Evropskem parlamentu je prispevek potrošnikov in končnih uporabnikov pri lobiranju pri različnih zadevah FSAP veliko premajhen.
Our own experience in the EP shows that in lobbies on the different FSAP dossiers the input of consumers and end users is heavily underrepresented.
Poročevalka priporoča, da Komisija razmisli o spodbujanju in financiranju strokovnjakov, ki so jasno povezani z evropskimi organizacijami potrošnikov in uporabnikov produktov in storitev finančnega trga ali celo delajo zanje ter bodo lahko spremljali vse posvetovalne in regulativne dejavnosti na področju FSAP.
The rapporteur recommends the Commission to consider facilitating and financing experts clearly linked or even assigned to European organisations of consumers and users of financial market products and services that will be able to keep track with all the consultative and regulatory activities in the FSAP field.
V zvezi z institucionalnim področjem poročevalka ponovno opozarja na usmeritev, ki jo podpira Odbor za ekonomske in monetarne zadeve pri Evropskem parlamentu in se osredotoča na boljšo ureditev, ki bi se med drugim dosegla s temeljitimi ocenami učinkov in skladnim izvajanjem.
In the institutional sphere the rapporteur reiterates the line followed by the EP’s Economic and Monetary Affairs Committee focused on better regulation by a.o. thorough impact assessments and consistent implementation an enforcement.
Sporazum o komitologiji je potrjen in ponovno se zahteva zaposlitev opazovalcev Evropskega parlamenta v odborih na drugi stopnji.
The comitology agreement is endorsed and the demand for EP observers in the level 2 committees is repeated.
Velika pozornost je namenjena strukturi ureditve in nadzora.
Ample attention is devoted to the architecture of regulation and supervision.
Poročevalka opozarja, da sedanji razdrobljeni nadzorni okvir verjetno ne bo mogel slediti dinamiki finančnih trgov, zlasti pri pregledu obsežnih novih produktov ter njihovem vplivu in učinkih na makro ravni.
The rapporteur warns that the current fragmented supervisory framework may not be able to keep up pace with the dynamics of the financial markets, particularly in overseeing complex new products and their interactions and effects at macro level.
Medtem ko za sedanji sistem velja, da lahko zagotovi učinkovito izvajanje nadzora poslovanja v okviru nacionalnih tradicij in praks nadzora na kraju samem, poročevalka navaja argumente za sistem nadzora, ki temelji na sedanjih domačih strukturah in tradicijah nadzora in izvajanja ter vključuje tudi dobro usposobljen organ za izvajanje na evropski ravni z mandatom za nadzor velikih čezmejnih in medsektorskih finančnih konglomeratov glede bonitetnih in sistemskih tveganj.
While the present system can be considered to be able to secure efficient conduct of business supervision in the context of national traditions and practices of supervision on the spot , the rapporteur makes the case for a system of supervision based on the existing domestic structures and traditions of supervision and enforcement, that includes also a well equipped European level executive level with a mandate for prudential and systemic risk supervision of the large cross border and cross sector financial conglomerates.
Poročevalka pozdravlja dejavnosti skupne delovne skupine Sveta in ECB, ki pridobiva spoznanja na podlagi vaje za primer krize, ki je potekala aprila 2006, ter ustanovitev podskupine Odbora za finančne storitve, ki bo dolgoročno obravnavala težave pri nadzorni strukturi.
She welcomes the activities of the joint Council ECB working group that draws the lessons of the crisis exercise held in April 2006 and the setting up of a FSC subgroup that will be dealing with the problems in the supervisory architecture for the longer term.
Ponovno opozarja na predlog Evropskega parlamenta o ustanovitvi nove svetovalne skupine modrih oseb na visoki ravni ter spodbuja medinstitucionalno skupino za spremljanje, da pripravi dodatne smernice o prihodnosti postopka Lamfalussy.
The EP proposal for the establishment of a new High Level advisory group of wise persons is reiterated and the interinstitutional monitoring group (IIMG) is encouraged to draw some further lines on the future of the Lamfalussy procedure.
Jeseni bodo izdana različna poročila o oceni sedanjih razmer, ki bodo osnova za dodatne ukrepe glede regulativne in nadzorne strukture.
In the autumn there will be different reports to assess the state of affairs and to create the basis for further going steps in the regulatory and supervisory structure.
Za dodaten napredek in uspešnost FSAP je potrebna zanesljiva evropska nadzorna struktura s strokovnim osebjem, ki bo učinkovito nastopila proti približno 30 – ali z dodatnim združevanjem še manj – velikim akterjem na evropski ravni ter bo lahko tudi od zunaj okrepila evropski vpliv na svetovna pravila in njihovo izvajanje za akterje na evropskih trgih, ki imajo sedež zunaj Evropske unije.
Further progress and success of the FSAP requires a reliable professional well equipped European supervisory structure that is well matched against the 30-ish - or via further consolidation even less - big European level players an that also externally could reinforce European influence on the global rules and their enforcement on players acting on the European markets, but based outside the European Union.
o finančnih storitvah 2005–2010 - bela knjiga
on the White Paper on financial services 2005-2010
5. opozarja, da izbira primernega instrumenta, na primer direktive ali uredbe, ni nepristranska; zahteva, da se prične razpravo na podlagi dela medinstitucionalnega odbora za spremljanje;
Points out that the choice of appropriate instrument, i.e. a directive or regulation, is not neutral; calls for a debate to be launched on the basis of the work of the Inter-institutional Monitoring Group;
8. meni, da je v primeru, ko naknadna ocena razkrije, da je treba določena besedila, ki niso dala dobrih rezultatov, spremeniti ali razveljaviti v skladu z zakonodajnim postopkom.
Considers that in cases where ex-post evaluation reveals that certain texts have not produced good results, those texts should be amended or repealed under the legislative procedure.
Finančne storitve 2005–2010 - bela knjiga
White Paper on financial services 2005-2010
Finančne storitve (2005–2010) – Bela knjiga
Financial services policy (2005-2010) - White Paper
o možnostih za notranji trg s plinom in električno energijo
on Prospects for the internal gas and electricity market
(*) Okrepljeno sodelovanje med odbori - Člen 47 poslovnika
(*) Enhanced cooperation between committees - Rule 47 of the Rules of Procedures
MNENJE Odbora za ekonomske in monetarne zadeve (*) .............................18
OPINION of the Committee on Economic and Monetary Affairs (*) ......19
MNENJE Odbora za regionalni razvoj ..................................................................23
OPINION OF THE COMMITTEE ON REGIONAL DEVELOPMENT..................................24
(*) Okrepljeno sodelovanje med odbori – Člen 47 poslovnika
(*) Enhanced cooperation between committees - Rule 47 of the Rules of Procedure
– ob upoštevanju sporočila Komisije z naslovom Energetska politika za Evropo ( KOM(2007)0001 ),
– having regard to the Commission Communication – An Energy Policy for Europe ( COM(2007)0001 ),
– ob upoštevanju sporočila Komisije z naslovom Možnosti za notranji trg s plinom in električno energijo ( KOM(2006)0841 ),
– having regard to the Commission Communication – Prospects for the internal gas and electricity market ( COM(2006)0841 ),
– ob upoštevanju sporočila Komisije z naslovom Preiskava na podlagi člena 17 Uredbe (ES) št. 1/2003 v panogi plina in elektroenergetski panogi (končno poročilo) ( KOM(2006)0851 ),
– having regard to the Commission Communication – Inquiry pursuant to Article 17 of Regulation (EC) No 1/2003 into the European gas and electricity sectors ( COM(2006)0851 ),
– ob upoštevanju sporočila Komisije z naslovom Prednostni načrt medsebojnega povezovanja ( KOM(2006)0846 ),
– having regard to the Commission Communication – Priority Interconnection Plan ( COM(2006)0846 ),
– ob upoštevanju delovnega dokumenta osebja Komisije Poročilo o izvajanju ureditvenega okvira EU za električno energijo in plin: pregled po državah ( SEC(2006)1709 ), ki je spremni dokument k sporočilu Komisije ( KOM(2006)0841 ),
– having regard to the Commission staff working document – Implementation Report on the prospects for the internal gas and electricity market ( SEC(2006)1709 ) – Accompanying document to the Commission Communication ( COM(2006)0841 ),
– ob upoštevanju delovnega dokumenta osebja Komisije o podatkih o energetski politiki EU ( SEC(2007)0012 ),
– having regard to the Commission staff working document on EU energy policy data ( SEC(2007)0012 ),
– ob upoštevanju resolucije z dne 14. decembra 2006 o evropski strategiji za trajnostno, konkurenčno in varno energijo – Zelena knjiga
– having regard to its resolution of 14 December 2006 on a European strategy for sustainable, competitive and secure energy – Green paper
Sprejeta besedila, P6_TA(2006)0603 . ,
Texts Adopted, P6_TA(2006)0603 . ,
– ob upoštevanju Sklepa št. 1364/2006/ES Evropskega parlamenta in Sveta z dne 6. septembra 2006 o določitvi smernic za vseevropska energetska omrežja
– having regard to Decision No 1364/2006/EC of the European Parliament and of the Council of 6 September 2006 laying down guidelines for trans-European energy networks
UL L 262, 22.9.2006, str.
OJ L 262, 22.9.2006, p.
– ob upoštevanju stališča, sprejetega na drugi obravnavi 23. maja 2007, o skupnem stališču Sveta o Uredbi Evropskega parlamenta in Sveta, ki določa splošna pravila za dodelitev finančne pomoči Skupnosti na področju vseevropskih prometnih in energetskih omrežij
– having regard to its position adopted at second reading on 23 May 2007 on the Council Common position for adopting a regulation of the European Parliament and of the Council laying down general rules for the granting of Community financial aid in the field of the trans-European transport and energy networks
– ob upoštevanju Direktive 2005/89/ES Evropskega parlamenta in Sveta z dne 18. januarja 2006 o ukrepih za zagotavljanje zanesljivosti oskrbe z električno energijo in naložb v infrastrukturo
– having regard to Directive 2005/89/EC of the European Parliament and of the Council of 18 January 2006 concerning measures to safeguard security of electricity supply and infrastructure investment
UL L 33, 4.2.2006, str.
OJ L 33, 4.2.2006, p.
– ob upoštevanju Uredbe 1775/2005/ES Evropskega parlamenta in Sveta z dne 28. septembra 2005 o pogojih za dostop do plinskega prenosnega omrežja
– having regard to Regulation (EC) No 1775/2005 of the European Parliament and of the Council of 28 September 2005 on conditions for access to the natural gas transmission networks
UL L 289, 3.11.2005, str.
OJ L 289, 3.11.2005, p.
– ob upoštevanju Direktive Sveta 2004/67/ES z dne 26. aprila 2004 o ukrepih za zagotavljanje zanesljivosti oskrbe z zemeljskim plinom
– having regard to Council Directive 2004/67/EC of 26 April 2004 concerning measures to safeguard security of natural gas supply
UL L 127, 294.2004, str.
OJ L 127, 294.2004, p.
– ob upoštevanju Direktive 2003/54/ES Evropskega parlamenta in Sveta z dne 26. junija 2003 o skupnih pravilih za notranji trg z električno energijo
– having regard to Directive 2003/54/EC of the European Parliament and of the Council of 26 June 2003 concerning common rules for the internal market inelectricity
UL L 176, 15.7.2003, str.
OJ L 176, 15.7.2003, p.
– ob upoštevanju Direktive 2003/55/ES Evropskega parlamenta in Sveta z dne 26. junija 2003 o skupnih pravilih notranjega trga z zemeljskim plinom
– having regard to Directive 2003/55/EC of the European Parliament and of the Council of 26 June 2003 concerning common rules for the internal market in natural
– ob upoštevanju Uredbe (ES) št. 1228/2003 Evropskega parlamenta in Sveta z dne 26. junija 2003 o pogojih za dostop do omrežja za čezmejne izmenjave električne energije
– having regard to Regulation (EC) No 1228/2003 of the European Parliament and of the Council of 26 June 2003 on conditions for access to the network for cross-border exchanges in electricity
– ob upoštevanju Letnega poročila evropskih regulatorjev za energijo vsem članom Sveta evropskih energetskih regulatorjev (CEER) in Evropske skupine regulativnih organov na področju elektrike in plina (ERGEG), Evropskemu parlamentu, Svetu ministrov in Evropski komisiji za obdobje od 1. januarja 2006 do 31. decembra 2006, pripravljenega v skladu s členom 3(8) Odločbe Komisije z dne 11. novembra 2003 (2003/796/ES) o ustanovitvi Skupine evropskih regulatorjev za električno energijo in plin
– having regard to the Annual Report of the European Energy Regulators for the period 1 January 2006 to 31 December 2006 to all members of the CEER and the ERGEG, the European Parliament, the Council of Ministers and the European Commission, made under Article 3(8) of Commission Decision 2003/796/EC of 11 November 2003 on establishing the European Regulators Group for Electricity and Gas
6 UL L 296, 14.11.2003, str.
7 OJ L 296, 14.11.2003, p.
– ob upoštevanju sklepov predsedstva Evropskega sveta z dne 8. in 9. marca 2007 o potrditvi Akcijskega načrta Evropskega sveta (2007‑2009) ‑ energetska politika za Evropo (7224/07),
– having regard to the Presidency Conclusions of the European Council of 8-9 March 2007, concerning the European Council's endorsement of a "European Council Action Plan (2007-2009) – Energy Policy for Europe" (7224/07),
– ob upoštevanju poročila Odbora za industrijo, raziskave in energetiko ter mnenj Odbora za ekonomske in monetarne zadeve in Odbora za regionalni razvoj ( A6‑0249/2007 ),
– having regard to the report of the Committee on Industry, Research and Energy and the opinions of the Committee on Economic and Monetary Affairs and the Committee on Regional Development ( A6‑0249/2007 ),
A. ker mora biti nova evropska energetska politika za trajnostno, zanesljivo in konkurenčno energijo ambiciozna in mora težiti k dolgoročnim koristim, osredotočiti pa se mora zlasti na boj proti podnebnim spremembam, zmanjševanje zunanje ranljivosti EU zaradi uvoza in spodbujanje rasti in delovnih mest,
A. whereas the new European energy policy for sustainable, secure and competitive energy needs to be ambitious and aimed at long-term benefits, with the main focus on combating climate change, limiting the EU's external vulnerability to imports, and promoting growth and jobs,
B. ker je treba pravočasno vzpostaviti ustrezen zakonodajni okvir v skladu z načelom subsidiarnosti, da se dosežejo te ambiciozne in dolgoročne koristi,
B. whereas an adequate legislative framework in accordance with the principle of sudsidiarity has to be established in a timely manner in order to achieve these ambitious and long-term benefits,
C. ker sta dokončna vzpostavitev notranjega energetskega trga EU in oblikovanje učinkovitih solidarnostnih mehanizmov med državami članicami pogoja za zanesljivost oskrbe in gospodarske učinkovitosti,
C. whereas the completion of the EU internal energy market and the creation of effective solidarity mechanisms between Member States are prerequisites for guaranteeing security of supply and economic efficiency,