natgillin/translations-raw huggingface dataset:
opozarja, da je politika konkurence učinkovito orodje za dokončno vzpostavitev notranjega trga, vendar želja po večji konkurenci ne sme oslabiti upravljanja tveganj v bančnem sektorju ter ogroziti stabilnosti izredno pomembnega in strateškega sektorja svetovnega gospodarstva; poudarja, da je zaupanje trga in potrošnikov bistveno za nadaljnji razvoj finančnih storitev in da je spodbujanje obveščanja potrošnikov o finančnih storitvah nujno za krepitev vloge potrošnikov kot tržnih udeležencev;
Recalls that competition policy is a powerful tool for completing the internal market but that aiming for more competition should neither lead to weakened risk management in the banking sector nor endanger the stability of a particularly crucial and strategic sector of the world economy; emphasises that market and consumer confidence are both essential for the further development of financial services, and that promoting consumer information relating to financial services is necessary to strengthen the role of consumers as market participants;
poudarja, da zelo razdrobljen zakonodajni okvir ovira razvoj čezmejne ponudbe bančnih storitev; zato podpira pobudo Komisije o ponovni oceni Direktive 2002/65/ES Evropskega parlamenta in Sveta z dne 23. septembra 2002 o trženju finančnih storitev potrošnikom na daljavo UL L 271, 9.10.2002, str.
Points out that a highly fragmented regulatory framework is an impediment to the development of the cross-border supply of banking services; supports, therefore, the Commission initiative to reopen its assessment of Directive 2002/65/EC of the European Parliament and of the Council of 23 September 2002 concerning the distance marketing of consumer financial services OJ L 271, 9.10.2002, p.
, ki mora vključevati tudi pregled Direktive o elektronskem poslovanju Direktiva 2000/31/ES Evropskega parlamenta in Sveta z dne 8. junija 2000 o nekaterih pravnih vidikih storitev informacijske družbe, zlasti elektronskega poslovanja na notranjem trgu (Direktiva o elektronskem poslovanju) (UL L 178, 17.7.2000, str.
, which must also involve a review of the directives on electronic commerce Directive 2000/31/EC of the European Parliament and of the Council of 8 June 2000 on certain legal aspects of information society services, in particular electronic commerce, in the Internal Market (Directive on electronic commerce) (OJ L 178, 17.7.2000, p.
in Direktive o elektronskem podpisu Direktiva 1999/93/ES Evropskega parlamenta in Sveta z dne 13. decembra 1999 o okviru Skupnosti za elektronski podpis (UL L 13, 19.1.2000, str.
and electronic signatures Directive 1999/93/EC of the European Parliament and of the Council of 13 December 1999 on a Community framework for electronic signatures (OJ L 13, 19.1.2000, p.
, da bi jih učinkovito usposobili za doseganje njihovih navedenih ciljev;
in order to enable these effectively to achieve their stated aims;
meni, da lahko tudi izvajanje zakonodaje za preprečevanje pranja denarja predstavlja oviro za mobilnost potrošnikov, na primer pri odpiranju čezmejnih tekočih računov zaradi različnih zahtev o identifikaciji in preverjanju, ki jih morajo izpolnjevati banke; poziva Komisijo, naj oceni vpliv, ki ga imajo pravila iz zakonodaje proti pranju denarja na mobilnost potrošnikov;
Takes the view that even the implementation of money laundering legislation may constitute an obstacle to consumer mobility in terms, for example, of the opening of cross-border current accounts, given the varying requirements relating to identification and verification that the banks must fulfil; calls on the Commission to assess the impact on consumer mobility of the rules laid down in money laundering legislation;
Mobilnost potrošnikov
Consumer mobility
poziva Komisijo, naj si prizadeva za olajšanje mobilnosti potrošnikov in spremlja napredek držav članic pri omogočanju možnosti lažje zamenjave izvajalca, s čimer pa se okrepi zdravo konkurenco med izvajalci; želi, da bi se kar v največji možni meri zagotovilo nemoteno izvajanje storitev tudi po zaprtju tekočega računa ali zamenjavi ponudnika in da ne bi prišlo do dragih podvajanj storitev;
Requests the Commission to work towards facilitating consumer mobility and to monitor Member States' progress in allowing consumers more easily to change provider, thus reinforcing healthy competition between providers; would like to see, to the greatest extent possible, no disruption of service even when closing a current account or changing provider and to avoid any costly duplication of services;
poziva, da poenostavitev predpisov o finančnih storitvah in odprava ovir za mobilnost potrošnikov ne smeta voditi k nižjim standardom varstva potrošnikov v državah članicah;
Urges that the simplification of the financial service regulations and the dismantling of barriers to consumer mobility should not lead to lower standards of consumer protection in the Member States;
priporoča, naj se pri zapiranju računa obračuna le v celoti upravičene stroške, da bi se spodbujalo mobilnost in konkurenco; spodbuja bančni sektor, naj razvije najboljše prakse na področju hitrih in učinkovitih postopkov za zamenjavo bančnega računa, pri čemer je treba upoštevati trajanje postopka in z njim povezane stroške; meni, da zamenjava bančnega računa potrošnikov ne sme oškodovati; nasprotuje nepotrebnim pogodbenim povezavam, ki ovirajo mobilnost potrošnikov;
Recommends permitting only fully justified charges for closing accounts, if any, in order to encourage mobility and competition; encourages the banking industry to develop best practices on swift and efficient procedures for account switching, taking into account both the duration of the procedure and the associated costs; is of the opinion that switching current accounts should cause no harm to consumers; opposes any unnecessary contractual terms that impede consumer mobility;
poudarja, da je treba glede vezane prodaje produktov jasno razlikovati med kombinacijami produktov na eni strani, ki so koristne tako za potrošnika kot za banko ter skupne vsem vejam gospodarstva, ter med praksami, ki izhajajo iz nepoštene konkurence, na drugi strani;
Underlines that, as regards product-tying, a clear distinction must be made between product combinations favourable to both consumer and bank and common to all branches of the economy on the one hand, and practices resulting in unfair competition on the other;
meni, da so osnovne finančne storitve, kot je odprtje bančnega računa, pravica, in poziva Komisijo, naj opredeli ovire za izvajanje te pravice in v zvezi s tem najboljše prakse v finančnem sektorju poslovanja s prebivalstvom;
Considers that access to basic financial services, such as opening a bank account, is a right and calls on the Commission to identify the obstacles to the exercise of that right and the best practices of operators in the retail financial sector in that respect;
meni, da je obveščanje potrošnikov za zagotavljanje konkurenčnosti med bankami temeljnega pomena; poziva k zagotavljanju kakovostnejših in bolj čitljivih informacij in tako dostopnih za potrošnike; meni, da so v tem času za potrošnike te informacije težko dostopne in drage;
Is of the opinion that information for consumers is fundamental for ensuring competition among banks; requests information that is of a better quality, more readable and hence accessible to consumers; is of the opinion that, for the time being, it is too often time-consuming and onerous for consumers to obtain such information;
priznava, da med preprečevanjem preobilice informacij in zagotavljanjem zadostnih informacij potrošnikom obstaja neskladje; daje prednost kakovosti pred količino; zato poziva Komisijo, naj potrošniške organizacije povabi k opredelitvi informacij, za katere menijo, da so bistvene pri omogočanju prave izbire potrošnikom;
Recognises that there is a tension between preventing information overload and providing consumers with sufficient information; favours information quality over quantity; calls on the Commission, therefore, to invite consumer organisations to define which information they deem to be essential to enable consumers to make appropriate choices;
poziva Komisijo, naj se trudi zagotoviti, da bo sektor kot dodatek k nacionalnim določbam potrošnikom pred odprtjem njihovega računa zagotovil zgoščen izbor, ki natančno opisuje vse stroške, vključno s stroški zaprtja računa, če obstajajo, na način, ki je primerljiv za vso Evropsko unijo; poziva Komisijo, naj pripravi zakonodajne predloge glede tega, če sektor ne bo izpolnjeval svoje obveznosti;
Requests the Commission to work towards ensuring that the industry, as a supplement to existing national provisions, provides consumers, before they open an account, with a succinct compilation detailing all costs, including closing costs, if any, in a way that is comparable across the European Union; calls on the Commission to propose appropriate legislation in the event that the industry fails to respect its commitment;
pozdravlja študijo Komisije o regulativnem okolju za produkte malih vlagateljev in verjame, da bo to vodilo k boljšemu razkritju stroškov, tveganj in pogojev ter tako zagotovilo uporabne čezmejne primerjave;
Welcomes the Commission's study of the regulatory landscape for retail investment products and trusts that this will lead to better disclosure of costs, risks and conditions and thereby provide useful cross-border comparisons;
priporoča oblikovanje enotnega standarda EU, s katerim bodo ponudniki zagotavljali informacije potrošnikom o osnovnih produktih, povezanih stroških in pogojih, kar bi omogočilo preprosto in pregledno primerjavo, česar povezani produkti zaenkrat ne omogočajo; poziva k razkritju na zahtevo nekaterih verižnih stroškov maloprodajnih finančnih produktov, da se zagotovi enake konkurenčne pogoje; priporoča sektorju, naj dela na izvedljivosti vzpostavitve iskalnika EU, ki bi omogočal preprosto in brezplačno čezmejno primerjavo storitev;
Recommends the creation of a single EU standard for providing information to the costumer by the supplier on their basic products, related costs and conditions in order to allow an easy and transparent comparison where tied products do not allow at the moment; calls for disclosure upon request of value chain costs of retail financial products to ensure level playing field for competition; suggests to the industry to work on the feasibility of setting up a EU-wide research engine to allow easy and free cross-border comparison;
poziva k razvoju programov finančnega izobraževanja, ki so namenjeni povečevanju ozaveščenosti potrošnikov o možnostih upravljanja njihovega denarja;
Calls for the development of financial education programmes aimed at increasing the awareness of consumers as regards their money-management options;
podpira prizadevanja Komisije in sektorja finančnih storitev za povišanje ravni znanja potrošnikov o produktih finančnih storitev in izvajanje izobraževalnih programov na tem področju, saj morajo biti informacije, ki jih ponujajo izvajalci finančnih storitev, za potrošnike razumljive in uporabne;
Supports the efforts made by the Commission and the financial services industry to raise consumers" level of knowledge about financial services products and run educational programmes in that area, as the information supplied by financial service product providers must also be understood and used by the consumer;
opozarja na pomen razvoja finančnega izobraževanja kot dopolnila primernemu varstvu potrošnikov, zlasti na področju bančnega poslovanja s prebivalstvom (na primer kar zadeva posojila, hipoteke, razpršeno in varno varčevanje in naložbe); poziva države članice in bančni sektor, naj sprejmejo in usklajujejo ukrepe za povečevanje finančne pismenosti med državljani, vključno z otroki, mladimi, zaposlenimi in upokojenimi osebami, da bi izobrazili in usposobili potrošnike za iskanje boljših, cenejših in primernejših produktov in storitev, ter naj krepijo konkurenco, kakovost in inovacije v bančnem sektorju; opozarja, da lahko samozavesten vlagatelj zagotovi dodatno likvidnost na kapitalskih trgih;
Recalls the importance of developing financial education as a complement to adequate consumer protection, especially in the field of retail banking (for instance as regards loans, mortgages, diversified and safe saving and investment); calls on the Member States and the banking sector to take and coordinate measures to raise financial literacy among citizens, including children, young people, employees and retired people, with a view to educating and empowering consumers in order to enable them to seek better, cheaper and more appropriate products and services and to foster competition, quality and innovation within the banking industry; recalls that confident investors can provide additional liquidity for capital markets;
poziva države članice, naj premislijo o ustanovitvi institucije neodvisnih nacionalnih varuhov človekovih pravic, ki bodo odgovorni za finančne storitve;
Asks Member States to consider setting up an institution of independent national ombudsmen responsible for financial services;
Posojila – evidence in posredniki
Credit registers and intermediaries
poudarja pomen, ki ga imajo zanesljivi podatki o kreditih in goljufijah, dostopni na pravičen in pregleden način, za banke in druge kreditne ponudnike; kljub temu vztraja, da je treba osebne podatke o potrošnikih zaščititi; poziva Komisijo, naj opredeli ovire za izmenjavo podatkov in pripravi predloge za interoperabilnost evidenc podatkov, pri čemer je treba spoštovati zasebnost potrošnikov ter njihovo pravico do dostopa in popravkov; meni, da je treba potrošnike obveščati o čezmejnih poizvedbah po njihovih podatkih o kreditih; pozdravlja namero Komisije o ustanovitvi strokovne skupine za kreditno zgodovino, ki bo Komisiji v pomoč pri pripravi ukrepov v zvezi s tem;
Stresses the importance of reliable credit and fraud data for banks and other credit providers, accessible on a fair and transparent basis; insists, nevertheless, on the necessity to protect consumers' personal data; requests the Commission to identify obstacles to data sharing and to make proposals for the interoperability of data registers while respecting consumers' private lives and their rights of access and rectification; considers that consumers should be informed in the event of cross-border credit data inquiries relating to them; welcomes the Commission's intention to establish a group of experts on credit histories in order to assist the Commission in the preparation of measures in that regard;
poziva Komisijo, naj poveča delovanje na področju kreditnih posrednikov (agentov ali borznih posrednikov), da bi zagotovila varstvo potrošnikov in preprečila nepregledno prodajo, ki škoduje predvsem ranljivejšim skupinam potrošnikov; v zvezi s tem pozdravlja zavezo Komisije o objavi študije o analizi trga kreditnih posrednikov EU, ki pregleduje njegov zakonodajni okvir in preverja ali katere določbe škodujejo potrošnikom;
Calls on the Commission to intensify its work on credit intermediaries (agents or brokers) in order to ensure consumer protection and avoid opaque practices which are particularly damaging to more vulnerable groups of consumer; welcomes the Commission's commitment, in this context, to publish a study analysing the EU credit intermediation market, reviewing its regulatory framework and examining whether any provisions are detrimental to consumers;
poziva Komisijo, naj pojasni ter uskladi obveznosti kreditnih posrednikov po načelu enaka dejavnost, enako tveganje, enaka pravila, saj se pri prodaji, upravljanju in izvrševanju sporazumov o finančnih storitvah pogosto pojavljajo težave; poudarja, da bi nediferenciran pristop "enega merila za vse" škodoval raznolikosti produktov; opozarja Komisijo, naj razlikuje med posredovanjem informacij, ki morajo biti jasne, jedrnate, čitljive in brezplačne na eni strani, ter opravljanjem svetovalnih storitev za potrošnika po meri na drugi strani;
Requests the Commission to clarify and harmonise the responsibilities and liabilities of credit intermediaries following the principle 'same business, same risks, same rules', since problems often arise in the sale, administration and enforcement of financial services agreements; points out that an undifferentiated 'one-size-fits-all' approach would adversely affect product diversity; draws the Commission's attention to the difference between information, which has to be clear, concise, readable and cost-free on the one hand, and tailor-made client advisory services on the other;
Sodelovanje med bankami
Cooperation among banks
pozdravlja nadaljnje preglede sodelovanja med bankami s strani Komisije, da bi ocenila ali bi tako sodelovanje lahko imelo koristi za gospodarstvo in potrošnike ter ali bi lahko vodilo k omejevanju konkurence; vendar poudarja, da lahko sodelovanje med bankami, na primer kreditnimi institucijami, ki delujejo v decentraliziranih omrežjih, koristi gospodarstvu in potrošnikom, zato pa sta potrebna podrobna analiza in nepristranski pristop;
Welcomes the Commission's further examination of the cooperation among banks in order to assess where such cooperation could result in economic and consumer benefits and whether it could lead to a restriction of competition; underlines, however, that cooperation among banks, for example credit institutions operating in decentralised networks, can result in benefits for the economy and consumers and that, therefore, a careful analysis and an unbiased approach are necessary;
meni, da hranilnice in zadružne banke pa tudi druge kreditne institucije veliko pripomorejo k financiranju lokalnega gospodarstva in razvoja endogenih možnosti regij ter omogočajo lažji dostop do finančnih storitev za vse potrošnike; poudarja, da so pluralistični bančni trgi in raznolikost ponudnikov pogoj za konkurenco na bančnem trgu v EU, če konkurenca ni izkrivljena in so zagotovljeni enaki konkurenčni pogoji za vse tržne udeležence po načelu "enaka dejavnost, enako tveganje, enaka pravila";
Is of the opinion that savings and cooperative banks, as well as other credit institutions, contribute substantially to the financing of the local economy and the development of the endogenous potential of regions and facilitate access to financial services for all consumers; stresses that the pluralism of the banking markets and the diversity of providers are pre-conditions for competition throughout the EU banking market provided that there is no distortion of competition and a level playing field is guaranteed for all market participants on the principle, 'same business, same risks, same rules';
meni, da lahko nediskriminatorno sodelovanje med neodvisnimi kreditnimi subjekti, ki je zaradi medsebojne konkurenčnosti učinkovitejše ter zagotavlja večjo interoperatibilnost in večji izbor storitev za končne potrošnike, pripomore sektorju pri delovanju in doseganju zgoraj podanih ciljev;
Maintains that non-discriminatory cooperation between independent credit entities, which, as they are still competing with each other, is more efficient and ensures greater interoperability and variety of services to the end consumers, can help the sector to function and contribute to achieving the above objectives;
je prepričan, da bi morala SEPA in direktiva o plačilnih storitvah ponuditi rešitve za razdrobljenost in pomanjkanje konkurence, kar je pokazala preiskava sektorja v zvezi s plačilnimi infrastrukturami; opozarja, da je začela 28. januarja 2008 veljati prva faza SEPA, ter poziva k vzpostavitvi celovitih platform za obračun in poravnavo, ki bodo delovale na podlagi enakih pravil in tehničnih standardov; poudarja, da morajo biti merila za dostop do SEPA pravična in pregledna ter da je treba pri upravljanju upoštevati vse interesne skupine v sistemu, ne le finančnih institucij; opozarja tudi, da Direktiva o plačilnih storitvah določa prepoved diskriminacije pri dostopu do plačilnega sistema, razen ko je to potrebno za zaščito pred tveganji ter za varovanje finančne in poslovne stabilnosti; poudarja, da skladno z načelom nevtralnosti politik Skupnosti nobena plačilna metoda ne sme imeti prednosti pred drugo, stroški, povezani z uporabo različnih plačilnih sistemov pa morajo biti pregledni, da lahko potrošniki izberejo svojo plačilno metodo in poznajo vsa dejstva v celoti;
Is confident that the SEPA and the Payment Services Directive should provide solutions for the fragmentation and lack of competition identified by the sector inquiry concerning payment infrastructures; recalls that the first phase of the SEPA entered into force on 28 January 2008 and requires integrated clearing and settlement platforms, operating on the basis of the same rules and technical standards; emphasises that the access criteria to SEPA should be fair and transparent, and that governance should take into account all stakeholders in the system, not just financial institutions; recalls also that the Payment Services Directive provides that there should be no discrimination as regards access to payments systems other than that necessary to safeguard against risk and protect financial and operational stability; points out that under the principle of neutrality of Community policies, no single method of payment should be favoured over another, and the costs related to the use of the various payments systems should be transparent so that consumers can choose their method of payment in full knowledge of the facts;
poziva Komisijo, naj pregleda ali prenos Direktive o plačilnih sistemih zmanjšuje število ponudnikov sistemov poravnave plačil ter takoj sprejme ukrepe, če večji ponudniki razvijejo monopolni položaj, ki bi lahko zmanjšal konkurenčnost;
Calls on the Commission to investigate whether the transposition of the Payment Services Directive is reducing the number of providers of payment settlement services and to take immediate steps if major providers develop a monopoly position that might reduce competition;
ugotavlja, da so Komisija in večje število nacionalnih organov za konkurenco večkrat izrazili, da večstranske medfranšizne provizije same po sebi niso prepovedane v skladu s členom 81 Pogodbe ES; kljub temu ugotavlja, da je Komisija s konkurenčnim pravom Skupnosti svojo pozornost nedavno namenila skladnosti sistema večstranskih medfranšiznih provizij; priporoča, naj Komisija predlaga jasne smernice in navodila za popravilo tržnih pomanjkljivosti; opozarja Komisijo na pomen pravne varnosti za tržne udeležence in za tiste, ki na novo vstopajo na trg, pri razvoju in prenavljanju svojih storitev;
Notes that the Commission and many national competition authorities have stated on numerous occasions that multilateral interchange fees (MIFs) are not prohibited per se under Article 81 of the EC Treaty; notes, nevertheless, that the Commission recently focused on the compatibility of a MIF system with Community competition law; recommends that the Commission propose clear guidelines and indications to correct market imperfections; reminds the Commission of the importance of legal certainty for market participants as well as new market entrants to develop and innovate their services;
opozarja Komisijo, da je enako pomembno osredotočiti se na provizije in cene, kot to velja za doseganje večje preglednosti v sektorju pri obveščanju potrošnikov o naravi plačilnih produktov in storitev ter njihovih pravicah, ki jih imajo kot uporabniki, in s tem spodbuja konkurenčnost na trgu;
Reminds the Commission that it is as important to focus on fees and prices, as it is to achieve greater transparency of the industry in communicating to consumers the characteristics of payment products and services and their rights and obligations as users, thus stimulating more competition in the market;
naroči svojemu predsedniku, naj to resolucijo posreduje Svetu, Komisiji, Evropski centralni banki in Odboru evropskih bančnih nadzornikov.
Instructs its President to forward this resolution to the Council, the Commission, the European Central Bank and the Committee of European Banking Supervisors.
Resolucija Evropskega parlamenta z dne 5. junija 2008 o zeleni knjigi o maloprodajnih finančnih storitvah na enotnem trgu ( 2007/2287(INI) )
European Parliament resolution of 5 June 2008 on the Green Paper on retail financial services in the single market ( 2007/2287(INI) )