natgillin/translations-raw huggingface dataset:
Poleg tega bi se lahko s temi ukrepi izognili nadaljnjim stroškom in negativnim učinkom na finančno stabilnost in povečanje zaupanja vlagateljev.
Moreover, such measures may make it possible to avoid further costs and adverse effects on financial stability and to boost the confidence of depositors.
v povezavi z redno likvidacijo
possible to use such measures in conjunction with the orderly winding-up of a
stroški, ki jih nosi sistem zajamčenih vlog, ne
The costs borne by the Deposit Guarantee Scheme
bi smeli presegati
should therefore not
Sredstva iz sistema zajamčenih vlog se lahko uporabijo za financiranje neprekinjenega vodenja računa za delež kritih vlog institucije.
Funds of Deposit Guarantee Schemes may be used to finance the continuity of account operation for an institution's share of covered deposits.
Ob prispevkih v sisteme zajamčenih vlog je treba upoštevati stopnjo tveganja, ki so ji njihovi člani izpostavljeni.
Contributions to Deposit Guarantee Schemes should take account of the degree of risk incurred by their members.
Do takšne uskladitve bi se postopoma dalo priti z določitvijo glavnih kazalnikov, obveznih za vse države članice, in dodatnih, neobveznih kazalnikov.
a set of core indicators mandatory for all Member States and another set of optional supplementary indicators would introduce such harmonisation gradually.
S tem bi se odražali profili tveganj posameznih bank,
This would allow to reflect the risk profiles of individual banks
tudi njihovih posameznih poslovnih modelov,
, including their different business models,
s čimer bi se omogočil pošten izračun prispevkov in spodbujalo poslovanje po manj tveganem poslovnem modelu.
and lead to a fair calculation of contributions and to provide incentives to operate under a less risky business model.
Zato je smiselno, da se sistemom zajamčenih vlog poleg standardne metode omogoči, da uporabijo tudi svoje nadomestne metode na podlagi tveganja, pod pogojem, da te metode na podlagi tveganja izpolnjujejo smernice, ki jih bo pripravil Evropski bančni organ po posvetovanju z Evropskim forumom zavarovateljev vlog (EFDI).
It is therefore worthwhile, in addition to the standard method, to enable Deposit Guarantee Schemes to use their own alternative risk-based methods in so far as those alternative risk-based methods comply with the guidelines to be drawn up by EBA after consulting the European Forum of Deposit Insurers (EFDI).
Področja kreditnega sektorja s posebej nizkim tveganjem, ki so urejena s posebno zakonodajo, bi lahko upoštevali le, če bi obstajala možnost ustreznega zmanjšanja prispevkov, ki jih je treba zagotavljati.
In order to take account of particularly low-risk sectors of lending, which are governed by special laws, corresponding reductions in the contributions to be paid should be provided for.
Donosnost v nekaterih primerih se uporablja kot kazalec za zmanjševanje tveganja za premije, ki temeljijo na tveganju.
Profitability has, in some instances, been used as a risk diminishing indicator for risk-based premiums.
Obdobje izplačila, ki bo od 31. decembra 2010 naprej znašalo največ šest tednov, ne prispeva k ohranjanju zaupanja vlagateljev in ne zadovoljuje njihovih potreb.
The payout delay of at maximum six weeks from 31 December 2010, runs counter to the need to maintain depositor confidence and does not meet their needs.
Zato bi bilo treba rok za izplačilo zmanjšati na
The payout delay should therefore be reduced to a period of
en teden
one week
pet delovnih dni
five working days
Pogosto pa potrebni postopki za kratek rok izplačila še ne obstajajo.
In many cases, however, the necessary procedures for a short time limit for repayment do not yet exist.
Če pa se vlagateljem zagotovi, da bo rok izplačila kratek, nato pa se ga zaradi propada kreditne institucije ne spoštuje, lahko to trajno omaja zaupanje vlagateljev v jamstvene sheme ter njihovo stabilizacijsko delovanje in namen.
If, however, depositors are assured that the time limit for repayment will be short and then, upon failure of a credit institution, the time limit is not complied with, this can permanently damage depositors' confidence in Deposit Guarantee Schemes, thereby undermining their stabilising effect and purpose.
Zaradi tega bi bilo treba državam članicam omogočiti, da v prehodnem obdobju do 31. decembra 2016 sprejmejo 20-dnevni rok izplačila, če se po preverjanju pristojnega organa ugotovi, da skrajšani rok izplačila ni uresničljiv.
Member States should, therefore, be given the option, during a transitional period ending on 31 December 2016, to adopt a time limit for repayment of 20 working days if, after examination by the competent authorities, the reduced time limit for repayment is found not to be feasible.
V tem primeru bi morali do 31. decembra 2016 razviti in preizkusiti potrebne postopke za rok izplačila petih delovnih dni.
In that case, the procedures required for the time limit for repayment of five working days should be developed and tested by 31 December 2016.
Da bi pri tem zagotovili, da se vlagatelji v prehodnem obdobju do tega datuma pri propadu kreditne institucije ne bodo znašli v finančnih težavah, bi morali imeti vlagatelji možnost, da jim pristojni sistem zajamčenih vlog v petih delovnih dneh izplača imetje, do katerega so upravičeni, v višini do 5000 EUR.
In order to ensure that, during the transitional period ending on that date, depositors do not encounter financial difficulties in the event of failure of their credit institution, depositors should, however, be able to obtain a payout of up to EUR 5 000 from the applicable Deposit Guarantee Scheme within five working days on their deposit which is eligible for repayment.
Informacija je bistveni element zaščite vlagatelja.
Information is an essential element in depositor protection.
Sistemi, ki ščitijo samo kreditno institucijo morajo vlagatelje
Systems which protect the credit institution itself should
obvestiti o
inform depositors about their
, ne da bi obljubljali neomejeno zaščito vlog.
without promising unlimited deposit protection.
njihovih zakonitih pravicah v okviru stopnje kritja, določene v tej direktivi, in o svojem načinu delovanja,
legal entitlement arising from the coverage level provided for in this Directive and about how it operates,
ne da bi obljubljali neomejeno zaščito vlog.
without promising unlimited deposit protection.
zbirati podatke
collect information
zajamčenih vlog, zlasti o zneskih, ki jih ti krijejo in ki so jih potrdili pristojni organi.
Deposit Guarantee Schemes, in particular on the amount of deposits covered by them, confirmed by competent authorities.
in kar najbolj zmanjšal tveganje za davkoplačevalce
and minimising the risk to taxpayers
Treba je uvesti učinkovit instrument za določitev usklajenih tehničnih standardov na področju finančnih storitev, da se zagotovijo enaki konkurenčni pogoji in ustrezna zaščita vlagateljev po Evropi.
There is a need to introduce an effective instrument to establish harmonised technical standards in financial services to ensure a level playing field and an adequate protection of depositors across Europe.
Evropski parlament je v svoji resoluciji z dne 7. julija 2010, ki vsebuje priporočila Komisiji glede čezmejnega obvladovanja krize v bančnem sektorju, poudaril, da je nujen evropski mehanizem za reševanje bančnih kriz.
In its Resolution of 7 July 2010 with recommendations to the Commission on Cross-Border Crisis Management in the Banking Sector, the European Parliament stressed the need for a European mechanism to resolve banking crises.
Vzpostavitev takega mehanizma ne bi smela vplivati na zaščito vlagateljev, ki jo zagotavlja sistem zajamčenih vlog.
The establishment of such a mechanism should not affect the protection of depositors through a Deposit Guarantee Scheme.
V zvezi s členom 5(5)
in respect of Article 5(5)
Komisijo bi bilo treba tudi pooblastiti za sprejetje osnutka tehničnih regulativnih standardov Evropskega bančnega organa, ki uvaja opredelitve pojmov in standardno metodo iz te direktive, namenjenimi izračunavanju prispevkov na podlagi tveganja kreditnih institucij v sisteme zajamčenih vlog, v skladu s členi 10 do 14 Uredbe (EU) št. 1093/2010.
The Commission should also be empowered to adopt EBA's draft regulatory technical standards to establish the definitions and a standard method for calculating risk-based contributions by credit institutions to Deposit Guarantee Schemes described in this Directive in accordance with Articles 10 to 14 of Regulation (EU) No 1093/2010.
Ta direktiva določa pravila v zvezi z delovanjem
This Directive lays down rules concerning the functioning of
evropskega sistema za nacionalne
the European scheme for national
, katerega namen je vlagateljem v Uniji zagotoviti enotno varnostno mrežo, ki ponuja visoko raven zaščite
intended to provide depositors in the Union with a common safety net offering a high level of protection
Ta direktiva se uporablja za vse
This Directive shall apply to all Deposit Guarantee Schemes
zakonsko predpisane ali z dogovorom vzpostavljene
on a statutory or contractual basis and to
, priznane kot sistemi zajamčenih vlog
recognized as Deposit Guarantee Schemes
Ta direktiva se uporablja za vse sisteme zajamčenih vlog in
This Directive shall apply to all Deposit Guarantee Schemes
Sistemi zajamčenih vlog imajo lahko obliko zakonsko predpisanih, z dogovorom vzpostavljenih, pa tudi
Deposit Guarantee Schemes may take the form of statutory, contractual or
institucionalnih jamstvenih shem
institutional protection schemes
v smislu člena 80(8) Direktive 2006/48/ES
as referred to in Article 80(8) of Directive 2006/48/EC
jamstvene sheme, ki niso priznane po
protection schemes not recognized under
V zvezi s to direktivo se za
In respect of this Directive,
jamstvene sheme, ki niso priznane po
protection schemes not recognised under
členu 3(1)
Article 3(1)
, člen 14(6a)
Article 14(6a)
Člen 2 – odstavek 1 – točka a – odstavek 1
Article 2 – paragraph 1 – point a –paragraph 1
(a) „vloga“ pomeni kakršen koli pozitivni saldo, ki je posledica sredstev, ostalih na računu, ali začasnih stanj, ki so posledica običajnih bančnih transakcij in jih mora kreditna institucija vrniti po veljavnih pravnih in pogodbenih pogojih.
(a) ‘deposit’ means any credit balance which results from funds left in an account or from temporary situations deriving from normal banking transactions and which a credit institution must repay under the legal and contractual conditions applicable.
kakršen koli pozitivni saldo, ki je posledica sredstev, ostalih na računu, ali začasnih stanj, ki so posledica običajnih bančnih transakcij
any credit balance which results from funds left in an account or from temporary situations deriving from normal banking transactions
, vključno z vezanimi depoziti, hranilnimi vlogami in registriranimi vlogami,
, including fixed-term deposits, savings deposits and registered deposits,
in jih mora kreditna institucija vrniti po veljavnih pravnih in pogodbenih pogojih
and which a credit institution must repay under the legal and contractual conditions applicable
(ii) kakršen koli dolg, evidentiran s potrdilom, ki ga je izdala kreditna institucija
(ii) any debt evidenced by a certificate issued by the credit institution
(i) pristojni organi
(i) the relevant competent authorities have determined that
so ugotovili
in their view
ni sposobna vrniti vloge in tudi ni pričakovati, da bi to lahko storila.
have no current prospect of being able to do so.
na podlagi informacij, ki so jim ta čas dostopne,
, according to information currently available to them,
Člen 2 – odstavek 1 – točka f -a (novo)
Article 2 – paragraph 1 – point f -a (new)
(f-a) „preventivni in podporni ukrepi“ so ukrepi, ki jih sprejmejo sistemi zajamčenih vlog, da bi preprečili propad pridruženih kreditnih institucij:
(f-a) ‘preventive and supportive measures’ means measures adopted by Deposit Guarantee Schemes to prevent a bank failure of the affiliated credit institutions, including:
(i) preverjanje finančnega položaja in profila tveganja pridruženih kreditih institucij ali podlage za načrtovanje pri ustanovitvi takšnih institucij ter pravice do informacij o bistvenih spremembah v zvezi z lastništvom in nadzorom;
(i) verifying the economic situation and the risk position of the affiliated credit institutions or, where such an institution is being established, the basic plans, as well as information rights with regard to substantial changes in ownership and control;
(ii) obveznost poročanja pridruženih kreditnih institucij o njihovem finančnem položaju, profilu tveganja, razvoju in načrtovanih spremembah poslovnega modela;
(ii) requiring the affiliated credit institutions to provide information on their economic situation and their risk position, their development and intended changes to their business model;
(iii) določitev obveznih pogojev za omejitev obsega zajamčenih vlog ali za popolno ali delno omejitev nekaterih poslovnih dejavnosti, če na podlagi preverjanja ali drugih virov obstajajo razlogi, na podlagi katerih bi lahko sklepali, da obstaja neposredno ali akutno tveganje zatekanja k sistemu zajamčenih vlog;
(iii) imposing conditions to limit the volume of deposits guaranteed or wholly or partly to limit certain business operations where, on the basis of an audit, or drawing on other sources, there are indications that there may be an impending or acute risk of resorting to the Deposit Guarantee Scheme;
(iv) zbiranje prispevkov na podlagi profila tveganja posamezne institucije;
(iv) levying contributions geared to the individual risk position of the institution;
(v) sporazum o izmenjavi informacij s pristojnimi organi, tudi zaupnih;
(v) an agreement regarding the exchange of information with competent authorities including confidential information;
(vi) izdajanje jamstev, posojil in vseh vrst likvidnostne in kapitalske pomoči, vključno z izpolnjevanjem zahtevkov tretjih oseb.
(vi) granting guarantees, loans and all types of liquidity and capital assistance, including satisfying third-party claims.
(i) pomočjo pri pridobitvi kreditne institucije, ki je postala nestabilna;
(i) assistance in acquiring a credit institution which has become unbalanced;
(ii) prenosom vlog in ustreznega premoženja, vključno s poslovnimi področji, na premostitveno kreditno institucijo;
(ii) a transfer of deposits and of corresponding assets, including business sectors, to a bridging credit institution;
(iii) prisilno združitvijo z drugimi kreditnimi institucijami;
(iii) an enforced merger with other credit institutions;
(h) „ciljna raven“ pomeni 1,5 %
(h) ‘target level’ means 1.5 % of
vlog, za kritje katerih je pristojen sistem zajamčenih vlog;
deposits which a Deposit Guarantee Scheme is responsible for covering;
z nizkim tveganjem s preostalim časom do končne zapadlosti 24 mesecev ali manj
with a residual term to final maturity of 24 months or less
, in v vrednosti do 10 % zastavljenih sredstev
and up to 10 % of pledged assets
– zavarovanje sestavljajo sredstva z nizkim tveganjem, ki jih ne ovirajo kakršne koli pravice tretje strani in so na voljo izključno sistemu zajamčenih vlog, ki ima neodtujljivo pravico, da zahteva ta plačila;
- the collateral consists of low risk assets unencumbered by any third party rights, at the free disposal, and earmarked for the exclusive use of the Deposit Guarantee Scheme, which has the irrevocable right to claim these payments on demand;
– za zavarovanje se uporabi normalna metoda tekoče izpostavljenosti, kreditne institucije pa bodo zagotovile, da je tržno vrednotenje zavarovanja najmanj enako obveznostim te kreditne institucije do sheme; in
- the collateral is subject to regular mark-to-market analysis, and credit institutions will ensure that the mark-to-market valuation of collateral is at least equal to that credit institution's commitment to the scheme; and
– pri vrednotenju temeljnih sredstev se uporabijo odbitki, sistem zajamčenih vlog pa zahteva vzdrževanje tržne vrednosti temeljnih sredstev po odbitku.
- ‘valuation haircuts’ are applied in the valuation of underlying assets and the Deposit Guarantee Scheme requires the ‘haircut-adjusted’ market value of the underlying assets to be maintained over time;
To ne izključuje
This shall not preclude
vzpostavitve s strani držav članic ali
the establishment of cross-border Deposit Guarantee Schemes by Member States or
združitve sistemov iz različnih držav članic
the merger of schemes of different Member States
prek njih
by them
Pristojni nacionalni nadzorni organ v sodelovanju z Evropskim bančnim organom odobri tak čezmejni sistem zajamčenih vlog.
Approval of such cross-border or merged Deposit Guarantee Schemes shall be obtained from the competent authorities in cooperation with EBA.
Pri priznavanju in potrjevanju sistemov zajamčenih vlog mora zadevni pristojni organ posebej paziti na zadostno stabilnost sistemov zajamčenih vlog v zvezi s pridruženimi kreditnimi institucijami in zagotoviti uravnoteženo sestavo članstva.
When recognising and approving Deposit Guarantee Schemes, the relevant competent authority shall pay particular attention to the stability of the Deposit Guarantee Scheme and shall ensure its membership is balanced.
Če kreditna institucija ne izpolnjuje svojih obveznosti članice sistema zajamčenih vlog, so o tem obveščeni pristojni organi, ki so ji izdali dovoljenje; le-ti skupaj
If a credit institution does not comply with the obligations incumbent on it as a member of a Deposit Guarantee Scheme, the competent authorities which issued its authorization shall be notified and, in collaboration with the
z jamstvenim
guarantee scheme
Če kreditna institucija ne izpolnjuje svojih obveznosti članice sistema zajamčenih vlog, so o tem
If a credit institution does not comply with the obligations incumbent on it as a member of a Deposit Guarantee Scheme, the competent authorities which issued its authorization shall be notified
obveščeni pristojni organi, ki so ji izdali dovoljenje; le-ti skupaj
and, in collaboration with the
storijo vse potrebno, vključno z izrekom
take all appropriate measures including the imposition of
, da bi zagotovili izpolnjevanje obveznosti kreditne institucije.
to ensure that the credit institution complies with its obligations.
redno nadzirajo skladnost vseh sistemov zajamčenih vlog iz člena 1 s to direktivo.
All Deposit Guarantee Schemes referred to in Article 1 shall be supervised
Nadzor čezmejnih sistemov zajamčenih vlog opravlja Evropski bančni organ ob sodelovanju kolegija, sestavljenega iz predstavnikov pristojnih organov posameznih matičnih držav pridruženih kreditnih institucij.
Supervision of cross-border Deposit Guarantee Schemes shall be exercised by EBA, in cooperation with a body composed of representatives of the competent authorities of the countries where the affiliated credit institutions are based.
so alternativne metode, ki jih v skladu s členom 11(3a) sprejemejo sistemi zajamčenih vlog, skladni z določbami iz tega člena in s smernicami, ki jih v skladu s členom 11(5) pripravi Evropski bančni organ, da
that the alternative methods adopted by Deposit Guarantee Schemes under Article 11(3a) comply with the provisions of that Article and with the guidelines adopted by EBA pursuant to Article 11(5),
sistemi zajamčenih vlog redno preverjajo svoje mehanizme delovanja in se jih
that Deposit Guarantee Schemes perform tests of their systems and that they are informed
obvesti, če pristojni organi v kreditni instituciji opazijo težave, ki bi lahko povzročile intervencijo sistema zajamčenih vlog.
in the event that the competent authorities detect problems in a credit institution that are likely to give rise to the intervention of Deposit Guarantee Schemes.
Evropski bančni organ usklajuje ukrepe držav članic.
EBA shall coordinate the actions of the Member States.
Taka preverjanja se opravijo najmanj na vsaka tri leta oziroma
Such tests shall take place at least every three years or
kadar to zahtevajo okoliščine.
when the circumstances require it.
Evropski bančni organ Evropskemu odboru za sistemska tveganja, ustanovljenem z Uredbo (EU) št. 1092/2010 Evropskega parlamenta in Sveta
EBA shall forward to the European Systemic Risk Board established by Regulation (EU) No 1092/2010 of the European Parliament and of the Council
, na lastno pobudo ali na pobudo tega odbora posreduje informacije o sistemih zajamčenih vlog, potrebne za analizo sistemskega tveganja.
(ESRB), on its own initiative or at the request of the ESRB, the information concerning Deposit Guarantee Schemes which is needed for systemic risk analysis.
medsebojne strokovne preglede v skladu s
conduct peer reviews pursuant to
Sistemi zajamčenih vlog so pri izmenjavanju podatkov z Evropskim bančnim organom zavezani k poklicni skrivnosti iz
Deposit Guarantee Schemes shall be bound to professional secrecy referred to in
člena 56 navedene
Article 56
vsaj vsakih pet let
, at least every five years,
členom 30 Uredbe (EU) št. 1093/2010
Article 30 of Regulation (EU) No 1093/2010
Obseg takšnih pregledov zajema prakse upravljanja podjetja iz odstavka 7a.
The scope of such peer reviews shall include corporate governance practices under paragraph 7a.
člena 70 te
Article 70
V tem kontekstu test izjemnih situacij temelji na scenariju z majhnim vplivom, scenariju s srednjim vplivom in scenarij z velikim vplivom.
In this context the stress resistance test shall be based on a low-impact, a medium-impact and a high-impact following scenario.
Prejeti podatki se lahko uporabijo le za opravljanje testov izjemnih situacij ali pripravo izplačil in
The information obtained may only be used for the performance of stress tests or the preparation of repayments and shall be kept
se ne smejo zadržati dlje, kot je to potrebno za omenjena namena
no longer than is necessary for those purposes
Prejeti podatki se lahko uporabijo le za opravljanje testov izjemnih situacij
The information obtained may only be used for the performance of stress tests
, analizo zgodovinskega razvoja odpornosti sistemov zajamčenih vlog
, for analysis of the historical evolution of Deposit Guarantee Schemes resilience
pripravo izplačil in
the preparation of repayments and shall be kept
Države članice zagotovijo, da imajo njihovi sistemi zajamčenih vlog zanesljive prakse upravljanja podjetja, da:
Member States shall ensure that their Deposit Guarantee Schemes have sound corporate governance practices in place and, in particular, that:
(a)njihovi organi vključijo najmanj enega neizvršnega člana, postopki imenovanja pa so odprti in pregledni;
(a) their boards include at least one non-executive member and have open and transparent appointment processes;
(b) pripravijo letno poročilo o svojih dejavnostih.
(b) they produce an annual report on their activities.
(c) vloge, povezane s transakcijami, na podlagi katerih so bile osebe v kazenskem postopku obsojene zaradi pranja denarja v smislu
(c) deposits arising out of transactions in connection with which there has been a criminal conviction for money laundering as defined in
člena 1 (C) Direktive Sveta 91/308/EGS
Article 1 (C) of Council Directive 91/308/EEC
člena 1(2) Direktive 2005/60/ES Evropskega parlamenta in Sveta z dne 26. oktobra 2005 o preprečevanju uporabe finančnega sistema za pranje denarja in financiranje terorizma
Article 1(2) of 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
imenovani v smislu člena 3(1) Direktive 91/308/EGS,
been identified pursuant to Article 3(1) of Directive 91/308/EEC,
ko so te postale nerazpoložljive,
when they have become unavailable,
(f) vloge, katerih lastniki niso bili imenovani v smislu člena 3(1) Direktive 91/308/EGS,
(f) deposits the holder of which has been identified pursuant to Article 3 (1) of Directive 91/308/EEC
razen vlog v zasebnih pokojninskih sistemih ali sistemih poklicnega pokojninskega zavarovanja delodajalca, ki ni veliko podjetje;
except those held in personal pension schemes or in occupational pension schemes of an employer that is not a large company;
(j) vloge organov
(j) deposits by authorities
državnih ter centralnih, regionalnih in lokalnih upravnih
the State and by central, regional and local
(a) ne zaposlujejo rutinsko poklicnega blagajnika ali
(a) they do not routinely employ a professional treasurer; or