natgillin/translations-raw huggingface dataset:
ob upoštevanju zelene knjige Komisije o maloprodajnih finančnih storitvah na enotnem trgu ( KOM(2007)0226 ),
having regard to the Commission Green Paper on Retail Financial Services in the Single Market ( COM(2007)0226 ),
ob upoštevanju sporočila Komisije o preiskavi sektorja v skladu s členom 17 Uredbe (ES) št. 1/2003 v zvezi s poslovnimi zavarovanji (končno poročilo) ( KOM(2007)0556 ),
having regard to the Commission Communication on the Sector Inquiry under Article 17 of Regulation (EC) No 1/2003 on business insurance (Final Report) ( COM(2007)0556 ),
ob upoštevanju sporočila Komisije "Enotni trg za Evropo 21. stoletja" ( KOM(2007)0724 ) in zlasti spremljajočega delovnega dokumenta služb Komisije o pobudah na področju maloprodajnih finančnih storitev ( SEK(2007)1520 ),
having regard to the Commission Communication on A single market for 21st century Europe ( COM(2007)0724 ), and, in particular, the accompanying working document by Commission staff on Initiatives in the area of retail financial services ( SEC(2007)1520 ),
ob upoštevanju Uredbe Komisije (ES) št. 358/2003 z dne 27. februarja 2003 o uporabi člena 81(3) Pogodbe ES za določene skupine sporazumov, sklepov in usklajenih ravnanj na področju zavarovalništva UL L 53, 28.2.2003, str.
having regard to Commission Regulation (EC) No 358/2003 of 27 February 2003 on the application of Article 81(3) of the Treaty to certain categories of agreements, decisions and concerted practices in the insurance sector OJ L 53, 28.2.2003, p.
ob upoštevanju njegovega stališča, izraženega na drugi obravnavi z dne 16. januarja 2008, v zvezi s sprejetjem direktive Evropskega parlamenta in Sveta o približevanju zakonov in drugih predpisov držav članic v zvezi s potrošniškimi krediti in o razveljavitvi Direktive Sveta št. 87/102/EGS Sprejeta besedila, P6_TA(2008)0011 .
having regard to its position at second reading of 16 January 2008 on the common position adopted by the Council with a view to the adoption of a directive of the European Parliament and of the Council on credit agreements for consumers and repealing Council Directive 87/102/EEC Texts adopted, P6_TA(2008)0011 .
ob upoštevanju svoje resolucije z dne 12. decembra 2007 o evropskem pogodbenem pravu Sprejeta besedila, P6_TA(2007)0615 .
having regard to its resolution of 12 December 2007 on European contract law Texts adopted, P6_TA(2007)0615 .
ob upoštevanju svoje resolucije z dne 11. julija 2007 o politiki finančnih storitev (2005–2010) – Bela knjiga Sprejeta besedila, P6_TA(2007)0338 .
having regard to its resolution of 11 July 2007 on financial services policy (2005-2010) - White Paper Texts adopted, P6_TA(2007)0338 .
ob upoštevanju svoje resolucije z dne 4. julija 2006 o nadaljnji konsolidaciji na področju industrije finančnih storitev UL C 303 E, 13.12.2006, str.
having regard to its resolution of 4 July 2006 on further consolidation in the financial services industry OJ C 303 E, 13.12.2006, p.
ob upoštevanju poročila Odbora za ekonomske in monetarne zadeve ter mnenja Odbora za notranji trg in varstvo potrošnikov ( A6-0187/2008 ),
having regard to the report of the Committee on Economic and Monetary Affairs and the opinion of the Committee on the Internal Market and Consumer Protection ( A6-0187/2008 ),
ker privolitev državljanov v evropsko povezovanje temelji na konkretnih koristih, ki jih prinaša; ker morajo pri tem vsi državljani dobiti pravičen delež koristi notranjega trga,
whereas citizens" assent to European integration depends on the tangible benefits that they derive from it; whereas all citizens must therefore share fairly the benefits of the internal market,
ker ima bančno poslovanje s prebivalstvom odločilno vlogo pri ustreznem prenosu pogojev denarne politike na trg, zlasti za potrošnike ter mala in srednje velika podjetja (MSP),
whereas retail banking plays a decisive role in the proper transmission of monetary policy conditions to the market, in particular to consumers and small and medium-sized businesses (SMEs),
ker je evropski model ureditve v skladu z Lizbonsko pogodbo trajnostno socialno tržno gospodarstvo,
whereas under the Treaty of Lisbon, the European economic model is a sustainable social market economy,
ker se je integracija notranjega trga za finančne storitve za večja podjetja v zadnjih letih razveseljivo hitro razvijala, medtem ko ima notranji trg za maloprodajne storitve ter za potrošnike in MSP še vedno možnost za razvoj,
whereas in recent years the integration of the internal market in financial services has made encouragingly rapid progress as regards large businesses, but the internal market in financial services for consumers and SMEs still has room for improvement,
Splošne ugotovitve
In general
pozdravlja navedeno zeleno knjigo, ki pokriva bančne, zavarovalniške in pokojninske produkte, ter njene cilje, in sicer zagotovitev konkretnih koristi za potrošnike z večjo izbiro in nižjimi cenami, povečanje zaupanja potrošnikov in krepitev možnosti potrošnikov;
Welcomes the Green Paper, which covers banking, insurance and pension products, and its aims to deliver tangible benefits for consumers by securing greater choice and lower prices, enhancing their confidence and empowering them;
ugotavlja, da ne le potrošniki, temveč tudi MSP manj povprašujejo po čezmejnih finančnih storitvah; poudarja, da je treba zagotoviti, da koristi notranjega trga za finančne storitve izkoristijo tudi mala podjetja; vendar poudarja, da to ne pomeni širitve zakonodaje o varstvu potrošnikov na MSP; poleg tega poudarja, da obsežna maloprodajna strategija vključuje veliko število ukrepov, eden katerih je zakonodaja o varstvu potrošnikov;
Notes that not only consumers but also SMEs are less inclined to take up cross-border financial services; underlines the need to ensure that the advantages of the internal market for financial services also benefit small businesses; points out, however, that this does not imply extending consumer protection law to SMEs; underlines, furthermore, that a comprehensive retail strategy includes a wide range of measures, consumer protection law being only one of the relevant areas;
ocenjuje, da bodo predvsem na strani povpraševanja finančne storitve za potrošnike in MSP zaradi jezikovnih in kulturnih dejavnikov ter potrebe po osebnem stiku večinoma potekale na lokalni ravni; hkrati se zaveda priložnosti, ki jih predstavlja enostavnejši dostop do maloprodajnih trgov na strani ponudbe; zato spodbuja potrošnike in MSP, da izkoristijo prednosti konkurence in ponudbe, ki jih omogočajo čezmejne finančne storitve;
Considers that, especially on the demand side, the provision of financial services to consumers and SMEs is, to a large extent, local, due to linguistic and cultural factors and people's preference for personal contact; recognises, at the same time, the opportunities presented by facilitating retail market access on the supply side; encourages consumers and SMEs, therefore, to take advantage of the gains in competition and supply that cross-border financial services can offer;
poudarja, da je mogoče notranji trg za finančne storitve ustvariti le z ukrepi, ki na uravnotežen način tako na strani povpraševanja kot ponudbe zagotavljajo varno okolje, vključno v zvezi s pogoji za odškodnino; meni, da je bistveno, da takšni ukrepi odpirajo pot novim produktom, storitvam in tržnim udeležencem;
Emphasises that the internal market for retail financial services can be created only by measures that provide a secure environment for both the demand and the supply side, including as regards the conditions for redress; considers it crucial that such measures should open the way for new products, services and market actors;
poudarja, da je treba preučiti in opredeliti okvir in nacionalne pristojnosti za sodelovanje med nacionalnimi nadzornimi organi, da se zagotovijo praktične rešitve za nadzor čezmejnih maloprodajnih finančnih skupin v kratkem času; ima pozitivno mnenje o kolegiju nadzornih organov, ki obravnava finančne konglomerate z več pristojnostmi;
Emphasises the need to examine and define a framework and national mandates for cooperation among national supervisory authorities to provide practical solutions for supervision of cross-border retail financial groups within a short time frame; favours colleges of supervisors dealing with multi-jurisdictional financial conglomerates;
podpira Komisijo pri njenem prizadevanju, da bo podpirala le tiste pobude, ki dokazano prinašajo konkretne koristi za državljane, so dovolj upravičene z analizami stroškov in koristi ter vključujejo izvajanje zanesljivih študij učinka; se strinja, da so čezmejne dejavnosti bistvenega pomena za povečanje konkurenčnosti, ki ponavadi omogoči večjo izbiro, nižje stroške in bolj dinamičen razvoj;
Supports the Commission in its aim only to pursue initiatives that demonstrably offer citizens tangible benefits, are soundly justified by thorough cost-benefit analyses and have been subject to well-conducted impact studies; agrees that cross-border activity is crucial to increase competition, which usually creates more choice, lower costs and more dynamic development;
opozarja, da je treba za zanesljivo študijo učinka vedno ustrezno upoštevati prvotne tržne pogoje; poudarja, da se ocene integracije in konkurence na trgu ter učinkov pobude ne sme izvesti le na podlagi enega kazalnika, ampak na podlagi čim več izmerjenih vrednosti; poziva Komisijo, da poleg cene in obsega ponudbe na trgu upošteva tudi kakovost storitev ter socialni in kulturni okvir;
Points out that a well-conducted impact study must always include a component correctly ascertaining the original market conditions; emphasises that the integration and competitiveness of a market and the impact of an initiative should be assessed not by means of a single indicator alone but on the basis of the largest possible number of measurements; calls on the Commission to take account not only of the price and range of choice on offer but also of the quality of services and the social and cultural context;
ugotavlja, da je pri razpoložljivih zakonodajnih ureditvah ciljna popolna uskladitev, ki pomeni popolno uskladitev bistvenih elementov, ki so nujni, ustrezen pristop za razvoj čezmejnega poslovanja in varstva potrošnikov ter s tem povezovanje maloprodajnega trga; meni, da je treba za tiste elemente, pri katerih uskladitev ni izvedljiva, uveljaviti medsebojno priznavanje različnih nacionalnih pravil;
Notes that of the legislative approaches currently available, targeted full harmonisation, which implies full harmonisation of those key elements that are deemed essential, is the appropriate approach for the development of cross-border business and consumer protection, and thus the integration of the retail market; considers that for those elements where harmonisation is not feasible, mutual recognition of different national rules should apply;
se zaveda, da je bil pojem 28. režim, kot je skupni referenčni okvir, vzpostavljen kot morebitni novi pristop evropske ureditve, da bi omogočil čezmejnim uporabnikom dostop do vseevropskih finančnih produktov z enotno visokim standardom varstva potrošnikov; poziva Komisijo, naj predloži časovni okvir za podrobno raziskavo ali bo 28. režim izvedljiv, ali zanj obstaja povpraševanje s strani sektorja finančnih storitev in potrošnikov ter ali bi lahko ustvarjal pozitivne rezultate; poudarja, da 28. režim nikakor ne sme biti ovira za nove storitve in produkte;
Is aware that the notion of a 28th regime, such as the common frame of reference, has been raised as a possible new approach to European regulation, to enable cross-border users access to pan-European financial products with a uniformly high consumer protection standard; calls on the Commission to put forward a time-frame for a thorough investigation into whether a 28th regime may be feasible, in the event of demand on the part of the financial services industry or consumers, and in the event that it could produce positive results; stresses that, in any event, a 28th regime should form no obstacle to new services and products;
je kritičen glede zamisli o standardizaciji produktov z zakonodajo, če to ovira doseganje cilja večje raznolikosti produktov; meni, da je za izboljšanje primerljivosti konkurenčnih finančnih produktov primeren način pravna uskladitev, na primer informacij ali bonitetnih zahtev;
Is critical regarding the idea of the standardisation of products by means of legislation, if this undermines the aim of greater product diversity; considers that in order to improve comparability of competing financial products, legal harmonisation, for example of information or prudential requirements, is the way forward;
meni, da je samourejanje finančnih storitev v nekaterih primerih lahko učinkovito; poudarja, da je treba samourejanje zlasti v teh določenih primerih spodbujati in pozorno spremljati njegovo izvajanje; spodbuja, da se pri poslovanju s finančnimi storitvami namensko izpolnjujejo cilji zelene knjige s samourejanjem, da se tako zmanjša potreba po zakonodajnih aktih;
Considers that in some cases, self-regulation of the financial services industry can be effective; emphasises that, in particular in those specific cases, self-regulation should be encouraged and its implementation thoroughly monitored; calls on the financial services industry to work steadily towards the aims of the Green Paper by self-regulation and thus reduce the need for legislation;
poudarja, da je treba pri trženju produktov varčevanja in starostnih pokojnin uporabljati posebno dolžnost skrbnega ravnanja, saj so odločitve, ki jih potrošniki sprejmejo na tem področju, ponavadi zanje zelo pomembne;
Points out that a particular duty of care needs to apply to the marketing of savings and old-age pension products, as the decisions that consumers take in that regard are normally decisions of great importance to them;
Večja ponudba in nižje cene za potrošnike in MSP
More choice and lower prices for consumers and SMEs
poudarja, da sta vzpostavitev vseevropske konkurence in čezmejne ponudbe finančnih storitev osnovna pogoja notranjega trga za finančne storitve za potrošnike in MSP; opozarja, da zdrava konkurenca med ponudniki finančnih storitev običajno sproži nižje cene, večjo izbiro in boljšo kakovost; poudarja, da so direktive o finančnih storitvah, ki dajejo prednost MSP, koristne le, če obstaja učinkovita konkurenca med maloprodajnimi ponudniki finančnih storitev;
Stresses that, for the creation of an internal market for financial services for consumers and SMEs, the establishment of Community-wide competition and cross-border provision of financial services are among the basic preconditions; points out that lower prices, more choice and greater quality are what mainly follow from healthy competition between financial services providers; stresses that financial services directives favouring SMEs bring benefits only if there is effective competition between retail financial service providers;
pozdravlja pobudo plačilne industrije o ustanovitvi enotnega evro plačilnega prostora, vendar poudarja, da mora tak sistem povzročiti večjo preglednost, zlasti v zvezi z medbančnimi provizijami;
Welcomes the initiative of the payments industry to create the Single Euro Payments Area, but emphasises that such a system should lead to greater transparency, especially concerning interchange fees;
opozarja Komisijo, da učinkovita konkurenca med ponudniki finančnih storitev nastane zaradi velikega števila udeležencev na trgu, ki si konkurirajo pod enakimi pogoji, in zaradi nenehnega pretoka informacij, primernih za potrošnika; opozarja na svojo resolucijo o konsolidaciji na področju sektorja finančnih storitev, v kateri navaja, da pluralistična struktura bančnega trga EU, na katerem lahko finančne ustanove glede na svoje različne poslovne cilje prevzamejo različne pravne oblike, zelo koristi evropskemu socialnemu tržnemu gospodarstvu, potrošnikom in stabilnosti finančnih trgov;
Reminds the Commission that effective competition between financial service providers is secured by having a large number of market participants competing under equal conditions and a constant flow of consumer-relevant information; draws attention to its resolution on consolidation in the financial services industry, in which it states that the pluralistic structure of the EU banking market, where financial institutions take diverse legal forms in accordance with their diverse business aims, is an asset to the European social market economy, consumers and the stability of the financial markets;
ugotavlja pomembno vlogo, ki jo imajo vzajemne zavarovalnice na EU zavarovalniškem trgu z 68 % zavarovalnic in 25-odstotnim tržnim deležem ter katerih storitve uporablja več kot 230 milijonov evropskih državljanov; poudarja, da sedanja orodja za razvoj poslovanja na notranjem trgu niso združljiva s korporacijsko strukturo vzajemnih zavarovalnic;
Notes the important role that mutual insurers play in the EU insurance market, with 68 % of insurance companies with a 25 % market share, serving more than 230 million European citizens; stresses that current tools to develop business in the internal market are not compatible with the mutual corporate structure;
poudarja, da bi statut evropske vzajemne družbe omogočil vzajemnim zavarovalnicam, da delujejo pod enakimi konkurenčnimi pogoji kot druga zavarovalniška podjetja, zlasti v čezmejnem položaju, s čimer bi se povečala ponudba zavarovalniških produktov; poudarja, da vzajemne organizacije z upravljanjem, ki neposredno vključuje njihove stranke, prispevajo k večjemu splošnem zaupanju potrošnikov v finančne trge EU; je zelo prepričan, da demokratična oblika upravljanja vzajemnih organizacij lahko poveča osveščenost potrošnikov o finančnih trgih in njihovo udeležbo na teh trgih;
Points out that a statute for a European mutual society would allow mutual insurers to operate at the same level as other insurance undertakings, in particular in a cross-border situation, thus increasing the offer of insurance products; emphasises that mutual organisations, because of their governance, which directly involves their customers, contribute to increased overall consumer confidence in the EU financial markets; strongly believes that the participative design of governance of mutual organisations is capable of increasing customer awareness of and participation in the financial markets;
ugotavlja, da lahko prava in pravična konkurenca nastane le pod enakimi konkurenčnimi pogoji; iz tega sklepa, da mora vsak ukrep upoštevati načelo "enak posel, enako tveganje, enaka pravila"; vendar opozarja, da v sektorju finančnih storitev na oblikovanje produktov vpliva predvsem regulativno okolje in da se za raznolikost produktov uporabi nediferencirani pristop "eno merilo za vse"; zato poudarja pomembnost razlikovanja glede na vrsto produkta; vendar je prepričan, da sta primerljiva preglednosti in razkritje zahtev za konkurenčne investicijske produkte, zlasti pri prodaji, nujna; obžaluje, da vprašanje zapletenih finančnih produktov do zdaj ni bilo ustrezno obravnavano; zato poziva Komisijo, naj obravnava neupravičena neskladja in druge pomanjkljivosti zadevnega zakonodajnega okvira;
Notes that real and fair competition can arise only on a level playing field; concludes that any legislation must follow the principle "same business, same risks, same rules"; points out, however, that in the financial services sector, product design is particularly influenced by the regulatory environment and an that undifferentiated "one-size-fits-all" approach would adversely affect product diversity; stresses, thus, the importance of differentiating according to the type of product; is convinced, however, that comparable transparency and disclosure requirements for competing investment products, are needed, in particular, at the point of sale; regrets that, so far, the issue of complex financial products has not been properly addressed; calls upon the Commission, therefore, to address unjustified inconsistencies and other shortcomings of the regulatory framework concerned;
Evropskega parlamenta in Sveta z dne 21. aprila 2004 o trgih finančnih instrumentov, kot sta načeli "najboljšega nasveta" in "dobrega poznavanja svojih strank";
of the European Parliament and of the Council of 21 April 2004 on markets in financial instruments such as those of "best advice" and "know your customer";
obžaluje, da imajo čezmejni ponudniki finančnih storitev zaradi različnih predpisov in prakse nacionalnih nadzornih organov visoke stroške, zanje pa velja pravna negotovost; poziva Lamfalussyjeve odbore, da pri svojem delu okrepijo upoštevanje enotnih EU standardov; zlasti spodbuja dogovor o enostavnih in praktičnih enotnih obrazcih za postopek prijave in pridobivanja dovoljenj;
Regrets that cross-border providers of financial services incur high costs and suffer from legal uncertainty as a result of differing legal provisions and practices of national supervisory authorities; calls on the Lamfalussy committees to step up their work establishing uniform EU standards; advocates, in particular, agreement on simple and practical standard forms for reporting and approval procedures;
meni, da razvoj internetnih storitev spreminja pričakovanje finančnih trgov EU in pomeni priložnost za vodilno vlogo pri razvoju storitev za potrošnike; poziva Komisijo in države članice, da še naprej spodbujajo e-poslovanje in elektronske podpise; poziva jih tudi, da pregledajo direktivo o pranju denarja Direktiva 2005/60/ES Evropskega parlamenta in Sveta z dne 26. oktobra 2005 o preprečevanju uporabe finančnega sistema za pranje denarja in financiranje terorizma (UL L 309, 25.11.2005, str.
Considers that the development of Internet services changes the prospects for EU financial markets and presents an opportunity to take the lead in the development of retail services; calls on the Commission and the Member States to promote e-commerce and the electronic signature further; calls on the Commission and the Member States, moreover, to assess whether the money laundering directive Directive 2005/60/EC of 26 October 2005 of the European Parliament and of the Council on the prevention of the use of the financial system for the purpose of money laundering and terrorist financing (OJ L 309, 25.11.2005, p.
v zvezi s tem, ali ovira čezmejne storitve in kako je mogoče to rešiti;
is hindering the remote provision of services and how such a situation might be remedied;
priznava velik pomen posrednikov finančnih storitev (agentov in borznih posrednikov), ki opravljajo finančne storitve iz drugih držav članic potrošnikom in MSP; poziva Komisijo, naj zagotovi okvir, ki krepi to vejo gospodarstva; ponovno opozarja, da mora vsak okvir za sektor finančnih storitev upoštevati načelo "enak posel, enako tveganje, enaka pravila", ob tem pa se mora izogibati nenatančnemu pristopu "enakega pravilo za vse"; poudarja, da morajo vse določbe za posrednike zagotavljati pravno varnost za agente in borzne posrednike, pa tudi varstvo potrošnikov, na primer pred dvomljivimi prodajnimi praksami; poleg tega poudarja, da je treba določiti tudi pravila o usposabljanju posrednikov finančnih storitev, oglaševanju in svetovanju glede prodaje;
Recognises the great importance of financial service intermediaries (agents and brokers), in providing financial services from other Member States to consumers and SMEs; calls on the Commission to ensure a framework that will strengthen that industrial sector; reiterates that any framework for that sector must follow the principle 'same business, same risks, same rules', while avoiding an ill-adapted 'one-size-fits-all' approach; stresses that any provision for intermediaries must ensure legal certainty for agents and brokers, as well as the protection of consumers, for example from dubious sales practices; emphasises, furthermore, that rules should also be established for the training of financial services intermediaries and advertising and sales consultancies;