natgillin/translations-raw huggingface dataset:
Komisija letno obvešča Evropski parlament in Svet o prilagoditvi in prilagojenih zneskih.
The Commission shall inform the European Parliament and the Council annually of the adaptation and the adapted amounts.
Obstoječe Direktive že predvidevajo postopek samodejne prilagoditve zneskov, ki deluje zadovoljivo.
An automatic adaptation of amounts already exists in the present Directives and works satisfactorily.
Preprečuje, da bi se minimalni zneski za podjetja nenadoma zvišali, saj je iz izkušenj znano, da Komisija ne izpolnjuje vedno svojih dolžnosti, ko gre za preglede.
It avoids that undertakings are suddenly subject to higher minimum amounts, as from experience it is well known that review obligations by the Commission are not always executed.
Samodejni mehanizem bo odpravil to težavo.
An automatic mechanism avoids this problem.
Člen 304 – odstavek 2
Article 304 – paragraph 2
Člen 311 – odstavek 1 a (novo)
Article 311 - paragraph 1 a (new)
Z odstopanjem od odstavka 1 za institucije za poklicno pokojninsko zavarovanje še naprej veljata člena 27 in 28 direktive 2002/83/ES, v skladu s členom 17 direktive 2003/41/ES.
By derogation from paragraph 1, Articles 27 and 28 of Directive 2002/83/EC shall remain in force as regards institutions for occupational retirement provision in accordance with Article 17 of Directive 2003/41/EC.
Novi odstavek pojasnjuje, da Komisija v tem trenutku ne namerava uporabiti projekta Solventnost II v institucijah za poklicno pokojninsko zavarovanje.
The new paragraph clarifies the intention of the Commission not to apply Solvency II at this stage to IORPs.
S tem novim okvirom solventnosti, kot je opredeljeno v direktivi („osnutek direktive“) o začetku opravljanja in opravljanju dejavnosti zavarovanja in pozavarovanja ( COM(2008)0119 končno), znanim tudi pod imenom Solventnost II, namerava Komisija uvesti pristop, ki bo upošteval tveganje in spodbujal obvladovanje tveganja.
With this new solvency framework, as outlined in the proposal for a Directive ("draft Directive") on the taking up and pursuit of the business of Insurance and Reinsurance ( COM(2008)0119 final), also called Solvency II, the Commission intends to introduce a risk sensitive approach with incentives for risk management.
Ta pristop bo prispeval k boljši (optimalni) razporeditvi kapitala, ki bo v skladu s tržnim vrednotenjem sredstev in obveznosti.
This approach will lead to a better (optimal) allocation of capital, taking into account market-consistent valuation of assets and liabilities.
Prav tako usklajuje pravila na področju solventnosti z realističnim vrednotenjem glede na trenutno tržno oceno sredstev in obveznosti družbe.
It also aligns solvency rules with a realistic valuation according to the present market assessment of assets and liabilities of a company.
Pravna oblika je preoblikovanje in kodifikacija, pri čemer je bilo 80 % obstoječega besedila preoblikovano v „novi“ jezik (revidiral odbor za pravne zadeve), preostalo besedilo pa je novo in uvaja nova pravila za Solventnost II.
The legal form is one of the re-cast and codification with 80% of the old text being subject to a re-cast into the "new" language (subject to the review of the Legal Affairs Committee) and the rest being the new text, introducing the new Solvency II rules.
Novo besedilo je pristop, temelječ na načelih in skladen z Lamfalussyjevim postopkom, s podlago za sprejem izvedbenih ukrepov na ravni 2 in z navodili za nadzor na ravni 3 Lamfalussyjevega zakonodajnega postopka.
The new text is a principle based and Lamfalussy compliant approach, with the basis for adoption of implementing measures at Level 2 and with instructions for supervisory work at Level 3 of the Lamfalussy legislative process.
Predlog sestavljajo trije stebri.
It is structured in the form of three pillars.
Glavni cilj zahtev stebra I je zagotoviti, da so zavarovalnice in pozavarovalnice zmožne izpolniti svoje obveznosti na dan njihove zapadlosti, pri čemer je verjetnost propada v enoletnem obdobju 0,5 %.
The main objective of pillar I requirements is to ensure that insurance and reinsurance companies are able to meet their obligations when due, with a 0.5% probability of ruin on a one year time horizon.
Torej temelji okvir Solventnost II na holističnem ekonomskem pristopu bilančne vsote, ki izenačuje vse obveznosti s sredstvi, ki jih družba potrebuje, in ne na posamičnem vrednotenju bilančnih postavk.
Therefore the Solvency II framework is structured on a holistic "total balance sheet approach", balancing all the liabilities with all assets the company needs to hold and not valuating balance sheet items in isolation.
Družbe morajo tako razpolagati z zadostnimi sredstvi, da bi lahko izpolnjevale: solventnostno kapitalsko zahtevo (SCR), minimalno kapitalsko zahtevo (MCR) in tehnične rezervacije (vsota najboljše ocene bodočih terjatev ter meje tveganja plus tveganj, ki jih je mogoče zavarovati (zavarovalna tveganja).
Companies thus need to hold enough assets to meet the following: solvency capital requirements (SCR), minimum capital requirements (MCR), and technical provisions (best estimate of future claims as well as a risk margin plus the risks that can be secured / assured (Hedgeable risks).
Prvi steber
Pillar I
Minimalna kapitalska zahteva (MCR)
Minimum Capital Requirement (MCR)
Trenutno obstajajo trije različni pristopi za izračun MCR: modularni, zgoščeni in linearni pristop.
There are currently three different approaches when calculating the MCR, which are the modular approach, the compact approach and the linear approach.
· Modularni pristop izračunava vrednost MCR s seštevanjem različnih modulov tveganja (tržno tveganje in zavarovalno tveganje) ter tako pride do skupne vrednosti.
· The modular approach calculates the MCR by adding together different risk modules (market risk and insurance risk) to come up with an overall figure.
V bistvu gre za precej poenostavljeno različico SCR, vendar gre za neodvisen izračun zahteve.
Essentially it is a significantly simplified version of the SCR, but it is an independent requirement calculation.
· Zgoščeni pristop določa vrednost MCR kot odstotek vrednosti SCR, kar je enostavno, vendar ne izpolnjuje merila neodvisnega izračuna MCR, čeprav ni bilo dokazano, da je takšna neodvisnost potrebna za izpolnitev merila, opredeljenega v trenutnem osnutku direktive.
· The compact approach sets the MCR as a percentage of the SCR, it is simple, but fails to achieve the criteria of independent calculation of MCR, although it has not been proven that such independence is necessary to satisfy all the criteria defined in the current draft directive.
· Linearni pristop določa vrednost MCR kot stalni odstotek tehničnih rezervacij zavarovatelja.
· The linear approach calculates the MCR as a fixed percentage of insurers' technical provisions.
Je nekaj vmesnega med obema opisanima pristopoma.
It is somewhere in between the two approaches described above.
Ta pristop ne upošteva tveganja, zato ni v skladu s splošnim namenom direktive.
This approach is not risk sensitive; therefore it is inconsistent with the overall objective of the directive.
Vendar bo tudi ta pristop predmet preizkusov četrte kvantitativne študije vplivov (QIS4), ki jo bo v letu 2008 izvedel Odbor evropskih nadzornikov za zavarovanja in poklicne pokojnine (CEIOPS).
However, it will still be tested as part of fourth Quantitative Impact Study (QIS4) exercise undertaken during 2008 by Committee of European Insurance and Occupational Pensions Supervisors (CEIOPS).
Solventnostna kapitalska zahteva
Solvency Capital Requirement
Solventnost skupine (določena kot razlika med primernimi lastnimi sredstvi in solventnostno kapitalsko zahtevo) se lahko izračuna na tri načine:
The group solvency (defined as the difference between eligible own funds and SCR (Solvency Capital Requirement) can be calculated in 3 ways :
Če nadzorniki ne odločijo drugače, je treba uporabiti metodo 1.
Accounting consolidation-based method (Method 1), where eligible own funds and consolidated SCR are based on consolidated accounts;
Metode same po sebi temeljijo na obstoječi zakonodaji (Solventnost I).
The methods itself are based on the existing legislation (Solvency I).
Konsolidirano solventnostno kapitalsko zahtevo (metoda 1) in solventnostno kapitalsko zahtevo družb v skupini (metoda 2) se lahko izračuna po standardni formuli ali pa po odobrenem (delnem) notranjem modelu.
The consolidated SCR (Method 1) and the SCR's of group companies (Method 2) may be calculated either by the standard formula or by an approved (partial) internal model.
Kapitalski dodatki so možni, če profil tveganja skupine ni ustrezno vključen v standardno formulo ali (delni) notranji model.
Capital add-ons are possible where the risk profile of the group is not adequately reflected in the standard formula or (partial) internal model.
Če skupina želi uporabiti (delni) notranji model za izračun konsolidiranega zahtevanega solventnostnega kapitala skupine, morajo zadevni nadzorni organi sodelovati pri odločitvi o odobritvi dovoljenja.
In case the group wants to use a (partial) internal model to calculate the consolidated group SCR, the supervisory authorities concerned shall cooperate to decide whether or not to grant permission.
Skupno odločitev je treba sprejeti v roku 6 mesecev.
A joint decision should be reached within 6 months.
Če skupna odločitev ni sprejeta v predpisanem roku, sprejme odločitev nadzornik skupine sam.
In the absence of a joint decision within this period, the group supervisor makes its own decision.
Na zahtevo skupine ali kateregakoli udeleženega nadzornika se je mogoče posvetovati z Odborom evropskih nadzornikov za zavarovanja in poklicne pokojnine, kar obdobje podaljša za 2 meseca.
CEIOPS may be consulted at the request of the group or any of the concerned supervisors, which extends the period by 2 months.
Drugi steber
Pillar II
Drugi steber opredeljuje okvir za nadzor tako, da se osredotoča na notranje procese in vidike izvajalnega tveganja, vključno z delujočim notranjim sistemom nadzora, sistemi za obvladovanje tveganj, aktuarsko funkcijo, notranjo revizijo in pravili o zunanjem izvajanju.
Pillar II defines a framework of supervisory control focusing on internal processes and aspects of operational risk including an effective internal control system, risk management systems, actuarial function, internal audit and rules on outsourcing.
Predlog izpostavlja orodja za dejavnosti nadzora, vključno z opredelitvijo nadzornih pooblastil, določbami za sodelovanje med nadzorniki in konvergenco pri nadzoru.
The proposal enhances tools for supervisory activities, including definition of supervisory powers, provisions for cooperation between supervisors as well as for supervisory convergence.
Glede na obseg dela, predvidenega na ravni nadzora (raven 3), je treba odgovornost nadzornikov in preglednost njihovega načina dela zagotoviti na ravni 1.
Given the bulk of work foreseen for the supervisory level (Level 3), the accountability of supervisors and transparency of their way of work need to be assured at Level 1.
Pomembno je, da so te določbe v skladu z določbami sektorja vrednostnih papirjev in bančnega sektorja, da bi tako dosegli medsektorsko skladnost in konvergenco.
It is important for these provisions to be in line with the provisions in securities and banking sectors and hence to achieve the cross-sectoral consistency and convergence.
Tretji steber
Pillar III
Glavni cilj tretjega stebra je razkritje informacij, da bi okrepili tržno disciplino, nadzorno poročanje in zahteve po preglednosti.
The main objective of Pillar III is the disclosure of information to underpin market discipline, supervisory reporting and transparency requirements.
Na strani nadzora predlog spodbuja sodelovanje pri nadzoru in konvergenci, krepi vlogo Odbora evropskih nadzornikov za zavarovanje in poklicne pokojnine, uvaja mehanizme za zgodnje obveščanje in pripravlja okvir za bolj učinkovit nadzor skupin.
On the supervision side, it encourages supervisory cooperation and convergence, enhances the role of CEIOPS, introduces an early-warning mechanism and outlines a framework for a more effective Group supervision.
Obstaja potreba po približevanju predpisov o nadzornem poročanju, da bi lahko zagotovili primerljivo obliko in vsebino, kar je zlasti pomembno v zvezi z nadzorom skupin ter obveznostmi poročanja prek nacionalnih organov Odboru evropskih nadzornikov za zavarovanje in poklicne pokojnine.
There is a need to converge the rules on supervisory reporting in order to deliver a comparable format and content, especially important when talking of Group supervision as well as reporting obligations via national authorities to CEIOPS.
Predlog ne rešuje tega vprašanja v celoti, tako da bo čas pokazal, ali samo smernice na ravni 3 zadostujejo za zagotavljanje približevanja in morda celo vodijo v vzpostavitev skupne podatkovne zbirke o poročilih v zvezi z nadzorom.
The proposal does not address this issue in detail and it remains to be seen whether sole guidance at Level 3 is a sufficient tool to guarantee such a convergence and even perhaps to lead to a common supervisory reporting data base.
Nadzor skupin in podpora skupinam
Group supervision and Group support
Nadzor skupin in podpora skupinam sta najpomembnejša elementa osnutka okvirne direktive.
Group Supervision and group support are the most overriding elements in the draft framework directive.
Lokalni nadzornik bo imel osrednjo vlogo pri vsakodnevnem nadzoru tuje družbe ali podružnice.
The local supervisor will play a vital role in the day-to-day supervision of a non-domestic company or subsidiary.
Nadzornik skupine bo t.i. domači regulator za skupino, ki bo skrbel, da bo zadržala kapital, in ji zagotavljal podporo.
The group supervisor will be the "home regulator" for the group, which safeguards that the group holds capital and provides group support.
Matično podjetje mora zagotoviti ves zahtevani kapital, tako kot je bilo dogovorjeno med lokalnim nadzornikom in nadzornikom skupine; gotovost v zvezi s tem je bistvena.
The parent undertaking shall have to make any required capital available as agreed between the local supervisor and the group supervisor, and certainty of this is essential.
Poleg tega predlog predvideva možnost, da se hčerinskemu podjetju zagotovi podpora znotraj skupine, in sicer iz sredstev, ki so na voljo v drugem hčerinskem podjetju.
Moreover, the proposal foresees the possibility of providing to a subsidiary group support from funds present in another subsidiary.
Gledano iz vidika prava gospodarskih družb takšnih prenosov ni mogoče vedno izpeljati tako hitro in pravočasno, kot je zahtevano.
Company law aspects may imply that transfers may not be that easy to affect and also not as timely as requested.
Zavarovalni nadzorniki niso v položaju, da bi vrednotili pravne možnosti za prenos sredstev med družbami, za katere je po možnosti pristojno različno sodišče.
Insurance supervisors are not qualified to make a value judgement on the legal possibility to transfer funds between companies, possibly established in different jurisdictions.
Poročevalec pozdravlja predlog Komisije kot pozitiven korak v smeri zagotavljanja jasnosti in pravne varnosti med regulatorji in gospodarstvom.
The rapporteur welcomes the Commission's proposal as a positive step towards bringing clarity and legal certainty between regulators and industry.
Predlog bo s svojim pristopom, temelječim na uporabljenem načelu in ekonomskih tveganjih, zagotovil precej bolj učinkovito zaščito pred verjetnostjo propadov, saj postavlja obvladovanje tveganj med osrednja orodja, ki jih pri poslovanju uporabljajo zavarovalne družbe.
It will give a much more effective protection against the likelihood of failures by its principle and economic based approach that puts risk management up at the top of the chief tools to be used by companies in writing business.
Želi pa opozoriti na številne točke v predlogu, ki jih je treba po njegovem mnenju še natančneje pojasniti:
However, the rapporteur wishes to draw the attention on a number of points that need, in his opinion, to be further clarified in the current proposal:
· Potrošnikov ni mogoče izključiti iz finančne zakonodaje samo zaradi zapletene narave procesa.
· Consumers cannot be ignored from financial legislation just because of the complex nature of the process.
Poročevalec priznava, da nesistematično varstvo potrošnikov prav tako ni koristno.
However, the rapporteur does recognise that piecemeal consumer protection is not useful either.
Zato bi bilo najbolje, da Komisija predloži predlog za krepitev obstoječih pravic potrošnikov na horizontalni ravni.
Therefore, it would be best for the Commission to make a proposal to enhance existing consumer rights at the horizontal level.
Z ustreznim posvetovanjem in z razvojem dobre prakse je mogoče bistveno povečati znanje, zavest in sprejemanje odločitev za potrošnike.
With appropriate consultation and by developing good practice it is possible to seriously enhance the knowledge, awareness and decision making process for consumers.
Zato poročevalec meni, da je zgoščeni pristop najbolj primeren za dosego tega cilja.
Consequently, the rapporteur believes that the compact approach is the most appropriate method to achieve this goal.
Tako je zgoščeni pristop edina preskušena metoda doslej, ki v celoti upošteva tveganje.
Thus, the compact approach is the only proven method so far that is fully risk sensitive.
Prav tako uresničuje cilj Komisije, ki želi trdno, enostavno izračunljivo in preverljivo vrednost MCR.
It also satisfies the Commission’s objectives for the MCR as being robust, simple to calculate, and auditable.
Zgoščeni pristop je mogoče uspešno uporabiti povsod in ga prilagoditi vsem zavarovalnicam.
The compact approach can be used across the board with success and lends itself to adaptation for all entities of insurance undertaking.
· Primerna lastna sredstva morajo biti skladna iz razlogov konkurenčnosti in izravnave izgub.
· Eligible Own Funds must be consistent for reasons of competitiveness and absorption of losses.
Člene v zvezi s tem je treba prilagoditi tako, da odražajo to prakso, kjer ta manjka v besedilu Komisije.
Articles relating to this must be adapted to reflect this practice where missing from the Commissions text.
Zlasti je potrebna opredelitev presežka sredstev, ki se uporablja samo v nekaterih državah članicah EU.
In particular, a definition of Surplus Funds which is used in only a few EU Members States is necessary
· Izračun poštene vrednosti še vedno ni vključen v opredelitev vrednosti, skladne s trgom, vendar poročevalec meni, da bo določba, ki bo zagotovila sorazmerje s pristopom, ki temelji na tveganju, pravočasno sprejeta.
· The calculation of fair value is still absent from the definition of consistent market value and the rapporteur believes that a provision to ensure that this is adequate to the task for a risk based approach is concluded in a timely manner.
· Zamisli o enem samem nadzorniku bi bilo morda treba nameniti več pozornosti.
· The concept of solo supervisor, which may need further attention.
· Predlog uvaja pravila o enakovrednosti režimov solventnosti tretjih držav, ki bodo vplivala na skupine s podružnicami v EU ali zunaj nje.
· The proposal will introduce rules on the equivalence of third country solvency regimes, which will have consequences for groups with subsidiaries in or outside of the EU.
O enakovrednosti se je mogoče sporazumeti samo s suverenimi nacionalnimi državami, in ne njihovimi deli.
Equivalence can only be agreed with sovereign Nations States and not parts of such Countries.
Če je edini režim solventnosti tretje države vsaj enakovreden režimu EU, mora izračun solventnosti skupine upoštevati (po)zavarovalniške podružnice, SCR in primerna lastna sredstva, kot to določa zadevna tretja država.
Where the solo solvency regime of a third-country is at least equivalent to that of the EU, the group solvency calculation shall take into account, as regards that third-country (re)insurance subsidiaries, the SCR and eligible own funds as laid down by this third country.
Nadzornik skupine izvede preverjanje enakovrednosti in se pred sprejemom odločitve posvetuje z drugimi vpletenimi organi in z Odborom evropskih nadzornikov za zavarovanje in poklicne pokojnine.
The group supervisor shall carry out the verification of equivalence and shall consult the other supervisors concerned and CEIOPS before making a decision.
Komisija odloči, ali je režim solventnosti tretje države enakovreden.
The Commission shall decide whether the third country solvency regime is equivalent.
Vendar je to mogoče skleniti samo z regulativnim postopkom s pregledom, ki vključuje Evropski parlament.
However, this can only be concluded by regulatory procedure with scrutiny involving the European Parliament.
Zato poročevalec predlaga pojasnitev tega vprašanja v spremenjenem besedilu, v skladu z navedenimi pomisleki.
The rapporteur proposes to clarify these issues in the amended text, accordingly to the above-mentioned concerns.
Direktiva o solventnosti II posodablja štirinajst obstoječih direktiv o zavarovanju in pozavarovanju.
Solvency II is a directive that updates the 14 existing directives on insurance and reinsurance.
Ker gre za prenovo, je mogoče predloge sprememb vlagati samo k novemu besedilu.
It is in a recast format so that only the new parts are open for amendment.
Glavni namen direktive je opredeliti kapitalske zahteve oziroma zahteve glede solventnosti ob upoštevanju tveganja, ugotovljenega na podlagi celotnega poslovanja zavarovalnice.
The main purpose of the directive is to make the capital, or solvency requirements, depend upon risk, analysed in the context of the whole business of the undertaking.
To je tako kvalitativno kot kvantitativno.
This is qualitative as well as quantitative.
Še posebej je treba poudariti, da so zavarovalnice izpostavljene tveganju ne samo v zvezi z obveznostmi, temveč tudi s sredstvi, ki jih imajo za pokritje teh obveznosti.
In particular it should be noted that insurance companies are exposed to risk not only for liabilities but also in the assets that they hold to cover those liabilities.
Njihov neuspeh je bil dejansko večkrat posledica težav s sredstvi kot težav z obveznostmi.
Indeed failures of insurance companies have more often been as a result of asset problems than liability problems.
Analiza tveganja naj bi se izvajala na podlagi modelov.
The risk analysis is done on the basis of models.
Ti modeli so lahko standardni, vendar bodo lahko oziroma naj bi velike zavarovalnice razvile lastne modele, ki jih bo moral potrditi nadzorni organ.
Standard models can be used but large undertakings will also be able, indeed expected, to develop their own internal models which will be approved by the supervisor.
Skupine bodo lahko zahtevale, da se jih nadzira kot celoto, da bodo bolje izkoristile učinke diverzifikacije pri izračunu tveganj, zaradi česar bodo kapitalske zahteve manjše, kot če bi sešteli zahteve za posamezne samostojne subjekte.
Groups can also request that they be supervised as a whole so as to benefit from the greater diversification that it brings into the risk calculations, resulting in a lower capital requirement than would be the case for the sum of the solo entities.
Kapitalske zahteve so razdeljene na zahtevani minimalni kapital, to je raven kapitala, ki ga mora imeti vsaka zavarovalnica, da lahko še naprej posluje z dovoljenjem.
Capital is divided into a minimum capital requirement (MCR) which is the level that each undertaking must always have in order to continue in full authorisation.
Zahtevani solventnostni kapital je raven kapitala, ki naj bi ga zavarovalnica običajno imela, in če je ta meja presežena, je to opozorilo, da utegne posredovati nadzorni organ.
The Solvency Capital Requirement (SCR), is a higher level of capital that should normally be held and, if breached, acts as an early warning for supervisory intervention.
Skupina (matično podjetje ali holding) ima lahko dodatna solventnostna sredstva, ki presegajo zahtevani minimalni kapital.
The additional SCR assets, over and above the MCR, may be held at Group (parent or holding company) level.