natgillin/translations-raw huggingface dataset:
Obstoječe zavarovalne jamstvene sheme odražajo posebnosti nacionalnih trgov in so strukturno izredno različne.
Existing IGS reflect the specificities of national markets and are highly heterogeneous in structure.
Zaradi tega po poročevalčevem mnenju, če je varstvo potrošnikov in davkoplačevalcev dosledno in se da dobro zagotoviti, v tem trenutku ni potrebe po usklajenem evropskem pristopu k financiranju zavarovalnih jamstvenih shem.
As a result, provided consumer and tax-payer protection are consistent and can be assured, your rapporteur does not see the value in adopting a harmonised European approach to funding IGS at this point.
Še posebej pa ne želi podpreti pristopa z vnaprejšnjim financiranjem v okviru direktive, katere namen je minimalna uskladitev.
In particular, your rapporteur would not support mandating an ex-ante approach within a minimum harmonisation directive.
• zavarovatelji v nasprotju z bankami niti v času gospodarske krize ne propadajo množično, saj je njihov finančni profil drugačen in niso toliko sistemsko povezani med seboj,
• Even during financial crises insurers – unlike banks – do not tend to crash en masse on account of their different funding profile and lack of systemic inter-linkages
• nesolventnost ali stečaj zavarovatelja ne povzroči takojšnjih finančnih terjatev, saj so terjatve v zvezi s policami s potrošniškega vidika zelo nelikvidne, ravno nasprotno kot bančne vloge fizičnih oseb,
• The insolvency/bankruptcy of an insurer does not result in immediate funding requirements, policy claims being very illiquid from a consumer perspective, unlike retail deposits at banks
• kljub trditvam, da so članske sheme z vnaprejšnjim financiranjem moralno vprašljive, ni trdnih dokazov o tem, ali imajo zavarovatelji z različnimi shemami financiranja zaradi tega tudi različen profil tveganja,
• Despite claims that membership of ex-ante schemes reduces moral hazard, there is no evidence to suggest that insurers operating under existing ex-ante or ex-post schemes in Europe adopt differing risk profiles as a result
• na makro ravni je vprašljivo, ali bi bila shema z vnaprejšnjim financiranjem ustrezno velika, da bi lahko pripomogla k zmanjšanju procikličnih učinkov krize.
• It is questionable at a macro-level whether an ex-ante scheme would be of sufficient size to make any contribution to lessening the pro-cyclical impacts of a crisis
Poročevalec vendarle priznava, da je nekaj primerov tržne koncentracije, kjer bi lahko zaradi stečaja enega ali več zavarovateljev prišlo do znatnega pritiska na zmožnost zavarovalnih jamstvenih shem za absorpcijo vseh terjatev, še preden bi lahko nadzorniki družbo in/ali zavarovalne portfelje prestrukturirali in/ali jih prodali naprej.
However, your rapporteur does recognise that in a small number of markets concentration exists whereby the bankruptcy of one or a number of insurers could place significant strain on the ability of an IGS to absorb all claims made before supervisors could restructure and/or sell-on the business and/or insurance portfolios.
To bi lahko pomenilo tudi, da bi morali stroške teh terjatev kriti davkoplačevalci.
This could ultimately result in the tax-payer having to foot the bill for covering the costs of claims.
Poročevalec meni, da bi bilo v takih okoliščinah nujno, da pristojni matični nadzornik zagotovi, da so dodatna tveganja nacionalne zavarovalne jamstvene sheme zaradi navzočnosti enega ali več velikih zavarovateljev upoštevana z dodatnimi nadzornimi standardi.
In such a situation your rapporteur believes that it is incumbent upon the responsible 'home' supervisor to ensure that the additional risk posed to a national IGS through the presence of one or more large insurers is accounted for through additional supervisory standards.
To bi bilo lahko urejeno s splošnim skladom za vnaprejšnje financiranje, dodatnimi kapitalskimi zahtevami po direktivi Solventnost II za te velike zavarovatelje (po drugem stebru ali strožjem notranjem modelu potrjevanja), prispevki izvoznikov zavarovanj za shemo vnaprejšnjega financiranja, zahtevo, da zavarovatelj zagotovi dodatna sredstva na depozitnem računu, ali s kakim drugim pristopom.
This could be in the form of a general ex-ante fund, additional capital requirements levied under Solvency II to those larger insurers (under Pillar 2 or more stringent internal model approval), the contribution of insurance exporters to a specific ex-ante scheme, requiring an individual insurer to set aside additional funds in an escrow account, or another approach.
Ker bi imela nesolventnost nacionalne zavarovalne jamstvene sheme hude posledice za tržno zaupanje po vsej Evropi, bi morali nacionalni nadzorniki skupaj z organom EIOPA izvajati posamično in vseevropsko testiranje izjemnih situacij za zavarovalne jamstvene sheme, s čimer bi zagotovili, da bodo zmožne obstati kljub propadu enega ali več zavarovateljev, in izdajati priporočila, kadar bi ugotovili, da je kateri model zavarovalne jamstvene sheme pomanjkljiv.
Given the implications of the failure of a national IGS scheme to market confidence throughout Europe, national supervisors in coordination with EIOPA should conduct market specific and Europe-wide stress testing of national IGS to ensure they are capable of withstanding the failure of one or more insurers, and make recommendations where such IGS models are found to be insufficient.
Ob tem bi morali izvajati redne medsebojne strokovne preglede, s čimer bi zagotovili izmenjavo zgledov najboljše prakse pri pristopih k zavarovalnim jamstvenim shemam.
This should be accompanied by peer reviews to ensure sharing of best practice approaches to IGS.
A. ker je nedavni upad gospodarske rasti poudaril številne resne pomanjkljivosti in neenakosti na enotnem trgu, ki so škodljive za zaupanje potrošnikov in državljanov; ker mora EU sprejeti nujne ukrepe ter v vseh sedanjih in prihodnjih pobudah ustrezno upoštevati interese potrošnikov, da bi zavarovala njihove pravice in povrnila njihovo zaupanje v finančne trge,
A. whereas the recent economic downturn has exposed a number of serious shortcomings and inequalities in the Single Market, all of which have had adverse implications for consumers’ and citizens’ confidence; whereas, in order to protect consumers’ rights and restore their confidence in the financial markets, the EU must take urgent action and take due account of consumer interests in all current and future initiatives,
B. ker pomanjkanje usklajenih ureditev za zavarovalne jamstvene sheme na evropski ravni in različni režimi med državami članicami povzročajo neučinkovito in neenako varstvo imetnikov zavarovalnih polic in z izkrivljanjem čezmejne konkurence upočasnjujejo delovanje zavarovalniškega trga,
B. whereas the lack of harmonised IGSs at European level and the diverse regimes among Member States have led to ineffective and uneven protection for insurance policy holders and have slowed down the functioning of the insurance market by distorting cross-border competition,
4. meni, da mora Komisija zaradi zagotovitve celovite in stalne zaščite za imetnike polic in upravičence ohraniti in upoštevati druge obstoječe zaščitne mehanizme in zakonodajne določbe; je prepričan, da je treba zavarovalno jamstveno shemo uporabiti, kadar odpovejo drugi zaščitni mehanizmi;
Argues that, in order to ensure comprehensive and continuous protection for policyholders and beneficiaries, the Commission should retain and take into account other protection mechanisms and legislative provisions that are already in place; believes that the IGS should be activated when other protection mechanisms have failed;
7. vztraja, da bi morale biti informacije, ki so na voljo potrošnikom v primeru zavarovateljeve nesolventnosti, lahko dostopne, celovite in enostavne, z jasno navedbo, na koga se potrošniki lahko obrnejo za vložitev zahtevkov ali poizvedb; je prepričan, da bi z vzpostavitvijo enotne kontaktne točke za vse finančne jamstvene ali odškodninske sheme zagotovili, da bo veljavna zakonodaja potrošnikom res koristila, zlasti v zvezi z dajanjem informacij in omogočanjem čezmejnih stikov in plačil;
Insists that the information available to consumers in the event of an insurer’s insolvency should be easily accessible, comprehensive and easy to follow, with clear indications as to which authority the consumer should approach when making claims or enquiries; is convinced that setting up a single point of contact for all financial guarantee or compensation schemes would ensure that the existing legislation really benefited consumers, especially as regards providing information and facilitating cross-border contact and payments;
10. ugotavlja, da meje odškodnin za podobna zavarovanja in bančne investicijske produkte na številnih zavarovalniških trgih v EU niso usklajene; meni, da bi morala Komisija zagotoviti, da se v takih primerih enaka raven zaščite, kot se uporablja za bančne vloge in investicijske sklade, uporablja tudi za imetnike zavarovalnih produktov, ki so jih prodale zavarovalnice;
Notes that, in a number of insurance markets within the EU, compensation limits for similar insurance and banking investment products are not aligned; considers that the Commission should ensure that in such cases the same level of protection that applies to bank deposits and investment funds applies to holders of insurance-linked investment products sold by insurance companies;
Pablo Arias Echeverría, Adam Bielan, Lara Comi, Anna Maria Corazza Bildt, António Fernando Correia De Campos, Jürgen Creutzmann, Christian Engström, Evelyne Gebhardt, Louis Grech, Małgorzata Handzlik, Iliana Ivanova, Philippe Juvin, Sandra Kalniete, Eija-Riitta Korhola, Edvard Kožušník, Kurt Lechner, Toine Manders, Mitro Repo, Robert Rochefort, Zuzana Roithová, Heide Rühle, Matteo Salvini, Christel Schaldemose, Andreas Schwab, Eva-Britt Svensson, Róża grofica Thun und Hohenstein, Kiriakos Triantafilidis (Kyriacos Triantaphyllides), Emilie Turunen, Bernadette Vergnaud, Barbara Weiler
Pablo Arias Echeverría, Adam Bielan, Lara Comi, Anna Maria Corazza Bildt, António Fernando Correia De Campos, Jürgen Creutzmann, Christian Engström, Evelyne Gebhardt, Louis Grech, Małgorzata Handzlik, Iliana Ivanova, Philippe Juvin, Sandra Kalniete, Eija-Riitta Korhola, Edvard Kožušník, Kurt Lechner, Toine Manders, Mitro Repo, Robert Rochefort, Zuzana Roithová, Heide Rühle, Matteo Salvini, Christel Schaldemose, Andreas Schwab, Eva-Britt Svensson, Róża Gräfin von Thun und Hohenstein, Kyriacos Triantaphyllides, Emilie Turunen, Bernadette Vergnaud, Barbara Weiler
Sharon Bowles, Udo Bullmann, Pascal Canfin, Nikolaos Huntis (Nikolaos Chountis), George Sabin Cutaş, Leonardo Domenici, Diogo Feio, Elisa Ferreira, Ildikó Gáll-Pelcz, José Manuel García-Margallo y Marfil, Jean-Paul Gauzès, Sven Giegold, Sylvie Goulard, Liem Hoang Ngoc, Gunnar Hökmark, Wolf Klinz, Jürgen Klute, Philippe Lamberts, Werner Langen, Astrid Lulling, Arlene McCarthy, Ivari Padar, Alfredo Pallone, Ani Podimata (Anni Podimata), Antolín Sánchez Presedo, Olle Schmidt, Edward Scicluna, Peter Simon, Peter Skinner, Theodor Dumitru Stolojan, Ivo Strejček, Kay Swinburne, Marianne Thyssen, Ramon Tremosa i Balcells, Corien Wortmann-Kool
Sharon Bowles, Udo Bullmann, Pascal Canfin, Nikolaos Chountis, George Sabin Cutaş, Leonardo Domenici, Diogo Feio, Elisa Ferreira, Ildikó Gáll-Pelcz, José Manuel García-Margallo y Marfil, Jean-Paul Gauzès, Sven Giegold, Sylvie Goulard, Liem Hoang Ngoc, Gunnar Hökmark, Wolf Klinz, Jürgen Klute, Philippe Lamberts, Werner Langen, Astrid Lulling, Arlene McCarthy, Ivari Padar, Alfredo Pallone, Anni Podimata, Antolín Sánchez Presedo, Olle Schmidt, Edward Scicluna, Peter Simon, Peter Skinner, Theodor Dumitru Stolojan, Ivo Strejček, Kay Swinburne, Marianne Thyssen, Ramon Tremosa i Balcells, Corien Wortmann-Kool
o celovitem pristopu k varstvu osebnih podatkov v Evropski uniji
on a comprehensive approach on personal data protection in the European Union
Poročevalec: Axel Voss
Rapporteur: Axel Voss
MNENJE Odbora za kulturo in izobraževanje ..................................................26
OPINION of the Committee on Culture and Education ................................26
MNENJE Odbora za pravne zadeve ...........................................................................30
OPINION of the Committee on Legal Affairs ......................................................30
IZID KONČNEGA GLASOVANJA V ODBORU...................................................................34
RESULT OF FINAL VOTE IN COMMITTEE.........................................................................35
– ob upoštevanju Pogodbe o delovanju EU, zlasti člena 16,
– having regard to the Treaty on the Functioning of the European Union, and in particular Article 16 thereof,
– ob upoštevanju Listine Evropske unije o temeljnih pravicah, zlasti členov 7 in 8, in Evropske konvencije za varstvo človekovih pravic in temeljnih svoboščin, zlasti člena 8 o zaščiti zasebnega in družinskega življenja in člena 13 o učinkovitem pravnem sredstvu;
– having regard to the Charter of Fundamental Rights of the European Union, in particular its Articles 7 and 8, and to the European Convention for the Protection of Human Rights and Fundamental Freedoms (ECHR), in particular Article 8 on the protection of private and family life and Article 13 on effective remedy,
– ob upoštevanju Okvirnega sklepa Sveta 2008/977/PNZ z dne 27. novembra 2008 o varstvu osebnih podatkov, ki se obdelujejo v okviru policijskega in pravosodnega sodelovanja v kazenskih zadevah
– having regard to Council Framework Decision 2008/977/JHA of 27 November 2008 on the protection of personal data processed in the framework of police and judicial cooperation in criminal matters
UL L 350, 30.12.2008, str.
OJ L 350, 30.12.2008, p.
– ob upoštevanju Uredbe (ES) št. 45/2001 Evropskega parlamenta in Sveta z dne 18. decembra 2000 o varstvu posameznikov pri obdelavi osebnih podatkov v institucijah in organih Skupnosti in o prostem pretoku takih podatkov
– having regard to Regulation (EC) No 45/2001 of the European Parliament and of the Council of 18 December 2000 on the protection of individuals with regard to the processing of personal data by the Community institutions and bodies and on the free movement of such data
– ob upoštevanju Direktive 2002/58/ES Evropskega parlamenta in Sveta z dne 12. julija 2002 o obdelavi osebnih podatkov in varstvu zasebnosti na področju elektronskih komunikacij (Direktiva o zasebnosti in elektronskih komunikacijah)
– having regard to Directive 2002/58/EC of the European Parliament and of the Council of 12 July 2002 concerning the processing of personal data and the protection of privacy in the electronic communications sector (Directive on privacy and electronic communications)
– ob upoštevanju Konvencije 108 Sveta Evrope z dne 28. januarja 1981 o varstvu posameznikov glede na avtomatsko obdelavo osebnih podatkov , ki jo nadalje razvija Direktiva 95/46/ES in njen dodatni protokol z dne 8. novembra 2001 v zvezi z nadzornimi organi in čezmejnim prenosom podatkov, ter priporočil Odbora ministrov državam članicam, zlasti priporočila št.
– having regard to Council of Europe Convention 108 of 28 January 1981 for the Protection of Individuals with regard to Automatic Processing of Personal Data that Directive 95/46/EC develops and the additional protocol thereto of 8 November 2001 regarding supervisory authorities and transborder data flows, and to the Committee of Ministers’ recommendations to Member States, in particular Recommendation No.
R (87) 15, ki določa uporabo osebnih podatkov v policijskem sektorju, in priporočila CM/Rec.
R (87) 15 regulating the use of personal data in the police sector and Recommendation CM/Rec.
(2010)13 o varstvu posameznikov v zvezi z avtomatsko obdelavo osebnih podatkov pri profiliranju,
(2010)13 on the protection of individuals with regard to automatic processing of personal data in the context of profiling,
– ob upoštevanju vodilnih načel za ureditev računalniških datotek o osebnih podatkih, kot jih je določila Generalna skupščina Združenih narodov leta 1990,
– having regard to the Guidelines for the regulation of computerised personal data files issued by the United Nations General Assembly in 1990,
– ob upoštevanju sporočila Komisije Evropskemu parlamentu, Svetu, Evropskemu ekonomsko-socialnemu odboru in Odboru regij z naslovom „Celovit pristop k varstvu osebnih podatkov v Evropski uniji“ ( KOM(2010)0609 ),
– having regard to the Commission communication to Parliament, the Council, the Economic and Social Committee and the Committee of the Regions entitled ‘A comprehensive approach on personal data protection in the European Union’ ( COM(2010)0609 ),
– ob upoštevanju sklepov Sveta o sporočilu Komisije z naslovom „Celovit pristop k varstvu osebnih podatkov v Evropski uniji“
– having regard to the Council conclusions concerning the Commission communication entitled ‘A comprehensive approach on personal data protection in the European Union’
– ob upoštevanju mnenja evropskega nadzornika za varstvo podatkov z dne 14. januarja 2011 o sporočilu Komisije z naslovom „Celovit pristop k varstvu osebnih podatkov v Evropski uniji“,
– having regard to the opinion of the European Data Protection Supervisor (EDPS) of 14 January 2011 concerning the Commission communication entitled ‘A comprehensive approach on personal data protection in the European Union’,
– ob upoštevanju skupnega prispevka delovne skupine za varstvo podatkov iz člena 29 in delovne skupine za policijo in pravosodje k posvetovanju Evropske komisije o pravnem okviru za temeljno pravico do varstva podatkov z naslovom „Prihodnost zasebnosti“
– having regard to the joint contribution by the Article 29 Data Protection Working Party and the Working Party on Police and Justice to the consultation of the European Commission on the legal framework for the fundamental right to protection of personal data entitled ‘The Future of Privacy’
– ob upoštevanju mnenja 8/10 delovne skupine za varstvo podatkov iz člena 29 o pravu, ki se uporablja
– having regard to Opinion 8/10 of the Article 29 Data Protection Working Party concerning applicable law
– ob upoštevanju svojih prejšnjih resolucij o varstvu podatkov in svoje resolucije o stockholmskem programu
– having regard to its previous resolutions on data protection and its resolution on the Stockholm Programme
– ob upoštevanju poročila Odbora za državljanske svoboščine, pravosodje in notranje zadeve ter mnenj Odbora za industrijo, raziskave in energetiko, Odbora za notranji trg in varstvo potrošnikov, Odbora za kulturo in izobraževanje ter Odbora za pravne zadeve ( A7-0244/2911 ),
– having regard to the report of the Committee on Civil Liberties, Justice and Home Affairs and the opinions of the Committee on Industry, Research and Energy, the Committee on the Internal Market and Consumer Protection, the Committee on Culture and Education and the Committee on Legal Affairs ( A7-0244/2011 ),
A. ker direktiva o varstvu podatkov (95/46/ES) in direktiva EU o telekomunikacijskem svežnju (2009/140/ES) omogočata prost pretok osebnih podatkov na notranjem trgu,
A. whereas the Data Protection Directive 95/46/EC and the EU Telecoms Package Directive 2009/140/EC make the free flow of personal data within the internal market possible,
B. ker je zakonodaja o varstvu podatkov v EU, državah članicah in drugih državah oblikovala pravno tradicijo, ki jo je treba ohranjati in še naprej razvijati,
B. whereas data protection legislation in the EU, the Member States and beyond has developed a legal tradition that must be maintained and further elaborated,
C. ker ostajajo temeljna načela direktive 1995/46/EC o varstvu podatkov veljavna, vendar so bili ugotovljeni različni pristopi pri izvrševanju in zagotavljanju spoštovanja te direktive v državah članicah; ker si mora EU po temeljiti oceni učinka ustvariti celovit, dosleden in sodoben okvir na visoki ravni, ki bo lahko učinkovito varoval temeljne pravice posameznikov, zlasti pravico do zasebnosti, pri obdelovanju osebnih podatkov posameznikov znotraj in onkraj EU, da bi se lahko spopadli s številnimi izzivi, s katerimi se srečuje varstvo podatkov, kot so na primer izzivi, ki jih povzročajo globalizacija, tehnološki napredek, povečana spletna dejavnost, uporaba za vse večje število dejavnosti in skrb za varnost (npr. boj proti terorizmu); ker lahko tak okvir za varstvo podatkov poveča pravno varnost, ohranja upravno breme na najmanjši možni stopnji, ustvarja enotne pogoje za gospodarske subjekte, spodbudi delovanje digitalnega enotnega trga in poveča zaupanje v ravnanje upravljavcev podatkov in organov, ki skrbijo za spoštovanje zakonodaje,
C. whereas the core principle of the 1995/46/EC Data Protection Directive remain valid, but different approaches in Member States’ implementation and enforcement thereof have been observed; whereas the EU must equip itself – after a thorough impact assessment – with a comprehensive, coherent, modern, high-level framework able to protect effectively individuals’ fundamental rights, in particular privacy, with regard to any processing of personal data of individuals within and beyond the EU in all circumstances, in order to face the numerous challenges facing data protection, such as those caused by globalisation, technological development, enhanced online activity, uses related to more and more activities, and security concerns (e.g. the fight against terrorism); whereas a data protection framework such as this can increase legal certainty, keep the administrative burden to a minimum, provide a level playing field for economic operators, boost the digital single market and trigger trust in the behaviour of data controllers and enforcement authorities,
D. ker kršitve določb o varstvu podatkov lahko pomenijo tako resno nevarnost za temeljne pravice posameznika in za vrednote držav članic, da morajo Unija in države članice sprejeti učinkovite ukrepe zoper take kršitve; ker te kršitve vodijo v pomanjkanje zaupanja državljanov, zaradi česar bo oslabljen učinek ustrezne uporabe novih tehnologij, in ker bi bilo zato treba napačno uporabo in zlorabo osebnih podatkov kaznovati s primernimi, strogimi in odvračilnimi sankcijami, vključno s kazenskimi sankcijami;
D. whereas violations of data protection provisions can lead to serious risks for the fundamental rights of individuals and the values of the Member States, so that the Union and the Member States must take effective measures against such violations; whereas such violations lead to a lack of trust on the part of individuals that will weaken expedient use of the new technologies, and whereas misuse and abuse of personal data should therefore be punishable by appropriate, severe and dissuasive sanctions, including criminal sanctions,
E. ker je treba pri zagotavljanju temeljne pravice do varstva osebnih podatkov v celoti upoštevati druge pomembne temeljne pravice iz Listine in druge cilje iz pogodb EU, kot sta pravica do svobode izražanja in obveščanja ter načelo preglednosti,
E. whereas other relevant fundamental rights enshrined in the Charter and other objectives set out in the EU Treaties, such as the right to freedom of expression and information and the principle of transparency, must be fully taken into account when ensuring the fundamental right to protection of personal data,