natgillin/translations-raw huggingface dataset:
ugotavlja, da je čezmejno povezovanje maloprodajnih finančnih trgov EU manj razvito kot na veleprodajnem področju; ugotavlja, da potrošniki še vedno bolj uporabljajo fizično prisotne ustanove kot virtualne ustanove in ugotavlja tudi pretežno domače usmerjeno finančno strukturo; opozarja pred preprostim spreminjanjem nacionalnih tradicij varstva potrošnikov in pravnih sistemov z usklajevanjem, ki bi ustrezalo vsem; meni, da se nacionalnih tradicij varstva potrošnikov ne more tolmačiti tako, da bi bili novi konkurenti ovirani na domačem trgu; poudarja potrebo po dobro delujočem notranjem trgu za finančne storitve; ugotavlja pomen posrednikov, ki vnašajo konkurenco v domače trge držav članic; poudarja koristi odprtih in pluralističnih struktur evropskega bančnega trga, da bi izpolnili različne in nastajajoče potrebe potrošnikov;
notes that cross-border integration of EU retail financial markets is less developed than in the wholesale area; notes that consumers still use physically present institutions more than virtual ones, and notes a predominantly domestic-oriented financing structure; warns, however, against simply overhauling the national consumer protection traditions and legal systems by one-size-fits-all harmonisation; takes the view that national consumer protection traditions must not be interpreted in such a way that new competitors are hindered on the domestic market; emphasises the need for a well-functioning internal market for financial services; notes the importance of intermediaries in bringing competition to Member States' domestic markets; stresses the benefits of open and pluralistic structures in the European banking market in meeting the different and evolving needs of consumers;
zagovarja bolj usmerjen pristop k dejanskim oviram, ki vplivajo na mobilne čezmejne uporabnike; spodbuja razvoj poskusnih vseevropskih finančnih produktov, kot so pokojnine, hipoteke, zavarovanja ali potrošniški krediti ter poziva Komisijo, naj prevzame pripravo ustreznega okvira ureditve in nadzora v smislu pogodbenega prava, obdavčenja, potrošniških kreditov in varstva potrošnikov, tako da bodo ti produkti prenosljivi in vzajemno priznani v Evropski uniji, z namenom spodbujanja ugodnih pogojev za čezmejno mobilnost delovne sile in povezanega enotnega trga;
prefers a more focused approach directed at the de facto barriers which impact on mobile cross-border users; encourages the financial industry to develop pilot pan-European financial products such as pensions, mortgages, insurance products or consumer credit, and invites the Commission to undertake the preparation of an appropriate and feasible framework of regulation and supervision, in terms of contractual law, consumer credit and consumer protection so that such products are portable and mutually recognised within the European Union, in order to foster favourable conditions for cross-border labour mobility in an integrated single market;
poudarja potrebo po primerjavi enakih tveganj, profilov in poslovnih strategij z enako varnostjo na skupnem evropskem trgu finančnih produktov ter temu primerno vodenje kapitalskih zahtev; meni, da je treba za ustvarjanje preglednosti in varstvo potrošnikov državam članicam preprečiti njihovo udeležbo v konkurenci, ki temelji na najmanjšem nadzoru in najnižjih varnostnih standardih;
Points to the need for the same risks, profile and business strategies to be matched by the same security in a common European market in financial products and for capital requirements to be couched accordingly; maintains that, for the purposes of transparency and protection of consumers, Member States must be prevented from engaging in competition based on the lowest supervision and security standards;
deli zaskrbljenost, ki je izražena v točki 1.2.3. dopolnilnega dokumenta, ki je priložen Zeleni knjigi Komisije o krepitvi evropskega okvira za investicijske sklade ( SEK(2005)0947 ) glede pojava jamstvenih skladov v nekaterih državah članicah, ki jih ne podpirajo ustrezne kapitalske zahteve, ob upoštevanju nezadostnega varstva potrošnikov na tem področju; poziva zato Komisijo, naj za učinkovito varstvo potrošnikov zapre regulativno vrzel z določitvijo ustreznih kapitalskih zahtev za jamstvene sklade, ob upoštevanju načela, da morajo biti zahteve nadzora enako stroge s kvalitativnega vidika v smislu standardov obvladovanja tveganja, kot tudi kvantitativnega glede kapitalskih zahtev ("enako tveganje, enak kapital");
Shares the concern expressed in point 1.2.3 of the Background Paper annexed to the Commission Green Paper on enhancement of the European framework for investment funds ( SEC(2005)0947 ), regarding the emergence in some Member States of guaranteed funds not backed by capital adequacy requirements, given that consumer protection in this area is insufficient; calls on the Commission, therefore, with a view to protecting consumers effectively, to close the European regulatory gap by laying down appropriate capital adequacy requirements for guaranteed funds, observing the principle that supervision requirements must be equally stringent both from a qualitative point of view, in terms of risk management standards, and quantitatively, as regards capital requirements ("same risk, same capital");
upošteval je sektorsko raziskavo o sistemih majhnih bančnih poslov in plačilnih kartic, ki kaže potrebo po izboljšanju na večih področjih; pozdravlja pričakovano Direktivo o plačilnih storitvah, ki naj bi prinesla boljše predpogoje za konkurenco na teh področjih; vendar opozarja, da odpiranje nepopolnih sedanjih sistemov ne sme povzročiti razmer, v katerih bi lahko visoka stopnja konsolidacije na trgu ustvarila nove tržne nepopolnosti in pritiske na cene, škodila splošni strukturi finančnega sistema evropskega gospodarstva, kakovosti lokalnih storitev ter priložnosti MSP, da bi pridobila financiranje, ki bi ustrezalo njihovim potrebam; upošteval je potrebo po odprtem dostopu do kreditnih registrov in plačilnih sistemov ter zahteva dodatno pojasnilo o naslednjih konkretnih korakih, ki bodo storjeni v ta namen;
has taken due note of the sector inquiry into retail banking and payment cards systems that reveals several areas in need of improvement; welcomes the prospective Payment Services Directive, which is expected to bring about better preconditions for competition in these fields; warns, however, that opening up existing imperfect systems should not lead to a situation in which a high level of market consolidation could create new imperfections and price constraints, damaging the overall structure of the European economy's financing system, the quality of local services, and the opportunities for SMEs to obtain financing suited to their needs; has taken note of the need to open access to credit registers and payment systems and asks for further clarification on the next concrete steps to be taken in this respect;
želi pozdraviti vzpostavitev lastnega sistema EU glede bančnih kartic, v katerem bi se upoštevalo tudi sedanje stanje na področju sistema SWIFT;
Would welcome the emergence, not least in the light of the current position regarding SWIFT, of the EU's own banking card system;
zaskrbljen je, ker je izbira potrošnikov pogosto omejena na maloprodajne produkte finančnih skupin, ki delujejo na domačem ozemlju; poudarja pomen ločevanja posameznih storitev, ki se zagotavljajo potrošnikom, in zahteva razkritje stroškov vrednostne verige za stranke, z namenom uvedbe večje preglednosti in zagotavljanja enakih pogojev konkurence;
Is concerned that the consumer's choice is often limited to retail products of the financial groups operating domestically; stresses the importance of the unbundling of different services provided to consumers and calls for disclosure of value chain costs to the clients in order to introduce more transparency and ensure a level playing field for competition;
poziva Komisijo, naj ponovno poda pobudo z namenom zagotoviti evropski statut za vzajemne družbe, kot je zahtevano v resoluciji Parlamenta z dne 16. maja 2006 o izidu pregleda zakonodajnih predlogov, ki se bodo obravnavali pred zakonodajalcem UL C 297 E, 7.12.2006, str.
Urges the Commission to reactivate the initiative aimed at providing mutual societies with a European statute, as called for in Parliament's resolution of 16 May 2006 on the outcome of the screening of legislative proposals pending before the Legislator OJ C 297 E, 7.12.2006, p.
potrjuje izziv staranja prebivalstva; poudarja pomen skupne poklicne pokojnine iz drugega stebra poleg ustreznega sistema pokojninskega zavarovanja iz prvega stebra, ki temelji na solidarnosti, ter potrjuje Direktivo 2003/41/ES Evropskega parlamenta in Sveta z dne 3. junija 2003 o dejavnostih in nadzoru institucij za poklicno pokojninsko zavarovanje UL L 235, 23.9.2003, str.
acknowledges the challenge of ageing populations; emphasises the importance of collective second pillar occupational pensions in addition to proper solidarity-based first-pillar pension schemes, and endorses Directive 2003/41/EC of the European Parliament and of the Council of 3 June 2003 on the activities and supervision of institutions for occupational retirement provision OJ L 235, 23.9.2003, p.
kot poseben regulativni okvir za pokojninske sklade; poziva Komisijo in naj preuči možnosti v okviru boljše zakonodaje, da bi v Evropski uniji spodbudili približevanje pri nadzoru in preprečevati neenako obravnavo tržnih akterjev in izkrivljanje konkurence, dopolniti to navedeno direktivo z usklajenim solventnim okvirom za pokojninske sklade v skladu s pristopom Solventnost II, da se omogoči obvladovanje tveganja ter zavirati regulatorno arbitražo z vzpostavljanjem enakih zahtev nadzora iz kvalitativnega vidika v smislu standardov obvladovanja tveganja, kot tudi kvantitativnega glede kapitalskih zahtev ("enako tveganje, enak kapital"), ob upoštevanju posebnih značilnosti pokojninskega zavarovanja; poudarja, da mora tak zakonodajni okvir podpreti uskladitev obdavčenja, zlasti s poudarkom na davčni osnovi;
as the specific regulatory framework for pension funds; urges the Commission to explore the possibility, within the framework of better regulation, and in order to promote supervisory convergence across the European Union and to prevent unequal treatment of market players and distortions of competition, of supplementing that Directive with a harmonised solvency framework for pension funds in line with the Solvency II approach, in order to provide for advanced risk management techniques as well as disincentives for regulatory arbitrage by establishing equal supervision requirements both from a qualitative point of view, in terms of risk management standards, and quantitatively, as regards capital requirements ("same risk, same capital"), taking into account the specific features of occupational retirement provision; reiterates that such a legislative framework must be supported by the coordination of taxation, especially concentrating on the tax base;
ugotavlja, da je preveč državljanov EU, ki nimajo dostopa do osnovnih finančnih storitev; ugotavlja, da bi morale biti dobro delujoče finančne storitve na voljo in dosegljive vsem državljanom; poziva Komisijo, da izvede študijo o dostopnosti storitev, kot so bančni računi, bankomati, plačilne kartice in posojila z nizkimi obrestmi; spodbujati je treba najboljšo prakso in izkušnje, ki so jih pridobile finančne institucije za zagotavljanje osnovnih storitev;
notes that too many EU citizens are excluded from basic financial services; concludes that well-functioning basic financial services should remain available and affordable to every EU citizen; asks the Commission to conduct a study on the accessibility of services such as bank accounts, cash machines, payment cards, and low-cost loans, and to promote best practices and experiences developed by financial institutions in providing such basic services;
podpira ugotovitve raziskave o sistemih majhnih bančnih poslov, da ima izmenjava podatkov o posojilih pozitiven gospodarski učinek, povečuje konkurenčnost ter koristi novim udeležencem na trgu, zmanjšuje nesorazmernost informacij med banko in potrošnikom, deluje kot orodje discipline za posojilojemalca, zmanjšuje težave negativne selekcije in pospešuje mobilnost strank; meni, da lahko zagotavljanje dostopa do ugodnih in neugodnih podatkov o posojilih igra ključno vlogo pomoči potrošnikom pri doseganju dostopa do posojila in v boju proti finančni izključenosti;
Supports the findings of the sector inquiry into retail banking that credit data sharing tends to have positive economic effects, increasing competition and benefiting new market entrants, by reducing the information asymmetry between the bank and the customer, acting as a borrower disciplining device, reducing the problems of adverse selection and promoting customer mobility; considers that granting access to both positive and negative credit data can play a key role in helping consumers obtain access to credit and fight financial exclusion;
opozarja na povečevanje števila ponudnikov posebnih finančnih storitev za skupine migrantov, ki prenašajo nakazila in razvijajo bančni sistem, vključno z islamskim bančništvom; opozarja, da morajo biti zahteve za te nove akterje na področju tržne niše trdne, vendar take, da se prepreči pojav sivega območja, v katerem pregled nad delovanjem ni mogoč; poziva Evropsko unijo, zlasti pri njenih odnosih z matičnimi državami delavcev migrantov, naj sodeluje z ustreznimi lokalnimi gospodarskimi in monetarnimi organi;
Signals the growth of specific financial service providers for migrant groups, which transfer remittances and develop the banking system, including Islamic banking; warns that requirements for those new niche players should be solid but also such as to prevent them from disappearing into a grey zone, where no supervision at all is possible; calls on the European Union, especially when pursuing its relations with home countries of migrant workers, to cooperate with the appropriate local economic and monetary authorities;
pozdravlja veliko pozornost, namenjeno zagotavljanju mikroposojil, ki prispevajo k samozaposlovanju in nastanku novih podjetij, na primer dejavnost generalnega direktorata Komisije za regionalno politiko in program JEREMIE Skupine Evropske investicijske banke; poziva k spremembi pravil kapitalskega sporazuma Basel II za namene portfelja mikroposojil in za zmanjšanje stroškov za mala posojila, ki so pogosto čezmerna; poziva Komisijo, ki dela v sodelovanju s posameznimi generalnimi direktorati, pristojnimi za ta sektor, naj pripravi akcijski načrt za mikrofinanciranje, usklajuje posamezne ukrepe politike ter najbolje uporabi najboljšo prakso znotraj in zunaj Evropske unije;
Welcomes the increasing attention to microcredit provision as a contribution to self-employment and start-ups, e.g. in the activities of the Commission Directorate General for Regional Policy and the JEREMIE programme of the European Investment Bank Group; asks that the Basel rules be adapted for the purposes of microcredit portfolios and capping the often excessive costs on small loans; urges the Commission, working in collaboration with its various Directorates-General responsible for this sector, to draw up an action plan for microfinancing, to coordinate the different policy measures, and to make optimal use of best practices in and outside the European Union;
Finančna pismenost in prispevek uporabnikov k oblikovanju politike
Financial literacy and users' input in policymaking
meni, da je za oblikovanje Evropskega integriranega finančnega trga potrebno več kot le ponujanje večje izbire potrošnikom; poudarja, da bi se moralo dejavneje spodbujati finančno pismenost kot doslej ter da je pomemben dostop do ustreznih informacij ter nepristranskega naložbenega svetovanja; meni, da bi načela, kot je zagotavljanje najboljše izvedbe in opravljanje preskusov primernosti ob zagotavljanju investicijskih storitev, morala biti osnova ureditve za izvajalce storitev na tem področju;
believes that more is involved in the creation of a European integrated financial market than just providing consumers with more choice; emphasises that financial literacy should be more actively promoted than hitherto, and that access to proper information and unbiased investment advice is essential; takes the view that principles such as ensuring best execution and carrying out suitability tests when providing investment services should form the basis for regulation of service providers in this field;
izrecno podpira pobude Komisije za izboljšanje finančnih zmožnosti ter poziva Komisijo in države članice, da bolj prispevajo k oblikovanju posebnih programov in spletnih strani, v katera bi morala biti prav tako vključena zadevna podjetja ter tudi, da jih vključijo v osnovnošolsko izobraževanje;
Strongly supports the Commission's initiatives to upgrade financial capability and invites the Commission and the Member States to increase their efforts to create specific programmes and websites, in which the firms concerned should likewise be involved, but also urges them to make it an integral part of basic school education;
pozdravlja ustanovitev Skupine potrošnikov finančnih storitev ter prizadevanje za vključitev predstavnikov uporabnikov v strokovne skupine in posvetovanja; vendar ugotavlja, da vloga potrošnikov in končnih uporabnikov, kot so mala in srednje velika podjetja (MSP), kljub vsemu zelo zaostaja za finančno industrijo; priporoča uvedbo evropske proračunske vrstice za financiranje strokovnega znanja in izkušenj organizacij potrošnikov ter MSP v zvezi s finančnim trgom, da se spodbudijo postopki posvetovanja iz FSAP;
welcomes the establishment of the Financial Services Consumer Group and the attempts to involve user representatives in expert groups and consultations; notes, nevertheless, that the voice of consumers and end users such as small and medium-sized enterprises (SMEs) lags far behind that of the financial industry; recommends the creation of a European budget line to finance financial market expertise in consumer and SME organisations in order to feed into the FSAP consultation processes;
v celoti se zavzema za uresničitev ciljev boljše zakonodaje, ki bo temeljila na ugotovitvah natančnih, neodvisnih in strokovno vodenih ocen vpliva, ter poudarja, da takšne ocene in politične odločitve, ki temeljijo na njih, ne smejo biti omejene le na finančna vprašanja, ampak bi morale ustrezno upoštevati gospodarske, socialne, družbene, okoljske, kulturne in druge vidike javnega pomena;
is fully committed to the aims of better regulation based on the findings of careful, independent and professionally conducted impact assessments, and emphasises that such assessments, as well as the policy decisions based on them, should not be made solely on the basis of financial considerations but should duly take into account economic, social, societal, environmental, cultural and other aspects of public interest;
ugotavlja, da ena prednostnih nalog boljše zakonodaje zadeva pravni vidik, in sicer izvajanje, uveljavljanje in neprestano ocenjevanje obstoječe zakonodaje ter dosledno uporabo načela boljše zakonodaje v vseh prihodnjih pobudah;
Notes that one of the priorities of better regulation concerns the legal aspect, namely to implement, enforce and continuously evaluate the existing legislation, and to apply rigorously the better regulation agenda to future initiatives;
meni, da bi morala posvetovanja zadevnih strani še naprej igrati pomembno vlogo, in poudarja, da bi morala biti taka posvetovanja organizirana tako, da bi se jih lahko učinkovito upoštevalo v postopkih odločanja; zahteva od Komisije, naj še naprej objavlja odgovore na posvetovanja in tako zagotovi preglednost postopka;
Takes the view that consultations with stakeholders should continue to play a key role, and stresses that such consultations should be held sufficiently upstream of the decision-making process so that opinions can genuinely be taken into account; calls on the Commission to continue to publish the replies to its consultations in order to ensure that the process is transparent;
ugotavlja, da bi morali vsi novi predlogi Komisije v skladu z dogovorom o "boljši pripravi zakonodaje" zahtevati presojo vplivov na pomembna vprašanja; obžaluje, da se te prakse do sedaj ni zadovoljivo izvajalo, in poudarja, da presoja vplivov kljub temu ne bi smela zaustaviti priprave zakonodaje; ponovno potrjuje zavezo Parlamenta k boljši zakonodaji in k izvedbi ocene vpliva pri vsebinskem spreminjanju zakonodajnih predlogov;
Notes that under the agreement on better law-making, any new Commission proposal should give rise to an impact assessment on the important issues; regrets that, up to now, this commitment has not been fulfilled in a satisfactory manner and stresses that impact assessments should nevertheless not bring law-making to a standstill; reaffirms Parliament's commitment to better regulation and to conducting impact assessments when making substantive changes to legislative proposals;
opozarja, da izbira primernega instrumenta, na primer direktive ali uredbe, ni nepristranska; zahteva, da se prične razpravo na osnovi dela IIMG o merilih za zagotavljanje smernic in doslednosti;
Points out that the choice of appropriate instrument, i.e. a directive or regulation, is not neutral; calls for a debate to be launched on the basis of the work of the IIMG on criteria to provide guidance and consistency;
pozdravlja nedavni sporazum o komitologiji in se zavzema za prilagoditev zadevnih instrumentov na področju finančnih storitev; priporoča, da se podobno spremenijo tudi instrumenti, sprejeti pred postopkom Lamfalussy; vztraja, da bi bilo treba Parlamentu omogočiti zaposlitev opazovalcev v odborih na drugi stopnji; ugotavlja, da je dobro uveljavljene delovne metode namesto s pisanimi pravili ali formalnimi sporazumi treba graditi s prakso ter da bi v tem oziru lahko služila kot koristen zgled priprava izvedbenih ukrepov na drugi stopnji za MiFID;
welcomes the recent comitology agreement and is committed to the adaptation of the involved instruments in the financial services field; recommends similarly modifying the pre-Lamfalussy instruments; insists that Parliament should be allowed observers in the Level 2 committees; notes the need to build well-established interinstitutional working methods through practice more than through written rules or formal agreements and that, in this respect, the elaboration of Level 2 implementing measures for MiFID could serve as a useful example;
zavzema se po možnosti za hitre zakonodajne postopke, če so se izkazali za uspešne v praksi, vendar opozarja, da sprejetje sporazumov na prvi obravnavi ne sme zmanjšati kakovosti sprejemanja odločitev ali negativno vplivati na demokratični proces; predlaga oceno teh postopkov in pripravo postopkovnih pravil, da se zagotovita kolektivna odgovornost, preglednost in demokratičen nadzor;
Is committed to fast-track legislative procedures where possible, if they have proved their worth in practice, but warns that aiming for first reading agreements should not hamper the quality of decision-making or impinge on the democratic process; suggests an evaluation of these processes and an elaboration of rules of procedure to guarantee collective responsibility, transparency and democratic control;
meni, da imajo raznolikost zahtev po obveščanju, ki podvaja rezultate obstoječih določb z nepotrebnimi stroški in preveliko upravno obremenitvijo, lahko tudi negativne posledice v smislu pravne gotovosti in s tem celovitosti trga; poudarja, da se dosega dodatne koristi z racionalizacijo, poenostavitvijo in po potrebi z razveljavitvijo obstoječih neučinkovitih določb;
Considers that a variety of reporting requirements that duplicate existing provisions results in unnecessary costs and an excessive administrative burden and may also have adverse consequences in terms of legal certainty and, therefore, market integrity; stresses that there is a case for obtaining further benefits by streamlining, simplifying and, when necessary, repealing inefficient existing provisions;