natgillin/translations-raw huggingface dataset:
Organi, ki sodelujejo pri nadzoru zavarovalnic in pozavarovalnic, ki pripadajo isti skupini, morajo vzpostaviti načine usklajevanja.
The authorities involved in the supervision of insurance and reinsurance undertakings belonging to the same group should establish coordination arrangements .
Organi, ki sodelujejo pri nadzoru zavarovalnic in pozavarovalnic, ki pripadajo isti skupini, bi morali vzpostaviti kolegije nadzornikov kot mehanizem usklajevanja.
The authorities involved in the supervision of insurance and reinsurance undertakings belonging to the same group should establish colleges of supervisors as their coordination mechanism .
Da bi okrepili vključenost vseh nadzornih organov v nadzor čezmejnih zavarovalniških skupin, je treba ustanoviti kolegije nadzornikov.
To enhance the involvement of all supervisory authorities in the supervision of cross-border insurance groups, colleges of supervisors need to be set up.
Ti bodo zagotavljali stalno, vendar prožno strukturo za sodelovanje in usklajevanje.
These provide for a permanent, but flexible, structure for cooperation and coordination.
Kolegiji bi se redno srečevali z namenom, da bi poenostavili izmenjavo informacij, nadzornikom omogočili, da bi razvili skupno razumevanje profila tveganja skupin, dosegli usklajenost in uskladili odločitve, ki jih sprejmejo posamezni organi.
They meet regularly, with the objectives to facilitate the exchange of information, enable supervisors to develop a common understanding of the risk profile of the groups, achieve coordination and to coordinate decisions taken by individual authorities.
Uvodna izjava 75
Recital 75
(75) Nadzorni organi morajo imeti dostop do vseh informacij, ki so pomembne za izvajanje nadzora skupine.
(75) The supervisory authorities should have access to all the information relevant to the exercise of group supervision .
Treba je vzpostaviti sodelovanje med organi, odgovornimi za nadzor zavarovalnic in pozavarovalnic, ter tudi med temi organi in organi, odgovornimi za nadzor podjetij, ki delujejo v drugih finančnih sektorjih.
Cooperation between the authorities responsible for the supervision of insurance and reinsurance undertakings as well as between those authorities and the authorities responsible for the supervision of undertakings active in other financial sectors should be established.
(75) Pri nadzoru skupine bi morali v kolegiju nadzornikov sodelovati nadzorni organi iz vseh držav članic, kjer imajo sedeže zavarovalnice iz skupine.
(75) Supervisors from all Member States in which an undertaking in the group is established should be involved in group supervision through a college of supervisors .
Vsi bi morali imeti rutinski dostop do dokumentacije in biti dejavno udeleženi pri odločanju.
They should all have access to documentation as a matter of routine and should be dynamically involved in decision-making.
Nadzorniki bi sestavljali kolegij.
Supervisors would form a College.
Uvodna izjava 75 a (novo)
Recital 75 a (new)
(75a) Mnenje, ki ga odbor CEIOPS posreduje nadzorniku skupine, za tega nadzornika pri sprejemu odločitve ni zavezujoče.
( 7 5a) Advice by CEIOPS to the group supervisor is not binding on that supervisor when taking its decision.
Nadzornik skupine pri sprejemanju odločitve to mnenje v celoti upošteva in obrazloži morebitno občutno odstopanje od njega.
W hen taking a decision, the group supervisor sh ould take full account of that advice and shall explain any significant deviation therefrom .
Priporočljivo je, da nadzorniki to mnenje upoštevajo.
It is advice that supervisors may not wish to ignore.
Uvodna izjava 93 a (novo)
Recital 93 a (new)
(93a) Člen 17(2) Direktive 2003/41/ES Evropskega parlamenta in Sveta z dne 3. junija 2003 o dejavnostih in nadzoru institucij za poklicno pokojninsko zavarovanje se sklicuje na obstoječe zakonodajne določbe o minimalnem kapitalu.
(93a) Article 17(2) of Directive 2003/41/EC of the European Parliament and of the Council of 3 June 2003 on the activities and supervision of institutions for occupational retirement provision 1 refer s to the existing legislative provisions on solvency margins.
Ta sklic je treba obdržati, da se ohrani sedanje stanje.
Th o se references should be retained in order to maintain the status quo .
Komisija bi morala čim prej opraviti revizijo direktive 2003/41/ES v skladu z njenim členom 21(4).
The Commission should conduct its review of Directive 2003/41/EC under Article 2 1 ( 4 ) thereof , as quickly as possible.
Komisija bi morala ob podpori odbora CEIOPS razviti lasten sistem pravil o solventnosti za pokojninsko zavarovanje, pri tem pa v celoti upoštevati bistvene razlike med zavarovalnicami in pozavarovalnicami.
The Commission, supported by CEIOPS, should develop a proper system of solvency rules for pension provision, whilst fully reflecting the essential di stinctiveness of insurance and reinsurance undertakings.
Pomembno je ohraniti sedanji pravni okvir za institucije za poklicno pokojninsko zavarovanje, saj bo Komisija v kratkem opravila pregled zadevne direktive.
It is important that the legal framework for IORPs remains unchanged, considering that a review of that Directive is about to be carried out by the Commission.
Uvodna izjava 95 a (novo)
Recital 95 a ( new )
(95a) Zaradi vse bolj čezmejne narave zavarovalništva bi bilo treba dodatno obravnavati sisteme jamstev za zavarovanja v Evropski uniji in čim bolj zmanjšati razlike med ureditvami v državah članicah, pri tem pa upoštevati nadzorne strukture.
(95a) Given the increasing cross-border nature of insurance business, further work on insurance guarantee schemes in the European Union should be conducted and divergences between Member State ' regime s should be reduced to the greatest extent possible, taking account of the supervis ory structures.
Čeprav to delo ne bo potekalo na področju uporabe te direktive, bi bilo treba narediti korak naprej od raziskav, ki jih je Komisija že opravila, in čim prej uvesti jamstveni sklad za zavarovanja v Evropski uniji, zlasti življenjska zavarovanja.
Although such ongoing work will be conducted outside the scope of this Directive, there is a need to go further than what is suggested in the studies already carried out by the Commission and to propose , as soon as possible , an insurance guarantee mechanism at the European Union level, in particular for life assurance.
Takšen mehanizem naj bi zagotovil visoko raven usklajene zaščite za vse zavarovalce.
The purpose of such a mechanism sh ould be to ensure a high level of harmonised protection for all policyholders.
Sistemi jamstev za zavarovanja so bistveni za zaščito zavarovalcev v primeru postopka prenehanja zavarovalnice.
Insurance guarantee schemes are vital for the protection of policyholders in case of winding-up of an insurance undertaking.
To področje trenutno ni dovolj usklajeno in treba je narediti več za doseganje enake ravni zaščite v vseh državah članicah.
There is currently lack of harmonisation in this area and more should be done to achieve the same level of protection across all Member States.
Brez poseganja v člene 5 do 10 se ta direktiva ne uporablja za zavarovalnice, katerih letni prihodek od premij ne presega 5 milijonov EUR.
Without prejudice to Articles 5 to 10 this Directive shall not apply to insurance undertakings whose annual premium income does not exceed EUR 5 million.
Brez poseganja v člene 3 in 5 do 10 se ta direktiva ne uporablja za zavarovalnice, katerih :
Without prejudice to Articles 3 and 5 to 10 , this Directive shall not apply to insurance undertakings wh ere the :
(a) letni prihodek od premij ne presega 5 milijonov EUR;
(a) undertaking's annual premium income does not exceed EUR 5 million ;
(b) skupne tehnične rezervacije z izterljivimi zneski iz zavarovalnih pogodb in namenskih družb iz člena 75 ne presegajo 25 milijonov EUR;
(b) total of the undertaking 's technical provisions, gross of the amounts recoverable from reinsurance contracts and Special Purpose Vehicles, as referred to in Article 75, does not exceed EUR 25 million;
(c) skupne tehnične rezervacije skupine z izterljivimi zneski iz zavarovalnih pogodb in namenskih družb ne presegajo 25 milijonov EUR;
(c) total of the group's technical provisions, gross of the amounts recoverable from reinsurance contracts and Special Purpose Vehicles, does not exceed EUR 25 million;
(d) poslovanje ne obsega zavarovalnih in pozavarovalnih dejavnosti, vključno z zavarovanjem odgovornosti ter kreditnimi in kavcijskimi zavarovalnimi tveganji, razen če pomenijo dodatno tveganje v smislu člena 16(1);
(d ) business of the undertaking does not include insurance or reinsurance activities covering liability, credit and suretyship insurance risks, unless they constitute ancillary risks within the meaning of Article 16(1);
(e) pozavarovalne obveznosti ne presegajo 0,5 milijona EUR, 10 % obračunanih bruto premij oziroma 10 % skupnih tehničnih rezervacij.
(e) the undertaking's reinsurance obligations do not exceed EUR 0,5 million or more than 10 % of their gross written premium income or 10 % of their total technical provisions.
Če se znesek iz odstavka 1 tri leta zapored preseže , se ta direktiva uporablja od četrtega leta.
If the amount set out in paragraph 1 is exceeded for three consecutive years this Directive shall apply from the fourth year.
Če se zneski iz odstavka 1 tri leta zapored presežejo , se ta direktiva uporablja od četrtega leta.
If the amounts set out in paragraph 1 are exceeded for three consecutive years this Directive shall apply from the fourth year .
Če letni prihodek od premij zavarovalnice tri zaporedna leta ne doseže zneska iz odstavka 1(a), se ta direktiva za zavarovalnico ne uporablja več.
In the event that the annual premium income of insurance undertaking steadily declines in three consecutive years below the amount set out in paragraph 1 (a) , the insurance undertaking shall no longer fall within the scope of this Directive.
Odstavka 1 in 2 nobenemu podjetju ne preprečujeta, da zaprosi za dovoljenje ali še naprej posluje z dovoljenjem na podlagi te direktive.
Paragraphs 1 and 2 shall not prevent any undertaking from applying for authorisation or continuing to be authorised under this Directive.
Člen 13 – točka 1 a (novo)
Article 13 – point 1 a (new)
(1a) „lastna zavarovalnica“ pomeni zavarovalnico, ki je v lasti bodisi finančnega podjetja, ki ni zavarovalnica, pozavarovalnica ali skupina zavarovalnic ali pozavarovalnic, za katere se uporablja naslov III te direktive, bodisi nefinančnega podjetja, ki ponuja zavarovalno kritje izključno za tveganja podjetja ali podjetij, katerim pripada, ali podjetja ali podjetij iz skupine, katere članica je lastna zavarovalnica;
(1a) 'captive insurance undertaking' means an insurance undertaking owned either by a financial undertaking other than an insurance or reinsurance undertaking or a group of insurance or reinsurance undertakings to which Title III of this Directive applies, or by a non-financial undertaking, the purpose of which is to provide insurance cover exclusively for the risks of the undertaking or undertakings to which it belongs or of an undertaking or undertakings of the group of which the captive insurance undertaking is a member;
Treba je vključiti opredelitev lastne zavarovalnice in poudariti, da sedanja direktiva velja tudi zanje.
It is important to provide a definition for captive insurance undertakings specifying that they are insurance undertakings underlying the present Directive.
Člen 13 – točka 4 a (novo)
Article 13 – point 4 a (new)
(4a) „namenski pozavarovatelj“ pomeni zavarovatelja:
(4a) 'dedicated reinsurer' means an insurer:
(a) katerega zavarovalnica je omejena na pozavarovanje cedenta (konzorcij ali podjetje, ki prenaša tveganje na namenskega pozavarovatelja) in cedentovih hčerinskih podjetij pod pogoji, ki cedentu omogočajo, da pozavarovanje kadar koli prekliče ter po preklicu sredstva in obveznosti pozavarovatelja takoj prenese nase; in
(a) the insurance business of which is restricted to the reinsurance of a cedant (syndicate or undertaking that transfers risk to the dedicated reinsurer) and the cedant's subsidiaries on terms that allow the cedant at any time to cancel the reinsurance arrangements and upon any such cancellation immediately transfer the assets and liabilities of the reinsurer to the cedant; and
(b) ki je neposredno ali posredno:
(b) which , directly or indirectly:
(i) v celoti v lasti cedenta ali članov cedenta; ali
(i) is wholly owned by the cedant or the members of the cedant; or
(ii) je edini lastnik cedenta.
(ii) wholly owns the cedant ;
Člen 13 – točka 10 – uvodni del
Article 13 – point 10 – introductory part
(10) „država članica, v kateri je nevarnost“, pomeni od datuma sklenitve pogodbe o življenjskem zavarovanju eno od naslednjega:
(10) 'Member State where the risk is situated' means any of the following as of the date of conclusion of the non-life insurance contract :
(10) „država članica, v kateri je nevarnost“, pomeni eno od naslednjega:
(10) 'Member State where the risk is situated' means any of the following:
S predlogom spremembe se bo moč izogniti neželenim davčnim posledicam.
The amendment shall avoid unintentional tax implications.
Člen 13 – točka 11 – uvodni del
Article 13 – point 11 – introductory part
(11) „država članica obveznosti“ pomeni državo članico, v kateri se od datuma sklenitve pogodbe o življenjskem zavarovanju nahaja eno od naslednjega:
(11) 'Member State of the commitment' means the Member State in which any of the following is situated as of the date of conclusion of the life insurance contract :
(11) „država članica obveznosti“ pomeni državo članico, v kateri se nahaja eno od naslednjega:
(11) 'Member State of the commitment' means the Member State in which any of the following is situated:
Člen 13 – točka 15 a (novo)
Article 13 – point 15 a (new)
(15a) „posli v skupini“ pomenijo vse posle, pri katerih je zavarovalnica ali pozavarovalnica bodisi posredno ali neposredno odvisna od drugih podjetij znotraj iste skupine bodisi od katere koli fizične ali pravne osebe, ki je s podjetji znotraj te skupine povezana s tesnimi povezavami, za namene izpolnjevanja pogodbenih in drugih plačljivih in neplačljivih obveznosti.
(15a) 'intra-group transaction' means any transaction by which an insurance or reinsurance undertaking relies either directly or indirectly on other undertakings within the same group or on any natural or legal person linked to the undertakings within that group by close links, for the fulfilment of an obligation, whether or not contractual, and whether or not for payment.
Ti posli zadevajo zlasti:
Those transactions concern in particular:
(b) jamstva in zunajbilančne transakcije;
(b) guarantees and off-balance-sheet transactions ;
(c) elemente, ki izpolnjujejo pogoje za kritje minimalnega kapitala;
(c) elements eligible for covering the solvency margin ;
(e) pozavarovalne operacije in
(e) reinsurance operations ; and
(f) sporazume o delitvi stroškov.
(f) agreements to share costs;
Posli v skupini so pomembno področje nadzora zaradi značilnega obrnjenega proizvodnega cikla v zavarovalništvu, ki lahko povzroči navzkrižje interesov v odnosih nadziranega subjekta in njegovih povezanih strani.
The Intra-Group Transaction discipline is an important area of supervision due to the typical inverted production cycle of the insurance business, which may create room for conflict of interest in the relationship of the supervised entity with its related parties.
Ker predlog Komisije v zvezi s tem ni popoln, je treba vključiti definicijo poslov v skupini.
As the Commission proposal is not complete in this regard we should insert a definition of IGT.
Člen 4 nobenemu podjetju ne preprečuje, da predloži vlogo za dovoljenje ali še naprej posluje z dovoljenjem na podlagi te direktive.
Article 4 shall not prevent any undertaking from applying, or continuing, to be authorised under this Directive.
Glavni cilj nadzora
Main objective of supervision
Glavni cilj nadzora v skladu s to direktivo
Main objective of supervision under this Directive
Države članice zagotovijo, da so nadzornim organom zagotovljena potrebna sredstva za dosego glavnega cilja nadzora, to je zaščita zavarovalcev in upravičencev.
Member States shall ensure that the supervisory authorities are provided with the necessary means to achieve the main objective of supervision, namely the protection of policyholders and beneficiaries.
Države članice zagotovijo, da so nadzornim organom zagotovljena potrebna sredstva za dosego glavnega cilja nadzora, to je zaščita zavarovalcev in upravičencev v skladu z nacionalno zakonodajo in zakonodajo Skupnosti, ter da imajo za to ustrezno strokovno znanje, zmogljivosti in pooblastila .
Member States shall ensure that the supervisory authorities are provided with the necessary means , and have the relevant expertise and capacity, and mandate to achieve the main objective of supervision, namely the protection of policyholders and beneficiaries in accordance with Community and national law.
Zaradi zahtev za nadzor v okviru drugega in tretjega stebra, kot je na primer odobritev, spremljanje in redno pregledovanje notranjih modelov ter posledično tesnejše sodelovanje z drugimi nadzornimi organi in zavarovalnicami, bodo nacionalni nadzorni organi potrebovali večje vire, če bodo hoteli ustrezno opravljati obsežnejše naloge.
The supervisory requirements established under Pillars 2 and 3, such as the approval of internal models, their monitoring and regular review, and the consequent closer cooperation and engagement with other supervisors and companies, is likely to mean national supervisors will need more resources to fulfil their enhanced responsibilities properly.
Države članice zagotovijo, da se zahteve, ki jih določa ta direktiva, uporabljajo na način ki je sorazmeren glede na naravo, zahtevnost in obseg tveganj, ki so del poslov zavarovalnice ali pozavarovalnice.
Member States shall ensure that the requirements laid down in this Directive are applied in a manner which is proportionate to the nature, complexity and scale of the risks inherent in the business of an insurance or reinsurance undertaking.
Države članice zagotovijo, da se zahteve, ki jih določa ta direktiva, uporabljajo na način , ki je sorazmeren glede na naravo, zahtevnost in obseg tveganj, ki so del poslov zavarovalnice ali pozavarovalnice, ter z namenom ohranjanja finančne stabilnosti v Skupnosti, zlasti v času finančne krize.
Member States shall ensure that the requirements laid down in this Directive are applied in a manner which is proportionate to the nature, complexity and scale of the risks inherent in the business of an insurance or reinsurance undertaking as well as with a view to maintain ing financial stability in the Community as a whole , in particular in times of financial distress .
Vsakršno poslovanje mora biti zakonsko urejeno, neodvisno od velikosti, ker učinek nepravilnosti ni vedno linearen z velikostjo, temveč je odvisen od vrste zavarovanja, za katerega družba jamči, in od geografske porazdelitve njenih dejavnosti.
All business should be regulated - regardless of the size, since the impact of a failure is not always linear to the size, but depends on the type of insurance a company underwrites and the geography of their activities .
Komisija v zvezi z odstavkom 3 sprejme izvedbene ukrepe, ki opredeljujejo sorazmerno izvajanje direktive, zlasti glede zelo majhnih zavarovalnic.
The Commission shall adopt implementing measures relating to paragraph 3, specifying the proportional application of the Directive, in particular to very small insurance undertakings.
Ukrepe, ki spreminjajo nebistvene elemente te direktive, se sprejme v skladu z regulativnim postopkom s pregledom iz člena 304(3).
Those measures, designed to amend non-essential elements of this Directive, shall be adopted in accordance with the regulatory procedure with scrutiny referred to in Article 304(3).
Načelo sorazmernosti zahteva dodatno pojasnitev z izvedbenimi ukrepi.
The principle of proportionality requires further clarification through implementing measures.
Člen 29 – odstavek 2 – pododstavek 1
Article 29 – paragraph 2 – subparagraph 1
Finančni nadzor celotnega poslovanja zavarovalnice in pozavarovalnice v skladu s členom 1 vključuje preverjanje njene kapitalske ustreznosti, oblikovanja zavarovalno-tehničnih rezervacij, ter primernih lastnih sredstev v skladu z določenimi pravili ali praksami, ki veljajo v državi članici na podlagi predpisov, sprejetih na ravni Skupnosti.
Financial supervision pursuant to paragraph 1 shall include verification, with respect to the entire business of the insurance and reinsurance undertaking, of its state of solvency, of the establishment of technical provisions and of the eligible own funds, in accordance with the rules laid down or practices followed in the Member State under provisions adopted at Community level.
Finančni nadzor celotnega poslovanja zavarovalnice in pozavarovalnice v skladu s členom 1 vključuje preverjanje njene kapitalske ustreznosti, oblikovanja zavarovalno-tehničnih rezervacij, premoženja ter primernih lastnih sredstev v skladu z določenimi pravili ali praksami, ki veljajo v državi članici na podlagi predpisov, sprejetih na ravni Skupnosti.
Financial supervision pursuant to paragraph 1 shall include verification, with respect to the entire business of the insurance and reinsurance undertaking, of its state of solvency, of the establishment of technical provisions , of its assets and of the eligible own funds, in accordance with the rules laid down or practices followed in the Member State under provisions adopted at Community level.
Člen 30 – odstavek 2 – točka (e a) (novo)
Article 30 – paragraph 2 – point e a (new)
(ea) količinska orodja, oblikovana med postopkom nadzornega pregleda.
(ea) any quantitative tools developed under the supervisory review process .
Člen 34 – odstavek 4
Article 34 – paragraph 4
Države članice zagotovijo, da imajo nadzorni organi pooblastila, da poleg izračuna zahtevanega solventnostnega kapitala, če je primerno , razvijejo količinska orodja v okviru postopka nadzornega pregleda za oceno zmožnosti soočanja zavarovalnic ali pozavarovalnic z morebitnimi dogodki ali prihodnjimi spremembami v gospodarskih razmerah, ki bi lahko neugodno vplivali na njihov splošni finančni položaj.
Member States shall ensure that supervisory authorities have the power to develop, in addition to the calculation of the Solvency Capital Requirement and where appropriate , quantitative tools under the supervisory review process to assess the ability of the insurance or reinsurance undertakings to cope with possible events or future changes in economic conditions that could have unfavourable effects on their overall financial standing.
Nadzorni organi zahtevajo, da podjetja opravijo takšne preskuse.
The supervisory authorities shall require that such tests are performed by the undertakings.
Države članice zagotovijo, da imajo nadzorni organi v izjemnih primerih pooblastila, da poleg izračuna zahtevanega solventnostnega kapitala, če je potrebno , razvijejo količinska orodja v okviru postopka nadzornega pregleda za oceno zmožnosti soočanja zavarovalnic ali pozavarovalnic z morebitnimi dogodki ali prihodnjimi spremembami v gospodarskih razmerah, ki bi lahko neugodno vplivali na njihov splošni finančni položaj.
Member States shall ensure that , in exceptional cases, supervisory authorities have the power to develop, in addition to the calculation of the Solvency Capital Requirement and where necessary , quantitative tools under the supervisory review process to assess the ability of the insurance or reinsurance undertakings to cope with possible events or future changes in economic conditions that could have unfavourable effects on their overall financial standing.
Nadzorni organi ne bi smeli imeti brezpogojnih pooblastil za kvalitativne ukrepe, ki jih lahko zavarovalnicam naložijo poleg zahteve za solventnostni kapital.
Supervisory authorities should not, per se, have the right to impose quantitative measures in addition to the SCR calculation on insurance companies.
Takšne ukrepe naj bi uvedli le izjemoma, če se oceni, da so potrebni.
These measures should only be applied in exceptional cases, if deemed necessary.
Člen 34 – odstavek 6
Article 34 – paragraph 6