natgillin/translations-raw huggingface dataset:
Poročevalec zato zagovarja večjo prožnost v državah članicah pri določanju oblikovanja okvira delovanja sistemov zajamčenih vlog.
The rapporteur therefore advocates greater flexibility in the Member States in deciding the framework for the operation of Deposit Guarantee Schemes:
Obseg okvira za delovanje pri tem sega od sistemov zajamčenih vlog, ki zagotavljajo samo odškodnine za vlagatelje v primeru propada kreditne institucije, do sistemov za ohranjanje institucij, katerih cilj je preprečevanje propada.
The possible approaches range from Deposit Guarantee Schemes which only reimburse depositors in the event of failure of a credit institution to schemes designed to preserve institutions, whose prime aim is to prevent failure of a credit institution.
Znotraj tega se lahko spet oblikujejo tudi drugi sistemi, in sicer tako, da prožno izkoriščajo možnost preventivnega posredovanja (glej grafični prikaz).
Within this spectrum of approaches, other schemes may also be designed to allow them the flexibility to take preventive action (see diagram).
(3) Realističen rok izplačila v interesu vlagateljev
(3) Realistic time limits for payments, in the interests of depositors
Obstaja navzkrižje interesov med kratkoročnim izplačilom v primeru odškodnine, ki je zaželeno z vidika vlagatelja, in nujnostjo uveljavitve zanesljivih postopkov, ki omogočajo upoštevanje določenega roka izplačila.
A conflict of interests exists in that, for depositors, it is desirable to receive reimbursements quickly, while it is also necessary to establish reliable procedures which facilitate compliance with the time limit that has been laid down.
Kreditne institucije trenutno niso sposobne na hitro izračunati višine vloge posamezne stranke (single customer view) in posledično tudi ne morejo v nekaj dneh v določeni obliki posredovati vlog vseh strank jamstvene sheme, ki so krite v sistemu zajamčenih vlog.
At present, credit institutions are mostly not in a position to calculate each individual customer’s deposits quickly (single customer view), which means that they also cannot within a few days forward to a scheme operator information about the deposits covered by Deposit Guarantee Schemes for all their customers in particular predetermined data formats.
Izplačilo vlog v sedmih (petih delovnih) dneh je po mnenju strokovnjakov, s katerimi smo se posvetovali, v večini držav članic zato v tem trenutku komaj izvedljivo.
All the experts who were consulted have therefore stated that reimbursement of deposits within seven days (five working days) is hardly practicable in most Member States at present.
Če pa se vlagateljem zagotovi kratek rok izplačila, ki se ga zaradi propada kreditne institucije ne spoštuje, lahko to dolgoročno omaja zaupanje vlagateljev v jamstvene sheme ter njihovo stabilizacijsko delovanje in namen.
If, however, depositors are promised a short time limit for reimbursement, which is then not complied with if a credit institution fails, this could permanently damage depositors’ confidence in guarantee schemes and thus undermine their stabilising effect and purpose.
Ne moremo izključiti možnosti, da se lahko takšna izguba zaupanja prenese tudi na druge sisteme v Evropi.
It is not impossible that such a loss of confidence might also affect all the other schemes in Europe.
To pa spet lahko ogrozi stabilnost celotnega finančnega sistema v EU.
This in turn could jeopardise the entire financial system in the EU.
Da bi lahko v praksi uveljavili želeni petdnevni rok izplačila, je vsekakor treba zagotoviti, da bo to obljubo mogoče izpolniti ne glede na okoliščine.
In order to be able to abide by the desirable time limit of five working days in practice, therefore, arrangements must, at the minimum, be made to ensure that this promise can be kept under all circumstances.
Poročevalec želi potrebne pogoje podpreti z dvema sistemoma spodbud:
The rapporteur wishes to promote the requisite preconditions by means of two systems of incentives:
(a) sistemi zajamčenih vlog, ki lahko že danes ugotovijo krite vloge svojih odvisnih institucij (tj. dejansko krite vloge na vlagatelja), izračunajo ciljno raven na podlagi kritih vlog.
(a) Deposit guarantee schemes which can already ascertain the deposits of the affiliated institutions which are covered by their scheme (i.e. the deposits, per depositor, which are actually covered) should calculate the target cover on the basis of the deposits covered.
Za vse ostale jamstvene sheme veljajo kot osnova za določitev ciljne ravni upravičene vloge (tj. vse vloge), kar zanje pomeni višje prispevke.
For all other guarantee schemes, the deposits potentially eligible for reimbursement (i.e. total deposits) should initially be taken as a basis for setting the target cover of the fund, which would result in higher contributions to that cover.
Od leta 2015 bo obvezen izračun na podlagi kritih vlog.
From 2015, it would be compulsory to switch to calculation on the basis of the deposits covered.
S tem prehodnim pravilom bo ustvarjena spodbuda, da že pred letom 2015 prikažejo krite vloge, s čimer se bo za banke znižalo breme prispevkov.
This transitional rule would create an incentive to be able to ascertain the deposits covered even before 2015, as this would reduce the contributions which banks would be required to make.
Istočasno bo na ta način predčasno ustvarjen pogoj, ki bo v primeru odškodnine omogočal hitrejše izplačilo denarja vlagateljem.
At the same time, it would at an early stage create one of the preconditions to make it possible to reimburse depositors quickly.
(b) Z izvajanjem direktive bo načeloma uvedeno petdnevno obdobje za izplačilo.
(b) The basic principle which the directive will introduce is that reimbursements should be made within five working days.
Ne glede na to bodo države članice še do 31. decembra 2016 lahko obdržale od leta 2011 veljavno 20-dnevno obdobje za izplačilo, če pristojni nadzorni organ s preverjanjem ugotovi, da ni potrebnega postopka za hitro izplačilo.
However, until 31 December 2016 Member States may instead initially maintain the time limit which applies from 2011, namely 20 working days, if a survey by the competent supervisory authority shows that the necessary procedures for quick payment are not in place.
Da bi zagotovili, da se vlagatelji v primeru propada kreditne institucije ne bodo znašli v finančnih težavah, imajo možnost, da jim pristojni sistem zajamčenih vlog v petih delovnih dneh izplača imetje, do katerega so upravičeni, v višini do 5000 EUR.
In order to ensure that, in such cases, depositors do not encounter serious financial problems occasioned by failure of their credit institution, however, they may obtain payment of up to EUR 5 000 from the appropriate Deposit Guarantee Scheme within five working days.
Glede na petdnevno obdobje za izplačilo, ki bo od leta 2017 obvezno veljalo za vse sisteme zajamčenih vlog, tako obstajajo spodbude za čimprejšnji začetek izvajanja petdnevnega izplačila v tistih sistemih zajamčenih vlog, ki tega v času prenosa direktive še ne morejo storiti.
In view of the time limit of five working days which will in any case be compulsory for all Deposit Guarantee Schemes from 2017, this means that incentives will exist for the earliest possible introduction of the five working day time limit in any Deposit Guarantee Schemes which are not yet in a position to introduce it when the directive is first transposed.
(4) Evropski sistemi zajamčenih vlog in spodbujanje evropskega sodelovanja
(4) European Deposit Guarantee Schemes and promotion of European cooperation
Na področju jamčenja vlog bi za vzpostavitev notranjega trga obstajala možnost prostovoljne uveljavitve čezmejnih jamstvenih shem ali združevanje nacionalnih sistemov.
In the field of deposit guarantees, it ought to be possible to establish cross-border guarantee schemes voluntarily or to link national schemes, in the interests of realisation of the common internal market.
Ustrezne pobude za učinkovito ukrepanje sistemov zajamčenih vlog namreč obstajajo zlasti takrat, kadar gre za največje možno ujemanje med njihovim področjem ozemeljske pristojnosti in področjem, za katerega se nosijo ekonomski stroški propada kreditne institucije.
Appropriate incentives for effective operation of Deposit Guarantee Schemes exist, in particular, if there is maximum correspondence between their area of operation and the area where the economic costs of failure of a credit institution are incurred.
Pri prostovoljni uveljavitvi takšnih čezmejnih sistemov zajamčenih vlog je za nadzor odgovoren Evropski bančni organ v sodelovanju z odborom nacionalnih nadzornih organov.
If such a cross-border Deposit Guarantee Scheme is established voluntarily, the EBA would be responsible for supervision in cooperation with a board of national supervisory authorities.
Pri uveljavitvi čezmejnih sistemov zajamčenih vlog morajo organi, ki so odgovorni za dovoljenja, paziti na zadostno stabilnost in uravnoteženo sestavo novih in obstoječih sistemov zajamčenih vlog kot na enega glavnih pogojev za izdajo dovoljenja
If cross-border Deposit Guarantee Schemes are established, the authorities which approve them should ensure sufficient stability and a balanced composition of the new and existing schemes, this being one of the fundamental conditions for approval.
Zaželeno je sodelovanje nacionalnih sistemov zajamčenih vlog, saj se tako vlagateljem olajša stik s podružnicami tujih kreditnih institucij.
Cooperation between national Deposit Guarantee Schemes is desirable in order to make it easier for depositors to make contact at branches of foreign credit institutions.
Tudi možnost čezmejnega najemanja kreditov med sistemi bi morala obstajati na prostovoljni podlagi.
The possibility of cross-border provision of credit between systems should also exist on a voluntary basis.
Oblikovanje skupnih zahtev za sisteme zajamčenih vlog državam članicam ob enotni zaščiti in enaki stabilnosti ter preprečevanju izkrivljanja konkurence omogoča največjo možno prožnost pri oblikovanju sistemov zajamčenih vlog.
The formulation of common requirements applicable to Deposit Guarantee Schemes will make it possible for Member States to organise these schemes in as flexible a manner as possible while providing uniform protection, ensuring equal stability and avoiding distortions of competition.
Ob upoštevanju enake stopnje kritja in ciljne ravni ter danih obdobij izplačila in pogojev za uporabo sredstev imajo države članice tako možnost, da sisteme zajamčenih vlog prilagodijo nacionalnim posebnostim finančnih trgov.
While maintaining the same coverage level and target level and abiding by the stipulated time limits for reimbursements and terms relating to the use of funds, Member States will thus have the opportunity to adapt their Deposit Guarantee Schemes to national features of financial markets.
S takšnim pristopom bo doseženo učinkovito varstvo vlagateljev in zagotovljena stabilnost finančnega sistema.
By means of this approach, effective protection of depositors will be achieved and the stability of the financial system ensured.
O predlogu in idejah poročevalca so bila že v fazi nastajanja tega poročila izmenjana mnenja s poročevalci v senci.
The proposal and the rapporteur’s ideas were already exchanged with the shadow rapporteurs at the preliminary draft stage of this report.
Med pripravo poročila so bili njihovi predlogi na številnih mestih obravnavani in ustrezno upoštevani v splošnem pristopu.
When drafting the report, their suggestions were incorporated in many places and taken into account accordingly in the overall approach.
predsednica Odbora za ekonomske in monetarne zadeve
Chair of the Committee on Economic and Monetary Affairs
Zadeva: Predlog direktive Evropskega parlamenta in Sveta o sistemih zajamčenih vlog (prenovljena različica)
Subject : Proposal for a directive of the European Parliament and of the Council on Deposit Guarantee Scheme (recast)
Vendar, če namerava pristojni odbor predložiti tudi predloge sprememb za kodificirane dele predloga Komisije v skladu s točko 8 Medinstitucionalnega sporazuma, o tem nemudoma obvesti Svet in Komisijo, slednja pa še pred glasovanjem v skladu s členom 54 odbor obvesti o svojem stališču glede predlogov sprememb in o tem, ali namerava umakniti predlog za prenovitev.
However, if in accordance with point 8 of the Interinstitutional Agreement, the committee responsible intends also to submit amendments to the codified parts of the proposal, it shall immediately notify its intention to the Council and to the Commission, and the latter should inform the committee, prior to the vote pursuant to Rule 54, of its position on the amendments and whether or not it intends to withdraw the recast proposal.
Odbor za pravne zadeve po razpravi na svoji seji 22. marca 2011 z 17 glasovi za in nobenim vzdržanim
In conclusion, after discussing it at its meeting of 22 March 2011, the Committee on Legal Affairs, by 17 votes in favour and no abstentions
Prisotni so bili naslednji poslanci: Klaus-Heiner Lehne, Tadeusz Zwiefka, Luigi Berlinguer, Françoise Castex, Lidia Joanna Geringer de Oedenberg, Antonio Masip Hidalgo, Bernhard Rapkay, Evelyn Regner, Alexandra Thein, Diana Wallis, Cecilia Wikström, Jiří Maštálka, Kurt Lechner, Angelika Niebler, Jan Philipp Albrecht, Eva Lichtenberger, Sajjad Karim. priporoča vašemu odboru kot pristojnemu odboru, naj nadaljuje preučevanje omenjenega predloga v skladu s členom 87.
The following Members were present: Klaus-Heiner Lehne, Tadeusz Zwiefka, Luigi Berlinguer, Françoise Castex, Lidia Joanna Geringer de Oedenberg, Antonio Masip Hidalgo, Bernhard Rapkay, Evelyn Regner, Alexandra Thein, Diana Wallis, Cecilia Wikström, Jiří Maštálka, Kurt Lechner, Angelika Niebler, Jan Philipp Albrecht, Eva Lichtenberger, Sajjad Karim. , recommends that your Committee, as the committee responsible, proceed to examine the above proposal in accordance with Rule 87.
PRILOGA: MNENJE POSVETOVALNE SKUPINE PRAVNIH SLUŽB EVROPSKEGA PARLAMENTA, SVETA IN KOMISIJE
ANNEX: OPINION OF THE Consultative Working Party of the Legal Services of the European Parliament, the Council and the Commission
Predlog direktive Evropskega parlamenta in Sveta o sistemih zajamčenih vlog (prenov itev )
Proposal for a directive of the European Parliament and of the Council on Deposit Guarantee Schemes
C OM(2010)0368 konč. z dne 12.7.2010 – 2010/0207(COD)
COM(2010)368 final of 12.7.2010 - 2010/0207 (COD)
Ob upoštevanju Medinstitucionalnega sporazuma z dne 28. novembra 2001 o bolj sistematičnem ponovnem sprejemu pravnih aktov, še posebej njegove devete točke, se je posvetovalna delovna skupina, ki jo sestavljajo predstavniki pravnih služb Evropskega parlamenta, Sveta in Komisije, sestala 22. julija 2010, da bi preučila navedeni predlog, ki ga je predložila Komisija.
Having regard to the Inter-institutional Agreement of 28 November 2001 on a more structured use of the recasting technique for legal acts, and in particular 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 22 July 2010 for the purpose of examining the aforementioned proposal submitted by the Commission.
Posvetovalna skupina je imela na voljo angleško, francosko in nemško jezikovno različico predloga in je svoje delo opravila na osnovi angleške različice, saj je bila to osnovna jezikovna različica obravnavanega besedila. po proučitvi predloga direktive Evropskega parlamenta in Sveta o prenovitvi direktive Evropskega parlamenta in Sveta 94/19/ES z dne 30. maja 1994 o sistemih zajamčenih vlog soglasno ugotovila naslednje:
The Consultative Working Party had at its disposal the English, French and German language versions of the proposal and worked on the basis of the English version, being the master-copy language version of the text under discussion. , an examination of the proposal for a directive of the European Parliament and of the Council recasting European Parliament and Council Directive 94/19/EC of 30 May 1994 on Deposit Guarantee Schemes resulted in the Consultative Working Party’s establishing, by common accord, as follows.
1) Besedilo člena 2(1)(g) v predlaganem prenovljenem besedilu ustreza besedilu prve povedi člena 1(5) Direktive 94/19/ES.
1) The wording of Article 2(1)(g) in the proposed recast text corresponds to the wording of the first sentence of Article 1(5) of Directive 94/19/EC.
Besedilo druge povedi člena 1(5) Direktive 94/19/ES („kakršno koli število podružnic v eni sami državi članici, ki jih ima kreditna institucija s sedežem v drugi državi članici, se obravnava kakor ena sama podružnica“) bi moralo biti vključeno tudi v sedanje prenovljeno besedilo; to besedilo bi moralo biti osenčeno s sivo barvo in prečrtano z dvojno črto, s čimer se običajno označujejo bistvene spremembe, ko gre za črtanje obstoječih besedil.
The wording of the second sentence of Article 1(5) of Directive 94/19/EC (" any number of branches set up in the same Member State by a credit institution which has its head office in another Member State shall be regarded as a single branch ") should have also been present in the recast text; that wording should have been identified by using a grey-shaded type combined with double strikethrough, which is the sign generally used in recast proposals for marking substantive changes consisting of a deletion of existing texts.
2) V členu 4(1)(c) bi bilo treba sklic na „ člen 1(C) Direktive Sveta 91/308/EGS “ prilagoditi v sklic na „ člen 1(2) Direktive 2005/60/ES Evropskega parlamenta in Sveta “.
2) In Article 4(1)(c), the reference made to " Article 1(C) of Council Directive 91/308/EEC " should be adapted so as to read as a reference to " Article 1(2) of Directive 2005/60/EC of the European Parliament and of the Council ".
3) V členu 8(4) bi bilo treba sklic na „ člen 1 Direktive Sveta 91/308/EGS “ prilagoditi v sklic na „ člen 1(2) Direktive 2005/60/ES Evropskega parlamenta in Sveta “.
3) In Article 8(4), the reference made to " Article 1 of Directive 91/308/EEC " should be adapted so as to read as a reference to " Article 1(2) of Directive 2005/60/EC of the European Parliament and of the Council ".
Posvetovalna delovna skupina je po proučitvi predloga soglasno sklenila, da predlog ne vsebuje vsebinskih sprememb, razen tistih, ki so kot take opredeljene v njem ali v tem mnenju.
In consequence, examination of the proposal has enabled the Consultative Working Party to conclude, without dissent, that the proposal does not comprise any substantive amendments other than those identified as such therein or in the present opinion.
Pripravljavec mnenja za ta predlog Odbora za pravne zadeve Dimiter Stojanov je zastavil vprašanje o tem, ali je bila izbira Komisije glede zakonodajne podlage (člen 53(1) PDEU) primerna.
The rapporteur for opinion for this proposal in the Committee on Legal Affairs, Dimitar Stoyanov, raised the question as to whether the Commission's choice of legal basis (Article 53(1) TFEU) was appropriate.
Posledično se je odbor v skladu s členom 37(3) poslovnika odločil, da bo na lastno pobudo obravnaval vprašanje pravne podlage za predlagani ukrep
As a result, the committee decided to take up the question of the legal basis of the proposed measure on its own initiative pursuant to Rule 37(3) of the Rules of Procedure
Odbor za pravne zadeve lahko vprašanja v zvezi s pravno podlago predlogov zakonskih aktov obravnava tudi na lastno pobudo.
The committee responsible for legal affairs may also on its own initiative take up questions concerning the legal basis of the proposals for legislative acts.
V tem primeru ustrezno obvesti pristojni odbor. .
In such cases it shall duly inform the committee responsible for the subject-matter . .
Predlagana pravna podlaga
I. The legal basis proposed
Pravna podlaga Komisije za predlagani ukrep je člen 53(1) PDEU.
The legal basis put forward by the Commission for the proposed measure is Article 53(1) TFEU.
(prejšnji člen 47 PES)
(ex Article 47 TEC)
Da bi samozaposlenim osebam olajšali začetek in opravljanje njihove dejavnosti, Evropski parlament in Svet po rednem zakonodajnem postopku sprejmeta direktive za vzajemno priznavanje diplom, spričeval in drugih dokazil o formalnih kvalifikacijah ter za uskladitev določb zakonov ali drugih predpisov v državah članicah, ki se nanašajo na začetek opravljanja in opravljanje dejavnosti samozaposlenih oseb.
In order to make it easier for persons to take up and pursue activities as self-employed persons, the European Parliament and the Council shall, acting in accordance with the ordinary legislative procedure, issue directives for the mutual recognition of diplomas, certificates and other evidence of formal qualifications and for the coordination of the provisions laid down by law, regulation or administrative action in Member States concerning the taking-up and pursuit of activities as self- employed persons.
Člen 53 je treba obravnavati skupaj s členom 54 PDEU:
Article 53 needs to be read in conjunction with Article 54 TFEU:
(prejšnji člen 48 PES)
(ex Article 48 TEC)
Družbe ali podjetja, ustanovljena v skladu z zakonodajo posamezne države članice, ki imajo statutarni sedež, glavno upravo ali glavni kraj poslovanja v Uniji, se v tem poglavju obravnavajo enako kakor fizične osebe, ki so državljani držav članic.
Companies or firms formed in accordance with the law of a Member State and having their registered office, central administration or principal place of business within the Union shall, for the purposes of this Chapter, be treated in the same way as natural persons who are nationals of Member States.
Učinek branja člena 53 skupaj s členom 54 je v skladu z rednim zakonodajnim postopkom pooblastiti Evropski parlament in Svet za izdajanje direktiv za usklajevanje veljavnih določb, ureditve ali upravnih ukrepov v državah članicah v zvezi z začenjanjem in izvajanjem dejavnosti podjetij ali firm, ustanovljenih v skladu s pravom države članice, ki imajo registrirani sedež, osrednjo upravo in glavni kraj poslovanja v Uniji.
The effect of reading Article 53 together with Article 54 is to empower the European Parliament and the Council, acting in accordance with the ordinary legislative procedure, to issue directives for the coordination of the provisions laid down by law, regulation or administrative action in Member States concerning the taking-up and pursuit of the activities of companies or firms formed in accordance with the law of a Member State and having their registered office, central administration or principal place of business within the Union.
Ti členi zato obravnavajo svobodo ustanavljanja in svobodo zagotavljanja storitev.
These articles are concerned therefore with freedom of establishment and freedom to provide services.
Izbira Komisije glede pravne podlage
The Commission's choice of legal basis
Pravna podlaga, ki jo predlaga Komisija, je člen 53(1) PDEU.
The legal basis proposed by the Commission is Article 53(1) TFEU.
Upoštevati je treba, da namen predloga ni ustvariti nov instrument.
It has to be borne in mind that the proposal does not purport to create a new instrument.
Pri predlagani direktivi o sistemih zajamčenih vlog gre dejansko za prenovo.
Indeed, the proposed directive on deposit guarantee schemes is a recast.
Komisija tako pojasnjuje svojo izbiro pravne podlage: Direktiva 94/19/ES je nujni pravni akt za vzpostavitev notranjega trga z vidika svobode ustanavljanja in svobodnega zagotavljanja finančnih storitev na področju kreditnih institucij.
The Commission explains its choice of legal basis in the following terms: "Directive 94/19/EC constitutes an essential instrument for the achievement of the Internal Market from the point of view of both the freedom of establishment and the freedom to provide financial services, in the field of credit institutions.
Zato je njena pravna podlaga v členu 57(2) Pogodbe o delovanju Evropske skupnosti, ki je bil predhodnik člena 53(1) Pogodbe o delovanju EU (PDEU).
Consequently, its legal basis is Article 57(2) of the Treaty establishing a European Community, which preceded Article 53(1) of the Treaty on the Functioning of the EU (TFEU).