natgillin/translations-raw huggingface dataset:
Vendar bi morale države članice zagotoviti, da bodo vloge lokalnih občin zajete v tej direktivi, da bi lahko svojo funkcijo opravljale tudi v primeru propada banke.
However, Member States should ensure that the deposits of local municipalities are covered by this Directive so that they can fulfil their functions even in the case of bank failure .
Predlog spremembe se nanaša na spremembe člena 4(1)(j).
This amendment refers to the changes made in Article 4 - paragraph 1 - point j.
(24) Ob prispevkih v sisteme zajamčenih vlog je treba upoštevati stopnjo tveganja, ki so ji njihovi člani izpostavljeni .
(24) Contributions to Deposit Guarantee Schemes should take account of the degree of risk incurred by their members.
(24) Države članice se spodbuja, naj oblikujejo prispevke v sisteme zajamčenih vlog , ki bodo odražali profile tveganj posameznih bank in omogočili pošten izračun prispevkov in spodbujali poslovanje po manj tveganem poslovnem modelu.
(24) Member States are encouraged to set the contributions to Deposit Guarantee Schemes reflecting the risk profiles of individual banks and leading to a fair calculation of contributions and providing incentives to operate under a less risky business model.
Na področjih kreditnega sektorja s posebej nizkim tveganjem, ki jih ureja posebna zakonodaja, tudi v primeru bank za stanovanjsko varčevanje, bi bilo treba zagotoviti ustrezna posebna pravila.
In the case of particularly low-risk sectors of lending which are governed by special laws, including building savings banks, corresponding special arrangements should be provided for.
(26) Obdobje izplačila, ki bo od 31. decembra 2010 naprej znašalo največ šest tednov, ne prispeva k ohranjanju zaupanja vlagateljev in ne zadovoljuje njihovih potreb.
(26) The payout delay of at maximum six weeks from 31 December 2010 , runs counter to the need to maintain depositor confidence and does not meet their needs.
(26) Obdobje izplačila, ki bo od 31. decembra 2010 naprej znašalo največ šest tednov, ne prispeva k ohranjanju zaupanja vlagateljev in ne zadovoljuje njihovih potreb.
(26) The payout delay of a maximum of six weeks from 31 December 2010 runs counter to the need to maintain depositor confidence and does not meet their needs.
Zato bi bilo treba rok za izplačilo do 31. decembra 2013 skrajšati na 7 delovnih dni .
The payout delay should therefore be reduced to a period of 7 working days by 31 December 2013.
Predlog spremembe se nanaša na spremembe člena 7.
This amendment refers to the changes made in Article 7.
(32) Kljub spoštovanju nadzora držav članic nad sistemi zajamčenih vlog bi Evropski bančni organ moral prispevati k izpolnitvi cilja v zvezi z olajševanjem začetka in opravljanja dejavnosti za kreditne institucije, hkrati pa bo vlagateljem zagotavljal učinkovito zaščito.
(32) While respecting the supervision of deposit guarantee schemes by Member States, the European Banking Authority should contribute to the achievement of the objective of making it easier for credit institutions to take up and pursue their activities while at the same time ensuring effective protection for depositors.
Zaradi tega mora organ potrditi, da so pogoji iz te direktive za posojanje med sistemi zajamčenih vlog izpolnjeni, ter ob upoštevanju strogih omejitev iz te direktive navesti zneske, ki si jih vsak sistem lahko izposodi, skupaj z začetno obrestno mero in trajanjem posojila.
To that end, the Authority should confirm that the conditions of borrowing between Deposit Guarantee Schemes laid down in this Directive are fulfilled and state , within the strict limits set by this Directive, the amounts to be lent by each scheme, the initial interest rate as well as the duration of the loan.
V zvezi s tem mora Evropski bančni organ tudi zbirati podatke o sistemih zajamčenih vlog, zlasti o zneskih, ki jih ti krijejo in ki so jih potrdili pristojni organi.
In this respect, the European Banking Authority should also collect information on Deposit Guarantee Schemes, in particular on the amount of deposits covered by them, confirmed by competent authorities .
Druge sisteme zajamčenih vlog mora obveščati o njihovi obveznosti posojanja.
It should inform the other Deposit Guarantee Schemes about their obligation to lend .
Zaradi tega mora organ potrditi, da so pogoji iz te direktive za posojanje med sistemi zajamčenih vlog izpolnjeni, skupaj z začetno obrestno mero in trajanjem posojila.
To that end, the Authority should confirm that the conditions of borrowing between Deposit Guarantee Schemes laid down in this Directive are fulfilled, the initial interest rate as well as the duration of the loan.
Predlog spremembe se nanaša na spremembe člena 10.
This amendment refers to the changes made in Article 10.
(33) Treba je uvesti učinkovit instrument za določitev usklajenih tehničnih standardov na področju finančnih storitev, da se zagotovijo enaki konkurenčni pogoji in ustrezna zaščita vlagateljev po Evropi.
(33) There is a need to introduce an effective instrument to establish harmonised technical standards in financial services to ensure a level playing field and an adequate protection of depositors across Europe .
Take standarde je potrebno razviti zato, da se standardizira izračun prispevkov na podlagi tveganja.
Such standards should be developed in order to standardize the calculation of risk-based contributions .
(33) Treba je uvesti učinkovit instrument za določitev usklajenih tehničnih standardov na področju finančnih storitev, da se zagotovijo enaki konkurenčni pogoji in ustrezna zaščita vlagateljev po Evropi.
(33) There is a need to introduce an effective instrument to establish harmonised technical standards in financial services to ensure a level playing field and an adequate protection of depositors across Europe.
Predlog spremembe se nanaša na spremembe člena 11.
This amendment refers to the changes made in Article 11.
(24a) Nadzorni organi bi morali uporabljati strog postopek izdajanja dovoljenj za vse kreditne institucije, ki se želijo vključiti v sistem zajamčenih vlog.
(24a) Supervisory authorities should apply a rigorous licensing procedure for each credit institution that intends to be part of a Deposit Guarantee Scheme.
Za izdajo dovoljenj morajo veljati ustrezni pogoji.
Licensing should be subject to adequate conditions.
(a) „vloga“ pomeni kakršenkoli pozitivni saldo, ki je posledica sredstev, ostalih na računu, ali začasnih stanj, ki so posledica običajnih bančnih transakcij in jih mora kreditna institucija vrniti po veljavnih pravnih in pogodbenih pogojih , ter kakršen koli dolg, evidentiran s potrdilom, ki ga je izdala kreditna institucija .
(a) 'deposit' means any credit balance which results from funds left in an account or from temporary situations deriving from normal banking transactions and which a credit institution must repay under the legal and contractual conditions applicable , and any debt evidenced by a certificate issued by the credit institution .
njegov obstoj se da dokazati samo s certifikatom, ki ni izpisek računa , razen hranilnih knjižic ;
its existence can only be proven by a certificate other than a statement of account , with the exception of savings books ;
Ta predlog spremembe zajema tradicionalne varčevalne načine, kot so hranilne knjižice.
This amendment allows to cover the traditional savings instruments, such as savings books.
Take vloge se uporabljajo kot nadomestilo za varčevalne račune in so priljubljene med uporabniki v številnih državah članicah.
Such deposits are used as a substitute to savings accounts and are popular among consumers in many Member States.
(h) „ciljna raven“ pomeni 1,5 % upravičenih vlog, za kritje katerih je pristojen sistem zajamčenih vlog;
(h) ‘target level’ means 1.5 % of eligible deposits for the coverage of which a Deposit Guarantee Scheme is responsible;
(h) „ciljna raven“ pomeni 1,25 % kritih vlog, za katere je pristojen sistem zajamčenih vlog;
(h) ‘target level’ means 1,25 % of covered deposits for which a Deposit Guarantee Scheme is responsible;
(Zamenjava besede „upravičen“ z besedo „krit“ velja za celotno besedilo.)
(The change of 'eligible' to 'covered' applies throughout the text.)
Kar zadeva varstvo potrošnikov in omejevanje stroškov, ki se bodo prenesli od finančnih institucij na potrošnike, bi morali ciljna raven in prispevki temeljiti na dejanski količini vlog (krite vloge), ne pa na domnevnih upravičenih vlogah.
With regard to protection of consumers and restricting the costs, which will be transfered from the financial institutions to consumers, the target level and contributions should be based on the actual amount of deposits (covered deposits), not on the hypothetical eligible deposits.
Kreditna institucija lahko prevzema vloge le, če je članica takšnega sistema.
No credit institution may take deposits unless it is a member of such a scheme.
Kreditna institucija lahko prevzema vloge le, če je članica takšnega sistema in izpolnjuje zahteve nadzornih organov .
No credit institution may take deposits unless it is a member of such a scheme and fulfils the requirements of the supervisory authorities .
Nadzorni organi morajo imeti stroge postopke izdajanja dovoljenj za oceno profil tveganja vseh institucij, ki uporabljajo sisteme zajamčenih vlog.
It is necessary for supervisory authorities to have a rigorous licensing procedure to assess the risk profile of each institution that makes use of the Deposit Guarantee Scheme.
V številnih primerih lahko institucije z izjemnim tveganjem za vloge ponudijo visoke stopnje obresti.
We have seen a number of cases where institutions take on extreme levels of risk and therefore are able to offer high rates on deposits.
Te institucije lahko privabljajo stranke le zaradi zaščite, ki jo nudi sistem zajamčenih vlog.
These institutions can only attract customers because of the protection from Deposit Guarantee Schemes.
Zato so potrebni vsaj strogi postopki izdajanja dovoljenj za oceno profila tveganja vseh institucij, ki uporabljajo sisteme zajamčenih vlog.
Therefore it is necessary to at least have a rigorous licensing procedure to assess the risk profile each institution that make use of the Deposit Guarantee Scheme.
Če kreditna institucija ne izpolnjuje svojih obveznosti članice sistema zajamčenih vlog, so o tem nemudoma obveščeni pristojni organi, ki so ji izdali dovoljenje; le-ti skupaj s sistemom zajamčenih vlog takoj storijo vse potrebno, vključno z izrekom sankcij, da bi zagotovili izpolnjevanje obveznosti kreditne institucije.
If a credit institution does not comply with the obligations incumbent on it as a member of a Deposit Guarantee Scheme, the competent authorities which issued its authorization shall be notified immediately and, in collaboration with the Deposit Guarantee Scheme , shall promptly take all appropriate measures including the imposition of penalties to ensure that the credit institution complies with its obligations.
Taka preverjanja se opravijo najmanj vsako leto oziroma pogosteje kadar to zahtevajo okoliščine.
Such tests shall take place at least every year or more frequently when the circumstances require it.
(j) vloge organov,
(j) deposits by authorities,
(j) vloge vladnih in osrednjih, deželnih in regionalnih organov,
(j) deposits by government and central, provincial and regional authorities,
Predlog spremembe omogoča, da bodo zajete tudi vloge lokalnih organov (občin) .
This amendment allows that the deposits of local authorities (municipalities) will be also covered.
Povečini so lokalni organi (občine) majhni subjekti z nizkim proračunom, ki jih propad banke lahko resno ogrozi.
Vast majority of local authorities (municipalities) are small entities with low budgets, which can be seriously endangered in case of bank failure.
Člen 5 – odstavek 1 – pododstavek 1a (novo)
Article 5 – paragraph 1 – subparagraph 1a (new)
Države članice izven euroobmočja zagotovijo enakovreden zaščitni znesek v njihovi valuti, zaokrožen na najbližjo enoto 1 000.
Member States outside the euro area shall provide for an equivalent protection sum set in their currency, rounded to the nearest unit of 1 000.
Države članice izven euroobmočja nimajo gotovosti, ki jo zagotavlja določena stopnja zaščite, zaradi česar so stranke v teh državah članicah prikrajšane.
Member States outside the euro area lack the certainty of a set level for protection which disadvanatges consumers in those Member States.
Ta določeni znesek bo poleg tega poskrbel zato, da nihanja valute ne bodo nepravično vplivala na raven zaščite strank.
This set sum will also ensure that currency fluctuations do not unfairly affect the protection level of consumers.
Poleg tega države članice zagotovijo, da bodo v celoti zaščitene naslednje vloge :
In addition, Member States shall ensure that the following deposits are fully protected:
(a) vloge, ki prihajajo od nepremičninskih transakcij v zvezi z zasebnimi stanovanjskimi objekti za 6 mesecev po dobropisu zneska ali dlje, če se države članice tako odločijo, vendar najdlje 12 mesecev;
(a) deposits resulting from real estate transactions relating to private residential properties for 6 months after the amount has been credited , or longer at the Member State's discretion to a maximum of 12 months;
(b) vloge, ki izpolnjujejo socialne vidike , opredeljene v nacionalnem pravu in so povezane s posebnimi dogodki v življenju, kot so na primer poroka, razveza, invalidnost ali smrt vlagatelja.
(b) deposits that fulfil social considerations defined in national law and are linked to particular life events such as marriage, divorce, invalidity or decease of a depositor.
To kritje ne presega obdobja 12 mesecev po takem dogodku .
The coverage shall not exceed a time period of 12 months after such event .
(b) vloge, ki služijo socialnim namenom , opredeljene v nacionalnem pravu in so povezane s posebnimi dogodki v življenju, kot so na primer poroka, razveza, upokojitev, odpoved, brezposelnost, invalidnost ali smrt vlagatelja.
(b) deposits that serve social purposes defined in national law and are linked to particular life events such as marriage, divorce, retirement, dismissal, redundancy, invalidity or decease of a depositor .
To kritje velja 6 mesecev po dogodku ali dlje, če se države članice tako odločijo, vendar najdlje 12 mesecev ;
The coverage shall be for 6 months after the event, or longer at the Member State 's discretion to a maximum of 12 months ;
Člen 5 – odstavek 2 – točka b a (novo)
Article 5 – paragraph 2 – point b a (new)
(ba) vloge, opredeljene v nacionalni zakonodaji, kot je plačilo zavarovalnih odškodninskih zahtevkov in nadomestil za zdravniško malomarnost, ter plačila, ki so jih določila sodišča, in nadomestila za poškodbe pri kaznivih dejanjih ali krivičnih obsodbah.
(ba) deposits defined in national law such as the payment of insurance claims, compensation for clinical negligence and payments awarded by courts or tribunals as compensation for criminal injuries or wrongful conviction.
To kritje velja za 6 mesece po vknjižbi zneska ali dlje, če se države članice tako odločijo, vendar največ do 12 mesecev.
The coverage shall be for 6 months after the amount has been credited, or longer at the Member State 's discretion to a maximum of 12 months.
Podobno kot v točkah a) in b) tega odstavka omogoča predlog spremembe 100 % kritje začasnih visokih saldov na računih v primeru določenih plačil, kot so zavarovalni odškodninski zahtevki itd.
Similarly to points a) and b) in this paragraph, the amendment allows the 100% coverage for temporary high balances of the accounts in case of special payments such as insurance claims etc.
Državam članicam je prepuščeno, ali to omogočijo v svoji nacionalni zakonodaji.
It is left to Member States to allow such possibility in their national law.
Po potrebi predloži Evropskemu parlamentu in Svetu predlog direktive za prilagoditev zneska iz odstavka 1, ob upoštevanju predvsem razvoja bančnega sektorja ter gospodarskega in denarnega položaja Unije.
If appropriate, the Commission shall submit to the European Parliament and to the Council a proposal for a Directive to adjust the amount referred to in paragraph 1, taking account in particular of developments in the banking sector and the economic and monetary situation in the Union.
Po potrebi predloži Evropskemu parlamentu in Svetu predlog direktive za prilagoditev zneska iz odstavka 1, ob upoštevanju predvsem razvoja bančnega sektorja ter gospodarskega in denarnega položaja Unije , zlasti nihanja valute .
If appropriate, the Commission shall submit to the European Parliament and to the Council a proposal for a Directive to adjust the amount referred to in paragraph 1, taking account in particular of developments in the banking sector and the economic and monetary situation in the Union , and notably of currency fluctuations .
Zgornja meja iz člena 5(1) velja za vse vloge pri isti kreditni ustanovi, ne glede na število, valuto in lokacijo v Uniji.
The limit referred to in Article 5 (1) shall apply to the aggregate deposits placed with the same credit institution irrespective of the number of deposits, the currency and the location within the Union.
Če nacionalno pravo kreditni instituciji omogoča, da deluje pod različnimi blagovnimi znamkami, se vlagatelji obvestijo, če imajo v eni isti kreditni instituciji več kot eno vlogo.
Where national law allows a credit institution to operate under different brands the depositors shall be informed if they have more than one deposit within the same credit institution.
Države članice lahko določijo, da je treba vloge v isti kreditni instituciji združiti pri izračunu zajetega zneska, in v primeru, ko znesek skupnih vlog presega stopnjo kritja na vlagatelja iz člena 5(1), se ustrezno povečajo prispevki iz členov 9 in 11.
Member States may decide that the deposits within the same credit institution are to be aggregated when calculating the amount covered and in case the amount of the aggregated deposits exceeds the coverage level per depositor set out in Article 5(1) then the contributions under Articles 9 and 11 shall be raised accordingly.
Kreditne institucije iz držav članic, ki izvajajo to določbo, ne morejo zagotoviti takšnega kritja v svojih podružnicah v državah članicah, ki kreditnim institucijah ne dovoljujejo, da bi delovale pod različnimi blagovnimi znamkami.
Credit institutions from Member States that apply this provision cannot offer such coverage in their branches operated in Member States that do not allow credit institutions to operate under different brands.
Predlog spremembe omogoča varstvo tudi tistih potrošnikov, ki imajo več vlog v finančni instituciji pod različnimi blagovnimi znamkami, ki pa imajo istega lastnika, npr. z isto licenco.
This amendment allows the protection also for those consumers who have several deposits in financial institutions with different brands but with the same owner, i.e. under the same licence.
Ti potrošniki bodo izplačani v višini do 100.000 EUR za vsako vlogo, če se država članica odloči, da bo pokritje sistemov zajamčenih vlog veljalo za vloge v vsakem subjektu pod različno blagovno znamko iste kreditne institucije.
These consumers will be compensated up to 100 000 Euros for each deposit, if the Member State decides that the DGS coverage shall apply to the deposits placed with each distinct brand entity operated by one credit institution.
Sistemi zajamčenih vlog izplačajo nerazpoložljive vloge v roku 7 delovnih dni po datumu, ko so ustrezni pristojni organi sprejeli ugotovitev iz člena 2(1)(e)(i) ali ko je pravosodni organ sprejel odločitev iz člena 2(1)(e)(ii).
Deposit Guarantee Schemes shall repay unavailable deposits within 7 working days of the date on which the competent authorities make a determination as referred to in Article 2(1)(e)(i) or a judicial authority makes a ruling as referred to in Article 2(1)(e)(ii).
Sistemi zajamčenih vlog povečajo razpoložljiva finančna sredstva z rednimi prispevki svojih članic 30. junija in 30. decembra vsako leto.
Deposit Guarantee Schemes shall raise the available financial means by regular contributions from their members on 30 June and 30 December of each year.
Sistemi zajamčenih vlog pridobijo razpoložljiva finančna sredstva z zbiranjem rednih prispevkov svojih članic vsaj enkrat na leto.
Deposit Guarantee Schemes shall raise the available financial means by regular contributions from their members at least once each year.
Sistemi zajamčenih vlog sami odločajo, kako pogosto bodo zbirali prispevke.
It should be left to the DGSs to decide how frequently to collect contributions.
Ker je postopek izračuna in zbiranja prispevkov zapleten, je povsem dovolj, če to poteka enkrat na leto.
Since the calculation and collection of contributions is a burdensome operation, it is amply sufficient for it to be done only once a year.
Ker mora izračun prispevkov temeljiti na ustrezni osnovi, poteka večinoma na podlagi preverjene bilance stanja.
Since the basis for calculating contributions must be a sound one, it would normally be the certified annual accounts.
Tudi to je dodaten razlog, da se prispevki zbirajo enkrat na leto.
This is a further reason why contributions should be collected once a year.
Gospodarske družbe, ki so vključene v isto skupino za namene konsolidiranih računovodskih izkazov, kakor določa Direktiva 83/349/EGS ali priznani mednarodni računovodski standardi, se za izračunavanje omejitev obravnavajo kot ena oseba.
Companies which are included in the same group for the purposes of consolidated accounts, as defined in Directive 83/349/EEC or in accordance with recognised international accounting rules, shall be regarded as a single body for the purpose of calculating this limit.
Meja 5 % bi lahko povzročila težave v malih in srednje velikih državah članicah.
The limit of 5% could cause some problems in small and medium-sized Member States.
Preostale omejitve, povezane z vlogami z majhnih tveganjem, bi morale zagotoviti zanesljivo zaščito.
Other limits concerning low-risk investments of the schemes should provide stabile protection.
Vendar se lahko države članice odločijo, da jih bodo uporabile za financiranje prenosov vlog na drugo kreditno institucijo, v primeru če stroški, ki jih nosi sistem zajamčenih vlog, ne presegajo zneska kritih vlog pri zadevni kreditni instituciji.
Member States may however decide to use them in order to finance the transfer of deposits to another credit institution, provided that the costs borne by the Deposit Guarantee Scheme do not exceed the amount of covered deposits at the credit institution concerned.
V tem primeru sistem zajamčenih vlog v enem mesecu od prenosa vlog predloži poročilo Evropskemu bančnemu organu, v katerem dokaže, da zgoraj navedena meja ni bila presežena.
Proposed modification will not change meaning of the proposed article.
Predlagana sprememba ne bo spremenila pomena predlaganega člena.
It will however make the text clear and consistent with the next subparagraph which also deals with usage of DGSs funds.
(a) finančna sredstva sistema presegajo 1% upravičenih vlog po takšnem ukrepu;
(a) a scheme's financial means exceed 1 % of eligible deposits after such measure;
(a) finančna sredstva sistema presegajo 0,75 % upravičenih vlog po takšnem ukrepu;
(a) a scheme's financial means exceed 0,75 % of eligible deposits after such measure;
Za učinkovitejšo zaščito potrošnikov bi morali imeti sistemi zajamčenih vlog zmožnost, da svoja sredstva uporabijo za zgodnje posredovanje, da bi se zmanjšale posledice morebitnega propada banke za potrošnike in gospodarstvo.
In order to protect consumers more effectively the DGS should be able to use their funds for early intervention so that the effects of a potential bank default on customers and the economy are minimalised.
Glede na posamezen primer in ob upoštevanju dovoljenja pristojnih organov po utemeljenem zahtevku zadevnega sistema zajamčenih vlog, se odstotek iz odstavka (a) lahko določi med 0,75 in 1 % .
On a case by case basis and subject to authorisation by the competent authorities following a reasoned request by the Deposit Guarantee Scheme concerned, the percentage referred to in (a) may be set between 0,75 and 1 %.