natgillin/translations-raw huggingface dataset:
Parlament je treba obveščati o rezultatih teh preiskav.
Ensure that Parliament is informed of the results of those investigations.
Ustreznemu nadzornemu organu je treba poveriti odgovornost za obvladovanje krize (vključno s pooblastili za zgodnje posredovanje) in odobritev načrta dela v posebnih razmerah vsake banke, kot sledi:
Attribute to the relevant supervisor the responsibility for crisis management (including powers of early intervention) and the approval of each bank’s contingency plan, as follows:
– • za čezmejne sistemske banke: Evropskemu bančnemu organu (EBA) v tesnem sodelovanju s kolegijem nacionalnih nadzornikov in skupinami za čezmejno stabilnost (kot je opredeljeno v memorandumu o soglasju, sprejetem 1. junija 2008);
– for cross-border systemic banks: the EBA, in close cooperation with the college of national supervisors and the cross-border stability groups (as defined in the Memorandum of Understanding of 1 June 2008);
– za vse druge čezmejne nesistemske banke: konsolidacijskemu nadzorniku v kolegiju (ki mora privoliti v vodstvo), v okviru usklajevanja EBA in v posvetovanju s skupinami za čezmejno stabilnost;
– for all other cross-border non-systemic banks: the consolidated supervisor within the college (under its agreed governance), under the coordination of the EBA and in consultation with the cross-border stability groups;
– za lokalne banke: lokalni nadzornik.
– for local banks: the local supervisor.
Sestaviti je treba skupna pravila za obvladovanje krize, vključno s skupnimi metodologijami, opredelitvami in terminologijo, ter ustrezna merila za teste izjemnih situacij v čezmejnih bankah.
Design a common set of rules for crisis management including common methodologies, definitions and terminology, and a set of relevant criteria for stress test for cross-border banks.
Zahteva za vsebino načrta mora biti sorazmerna z velikostjo banke, njenimi dejavnostmi in geografsko razširjenostjo.
The requirement for the content of those plans should be proportionate to the bank's size, activities and geographical spread.
Zagotoviti je treba redno posodabljanje načrtov za rešitev.
Ensure that those resolution plans are regularly updated.
Do decembra 2011 je treba sestaviti evropske nadzorne ocene za banke (prikaz tveganja) na podlagi skupnih kvantitativnih in kvalitativnih kazalnikov.
Design, before December 2011, a European supervisory rating for banks (Risk Dashboard) based on a common set of quantitative and qualitative indicators.
Kazalnike tveganja je treba oceniti glede na naravo, obseg in zapletenost obravnavane institucije, pri tem pa zagotoviti zaupnost.
The Risk Dashboard indicators should be evaluated according to the nature, scale and complexity of the institution in question while preserving confidentiality.
Kazalniki tveganja morajo zajemati vsaj naslednje:
The Risk Dashboard should comprise at least:
– neusklajenost ročnosti, obrestnih mer in valut;
– mismatch of maturity, interest rate and currency;
– likvidnost sredstev;
– liquidity of assets;
– velike izpostavljenosti in koncentracije tveganja;
– large exposures and risk concentrations;
– pričakovane izgube;
– expected losses;
– občutljivost na tržne cene, obresti in devizne tečaje;
– sensitivity to market prices, interest and exchange rates;
– dostop do financiranja;
– access to funding;
– izide testov izjemnih situacij;
– outcomes of stress tests;
– učinkovitost notranje kontrole;
– effectiveness of internal controls;
– kakovost upravljanja in vodenja podjetja;
– quality of management and corporate governance;
– zapletenost in nejasnost;
– complexity and opacity;
– pričakovana tveganja;
– risk outlook;
– skladnost z zakoni ali drugimi predpisi.
– compliance with law or regulatory requirements.
Nadzornike je treba pooblastiti za poseganje na podlagi pragov nadzornih ocen, v skladu z načelom sorazmernosti, in predvideti ustrezna obdobja, v katerih lahko institucije slabosti same odpravijo.
Empower supervisors to intervene on the basis of thresholds of the supervisory rating, in full accordance with the principle of proportionality, and provide for reasonable remedy periods for the institutions to address the weaknesses by themselves.
Nadzornikom je treba zagotoviti ustrezna zakonska orodja za posredovanje, in sicer s spremembo ustrezne sektorske zakonodaje ali uvedbo nove sektorske zakonodaje, z namenom:
Provide supervisors with appropriate legal tools for intervention by amending the relevant sectoral legislation or by introducing new sectoral legislation to:
– zahtevati prilagoditev kapitala (da bo presegal minimalne zakonske zahteve) ali likvidnosti in spremembe spleta dejavnosti in notranjih procesov;
– require adjustments of capital (above the minimum regulatory requirements) or liquidity and changes in the business mix and internal process;
– priporočiti ali zahtevati spremembe uprave;
– recommend or impose changes of management;
– zahtevati zadržanje dividend in omejitve za konsolidacijo kapitalskih zahtev; omejiti pogoje bančnih licenc;
– impose dividend retention and restrictions in order to consolidate capital requirements; limit the terms of banking licences;
– dovoliti nadzornikom, da sprožijo ločitev samostojnih modulov, tako uspešnih kot neuspešnih, od institucije, da bi zagotovili nadaljnje delovanje osnovnih funkcij;
– allow supervisors to trigger separation of stand-alone modules, whether failing or successful, from the institution to ensure core functions can continue to operate;
– naložiti celotno ali delno prodajo;
– impose a total or partial sale;
– prenesti sredstva in obveznosti na druge institucije, da bi zagotovili neprekinjenost sistemsko pomembnega poslovanja;
– transfer assets and liabilities to other institutions with the objective to ensure continuity of systemically important operations;
– ustanoviti premostitveno banko ali dobro/slabo banko;
– create a bridge bank or good bank/bad bank;
– zahtevati konverzijo dolga v lastniški delež ali drug konvertibilen kapital, odvisno od vrste institucije, z ustreznimi odbitki;
– require swaps of debt into equity, or other convertible capital, depending on the nature of the institution, with appropriate haircuts;
– prevzeti začasno javno upravo;
– take temporary public control;
– zahtevati začasen odlog (moratorij) za nekatere vrste zahtevkov do banke;
– impose a temporary suspension (moratorium)of certain types of claims against the bank;
– nadzorovati postopek prenosov sredstev znotraj skupine;
– control the process of intra-group asset transfers;
– imenovati posebnega upravitelja na ravni skupine;
– appoint a special administrator at group level;
– urejati postopek prenehanja;
– regulate winding-up;
– omogočiti EBA, da dovoli posredovanje sklada EU za finančno stabilnost, vključno z zagotavljanjem srednjeročnega kriznega financiranja, kapitalskih injekcij in jamstev;
– allow the EBA to authorise the intervention of the EU financial stability fund including for the provision of emergency medium-term funding, capital injections and guarantees;
– naložiti upravne in reševalne ukrepe za tiste institucije, ki uporabljajo sklad.
– impose administrative and reparation measures for those institutions using the Fund.
Vsi instrumenti iz točke 11 se uporabljajo v skladu s predpisi EU o konkurenci in z zagotavljanjem enake obravnave upnikov in vlagateljev v vseh državah članicah.
All the tools referred to in point 11 shall be applied in full compliance with the EU competition rules and ensuring equal treatment of creditors and depositors across the Member States.
Priporočilo 2 o čezmejnih sistemskih bankah
Recommendation 2 relating to c ross- b order s ystemic b anks
Evropski parlament meni, da se mora zakonodajni akt, ki bi naj bil sprejet, osredotočiti na ureditev naslednjega:
The European Parliament considers that the legislative act to be adopted should aim to regulate the following :
Za čezmejne sistemske banke je treba zaradi njihove posebne vloge na notranjem trgu finančnih storitev nujno sprejeti novo posebno ureditev, ki bo poznana kot pravo evropskih bančnih družb; pripraviti jo je treba do konca leta 2011.
Cross-border systemic banks, due to their special role in the internal market of financial services, need to be addressed urgently by way of a new special regime to be known as European Bank Company Law, to be designed by the end of 2011.
Predlaga se tudi bolj splošna ureditev za preostale čezmejne banke.
A more general regime for all the other cross-border banks shall also be proposed.
Za čezmejne banke se uporablja nova, izboljšana ureditev, ki bo premostila pravne ovire za učinkovito čezmejno ukrepanje in hkrati zagotovila jasno, enakopravno in predvidljivo obravnavo delničarjev, vlagateljev, upnikov, zaposlenih in drugih interesnih skupin, zlasti po prenosu sredstev znotraj skupine.
Cross-border systemic banks shall adhere to the new reinforced special regime; that regime shall overcome legal impediments to effective action across borders while ensuring the clear, equal and predictable treatment of shareholders, depositors, creditors, employees and other stakeholders, in particular after intra-group asset transfers.
To vključuje posebno „osemindvajseto“ ureditev za postopke insolventnosti za čezmejne sistemske banke, ki se lahko pozneje razširi še na vse čezmejne banke.
This shall include a special '28th' regime for in insolvency procedures for cross-border systemic banks, which may later be extended to all cross-border banks;
Komisija do aprila 2011 sprejme ukrep, ki bo določil merila za opredelitev čezmejnih sistemskih bank.
The Commission shall adopt a measure setting up, before April 2011, criteria for definition of cross-border systemic banks.
Na podlagi teh meril bo odbor nadzornikov redno in po posvetovanju z Evropskim odborom za sistemska tveganja opredeljeval takšne banke (člen 12b poročila Odbora za ekonomske in monetarne zadeve z dne 17. maja 2010 o predlogu uredbe Evropskega parlamenta in Sveta o ustanovitvi Evropskega bančnega organa (poročilo o EBA)).;
On the basis of such criteria; such banks will be identified on a regular basis by the board of supervisors, after consultation of the European Systemic Risk Board, (Article 12b of the Economic and Monetary Affairs Committee's report of 17 May 2010 on the proposal for a regulation of the European Parliament and of the Council establishing a European Banking Authority (the "EBA Report");
EBA bo nadziral vse čezmejne sistemske banke in bo ukrepal prek pristojnih nacionalnih organov (v skladu s poročilom o EBA).
For each of the cross-border systemic banks, the EBA shall exert supervision and act through the competent national authorities (in accordance with the EBA Report);
Komisija sprejme ukrep, s katerim predlaga mehanizem za prenos sredstev v čezmejnih sistemskih bankah, pri čemer upošteva potrebe po zaščiti pravic držav gostiteljic.
The Commission shall adopt a measure proposing a mechanism of asset transfers within Cross-Border Systemic Banks taking due regard of the need to protect the rights of host countries.
Sklad EU za finančno stabilnost in enota za reševanje podpirata posredovanje pod vodstvom EBA, povezano z obvladovanjem krize, reševanjem ali insolventnostjo čezmejnih sistemskih bank.
An EU financial stability fund and a resolution unit shall support interventions led by the EBA relating to crisis management, resolution or insolvency, as regards cross-border systemic banks.
Priporočilo 3 o skladu EU za finančno stabilnost
Recommendation 3 relating to a n EU f inancial s tability f und
Ustanovi se sklad EU za finančno stabilnost, za katerega bo pristojen EBA in iz katerega se bodo financirala posredovanja (sanacija ali redno prenehanje) za ohranjanje stabilnosti sistema in omejevanje širjenja negativnih vplivov propadlih bank.
An EU Financial Stability Fund (Fund) shall be created, under the responsibility of the EBA, to finance interventions (rehabilitation or orderly winding-up) aimed at preserving the system’s stability and limiting contagion from failing banks.
Komisija do aprila 2011 predloži Parlamentu predlog s podrobnostmi o ustanovni listini sklada, njegovi strukturi, upravljanju, velikosti in operativnem modelu ter natančen časovni načrt izvajanja (v skladu s točkama 2 in 3 spodaj).
The Commission shall present to Parliament, by April 2011, a proposal with details of the Fund’s charter, structure, governance, size, operating model as well as a precise calendar for implementation (in accordance with points 2 and 3 below).
Sklad bo:
The Fund shall be:
– predhodno financiran s strani čezmejnih sistemskih bank na podlagi proticikličnih meril, ki temeljijo na tveganju in upoštevajo sistemsko tveganje posameznih bank.
– funded ex-ante by the cross-border systemic banks on risk-based, countercyclical criteria and taking into account the systemic risk posed by an individual bank.
Banke, ki bodo prispevale v sklad, ne bodo obvezane prispevati v podobne sklade za stabilnost ali enot za reševanje v svojih državah;
Banks contributing to the Fund shall not be obliged to contribute to similar stability funds or resolution units in their own countries;
– ločen in neodvisen od sistemov zajamčenih vlog;
– separate and independent from deposit-guarantee schemes;
– primerno velik, da bo lahko podpiral začasna posredovanja (na primer posojila, nakupi sredstev, kapitalski vložki) in pokrival stroške postopkov za reševanje ali postopkov v primeru insolventnosti;
– adequately sized to support temporary interventions (such as loans, asset purchases and capital injections) and cover costs of resolution or insolvency procedures;
– nastajal postopoma, ob upoštevanju sedanjega gospodarskega okolja;
– gradually built, recognising the present economic environment.
­ zamišljen tako, da ne bo ustvarjal moralnega tveganja, in ne bo na voljo za reševanje delničarjev bank ali izplačevanje nagrad upravi za njen neuspeh.
­ designed in a way that does not create moral hazard, the Fund shall not be used to bail out bank shareholders nor to reward the management for its own failure;
Komisija bo obravnavala tudi:
The Commission shall also address:
– naložbene smernice za sredstva sklada (tveganje, likvidnost, usklajevanje s cilji EU);
– investment guidelines for the Fund’s assets (risk, liquidity, alignment with EU targets);
– merila za izbor upravljavca sredstev sklada (notranji ali prek zasebne ali javne tretje stranke, kot je na primer Evropska investicijska banka);
– selection criteria for the Fund's asset manager (internal or via a private or public third party such as the European Investment Bank);
– možnost, da bi bili prispevki upravičeni za vključitev v izračun predpisanih kapitalskih kazalnikov;
– the possibility of contributions qualifying for calculation of regulatory capital ratios;
– upravne ukrepe (kazni ali kompenzacijske sheme) za čezmejne sistemske banke, ki uporabljajo sredstva sklada;
– administrative measures (penalties or compensation schemes) for those cross-border systemic banks which make use of the Fund;
– pogoje za morebitno širitev področja uporabe sklada na druge čezmejne banke, poleg čezmejnih sistemskih bank;
– conditions for eventual expansion of the scope of the Fund to include all cross-border banks beyond cross-border systemic banks;
– obseg (in ustreznost) oblikovanja mreže nacionalnih skladov za vse institucije, ki ne sodelujejo v skladu.
– scope (and appropriateness) of the creation of a network of national funds to cater for all institutions that do not participate in the Fund.
Oblikovati je treba okvir EU, ki bo urejal obstoječe in prihodnje nacionalne sklade in ki bo upošteval enotna in zavezujoča skupna pravila.
An EU framework should then be established to regulate the existing and future national funds which will comply with a uniform and binding set of common rules.
Priporočilo 4 o enoti za reševanje
Recommendation 4 relating to a r esolution u nit
V okviru EBA se ustanovi neodvisna enota za reševanje, ki bo vodila postopke za reševanje čezmejnih sistemskih bank in postopke v primeru njihove insolventnosti.
An independent resolution unit shall be established within the EBA to lead the resolution and insolvency procedures for cross-border systemic banks.
Enota bo:
This unit shall:
– delovala v okviru strogih meja, ki jih določa pravni okvir in pristojnost EBA;
– operate within the strict boundaries defined by the legal framework and the EBA’s competencies;
– sestavljena iz pravnih in finančnih strokovnjakov, posebej usposobljenih za prestrukturiranje, preobrat in likvidacijo bank;
– comprise a pool of legal and financial expertise specially skilled in bank restructurings, turnarounds and liquidation;
– tesno sodelovala z nacionalnimi organi pri izvajanju, tehnični pomoči in izmenjavi osebja;
– cooperate closely with national authorities on implementation, technical assistance and sharing of staff;
– predlagala dodelitev sredstev iz sklada;
– propose disbursements from the Fund;
– če bo potrebno reševanje ali prenehanje poslovanja čezmejnih institucij, bodo neodvisni strokovnjaki, ki jih imenuje Evropski bančni organ, opravili temeljito preiskavo, da bi osvetlili, za katere vzroke in čigavo odgovornost gre.
– where the need for a resolution or winding-up of a cross-border institution arises, an in-depth investigation should be carried out by independent experts appointed by the EBA in order to analyse and highlight the causes and responsibilities involved.
Parlament je treba obveščati o rezultatih teh preiskav.
Parliament should be informed of the results of the investigations.
Zaradi nedavne hude finančne krize je bilo doseženo široko soglasje med interesnimi skupinami in v političnem spektru, da so nujno potrebni ukrepi za vzdržnost in stabilnost finančnega sistema.
The recent and severe financial crisis created a broad consensus across stakeholders and the political spectrum that action is urgently required to ensure the sustainability and stability of the financial system.
Preprečevanje propadov in omejevanje širjenja negativnih vplivov v finančnem sistemu zahteva stroške v obsegu, kot ga še ni bilo.
Preventing the collapse and containing contagion of the financial system involved costs of an unprecedented magnitude.
Negativni stranski učinki so segali od skorajšnje zamrznitve finančnih trgov do krčenja kreditnih trgov, paralize poslovanja, velikega povečanja brezposelnosti in zmanjšanja davčnih prihodkov.
Negative side effects ranged from the almost freezing of financial markets leading to shrinking of the credit markets, paralysis of businesses, a sharp increase of unemployment and reduction of tax revenues.
Ta obsežna dodelitev sredstev je bila preusmerjena od ključnih področij razvoja (izobraževanja, inovacij, raziskav, alternativnih energij itd.).
This massive allocation of resources was diverted key areas of development (from education, to innovation, research, alternative energies, etc.).
Ne glede na to, kako visok bo končni račun, je jasno, da je preveč obremenila davkoplačevalce, evropsko rast in delovna mesta ter precej zmanjšala hitrost, s katero Evropa gradi prihodnost.
Whatever the final total bill is at the end, it is clear that it weighted too much on taxpayers, European growth and jobs, and represented a huge setback in the pace at which Europe is building its future.
Instrumenti za posredovanje, ki jih uporabljajo vlade, centralne banke in regulativni organi v Evropi, so zelo različni, od manj vsiljivih regulativnih ukrepov (začasna sprostitev kapitalskih ali likvidnostnih zahtev) do kapitalskih vložkov, zagotavljanja likvidnosti, jamstva za slabo aktivo, posojil, pogajanj o prodaji drugim institucijam ali prevzema državnega lastništva.
Intervention tools used by governments, central banks and regulators across Europe varied widely ranging from less intrusive regulatory actions (temporary relaxation of capital or liquidity requirements) to capital injections, liquidity provision, guaranteeing toxic assets, loans, negotiating sale to other institutions or taking public ownership.
Pogosto so bile cilj posredovanja čezmejne institucije ali banke z velikimi mednarodnimi transakcijami (zato so tudi vplivale na banke ali druge stranke v drugih jurisdikcijah).
Very often the interventions targeted cross border institutions or banks with material international transactions (therefore with an impact on banks or other clients in other jurisdictions).
Te instrumente so lokalni organi uporabljali ob le skromnem mednarodnem usklajevanju, kar je sprožalo številne težave, na primer:
These tools were used by the local authorities with little international alignment raising numerous issues, such as:
Northern Rock, Lloyds, RBS, Fortis itd.);
· challenges by shareholders (i.e. Northern Rock, Lloyds, RBS, Fortis, etc.);
· hude zamude (zaradi nasprotovanj delničarjev) nekaterih ključnih transakcij, kot na primer prevzem Fortis Belgium in Luxembourg s strani BNPParibas;
· severe delays (caused by challenges from shareholders) of some key transactions like the acquisition of Fortis Belgium and Luxembourg by BNPParibas;
· nejasnost glede pravnih okvirov in pravic delničarjev;
· confusion about legal frameworks and rights of stakeholders;
· protekcionistične ukrepe.
· protectionist measures.
Skratka, različni pristopi, metode in instrumenti, ki so se uporabljali v Evropi in ZDA na ne dovolj usklajen način (v zadnjem trenutku), so povzročili velike težave glede:
In sum, the variety of approaches, methods and tools used across Europe and the US, in a vaguely coordinated (at the last minute) manner, raised serious concerns as to the:
· učinkovitosti celotnega delovanja;
· effectiveness of the overall exercise;
· pravne negotovosti;
· legal uncertainty;
· enakih konkurenčnih pogojev in izkrivljanja konkurence.
· level playing field and distortion of competition.
Tveganje se hitro seli med sektorji zaradi tesnih povezav med bančništvom, zavarovalništvom, upravljanjem premoženja itd. ter upravičuje okvir za obvladovanje krize, ki bo obsegal več kot le bančništvo.
Risk travels fast across sectors due to close links between banking, insurance, asset management, etc. warranting an enlarged crisis management framework beyond the banking sector.
Vendar nas realizem sili, da se najprej osredotočimo na banke in ne izključimo prihodnje širitve obsega.
However realism forces us to start by focusing on banks, without precluding a future extension of the scope.
Medtem ko današnji svetovni trgi zahtevajo svetovne rešitve, kar zahteva mednarodno usklajevanje predpisov in postopkov, pa se EU ne bi smela ustrašiti vodilne vloge in bi se morala dejavno udeležiti izdelave finančnega sistema prihodnosti.
While today’s global markets require global solutions, therefore calling on international alignment of regulations and procedures, the EU should not shy away from showing leadership and have an active participation in tailoring the financial system of the future.
Predloženi predlogi vsebujejo številne prispevke evropskih akademskih, zasebnih in javnih interesnih skupin, mednarodnih institucij, kot je G20, odbora za finančno stabilnost in MDS ter praktične izkušnje, pridobljene v krizi.
The proposals being put forward build upon multiple contributions from European academic, private and public stakeholders, international institutions such as the G20, Financial Stability Board and the IMF and the practical lessons learned from the crisis.
Tudi rešitve, kot je bila zvezna agencija za zavarovanje hranilnih vlog (Federal Deposit Insurance Corporation) v ZDA, so bile posebej navdihujoče.
Solutions such as the Federal Deposit Insurance Corporation in the US were also particularly inspiring.
Trenutno obstaja mešanica nacionalnih okvirov, ki niso vedno medsebojno združljivi.
Presently there is patchwork of national frameworks, not always compatible between themselves.
Težko je hitro in učinkovito ukrepati pri čezmejnih skupinah, ki delujejo v več jurisdikcijah.
It is difficult to deal swiftly and efficiently with cross-border groups involving several jurisdictions.
Trden in zdrav enoten evropski finančni trg zahteva skladnost in kohezijo regulacije v vseh 27 članicah.
A robust and sound European single financial market requires coherence and cohesiveness of regulations across the 27 members.
Samo tako bo lahko Evropa predstavljala odličnost na področju mednarodnih financ.
With that Europe can be the place of excellence for international finance.