natgillin/translations-raw huggingface dataset:
Pripravljeni in voljni morajo biti, da uporabljajo svoje znanje in veščine.
They must be ready and willing to use their knowledge and skills.
To je vprašanje načina razmišljanja.
This is largely a question of attitude.
Finančna sposobnost je več kot smo poznati pravilen potek dejavnosti.
Financial capability means more than simply knowing the right course of action.
Ljudje z istim znanjem lahko izberejo različen potek dejavnosti, ker imajo različen način razmišljanja glede porabe in naložb.
People with the same knowledge may choose different courses of action because they have different attitudes towards spending and investing.
Tudi kadar ljudje razpolagajo z znanjem in veščinami še vedno lahko sprejmejo odločitve, ki v makroekonomskem pogledu niso odgovorne.
Even when people have the knowledge and skills they still may make decisions that are not responsible in macroeconomic terms.
III Težave zaradi pomanjkanja finančne sposobnosti
III Problems due to lack of financial capability
Potrošniki, ki imajo malo finančnega znanja, težko izberejo proizvode in storitve, ki so najbolj ustrezni za njihove potrebe.
It is difficult for consumers with low financial knowledge to choose the products and services that are most suitable to their needs.
Težko ocenijo dan nasvet, lahko so zavedeni in žrtev nepoštenih prodajnih praks.
It is hard evaluate given advice and they may be misled and victim to unfair selling practices.
Obstaja splošno nerazumevanje finančnih proizvodov, zlasti če so bolj zapleteni.
There is a general misunderstanding of financial products, especially if they are more complicated.
Ta težava ima dva možna izida – ljudje se ne zapletajo v finančne zadeve (finančna izključenost) ali pa se zapletajo, vendar ne izberejo pravilnega proizvoda in ne iščejo v zadostni meri, da bi našli proizvod, ki bi najbolje zadovoljil njihove potrebe, ker potrošniki težko primerjajo proizvode.
This problem has two possible outcomes - people do not get involved in financial matters (financial exclusion) or people get involved but they might not choose the right product and also they might not shop around enough to find the product that satisfies their needs best, because customers find it hard to compare the products.
Različne študije kažejo, da se potrošnik enostavno odloči in zbere proizvode z najnižjo ceno, ali pa izbere proizvode, ki jih ponujajo velike družbe, saj se jim zdijo bolj zanesljivi.
Different studies show that the customer decides either simply to choose the lowest-priced products, or to choose products offered by big companies because they are seen as more reliable.
Druga težava je v tem, da ljudje ne spremljajo proizvodov po tem, ko so jih nabavili, tako da se ne morejo usmeriti na ugodnejše ponudbe.
Another problem is that people don't monitor products after they have purchased them, so that they could switch to more favourable offers.
V skladu s študijo, ki jo je izvedel organ za finančne storitve, so stopnje zbiranja informacij glede finančnih proizvodov zelo nizke v Združenem kraljestvu, v nasprotju z obnašanjem potrošnikov, kadar kupujejo obleke ali mobilne telefone.
According to a study carried out by FSA (Financial Services Authority) levels of shopping around for financial products are very low in the UK, in contrast to customers' behaviour when buying clothing or mobile phones.
Druga težava je v tem, da potrošniki ne vedo, na koga bi se obrnili.
Another problem is that customers don't know whom to turn to.
Ankete so pokazale, da se ljudje, ki potrebujejo nasvet, najprej obrnejo na družino in prijatelje.
Surveys show that when people want advice they turn first to their family and friends.
Razlog za to je prepričanje, da jim bodo družinski člani dali verodostojen nasvet.
The motive behind is that people believe that family members will give them a credible advice.
Na drugi strani pa dejstvo, da vpraša za nasvet banko, potrošnika postavi pod pritisk, da mora kupiti finančne proizvode.
On the other hand, asking for an advice from a bank may lead to a pressure to buy financial products.
Potrošnikom je treba ponuditi neodvisni nasvet, tako da se najbolje zadovolji njihove interese.
Consumers should be provided with independent advice so that their interests are served best.
Vendar pa si lahko le malo potrošnikov privošči storitve osebnega finančnega svetovalca.
However few consumers can afford the services of personal financial advisers.
Pomanjkanje vnaprejšnjega načrtovanja je tudi posledica pomanjkanja finančne pismenosti in sposobnosti.
Failing to plan ahead is also a consequence of the lack of financial literacy and capability.
Ljudje se morajo zavedati, da se mora načrtovanje za njihovo upokojitev začeti že v zgodnjih delovnih letih.
People should realise that planning for their retirement should start during their early working years.
In končno, današnji potrošniki so stalno pod pritiskom in v skušnjavi, da si sposodijo denar prek oglasov.
And finally, nowadays customers are constantly put under pressure and tempted to borrow money via advertising.
Če ne razumejo posledic jemanja posojil in zlasti dejstva, da jih niso zmožni odplačevati, ima to lahko negativne posledice na njihovo blaginjo in tudi na družbo kot celoto.
If they do not understand the consequences of taking credit and especially of not being able to repay it, this can have negative effects on their well-being but also on society as a whole.
VI Dvigovanje osveščenosti
VI Raising awareness
Čeprav ankete kažejo, da obstaja splošno pomanjkanje finančne sposobnosti med evropskimi potrošniki, pa se ljudje tega ne zavedajo, oziroma tega dejstva ne želijo priznati.
Although surveys show that there is a general lack of financial capability among European consumers, people may not realise or admit this fact.
Moramo dvigniti osveščenost potrošnikov glede tega, kako dobro razumejo finančne zadeve, da se jim pomaga, da se zavejo potrebe po finančnem izobraževanju in neodvisnem strokovnem nasvetu.
We need to raise awareness of consumers as to how well they understand financial matters, to help them realise the need for financial education and independent expert advice.
Istočasno se mora potrošnik zavedati posledic svojih dejanj in pogodbenih sporazumov, ki jih sklepa, na primer katere so posledice neplačevanja obrokov ali možnost predčasnega odplačila.
At the same time consumers should be aware of the consequences of their actions and contractual agreements in which they enter, for example what are the consequences if they don't pay the instalments or in case of early repayment.
To osveščanje jim bo omogočilo sprejemanje premišljenih in odgovornih odločitev.
This awareness will allow them to take informed and responsible decisions.
Potrebujemo informacijsko kampanjo, ki bi okrepila javni interes glede finančne sposobnosti.
There is a need for an information campaign aimed at increasing public interest in financial capability.
Treba je razviti tudi potrošnikovo spretnost, da oceni lastno finančno sposobnost.
Also consumers’ ability to evaluate their own financial capabilities should be developed.
Treba je vplivati na način razmišljanja potrošnikov glede finančnega izobraževanja.
Attitudes of consumers towards financial education should be influenced.
Četudi so na razpolago kakovostno finančno izobraževanje in strokovno svetovanje, se ljudje še vedno odločijo, da tega ne potrebujejo.
Even if quality financial education schemes and expert counselling is available people may still decide that they don't need it.
V Finančno izobraževanje in finančne informacije – diferenciran pristop
V Financial education and financial information - differentiated approach
Finančna sposobnost potrošnika se razvija v teku življenja posameznika.
Consumers' financial capability is evolving in the course of life of an individual.
Odvisna je od položaja potrošnika v življenjskem ciklu kot tudi od stopnje izobrazbe, prihodka itd.
It depends on consumers’ position in the life cycle as well as their level of education, income, etc.
Finančno znanje in razumevanje, veščine in sposobnosti ter odgovornost so brez pomena, če jih potrošnik ne zna uporabljati v praksi.
Financial knowledge and understanding, skills and competence, and responsibility are useless if consumers can't use them in practice.
Zato mora biti finančno izobraževanje, zlasti za starejše potrošnike, praktično in ne zgolj teoretično.
Therefore, financial education should be practical and not purely theoretical, especially for older consumers.
Sheme finančnega izobraževanja morajo upoštevati potrebe potrošnikov.
Financial education schemes must take into account the needs of consumers.
Njihove potrebe so odvisne od starosti, stopnje prihodka, materialnega položaja, izobrazbe, načina razmišljanja, interesov, sektorja, v katerem delajo, itd.
Their needs depend on age, level of income, marital status, education, attitudes, personal interests, sector they are working in, etc.
– morajo biti ciljno usmerjene,
- should be targeted,
– morajo upoštevati različne potrebe in interese različne vrste potrošnikov in morajo biti na razpolago v njihovem jeziku – informacije za potrošnike morajo biti konkretne in lahko razumljive,
- have to consider the different needs and interests of a diverse range of consumers and should be provided in their own language - the information for consumers should be concrete and easy to understand,
– se morajo nanašati na široko vrsto potrošnikov – otroci, mladostniki, odrasli, ljudje tik pred upokojitvijo, upokojenci – in morajo biti vključene v formalni izobraževalni sistem, in kasneje morajo razviti specifične programe finančnega usposabljanja, ki bi bili namenjeni nekaterim socialnim in gospodarskim skupinam,
- should apply to a wide range of consumers - children, young adults, adults, people near retirement, pensioners - it should be included in the formal education system and afterwards specific financial training programmes aimed at certain social and economic groups should be developed,
– morajo upoštevati tudi zmožnost potrošnikov, da se pritožijo in uporabijo pravna sredstva.
- should also take into account the ability of customers to complain and to seek redress.
Druga pomembna točka je ta, da so informacije za potrošnika potreben, vendar ne zadosten pogoj za sprejemanje uspešnih odločitev.
Another important point is that consumer information is a necessary but not sufficient condition for making efficient decisions.
Povečanje informacij, ki so na razpolago potrošnikom, pogosto ne vodi samodejno v povečanje informacij, ki jih imajo v lasti.
An increase in the information available to consumers often not automatically results in an increase in the information possessed by them.
Potrošniki potrebujejo informacije, vendar morajo biti sposobni razumeti te informacije in jih primerjati.
Consumers need information but they also need to be able to understand this information and to compare it.
Pogosto so potrošniki obremenjeni s preveliko količino informacij, ki jih ne morejo preučiti.
Often consumers are burdened with too much information and they have problems filtering it.
To lahko zmanjša njihovo raven razumevanja in omeji njihovo sposobnost sprejemanja odločitev.
This may decrease their level of understanding and limit their decision-making capability.
Informacij se ne sme zamenjevati z izobraževanjem in nasvetom.
Information must not be confused with education and advice.
Ponavadi imajo potrošniki z nižjim dohodkom manjši dostop do informacij, saj finančnih proizvodov ne uporabljajo redno.
Usually consumers with less income have less access to information because they don't use financial products regularly.
Številni potrošniki, ampak ne tisti z nizkim prihodkom, uporabljajo storitve neodvisnega finančnega svetovalca.
Services of independent financial advisers are used by many customers but not those with low incomes.
Posebno pozornost je treba nameniti dostopu do neodvisnih in kakovostnih nasvetov za potrošnike z nizkim dohodkom.
Special attention should be given to access to independent and quality advice for low income consumers .
VI Oblikovanje in izvajanje shem finančnega izobraževanja
VI Elaboration and implementation of financial education schemes
Vsi akterji bi morali biti vključeni v postopek finančnega izobraževanja – država, nevladne organizacije, potrošniške organizacije in finančne institucije.
All actors should be involved in the process of financial education - the state, NGOs, consumer organisations and financial institutions.
Potrebuje se jasna delitev pristojnosti.
A clear division of responsibilities is needed.
Finančne institucije imajo strokovno znanje za oblikovanje konkretnih in praktičnih shem izobraževanja, ampak ne morejo biti edini ponudniki finančnega izobraževanja in nasvetov.
Financial institutions have the expertise knowledge to elaborate concrete and practical education schemes but cannot be the only provider of financial education and advice.
Drugi verodostojni ponudniki finančnega izobraževanja so neodvisne institucije kot potrošniške organizacije in država.
Other credible providers of financial education are independent institutions like the consumer organisations and the state.
Najboljša rešitev je ta, da finančno izobraževanje izvajajo skupaj finančne institucije in potrošnike organizacije tako, da se zaščitijo pravice in interesi potrošnikov in se teh ne sili v nakup finančnih proizvodov.
The best solution is that financial education is carried out jointly by financial institutions and consumer organisations so that consumer rights and interests are protected and no pressure is exerted on consumers to buy financial products.
VII Finančno izobraževanje na ravni EU
VII Financial education at EU level
Različne institucije in organizacije ponujajo finančno izobraževanje – organi za finančni nadzor, finančne institucije, agencije za dvigovanje pismenosti odraslih, potrošniške organizacije itd.
Financial education is provided by different institutions and organizations – financial surveillance authorities, financial institutions, agencies for increasing the literacy of adults, consumer organisations etc.
Nacionalne oblasti so glavna vodilna sila finančnega izobraževanja v 11 državah članicah.
National authorities in 11 Member States are the main drivers of financial education.
Glavni predmet je teorija denarja in uporaba bančnega računa.
The main subject is money theory and the use of a bank account.
Programi finančnega izobraževanja vključujejo tudi upravljanje kreditov in posojil ter zajemajo vprašanja kot so naložbe, varčevanje, zavarovanje in analiza tveganja.
Financial education programs also include management of credits and loans and cover issues like investments, savings, insurance and risk management.
Na področju finančnega izobraževanja se je Komisija lotila naslednjih pobud:
In the field of financial education the Commission has undertaken the following initiatives:
· Komisija je vzpostavila spletno stran Dolceta, ki ponuja izobraževanje odraslim potrošnikom – stran je prevedena v vse uradne jezike EU (razen v romunščino in bolgarščino) in je prilagojena potrebam nacionalnih trgov,
· The Commission has set up a website, Dolceta, offering consumer education to adults – the site is translated into all official languages of the EU (except for Romanian and Bulgarian) and is adapted to the needs of national markets
· Komisija se je odločila, da bo sistem Dolceta razširila na osnovnošolsko in srednješolsko izobraževanje – ta novi projekt je namenjen mladim in učiteljem.
· The Commission has decided to extend Dolceta to primary and secondary education - this new project is directed at young people and teachers.
Namen je pomagati učiteljem, da v učne ure vključijo finančne zadeve in ocenjujejo znanje študentov o teh vsebinah.
The objective is to help educators to incorporate financial matters into their classes and evaluate students on these topics.
· „ Evropski dnevnik “ – brošura, ki se razdeljuje srednješolcem, da jih obvešča o pravicah potrošnikov.
· " Europe Diary" – a booklet distributed to second-level students to inform them of their rights as consumers.
Vsebuje del o denarju in dolgu, v katerem je razloženo, kako delujejo finančne institucije in proizvodi, ter opozarja na nevarnost prekomernega sposojanja denarja.
It includes a section on money and debt, which explains how financial institutions and products work, and gives a warning on the dangers of excessive borrowing.
· Marca 2007 je Komisija organizirala konferenco o „večanju finančne sposobnosti“, da bi poudarila pomembnost omogočanja visokokakovostnega finančnega izobraževanja in ustanovila forum za izmenjavo najboljših praks.
· In March 2007, the Commission organized a Conference on “Increasing Financial Capability” to highlight the importance of high-quality financial education provision and provide a forum for the exchange of best practices.
· V zeleni knjigi o maloprodajnih finančnih storitvah je zapisano, da je za spodbujanje finančnega izobraževanja mogoče narediti še več.
· Green Paper on Retail Financial Services suggested that more could be done to encourage financial education
· Sporočilo Komisije o finančnem izobraževanju (KOM (2007) 226)
· Commission Communication on Financial Education (COM(2007)226)
VIII Ukrepi
VIII Measures
– Države članice morajo igrati ključno vlogo v finančnem izobraževanju.
- Member States should play a central role in financial education.
Vendar pa mora biti osnovni program na področju finančnega izobraževanja razvit na ravni EU.
However a basic program in the area of financial education should be developed at EU level.
Program mora oblikovati skupna pravila in načela, ki se uporabljajo v vseh državah članicah.
This program must create common rules and principles applied in all Member States.
– Najboljši način za izboljšanje finančne sposobnosti ljudi je vključevanje predmetov, ki zajemajo finančna vprašanja, v šolske učne načrte.
- The best way to improve people's financial capability is to incorporate a subject covering financial matters in the school curriculum.
Za doseganje dobrih rezultatov bi se moralo finančno izobraževanje začeti v šoli in bi moralo biti obvezno.
In order to achieve best results financial education should start at school and be obligatory.
Komisija bi morala priporočiti državam članicam, da vključijo finančno izobraževanje v nacionalne šolske učne načrte.
The Commission should recommend Member States to include financial education in their national school curriculum.
– Obstajati bi moral poseben pristop za izboljšanje finančne pismenosti različnih družbenih skupin – otrok v osnovnih in srednjih šolah, študentov na univerzah, odraslih, ljudi z nizkim dohodkom in upokojencev.
- There should be a special approach for improving the financial literacy of various society groups – children in elementary and secondary schools, students in universities, adults, people with low incomes and pensioners.
– Države članice bi morale oblikovati omrežja za finančno izobraževanje, v katerih bi sodeloval vladni in nevladni sektor kot tudi posebno usposobljeni učitelji.
- Member States should establish a network for financial education in which both government and non-government sector, as well as specially trained tutors take part.
– Komisija bi morala spodbujati države članice, da oblikujejo finančno izobraževanje, ki bi bilo specifično namenjeno potrošnikom, ki so na koncu svoje poklicne kariere, oziroma že upokojeni.
- The Commission should encourage Member States to establish financial education specifically designed for consumers at the end of their professional career or already pensioners.
To je pomembno, saj so današnji sistemi socialne varnosti zastavljeni tako, da tveganja nosijo državljani in ne več država.
This is important because nowadays social security systems are set in such a way that the risks are borne by the citizens and no longer by the state.
– Komisija bi morala oblikovati proračunsko vrstico za programe finančnega izobraževanja na ravni EU.
- The Commission should create a budget line for financial education programs at EU level.
Denar mora biti na razpolago za medijske kampanje in za dvigovanje osveščenosti potrošnikov glede težav, ki jih povzroča nizka stopnja finančne pismenosti.
Money must be set aside for media campaigns, increasing consumer awareness on problems caused by a low level of financial literacy.
o varstvu potrošnikov: izboljšanje izobrazbe in obveščanja potrošnikov na področju financ in kredita
on Protecting the consumer: improving consumer education and awareness on credit and finance
(*) Pridruženi odbori - člen 47 poslovnika
(*) Associated committee – Rule 47 of the Rules of Procedure
Odbor za ekonomske in monetarne zadeve poziva Odbor za ekonomske in monetarne zadeve, kot pristojni odbor, naj v svoj predlog resolucije vključi naslednje pobude:
The Committee on Economic and Monetary Affairs calls on the Committee on the Internal Market and Consumer Protection, as the committee responsible, to incorporate the following suggestions in its motion for a resolution:
2. ugotavlja, da je kriza tveganih hipotekarnih posojil ponazoritev nevarnosti neustrezne informiranosti posojilojemalcev in prav tako nezadostnega razumevanja in poznavanja teh informacij glede njihovih tveganj za nesolventnost in prezadolženost;
Notes that the ‘sub-prime mortgage’ crisis illustrates not only the dangers of inadequate information for borrowers but also the lack of understanding and knowledge of such information leading to consumers being insufficiently concerned about the risks of insolvency and excessive debt;
66. , poziva Komisijo, da na skladen način pripravi namenske zakonodajne predloge za usklajen sistem informiranja in varstva potrošnikov še posebej pri hipotekarnih posojilih (na primer usklajen, preprost in primerljiv Evropski standardizirani informacijski list z enotnimi navedbami letne obrestne mere itd.);
66. ; calls on the Commission to put forward, in a coherent manner specific legislative proposals for a harmonised system of consumer information and protection in particular in the framework of mortgage credit (such as a harmonised, simple and comparable European standardised information sheet including common indications on the annual percentage rate charged, etc.);
5. meni, da je treba na področju financ v gospodinjstvu in glede osveščenosti pri posojilih usposobiti socialne delavce, ki so v stiku z družinami, pri katerih obstaja tveganje za prezadolženost ali finančno izključenost, da bi jim lahko ustrezno svetovali in jih opozarjali na tveganja; poziva k oblikovanju posebnih programov tako za mlade, da se jih kot prihodnje potrošnike pouči o proizvodih bančnega sistema, kot za osebe, ki prihajajo v EU, za izboljšanje njihove ozaveščenosti o evropskih finančnih praksah, ter za upokojence, da bodo iskali boljše, cenejše in primernejše proizvode in storitve;
Believes that training in household finance and in credit awareness should be given to social workers in contact with families at risk of excessive debt or financial exclusion in order to be able to provide them with useful advice and warn them of the risks; calls for the development of specific programmes for young people aimed at instructing them, as future consumers, regarding the products of the banking system, for those arriving in the European Union in order to reinforce their awareness of European financial practices, and for retired people, with the view to enabling them to seek better, cheaper and more appropriate products and services;
o predlogu Uredbe Evropskega parlamenta in Sveta o spremembi Uredbe (ES) št. 1073/1999 z dne 25. maja 1999 o preiskavah, ki jih izvaja Evropski urad za boj proti goljufijam (OLAF)
on the proposal for a regulation of the European Parliament and of the Council amending Regulation (EC) No 1073/1999 concerning investigations conducted by the European Anti-Fraud Office (OLAF)
MNENJE Odbora za pravne zadeve ...........................................................................64
OPINION OF THE COMMITTEE ON LEGAL AFFAIRS......................................................71
– ob upoštevanju predloga Komisije Evropskemu parlamentu in Svetu ( KOM(2006)0244 ),
– having regard to the Commission proposal to the European Parliament and the Council ( COM(2006)0244 ),