natgillin/translations-raw huggingface dataset:
kreditna institucija zagotovi, da od tretje osebe, ki upravlja denarne terjatve za prodajalcaprejme pravočasna in dovolj natančna poročila o zapadlosti in zmanjšanju vrednosti odkupljenih denarnih terjatev, da se zagotovi skladnost z merili primernosti in politikami financiranja, ki urejajo odkupljene denarne terjatve, ter zagotovi učinkovit način za spremljanje in preverjanje prodajnih pogojev prodajalca in stopnjo zmanjšanja vrednosti.
the credit institution shall ensure that it receives from the servicer timely and sufficiently detailed reports of receivables ageings and dilutions to ensure compliance with the credit institution's eligibility criteria and advancing policies governing purchased receivables, and provide an effective means with which to monitor and confirm the seller's terms of sale and dilution.
Učinkovitost razreševalnih sistemov
Effectiveness of work-out systems
Kreditna institucija vzpostavi sisteme in postopke za zgodnje odkrivanje poslabšanj finančnega stanja prodajalca in kakovosti odkupljenih denarnih terjatev ter za proaktivno obravnavanje nastajajočih težav.
The credit institution shall have systems and procedures for detecting deteriorations in the seller's financial condition and purchased receivables quality at an early stage, and for addressing emerging problems pro-actively.
Kreditne institucije vzpostavijo zlasti jasne in učinkovite politike, postopke in informacijske sisteme za spremljanje kršitev dogovorov, ter jasne in učinkovite politike in postopke za začetek pravnih postopkov in za ravnanje s problematičnimi odkupljenimi denarnimi terjatvami.
In particular, the credit institution shall have clear and effective policies, procedures, and information systems to monitor covenant violations, and clear and effective policies and procedures for initiating legal actions and dealing with problem purchased receivables.
Učinkovitost sistemov za kontrolo zavarovanj s premoženjem, razpoložljivosti kredita in gotovine
Effectiveness of systems for controlling collateral, credit availability, and cash
Kreditna institucija vzpostavi jasne in učinkovite politike in postopke, ki urejajo kontrolo odkupljenih denarnih terjatev, kredita in gotovine.
The credit institution shall have clear and effective policies and procedures governing the control of purchased receivables, credit, and cash.
Pisne notranje politike zlasti navajajo vse bistvene elemente programa odkupa denarnih terjatev, vključno s stopnjami predplačil, primernim zavarovanjem s premoženjem, potrebno dokumentacijo, mejami koncentracije in načinom ravnanja z denarnimi prejemki.
In particular, written internal policies shall specify all material elements of the receivables purchase programme, including the advancing rates, eligible collateral, necessary documentation, concentration limits, and the way cash receipts are to be handled.
Ti elementi primerno upoštevajo vse ustrezne in bistvene dejavnike, vključno s finančnim stanjem prodajalca in tretje osebe, ki upravlja denarne terjatve za prodajalca, tveganji koncentracij ter gibanji kakovosti odkupljenih denarnih terjatev ter krogom strank prodajalca, notranji sistemi pa zagotavljajo, da se sredstva izplačajo samo ob hkrati izvedenem prenosu zavarovanja s premoženjem, vključno z dokumentacijo.
These elements shall take appropriate account of all relevant and material factors, including the seller and servicer's financial condition, risk concentrations, and trends in the quality of the purchased receivables and the seller's customer base, and internal systems shall ensure that funds are advanced only against specified supporting collateral and documentation.
Skladnost z notranjimi politikami in postopki kreditne institucije
Compliance with the credit institution's internal policies and procedures
Kreditna institucija vzpostavi učinkovite notranje procese za presojanje skladnosti z vsemi notranjimi politikami in postopki.
The credit institution shall have an effective internal process for assessing compliance with all internal policies and procedures.
OVREDNOTENJE NOTRANJIH OCEN
VALIDATION OF INTERNAL ESTIMATES
Kreditne institucije vzpostavijo zanesljive sisteme za ugotavljanje točnosti in skladnosti bonitetnih sistemov, procesov in ocen vseh zadevnih parametrov tveganja.
Credit institutions shall have robust systems in place to validate the accuracy and consistency of rating systems, processes, and the estimation of all relevant risk parameters.
Kreditne institucije svojemu pristojnemu organu dokažejo, da jim notranji proces ovrednotenja omogoča dosledno in smiselno presojo delovanja notranjega bonitetnega sistema in sistema ocenjevanja tveganja.
A credit institution shall demonstrate to its competent authority that the internal validation process enables it to assess the performance of internal rating and risk estimation systems consistently and meaningfully.
Kreditne institucije redno primerjajo dejanske stopnje neplačil z ocenjenimi PD za vsaki bonitetni razred in v primerih, ko so dejanske stopnje neplačil izven pričakovanega obsega za navedeni bonitetni razred, kreditne institucije posebej analizirajo razloge za odstopanje.
Credit institutions shall regularly compare realised default rates with estimated PDs for each grade and, where realised default rates are outside the expected range for that grade, credit institutions shall specifically analyse the reasons for the deviation.
Kreditne institucije, ki uporabljajo lastne ocene LGD in/ali konverzijskih faktorjev, opravijo podobne analize za navedene ocene.
Credit institutions using own estimates of LGDs and/or conversion factors shall also perform analogous analysis for these estimates.
Pri takih primerjavah se uporabljajo pretekli podatki, ki pokrivajo čim daljše obdobje.
Such comparisons shall make use of historical data that cover as long a period as possible.
Kreditne institucije dokumentirajo metode in podatke, uporabljene v takih primerjavah.
The credit institution shall document the methods and data used in such comparisons.
Analiza in dokumentacija se posodabljata vsaj enkrat letno.
This analysis and documentation shall be updated at least annually.
Kreditne institucije uporabljajo tudi druga orodja za količinsko ovrednotenje parametrov tveganja in primerjave z ustreznimi zunanjimi viri podatkov.
Credit institutions shall also use other quantitative validation tools and comparisons with relevant external data sources.
Analiza temelji na podatkih, ki so reprezentativni za portfelj, so redno posodobljeni in obsegajo ustrezno obdobje opazovanja.
The analysis shall be based on data that are appropriate to the portfolio, are updated regularly, and cover a relevant observation period.
Notranje presoje delovanja bonitetnih sistemov kreditnih institucij temeljijo na čim daljšem obdobju.
Credit institutions' internal assessments of the performance of their rating systems shall be based on as long a period as possible.
Uporabljene metode in podatki za količinsko ovrednotenje parametrov tveganja so ves čas dosledni.
The methods and data used for quantitative validation shall be consistent through time.
Spremembe metod ocenjevanja in ovrednotenja ter podatkov (uporabljeni viri podatkov in obravnavana obdobja) se dokumentirajo.
Changes in estimation and validation methods and data (both data sources and periods covered) shall be documented.
Kreditne institucije vzpostavijo zanesljive notranje standarde za primere, ko odstopanja dejanskih stopenj neplačil, dejanskih LGD, dejanskih konverzijskih faktorjev in stopenj izgub, če se uporabljajo ocene EL, postanejo dovolj pomembna, da spodbijajo veljavnost ocen.
Credit institutions shall have sound internal standards for situations where deviations in realised PDs, LGDs, conversion factors and total losses, where EL is used, from expectations, become significant enough to call the validity of the estimates into question.
Ti standardi upoštevajo ekonomske cikle in podobne sistematične spremenljivosti pri dejanskih neplačilih.
These standards shall take account of business cycles and similar systematic variability in default experience.
Če so dejanske vrednosti še naprej višje od pričakovanih vrednosti, kreditne institucije popravijo oceno navzgor, da odrazijo dejansko stanje neplačil in izgub.
Where realised values continue to be higher than expected values, credit institutions shall revise estimates upward to reflect their default and loss experience.
IZRAČUN ZNESKOV TVEGANJU PRILAGOJENIH IZPOSTAVLJENOSTI ZA IZPOSTAVLJENOSTI IZ NASLOVA LASTNIŠKIH INSTRUMENTOV V SKLADU S PRISTOPOM NA OSNOVI NOTRANJIH MODELOV TVEGANE VREDNOSTI (VaR)
CALCULATION OF RISK WEIGHTED EXPOSURE AMOUNTS FOR EQUITY EXPOSURES UNDER THE INTERNAL MODELS APPROACH
Kapitalska zahteva in količinska opredelitev tveganja
Capital requirement and risk quantification
Kreditne institucije za namene izračunavanja kapitalskih zahtev izpolnjujejo naslednje standarde:
For the purpose of calculating capital requirements credit institutions shall meet the following standards:
ocena potencialne izgube je robustna glede na negativna gibanja na trgu, ki vplivajo na dolgoročni profil tveganja portfelja lastniških deležev kreditne institucije.
the estimate of potential loss shall be robust to adverse market movements relevant to the long-term risk profile of the credit institution's specific holdings.
Podatki, uporabljeni za prikaz porazdelitve donosa, odražajo najdaljše vzorčno obdobje opazovanja, za katerega so podatki razpoložljivi in smiselni za prikaz profila tveganja posebnih izpostavljenosti iz naslova lastniških instrumentov kreditne institucije.
The data used to represent return distributions shall reflect the longest sample period for which data is available and meaningful in representing the risk profile of the credit institution's specific equity exposures.
Uporabljeni podatki zadostujejo za izdelavo konzervativnih, statistično zanesljivih in trdnih ocen izgub, ki ne temeljijo izključno na lastni ali subjektivni presoji.
The data used shall be sufficient to provide conservative, statistically reliable and robust loss estimates that are not based purely on subjective or judgmental considerations.
Kreditne institucije dokažejo pristojnim organom, da uporabljeni šok zagotavlja konzervativno oceno potencialnih izgub v zadevnem dolgoročnem tržnem ali ekonomskem ciklusu.
Credit institutions shall demonstrate to competent authorities that the shock employed provides a conservative estimate of potential losses over a relevant long-term market or business cycle.
Kreditna institucija združuje empirične analize razpoložljivih podatkov s prilagoditvami, ki temeljijo na različnih dejavnikih, da bi dosegle dovolj realistične in konzervativne vzorčne rezultate.
The credit institution shall combine empirical analysis of available data with adjustments based on a variety of factors in order to attain model outputs that achieve appropriate realism and conservatism.
Pri izdelavi modelov tvegane vrednosti (VaR) za ocenjevanje potencialnih četrtletnih izgub lahko kreditne institucije uporabljajo četrtletne podatke ali pretvarjajo podatke iz krajših časovnih zaporedij na četrtletne protivrednosti z uporabo analitično primernih metod, podprtih z empiričnimi dokazi, in z dobro razvitim in dokumentiranim miselnim procesom in analizo.
In constructing Value at Risk (VaR) models estimating potential quarterly losses, credit institutions may use quarterly data or convert shorter horizon period data to a quarterly equivalent using an analytically appropriate method supported by empirical evidence and through a well-developed and documented thought process and analysis.
Takšen pristop se uporablja konservativno in dosledno.
Such an approach shall be applied conservatively and consistently over time.
Če so na voljo samo omejeni ustrezni podatki, kreditna institucija doda ustrezne mere konzervativnosti;
Where only limited relevant data is available the credit institution shall add appropriate margins of conservatism;
uporabljeni modeli so sposobni primerno zajeti vsa bistvena tveganja, ki jih vsebujejo donosi iz lastniških instrumentov, vključno s splošnim tržnim tveganjem in posebnimi tveganimi izpostavljenostmi portfelja lastniških instrumentov kreditne institucije.
the models used shall be able to capture adequately all of the material risks embodied in equity returns including both the general market risk and specific risk exposure of the credit institution's equity portfolio.
Notranji modeli primerno razlagajo pretekle spremembe cen, zajemajo tako razsežnost in spremembe sestave potencialnih koncentracij in so odporni na neugodna tržna okolja.
The internal models shall adequately explain historical price variation, capture both the magnitude and changes in the composition of potential concentrations, and be robust to adverse market environments.
Populacija tveganih izpostavljenosti, ki je zastopana v podatkih, uporabljenih za ocenjevanje, ustreza ali je vsaj primerljiva z izpostavljenostmi iz naslova lastniških instrumentov kreditne institucije;
The population of risk exposures represented in the data used for estimation shall be closely matched to or at least comparable with those of the credit institution's equity exposures;
notranji model je primeren za profil tveganja in zahtevnost portfelja lastniških instrumentov kreditne institucije.
the internal model shall be appropriate for the risk profile and complexity of a credit institution's equity portfolio.
Če ima kreditna institucija bistvene materialne deleže z vrednostmi, ki so po svoji naravi zelo nelinearne, se notranji modeli izdelajo tako, da primerno zajamejo tveganja, povezana s takimi instrumenti;
Where a credit institution has material holdings with values that are highly non-linear in nature the internal models shall be designed to capture appropriately the risks associated with such instruments;
vzporejanje posameznih pozicij z njej podobnimi pozicijami, tržnimi indeksi in dejavniki tveganja je utemeljeno, intuitivno in konceptualno trdno;
mapping of individual positions to proxies, market indices, and risk factors shall be plausible, intuitive, and conceptually sound;
kreditne institucije z empiričnimi analizami dokažejo primernost dejavnikov tveganja, vključno z njihovo zmožnostjo zajeti splošno in posebno tveganje;
credit institutions shall demonstrate through empirical analyses the appropriateness of risk factors, including their ability to cover both general and specific risk;
ocene nestanovitnosti donosov izpostavljenosti iz naslova lastniških instrumentov vsebujejo vse ustrezne in razpoložljive podatke, informacije in metode.
the estimates of the return volatility of equity exposures shall incorporate relevant and available data, information, and methods.
Uporabljajo se notranji podatki, ki so bili neodvisno revidirani, ali podatki iz zunanjih virov (vključno s skupnimi podatki);
Independently reviewed internal data or data from external sources (including pooled data) shall be used; and
vzpostavljen je temeljit in izčrpen program za testiranje izjemnih situacij.
a rigorous and comprehensive stress-testing programme shall be in place;
Procesi upravljanja s tveganji in kontrole
Risk management process and controls
Kreditne institucije za razvoj in uporabo notranjih modelov za namene določanja kapitalskih zahtev izoblikujejo politike, postopke in kontrole, ki bodo zagotavljali celovitost modela in procesa modeliranja.
With regard to the development and use of internal models for capital requirement purposes, credit institutions shall establish policies, procedures, and controls to ensure the integrity of the model and modelling process.
Politike, postopki in kontrole obsegajo naslednje:
These policies, procedures, and controls shall include the following:
popolno integracijo notranjega modela v celoten upravljavski informacijski sistem kreditne institucije in v upravljanje s portfeljem lastniških instrumentov, ki so postavke netrgovalne knjige.
full integration of the internal model into the overall management information systems of the credit institution and in the management of the non-trading book equity portfolio.
Interni modeli so popolnoma vpeti v strukturo upravljanja s tveganji kreditne institucije, če se posebej uporabljajo pri: merjenju in presoji delovanja portfelja lastniških instrumentov (vključno s tveganju prilagojenim delovanjem), dodelitvi ekonomskega kapitala za izpostavljenosti iz naslova lastniških instrumentov in ovrednotenju celotne kapitalske ustreznosti ter procesa upravljanja naložb;
Internal models shall be fully integrated into the credit institution's risk management infrastructure if they are particularly used inmeasuring and assessing equity portfolio performance (including the risk-adjusted performance), allocating economic capital to equity exposures and evaluating overall capital adequacy and the investment management process;
vzpostavljene sisteme upravljanja ter postopke in kontrolne funkcije za zagotovitev rednega in neodvisnega pregledovanja vseh elementov notranjega modeliranja, vključno z odobritvijo sprememb modela, izbiro vhodnih podatkov in preverjanjem rezultatov modela, kakor je neposredna verifikacija izračunov tveganja.
established management systems, procedures, and control functions for ensuring the periodic and independent review of all elements of the internal modelling process, including approval of model revisions, vetting of model inputs, and review of model results, such as direct verification of risk computations.
S preverjanji se bo presojala natančnost, popolnost in ustreznost vhodnih in izhodnih podatkov modela, pri čemer se bo potrebno osredotočiti tako na iskanje in omejevanje potencialnih napak, vezanih na znane pomanjkljivosti, kot na identifikacijo neznanih pomanjkljivosti modela.
These reviews shall assess the accuracy, completeness, and appropriateness of model inputs and results and focus on both finding and limiting potential errors associated with known weaknesses and identifying unknown model weaknesses.
Takšne preglede lahko izvaja notranja revizijska služba ali zunanja revizijska družba;
Such reviews may be conducted by an internal independent unit, or by an independent external third party;
ustrezne sisteme in postopke za spremljanje naložbenih omejitev in tveganih izpostavljenosti iz naslova lastniških instrumentov;
adequate systems and procedures for monitoring investment limits and the risk exposures of equity exposures;
enote, pristojne za oblikovanje in izvajanje modela, so funkcionalno neodvisne od enot, pristojnih za upravljanje posameznih naložb; in
the units responsible for the design and application of the model shall be functionally independent from the units responsible for managing individual investments; and
osebe, pristojne za kateri koli vidik procesa modeliranja, so ustrezno usposobljene.
parties responsible for any aspect of the modelling process shall be adequately qualified.
Vodstvo za funkcijo modeliranja nameni dovolj izkušene in sposobne kadre.
Management shall allocate sufficient skilled and competent resources to the modelling function.
Ovrednotenje in dokumentacija
Validation and documentation
Kreditne institucije vzpostavijo zanesljive sisteme za ovrednotenje natančnosti in doslednosti svojih notranjih modelov in procesov modeliranja.
Credit institutions shall have a robust system in place to validate the accuracy and consistency of their internal models and modelling processes.
Vsi bistveni elementi notranjih modelov in procesa modeliranja in ovrednotenja se dokumentirajo.
All material elements of the internal models and the modelling process and validation shall be documented.
Kreditne institucije uporabljajo proces notranjega ovrednotenja za ocenjevanje delovanja svojih notranjih modelov in procesov na dosleden in smiseln način.
Credit institutions shall use the internal validation process to assess the performance of its internal models and processes in a consistent and meaningful way.
Uporabljene metode in podatki za količinsko ovrednotenje so ves čas dosledni.
The methods and data used for quantitative validation shall be consistent through time.
Kreditne institucije redno primerjajo dejanske donose iz lastniških instrumentov (izračunane z uporabo realiziranih in nerealiziranih dobičkov in izgub) z modeliranimi ocenami.
Credit institutions shall regularly compare actual equity returns (computed using realised and unrealised gains and losses) with modelled estimates.
Kreditne institucije uporabljajo tudi druga orodja za količinsko ovrednotenje parametrov tveganja in primerjave z zunanjimi viri podatkov.
Credit institutions shall make use of other quantitative validation tools and comparisons with external data sources.
Analiza temelji na podatkih, ki so primerni za portfelj, so redno posodobljeni in obsegajo ustrezno obdobje opazovanja.
The analysis shall be based on data that are appropriate to the portfolio, are updated regularly, and cover a relevant observation period.
Notranje presoje delovanja modelov kreditnih institucij temeljijo na čim daljšem obdobju.
Credit institutions' internal assessments of the performance of their models shall be based on as long a period as possible.
Kreditne institucije vzpostavijo zanesljive notranje standarde za primere, ko primerjava dejanskih donosov iz lastniških instrumentov z ocenami modelov spodbija veljavnost ocen ali modelov kot takih.
Credit institutions shall have sound internal standards for situations where comparison of actual equity returns with the models estimates calls the validity of the estimates or of the models as such into question.
Ti standardi upoštevajo ekonomske cikle in podobne sistematične spremenljivosti pri donosih iz lastniških instrumentov.
These standards shall take account of business cycles and similar systematic variability in equity returns.
Vse spremembe notranjih modelov, ki so posledica pregledov modelov, se dokumentirajo in so skladne s standardi kreditnih institucij za pregled modelov.
All adjustments made to internal models in response to model reviews shall be documented and consistent with the credit institution's model review standards.
Notranji model in proces modeliranja se dokumentirata, vključno z odgovornostmi strank, ki sodelujejo pri modeliranju, ter odobritvijo in procesi pregleda modela.
The internal model and the modelling process shall be documented, including the responsibilities of parties involved in the modelling, and the model approval and model review processes.
UPRAVLJANJE IN NADZOR
CORPORATE GOVERNANCE AND OVERSIGHT
Upravna iz člena 11 kreditne institucije ali drug organ, ki ga imenuje kreditna institucija in višje vodstvo, potrdi vse bistvene vidike bonitetnega procesa in procesa ocenjevanja.
All material aspects of the rating and estimation processes shall be approved by the credit institution's management body described in Article 11 or a designated committee thereof and senior management.
Te stranke razpolagajo s splošnim znanjem o delovanju bonitetnega sistema kreditne institucije ter podrobnim razumevanjem izdelanih poročil o tem procesu.
These parties shall possess a general understanding of the credit institution's rating systems and detailed comprehension of its associated management reports.
Višje vodstvo obvešča upravo ali drug organ, iz člena 11 o vsaki spremembi ali odstopanju od uveljavljene prakse, ki bo bistveno vplivala na delovanje bonitetnega sistema kreditne institucije.
Senior management shall provide notice to the management body described in Article 11 or a designated committee thereof of material changes or exceptions from established policies that will materially impact the operations of the credit institution's rating systems.
Višje vodstvo razume zgradbo in delovanjem bonitetnega sistema.
Senior management shall have a good understanding of the rating systems designs and operations.
Višje vodstvo redno zagotavlja pravilno delovanje bonitetnih sistemov.
Senior management shall ensure, on an ongoing basis that the rating systems are operating properly.