natgillin/translations-raw huggingface dataset:
Gre za temo, ki se je začela tri leta po začetku kroga pogajanj (2004), v zvezi s katero se razvija dejansko soglasje med državami.
Facilitation is currently the subject of important negotiations in Geneva under the Doha Round, one which is being addressed three years after the start of the Round (2004) and on which a genuine consensus between countries is taking shape.
Vendar na tem področju ni mogoče skleniti dogovora, dokler se ne obravnavajo vse točke kroga pogajanj v skladu z načelom „enotne zaveze“.
However, it will only be possible to reach an agreement in this field when all the issues of the Round have been dealt with, in accordance with the ‘Single Undertaking’ principle.
Zaradi upočasnitve pogajanj v Dohi zaradi nekaterih tem, zlasti kmetijstva, se je torej zaustavila celotna reforma poenostavitve trgovine.
However, since certain topics such as agriculture have slowed down the Doha negotiations, the entire trade facilitation reform has ground to a halt.
Zato poročevalec poziva k prekinitvi poenostavitve trgovine z „enotno zavezo“ in zahteva, da se to vprašanje obravnava posebej.
That is why your rapporteur is calling for trade facilitation to be removed from the ‘Single Undertaking’ and to be dealt with separately.
Pomanjkanje usklajevanja vzrok za krhek carinski sistem
A lack of harmonisation: the cause of a fragile customs system
Poročevalec poudarja, da je stalno pomanjkanje usklajevanja očiten vzrok ogroženosti evropskega carinskega sistema.
Your rapporteur wishes to stress that the ongoing lack of harmonisation is a clear cause of the weakening of the European customs system.
Ta sistem se je obravnaval v postopku, ki so ga pri organu Svetovne trgovinske organizacije za reševanje sporov sprožile Združene države Amerike.
This system was the subject of legal proceedings, initiated by the United States, before the WTO Dispute Settlement Body.
To pomanjkanje med drugim povzroča različno obravnavo podjetij.
This deficiency also results in companies being treated differently.
Neskladno je na primer, da lahko pobiranje DDV za uvoz izvajajo carinske uprave ali da se omogoči podjetjem plačilo DDV na domačem trgu.
For instance, it is illogical for VAT to be collected on imports by customs administrations or for companies to be given the option of paying VAT under a domestic system.
Poročevalec priznava, da je postopek usklajevanja težek, ker obstajajo bistvene omejitve.
Your rapporteur acknowledges that the harmonisation process is difficult, as there are intrinsic limits to it.
Vendar poročevalec spodbuja ta postopek in poudarja, da razpad izvajanja naše trgovinske politike in naših skupnih carinskih pravil v vseh nacionalnih upravah pomeni resno oviro in Komisijo zavezuje za stalno prizadevanje za uskladitev.
However, he wishes to encourage this process and would stress that the fragmented implementation of our trade policy and common customs rules, split as they are between all national administrations, is a serious handicap which constantly obliges the Commission to make great efforts of coordination.
Ustanovitev carinske uprave
The establishment of a customs administration
Poročevalec ugotavlja, da reforma carinskega zakonika pomeni prednostno nalogo Evropske komisije in da je to tudi brez institucionalne reforme zelo zapletena naloga.
Your rapporteur understands that the reform of the Customs Code is a priority for the Commission and that it is already a sufficiently complex task without being combined with institutional reform.
Vendar namerava poročevalec sprožiti izhodišče za razmislek o ustanovitvi evropske javne carinske službe s predlogom, ki bo preučil možnost celostne uskladitve nacionalnih carinskih uprav za upravo Skupnosti, odgovorno za carinsko unijo.
However, he wishes to open up a debate on the establishment of a European customs civil service by proposing that consideration be given to the possible creation of integrated and coordinated national customs administrations, with a view to moving towards a Community administration in charge of the customs union.
Seveda logika usklajevanja, ki je vedno bolj usmerjena k carinskim pravilom, pomeni, da vloga carine postaja dejansko enaka v vsej Uniji.
Indeed, the increasingly pro-harmonisation nature of the customs rules means that the role of customs is in practice becoming identical throughout the Union.
o konkurenci: preiskava sektorja v zvezi z bančnim poslovanjem s prebivalstvom
on Competition: Sector inquiry on retail banking
- ob upoštevanju sporočila Komisije o preiskavi sektorja v skladu s členom 17 Uredbe št. 1/2003 v zvezi z bančnim poslovanjem s prebivalstvom ( KOM(2007)0033 ),
- having regard to the Commission Communication on the Sector Inquiry under Article 17 of Regulation (EC) No 1/2003 on retail banking ( COM(2007)0033 ),
- ob upoštevanju Vmesnega poročila I z dne 12. aprila 2006 o plačilnih karticah ter Vmesnega poročila II z dne 17. julija 2006 o tekočih računih in z njimi povezanih storitvah,
- having regard to the Interim report 1 of 12 April 2006 on payment cards and the Interim report 2 of 17 July 2006 on current accounts and related services,
- ob upoštevanju zelene knjige o maloprodajnih finančnih storitvah na enotnem trgu ( KOM(2007)0226 ),
- having regard to the Green paper on retail financial services in the Single Market ( COM(2007)0226 ),
- ob upoštevanju sporočila Komisije „Enotni trg za Evropo 21. stoletja“ ( KOM(2007)0724 ),
- having regard to the Commission Communication entitled 'A Single Market for 21st century Europe' ( COM(2007)0724 ),
- ob upoštevanju nedavnega sklepa o večstranskih medfranšiznih provizijah Mastercarda znotraj EGP (COMP 34/579 MasterCard),
- having regard to the recent decision on Mastercard's intra-EEA multilateral interchanges fees (COMP 34/579 MasterCard),
- ob upoštevanju Direktive 2006/48/ES Evropskega parlamenta in Sveta z dne 14. junija 2006 o začetku opravljanja in opravljanju dejavnosti kreditnih institucij (preoblikovano)
- having regard to the Directive 2006/48/EC of the European Parliament and of the Council of 14 June 2006 relating to the taking up and pursuit of the business of credit institutions (recast)
(Direktiva o kapitalski ustreznosti) in Direktive 2006/49/ES Evropskega parlamenta in Sveta z dne 14. junija 2006 o kapitalski ustreznosti investicijskih družb in kreditnih ustanov (preoblikovano)
(Capital Requirements Directive) and Directive 2006/49/EC of the European Parliament and of the Council of 14 June 2006 on the capital adequacy of investment firms and credit institutions (recast)
(Direktiva o kapitalski ustreznosti),
(Capital Adequacy Directive),
- ob upoštevanju Direktive 2007/64/ES Evropskega parlamenta in Sveta z dne 13. novembra 2007 o plačilnih storitvah na notranjem trgu
- having regard to the Directive 2007/64/EC of the European Parliament and of the Council of 13 November 2007 on payment services in the internal market
- ob upoštevanju stališča, sprejetega na drugi obravnavi 16. januarja 2008, za sprejetje Direktive Evropskega parlamenta in Sveta o učinkovitosti končne rabe energije in energetskih storitvah ter o razveljavitvi Direktive Sveta 80/102/EGS
- having regard to its position adopted at second reading on 16 January 2008 with a view to the adoption of a directive of the European Parliament and of the Council on credit agreements for consumers and repealing Council Directive 80/102/EEC
- ob upoštevanju svoje resolucije z 11. julija 2007 o beli knjigi o politiki finančnih storitev za obdobje 2005–2010,
- having regard to its resolution of 11 July 2007 on the White paper on financial services policy 2005 - 2010
Sprejeta besedila, P6_TA(2007)0338 .
Texts Adopted, P6_TA(2007)0338 . ,
- ob upoštevanju svoje resolucije s 4. februarja 2006 o konsolidaciji na področju industrije finančnih storitev
- having regard to its resolution of 4 July 2006 on Consolidation in the European financial services industry
Sprejeta besedila, P6_TA(2006)0294 . ,
Texts Adopted, P6_TA(2006)0294 . ,
– ob upoštevanju poročila Odbora za ekonomske in monetarne zadeve ( A6-0185/2008 ),
– having regard to the report of the Committee on Economic and Monetary Affairs ( A6‑0185/2008 ),
A. ker je dobro delujoči povezan finančni trg nujen za uresničevanje ciljev lizbonske strategije, da bi EU postala najbolj konkurenčen in dinamičen, na znanju temelječ gospodarski prostor na svetu, ki bo sposoben trajnostne gospodarske rasti z večjim številom kakovostnejših delovnih mest,
A. whereas a well-functioning integrated financial market is a necessary precondition for the achievement of the Lisbon agenda in order to provide the European Union with the most competitive and dynamic knowledge-based economy in the world, capable of sustainable economic growth with more and better jobs,
B. ob upoštevanju osrednje vloge, ki jo imajo banke, ki poslujejo s prebivalstvom, pri ustreznem podajanju pogojev monetarne politike na trg, zlasti malim in srednjim podjetjem ter strankam,
B. considering the essential role played by retail banks in passing on, as appropriate, monetary policy conditions to the market, particularly to small and medium-sized enterprises (SMEs) and consumers,
C. ker je treba izboljšati maloprodajne finančne storitve, da se lahko izpelje akcijski načrt za finančne storitve (FSAP), ter kot tak koristi potrošnikom in prodajalcem na drobno,
C. whereas in order to complete the Financial Services Action Plan and deliver its full benefits to consumers and retailers, there is a need to improve retail financial services,
D. ker je dostop do osnovnih bančnih storitev, kot je odprtje bančnega računa, pravica vsakega državljana,
D. whereas access to basic banking services, such as opening a bank account, is a right for every citizen,
E. ker je sektor bančnega poslovanja s prebivalstvom pomemben za gospodarstvo EU z vidika rasti in zaposlovanja, pa tudi za potrošnike ter mala in srednja podjetja,
E. considering the importance of the retail banking sector for the EU economy in terms of growth and employment and its importance for consumers and SMEs,
F. ker se potrošniška politika v Evropski uniji sooča s težavami pri usklajevanju, finančni produkti pa so zapleteni,
F. considering the difficulties relating to the harmonisation of consumer policy in the European Union and the inherent complexity of financial products,
G. ker je politika konkurence EU pomembna za dokončno vzpostavitev notranjega trga in za dobro delovanje resnično enakih konkurenčnih pogojev za vse akterje,
G. considering the importance of EU competition policy for the completion of the internal market and the good functioning of a real level playing field for all actors,
H. ker je raznolikost pravnih modelov in poslovnih ciljev finančnih subjektov v sektorju bančnega poslovanja s prebivalstvom (banke, hranilnice, zadružne banke) bistvena opora gospodarstvu EU, ki bogati sektor, ustreza pluralistični strukturi trga in pripomore k povečanju konkurenčnosti na notranjem trgu,
H. Whereas the diversity of legal models and business objectives of the financial entities in the retail banking sector (banks, savings banks, cooperatives, etc) is a fundamental asset to the EU's economy which enriches the sector, corresponds to the pluralist structure of the market and helps to increase competition in the internal market,
I. ker je treba doseči ravnovesje med visoko stopnjo varstva potrošnikov in ustreznim delovanjem notranjega trga,
I. considering the need to balance a high degree of consumer protection with the proper functioning of the internal market,
4. poudarja, da zelo razdrobljen zakonodajni okvir ovira razvoj čezmejne ponudbe bančnih storitev; zato podpira pobudo Komisije o ponovni obravnavi Direktive 2002/65/ES Evropskega parlamenta in Sveta z dne 23. septembra 2002 o trženju finančnih storitev potrošnikom na daljavo
Points out that a highly fragmented regulatory framework is an impediment to the development of the cross-border supply of banking services; supports, therefore, the Commission initiative to reopen consideration of Directive 2002/65/EC of the European Parliament and of the Council of 23 September 2002 concerning the distance marketing of consumer financial services
Direktiva 2000/31/ES Evropskega parlamenta in Sveta z dne 8. junija 2000 o nekaterih pravnih vidikih storitev informacijske družbe, zlasti elektronskega poslovanja na notranjem trgu (Direktiva o elektronskem poslovanju) (UL L 178, 17.7.2000, str.
Directive 2000/31/EC of the European Parliament and of the Council of 8 June 2000 on certain legal aspects of information society services, in particular electronic commerce, in the Internal Market (Directive on electronic commerce) (OJ L 178, 17.7.2000, p.
5. meni, da lahko tudi izvajanje zakonodaje za preprečevanje pranja denarja predstavlja oviro za mobilnost strank pri, na primer, odpiranju čezmejnih tekočih računov zaradi različnih zahtev o identifikaciji in preverjanju, ki jih morajo izpolnjevati banke; poziva Komisijo, naj oceni vpliv, ki ga imajo pravila iz zakonodaje proti pranju denarja na mobilnost strank;
Takes the view that even the implementation of money laundering legislation may constitute an obstacle to consumer mobility in terms, for example, of the opening of cross‑border current accounts, given the varying requirements relating to identification and verification that the banks must fulfil; calls on the Commission to assess the impact on consumer mobility of the rules laid down in money laundering legislation;
7. poziva, da poenostavitev predpisov o finančnih storitvah in odprava ovir za mobilnost strank ne smeta voditi k nižjim standardom varstva potrošnikov v državah članicah;
Urges that the simplification of financial service regulations and the dismantling of barriers to consumer mobility should not lead to lower standards of consumer protection in the Member States;
10. meni, da so osnovne finančne storitve, kot je odprtje bančnega računa, pravica, in poziva Komisijo, naj opredeli ovire za izvajanje te pravice in v zvezi s tem najboljše prakse v finančnem sektorju poslovanja s prebivalstvom;
Considers that access to basic financial services, such as opening a bank account, is a right and calls on the Commission to identify the obstacles to the exercise of that right and the best practices followed in the retail financial sector in that respect;
Obveščanje in preglednost
Information and transparency
14. pozdravlja študijo Komisije o regulativnem okolju za produkte malih vlagateljev in verjame, da bo to vodilo k boljšemu razkritju stroškov, tveganj in pogojev ter tako zagotovilo uporabne čezmejne primerjave;
Welcomes the Commission’s study of the regulatory landscape for retail investment products and trusts that this will lead to better disclosure of costs, risks and conditions and thereby provide useful cross-border comparisons;
Izobraževanje potrošnikov glede bančnega poslovanja s prebivalstvom
Consumer education relating to retail banking
Posojila – evidence in posredniki
Credits - registers and intermediaries
21. poziva Komisijo, naj poveča delovanje na področju kreditnih posrednikov (agentov ali borznih posrednikov), da bi zagotovila varstvo potrošnikov in preprečila nepregledno prodajo, ki škoduje predvsem ranljivejšim skupinam strank; v zvezi s tem pozdravlja zavezo Komisije o objavi študije o analizi trga kreditnih posrednikov EU, ki pregleduje njegov zakonodajni okvir in preverja ali katere določbe škodujejo potrošnikom;
Calls on the Commission to intensify its work on credit intermediaries (agents or brokers) in order to ensure consumer protection and avoid opaque practices which are particularly damaging to more vulnerable groups of consumer; welcomes the Commission's commitment, in this context, to publish a study analysing the EU credit intermediation market, reviewing its regulatory framework and examining whether any provisions are detrimental to consumers;
Sodelovanje med bankami
Cooperation between banks
25. meni, da lahko nediskriminatorno sodelovanje med neodvisnimi kreditnimi subjekti, ki je zaradi medsebojne konkurenčnosti učinkovitejše ter zagotavlja večjo interoperatibilnost in večji izbor storitev za končne potrošnike, pripomore sektorju pri delovanju in doseganju ciljev iz odstavka 12;
Maintains that non-discriminatory cooperation between independent credit entities, which, as they are still competing with each other, is more efficient and ensures greater interoperability and variety of services to the end consumers, can help the sector to function and contribute to achieving the objectives set out in paragraph 12;
Plačilni sistemi
Payment systems
27. poziva Komisijo, naj pregleda ali prenos direktive o plačilnih sistemih zmanjšuje število ponudnikov sistemov poravnave plačil ter takoj sprejme ukrepe, če večji ponudniki razvijejo monopolni položaj, ki bi lahko zmanjšal konkurenčnost;
Calls on the Commission to investigate whether the transposition of the Payment Services Directive is reducing the number of providers of payment settlement services and to take immediate steps if major providers develop a monopoly position that could reduce competition;
30. opozarja Komisijo, da je pomembneje, da se osredotoči na provizije in cene, kot na doseganje večje preglednosti v sektorju pri obveščanju strank o naravi plačilnih produktov in storitev ter njihovih pravicah, ki jih imajo kot stranke, in s tem spodbuja konkurenčnost na trgu;
Reminds the Commission that it is as important to focus on fees and prices, as it is to achieve greater transparency of the industry in communicating to the consumers the characteristics of payment products and services and their rights and obligations as users, thus stimulating more competition in the market;
Splošne opombe
General considerations
Razveseljivo je, da se je Komisija v preiskavi sektorja osredotočila na raven učinkovitosti in delovanja sektorja, kot je bančno poslovanje s prebivalstvom, ki je še posebej občutljivo, saj so njegove ciljne skupine družine ter mala in srednja podjetja, in ker je še vedno najpomembnejši bančni podsektor, ki predstavlja več kot 50 % celotne dejavnosti v EU v smislu bruto prihodka.
It is to be welcomed that the Commission, in its sector inquiry, has focused its attention on the level of efficiency and functioning of a sector such as retail banking, which is particularly sensitive since it is targeted at families and small and medium-sized enterprises, and because it is still today the most important banking sub-sector, accounting for over 50% of total EU activity in terms of gross income.
Ta preiskava bi lahko bila vprašljiva z vidika nekaterih metodoloških opcij, ki jih je sprejela Komisija, pri primerjavi različnih tržnih realnosti in nacionalnih sistemov, vendar podaja zelo natančno in realistično sliko, ki pojasnjuje delovanje trga in njegove največje napake ter ugotavlja, kako bi jih bilo mogoče s pravili konkurence odpraviti.
The Commission inquiry may be questionable in terms of some of the methodological options it adopts in comparing various market realities and national systems, but it paints a very accurate and realistic picture, clarifying how the market operates, noting its main defects and considering how to remedy them through the competition rules.
Poročevalec se v celoti strinja s pomisleki, ki jih je Komisija izrazila v preiskavi sektorja, in sicer v zvezi s konkurenco na področju plačilnih sistemov, zlasti sistemov plačevanja s plačilnimi karticami, z evidencami posojil in predvsem z določanjem cen in politike bančnih subjektov.
The sector inquiry noted some concerns, fully shared by your rapporteur, with regard to competition in the payment systems industry, especially card payment systems, to credit registers and, above all, to the setting of prices and policies by bank operators.
V zvezi z dejavnostmi zadružnih bank in hranilnic pa Komisija podcenjuje nekatere tipične značilnosti teh bank, na primer njihovo prisotnost na območjih, ki so opredeljena kot oddaljena, raven zakoreninjenosti na ozemlju in vlogo v družbi.
As regards the activities of cooperative and savings banks, the Commission underestimates some of the typical features of such banks, such as their presence in areas considered to be outlying, the degree to which they are rooted in the territory and their social role.
Treba je poudariti, da so te značilnosti nadvse pomembne, tudi z vidika učinkovitosti storitev.
It has to be said that the latter features are particularly important also in terms of the efficiency of the services.
Poročevalec meni, da so preprosti samoregulativni ukrepi za bančni sektor neustrezno orodje za izboljšanje učinkovitosti maloprodajnih storitev.
Your rapporteur believes that simple self-regulatory measures for the banking industry are an inadequate tool for improving the efficiency of retail services.
Zato je zaželena pobuda za evropsko zakonodajo, ki bi zagotovila tržno učinkovitost, potrošnikom pa omogočila izbiro med ugodnejšimi ponudbami.
That is why a European legislative initiative would be desirable, to ensure market efficiency and give consumers better bargains.
Komisija mora zato sprejeti ustrezne ukrepe z okrepitvijo prava konkurence in s sprejetjem političnih pobud.
The Commission should therefore adopt the appropriate measures, both by enforcing competition law and by taking policy initiatives.
1. – Bančne storitve
1. - Banking services
Bančne storitve so poseben primer, ker lahko zaupanje med bankami in njihovimi strankami zmanjša potrošnikovo težnjo, da sproži konkurenčne mehanizme, poleg tega pa krepi tržno moč podjetja, ki v nekaterih primerih določa višje cene.
Banking services are a special case in that the relationship of trust between banks and their customers can weaken the consumer’s drive to trigger competition mechanisms; it also increases companies’ market power, which, in some cases, determines higher prices.
Težava je v tem, da lahko banke z izkoriščanjem tega položaja sprejmejo tržne ukrepe, ki strankam otežujejo prekinitev odnosa z banko ali jim onemogočajo razumevanje in primerjavo storitev in njihovih cen na trgu.
The problem is that, in exploiting this position, the banks can take commercial measures which make it expensive for clients to end their relationship with the bank or which impede the client’s ability to understand and compare the features and prices of the services offered on the market.
Veliko imetnikov tekočega računa na tem trgu ima na voljo zelo malo oziroma nobenih informacij, bančni sektor v nekaterih državah pa je to asimetrijo informacij kot kaže izkoristil.
The fact that in this same market there are a host of current-account holders who have hardly any information, or none at all, appears to have allowed the banking industry, in some countries, to take advantage of this information asymmetry.
Zato je jasno pomembno, da se na evropski ravni prizadeva za pospešitev pobud za izboljšanje finančne pismenosti.
That is why it is clearly important to work at European level with a view to stepping up financial literacy initiatives.
Povpraševanje lahko postane mobilnejše tudi s pomočjo shem za finančno pismenost in boljše preglednosti, s čimer se spremeni obstoječe ravnovesje med ponudbo in povpraševanjem, ki je značilno za trg bančnih storitev.
It is also through financial literacy schemes and greater transparency that demand can become more mobile, thereby altering the current balance between supply and demand which is a typical feature of the banking services market.
V tem smislu poročevalec pozdravlja pobude Komisije na področju finančnega opismenjevanja z objavo sporočila KOM(2007)0808 z 18. decembra 2007.
In this regard your rapporteur supports the action being taken by the Commission on financial education, through its publication of Communication COM (2007) 0808 of 18 December 2007.
Pomembno je, da se potrošnikov na nikakršen način ne odvrača od ali se jim ne preprečuje zamenjave ponudnika.
It is important that consumers who wish to change supplier are not discouraged or hampered in any way from doing so.
Na trgu z obveščenimi in mobilnimi potrošniki morajo finančne ustanove med seboj tekmovati, da jih privabijo in zadržijo.
A market in which consumers are informed and mobile means that financial establishments need to compete in order to attract and retain them.
1(a) – Politika vezane prodaje
1(a) - Tying policies