natgillin/translations-raw huggingface dataset:
Ne glede na to, kako dobro poznamo njegov pomen, pravila in uredbe, smo vsi potrošniki in delovanje notranjega trga vpliva na vse nas.
Regardless of how well we know its meaning, rules and regulations, each and every one of us is a consumer and we are all affected by the functioning of the internal market.
Zato je zaupanje evropskih potrošnikov prvi pogoj, da bo notranji trg učinkovit in uspešen.
Hence, the trust of the European consumers is a prerequisite for the internal market to work effectively and prosper.
Mnenje poročevalke je, da je treba za to zaupanje uvesti tudi druge ukrepe in ne le okrepiti pravice potrošnikov v zakonodaji.
It is the view of your rapporteur that in order to earn this trust, other measures are needed than to only strengthen consumer rights in legislation.
Prav tako moramo zagotoviti, da bodo trgi delovali na najboljši način in da bodo potrošnikom ponujeni izdelki in storitve s ceno in kakovostjo po njihovih pričakovanjih.
We also have to ensure that the markets are functioning in the best possible way and that consumers are offered products and services at a price and quality level which meets their expectations.
To pa ne pomeni nujno obsežnejšo ali strožjo zakonodajo.
This does not necessarily mean more or stricter legislation.
Mogoče bi bilo nudenje informacij, izobraževanja ali samouprave primernejši in učinkovitejši pristop.
Sometimes information, education or self regulation could be a more appropriate and effective approach.
Ne glede na to, kako se rešujejo težave, mora biti cilj vedno ta, da bo zagotovljena zaščita pravic potrošnikov ter da bodo imeli potrošniki prave informacije, izobrazbo in pogoje za pravo in dobro utemeljeno izbiro.
Regardless of how the problems are solved the aim should always be to ensure that consumer’s rights are secured and that consumers have the right information, education and conditions to make good and well-founded choices.
To je pomembno ne le za dobro potrošnikov, temveč tudi zato, ker bo učinkovit in dobro delujoč trg nagradil inovacije in spodbudil konkurenco ter gospodarsko rast.
This is important not only for the good of the consumers but also because an effective and a well functioning market will reward innovation and stimulate competition and economical growth.
Splošne opombe glede pregleda
General remarks on the Scoreboard
Na zahtevo Odbora Evropskega parlamenta za notranji trg in varstvo potrošnikov je Komisija predložila prvi pregled potrošniških trgov kot orodje za opredelitev in analizo težav s stališča potrošnikov.
Following a request from the Committee on the on the Internal Market and Consumer Protection in the European Parliament, the European Commission has tabled a first Consumer Markets Scoreboard as a tool to identify and analyze problems from a consumers point of view.
Poročevalka pozdravlja ta pregled in meni, da se bo izkazal za pomembno orodje za prihodnji razvoj potrošniške politike.
Your rapporteur welcomes this scoreboard and believes it will prove to be an important tool for the future development of consumer policy.
Enotni trg zajema skoraj 500 milijonov potrošnikov ter široko paleto proizvodov in storitev.
The single market includes close to 500 million consumers and a vast variety of goods and services.
Čeprav je nemogoče podrobno spremljati vse vidike notranjega trga, pa je pomembno uporabiti analitične vire, kjer so ti najbolj potrebni.
While it is impossible to monitor all aspects of the Internal Market in detail, it is important to use analytical resources where they are most needed.
Uporaba kazalnikov je pomembna za opredelitev težav in določitev področij, kjer so potrebne nadaljnje študije.
The use of indicators is valuable to identify problems and pinpoint areas where further studies are called for.
Kazalniki, uporabljeni v pregledu, se nanašajo na pritožbe, stopnje cen, zadovoljstvo, zamenjave in varnost.
The indicators used are in the scoreboard relates to complaints, price levels, satisfaction, switching and safety.
Poročevalka meni, da bo čez čas treba nadalje razviti in izboljšati nekatere kazalnike in mogoče celo vključiti nove, a je pet glavnih kazalnikov kljub temu primernih in uporabnih.
Your rapporteur believes that while there is a need to over time further develop and improve some of the indicators as well as maybe also including some new ones, these five main indicators are relevant and useful.
Pri spremljanju tako zapletenih sistemov z neskončno serijo spremenljivk je treba upoštevati, da je pregledovanje le način za opredelitev pravih področij za nadaljnje študije ter da odmik pri enemu ali celo več kazalnikih še ne pomeni, da je trg neuspešen.
When monitoring such complex systems with an endless set of variables it is important to remember that screening is just a way to identify the right areas for further studies and that deviation in a single, or even several indicators, not necessarily prove market failure.
Lahko bi se reklo, da je večina kazalnikov tako ali drugače pomanjkljivih, a v omenjenem okviru najverjetneje ponujajo natančnost, ki je potrebna za primerno razdelitev analitičnih virov.
Most indicators can in one way or the other be considered flawed but in the context described they will most likely provide the accuracy needed to properly allocate analytical resources.
Nekatere zainteresirane strani so dvomile o uporabi kazalnikov stopenj cen, ker naj bi na cene vplivalo tako veliko dejavnikov.
The use of price level indicators has been questioned by some stakeholders due to the fact that prices are influenced by so many factors.
Vendar so cene pomembne za potrošnike, kazalnike pa se pogosto enostavno razloži.
However, prices are important for consumers and price indicators are often easy to communicate.
Vendar kljub temu, da bo večina neuspehov na trgih posredno ali neposredno vplivala na potrošniške cene, bodo kazalniki stopenj cen skupaj z drugimi kazalniki, povezanimi z učinkovitim delovanjem trga najverjetneje zagotovili veljavne rezultate.
Moreover, while most market failures, directly or indirectly, will have an effect on the consumer price the price level indicator combined with other indicators related to the effective functioning of the market will most likely provide valid results.
Zato poročevalka meni, da morajo biti kazalniki cen vključeni v pregled ter da razlika v stopnjah cen lahko včasih pomeni, da je potrebna nadaljnja analiza.
This is why your rapporteur believes price indicators must to be included in the scoreboard and that difference in price levels may sometimes indicate a need for further analysis.
Dvigovanje osveščenosti
Raising awareness
Poročevalka izpostavlja pomembnost dvigovanja osveščenosti glede pregleda.
Your rapporteur underlines the importance of raising awareness about the Scoreboard.
Zato je pomembno, da je pregled napisan v preprostem jeziku.
To this end it is important that the Scoreboard written in an easily accessible language.
Poleg tega bi moral biti pregled dostopen na zadevnih spletnih straneh, hkrati pa si je treba bolje prizadevati za spodbujanje pregleda pri medijih.
Moreover, the scoreboard should be visible on relevant websites and at the same time efforts to promote the scoreboard to media should be stepped-up.
Z opredelitvijo problematičnih področij je pregled potrošniških trgov lahko mnogostranski in prilagodljiv instrument, s katerim se bodo javnost, tržni akterji in institucije zavedali pomanjkljivosti, ki jih je treba popraviti.
By identifying problem areas the Consumer Markets Scoreboard can be a versatile and flexible instrument that will make the public, the market operators and the institutions aware of weaknesses that has to be attended to.
S tem ne bomo le postopoma izboljšali razmer za potrošnike po vsej Evropi, temveč se bodo isti potrošniki zavedali svojih pravic na notranjem trgu.
By doing this we do not only, step by step, improve the situation for consumers all over Europe, but also make the same consumers aware of their rights in the internal market.
Z izpostavljanjem – in reševanjem – težav lahko evropski oblikovalci politik dokažejo, da si prizadevamo za krepitev vloge potrošnikov, ter pojasnijo ne le kaj notranji trg je, temveč tudi kaj lahko postane.
By highlighting - and solving - the problems European policy makers can show that we are dedicated in our effort to empowering consumers and demonstrate not only what the internal market is but hopefully also envisage what it can become.
Pregleda notranjega in potrošniških trgov
The Consumer Markets Scoreboard and the Internal Market Scoreboard
Vendar namen pregleda notranjega trga nikoli ni bil ta, da bi potrošnikom nudil razlago notranjega trga.
However, the intention of the Internal Market Scoreboard has never been to communicate the Internal Market to the consumer.
Zato ni verjetno, da zbuja zaupanje običajnih potrošnikov.
Hence, it is not likely to build trust from the ordinary consumer.
Oba pregleda se dopolnjujeta v prizadevanju za boljši notranji trg, vendar poročevalka meni, da morata ostati ločena zaradi različnih pristopov in naslovljencev.
Accordingly, the two scoreboards complement each other in the effort to improve the internal market, but it is the view of your rapporteur that they should be kept separate due to the different approaches and addressees.
o varstvu potrošnikov: izboljšanje izobraževanja potrošnikov in osveščenosti o posojilih in financah
on protecting the consumer: improving consumer education and awareness on credit and finance
Jean Paul Gauzès, Odbor za ekonomske in monetarne zadeve
Jean Paul Gauzès, Committee on Economic and Monetary Affairs
(*) Pridruženi odbori – člen 47 poslovnika
(*) Associated committee – Rule 47 of the Rules of Procedure
MNENJE Odbora za ekonomske in monetarne zadeve ..................................13
OPINION OF THE COMMITTEE ON ECONOMIC AND MONETARY AFFAIRS(*).......13
– ob upoštevanju sporočila Komisije z dne 18. decembra 2007 o finančnem izobraževanju ( KOM(2007)0808 ),
– having regard to the Commission's Communication of 18 December 2007 on Financial Education ( COM(2007)0808 ),
– ob upoštevanju zelene knjige Komisije o maloprodajnih finančnih storitvah na enotnem trgu ( KOM(2007)0226 ),
– having regard to the Commission's Green Paper on retail financial services in the single market ( COM(2007)0226 ),
– ob upoštevanju stališča iz druge obravnave z dne 16. januarja 2008 glede skupnega stališča Sveta z namenom sprejetja Direktive Evropskega parlamenta in Sveta o potrošniških kreditnih pogodbah in razveljavitvi Direktive Sveta 82/107/EGS
– having regard to its position at second reading of 16 January 2008 on the common position adopted by the Council 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 87/102/EEC
Sprejeta besedila, P6_TA(2008)0011 . ,
Texts adopted, P6_TA(2008)0011 . ,
– ob upoštevanju svoje resolucije z dne 11. julija 2007 o beli knjigi o politiki finančnih storitev (2005–2010)
– having regard to its resolution of 11 July 2007 on financial services policy (2005-2010) - White Paper
– ob upoštevanju poročila Odbora za notranji trg in varstvo potrošnikov ter mnenja Odbora za ekonomske in monetarne zadeve ( A6-0393/2008 ),
– having regard to the report of the Committee on Internal Market and Consumer Protection and the opinion of the Committee on Economic and Monetary Affairs ( A6‑0393/2008 ),
A. ker se na eni strani finančni trgi hitro razvijajo, postali so zelo dinamični in vedno bolj zapleteni, na drugi strani pa so spremembe v družbi in drugačen življenjski stil ustvarili potrebo po zdravem upravljanju zasebnih finančnih sredstev in potrebo po rednem prilagajanju zasebnih finančnih sredstev, da bodo tako ustrezali novemu delu in družinskim okoliščinam,
A. whereas on the one hand, financial markets are fast evolving, have become very dynamic and increasingly complex, and, on the other hand, societal changes and changes in lifestyle create a need for sound management of private finances and a need to adjust private finances regularly to suit new work and family circumstances,
B. ker bi moralo biti dvigovanje stopnje finančne pismenosti potrošnikov prednostna naloga oblikovalcev politik tako v državah članicah kot na evropski ravni, ne samo zaradi koristi za posameznike ampak tudi zaradi koristi, ki jih prinaša družbi in gospodarstvu, kot so zmanjševanje ravni slabega dolga, povečano varčevanje, povečana konkurenca, primerna uporaba zavarovalniških proizvodov in primerno pokojninsko zavarovanje,
B. whereas raising the level of financial literacy of consumers should be a priority for policy-makers both at Member State and at European level, not only because of the benefits for individuals but also because of the benefits for society and the economy, such as reducing the level of problem debt, increasing savings, increasing competition, making appropriate use of insurance products and making adequate provision for retirement,
C. ker so študije pokazale, da potrošniki radi precenijo svoje znanje glede finančnih storitev in jih je treba seznaniti z dejstvom, da niso tako finančno pismeni, kot mislijo, ter o posledicah tega,
C. whereas studies reveal that consumers tend to overestimate their knowledge of financial services and need to be informed of the fact that they are not as financially literate as they believe, and of the consequences thereof,
D. ker lahko visokokakovostni programi finančnega izobraževanja, ki so ciljno usmerjeni in, kjer se zdi primerno, kolikor je mogoče prilagojeni osebnim potrebam, prispevajo k dvigovanju finančne pismenosti in tako potrošnikom omogočijo možnost osveščene izbire in posledično učinkovito delovanje finančnih trgov,
D. whereas high quality financial education programmes, targeted and, where appropriate, as personalised as possible, can contribute to raising financial literacy, allowing consumers to make informed choices and thus to the effective functioning of financial markets,
E. ker je pomembnost čezmejnih finančnih storitev vse večja, Komisija pa bi morala sprejeti pobude na ravni EU za spodbujanje čezmejnih in, kjer je potrebno, primerljivih informacij o finančnem izobraževanju,
E. whereas the importance of cross-border financial services is constantly increasing, and the Commission should take initiatives at EU level for the promotion of cross-border and, where necessary, comparable information on financial education,
F. ker je treba posebno pozornost nameniti izobraževalnim potrebam ranljivih potrošnikov in tudi tistih mladih potrošnikov, ki se soočajo z odločitvami, ki bodo vplivale na njihove gospodarske možnosti skozi celo življenje,
F. whereas particular attention should be paid to the educational needs of vulnerable consumers, and also to those of young consumers, who face decisions affecting economic prospects for their whole lifetime ,
G. ker je raziskava pokazala, da so tisti, ki so se naučili osnovnih vidikov osebnih financ že v zgodnjih letih, bolj finančno pismeni; ker je finančno izobraževanje tesno povezano z učenjem osnovnih znanj (matematika in branje),
G. whereas research has shown that those who have learned the basic aspects of personal finance at a very early age have more financial literacy; whereas financial education is closely related to the teaching of basic skills (mathematics and reading),
2. poudarja, da je cilj izobraževanja in obveščanja potrošnikov na področju financ in kredita izboljšati osveščenost potrošnikov o gospodarskih in finančnih razmerah, da bi razumeli ekonomske obveznosti in preprečili nepotrebno tveganje, prezadolženost in finančno izključenost; meni, da jim morata dejavnost usposabljanja in informiranja omogočati neodvisen pristop, ki temelji na njihovi lastni presoji, do finančnih instrumentov, ki so jim na voljo ali jih nameravajo uporabiti;
Stresses that the objective of educating and raising the awareness of consumers as regards finance and credit is to improve consumers' awareness of economic and financial realities with a view to understanding economic commitments and avoiding unnecessary risk, excessive debt and financial exclusion; considers that training and the provision of information should allow consumers to take an independent approach, based on their own judgement, to the financial products that are offered to them or that they are considering using; 3.
4. poudarja, da ozaveščeni in izobraženi potrošniki pomagajo krepiti konkurenco, kakovost in inovacije v sektorjih bančnih in finančnih storitev, in opozarja, da lahko izobraženi in samozavestni vlagatelji zagotovijo dodatno likvidnost kapitalskih trgov za naložbe in rast;
Underlines that empowered and educated consumers help to foster competition, quality and innovation within the banking and financial services industries and recalls that educated and confident investors can provide additional liquidity to capital markets for investment and growth;
7 meni, da so programi finančnega izobraževanja najuspešnejši, če so prilagojeni potrebam posebnih ciljnih skupin in, kjer se zdi primerno, prilagojeni osebnim potrebam; meni tudi, da bi morali vsi finančni izobraževalni programi prispevati k bolj zavestnemu in stvarnemu dojemanju finančnih možnosti vsakega posameznika; preučiti bi bilo treba razvoj programov, ki izboljšujejo finančno znanje odraslih;
7 Is of the opinion that financial education programmes are most effective if they are tailored to the needs of specific target groups and, where appropriate, personalised; is of the opinion, moreover, that all financial education programmes should contribute to the improvement of a conscious and realistic handling of each individual's financial possibilities; consideration should be given to the development of programmes that improve adults’ financial capabilities.
9. poudarja, da finančno izobraževanje lahko dopolnjuje, ne pa nadomesti skladne določbe za varstvo potrošnikov na področju zakonodaje o finančnih storitvah in uredb ter strogega nadzora finančnih institucij;
Emphasises that financial education can complement but cannot be a substitute for coherent consumer protection provisions in financial services legislation and the regulation and strict supervision of financial institutions;
12. meni, da je potrebna učinkovita, jasna in razumljiva informacija, zlasti v oglaševalskih sporočilih o finančnih instrumentih, ter da morajo finančne institucije dati zadostno predhodno informacijo o sklepanju pogodb ter dosledno uporabljati pravila, ki jih določata Direktiva 2004/39/ES Evropskega parlamenta in Sveta z dne 21. aprila 2004 o trgih finančnih instrumentov
Considers that effective, clear and comprehensible information, particularly in advertisements for financial products, is necessary and that financial institutions should provide sufficient information before contracts are concluded and, in particular, strictly apply the rules laid down in Directive 2004/39/EC of the European Parliament and of the Council of 21 April 2004 on markets in financial instruments
(Mifid) ter Direktiva 2008/48/ES Evropskega parlamenta in Sveta z dne 23. aprila 2008 o potrošniških kreditnih pogodbah
(Mifid) and Directive 2008/48/EC of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers
UL L 133, 22.5.2008, str.
OJ L 133, 22.05.08, p.
66. , poziva Komisijo, naj na skladen način pripravi namenske zakonodajne predloge za usklajen sistem informiranja in varstva potrošnikov še posebej pri hipotekarnih posojilih (na primer usklajen, preprost in primerljiv Evropski standardizirani informacijski list z enotnimi navedbami letne obrestne mere itd.);
66. ; calls on the Commission to put forward, in a coherent manner specific legislative proposals for a harmonised system of consumer information and protection, in particular in the framework of mortgage credit (such as a harmonised, simple and comparable European standardised information sheet including common indications on the annual percentage rate charged, etc.);
21. poudarja potrebo po nenehnem dvosmernem izobraževalnem procesu za obe strani, tako finančne svetovalce kot potrošnike, da bodo zagotovljene točne informacije v skladu z najnovejšimi razvojnimi dosežki v sektorju finančnih storitev;
Stresses the need for an ongoing two-way educational process for both sides, that is to say financial advisors and consumers, so as to ensure the provision of accurate information in step with the most recent developments in the financial services sector;
I Pomembnost finančnega izobraževanja
I Importance of financial education
Finančnemu izobraževanju se tako v ZDA kot v EU pripisuje velik pomen.
Financial education is high on the agenda both in the USA and the EU.
Drugič, informiranje potrošnikov in svetovanje ne dohajata ravni zapletenosti finančnih proizvodov.
Secondly, consumer information and counselling cannot keep up with the level of complexity of financial products.
Te razmere povečujejo ranljivost potrošnikov glede finančnih vprašanj.
This situation increases the vulnerability of consumers with regard to financial issues.
Potrošniki potrebujejo osnovna znanja, ki bi jim pomagala izbrati in popolnoma razumeti informacije in predloge.
Consumers need basic skills which will help them choose and fully understand the information and suggestions.
Z zmanjševanjem vrzeli v informacijah in finančnemu strokovnemu znanju med finančnimi posredniki in potrošniki bi se lahko zmanjšalo tveganje prevelikih zadolžitev, zamude ali stečaja.
If the gap in information and financial expertise between financial intermediaries and consumers is reduced this would decrease the risk of over-indebtedness, default or bankruptcy.
S tem bi se ustvarilo več konkurence med posojilodajalci in tako povečalo skupno učinkovitost trga, saj bolje obveščeni potrošniki lahko razlikujejo med različnimi finančnimi predlogi in izberejo tistega, ki najbolj odgovarja njihovim potrebam.
It would also generate more competition between lenders and thus raise the overall efficiency of the market because better informed consumers can distinguish between different financing proposals and select the one closest to their needs.
II Pojem finančne sposobnosti
II Concept of financial capability
Pojem finančne sposobnosti, kot so ga opredelili raziskovalci, zajema tri osnovne elemente:
The concept of financial capability, as defined by researchers, includes three basic elements:
· finančno znanje in razumevanje
· financial knowledge and understanding
Treba je vzpostaviti osnovno raven finančne sposobnosti.
A basic level of financial capability should be established.
Potrošniki bi morali biti zmožni razumeti osnovno finančno terminologijo in, v določeni meri, vključene tehnične, pravne in matematične postopke.
Consumers should be able to understand basic financial terminology as well as to some extent the technical, legal and mathematical procedures involved.
To znanje je treba pridobiti prek izobraževanja in usposabljanja kakor tudi prek pasivnega sprejemanja informacij iz različnih virov ali izkušenj.
This knowledge should be acquired through education and training but also through passive receipt of information from different sources or experience.
· finančne veščine in sposobnosti
· financial skills and competence
Ko potrošniki osvojijo določeno stopnjo znanja, morajo razviti sposobnost, da to znanje uporabljajo sebi v prid.
After a certain level of knowledge is acquired consumers should develop the ability to use it to their benefit.
To zahteva vrsto posebnih veščin kot so zbiranje finančnih informacij (bančni izpiski, računi itd.) in vodenje evidence, pravilna presoja zbranih informacij, primerjava med različnimi proizvodi in druga znanja, ki bodo olajšala finančno načrtovanje (varčevanje, poraba, načrtovanje proračuna, naložbe).
This calls for a range of specific skills such as gathering financial information (bank statements, receipts, etc.) and record-keeping, proper evaluation of the gathered information, comparison between the different products and other skills that will facilitate financial planning (saving, spending, budgeting, investing).
· finančno odgovornost
· financial responsibility
Znanje in veščine niso zadostni za zagotavljanje dejstva, da bodo potrošniki na primeren način upravljali s svojimi finančnimi sredstvi.
Knowledge and skills will not be sufficient to ensure that consumers manage their finances appropriately.