natgillin/translations-raw huggingface dataset:
Tudi člani so lahko prispevali k temu, in sicer da so predlagali vključitev dokumentov ali povezav na njihovo zahtevo.
Members were also able to contribute to the web by proposing that documents or links be added at their request.
Na spletni strani je bilo objavljenih tudi vseh 11 dobesednih zapisnikov javnih zaslišanj odbora.
The verbatim transcripts of each of the 11 committee public hearings were also posted on the website.
Povezava do spletne strani:
The link to website is as follows:
- Študija dela 1 mandata (ES 1) : Za pomoč pri navedeni nalogi je preiskovalni odbor zaprosil zunanje strokovnjake.
- Study on part 1 of mandate (ES 1) : In order to help with the tasks at hand, EQUI requested the advice of external experts.
Za ta namen je bila naročena primerjalna študija v okviru proračuna odbora za izvedenska mnenja.
For this purpose, a comparative study was commissioned under the committee's expertise budget.
Strokovnjaki so preučili, kako so bile določbe o bonitetnem nadzoru in pravilih poslovanja življenjskih zavarovalnic, kot je določeno v ustreznih direktivah EU, prenesene v zakonodajo Združenega kraljestva.
The experts were asked to examine how the provisions on prudential supervision and conduct of business rules of life assurance undertakings as laid down in the relevant EU Directives were transposed into UK law.
Študija za vsako od teh določb opredeljuje enakovredne določbe Združenega kraljestva in s tabelo prenosa prikazuje, kdaj so začele veljati.
The study identifies for each of those provisions the matching UK provisions and indicates when they entered into force, by way of a transposition table.
Prenos v zakonodajo Združenega kraljestva se je potem primerjal z izvajanjem zakonodaje na Irskem, v Nemčiji in Španiji.
The transposition in the UK was then compared with implementing legislation in Ireland, Germany and Spain.
Rezultati študije so vključeni v ugotovitve končnega poročila
The results of the study are included in the findings of the final report.
- Študija dela 2 mandata (ES 2) : Da se svetuje članom pri zakonskih in postopkovnih vprašanjih v zvezi s tem delom mandata ter da se zbere in analizira ustrezno osnovno gradivo, je preiskovalni odbor naročil zunanjo študijo regulativne ureditve Združenega kraljestva v zvezi z bonitetnim nadzorom in pravili poslovanja življenjskih zavarovalnic glede zadeve družbe Equitable Life.
- Study on part 2 of mandate (ES 2): To advise members on legal and procedural issues related to this part of the mandate, as well as to collect and analyze relevant background material, the Committee of Inquiry commissioned an external study on the UK regulatory arrangements related to both prudential supervision and conduct of business rules of life assurance undertakings, seen in the context of the Equitable Life case.
Primerjalni pristop vključuje zakonodajalce na področju financ iz Irske, Nemčije in Španije ter druge ustrezne primere prenosa in ureditev v državah članicah EU.
The comparative approach includes financial regulators in Ireland, Germany and Spain and other relevant examples of transposition and regulation in EU Member States.
- Študija dela 3 mandata (ES 3) : Odbor je prejel primerjalno študijo o ustreznosti pravnih sredstev, ki so na podlagi zakonodaje Združenega kraljestva in EU na voljo zavarovancem iz Združenega kraljestva in drugih držav članic v zvezi z zadevo družbe Equitable Life.
- Study on part 3 of the mandate (ES 3): the committee received a comparative study on the adequacy of remedies available under UK and EU law for policyholders from the UK and other Member States in the context of the Equitable Life affair.
Študija zagotavlja popoln seznam obstoječih sodnih in nesodnih shem pravnih sredstev, ki so na voljo na podlagi zakonodaje Združenega kraljestva in EU, ter kakovostno ocenjuje njihovo ustreznost.
The study provides a complete list of existing judicial and non-judicial remedy schemes available under UK and EU law and gives a qualitative judgment of their adequacy.
Obisk delegacij v Dublinu in Londonu
Delegation visits to Dublin and London
Odbor je kot del postopka zbiranja dokazov pri pripravi na izdelavo poročila organiziral dva obiska za ugotavljanje dejstev, in sicer 6. oktobra 2006 v Dublinu in 16. oktobra 2006 v Londonu.
The committee made two fact-finding visits - to Dublin on 6 October 2006 and to London on 16 October 2006 - as part of the evidence-gathering process in preparation for its report.
V Dublinu so se poslanci Evropskega parlamenta srečali z irskimi zavarovanci družbe Equitable Life, zakonodajalci na področju finančnih storitev, irskim varuhom človekovih pravic za finančne storitve in nekdanjim irskim varuhom za človekove pravice na zavarovalniškem področju.
In Dublin, MEPs met Irish Equitable Life policyholders and financial services regulators as well as the Irish Financial Services Ombudsman and the former Insurance Ombudsman of Ireland.
V Londonu so se srečali z britanskimi zavarovanci, sekretarjem za gospodarske zadeve na Ministrstvu za gospodarstvo in finančne zadeve Edom Ballsom, predsednikom Organa za finančne storitve Callumom McCarthyjem, varuhom človekovih pravic za finančne storitve Merricksom, parlamentarno varuhinjo človekovih pravic Abrahamovo in drugimi.
In London, they met British policyholders, Ed Balls, Economic Secretary to the Treasury, the FSA chairman Callum McCarthy, the FOS, Mr Merricks, the Parliamentary Ombudsman, Ms Abraham, and others.
Med obema obiskoma so potekale novinarske konference.
Press conferences were held during both visits.
V zvezi s preiskavo sta bili organizirani dve delavnici:
Two workshops were organized in the context of the investigation:
WS 1: predstavitev študij, 5. oktober 2006, 9.00–12.30
WS 1: Presentation of studies, 5 October 2006, 9:00-12:30
§ študija o prenosu direktiv o življenjskem zavarovanju EU, predstavitev avtorjev (profesorja Takija Tridimasa in predsednika za bančno pravo Johna Lubbocka, Center za gospodarsko pravo, Univerza Queen Mary v Londonu),
§ Study on transposition of EU life insurance directives, presentation by the authors (Taki Tridimas, professor, Sir John Lubbock Chair for Banking Law, Centre for Commercial Law Studies, Queen Mary University of London)
§ študija o regulativnih sistemih, predstavitev avtorjev (direktorice Jane Welch, Center za evropsko finančno in podjetniško pravo, Britanski inštitut za mednarodno in primerjalno pravo),
§ Study on regulatory systems, presentation by the authors (Jane Welch, Director, European Financial and Corporate Law Centre, British Institute of International and Comparative Law)
§ študija o mehanizmih odškodnine avtorjev (profesorja Takija Tridimasa in predsednika za bančno pravo Johna Lubbocka, Center za gospodarsko pravo, Univerza Queen Mary v Londonu),
§ Study on redress mechanisms, presentation by the authors (Taki Tridimas, professor, Sir John Lubbock Chair for Banking law, Centre for Commercial Law Studies, Queen Mary University of London)
WS 2: vprašanja o prenosu, 30. november 2006, 14.30–17.30
WS 2: Transposition issues, 30 November 2006, 14.30-17.30
§ Seja 1: splošna vprašanja o prenosu zakonodaje EU v nacionalno zakonodajo (profesorja Stefan Vogenauer in Bernard Steunenberg),
§ Session 1: General Issues concerning the transposition of EU law into National law (Professor Stefan Vogenauer; Professor Bernard Steunenberg)
Kern Alexander in Lieve Lowet).
Fin-Use; Dr Kern Alexander; Ms Lieve Lowet)
DEL II – PRENOS
PART II - TRANSPOSITION
o domnevnih kršitvah ali nepravilnostih pri izvajanju Direktive 92/96/EGS (tretja direktiva o življenjskem zavarovanju) s strani Združenega kraljestva in o spremljanju izvajanja s strani Evropske komisije
on the alleged contraventions or maladministration in the application of Directive 92/96/EEC (the "Third Life Directive") by the UK and on its monitoring by the European Commission
KAZALO DEL II
INDEX PART II
Področje uporabe
The scope
Direktiva na kratko
The directive in brief
Posebni ukrepi
Specific actions
Preiskava o pravilnem prenosu tretje direktive o življenjskem zavarovanju v zakonodajo Združenega kraljestva in njena uporaba/izvajanje s strani organov Združenega kraljestva v povezavi z družbo ELAS
Investigation into the correct transposition into UK law of the 3LD and its application/implementation by UK authorities in relation to the ELAS
Podrobna analiza prenosa glede na dokaze
Analysis of transposition in detail in light of the evidence
Ključni členi tretje direktive o življenjskem zavarovanju: 8, 10, 18, 25, 28, 31
Key articles of the 3LD: 8, 10, 18, 25, 28, 31
Drugi členi tretje direktive o življenjskem zavarovanju
Other articles of the 3LD
Pomembni členi iz drugih direktiv
Relevant articles from other Directives
Dodatni dokazi o prenosu
Further evidence on transposition
Dokazi Komisije
Evidence by the Commission
Dokazi iz študije izvajanja
Evidence from the implementation study
Drugi izbrani pisni in ustni dokazi o prenosu
Other selected written and oral evidence on transposition
Cilj tega dela poročila (del II) je preiskovalnemu odboru o krizi družbe „Equitable Life Assurance Society“ zagotoviti informacije o tem, ali so pristojni organi v Združenem kraljestvu na nacionalni ravni pravilno prenesli in ustrezno izvajali Direktivo 92/96/EGS
This part of the report (Part II) aims to provide the Committee of Inquiry into the Crisis of the Equitable Life Assurance Society (EQUI) with information on whether Directive 92/96/EEC
Mandat dodatno določa ta oddelek s ponovno navedbo uvodne izjave 7 tretje direktive o življenjskem zavarovanju v zvezi z „ nadzor[om] nad finančno solidnostjo zavarovalnic, vključno z njihovo plačilno sposobnostjo, oblikovanjem ustreznih zavarovalno-tehničnih rezervacij in kritjem teh rezervacij z ustreznimi sredstvi “.
The mandate further specifies this section by reproducing Recital 7 of the 3LD relating to " the monitoring of the financial health of insurance undertakings, including their state of solvency, the establishment of adequate technical provisions and the covering of those provisions by matching assets ".
Analizo o prenosu in izvajanju direktiv je treba izvesti glede na posebne okoliščine v zvezi z družbo Equitable Life Assurance Society (ELAS) ter z vidika celotnega sektorja življenjskega zavarovanja, zlasti v zvezi z njegovo regulativno ureditvijo.
This analysis of the transposition and implementation of the Directives must be undertaken with regards to the specific circumstances surrounding the Equitable Life Assurance Society (ELAS) as well as from the viewpoint of the whole life insurance sector, particularly with regard to its regulatory regime.
Zato mora odbor najprej opredeliti določbe nacionalne zakonodaje Združenega kraljestva, namenjene uresničevanju zahtev direktiv, in preučiti, ali so bile te zahteve v celoti in pravočasno prenesene.
Consequently, the committee needs to identify first of all those provisions of UK national law intended to give effect to the requirements of the Directives, and examine whether these requirements were transposed in a full and timely manner.
Nato bo moral odbor preučiti, ali so različni organi Združenega kraljestva te nacionalne pravne določbe, s katerimi je bila direktiva prenesena, uporabljali v skladu z zakonodajo Združenega kraljestva in tudi zakonodajo EU.
Secondly, the committee will need to examine if the application by the various UK authorities of those national legal provisions which transposed the Directive has been in conformity not only with UK but also with EU law.
Zato bo moral pojasniti zadevne odgovornosti različnih finančnih organov, vpletenih v nadzor družbe Equitable Life v referenčnem obdobju.
For this purpose, it will have to clarify the respective responsibilities of the various financial authorities involved in the supervision of Equitable Life during the reference period.
Izvesti je treba podrobne preiskave, da se ugotovi, kdo, kdaj in kako je nadzoroval plačilno sposobnost družbe Equitable Life, njeno računovodstvo in prakse oskrbe ter kako so se organi odzvali na mogoče pomanjkljivosti.
Detailed investigations need to be carried out to establish by whom, when and how Equitable Life's solvency, its accounting and provisioning practices, were supervised and how the authorities responded to possible weaknesses.
V tem delu (točka II.2.1) je tudi podrobno preučeno, kako je Komisija spremljala izvajanje tretje direktive o življenjskem zavarovanju.
This part (Point II.2.1) will also examine in detail how the Commission has monitored the implementation of the 3LD.
Ta oddelek tega dela je tesno povezan z delom V tega poročila o sistematičnih pomanjkljivostih v Komisiji.
This section of this part is closely linked to Part V of this report on systematic weaknesses in the Commission.
Področje uporabe (direktiva in čas)
The scope (directive and time)
Mandat omejuje področje uporabe preiskovalnega odbora na tretjo direktivo o življenjskem zavarovanju, sprejeto leta 1992, in direktivo, ki jo je kodificirala (v nadaljnjem besedilu „kodificirana direktiva“
The mandate limits EQUI's scope to the 3LD, adopted in 1992, and the directive that codified it (hereafter, the “codified directive”
Direktiva, kakor je bila nazadnje spremenjena z Direktivo 2005/68/ES (UL L 323, 9.12.2005, str.
Directive as last amended by Directive 2005/68/EC (OJ L 323, 9.12.2005, p.
1). ), sprejeto leta 2002.
1). or CD), adopted in 2002.
Vendar je treba poudariti, da je treba preučiti tudi prejšnji direktivi, ki sta bili spremenjeni s tretjo direktivo o življenjskem zavarovanju ter pozneje kodificirani s kodificirano direktivo, to sta prva
However, it should be pointed out that the earlier directives, which were amended by the 3LD and then subsequently codified by the CD, also need to be examined, i.e. the first
50. in druga
(1LD) and second
druga Direktiva Sveta 90/619/EGS z dne 8. novembra 1990 o usklajevanju zakonov in drugih predpisov o neposrednem življenjskem zavarovanju, ki določa določbe za olajšanje učinkovitega uresničevanja svobode opravljanja storitev, in o spremembah Direktive 79/267/EGS, UL L 330, 29.11.1990, str.
Second Council Directive 90/619/EEC of 8 November 1990 on the coordination of laws, regulations and administrative provisions relating to direct life assurance, laying down provisions to facilitate the effective exercise of freedom to provide services and amending Directive 79/267/EEC, OJ L 330 , 29/11/1990 p.50.
50. direktiva o življenjskem zavarovanju iz let 1979 in 1990.
(2LD) life assurance directives, from 1979 and 1990 respectively.
Bistveno je, da tretja direktiva o življenjskem zavarovanju ni edino pravno besedilo, ki ga je treba upoštevati.
The fact that the 3LD is not the only legal text to be taken into account is crucial.
Tretja direktiva o življenjskem zavarovanju dopolnjuje in krepi ključne določbe, ki so že bile vključene v prvo in drugo direktivo o življenjskem zavarovanju.
The 3LD complements and reinforces key provisions that were already contained in 1LD and 2LD.
Poleg tega vsa druga zakonodaja Skupnosti, ki se uporablja v zadevi, ki jo preučuje preiskovalni odbor, prav tako utemeljuje preiskovanje.
Moreover, any other community legislation applicable to the case examined by the EQUI committee will likewise warrant scrutiny.
To zlasti velja za Direktivo 2002/12/ES
This is particularly true of Directive 2002/12/EC
Direktiva 2002/12/ES Evropskega parlamenta in Sveta z dne 5. marca 2002 o spremembi Direktive Sveta 79/267/EGS o zahtevani kapitalski ustreznosti zavarovalnic, ki opravljajo posle življenjskega zavarovanja. , znano tudi pod imenom Solventnost I, pa tudi za druge, ki so navedene v nadaljevanju.
Directive 2002/12/EC of the European Parliament and of the Council of 5 March 2002 amending Council Directive 79/267/EEC as regards the solvency margin requirements for life assurance undertakings. , also known as Solvency I, but also of others, which will be listed further on.
V tej preiskavi se vsa sklicevanja na člene nanašajo na tretjo direktivo o življenjskem zavarovanju, v nekaterih primerih pa so, če je potrebno, ustrezni členi iz drugih direktiv ali kodificirane direktive navedeni v oklepajih.
For the purposes of this inquiry, all allusions to articles will refer to the 3LD and in some instances, if necessary, the equivalent articles from other directives or from the CD will be mentioned in brackets.
Če so med določbami iz različnih direktiv velike razlike, so navedene.
If major differences exist between provisions contained in different directives, they will be specified.
Pri opredelitvi členov je koristno skrbno pregledati korelacijsko tabelo iz Priloge VI h kodificirani direktivi.
For the purpose of identifying articles, it is useful to peruse the Table of correspondence in Annex VI of the CD.
Glavne določbe, pomembne za preiskavo, so v naslovu III tretje direktive o življenjskem zavarovanju, in sicer členi 8–31.
The main provisions relevant to the inquiry are to be found in Title III of the 3LD, namely Articles 8-31.
Časovno obdobje
Time period
Vendar je treba za namene preiskave, in kot je bilo prej razloženo, analizirati dogodke pred letom 1994, v smislu časa veljavnosti prve in druge direktive o življenjskem zavarovanju ter glede na celoten postopek sprejetja tretje direktive o življenjskem zavarovanju pred letom 1994.
Nevertheless, for the purposes of the inquiry, and as has been explained previously, it is necessary to analyze events before 1994, both in terms of the time periods when the 1LD and 2LD were in force and with regards to the whole process of adoption of the 3LD before 1994.
Poleg tega mandat navaja tudi leto 1989 kot izhodišče za preiskavo, kar zadeva obtožbe proti zakonodajalcem Združenega kraljestva.
Moreover, the mandate also mentions the year 1989 as the starting point for the investigation as far as allegations against UK regulators are concerned.
Zato referenčno obdobje v širšem smislu zajema obdobje 1989–2001.
Therefore, in broad terms, the reference period covers 1989-2001.
Direktive na kratko
The directives in brief
Za to preiskavo je najpomembnejša tretja direktiva o življenjskem zavarovanju.
The importance of the 3LD for this inquiry is paramount.
To jasno prikazuje sam mandat, ki navaja uvodno izjavo 7 te direktive, ki se glasi „ nadzor nad finančno solidnostjo zavarovalnic, vključno z njihovo plačilno sposobnostjo, oblikovanjem ustreznih zavarovalno-tehničnih rezervacij in kritjem teh rezervacij z ustreznimi sredstvi “.
This is clearly illustrated by the mandate itself when it quotes Recital 7 of the Directive, which speaks of " the monitoring of the financial health of insurance undertakings, including their state of solvency, the establishment of adequate technical provisions and the covering of those provisions by matching assets ".
Zato so to ključni elementi, ki sestavljajo jedro preiskave v zvezi z vprašanji pravilnega prenosa in nadzora.
Hence, these are the key elements that should form the core of the investigation into the issues of correct transposition and supervision.
Tretja direktiva o življenjskem zavarovanju, ki jo je pozneje dopolnila in nadgradila kodificirana direktiva iz leta 2002, je osnovno besedilo, ki ureja enotni trg za življenjsko zavarovanje v EU.
The 3LD, later complemented and built upon by the 2002 CD, is the basic text governing the single market in life insurance in the EU.
Osnovni načeli besedila sta načeli enotnega dovoljenja in medsebojnega priznavanja.
The text’s basic tenets are the principles of single authorisation and mutual recognition.
Direktiva je vključila glavne določbe iz prve direktive o življenjskem zavarovanju iz leta 1979 (dovoljenje pristojnih organov za življenjske zavarovalnice, določitev primernih zadostnih zavarovalno-tehničnih rezervacij in minimalnega kapitala) ter druge direktive o življenjskem zavarovanju iz leta 1990, ki je ponudnikom življenjskih zavarovanj prvič omogočila koristi od svobode opravljanja čezmejnih storitev.
The Directive incorporated the main provisions contained in the 1979 1LD (authorisation of life assurance undertakings by a competent authority, constitution of adequate sufficient technical provisions and of a solvency margin) and the 1990 2LD, which allowed life assurance providers to benefit from the freedom to provide services across borders for the first time.
Cilj splošnega pristopa v tretji direktivi o življenjskem zavarovanju je bil, da se omogoči določena stopnja uskladitve, kar je takrat veljalo za bistveno izhodišče za doseganje medsebojnega priznavanja dovoljenj ter nadzora varnega in skrbnega poslovanja.
The overall approach pervading the 3LD consisted in bringing about a certain degree of harmonisation, which was considered at the time an essential stepping stone to achieving mutual recognition of authorisations and prudential control systems.
Direktiva je tako omogočila izdajo enotnega dovoljenja, ki velja na celotnem območju Skupnosti, in vključila načelo nadzora domače države članice.
The Directive thus made it possible to grant a single authorisation valid throughout the Community and enshrined the principle of supervision by the home Member State.
Cilj je bil spodbujanje gospodarske učinkovitosti in vključevanja trga tako, da se zavarovateljem dovoli, da delujejo po celotni EU tako, da odprejo poslovalnice ali čezmejno opravljajo storitve.
The aim was to promote economic efficiency and market integration by permitting insurers to operate throughout the EU via the opening of offices or via the cross-frontier provision of services.
To bi potrošnikom omogočilo širšo izbiro zavarovateljev in zavarovalnih produktov, ter jim hkrati zagotovilo, da bi za vse zavarovatelje veljali primerljivi minimalni standardi.
This would give consumers a wider choice of insurer and insurance products, providing them at the same time with the knowledge that all insurers would be subject to comparable minimum standards.
Preiskava glede obtožb v zvezi s prenosom in izvajanjem mora oceniti, ali sta prenesena zakonodaja in regulativni sistem Združenega kraljestva ohranila obliko in vsebino direktive.
The investigation into allegations regarding transposition and implementation must assess whether both the letter and the spirit of the Directive were upheld both by transposed UK law and UK regulatory practice.
Glede na načelo in metode finančnega nadzora direktiva znatno spreminja področje uporabe pristojnosti nadzornih organov iz domačih in tujih držav članic.
With respect to the principle and methods of financial supervision, the Directive significantly modifies the scope of competence of the supervisory authorities of the home and host Member States.
V osnovi zagotavlja, da so organi iz domače države članice odgovorni za nadzor „celotnega poslovanja“ zavarovalnic, ki imajo sedež na svojem ozemlju, in ustrezno omejuje nadzorna pooblastila organov iz tuje države članice glede družb ES, ki delujejo na njihovem ozemlju.
It basically provides that the home Member State’s authorities are responsible for the supervision of the “entire business” of the assurance undertakings whose head office is established in their territory and, accordingly, it curtails the supervisory power of the host Member State’s authorities over EC companies operating within their territory.
Da se olajša izmenjava informacij, potrebnih za nadzor zavarovalnic, ki delujejo v več kot eni državi članici, direktiva uvaja različne izjeme v zvezi z dolžnostjo revizorja glede varovanja skrivnosti, dovoljuje izmenjavo informacij med pristojnimi organi ter revizorjem nalaga dolžnost, da poročajo o dejstvih in odločitvah, ki lahko vplivajo na delovanje podjetja.
In order to facilitate the exchange of information necessary for the supervision of undertakings operating in more than one Member State, the Directive introduces various exceptions to the auditor’s duty of secrecy, authorises the exchange of information between competent authorities and imposes on auditors the duty to report facts and decisions that may affect the functioning of the undertaking.
Številne določbe so namenjene zagotavljanju potrebne uskladitve finančnih garancij zavarovalnic.
A number of provisions are devoted to providing the necessary harmonisation of the financial guarantees of assurance undertakings.