natgillin/translations-raw huggingface dataset:
Če podružnica ne more več zagotoviti zahtevanega minimalnega kapitala (in običajno takrat, preden ga doseže), nadzorni organ zahteva prenos kapitala v podružnico.
If a subsidiary falls below the MCR (and normally before that is reached) supervisors will require transfer of capital to the subsidiary.
Za uspešen nadzor skupin je osrednjega pomena sodelovanje med nacionalnimi nadzornimi organi v državah gostiteljicah, kjer so podružnice, in v državi, kjer ima sedež matično podjetje.
Fundamental to operation of the group supervisory processes is cooperation between national supervisors in the host states with subsidiaries and the home state of the parent company.
Nadzorni organ iz države, kjer ima sedež matično podjetje, ima kot nadzornik skupine večjo vlogo.
The supervisor from the home country of the parent company has an enhanced role as the 'group supervisor'.
Naloga Odbora evropskih nadzornikov za zavarovanja in poklicne pokojnine (CEIOPS) je poravnava sporov med nadzorniki in zbliževanje predpisov.
The Committee of European Insurance and Occupational Pensions Supervisors (CEIOPS) also has a role in dispute settlement between supervisors and achieving regulatory convergence.
V tem okviru je nekaj področij, na katera je treba še posebej opozoriti:
Within this framework there are several areas that it is wished to draw to the particular attention of the European Parliament:
Nadzor skupin
Group Supervision
Bolje je treba pojasniti, da so pri nadzoru skupin udeleženi vsi nadzorni organi, da morajo imeti vsi rutinski dostop do dokumentacije in da dejavno sodelujejo pri odločanju.
It is necessary to make it clearer that all supervisors are involved in group supervision, that all should have access to documentation as a routine matter and be dynamically involved in decision making.
Prenos sredstev za pomoč skupine
Transfer of Funds in Group Support
Nujno je treba omogočiti prenos sredstev med zavarovalnicami.
Ensuring that funds are movable between undertakings is paramount.
Če ima matična družba ali holding na voljo sredstva, ki jih ne potrebuje, je veliko preprosteje, če obstaja pravna struktura, ki omogoča prenos teh sredstev, in to je lahko vsaj v prvi fazi najboljša možnost.
If spare funds are with the parent or holding company then it is much more straightforward to have legal structures in place enabling the transfer, and this may be the best option at least in the first instance.
Nacionalni nadzorni viri in odgovornost
National Supervisory Resources and Responsibility
Nov nadzorni režim zahteva poglobljeno razumevanje tveganja v zvezi s premoženjem in odgovornostjo.
The new supervisory regime requires an in depth understanding of both asset and liability risk.
Odločitve so količinske in kakovostne.
Decisions are both quantitative and qualitative.
Zato je bistveno nadzornikom omogočiti zadostne vire za preudarno sprejemanje odločitev v zvezi z vsemi podjetji in ne le v zvezi s tistimi, za katera se ocenjuje, da imajo ključno vlogo pri stabilnosti trga.
It is essential that supervisors have the resources to do this thoroughly, across all undertakings, not just those that are perceived as crucial to market stability.
Treba je tudi pojasniti, da imajo nacionalni nadzorniki pri opravljanju nalog nadzornika skupine mandat, ki presega nacionalni okvir, kar pomeni, da morajo ščititi interese vseh zavarovalcev.
It also needs to be clarified that when national supervisors act as group supervisors they have a mandate beyond that which is purely national and they must safeguard the interests of all policyholders.
Ukrepi, ki so bili ustrezno sprejeti na ravni nadzornika skupine, ne bi smeli sprožiti pravnih postopkov zaradi tega, ker so bile ogrožene odgovornosti na nacionalni ravni.
Actions properly taken as a group supervisor should not result in legal proceedings that those actions have compromised national responsibilities.
Odbor evropskih zavarovalnih in pokojninskih nadzornikov (CEIOPS) kot pravna oseba
Legal Entity for CEIOPS
Trenutno CEIOPS ni pravna oseba, ampak svetovalni odbor Komisije.
At present CEIOPS does not have a legal entity but is an advisory committee to the Commission.
Glede na specialistično naravo nekaterih mnenj tega odbora gre pravzaprav za sklepe, ne glede na to, kako jih imenujemo.
Given the specialist nature of some of the advice, it is in essence a decision, however it is phrased.
Če bi bil CEIOPS pravna oseba, bi nosil večjo odgovornost za svoja mnenja.
If CEIOPS had a legal entity it would be more accountable for that advice.
To je mogoče doseči z uredbo, ki bi začela veljati najpozneje do začetka izvrševanja te direktive, ali na kakšen drug način, na primer v okviru pregleda Lamfalussyjevega postopka.
This could be done via a Regulation entering into force at the latest with the implementation of this directive unless it has been done by other channels, for example as part of the Lamfalussy review.
Odločitev Sodišča Evropskih skupnosti v zadevi C-217/04 z dne 2. maja 2006 o tem, da je člen 95 lahko osnova za ustanovitev organa, kaže na to, da bi ta lahko veljala tudi za člen 47, ki je temelj tudi te direktive.
The ECJ Case C-217/04 of 2 May 2006 which indicates that Article 95 can be a basis for setting up a body could, by extension, also apply to Article 47 on which this directive is also based.
Uresničevanje doslednega pristopa EU do nadzorne odgovornosti
Achieving a consistent EU approach to supervisory liability
V EU je na splošno prisotno stališče glede odgovornosti, ki je "prijazno" do nadzornikov, zahtevek za odškodnino pa se načeloma lahko poda le na podlagi velike malomarnosti ali nepoštenega ravnanja, čeprav se kontrola razlikuje v različnih državah.
In general in the EU there is a ‘regulator friendly’ view of liability and any claim for compensation can generally only be made on the basis of gross negligence or bad faith, although the test varies in different countries.
Sodišče Evropskih skupnosti je sprejelo odločitev, da to ni v nasprotju s pravom EU.
The ECJ has said this approach does not run counter to EU law.
Zlasti v zadevi Peter Paul je Sodišče presodilo, da država članica (to je storila Nemčija) lahko določi, da nadzorniki opravljajo naloge samo v javnem interesu in zato posamezniki ne morejo zahtevati odškodnine za pomanjkljivo opravljen nadzor.
In particular in the Peter Paul case the ECJ ruled that a Member State can (as Germany did) legislate that supervisors fulfil functions only in the public interest and thereby preclude individuals from claiming compensation for defective supervision.
Zato ostaja politično vprašanje, ali se želi priznati pravica do odškodnine proti nadzornim organom.
So the question is a political one as to whether one wishes to recognise some right to reparation against supervisory authorities.
Parlament se je pri glasovanju o primeru "Equitable Life" nedvomno zavzel za to in zagotovo se zdi razumno omogočiti večjo stopnjo usklajevanja na področju čezmejnega delovanja nadzornika skupine (pravna podlaga pravzaprav izhaja iz tega).
It was certainly the view of the Parliament to do so in the vote on the Equitable Life enquiry and it certainly seems reasonable, in the context of group supervisory functions going cross border, for there to be more harmonisation (indeed this probably provides the legal base).
Jamstveni sistemi
Guarantee schemes
Ker zavarovalništvo vse bolj postaja čezmejni posel in ker je tudi nadzor čezmejni, bi bilo treba oblikovati tudi čezmejne jamstvene sisteme, ki bi bili vsaj enakovredni in bi upoštevali nadzorne strukture.
With an increasing cross border nature to insurance business, and with cross border supervision, it is appropriate for there to be cross border guarantee schemes that are at least equivalent and take account of the supervision structures.
Za to je potrebno nadaljnje delo, ki pa nima možnosti za logično umestitev v to direktivo.
Further work to that end is necessary but beyond the possibility of reasonable inclusion in this directive.
Način prenove
The recasting technique
V skladu z medinstitucionalnim sporazumom z dne 28. novembra 2001 o bolj sistematični rabi metode prenove za pravne akte, še posebej z njegovo 9. točko, se je svetovalna delovna skupina, ki jo sestavljajo predstavniki pravnih služb Evropskega parlamenta, Sveta in Komisije, srečala 13. marca 2008, da bi preučila predlog, ki ga je predložila Komisija.
Under the Inter-institutional Agreement of 28 November 2001 on a more structured use of the recasting technique for legal acts, and in particular pursuant to point 9 thereof, the Consultative Working Party, consisting of the respective legal services of the European Parliament, the Council and the Commission, met on 13 March 2008 for the purpose of examining the proposal submitted by the Commission.
Svetovalna delovna skupina je po preučitvi prišla do medsebojnega soglasja, da predlog ne vsebuje nikakršnih bistvenih sprememb razen tistih, ki so bili opredeljeni kot taki.
The said examination resulted in the Consultative Working Party’s establishing by common accord that the proposal does not comprise any substantive amendments other than those identified as such.
Delovna skupina je v zvezi s kodifikacijo nespremenjenih določb iz predhodnega akta s temi bistvenimi spremembami zaključila, da predlog Komisije vsebuje jasno kodifikacijo obstoječega besedila brez vsebinskih sprememb.
The Working Party also concluded, as regards the codification of the unchanged provisions of the earlier act with those substantive amendments, that the proposal contains a straightforward codification of the existing text, without any change in its substance.
ob upoštevanju Pogodbe o ustanovitvi Evropske skupnosti in zlasti členov 47(2) , 55 Pogodbe in 95 ,
Having regard to the Treaty establishing the European Community, and in particular Articles 47(2) , 55 and 95 thereof,
Ta sprememba zagotavlja Komisiji, da lahko predlaga izvedbeno direktivo na ravni 2 ali izvedbeno uredbo na ravni 2 na podlagi te okvirne direktive.
This change will ensure the Commission is able to propose either level 2 implementing directive or level 2 implementing regulation on the basis of this framework directive.
Uvodna izjava A (novo)
Recital A (new)
A. ker po mnenju posvetovalne delovne skupine pravnih služb Evropskega parlamenta, Sveta in Komisije zadevni predlog ne predvideva bistvenih sprememb, razen tistih, ki so v njem opredeljene kot take, in ker je ta predlog, kar zadeva kodifikacijo nespremenjenih določb prejšnjih aktov in omenjene spremembe, zgolj kodifikacija obstoječih besedil brez vsebinskih sprememb,
A. whereas, according to the Consultative Working Party of the Legal Services of the European Parliament, the Council and the Commission, the proposal in question does not include any substantive amendments other than those identified as such in the proposal and whereas, as regards the codification of the unchanged provisions of the earlier acts together with those amendments, the proposal contains a straightforward codification of the existing texts without any change in their substance,
1. odobri predlog Komisije, kakor je bil spremenjen in usklajen s priporočili posvetovalne skupine pravnih služb Parlamenta, Sveta in Komisije;
Approves the Commission proposal as amended and as aligned with the recommendations of the groupe consultatif des services juridiques du Parlement, du Conseil et de la Commission;
(14a) Nadzor, temelječ na kvalitativnih in kvantitativnih načelih obvladovanja tveganja, bo verjetno zahteval večje nadzorne vire.
(14a) Basing supervision on qualitative as well as quantitative risk management principles is likely to require an increase in supervisory resources.
Ta odbor bi moral z uredbo, ki bi začela veljati sočasno s to direktivo, dobiti pravno podlago in pravni status.
That Committee should be given a legal basis and personality under a new regulation to enter into force at the same time as this Directive.
Odbor evropskih zavarovalnih in pokojninskih nadzornikov (CEIOPS) bo dobil pristojnosti za odločanje, na primer za reševanje sporov v zvezi s pomočjo skupine.
CEIOPS is being given decision making powers, for example to resolve disputes in group support.
V primeru pravnega spodbijanja njegovih odločitev bi bilo zaželeno in tudi odgovorno, če bi bil CEIOPS stranka v postopku, ne pa da ga zastopa Komisija.
In the event that there is a legal challenge to any such decision it is desirable, and more accountable, if CEIOPS is a party to any proceeding rather than being represented solely in the personality of the Commission.
Obe kapitalski zahtevi je treba uskladiti po vsej Skupnosti, da bi dosegli enotno raven zaščite zavarovalcev.
Both capital requirements should be harmonized throughout the Community in order to achieve a uniform level of protection for policyholders.
V ta namen morajo zavarovalnice in pozavarovalnice znotraj skupine imeti zadostna lastna sredstva za kritje svojega zahtevanega solventnostnega kapitala, razen če je zaščito zavarovalcev in upravičencev mogoče doseči kako drugače.
To this end insurance and reinsurance undertakings within a group should have sufficient own funds to cover their solvency capital requirement, unless the objective of protection of policyholders and beneficiaries can effectively be achieved otherwise.
Da bi vsi zavarovalci uživali enako zaščito, bi morale države članice omogočiti prosto gibanje sredstev in obveznosti, da bi se lahko solventnostni kapital in primerna lastna sredstva preoblikovala znotraj skupine za pomoč skupini in brez tveganja suspenzivnih ukrepov.
For the equal protection of all policyholders, Member States should provide for free movement of assets and liabilities to enable solvency capital and eligible own funds to be reconfigured within a group for the purposes of group support and without risk of suspensive actions.
Za države članice, kjer takšno gibanje še ni zagotovljeno, bi morala pomoč skupini v prehodnem obdobju vključevati tudi instrumente ali druge mehanizme, ki so potrebni za pravočasno prerazporeditev sredstev.
For those Member States where such movement is not yet guaranteed, group support should in the interim period additionally include those instruments or other mechanisms necessary to ensure that funds are transferred in good time.
Države članice tudi zagotovijo, da se zahtevki, ki izhajajo iz obveznosti pomoči skupine, obravnavajo tako kot zavarovalni zahtevki.
Member States should also ensure that claims arising from group support commitments are treated as equivalent to insurance claims.
(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.
(75) Pri nadzoru skupine bi morali sodelovati nadzorni organi iz vseh držav članic, v katerih imajo sedeže zavarovalnice iz skupine .
(75) S upervisors from all Member States in which an undertaking in the group is established should be involved in group supervision.
Nadzorniki bi v bistvu sestavljali kolegij.
Supervisors would essentially be a College.
Uvodna izjava 95 a (novo)
Recital 95 a (new)
(95a) Ker zavarovalništvo postaja vse bolj čezmejni posel, bi si bilo treba prizadevati za delovanje zavarovalnih jamstev po vsej Evropi, ki bi upoštevala nadzorne strukture.
(95a) Given the increasingly cross-border nature of insurance business, it is necessary to work on the functioning of insurance guarantee throughout Europe , taking account of the supervision structures.
To delo v teku bo opravljeno izven področja uporabe te direktive, ker bodo nove solventnostne zahteve zavarovalcem same po sebi ponudile višjo raven usklajene zaščite.
This work in progress will be done outside the scope of this Directive, since new solvency requirements will by themselves offer a high level of harmonised protection for policyholders.
Gre za pojasnitev.
It is a matter of clarification.
V tej fazi je koristno odprto pripravljati sisteme jamstev za zavarovanja po vsej Evropi.
It is useful at that stage to have an open work on the insurance guarantee schemes throughout Europe.
Sheme dopolnjujejo direktivo o solventnostni II, ki bo že zagotovila visoko in usklajeno zaščito za zavarovalce.
These schemes are a complement to the solvency II directive, which will already ensure a high and harmonized protection for policyholders.
(1) Brez poseganja v člene 5 do 10 se ta direktiva ne uporablja za zavarovalnice, katerih letni prihodek od premij ne presega 5 milijonov EUR.
(1) 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 .
(1) V prvih treh letih od trenutka, določenega v členu 310(1) , se ta direktiva ne uporablja brez poseganja v člene 5 do 10 za zavarovalnice, katerih letni prihodek od premij ne presega 5 milijonov EUR.
(1) For the first three years after the date referred to in Article 310(1), 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.
(2) Če se znesek iz odstavka 1 tri leta zapored preseže, se ta direktiva uporablja od četrtega leta.
(2) If the amount set out in paragraph 1 is exceeded for three consecutive years this Directive shall apply from the fourth year.
Najprej izvzeti mala podjetja je načeloma smiselno.
It is sensible to exclude small firms from the scope of the directive for the time being.
Olajšave preko načela sorazmernosti pa je treba najprej določiti in izvesti.
Concessions on the basis of the proportionality principle still have to be laid down and implemented.
Zato je najprej smiselno ohraniti prag za tri leta.
The threshold should be retained for the first three years, therefore.
Nato se pravila sorazmernosti uveljavijo in podjetja imajo dovolj časa, da se prilagodijo novim pravilom.
Afterwards proportionality rules will have been laid down and firms will have had long enough to adapt to the new rules.
Dolgoročno želijo tudi majhni zavarovatelji standard kakovosti Solventnost II.
In the long term, smaller insurance companies also want Solvency II quality standards.
Države članice zagotovijo, da so nadzornim organom zagotovljena potrebna sredstva za dosego glavnega cilja nadzora, to je zaščita zavarovalcev in upravičencev , ter da imajo ustrezno strokovno znanje in zmogljivosti .
Member States shall ensure that the supervisory authorities are provided with the necessary means , and have the relevant expertise and capacity, to achieve the main objective of supervision, namely the protection of policyholders and beneficiaries.
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 , četudi zadevno podjetje nima ključnega pomena za splošno finančno stabilnost trga .
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 even if the undertaking concerned is not vital for the overall financial stability of the market .
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 aktivnosti.
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.
Aktuarsko funkcijo izvajajo osebe, ki imajo ustrezno znanje aktuarske in finančne matematike in ki lahko, če je primerno, dokažejo svoje zadevne izkušnje in strokovna znanja z ustreznimi strokovnimi in drugimi standardi.
The actuarial function shall be carried out by persons with sufficient knowledge of actuarial and financial mathematics and able where appropriate, to demonstrate their relevant experience and expertise with applicable professional and other standards.
Aktuarsko funkcijo izvajajo osebe, ki imajo ustrezno znanje aktuarske in finančne matematike, imajo sposobnosti, ki so sorazmerne z zapletenostjo in strukturo tveganja zadevnega podjetja, in ki lahko, če je primerno, dokažejo svoje zadevne izkušnje in strokovna znanja z ustreznimi strokovnimi in drugimi standardi.
The actuarial function shall be carried out by persons with sufficient knowledge of actuarial and financial mathematics , having capacity proportionate to the complexity and risk structure of the undertaking concerned, and able where appropriate, to demonstrate their relevant experience and expertise with applicable professional and other standards.
Države članice zagotovijo, da nadzorni organi sodelujejo pri dejavnostih Odbora evropskih nadzornikov za zavarovanja in poklicne pokojnine v skladu z drugim odstavkom člena 2 Sklepa Komisije 2004/6/ES ter da jih nacionalni mandati, ki so bili podeljeni tem organom, ne ovirajo pri njihovem delovanju in dolžnostih v vlogi članov tega odbora ali v okviru te direktive .
Member States shall ensure that the supervisory authorities participate in the activities of the Committee of European Insurance and Occupational Pensions Supervisors pursuant to the second paragraph of Article 2 of Commission Decision 2004/6/EC , and that national mandates conferred on supervisors do not inhibit the performance by them of their duties as members of that Committee or under this Directive .
Beseda ustreznost ne zadošča, saj se v členu 83 pojavljata še "veljavnost in relevantnost.
Adequate is insufficient given that "applicability and relevance" appears in Article 83.
Člen 109 – odstavek 1 – točka (c)
Article 109 – paragraph 1 – point (c)
(c) korelacijske parametre in postopke za posodabljanje teh parametrov ;
(c) the correlation parameters and procedures for the updating of those parameters ;
Nedavna finančna kriza je pokazala, da se lahko pojavi potreba po hitri prilagoditvi korelacijskih parametrov.
As has been shown by the recent financial crisis correlation parameters may need to be adjusted quickly.
Člen 130 – odstavek 4 – pododstavek 5 a (novo)
Article 130 – paragraph 4 – subparagraph 5 a (new)
Nadzorniki lahko upoštevajo učinke prostovoljnih kodeksov ravnanja in transparentnosti na upravljanje sredstev, ki jih spoštujejo zadevne institucije pri poslovanju z nereguliranimi ali alternativnimi naložbenimi instrumenti.
Supervisors may take account of the effects on asset management of voluntary codes of conduct and transparency adhered to by the relevant institutions dealing in unregulated or alternative investment instruments.
Nadzorniki ne bodo upoštevali, ali institucije uporabljajo kodekse ravnanja, temveč bodo upoštevali kodekse, ki se uporabljajo, če sploh, ter njihov učinek na upravljanje sredstev s strani zavarovalnic.
Supervisors will not take account whether or not institutions use codes but will take account of the codes that are used, if any, and their effect on the asset management by the insurance undertakings.
Člen 142 – odstavek 1 – uvodni del
Article 142 – paragraph 1 – introductory part
Nadzorni organ domače države članice, lahko odvzame dovoljenje, ki ga je izdal zavarovalnici ali pozavarovalnici v naslednjih primerih:
The supervisory authority of the home Member State shall withdraw an authorisation granted to an insurance or reinsurance undertaking in the following cases:
Nadzorni organ domače države članice, lahko med izvajanjem potrebnega nadzora odvzame dovoljenje, ki ga je izdal zavarovalnici ali pozavarovalnici v naslednjih primerih:
The supervisory authority of the home Member State , whilst continuing any necessary supervision, shall withdraw an authorisation granted to an insurance or reinsurance undertaking in the following cases: