natgillin/translations-raw huggingface dataset:
ob upoštevanju sporočila Komisije z dne 5. julija 2005 z naslovom "Kohezijska politika za podporo rasti in novim delovnim mestom: Strateške smernice Skupnosti, 2007–2013" ( KOM(2005)0299 ),
having regard to the Commission Communication of 5 July 2005 on Cohesion Policy in Support of Growth and Jobs: Community Strategic Guidelines, 2007-2013 ( COM(2005)0299 ),
ob upoštevanju sporočila Komisije z dne 11. december 2007 z naslovom "Lizbonska strategija za rast in delovna mesta, ki jo države članice in regije izvajajo v okviru kohezijske politike EU v obdobju 2007–2013" ( KOM(2007)0798 ),
having regard to the Commission Communication of 11 December 2007 on Member States and Regions delivering the Lisbon strategy for growth and jobs through EU cohesion policy, 2007-2013 ( COM(2007)0798 ),
ob upoštevanju sporočila Komisije z dne 11. decembra 2007 z naslovom "Predlog lizbonskega programa Skupnosti 2008–2010" ( KOM(2007)0804 ),
having regard to the Commission Communication of 11 December 2007 entitled Proposal for a Community Lisbon Programme 2008-2010 ( COM(2007)0804 ),
ob upoštevanju sporočila Komisije z dne 25. junija 2008 z naslovom "Najprej pomisli na male - Akt za mala podjetja za Evropo" ( KOM(2008)0394 ),
having regard to the Commission Communication of 25 June 2008 entitled "Think Small First" - A "Small Business Act" for Europe ( COM(2008)0394 ),
in predloga Komisije z dne 1. oktobra 2008 za Direktivo Evropskega parlamenta in Sveta o spremembi direktiv 2006/48/ES in 2006/49/ES glede bank, pridruženih centralnim institucijam, nekaterih postavk lastnih sredstev, velikih izpostavljenosti, nadzornih režimov in kriznega upravljanja ( KOM(2008)0602 ),
and the Commission proposal of 1 October 2008 for a directive of the European Parliament and of the Council amending Directives 2006/48/EC and 2006/49/EC as regards banks affiliated to central institutions, certain own funds items, large exposures, supervisory arrangements, and crisis management ( COM(2008)0602 ),
ob upoštevanju Uredbe Komisije (ES) št. 1998/2006 z dne 15. decembra 2006 o uporabi členov 87 in 88 Pogodbe pri pomoči
having regard to Commission Regulation (EC) No 1998/2006 of 15 December 2006 on the application of Articles 87 and 88 of the Treaty to
ob upoštevanju Uredbe Komisije (ES) št. 1535/2007 z dne 20. decembra 2007 o uporabi členov 87 in 88 Pogodbe ES pri pomočeh
having regard to Commission Regulation (EC) No 1535/2007 of 20 December 2007 on the application of Articles 87 and 88 of the EC Treaty to
v sektorju kmetijske proizvodnje UL L 337, 21.12.2007, str.
aid in the sector of agricultural production OJ L 337, 21.12.2007, p.
ob upoštevanju svoje pisne izjave z dne 8. maja 2008 o mikrokreditu Sprejeta besedila, P6_TA(2008)0199 .
having regard to its declaration of 8 May 2008 on microcredit Texts adopted, P6_TA(2008)0199 .
ob upoštevanju poročila Odbora za ekonomske in monetarne zadeve in mnenj Odbora za proračun, Odbora za industrijo, raziskave in energetiko, Odbora za pravne zadeve in Odbora za pravice žensk in enakost spolov ( A6-0041/2009 ),
having regard to the report of the Committee on Economic and Monetary Affairs and the opinions of the Committee on Budgets, the Committee on Industry, Research and Energy, the Committee on Legal Affairs and the Committee on Women's Rights and Gender Equality ( A6-0041/2009 ),
ker Komisija sedaj opredeljuje mikrokredit kot posojilo v znesku 25 000 EUR ali manj in Priporočilo 2003/361/ES določa, da je mikropodjetje podjetje z manj kot 10 zaposlenimi in z letnim prometom ali letno bilančno vsoto enako ali nižjo od 2 000 000 EUR; ker se navedene opredelitve ne zdijo primerne za vse nacionalne trge in ne omogočajo jasnega razlikovanja med mikrokrediti in mikroposojili mikropodjetjem, mikrokrediti posojilojemalcem, ki niso zanimivi za banke in mikrokrediti mikropodjetjem, ki so zanimiva za banke,
whereas the Commission's current definition of micro-credit is a loan of EUR 25 000 or less and Recommendation 2003/361/EC provides that a microenterprise is one that employs fewer than 10 persons and whose annual turnover or annual balance sheet total does not exceed EUR 2 000 000; whereas those definitions do not seem to be pertinent for all national markets, and do not allow a clear distinction to be drawn between micro-credits and micro-loans to microenterprises, micro-credit for non-bankable borrowers and micro-credit for bankable microenterprises,
ker je težaven dostop do primernih oblik financiranja pogosto naveden kot zelo pomembna ovira za podjetništvo in ker obstaja veliko potencialno povpraševanje po mikrokreditih v Evropski uniji, ki trenutno ni zadovoljeno,
whereas difficult access to appropriate forms of finance is frequently referred to as a very important barrier to entrepreneurship, and there is a significant potential demand for micro-credit in the European Union that is currently not met,
ker se Komisija ni odzvala na zahteve Parlamenta iz resolucije z dne 11. julija 2007 za pripravo akcijskega načrta za mikrofinanciranje, ki bi usklajeval različne politične ukrepe, in omogočil čim boljšo uporabo najboljših praks v Evropske unije in v tretjih državah,
whereas the Commission has not taken up the requests made in Parliament's resolution of 11 July 2007 to draw up an action plan for micro-financing, to coordinate different policy measures, and to make optimal use of best practices in the European Union and in third countries,
ker je Parlament v letu 2008 že drugo leto zapored odobril sredstva za financiranje pilotnega projekta z naslovom "Spodbujanje ugodnejšega okolja za mikrokredite v Evropi" in ker bi bila lahko ta sredstva, čeprav Komisija tega vidika v svojem sporočilu z dne 20. decembra 2007 ne omenja, koristno uporabljena za oblikovanje lastnega kapitala, ki bi lahko služil kot začetni kapital,
whereas in 2008, for the second successive year, Parliament approved appropriations to fund a pilot project entitled "Promoting a more favourable environment for micro-credit in Europe", and whereas, although that the above-mentioned Commission Communication of 20 December 2007 fails to refer to those appropriations, they might usefully be earmarked for the formation of own capital which can serve as start-up capital,
ker številne lastnosti ločijo mikrokredit od navadnega kredita, vključno s kreditom majhnim in srednje velikim podjetjem; ker podjetja, ki iščejo navadne kredite, ponavadi dobijo le-te pri različnih vrstah finančnih ustanov in ker je treba nadalje upoštevati pomen končnega cilja, to je vključitev vseh državljanov v uradni finančni sistem,
whereas several features distinguish micro-credit from ordinary credit, including credit for small and medium-sized enterprises, whereas businesses seeking ordinary credit are generally served by different types of financial institutions, and whereas the importance of the ultimate aim - to include all citizens in the formal financial system - should be borne in mind,
ker mikrokrediti zahtevajo višje stroške poslovanja zaradi majhnega zneska posojila, pomanjkanja (zadostnega) zavarovanja in visokih stroškov opravljanja storitev,
whereas micro-credit entails higher operational costs, due to the small size of the loan, the lack of (sufficient) collateral, and high handling costs,
ker ima področje mikrokreditov inovativne in subjektivne elemente, kot so alternativne zahteve ali odsotnost zahtev po zavarovanju ter neobičajen način ocenjevanja kreditne sposobnosti, in se pogosto dodeljujejo ne samo za ustvarjanje dobička, ampak tudi za kohezijske namene, tako da se poskuša (ponovno) integrirati prikrajšane osebe v družbo,
whereas the business of micro-credit has innovative and subjective elements, such as alternative or no collateral requirements and non-traditional credit worthiness evaluation, and is often granted not only for profit-making, but serves also a cohesion purpose, by trying to (re-)integrate disadvantaged people into society,
ker so mikrokrediti po definiciji majhni, vendar je njihov učinek toliko večji zaradi možnosti "recikliranja" (odobravanja nadaljnjega podobnega posojila po odplačilu), ki ga omogoča običajno kratek rok odplačila, pri čemer se ne sme zanemariti cilja, to je ponovna vključitev prejemnikov mikrokreditov v tradicionalni bančni sistem,
whereas micro-credits are, by definition, small but the possibility of 'recycling' them (granting a further such loan after repayment) due to their generally short maturity multiplies their impact; whereas regard should be had to the objective of reintegrating the recipients into the traditional banking system,
ker lahko mikrokredite nudijo oziroma olajšajo dostop do finančnih sredstev številni ponudniki, kot so neformalni ponudniki finančnih storitev (pooblaščeno P2P posojanje), organizacije v lasti članov (na primer kreditne zadruge), nevladne organizacije, vzajemne družbe in združenja za vzajemno pomoč, mikrofinančni instituti za razvoj skupnosti, jamstvene banke, skladi ter hranilnice, zadružne in poslovne banke, in ker je lahko sodelovanje med različnimi ponudniki koristno,
whereas a range of providers can offer micro-credit or facilitate access to finance, such as informal financial services providers (authorised P2P lending), member-owned organisations (for example credit unions), non-governmental organisations, mutual and provident societies, community development financial institutions, guarantee banks and funds and savings, cooperative and commercial banks, and whereas cooperation between those various providers could be beneficial,
ker je treba priznati posebno strukturo ponudnikov finančnih storitev, ki jo je mogoče najti v Evropski uniji, kot so kreditne zadruge, ki so nebančne finančne ustanove, ki aktivirajo vloge svojih članov za dajanje mikroposojil, in ker se teh struktur ne bi smelo brez premisleka izločiti iz programov financiranja mikrokreditov,
whereas there is a need to recognise the unique structure of financial services providers existing across the European Union such as credit unions which are non-bank financial institutions mobilising members' deposits for micro-lending and those unique structures should not exclude them a priori from relevant micro-credit funding programmes,
ker sedanja finančna kriza in njeni možni učinki na gospodarstvo kot celoto dokazujejo slabe strani zapletenih finančnih produktov in izpostavljajo potrebo po novih načinih povečevanja učinkovitosti in da je treba imeti na voljo vse možne kanale za zagotavljanje finančnih sredstev podjetjem, ki se zaradi likvidnostnega krča soočajo z zmanjšano ponudbo kapitala, zlasti v gospodarsko in socialno zapostavljenih regijah, in hkrati poudarja, kako pomembno je, da institucije usmerijo svoje delovanje v lokalni razvoj in da imajo močno lokalno povezavo in ponujajo vključujoče bančne storitve vsem gospodarskim akterjem,
whereas the current financial crisis and its possible repercussions in the economy as a whole demonstrate the disadvantages of complex financial products and the need to consider ways of enhancing efficiency and having in place all possible channels for providing financing when businesses have reduced access to capital due to liquidity crunch, in particular in economically and socially disadvantages regions, and, at the same time, stress the importance of institutions that focus their business on local development and that have a strong local connection and offer inclusive banking services to all economic actors,
ker je treba spodbujati podjetništvo,
whereas entrepreneurship should be fostered,
ker si potrebno zelo prizadevati za zmanjšanje upravnega bremena za mikropodjetja na najmanjšo možno raven in poziva Komisijo, naj ukrepa temu primerno,
whereas the utmost efforts should be made to reduce the regulatory burden on microenterprises to the strict minimum and the Commission is asked to act accordingly,
ker lahko omejitve obrestne mere odvračajo posojilodajalce od ponujanja mikrokreditov, če zaradi takih omejitev ne morejo pokriti svojih stroškov posojila,
whereas interest rate caps can deter lenders from providing micro-credit if such restrictions prevent them from covering their lending costs,
ker bi morala imeti podpora mikrokreditom pomembno vlogo v revidirani lizbonski strategiji,
whereas supporting micro-credit should play a prominent role in the revised Lisbon Strategy,
ker se tisti, ki želijo prejeti sredstva iz kohezijske politike Evropske unije, da bi ustanovili mala družinska podjetja, v številnih primerih soočajo s težavami pri pridobivanju potrebnih dodatnih sredstev,
whereas in a not-insignificant number of cases those willing to access funds under the EU cohesion policy in order to set up small family businesses, might face difficulties in providing the required co-financing,
ker bi morali biti v središču pobude Evropske unije o mikrokreditih prikrajšani ljudje, kot so (dolgotrajno) brezposelni, prejemniki socialne pomoči, priseljenci, etnične manjšine, kot so Romi, osebe, ki opravljajo neformalno delo ali ki živijo v ogroženih podeželskih območjih, ter ženske, ki želijo ustanoviti mikropodjetje,
whereas disadvantaged people, such as the (long-term) unemployed, welfare dependants, immigrants, ethnic minorities such as the Roma, people active in the informal economy or living in deprived rural areas, and women, who want to establish a microenterprise should be the focus of an EU initiative on micro-credit,
ker je javna intervencija na področju mikrokreditov potrebna, čeprav bi morali v čim večji meri zagotoviti zasebno udeležbo,
whereas although private involvement should be assured to the extent possible, public intervention in the micro-credit business is necessary,
ker obstajajo številne pobude Evropske unije, ki vsebujejo elemente podpore mikrokreditom, ter bi bil zato za oblikovanje takšnih pobud v enoten sistem koristen racionaliziran in bolj osredotočen pristop,
whereas several EU initiatives that entail elements of support for micro-credit exist, and a streamlined and more focused approach, combining such initiatives to form a single system, would be beneficial,
ker je dostop do podpore podjetjem (kot je usposabljanje, poučevanje in vzpostavljanje zmogljivosti) za ustanovitelje mikropodjetij bistven in bi moralo biti usposabljanje za prejemnike mikrokreditov obvezno in ker bi morala biti finančna izobrazba potrošnika ter odgovorno posojanje pomemben del politik vseh mikrofinančnih institucij,
whereas access to business support (such as training, coaching and capacity building) for founders of microenterprises is essential, and training should be mandatory for micro-credit borrowers, and whereas consumer financial education and responsible lending should be an important part of the policies of all micro-finance institutions (MFIs),
ker bi morali morebitni upravičenci do mikrokredita dobiti ustrezen pravni nasvet o sklepanju kreditne pogodbe, ustanovitvi podjetja, izterjavi dolgov, pridobivanju in izvrševanju pravic intelektualne in industrijske lastnine itd., zlasti ko mikropodjetje namerava poslovati v drugih državah članicah ali ima možnosti za to,
whereas the potential beneficiaries of micro-credits should have the benefit of proper legal advice with regard, inter alia, to the conclusion of the credit agreement, setting up a business, debt collection, the acquisition and exploitation of intellectual and industrial property rights, particularly when the micro-business concerned intends or has the potential to do business in other Member States of the European Union;
ker bi dostop do kreditnih podatkov potencialnih kreditojemalcev olajšal dodeljevanje mikrokreditov,
whereas access to credit data of potential borrowers would facilitate the provision of micro-credit,
ker bi bilo treba spodbujati raziskave in izmenjavo najboljših praks na področju mikrokreditov, na primer glede inovativnih tehnik za dodeljevanje, varovanje in zmanjševanje tveganja mikrokreditov, s ciljnimi skupinami in v obsegu, v katerih taki pristopi delujejo v okviru Evropske unije,
whereas research and the exchange of best practices regarding micro-credits should be promoted, e.g. as regards innovative techniques for the granting, safeguarding and risk mitigation of micro-credits, the extent to which and with which target groups such approaches work in an EU context,
ker bi bilo treba preučiti vlogo posrednikov z namenom preprečevanja zlorab ter preučiti nove načine vzpostavitve zaupanja pri posojilojemalcih (na primer s skupinami skupne podpore),
whereas the role of intermediaries should be looked into with a view to preventing abuses, as well as considering alternative ways to establish credibility with borrowers (for example, through peer-support groups),
ker bi bilo treba vzpostaviti okvir Evropske unije za nebančne mikrofinančne institucije, Komisija pa bi morala razviti mehanizem za podporo mirkokreditov, ki bi bil med temi ponudniki mikrokreditov nevtralen,
whereas an EU framework for non-bank MFIs should be established, and the Commission should develop the mechanism for the support of micro-credit which remains neutral among those micro-credit providers,
ker z zakonodajo proti pranju denarja in proti terorizmu ne bi smeli izključiti iz možnosti pridobitve mikrokredita oseb brez stalnega prebivališča ali osebnih dokumentov,
whereas people who have no permanent address or personal identification documents should not be excluded from obtaining micro-credit by legislation on the prevention of money laundering and terrorist financing,
ker bi bilo treba pravila Skupnosti o konkurenci prilagoditi, da bi zmanjšali ovire za odobritev mikrokreditov,
whereas the EC competition rules should be adapted with a view to reducing barriers for the granting of micro-credit,
ker bi morala biti pravila Skupnosti o javnih naročilih v pomoč najemnikom mikrokredita,
whereas EC rules on public procurement should assist micro-credit borrowers,
zahteva, naj Komisija Parlamentu na podlagi členov 44, 47(2) ali 95 Pogodbe ES predloži zakonodajni predlog ali več zakonodajnih predlogov o zadevah, ki so obravnavane v podrobnih priporočilih v nadaljevanju;
Requests the Commission to submit to Parliament on the basis of Article 44, Article 47(2) or Article 95 of the EC Treaty, a legislative proposal or proposals covering the matters dealt with in the detailed recommendations below;
meni, da morajo, kjer je to primerno, finančne posledice zahtevanega predloga ali zahtevanih predlogov kriti dodeljena proračunska sredstva Evropske unije;
Considers that, where appropriate, the financial implications of the requested proposal or proposals should be covered by EU budgetary allocations;
naroči svojemu predsedniku, naj to resolucijo in spremljajoča podrobna priporočila posreduje Komisiji, Svetu ter vladam in parlamentom držav članic.
Instructs its President to forward this resolution and the accompanying detailed recommendations to the Commission, the Council and the governments and parliaments of the Member States.
Priporočilo 1: o dvigovanju osveščenosti glede mikrokreditov
Recommendation 1: on awareness-raising as regards micro-credit
Evropski parlament meni, da bi se moral(-i) zakonodajni akt(-i), ki bo(-do) sprejet(-i), osredotočiti na ureditev naslednjega:
The European Parliament considers that the legislative act(s) to be adopted should aim to regulate the following:
Komisija bi morala zagotoviti uvedbo pojma mikrokredit v ustrezne statistike in zakonodajo o finančnih institucijah.
The Commission should provide for the introduction of the concept of micro-credit in relevant statistics and legislation on financial institutions.
Statistike o mikrokreditih bi morale upoštevati BDP na prebivalca v državah članicah in razlikovati med samozaposlenimi ali družinskimi podjetji ter podjetji z zaposlenimi, ki niso člani družine, da bi zagotovile pozitivno diskriminacijo v korist prvih.
Statistics on micro-credit should take into account the per capita GDP figures in the Member States and distinguish between the self-employed or family-based enterprises and those with employees from outside the family in order to enable positive discrimination in favour of the former.
Komisija bi morala pozvati države članice, da standardizirajo statistične predstavitve mikrokreditov, vključno z zbiranjem in analizo podatkov, razčlenjenih po spolu, starosti in narodnosti.
The Commission should invite the Member States to standardise the statistical presentation of micro-credits, including the collection and analysis of data broken down according to gender, age and ethnic origin;
Komisija bi morala izdelati komunikacijsko strategijo z namenom spodbujati samozaposlovanje kot alternativo zaposlovanju, zlasti pa kot način za preprečevanje brezposelnosti v prikrajšanih ciljnih skupinah.
The Commission should elaborate a communication strategy with a view to promoting self-employment as an alternative to wage earning and, in particular, as a way of escaping unemployment for disadvantaged target groups.
Komisija bi morala pozvati države članice, naj izvajajo davčne spodbude za zasebno udeležbo v poslovanju z mikrokrediti.
The Commission should invite Member States to implement tax incentives for private involvement in the micro-credit business.
Komisija bi morala pozvati države članice, naj zgornje omejitve obrestnih mer omejijo na potrošniška posojila; vendar bi morale države članice imeti pravico do uporabe mehanizma, s katerim bi lahko izključile izjemno visoke obrestne mere.
The Commission should invite Member States to restrict the application of interest-rate caps to consumer loans; however Member States should be able to apply a mechanism by which extraordinary high interest rates can be excluded.
Komisija bi morala z vidika najnovejše krize na trgu drugorazrednih posojil preučiti prednosti in slabosti oblik neposrednih mikrokreditov v primerjavi z listinjenimi kreditnimi aranžmaji.
The Commission should analyse - in the light of the last sub-prime crisis - the advantages and disadvantages of direct micro-credit formats as against securitised credit facilities.
Komisija bi morala zahtevati, naj države članice specifično analizirajo in poročajo o prizadevanjih in rezultatih na področju mikrokreditov v svojih letnih poročilih o nacionalnih programih reform v zvezi z integriranimi smernicami za rast in delovna mesta iz revidirane lizbonske strategije.
The Commission should require Member States specifically to analyse and report on their efforts and results as regards micro-credit in their annual reports on their national reform programmes in connection with the integrated guidelines for growth and jobs of the revised Lisbon Strategy.
Komisija bi morala izrecno obravnavati mikrokredite v svojem letnem poročilu o napredku.
The Commission should expressly address micro-credit in its Annual Progress Report.
Priporočilo 2: o finančni podpori EU
Recommendation 2: on EU funding
Komisija bi morala zagotoviti (so)financiranje projektov, ki se nanašajo na naslednje, pod pogojem, da je tako financiranje posebej namenjeni spodbujanju razpoložljivosti mikrokreditov za vse posameznike in podjetja brez neposrednega dostopa do posojil, ki jih običajno opredelijo države članice na svojih ozemljih kot zapostavljene ciljne skupine (kot so Romi, priseljenci, prebivalci ogroženih podeželskih območij, osebe z negotovo zaposlitvijo in ženske):
The Commission should provide for the (co-)financing of projects relating to the following, provided that such financing is specifically targeted at promoting the availability of micro-credit for all persons and enterprises without direct access to credit, which are usually defined by Member States, within their jurisdiction, as disadvantaged target groups (such as the Roma people, immigrants, people living in deprived rural areas, people with precarious work situations, and women):
zagotavljanje jamstva za ponudnike mikrokreditov s strani nacionalnih ali skladov EU;
the provision by national or EU funds of guarantees for providers of micro-credit;