natgillin/translations-raw huggingface dataset:
ob upoštevanju mnenja Odbora regij UL C, str. .
Having regard to the opinion of the Committee of the Regions OJ C , , p. .
Že dolgo pred nastopom finančne krize je Parlament redno pozival h krepitvi resnično enakih pogojev za vse udeležence na ravni Unije in obenem opozarjal na pomembne pomanjkljivosti pri evropskem nadzoru nad vedno bolj integriranimi finančnimi trgi (v svojih resolucijah z dne 13. aprila 2000 o sporočilu Komisije o izvajanju okvira za finančne trge: akcijski načrt
Long before the financial crisis the European Parliament was already calling regularly for the reinforcement of a true level playing field for all actors at Union level while pointing out significant failures in the Union's supervision of ever more integrated financial markets (in its resolutions of 13 April 2000 on the Commission communication on implementing the framework for financial markets: Action Plan
, z dne 11. julija 2007 o politiki finančnih storitev (2005–2010) – Bela knjiga
, of 11 July 2007 on financial services policy (2005-2010) - White Paper
, z dne 9. oktobra 2008 s priporočili Komisiji o nadaljevanju Lamfalussyjevega procesa: prihodnja struktura nadzora
and of 9 October 2008 with recommendations to the Commission on Lamfalussy follow-up: future structure of supervision
, z dne 22. aprila 2009 o predlogu Direktive Evropskega parlamenta in Sveta o začetku opravljanja in opravljanju dejavnosti zavarovanja in pozavarovanja (Solventnost II)
, and in its positions of 22 April 2009 on the amended proposal for a directive of the European Parliament and of the Council on the taking-up and pursuit of the business of Insurance and Reinsurance (Solvency II)
ter z dne 23. aprila 2009 o predlogu Uredbe Evropskega parlamenta in Sveta o bonitetnih agencijah
and of 23 April 2009 on the proposal for a regulation of the European Parliament and of the Council on Credit Rating Agencies
, so ugotovili, da je treba okrepiti nadzorni okvir za zmanjšanje tveganja in resnosti prihodnjih finančnih kriz.
, requested by the Commission, concluded that the supervisory framework needed to be strengthened to reduce the risk and severity of future financial crises.
Poročilo je vključevalo priporočila za reforme strukture nadzora nad finančnim sektorjem v
It recommended reforms to the structure of supervision of the financial sector in the
Sistem mora biti usmerjen k izboljšanju kakovosti in usklajenosti nacionalnega nadzora, krepitvi nadzora nad čezmejnimi skupinami ter pripravi enotnega evropskega pravilnika, ki se uporablja za vse finančne institucije na enotnem trgu.
The system should be aimed at upgrading the quality and consistency of national supervision, strengthening oversight of cross border groups and establishing a European single rule book applicable to all financial institutions in the Single Market.
V poročilu Mednarodnega denarnega sklada z dne 16. aprila 2010 z naslovom „Pravičen in tehten prispevek finančnega sektorja“, ki je bilo pripravljeno na zahtevo vrhunskega srečanja G-20 v Pittsburghu, se navaja, da „strošek neuspehov finančnega sektorja bi moral biti zajet v prispevku za finančno stabilnost in tudi krit iz tega prispevka, ki je povezan s kredibilnim in učinkovitim reševalnim mehanizmom.
The International Monetary Fund (IMF) report of 16 April 2010 entitled ‘A Fair and Substantial Contribution by the Financial Sector’, written at the request of the G-20 Pittsburgh summit, stated that ‘the cost of financial sector failures should be contained and covered by a Financial Stability Contribution (FSC) linked to a credible and effective resolution mechanism.
V sporočilu Komisije z dne 3. marca 2010 z naslovom Evropa 2020 je navedeno tudi, da je kratkoročna bistvena prednostna naloga boljše preprečevanje finančnih kriz in po potrebi boljše ukrepanje v primeru takšne krize, in ki bo glede na posebne odgovornosti finančnega sektorja v sedanji krizi vključila tudi ustrezen prispevek finančnega sektorja.
The Commission Communication of 3 March 2010 entitled ‘Europe 2020’ also declared that a crucial priority in the short term would be to set ‘to better prevent and if needed manage possible financial crises, and that -- taking into account the specific responsibility of the financial sector in the current crisis -- will look also into adequate contributions from the financial sector’.
Evropski svet je 25. marca 2010 jasno sporočil, da je „napredek potreben zlasti v zvezi z vprašanji, kot so sistemske institucije, finančni instrumenti za krizno upravljanje“.
The European Council stated clearly on 25 March 2010 that ‘progress is particularly needed on issues such as systemic institutions financing instruments for crisis management’.
Ta organ bi moral nameniti posebno pozornost finančnim institucijam, ki lahko predstavljajo sistemsko tveganje, ker bi njihov propad lahko ogrozil stabilnost finančnega sistema Unije, če nacionalni organ ni bil uspešen pri izvajanju svojih pooblastil.
The Authority should pay special attention to financial institutions that may pose a systemic risk since their failure could jeopardise the stability of the Union financial system, where a national authority has failed to exercise its powers.
Doseči je treba tudi večjo usklajenost in skladno uporabo pravil za finančne institucije in trge po vsej
Greater harmonisation and the coherent application of rules for financial institutions and markets across the
(vrednostni papirji in trgi)
and a European
(skupni odbor)
(Securities and Markets) as well as a
Odbor evropskih bančnih nadzornikov, ustanovljen s sklepom Komisije 2009/78/ES UL L 25, 29.1.2009, str.23.
should replace the Committee of European Banking Supervisors established by Commission Decision 2009/78/EC OJ L 25, 29.1.2009, p.
Kadar to zahtevajo institucionalni razlogi in pristojnosti, določene v Pogodbi
Where institutional reasons and the responsibilities assigned in the Treaty
o delovanju Evropske unije (PDEU)
on the Functioning of the European Union (TFEU)
, je treba v mrežo nadzornih dejavnosti vključiti tudi Komisijo.
so require, the Commission should also be part of the network of supervisory activities.
in različne narave finančnih institucij.
and the different nature of financial institutions.
deponentov in vlagateljev
depositors and investors.
Njegove naloge bi morale vključevati tudi spodbujanje konvergence nadzora, svetovanje institucijam EU na področju regulacije in nadzora bančništva, plačil in elektronskega denarja ter s tem povezanih vprašanj upravljanja podjetij, revizij in finančnega poročanja.
Its tasks should also include promoting supervisory convergence and providing advice to the EU institutions in the areas of banking, payments, e-money regulation and supervision, and related corporate governance, auditing and financial reporting issues.
Mednarodni organi (Mednarodni denarni sklad, Odbor za finančno stabilnost in Banka za mednarodne poravnave) so sistemsko tveganje opredelili kot „tveganje za prekinitev finančnih storitev, ki jo (i) povzroči oslabitev celotnega finančnega sistema ali njegovih delov in ki (ii) lahko ima resne negativne posledice za realno gospodarstvo.
Systemic risk is defined by international authorities (the IMF, the Financial Stability Board (FSB) and the Bank for International Settlements (BIS)) as ‘a risk of disruption to financial services that is (i) caused by an impairment of all or parts of the financial system and (ii) has the potential to have serious negative consequences for the real economy.
Vse vrste finančnih posrednikov, trgov in infrastrukture so lahko do določene mere sistemsko pomembne“.
All types of financial intermediaries, markets and infrastructure can potentially be systematically important to some degree’.
Lahko se namreč izkaže, da je, po presoji tega zakonodajalca, nujno ustanoviti organ Skupnosti, katerega naloga je prispevati k uresničitvi postopka usklajevanja v položajih, v katerih se kot primerno kaže sprejetje neobvezujočih spremljevalnih in okvirnih ukrepov zaradi olajševanja enotnega izvajanja in uporabe predpisov, ki temeljijo na tej določbi.“
The legislature may deem it necessary to provide for the establishment of a Community body responsible for contributing to the implementation of a process of harmonization in situations where, in order to facilitate the uniform implementation and application of acts based on that provision, the adoption of non-binding supporting and framework measures seems appropriate’.
Cilj in naloge organa, tj. pomagati pristojnim nacionalnim nadzornim organom pri dosledni razlagi in uporabi pravil
The purpose and tasks of the Authority – assisting competent national supervisory authorities in the consistent interpretation and application of
ter prispevati k finančni stabilnosti, potrebni za finančno integracijo, so tesno povezani s cilji pravnega reda
rules and contributing to financial stability necessary for financial integration – are closely linked to the objectives of the
Pravni dokumenti, v katerih so določene naloge pristojnih organov držav članic, vključno z njihovim medsebojnim sodelovanjem in sodelovanjem s Komisijo, so: Direktiva 2006/48/ES Evropskega parlamenta in Sveta z dne 14. junija 2006 o začetku opravljanja in opravljanju dejavnosti kreditnih institucij UL L 177, 30.6.2006, str.
The legal acts which lay down the tasks for competent authorities of Member States, including cooperating with each other and with the Commission, are the following: Directive 2006/48/EC of the European Parliament and of the Council of 14 June 2006 relating to the taking up and pursuit of the business of credit institutions OJ L 177, 30.6.2006, p.
, Direktiva 2006/49/ES Evropskega parlamenta in Sveta z dne 14. junija 2006 o kapitalski ustreznosti investicijskih podjetij in kreditnih institucij UL L 177, 30.6.2006, str.
, Directive 2006/49/EC of the European Parliament and of the Council of 14 June 2006 on the capital adequacy of investment firms and credit institutions OJ L 177, 30.6.2006, p.
in Direktiva 94/19/ES Evropskega parlamenta in Sveta z dne 30. maja 1994 o sistemih zajamčenih vlog UL L 135, 31.5.1994, str.
and Directive 94/19/EC of the European Parliament and of the Council of 30 May 1994 on deposit-guarantee schemes OJ L 135, 31.5.1994, p.
, ki ureja področje, zajeto v tej uredbi, vključuje tudi Direktivo 2002/87/ES Evropskega parlamenta in Sveta z dne 16. decembra 2002 o dopolnilnem nadzoru kreditnih institucij, zavarovalnic in investicijskih družb v finančnem konglomeratu UL L 35, 11.2.2003, str.
legislation regulating the field covered by this Regulation also includes Directive 2002/87/EC of the European Parliament and of the Council of 16 December 2002 on the supplementary supervision of credit institutions, insurance undertakings and investment firms in a financial conglomerate OJ L 35, 11.2.2003, p.
Uredbo (ES) št. 1781/2006 Evropskega parlamenta in Sveta z dne 15. novembra 2006 o podatkih o plačniku, ki spremljajo prenose denarnih sredstev
Regulation (EC) No 1781/2006 of the European Parliament and of the Council of 15 November 2006 on information on the payer accompanying transfers of funds
UL L 345, 8.12.2006, str.
OJ L 345, 8.12.2006, p.
, Direktivo 2009/110/ES Evropskega parlamenta in Sveta z dne 16. septembra 2009 o začetku opravljanja in opravljanju dejavnosti ter nadzoru skrbnega in varnega poslovanja institucij za izdajo elektronskega denarja
, Directive 2009/110/EC of the European Parliament and of the Council of 16 September 2009 on the taking up, pursuit and prudential supervision of the business of electronic money institutions
UL L 267, 10.10.2009, str.
OJ L 267, 10.10.2009, p.
ter ustrezne dele Direktive
and, in relevant parts,
Evropskega parlamenta in Sveta 2005/60/ES z dne 26. oktobra 2005 o preprečevanju uporabe finančnega sistema za pranje denarja in financiranje terorizma UL L 309, 25.11.2005, str.
Directive 2005/60/EC of the European Parliament and of the Council of 26 October 2005 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.
in Direktive 2007/64/ES Evropskega parlamenta in Sveta z dne 13. novembra 2007 o plačilnih storitvah na notranjem trgu
and Directive 2007/64/EC of the European Parliament and of the Council of 13 November 2007 on payment services in the internal market
UL L 319, 5.12.2007, str.
OJ L 319, 5.12.2007, p.
Zaželeno je, da organ spodbuja usklajen pristop na področju zajamčenih vlog za zagotovitev enakih konkurenčnih pogojev in enakovredne obravnave deponentov po vsej
It is desirable that the Authority promote a consistent approach in the area of deposit guarantees to ensure a level playing field and the equitable treatment of depositors across the
tehničnih standardov na področju finančnih storitev, da se zagotovijo, tudi prek enotnega pravilnika, enaki konkurenčni pogoji ter ustrezna zaščita deponentov, vlagateljev in potrošnikov po
technical standards in financial services to ensure, also through a single rulebook, a level playing field and an adequate protection of depositors, investors and consumers across
vsej Uniji
the Union
Osnutke regulativnih tehničnih standardov bi morali spreminjati le v zelo omejenem obsegu in v izjemnih okoliščinah ter pod pogojem, da je organ v tesnem stiku s finančnimi trgi in je seznanjen z njihovim vsakodnevnim delom.
Draft regulatory technical standards should be subject to amendment only in very restricted and extraordinary circumstances, provided that the Authority is the one in close contact with and acknowledging the daily work of financial markets.
Spremeniti bi jih bilo treba, če na primer ne bi bili združljivi s pravom Unije, ne bi upoštevali načela sorazmernosti ali bi pomenili kršitev temeljnih načel notranjega trga za finančne storitve, kot so odraženi v pravnem redu Unije za področje finančnih storitev.
They would be subject to amendment if, for example, the draft regulatory standards were incompatible with Union Law, would not respect the principle of proportionality or would run counter to the fundamental principles of the internal market for financial services as reflected in the acquis of Union financial services legislation.
Komisiji je treba tudi dodeliti pristojnosti za izvajanje pravno zavezujočih aktov Unije, kot določa člen 291 PDEU.
The Commission should also be empowered to implement legally binding Union acts as stated in Article 291 TFEU.
tehničnih standardih, pooblastila za izdajanje nezavezujočih smernic in priporočil o uporabi zakonodaje
technical standards, the Authority should have the power to issue guidelines and recommendations on the application of
učinkovitost in pravilno delovanje finančnih trgov, stabilnost finančnega sistema in nevtralne konkurenčne pogoje za finančne institucije v
efficiency and orderly functioning of financial markets, the stability of the financial system, and for neutral conditions of competition for financial institutions in the
Ta mehanizem je treba uporabljati na področjih, kjer so z zakonodajo
This mechanism should apply in areas where
opredeljene jasne in brezpogojne obveznosti.
legislation defines clear and unconditional obligations.
Da se omogoči ustrezen odziv na primere nepravilne ali nezadostne uporabe zakonodaje
To allow for a proportionate response to instances of incorrect or insufficient application of
, je treba uporabiti tristopenjski mehanizem.
law, a three-step mechanism should apply.
Na prvi stopnji je treba organu dodeliti pooblastila za preiskavo domnevno nepravilne ali nezadostne uporabe obveznosti iz prava
At a first level, the Authority should be empowered to investigate alleged incorrect or insufficient application of
pri nadzorni praksi nacionalnih organov, pri čemer na koncu izda priporočilo.
law obligations by national authorities in their supervisory practice, concluded by a recommendation.
Kadar nacionalni organ ne ravna v skladu s priporočilom
Where the national authority does not comply with the recommendation
zaradi obstoječih ali prihodnjih uredb EU neposredno uporablja za finančne institucije.
law is directly applicable to financial institutions by virtue of existing or future EU Regulations.
Ob upoštevanju občutljivosti tega vprašanja bi bilo treba za razglasitev izrednih razmer pooblastiti Komisijo, da lahko to stori na lastno pobudo ali na zahtevo Evropskega parlamenta, Sveta, ESRB ali organa.
Bearing in mind the sensitivity of the issue, the power to determine the existence of an emergency situation should be conferred on the Commission at its own initiative or at the request of the European Parliament, the Council, the ESRB or the Authority.
Če bi Evropski parlament, Svet, ESRB ali evropski nadzorni organ ocenil, da obstaja verjetnost za nastanek izrednih razmer, bi moral vzpostaviti stik s Komisijo.
Where the European Parliament, the Council, the ESRB or the European Supervisory Authority (ESA) deem that the existence of an emergency situation is likely to arise, they should contact the Commission.
Če ne pride do sporazuma, bi moral organ od zadevnih pristojnih organov zahtevati, da izvedejo določene ukrepe ali da ne ukrepajo, da bi razrešili zadevo in zagotovili spoštovanje zakonodaje EU z zavezujočimi učinki za zadevne pristojne organe.
Where such an agreement is not reached, the Authority should require the competent authorities concerned to take specific action or to refrain from action in order to settle the matter in order to ensure compliance with EU legislation, with binding effects for the competent authorities concerned.
V primerih, ko ustrezna zakonodaja EU podeljuje diskrecijo pristojnim organom držav članic, odločitve, ki jih sprejme evropski nadzorni organ, ne morejo nadomestiti izvajanja diskrecije, ki je v skladu z zakonodajo Unije.
In cases where the relevant EU legislation confers discretion on Member States' competent authorities, decisions taken by the ESA cannot replace the exercise in compliance with Union law of that discretion.
V primeru neukrepanja zadevnih nacionalnih nadzornih organov je treba organu dodeliti pooblastila, da v skrajnem primeru sprejme odločbe, neposredno naslovljene na finančne institucije, na področjih prava Skupnosti, ki se neposredno uporablja zanje.
In the event of inaction by the national supervisory authorities concerned, the Authority should be empowered to adopt, as a last resort, decisions directly addressed to financial institutions in areas of Community law directly applicable to them.
Kriza je pokazala, da je samo sodelovanje med nacionalnimi organi, katerih pravna pristojnost seže le do nacionalnih meja, popolnoma neustrezno za nadziranje finančnih institucij, ki delujejo čezmejno.
The crisis has proven that the mere cooperation between national authorities whose jurisdiction ends at the national border is clearly inadequate to supervise financial institutions that operate cross border.
Poleg tega „sedanje ureditve, ki so kombinacija omogočanja odpiranja podružnic, nadzora matične države in zgolj nacionalnega zavarovanja depozitov, niso trdna osnova za prihodnjo regulacijo in nadzor nad evropskimi čezmejnimi bankami, ki poslujejo s prebivalstvom“ (Turnerjevo poročilo).
Furthermore, ‘the current arrangements, combining branch passporting rights, home country supervision, and purely national deposit insurance, are not a sound basis for the future regulation and supervision of European cross-border retail banks’ (Turner Review).
Kolegiji nadzornih organov imajo pomembno vlogo pri učinkovitem, uspešnem in doslednem nadzoru nad finančnimi institucijami, ki delujejo čezmejno.
Colleges of supervisors play an important role in the efficient, effective and consistent supervision of financial institutions operating across borders.
vodilno vlogo in
play a leading role and
polnopravno pravico do udeležbe v kolegijih nadzornih organov, da se racionalizira delovanje kolegijev in proces izmenjave informacij znotraj njih ter okrepi približevanje in usklajenost kolegijev pri uporabi prava
have full participation rights in colleges of supervisors with a view to streamlining the functioning of and the information exchange process in colleges and to foster convergence and consistency across colleges in the application of
Organ in nacionalni nadzorniki bi morali okrepiti nadzor nad finančnimi institucijami, ki ustrezajo merilom za sistemsko tveganje, ker bi njihov propad lahko ogrozil stabilnost finančnega sistema Unije in povzročil škodo realnemu gospodarstvu.
The Authority and national supervisors should strengthen supervision of financial institutions meeting the systemic risk criteria since their failure may jeopardise the stability of the Union Financial System and damage the real economy.
Treba je opredeliti sistemsko tveganje in pri tem upoštevati mednarodne standarde, zlasti tiste, ki jih je sprejel Odbor za finančno stabilnost, Mednarodni denarni sklad, Mednarodno združenje zavarovalnih nadzornikov in skupina G-20.
The systemic risk should be identified, taking into account international standards, in particular those established by the FSB, the IMF, the International Association of Insurance Association and the G-20.
Ne glede na to je jasno, da so pristopi EU nujno bolj zapleteni in so nekatere države članice že začele pripravljati ali celo izvajati takšne sheme.
It is obvious however that EU approaches are inevitably more complex and that some Member States have already started to design or even to run such schemes.
Zato bi moral organ zagotoviti, da bodo usklajene vsaj najpomembnejše značilnosti nacionalnih shem.
At the very minimum therefore, the Authority should ensure that there is harmonisation of the most important features of national schemes.
Prav tako bi moral biti sposoben zagotoviti, da se bo od finančnih institucij zahtevalo plačilo samo v eno shemo.
It should also be able to ensure that financial institutions are required to pay in to only one scheme.
Evropski sklad za bančno stabilnost bi moral financirati ustrezno likvidacijo ali sanacijo finančnih institucij v težavah, če bi te lahko ogrozile finančno stabilnost notranjega finančnega trga Unije.
The European Banking Stability Fund should finance the orderly winding-up or rescue interventions of financial institutions facing difficulties where those could menace the financial stability of the Union's internal financial market.
, zlasti finančnih institucij, ki nimajo evropske razsežnosti
, particularly those financial institutions that do not have a Union dimension
S prenosom odgovornosti
By delegation of responsibilities one national supervisory authority, the delegatee,
ustrezna na primer zaradi ekonomije obsega, usklajenosti pri skupinskem nadzoru in optimalne uporabe tehničnega strokovnega znanja v nacionalnih nadzornih organih.
be appropriate, for example, for reasons of economies of scale or scope, of coherence in group supervision, and of optimal use of technical expertise among national supervisory authorities.
Za zaščito finančne stabilnosti je treba zgodaj opredeliti čezmejne in medsektorske trende, morebitna tveganja in ranljivosti, ki izhajajo iz mikrobonitetne ravni.
In order to safeguard financial stability it is necessary to identify, at an early stage, trends, potential risks and vulnerabilities stemming from the micro-prudential level, across borders and across sectors.
, s katerimi se oceni prilagodljivost finančnih ustanov na neugodne razmere na trgu, in zagotoviti, da se na nacionalni ravni za take teste uporablja čim bolj usklajena metodologija.
stress tests to assess the resilience of financial institutions to adverse market developments, ensuring an as consistent as possible methodology is applied at the national level to such tests.
Da bi organ ustrezno opravljal svoje funkcije, bi moral izvajati ekonomske analize trgov in učinka morebitnega dogajanja na trgu.
In order to properly to perform its functions, the Authority should conduct economic analyses of the markets and the impact of potential market developments.
Zaradi globalizacije finančnih storitev in vse večjega pomena mednarodnih standardov mora organ
Given the globalisation of financial services and the increased importance of international standards, the Authority should
zastopati Evropsko unijo v dialogu in sodelovanju
represent the European Union in relation to