natgillin/translations-raw huggingface dataset:
Treba je upoštevati tudi sektor lastnih zavarovalnic in pozavarovalnic.
To take account of the captive insurance sector.
(10) Zaščita zavarovalcev predpostavlja, da za zavarovalnice in pozavarovalnice veljajo učinkovite zahteve glede solventnosti.
(10) The protection of policyholders presupposes that insurance and reinsurance undertakings are subject to effective solvency requirements.
Glede na razvoj trga sedanji sistem ni več primeren.
In light of market developments the current system is no longer adequate.
Zato je treba uvesti nov regulativni okvir.
It is therefore necessary to introduce a new regulatory framework.
Zato je treba uvesti nov regulativni okvir , ki bo z ustrezno zaščito zavarovalcev izboljšal učinkovitost kapitala v Evropski uniji .
It is therefore necessary to introduce a new regulatory framework which optimises the efficiency of capital in the European Union with proper policyholder safeguards .
(12) Novi režim solventnosti ne sme biti preobremenjujoč za majhne in srednje velike zavarovalnice.
(12) The new solvency regime should not be too burdensome for small and medium-sized insurance undertakings.
Eden od načinov za dosego tega cilja je ustrezna uporaba načela proporcionalnosti.
One of the tools to achieve this objective is a proper application of the proportionality principle.
To načelo bi moralo veljati tako za zahteve glede zavarovalnic in pozavarovalnic kot za izvajanje nadzornih pooblastil.
Th at principle should be applied both to the requirements for insurance and reinsurance undertakings and to the exercise of supervisory powers.
Sorazmerno izvajanje nadzornih pooblastil je ključni element proporcionalnosti.
The proportional exercise of powers by the supervisor is a key element of proportionality.
(12a) Pri režimu Solventnost II bi bilo treba upoštevati posebno naravo lastnih zavarovalnic in pozavarovalnic.
(12a) In particular, the Solvency II regime should take account of the specific nature of captive insurance and reinsurance undertakings.
Ker te krijejo le tveganja industrijske ali trgovinske skupine, kateri pripadajo, je treba poskrbeti za ustrezen pristop, ki bo v skladu z načelom proporcionalnosti upošteval naravo, obseg in kompleksnost njihovega poslovanja.
As those undertakings cover only risks associated with the industrial or commercial group to which they belong, appropriate approaches should be provided , in accordance with the principle of proportionality to reflect the nature, scale and complexity of their business.
Lastne (po)zavarovalnice zaradi velikosti in vrste poslov ter posebne narave tveganj, ki jih (po)zavarujejo, pogosto nimajo dovolj podatkov in kakovostnih informacij, da bi lahko predložile reprezentativne dokaze o pretekli izgubi in uporabile zanesljive aktuarske metode.
Due to the size and type of their business and the specific nature of the risks they (re)insure, captive (re)insurance companies often lack sufficient data and information of appropriate quality enabling them to produce representative historical loss experiences and to apply a reliable actuarial method.
Postopke je treba za lastne (po)zavarovalnice zato poenostaviti.
There is an evident need for simplifications for Captives.
Predlagane poenostavitve za običajne zavarovalnice in pozavarovalnice morda niso prilagojene posebnim značilnostim lastnih (po)zavarovalnic.
The simplifications proposed for ‘common’ insurance and reinsurance undertakings may however not take account of the specificities of the Captive business.
(13a) Režim Solventnost II naj bi prinesel boljšo zaščito vseh udeleženih, zato bodo morale države članice zagotoviti dovolj sredstev za organe finančnega nadzora.
(13a) The Solvency II regime is expected to result in even better protection for all concerned and will require the Member States to provide the authorities responsible for financial supervision with adequate resources.
(14a) Nadzor, temelječ na kvalitativnih in kvantitativnih načelih obvladovanja tveganja, bo verjetno zahteval več sredstev za nadzor.
(14a) Basing supervision on qualitative as well as quantitative risk management principles is likely to require an increase in supervisory resources.
Zaradi zahtev za nadzor v okviru drugega in tretjega stebra, kot je na primer odobritev, spremljanje in redno pregledovanje notranjih modelov ter posledično tesnejše sodelovanje z drugimi nadzornimi organi in zavarovalnicami, bodo nacionalni nadzorni organi potrebovali večje vire, če bodo hoteli ustrezno opravljali obsežnejše naloge.
The supervisory requirements established under Pillars 2 and 3, such as the approval of internal models, their monitoring and regular review, and the consequent closer cooperation and engagement with other supervisors and companies, is likely to mean national supervisors will need more resources to fulfil their enhanced responsibilities properly.
(14b) Pri nadzoru pozavarovalne dejavnosti bi bilo treba upoštevati posebne značilnosti pozavarovalnic, zlasti njihovo globalno naravo in dejstvo, da so njihovi zavarovalci sami zavarovalnice in pozavarovalnice.
(14b) The supervision of reinsurance activity sh ould take account of the special characteristics of reinsurance business, notably its global nature and the fact that the policyholders are themselves insurance or reinsurance undertakings.
Ko bo začela veljati direktiva Solventnost II, ne bo več potrebe, da RID zagotavlja režim po meri za pozavarovalnice.
With the introduction of Solvency II the purpose of the RID to provide a tailor-made regime for reinsurance thus disappears.
V direktivi Solventnost II je treba znova poudariti posebno naravo pozavarovalnic.
It is crucial to reiterate the special nature of reinsurance in the Solvency II Directive.
Omeniti je treba tudi standard IAIS o nadzoru pozavarovalnic.
Reference should be made to the IAIS Standard on Reinsurance supervision.
Nova uvodna izjava pojasnjuje, da je treba v zvezi z načelom proporcionalnosti razmisliti o posebni naravi pozavarovalništva.
With this new recital it is clarified that the proportionality principle requires consideration of the special nature of reinsurance business.
(23) Treba je spodbujati konvergentnost nadzora, ne samo v zvezi z nadzornimi orodji, temveč tudi v zvezi z nadzornimi praksami.
(23) It is necessary to promote supervisory convergence not only in respect of supervisory tools but also in respect of supervisory practices.
Odbor evropskih nadzornikov za zavarovanja in poklicne pokojnine, ustanovljen s Sklepom Komisije 2004/6/ES, mora igrati v zvezi s tem pomembno vlogo in redno poročati o doseženem napredku.
The Committee of European Insurance and Occupational Pensions Supervisors established by Commission Decision 2004/6/EC should play an important role in this respect and report regularly on the progress made.
Odbor evropskih nadzornikov za zavarovanja in poklicne pokojnine (CEIOPS) , ustanovljen s Sklepom Komisije 2004/6/ES, mora igrati v zvezi s tem pomembno vlogo in redno poročati Evropskemu parlamentu in Komisiji o doseženem napredku.
The Committee of European Insurance and Occupational Pensions Supervisors (CEIOPS) established by Commission Decision 2004/6/EC should play an important role in this respect and report regularly to the European Parliament and the Commission on the progress made.
Pomembno je zagotoviti, da se Parlament kot sozakonodajalec celovito obvešča o dogodkih, ki zadevajo učinkovito in uspešno uporabo te direktive.
It is important that the Parliament as co-legislator is being kept fully informed of developments that concern the effective and efficient application of this Directive.
(29a) Praksa v Skupnosti je, da zavarovalniške družbe prodajajo proizvode življenjskega zavarovanja, v okviru katerih zavarovalci in upravičenci prispevajo k tveganemu kapitalu družbe v zameno za del donosa od prispevkov ali za takšen donos v celoti.
(29a) It is current practice in the Community that insurance companies sell life insurance products in relation to which the policy holders and beneficiaries contribute to the risk capital of the company in exchange for all or part of the return on the contributions.
Tako zbran dobiček predstavlja presežna sredstva, ki so v lasti pravne osebe, v kateri nastanejo.
Those accumulated profits are surplus funds , which are the property of the legal entity in which they are generated.
V programu za pomoč znotraj skupine presežnih sredstev ni mogoče prenesti na druge pravne osebe v skupini.
Within the group support regime, surplus funds are not transferable to other legal entities of the group.
Predlog spremembe opredeljuje presežna sredstva za namene te direktive ob upoštevanju poslovnega modela za ta proizvod, ki je znan po vsej Evropi.
Introducing a definition of surplus funds for the purpose of this directive reflecting a product specific business model which is known across Europe.
Poleg tega pojasnjuje, da presežnih sredstev zaradi njihove pravne narave ni mogoče uporabiti za pomoč v skupini.
In addition, the recital clarifies that surplus funds cannot be used as group support because of their legal nature.
(35) Nadzorni režim mora zagotoviti na tveganje občutljivo zahtevo, ki temelji na izračunu pričakovanj za zagotovitev pravilnega in pravočasnega posredovanja nadzornega organa (zahtevani solventnostni kapital), ter najnižjo stopnjo varnosti, pod katero znesek finančnih virov ne sme pasti (zahtevani minimalni kapital).
(35) The supervisory regime should provide for a risk-sensitive requirement, which is based on a prospective calculation to ensure accurate and timely intervention by supervisory authorities (the Solvency Capital Requirement), and a minimum level of security below which the amount of financial resources should not fall (the Minimum Capital Requirement).
Obe kapitalski zahtevi je treba uskladiti po vsej Skupnosti, da bi dosegli enotno raven zaščite zavarovalcev.
Both capital requirements should be harmonised throughout the Community in order to achieve a uniform level of protection for policyholders.
Zahtevani minimalni kapital bi moral biti povezan z zahtevanim solventnostnim kapitalom.
The Minimum Capital Requirement should be linked to the Solvency Capital Requirement.
Da bo režim Solventnost II dobro deloval, je potrebno primerno postopno posredovanje med zahtevanim minimalnim kapitalom in zahtevanim solventnostnim kapitalom.
F or the good functioning of the Solvency II regime, there should be an adequate ladder of intervention between the Minimum Capital Requirement and the Solvency Capital Requirement .
Namen zahtevanega solventnostnega kapitala je zgodnje opozarjanje nadzornikov in zavarovalnic, da se bo nadzor okrepil, če bo spodnja meja za ta kapital presežena.
The purpose of the SCR is ultimately to act as an early warning signal to both supervisors and companies that if breached will result in enhanced supervisory involvement.
Zahtevani minimalni kapital pa je sprožilec za posredovanje na zadnji stopnji, ki se mu je mogoče izogniti, če se upošteva opozorila glede zahtevanega solventnostnega kapitala.
The MCR acts as a last level of intervention that hopefully will be avoided through the SCR alert.
Minimalni kapital bi moral odražati dejansko tveganje zavarovalnice in izpostavljenost tveganju zavarovancev, najboljši izračun tveganja pa je prav zahtevani solventnostni kapital.
It should be risk sensitive so as to adequately reflect the true risk of the company and thus exposure of risk to policyholders and the best calculation of risk is provided by the SCR.
(35a) Da se prepreči procikličnost, zlasti na trgu vrednostnih papirjev v primeru finančnih težav, je treba nadzornim organom omogočiti večjo prilagodljivost pri sprejemanju in izvajanju nadzornih ukrepov.
(35a) In order to prevent pro-cyclicality, in particular in equity markets during times of financial distress, supervisory authorities need to be given a greater degree of flexibility in the adoption and execution of their supervisory measures.
Takšna prilagodljivost bi morala biti seveda izjemne narave, saj naj bi finančno krizo umirila, ne pa povečala njenega negativnega učinka.
Such greater flexibility , however, should be of exceptional nature , aiming to stabilise rather than increase the negative effects of a financial crisis .
V finančnih krizah so lahko potrebni bolj prilagodljivi nadzorni ukrepi, primerni trenutnim razmeram, ki odstopajo od splošnega pristopa te direktive.
Financial crises may require flexible supervisory approaches tailored to specific developments, thereby deviating from the overall approach of the directive.
Posredovanje naj bi bilo mogoče samo ob finančni krizi in bi moralo biti začasnega značaja.
Interventions should nevertheless only be applied in times of financial crises and be seen as temporary.
(43) Zahtevani minimalni kapital je treba izračunati v skladu z enostavno formulo, na podlagi podatkov , ki jih je mogoče revidirati.
(43) It is necessary that the Minimum Capital Requirement is calculated in accordance with a simple formula, on the basis of data which can be audited.
(43) Zahtevani minimalni kapital je treba izračunati v skladu z enostavno formulo, ki je popolnoma usklajena s pristopom na osnovi tveganja za zahtevani solventnostni kapital in temelji na podatkih , ki jih je mogoče revidirati.
(43) It is necessary that the Minimum Capital Requirement is calculated in accordance with a simple formula, which is consistent with the risk-based approach of the Solvency Capital Requirement and is based on the data which can be audited.
Zahtevani minimalni kapital je najnižja raven, pod katero se finančna sredstva ne smejo zmanjšati.
Th e Minimum Capital Requirement should ensure a minimum level below which the amount of financial resources should not fall.
Zahtevani minimalni in solventnostni kapital je treba uskladiti po vsej Skupnosti, da bi dosegli enotno raven zaščite zavarovalcev.
The Minimum Capital Requirement and the Solvency Capital Requirement should be harmonised throughout the Community in order to achieve a uniform level of protection for policyholders.
Treba je zagotoviti usklajenost med zahtevanim minimalnim kapitalom in (posameznim) zahtevanim solventnostnim kapitalom v različnih podjetjih, nadalje usklajenost izračuna o zahtevanem minimalnem kapitalu s skupnim ekonomskim pristopom direktive, prav tako pa je treba zagotoviti, da zahtevani minimalni kapital odraža profil tveganj podjetja.
We need to ensure consistency of the MCR calculation with the overall economic approach of the directive, the MCR's reflection of the undertaking's risk profile as well as consistency between MCR and (solo) SCR across different undertakings.
Uvodna izjava 65 a (novo)
Recital 65 a (new)
(65a) Pri konsolidiranem zahtevanem solventnostnem kapitalu skupine je treba upoštevati skupno razpršenost tveganj za vse zavarovalnice v skupini, da se ustrezno oceni izpostavljenost skupine tveganjem.
(65a) The consolidated Solvency Capital Requirement for a group should take into account the global diversification of risks that exists across all the insurance entities in th at group in order to reflect properly the risk exposures of that group.
Po mnenju Komisije
According to the Commission,
Pismo Jorgena Holmquista, generalnega direktorja GD za notranji trg, Thomasu Steffenu, predsedniku CEIOPS-a, z dne 23. januarja 2008 direktiva omogoča, da se pri izračunu konsolidiranega zahtevanega solventnostnega kapitala učinek diverzifikacije upošteva za celotno skupino, ne samo znotraj EU.
Letter from Jorgen Holmquist, Director-General, DG Markt, to Thomas Steffen, CEIOPS Chairman, dated 23 January 2008 the Directive allows diversification effects to be taken into account across a whole group, and not just within the EU, when calculating the SCR on a consolidated basis.
Uvodna izjava poudarja, ne bi smelo priti do samovoljnega izključevanja prednosti razpršitve tveganja iz poslovanja zavarovalnic zunaj EU.
This recital emphasises that there should not be any arbitrary exclusion of diversification benefits from non-EU insurance operations.
Uvodna izjava 69 a (novo)
Recital 69 a (new)
(69a) Glavni nadzorniki bi morali delovati nediskriminacijsko na ravni Skupnosti.
(69a) Lead supervisors should operate without discrimination at a Community level.
Zlasti pri poravnavi zahtevkov in ob prenehanju poslovanja bi bilo treba v primerih, kadar je vzpostavljen sistem za pomoč znotraj skupine, sredstva razdeliti enakopravno vsem zadevnim zavarovalcem, ne glede na državljanstvo in stalno prebivališče.
In particular, with regard to the settling of claims and winding-up situations where group support arrangements have been in place, assets should be distributed on an equitable basis to all relevant policy holders, regardless of nationality or domicile.
Treba je zagotoviti, da imajo zavarovanci v vseh državah članicah poštene in enake pravice v primeru, da zavarovalnica postane nesolventna.
It is important to ensure that policyholders in all Member States have fair and equal rights in the case of an insurance company becoming insolvent.
Uvodna izjava 70
Recital 70
(70) Treba je zagotoviti, da se lastna sredstva znotraj skupine primerno razdelijo in da so na voljo za zaščito zavarovalcev in upravičencev, kjer je to potrebno.
(70) It is necessary to ensure that own funds are appropriately distributed within the group and available to protect policyholders and beneficiaries where needed.
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.
Zato morajo zavarovalnice in pozavarovalnice znotraj skupine imeti dovoljenje, da v določenih okoliščinah krijejo svoj zahtevani solventnostni kapital s pomočjo skupine, ki jo določi matično podjetje.
Insurance and reinsurance undertakings within a group should therefore be authorised to cover their Solvency Capital Requirement with group support declared by their parent undertaking, under defined circumstances.
Da se oceni potreba po morebitni prihodnji reviziji podpornega programa skupine in da se ta revizija pripravi, mora Komisija poročati o pravilih držav članic in praksah nadzornih organov na tem področju.
In order to assess the need for and prepare any possible future revision of the group support regime, the Commission should report on the rules of the Member States and the practices of the supervisory authorities in this field.
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 S olvency C apital R equirement , unless the objective of protection of policyholders and beneficiaries can effectively be achieved otherwise.
Da se oceni potreba po morebitni prihodnji reviziji podpornega programa skupine in da se ta revizija pripravi, mora Komisija poročati Evropskemu parlamentu o pravilih držav članic in praksah nadzornih organov na tem področju.
In order to assess the need for and prepare any possible future revision of the group support regime, the Commission should report to the European Parliament on the rules of the Member States and the practices of the supervisory authorities in this field.
Pomembno je zagotoviti, da je Parlament kot sozakonodajalec celovito obveščen o dogodkih, ki zadevajo učinkovito in uspešno uporabo te direktive.
It is important that the Parliament as co-legislator is being kept fully informed of developments that concern the effective and efficient application of this Directive.
Uvodna izjava 70 a (novo)
Recital 70 a (new)
(70a) Države članice bi morale zagotoviti, da se nadzornemu organu, ki deluje kot nadzornik skupine, ta vloga tudi prizna na nediskriminacijski način.
(70a) Member States should ensure that when a supervisory authority acts as a group supervisor it is recognised as doing so in a non-discriminatory manner .
Legitimni ukrepi, ki jih sprejme kot nadzornik skupine, vključno s prenosi kapitala, vendar ne omejeno nanje, se zaradi nacionalnega mandata tega nadzornika ne bi smeli obravnavati kot nasprotni interesom države članice ali zavarovalcev iz te države članice.
L egitimate actions taken as a group supervisor, including but not limited to transfers of capital, should therefore not be regarded, on the basis of that supervisor's national mandate, as contrary to the interests of the Member State or of policyholders in that Member State.
Uvodna izjava 70 b (novo)
Recital 70 b (new)
(70b) Vsi nadzorniki, vključeni v nadzor skupine, morajo biti sposobni razumeti sprejete odločitve, zlasti če jih je sprejel nadzornik skupine.
(70 b ) All supervisors involved in group supervision should be able to understand the decisions made, in particular when those decisions are made by the group supervisor.
Vse bistvene informacije, ki so na voljo enemu od nadzornikov, bi bilo treba zato nemudoma posredovati še drugim nadzornikom, da se jim omogoči oblikovanje mnenja na osnovi enakih informacij.
W hen it becomes available to one of the supervisors, the relevant information should therefore immediately be shared with the other supervisors, in order for all supervisors to be able to establish an opinion based on the same relevant information.
Če zadevni nadzorniki ne morejo doseči dogovora, se za rešitev vprašanja lahko pridobi strokovno mnenje odbora CEIOPS.
In the event that the supervisors concerned cannot reach an agreement, qualified advice from CEIOPS should be sought to resolve the situation.
Mehanizem pomoči skupine temelji na medsebojnem zaupanju.
The group support mechanism is based on mutual trust.
Kljub temu je treba okrepiti sodelovanje nadzornih organov, pri katerih ne gre za nadzornika skupine.
However, the involvement of supervisory authorities concerned, not being the group supervisor, should be enhanced.
Vsi sodelujoči nadzorniki bi morali imeti možnost oceniti stanje na podlagi enake količine podatkov.
All supervisors involved in should be able to judge a situation based on the same amount of relevant information.
Če nadzorniki ne dosežejo soglasja, pride v poštev strokovno mnenje tretje stranke, ki zastopa neodvisno stališče.
Where concerned supervisors cannot come to an agreement, it useful to receive a qualified advice from a third party that provides an independent view.
Uvodna izjava 70 c (novo)
Recital 70 c (new)
(70c) Ta direktiva v zvezi z odobritvijo notranjega modela skupine in z delovanjem programa pomoči znotraj skupine predvideva posvetovalno vlogo odbora CEIOPS.
(70 c ) In the context of the approval of internal models and the functioning of the group support regime, this Directive provides a consultative role for CEIOPS.
V tem okviru bi moral nadzorni organ, ki ima pooblastilo za sprejetje končne odločitve, mnenje odbora CEIOPS v celoti upoštevati, tako da bi se izvajal postopek „upoštevaj ali pojasni“.
Within that framework, CEIOPS' advice should be fully taken into account by the supervisory authority having the power to take the final decision, so that a ' comply or explain ' mechanism is implemented.
Postopek „upoštevaj ali pojasni“ bi moral biti prevladujoče načelo pri delovanju sistema pomoči znotraj skupine.
A "comply or explain" mechanism should be the overriding principle governing the operation of the "group support" regime.
(74) Vse zavarovalne in pozavarovalne skupine, ki so predmet nadzornega pregleda, bi morale imeti nadzornika skupine, izbranega izmed sodelujočih nadzornih organov.
(74) All insurance or reinsurance groups subject to group supervision should have a group supervisor appointed from among the supervisory authorities involved.
Pravice in dolžnosti nadzornika skupine morajo vključevati ustrezno usklajevanje in pristojnosti odločanja.
The rights and duties of the group supervisor should comprise appropriate coordination and decision-making powers.