natgillin/translations-raw huggingface dataset:
Da bi se izognili kaznovanju starejših žensk pri upravičenosti do pokojnine zaradi nudenja brezplačne pomoči in s tem umika s trga dela, bi lahko upoštevali kar nekaj možnosti.
In order to avoid penalisation of older women in their pension entitlement for providing unpaid care and thus leaving the labour market, several options could be considered.
Glede na pomen neuradne oskrbe v mnogih družbah in žensko premoč v nudenju oskrbe bi ukrepi za spodbujanje neuradne oskrbe lahko pozitivno vplivali na dojemanje vključevanja žensk na trg dela in usklajevanje tržnega dela ter oskrbniških obveznosti.
Given the relevance of informal care in many societies and women’s predominance as care-givers, measures supporting informal carers may exert a positive gender impact in terms of women’s labour inclusion and reconciliation between market work and caring responsibilities.
Spodbujanje neuradnih oskrbnikov bi lahko vključevalo izobraževanje in usposabljanje, davčne olajšave in plačilo davkov in zakonodajo za podjetja ali pobude za zasebne organizacije, da bi omogočili usklajevanje dela in oskrbe.
Support for informal care-givers may include information and training, tax benefits and payments, regulations of businesses or initiatives by private organisations to facilitate combining work and care-giving.
Politične pobude, ki spodbujajo tako pravičen dostop do dolgoročne oskrbe kot neuradne oskrbnike, vključujejo: dopust za nego, pokojninska sredstva, prispevke v naravi in v denarju, denarno pomoč in prilagodljiv delovni čas.
The policy initiatives supporting both an equitable access to LTC and the work of informal care-givers include: care leave, pension credits, in-kind and in-cash benefits and allowances, and flexible working time.
Z zagotavljanjem dolgotrajne storitve oskrbe bi ženske morda obdržale službo, lahko pa bi se tudi bistveno izboljšala enakost med spoloma glede na kakovost življenja in vključevanje v družbo tako oskrbnika kot prejemnika oskrbe.
The provision of long-term care service may support women in retaining their work and may exert a relevant gender impact in terms of quality of life and social inclusion, both for the carer and for the recipient of the care.
Poleg tega je možnost starševskega dopusta za stare starše na voljo le v nekaterih državah članicah.
Furthermore, in a few Member States, parental leave is extended to grandparents.
Toda takšne pobude so še vedno izjema.
However, such initiatives are still exceptional.
Zdravstvene težave starejših žensk
Health issues of older women
Spodbujanje raziskav v tej smeri bi bil velik prispevek k marsikateremu področju, rezultati pa bi pomagali izboljšati zdravje žensk.
There are a number of areas which would greatly benefit from stimulation of gender specific research and where the outcome would benefit women’s health.
Starejše ženske so še posebej izpostavljene s starostjo povezanim boleznim, zlasti raku na dojki, motnjam spomina (npr. demenci in Alzheimerjevi bolezni), osteoporozi in revmatoidnemu artritisu.
Ageing women are particularly vulnerable to age-related diseases, especially breast cancer, memory disorders, (e.g. dementia and Alzheimer’s), osteoporosis and rheumatoid arthritis.
Po podatkih Svetovne zdravstvene organizacije 40 % vseh žensk po 50. letu utrpi osteoporozni zlom.
According to the WHO 40% of all women over 50 will suffer an osteoporotic fracture.
Ženske pa so tudi bolj izpostavljene zapletom, povezanim z boleznimi ožilja zaradi diabetesa ali povečanega krvnega tlaku.
Furthermore, complication related to coronary vascular diseases in the presence of diabetes or hypertensions is more common in women than in men.
Preventiva je ključnega pomena.
Prevention is of crucial importance.
V nekaterih državah članicah so že na voljo preventivni pregledi glede na spol, toda ne v vseh.
In some Member States gender specific screening programmes are already available, but not in all.
V nekaterih so programi za zgodnje odkrivanje raka na dojki za ženske med 50. in 69. letom starosti brezplačni in del zdravstvenega zavarovanja.
Breast cancer prevention programmes are in some Member States free of charge for women aged 50-69 and part of the statutory health scheme.
V določenih državah članicah ženske omenjene starosti celo prejmejo osebno povabilo na pregled z mamogramom vsaki dve leti.
What’s more, in some Member States, women from this age group are personally invited in writing for mammographic screening every two years.
Večina politik in programov pa ne upošteva razlik med spoloma in se ne osredotoča izrecno na starejše ženske, temveč na družbeno vključevanje bolj splošno „ranljivih skupin”.
Most policies and programmes are gender-blind, they do not explicitly target older women but rather aim at the social inclusion of more generic ‘vulnerable groups’.
Večplastna diskriminacija prizadene starejše ženske, ki niso le diskriminirane na podlagi starosti, spola in zdravstvenega stanja, temveč tudi na drugih področjih, če sodijo v ranljive skupine.
Multiple discrimination affects older women who are not only discriminated on the basis of their age, gender and health status, but, if belonging to vulnerable groups, also on other counts.
Poleg tega trenutna gospodarska kriza zaradi trenutnih ali prihodnjih zmanjševanj proračuna močno vpliva na starejše ženske, ki so že tako žrtve diskriminacije zaradi zdravja ali posebnih potreb, in na njihov dostop do osnovnih storitev, zlasti do zdravstvene nege in dolgotrajne oskrbe.
Moreover, the current economic crisis has significant consequences on older women already suffering discrimination for matters of health or disability, and on their access to basic services, especially health care and long-term care services, due to current or future budget cuts.
Pravilno upravljanje procesa staranja prebivalstva in neizbežnih sprememb v družbi bi nazadnje prispevalo k bolj razumni gospodarski in družbeni politiki.
Finally, proper management of the population’s ageing process and the inevitable changes in society may contribute to sounder economic and social policy.
Potrebno je odpraviti prevladujočo politično retoriko o starejših prebivalcih, saj se jih dojema kot ekonomsko in socialno breme za družbo.
It is necessary to overcome the dominant political rhetoric on population ageing seen as a social and economic burden for society.
Izredno pomembno je, da se starostno in spolno razsežnost vpelje v vse strategije aktivnega staranja na vseh področjih upravljanja.
It is crucial to integrate a gender and age dimension into all active ageing strategies at all governance level.
Regina Bastos, Edit Bauer, Marije Cornelissen, Silvia Costa, Edite Estrela, Ilda Figueiredo, Zita Gurmai, Teresa Jiménez-Becerril Barrio, Nicole Kiil-Nielsen, Astrid Lulling, Barbara Matera, Angelika Niebler, Siiri Oviir, Antonija Prvanova (Antonyia Parvanova), Nicole Sinclaire, Joanna Katarzyna Skrzydlewska, Eva-Britt Svensson, Britta Thomsen, Marina Yannakoudakis, Anna Záborská
Regina Bastos, Edit Bauer, Marije Cornelissen, Silvia Costa, Edite Estrela, Ilda Figueiredo, Zita Gurmai, Teresa Jiménez-Becerril Barrio, Nicole Kiil-Nielsen, Astrid Lulling, Barbara Matera, Angelika Niebler, Siiri Oviir, Antonyia Parvanova, Nicole Sinclaire, Joanna Katarzyna Skrzydlewska, Eva-Britt Svensson, Britta Thomsen, Marina Yannakoudakis, Anna Záborská
Izaskun Bilbao Barandica, Vilija Blinkevičiūtė, Christa Klaß, Mojca Kleva, Marija Nedelčeva (Mariya Nedelcheva), Norica Nicolai, Hrisula Paliadeli (Chrysoula Paliadeli), Antigoni Papadopulu (Antigoni Papadopoulou), Sirpa Pietikäinen
Izaskun Bilbao Barandica, Vilija Blinkevičiūtė, Christa Klaß, Mojca Kleva, Mariya Nedelcheva, Norica Nicolai, Chrysoula Paliadeli, Antigoni Papadopoulou, Sirpa Pietikäinen
o predlogu uredbe Evropskega parlamenta in Sveta o uvajanju tehničnih zahtev za kreditne prenose in neposredne bremenitve v eurih in o spremembi Uredbe (ES) št. 924/2009
on the proposal for a regulation of the European Parliament and of the Council establishing technical requirements for credit transfers and direct debits in euros and amending Regulation (EC) No 924/2009
Poročevalka: Sari Essayah
Rapporteur: Sari Essayah
MNENJE Odbora za notranji trg in varstvo potrošnikov .........................59
OPINION of the Committee on the Internal Market and Consumer Protection 61
– ob upoštevanju predloga Komisije Evropskemu parlamentu in Svetu ( KOM(2010)0775 ),
– having regard to the Commission proposal to Parliament and the Council ( COM(2010)0775 ),
– ob upoštevanju člena 294(2) in člena 114 Pogodbe o delovanju Evropske unije, na podlagi katerih je Komisija podala predlog Parlamentu ( C7-0434/2010 ),
– having regard to Article 294(2) and Article 114 of the Treaty on the Functioning of the European Union, pursuant to which the Commission submitted the proposal to Parliament ( C7‑0434/2010 ),
– ob upoštevanju poročila Odbora za ekonomske in monetarne zadeve in mnenja Odbora za notranji trg in varstvo potrošnikov ( A7-0292/2011 ),
– having regard to the report of the Committee on Economic and Monetary Affairs and the opinion of the Committee on the Internal Market and Consumer Protection ( A7-0292/2011 ),
Naslov 1 – naslov
Title 1 – title
Predlog UREDBE EVROPSKEGA PARLAMENTA IN SVETA o uvajanju tehničnih zahtev za kreditne prenose in neposredne bremenitve v eurih in o spremembi Uredbe (ES) št. 924/2009
Proposal for a REGULATION OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL establishing technical requirements for credit transfers and direct debits in euros and amending Regulation (EC) No 924/2009
Predlog UREDBE EVROPSKEGA PARLAMENTA IN SVETA o uvajanju tehničnih in poslovnih zahtev za kreditne prenose in neposredne bremenitve v eurih in o spremembi Uredbe (ES) št. 924/2009
Proposal for a REGULATION OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL establishing technical and business requirements for credit transfers and direct debits in euro and amending Regulation (EC) No 924/2009
(1) Vzpostavitev enotnega trga elektronskih plačil v eurih, brez osnovnih razlikovanj med nacionalnimi in čezmejnimi plačili, je potrebna za ustrezno delovanje notranjega trga.
(1) The creation of an integrated market for electronic payments in euros , with no basic distinction between national and cross-border payments is necessary for the proper functioning of the Internal Market .
V ta namen želi projekt enotnega območja plačil v eurih (v nadaljevanju: SEPA – Single Euro Payments Area) razviti enotne vseevropske plačilne instrumente , ki bi zamenjali obstoječe nacionalne plačilne instrumente .
To this end, the Single Euro Payments Area (hereinafter ‘ SEPA ’ ) project aims to develop common Union-wide payment instruments to replace current national payment instruments .
Kot rezultat uvedbe odprtih, enotnih plačilnih standardov, pravil in praks, ter s pomočjo enotne obdelave plačil, bi SEPA morala omogočiti državljanom in podjetjem EU uporabo varnih, uporabniku prijaznih in zanesljivih plačilnih storitev v eurih po konkurenčnih cenah.
As a result of the introduction of open, common payment standards, rules and practices, and through integrated payment processing, SEPA should provide Union citizens and businesses with secure, competitively priced, user-friendly, and reliable payment services in euros .
Dokončen prehod na SEPA bi ustvaril tudi ugodne pogoje za povečanje konkurence na področju plačilnih storitev ter za neoviran razvoj in hitro, vseevropsko uvedbo inovacij, povezanih s plačili.
Completing SEPA should also create favourable conditions for increased competition in payment services and for the unhindered development and swift, Union-wide implementation of payments-related innovations.
Posledično bi elektronske plačilne storitve v evrih morale zaradi izboljšane ekonomije obsega, izboljšane operativne učinkovitosti in okrepljene konkurence ustvarjati splošni pritisk na cene v smeri njihovega zniževanja, saj predstavljajo boljšo rešitev od vseh, s katerimi konkurirajo.
Consequently, as a result of improved economies of scale, increased operating efficiency and strengthened competition , electronic payment services in euros should create a best-of-breed basis downward price pressure .
Učinki tega bi morali biti pomembni, zlasti v državah članicah, v katerih so plačila, primerjalno gledano , razmeroma draga.
The effects of this should be significant, in particular in Member States where payments are, comparatively speaking , relatively expensive.
Prehoda na SEPA zato ne bi smele spremljati splošne podražitve, niti za uporabnike plačilnih storitev nasploh niti konkretno za potrošnike.
The transition to SEPA should therefore not be accompanied by overall price increases for payment service users in general and for consumers, in particular.
(1) Vzpostavitev enotnega trga elektronskih plačil v eurih, brez razlikovanj med nacionalnimi in čezmejnimi plačili, je potrebna za ustrezno delovanje notranjega trga.
(1) The creation of an integrated market for electronic payments in euro , with no distinction between national and cross-border payments is necessary for the proper functioning of the i nternal m arket .
V ta namen želi projekt enotnega območja plačil v eurih (v nadaljevanju: SEPA – Single Euro Payments Area) razviti enotne vseevropske plačilne storitve , ki bi zamenjali obstoječe nacionalne plačilne storitve .
To this end, the Single Euro Payments Area (hereinafter " SEPA " ) project aims to develop common Union-wide payment services to replace current national payment services .
Kot rezultat uvedbe odprtih, enotnih plačilnih standardov, pravil in praks, ter s pomočjo enotne obdelave plačil, bi SEPA morala omogočiti državljanom in podjetjem EU uporabo varnih, uporabniku prijaznih in zanesljivih plačilnih storitev v eurih po konkurenčnih cenah.
As a result of the introduction of open, common payment standards, rules and practices, and through integrated payment processing, SEPA should provide Union citizens and businesses with secure, competitively priced, user-friendly, and reliable payment services in euro .
SEPA bi morala biti izoblikovana tako, da bi omogočila dostop za nove udeležence na trgu in razvoj novih produktov ter ustvarila ugodne pogoje za povečanje konkurence na področju plačilnih storitev ter za neoviran razvoj in hitro, vseevropsko uvedbo inovacij, povezanih s plačili.
SEPA should be completed in a way that facilitates access for new market entrants and the development of new products, and creates favourable conditions for increased competition in payment services and for the unhindered development and swift, Union-wide implementation of payments-related innovations.
Posledično bi morale elektronske plačilne storitve v evrih zaradi izboljšane ekonomije obsega, izboljšane operativne učinkovitosti in okrepljene konkurence privesti do splošnega pritiska na cene v smeri njihovega zniževanja in predstavljati boljšo rešitev od vseh, s katerimi konkurirajo.
Consequently, improved economies of scale, increased operating efficiency and strengthened competition should lead to downward price pressure in electronic payment services in euro on a best-of-breed basis.
Učinki tega bi morali biti pomembni, zlasti v državah članicah, v katerih so plačila v primerjavi z drugimi državami članicami razmeroma draga.
The effects of this should be significant, in particular in Member States where payments are, compared to other Member States , relatively expensive.
Kadar je uporabnik plačilne storitve potrošnik, bi morali namesto tega spodbujati načelo, da se ne zaračunavajo višji stroški.
Instead, where the payment service user is a consumer , the principle of not levying higher charges should be encouraged .
Zaželeno je, da Komisija še naprej spremlja gibanje cen v plačilnem sektorju in pripravi njegovo letno analizo.
The Commission is invited to continue to monitor price developments in the payment sector and should provide a n annual analysis there of.
(4) Uredba (ES) št. 924/2009 Evropskega parlamenta in Sveta z dne 16. septembra 2009 o čezmejnih plačilih v Skupnosti in razveljavitvi Uredbe (ES) št. 2560/2001 prav tako zagotavlja številne poenostavitvene ukrepe za uspeh SEPA, kot so razširitev načela enakih stroškov za čezmejne neposredne bremenitve.
(4) Regulation (EC) No 924/2009 of the European Parliament and of the Council of 16 September 2009 on cross-border payments in the Community and repealing Regulation (EC) No 2560/2001 19 also provides a number of facilitating measures for the success of SEPA such as the extension of the principle of equal charges to cross-border direct debits.
(4) Uredba (ES) št. 924/2009 Evropskega parlamenta in Sveta z dne 16. septembra 2009 o čezmejnih plačilih v Skupnosti in razveljavitvi Uredbe (ES) št. 2560/2001 prav tako zagotavlja številne poenostavitvene ukrepe za uspeh SEPA, kot so razširitev načela enakih stroškov za čezmejne neposredne bremenitve in dostopnost transakcij z neposredno bremenitvijo .
(4) Regulation (EC) No 924/2009 of the European Parliament and of the Council of 16 September 2009 on cross-border payments in the Community and repealing Regulation (EC) No 2560/2001 also provides a number of facilitating measures for the success of SEPA such as the extension of the principle of equal charges to cross-border direct debits and reachability for direct debits .
(5) Poleg tega se samoregulativni poskusi evropskega bančnega sektorja v okviru pobude SEPA se niso izkazali za zadostne za uspešno izvedbo usklajenega prehoda na vseevropske sheme za kreditne prenose in neposredne bremenitve na strani ponudbe in na strani povpraševanja.
(5) In addition, self-regulatory efforts of the European banking sector through the SEPA initiative have not proven sufficient to drive forward concerted migration to Union-wide schemes for credit transfers and direct debits on both the supply and demand sides.
Poleg tega se za ta samoregulativni proces niso uporabljali ustrezni mehanizmi upravljanja, kar lahko delno pojasni počasno sprejemanje na strani povpraševanja.
Moreover, this self-regulatory process has not been subject to appropriate governance mechanisms, which may partly explain the slow uptake on the demand side.
Samo hiter in celovit prehod na vseevropske kreditne prenose in neposredne bremenitve bo omogočil vse koristi integriranega plačilnega trga, s čimer bi lahko ukinili visoke stroške hkratnega vzdrževanja obstoječih in SEPA produktov .
Only rapid and comprehensive migration to Union-wide credit transfers and direct debits will generate the full benefits of an integrated payments market, so that the high costs of running both ‘legacy’ and SEPA products in parallel can be eliminated.
Zlasti se niso zadosti in na pregleden način upoštevali interesi potrošnikov in drugih uporabnikov.
In particular, consumer and other user interests have not been taken into account in a sufficient and transparent way.
Medtem ko nedavna ustanovitev sveta SEPA pomeni bistveno izboljšanje upravljanje projekta SEPA , je v bistvu in formalno gledano upravljanje še vedno pretežno v rokah Evropskega sveta za plačila (EPC).
While the recent establishment of the SEPA Council represents a significant improvement to the governance of the SEPA project, fundamentally and formally governance still remains very much in the hands of the European Payments Council ( EPC ) .
Zato je zaželeno, da Komisija pred koncem leta 2012 pripravi predlog, s katerim bi dodatno izboljšali upravljanje SEPA.
T he Commission is therefore invited to make a proposal to further improve the governance of SEPA before the end of 2012.
Nadvse pomembno je, da postane do vzpostavitve te nove ureditve upravljanja sestava Evropskega sveta za plačila bolj uravnotežena, zato da bi lahko svoje mnenje izrazile vse ustrezne zainteresirane strani, vlogo sveta SEPA pa bi bilo treba razširiti, da bi omogočili boljšo povezanost med tema organoma .
It is of crucial importance that until these new governance arrangements are in place, the composition of the EPC should become more balanced so that the voice of all relevant stakeholders is heard and there should be an expanded role for the SEPA Council allowing for improved interaction between those two bodies.
(6) Zato je treba določiti pravila za izvajanje vseh transakcij s kreditnimi prenosi in neposrednimi bremenitvami v eurih znotraj Unije.
(6) Rules should therefore be laid down to cover the execution of all credit transfers and direct debit transactions denominated in euros within the Union.
Kljub temu pa v tem trenutku še ni primerno vključiti transakcij s karticami, saj so enotni standardi za evropska plačila s karticami še v fazi razvoja.
However, it is not appropriate at this stage to cover card transactions, since common standards for Union card payments are still under development.
Denarna nakazila, notranje obdelana plačila, plačilne transakcije velikih vrednosti med ponudniki plačilnih storitev in plačila prek mobilnih telefonov ne bi smeli spadati pod omenjena pravila, saj te plačilne storitve niso primerljive s kreditnimi prenosi in neposrednimi bremenitvami.
Money remittance, internally processed payments, large-value payment transactions between payment service providers and payments via mobile phone should not fall under the scope of those rules since these payment services are not comparable to credit transfers and direct debits.
(6) Zato je treba določiti pravila za izvajanje vseh transakcij s kreditnimi prenosi in neposrednimi bremenitvami v eurih znotraj Unije , tudi transakcij s plačilno kartico na prodajnem mestu, katerih rezultat je neposredna bremenitev plačilnega računa, označenega z osnovno številko bančnega računa (BBAN) ali mednarodno številko bančnega računa (IBAN) .
(6) Rules should therefore be laid down to cover the execution of all credit transfers and direct debit transactions , including transactions initiated through a payment card at the point of sale which result in direct debit from a payment account identified by the basic bank account number ( BBAN ) or by the international bank account number ( IBAN ) , denominated in euro within the Union.
Poleg tega merila ne bi smela vključevati plačilnih transakcij, za katere so stranke posebej zahtevale, da se jih obdela s sistemi za plačila velikih vrednosti.
In addition, the rules should not cover payment transactions which customers have specifically requested to be processed through large-value payments systems.
(7) Trenutno obstaja več plačilnih instrumentov , večinoma za plačila prek interneta, ki tudi uporabljajo mednarodno številko bančnega računa ( IBAN – International Banc Account Number) in identifikacijsko kodo banke (BIC – Bank Identifier Code) , in ki temeljijo na kreditnih prenosih ali neposrednih bremenitvah, vendar imajo dodatne značilnosti.
(7) Several payment instruments currently exist, mostly for payments through the internet, which also use the international banc account number ( IBAN ) and the bank identifier code (BIC) and are based on credit transfers or direct debits but which have additional features.
Te sheme se bodo predvidoma razširile čez trenutne državne meje in bi lahko zapolnile potrebo potrošnikov po inovativnih, varnih in poceni plačilnih instrumentih .
Those schemes are foreseen to expand beyond their current national borders and could fulfil a consumer demand for innovative, safe and cheap payment instruments .
Da ne bi izključila takih shem s trga, bi se morala uredba o določitvi končnih datumov za kreditne prenose in neposredne bremenitve nanašati samo na kreditne prenose ali neposredne bremenitve, ki so osnova transakcij.
In order not to foreclose such schemes from the market, the regulation on end dates for direct debit and credit transfer should only apply to the credit transfer or direct debit underlying the transaction .
(7) Trenutno obstaja več plačilnih storitev , večinoma za plačila prek interneta, ki tudi uporabljajo številko IBAN in identifikacijsko kodo banke (BIC) in ki temeljijo na kreditnih prenosih ali neposrednih bremenitvah, vendar imajo dodatne značilnosti.
(7) Several payment services currently exist, mostly for payments through the internet, which also use the IBAN and the bank identifier code (BIC) and are based on credit transfers or direct debits but which have additional features.