natgillin/translations-raw huggingface dataset:
SEPA, given its user-oriented nature, should be seen as an opportunity to improve the quality and efficiency of payment services by reducing costs.
– vse s provizijami povezane omejitve čezmejnega pridobivanja v euroobmočju: vsa pravila, ki zmanjšujejo koristi čezmejnega pridobivanja, in s tem spodbude zanj, je treba odpraviti;
To ensure the dynamism of the European card market, European payments need to retain their competitive edge, and a forward-looking approach must be adopted.
– „spajanje“ provizij kartičnih shem, ki jih banke pridobiteljice zaračunavajo trgovcem (kar pomeni ponudbe za pridobitev transakcij pod različnimi blagovnimi znamkami oz. shemami nasproti enotni proviziji (v paketu)).
Competition would contribute in terms of reaching these objectives, and would take place at three levels: between card schemes; between issuing and acquiring banks; and in processing card payments.
Ta ukrep prikriva razlike v provizijah med shemami in s tem ovira konkurenco;
The current uncertainty with respect to how interchange fees will evolve in the future is considered by banks and schemes to be one of the main factors delaying SEPA-related decisions and hampering the completion of business proposals.
Sedanja negotovost glede prihodnjega razvoja medbančnih provizij je po mnenju bank in shem eden glavnih dejavnikov, ki povzroča zamude pri odločanju o SEPA in ovira dokončanje poslovnih predlogov.
The Commission issued the Sector Inquiry Report on cards, which dealt mainly with interchange fees, and gave the general impression that an abolition of interchange fees could be envisaged.
Komisija je izdala poročilo o raziskavi panoge kartičnih shem, ki je v glavnem obravnavalo medbančne provizije in pustilo splošen vtis, da bi jih bilo mogoče odpraviti.
The Eurosystem would like to invite the Commission to announce as soon as possible its policy with regard to interchange fees.
Če bo ta politika bistveno odstopala od sedanjih razmer, se od Komisije pričakuje, da bo zagotovila ustrezno prehodno obdobje, da proces prilagajanja ne bi povzročil motenj na trgu.
In case this policy substantially differs from current conditions, the Commission is invited to provide appropriate
Prav tako je nujno, da evropski in nacionalni organi za varstvo konkurence čimprej uskladijo svoje odločitve, kar še zlasti pomeni, da sprejmejo koherentno stališče za celotno euroobmočje.
– the “blending” of card scheme fees applied by acquirers to merchants (meaning the offer to acquire transactions under different brands/schemes against a single (package) merchant service commission).This measure conceals fee differentiations between schemes, and thus hampers competition;
Usklajene in primerne varnostne zahteve so potrebne za enoten proces ocene varnosti. Dve težavi, s katerima se bo morala soočiti tako nova evropska kartična shema kot tudi sedanje nacionalne sheme v okolju SEPA, sta pokritje celega euroobmočja ter vzpostavitev mreže za obdelavo transakcij.
– the prohibition on merchants to surcharge payments by cards if the latter are more costly than other instruments;
Pogodbene obveznosti med bankami in kartičnimi shemami, ki zahtevajo uporabo določenega kanala, bi bilo treba odpraviti.
– the application of an “honour all cards” rule to merchants (making it compulsory to accept all schemes of a given card brand).
Vse stranke morajo imeti možnost, da sodelujejo pri oblikovanju in izbiri standardov, rezultat pa mora biti zavezujoč za vse, če naj se zagotovi, da bodo standardi, še zlasti v fazi terminal-banka pridobiteljica, zadovoljevali potrebe vseh udeležencev, predvsem trgovcev in imetnikov kartic.
At the same time, other fraud prevention measures need to be pursued in a centrally coordinated way, targeting other types of fraud than those tackled by EMV (such as fraud on card-not-present transactions).
način ob usmeritvi na tiste vrste zlorab, s katerimi se ne ukvarja Evropski svet za plačila (kot so goljufije pri transakcijah brez prisotnosti kartic).
MONITORING CARD PAYMENT PRICES
SPREMLJANJE CEN KARTIČNIH PLAČIL državami članicami.
As explained above, there is a non-negligible risk that the solutions chosen by banks to comply with SEPA could lead to price increases.
Glede odtoka podatkov iz EU evropski okvir načeloma dovoljuje prenose samo v tiste tretje države, ki jamčijo za ustrezno raven varovanja, primerljivo s standardi , ki se uporabljajo v EU.
This risk is more acute for merchant fees, but it also concerns scheme membership fees and possibly cardholder fees too.
Prenosi v tretje države, ki ne jamčijo za ustrezno raven varovanja, so vseeno možni, če se podpiše ustrezna pogodba ali sprejme zavezujoč kodeks ravnanja (npr. zavezujoča podjetniška pravila).
Merchants have alerted the ECB and the Commission to such a development, as there have already been cases of interchange fee increases following the shift of some national card scheme markets to international card schemes.
Kljub temu bi se bilo prenosu neagregiranih podatkov izven EU za statistične ali trženjske namene treba izogibati.
Such a development would certainly stigmatise the SEPA project in the eyes of the public.
Prav tako bi bilo treba upoštevati nevarnost izgube ugleda zaradi prenosov podatkov izven EU, saj takšna tveganja lahko ogrozijo zaupanje uporabnikov v kartična plačila.
SEPA should not present an opportunity for price increases, nor should the quality of service deteriorate.
Zato je treba jasno opredeliti pogoje, po katerih je organiziran prenos podatkov izven EU.
Card payments contain personal data, a topic that is extensively protected by EU legislation.
Kot je pojasnjeno zgoraj, obstaja resno tveganje, da bodo rešitve, ki jih bodo izbrale banke za uskladitev s SEPA, povzročile podražitve.
The EU has set up a legal framework enabling both the protection of personal data and the free circulation of such data among Member States, by means of the adoption of Directives 95/46/EC and 2002/58/EC.
Tveganje je toliko resnejše, ko gre za provizije, ki jih plačujejo trgovci, vendar zadeva tudi članarine v shemah in po vsej verjetnosti tudi provizije, ki jih plačujejo imetniki kartic.
With regard to data flowing outside the EU, the European framework in principle only allows transfers to third countries that guarantee an adequate level of protection which corresponds to the standards applicable within the EU.
Trgovci so o tem obvestili ECB in Komisijo, ker je že prišlo do povečanj medbančnih provizij po prestopu nekaterih nacionalnih trgov od nacionalnih na mednarodne kartične sheme.
Transfers to third countries that cannot guarantee an adequate level of protection may nevertheless be possible by way of a contract or via the adoption of a binding code of conduct (e.g. binding corporate rules).
Takšen razvoj dogodkov bi projekt SEPA v očeh javnosti nedvomno stigmatiziral.
However, the transfer outside the EU of nonaggregated data for statistical purposes or for marketing purposes should be avoided.
SEPA ne bi smela biti priložnost za zvišanje cen, kot tudi ne bi smela poslabšati kakovost storitev.
Reputational risks linked to data transfers outside the EU should also be taken into account, as these could jeopardise the confidence of users in card payments.
Preprečevanje zlorab je ena bistvenih nalog pri gradnji SEPA; pri tem je še zlasti pomembno, da se število zlorab med državami euroobmočja zmanjša na raven znotraj teh držav.
The conditions under which the transfer of data outside the EU is organised have to be clarified.
Zlorabe zvišujejo provizije za kartična plačila in lahko ogrozijo celo sprejemljivost instrumenta samega, zato je boj proti zlorabam povezan z zanesljivostjokartickotplačilnih instrumentov.
Statistics on card fees could also help banks to respond to a possible asymmetry in users’ perception of the evolution of card fees (i.e. they are more likely to detect price increases than price decreases).
Statistični podatki o kartičnih provizijah bi bankam obenem omogočili, da se odzovejo na morebitno asimetrijo v zaznavah komitentov na razvoj kartičnih provizij (tj. komitenti bodo bolj verjetno zaznali podražitve kot pocenitve).
The Eurosystem will investigate with stakeholders the feasibility of computing such figures in the future.
Eurosistem bo pri zainteresiranih strankah preučil izvedljivost izračunavanja takšnih podatkov v prihodnje.
Combating fraud is crucial for the building of SEPA; in particular, differences in fraud levels between transactions within and between euro area countries need to disappear.
Evropski svet za plačila je odobril uvedbo EMV in migracijski postopek je bil optimiziran za lažjo izvedbo.
In view of the above, a SEPA-compliant card scheme is one that complies with the provisions of the SCF and takes into consideration the following needs:
Glede na zgoraj naštete dejavnike, je kartična shema skladna s SEPA, če spoštuje določila okvira delovanja SCF in upošteva naslednje zahteve:
The EPC has agreed to implement EMV and the migration procedure has been streamlined.
Ob tem je treba zagotoviti, da se EMV uporablja na enoten način in da programski dodatki in posodobitve, ki se uporabljajo na nacionalni ravni, ne ovirajo interoperabilnosti.
However, it needs to be ensured that EMV is applied in a uniform way and that add-ons and updates operated at national level do not distort interoperability.
Poleg soglasja za uvedbo EMV bi moral EPC oblikovati tudi jasno strategijo za preprečevanje zlorab s posebnim poudarkom na zmanjšanju števila čezmejnih zlorab na raven zlorab na nacionalni ravni.
– to have a single interchange fee (if any) for the whole euro area within a given brand;
– v okviru določene blagovne znamke ima eno samo (če sploh kakšno) medbančno provizijo za celotno euroobmočje;
– to define and publicly disclose a medium to long-term strategy which is consistent with the long-term objectives of the SEPA project;
– oblikuje in objavlja srednje- do dolgoročno strategijo, ki je skladna z dolgoročnimi cilji projekta SEPA;
– to disclose interchange fees and their calculation methodology, and to submit them, if possible, to the relevant authorities;
– medbančne provizije in metode njihovega izračunavanja objavlja ter jih, če je mogoče, posreduje ustreznim organom;
– to separate effectively card scheme management and processing services, without any possibility for crosssubsidisation or other practices that would give an advantage to own processing services; n u l l
– učinkovito ločuje upravljanje kartične sheme od storitve obdelave plačil brez možnosti navzkrižnega subvencioniranja ali drugih praks, ki bi lahko dajale prednost njeni lastni enoti za obdelavo plačil;
EXTENSION OF THE TRANSITION PERIOD LAID DOWNIN THE ECB BANKNOTE RECYCLING FRAMEWORK FOR SIX EURO AREA COUNTRIES
PODALJŠANJE PREHODNEGA OBDOBJA, DOLOČENEGA V OKVIRU DELOVANJA ZA RECIKLIRANJE BANKOVCEV ECB, ZA ŠEST DRŽAV EUROOBMOČJA
Pursuant to a decision of the Governing Council, the above-mentioned transition period has therefore been extended to expire:
V skladu z odločitvijo Sveta ECB se prej omenjeno prehodno obdobje podaljša tako, da se izteče:
– by the end of 2010 in Greece, Spain, Ireland, Italy and Portugal.
– do konca leta 2010 v Grčiji, Španiji, na Irskem, v Italiji in na Portugalskem.
The Framework for the detection of counterfeits and fitness sorting by credit institutions and other professional cash handlers (the ‘Framework’), adopted in December 2004 and published on the ECB’s website1, provides for a transition period for credit institutions and other professional cash handlers to adapt procedures and existing machines in operation and thus to comply with the Framework.
Okvir delovanja za odkrivanje ponaredkov in razvrščanje eurobankovcev v kreditnih institucijah in drugih profesionalnih uporabnikih gotovine glede na primernost bankovcev za uporabo v obtoku (v nadaljevanju »okvir delovanja«), sprejet decembra 2004 in objavljen na spletni strani ECB1, določa prehodno obdobje za kreditne institucije in druge profesionalne uporabnike gotovine, ki jim bo omogočilo, da prilagodijo postopke in obstoječe delujoče naprave zahtevam, določenim v okviru delovanja.
This transition period will expire no later than the end of 2007.
To prehodno obdobje se bo izteklo najpozneje do konca leta 2007.
In the 2006 progress report on implementation of the Framework, the ECB Governing Council noted that due to specific issues affecting the cash-handling infrastructure and the scope of cash-handling in six euro area countries credit institutions and professional cash handlers would be unable to fully adjust existing banknote handling machines and related working procedures by the end of 2007.
Svet ECB je leta 2006 v poročilu o napredku pri izvajanju okvira delovanja ugotovil, da zaradi posebnih okoliščin, povezanih z infrastrukturo za obdelavo gotovine in obsegom obdelave gotovine, kreditne institucije in drugi profesionalni uporabniki gotovine v šestih državah euroobmočja do konca leta 2007 ne bodo mogli popolnoma uskladiti obstoječih naprav za obdelavo gotovine in z njimi povezanih delovnih postopkov.
ECBExtension of the transition period laid down in the ECB Banknote Recycling Framework for six euro area countries December 2006
ECBPodaljšanje prehodnega obdobja, določenega v okviru delovanja za recikliranje bankovcev ECB, za šest držav euroobmočja December 2006
PROCEDURES FOR EUROSYSTEM COUNTERPARTIES
POSTOPKI ZA NASPROTNE STRANKE V EUROSISTEMU
PROCEDURES FOR EUROSYSTEM COUNTERPARTIES
POSTOPKI ZANASPROTNE STRANKEV EUROSISTEMU
In 2005 all ECB publications will feature a motif taken from the 50 banknote.
Vletu 2005 bo na publikacijah ECB motiv z bankovca za 50 eurov.
Address Kaiserstrasse 2960311 Frankfurt am Main Germany
Naslov Kaiserstrasse 29D-60311 Frankfurt na Majni Nemčija
Postal address Postfach 16031960066 Frankfurt am Main Germany
Poštni naslov Postfach 16 03 19D-60066 Frankfurt na Majni Nemčija
Reproductionfor educational and non-commercialpurposes is permitted provided thatthe source is acknowledged.
Razmnoževanje v izobraževalne in nekomercialne namene je dovoljeno ob navedbi vira.
LEGAL FRAMEWORK
3 PRAVNI OKVIR
STATISTICS ON THE USE OFCROSS-BORDER COLLATERAL
STATISTIČNI PODATKI O UPORABI ČEZMEJNEGAZAVAROVANJA
ANNEX 1SUMMARY OF LEGAL INSTRUMENTSUSED IN THE EU
PRILOGA 1 POVZETEK PRAVNIH INSTRUMENTOV, KI SE UPORABLJAJO V EU
ANNEX 2TRANSFER OF OWNERSHIP TO OR PLEDGEIN FAVOUR OF THE HCB(NON-MARKETABLE TIER TWO ASSETS)
PRILOGA 2PRENOS LASTNIŠTVA OZ. ZASTAVA V KORISTDOMAČE CENTRALNE BANKE (NETRŽNO FINANČNOPREMOŽENJE Z LISTE 2)
ANNEX 3TRANSFER OF FULL TITLE TO THE CCB FORITS OWN ACCOUNT(NON-MARKETABLE TIER TWO ASSETS)The French variant The Irish variant The Dutch variant
Francoska različica Irska različica Nizozemska različica
ANNEX 4TABLE OF TYPES OF FOREIGN SECURITIESHELD IN SSSs AS OF APRIL 2005
PRILOGA 4PREGLEDNICA TIPOV TUJIH VREDNOSTNIH PAPIRJEV, KI SE NAHAJAJO V SISTEMIH PORAVNAVE POSLOV ZVREDNOSTNIMI PAPIRJI (SSS) OD APRILA 2005
ANNEX 5CCBM TECHNICALITIES
PRILOGA 5TEHNIČNE PODROBNOSTI MODELA CCBM
At the beginning of Stage Three of EMU, the Eurosystem introduced the correspondentcentral banking model (CCBM) in order toensure that all assets eligible for use either inmonetary policy operations or to obtainliquidity in TARGET were available to all itscounterparties, regardless of where the assetsor the counterparty were situated.
Povezave, za katere je Svet Evropske centralne banke (ECB) presodil, da so ustrezne za uporabo v kreditnih operacijah Eurosistema, predstavljajo ustrezno alternativo modelu CCBM.
This brochure addresses the Eurosystem’scounterparties and other market participantsinvolved in CCBM procedures. It gives ageneral outline of how the CCBM works and ofits main features.2 Eurosystem counterpartiesmay obtain further detailed information fromthe national central banks (NCBs) of the Eurosystem.
Na začetku tretje faze ekonomske in monetarne unije (EMU) je Eurosistem uvedel korespondenčni centralnobančni model (correspondent central banking model – CCBM), katerega namen je zagotoviti, da je vse finančno premoženje, ustrezno za uporabo v operacijah denarne politike ali za pridobivanje likvidnosti v sistemu TARGET, na voljo vsem nasprotnim strankam, ne glede na to, kje v Eurosistemu se to premoženje ali nasprotna stranka nahajata.
Since the implementation of the CCBM in January 1999, the Eurosystem has made effortsto improve the model’s service level.
Vse od uvedbe CCBM januarja 1999 si Eurosistem prizadeva izboljšati raven storitev modela.
Despite these efforts, however, the centralbanks of the Eurosystem still favour thedevelopment of market solutions for the crossborder use of collateral.1
Ta brošura je namenjena nasprotnim strankam Eurosistema in drugim udeležencem na trgu, ki sodelujejo v postopkih CCBM. Podaja splošen opis delovanja modela CCBM in njegove glavne lastnosti2.
The CCBM is indeed a medium-term solutiondesigned to facilitate the crossborder use ofcollateral until adequate market solutionsbecome available throughout the euro area/European Union.
CCBM je pravzaprav srednjeročna rešitev, ki naj bi omogočala uporabo čezmejnega zavarovanja, dokler ne bodo tržne rešitve dostopne celotnemu euroobmočju/Evropski uniji.
1Such arrangements will be used by the Eurosystem for monetarypolicy purposes and by the central banks of the EU for intradaycredit operations in TARGET, provided that:–they meet the requirements set out in the report entitled“Standards for the use of securities settlement systems in the ESCB credit operations”, published by the European Monetary Institute (EMI) in January 1998; and–they comply with other operating requirements which stemfrom monetary policy operations (i.e. some functions thatare carried out by the correspondent central bank may need tobe carried out by another entity, depending on the solutionproposed).2The CCBM is also available to counterparties of Danmarks Nationalbank, Sveriges Riksbank and the Bank of England.These counterparties should contact their local central bank fora description of the procedures governing the use of the CCBMin their country as such procedures might differ slightly fromthose described in this document.
1 Takšne rešitve bo Eurosistem uporabljal za namene denarne politike, centralne banke EU pa za posojila za čez dan v eurih v sistemu TARGET, če:– izpolnjujejo zahteve iz dokumenta „Standards for the use of securities settlement systems in the ESCB credit operations“, ki ga je januarja 1998 objavil Evropski monetarni inštitut (EMI) in– so skladne z drugimi operativnimi zahtevami, ki izhajajo iz izvajanja denarne politike (npr. nekatere naloge, ki jih izvaja korespondenčna centralna banka, bo moral glede na predlagano rešitev opravljati drug subjekt).2 Model CCBM je na voljo tudi nasprotnim strankam Bank of England, Danmarks Nationalbank in Sveriges Riksbank. Te nasprotne stranke naj se za opis postopkov za uporabo CCBM v njihovi državi obrnejo na svojo lokalno centralno banko, ker se lahko postopki nekoliko razlikujejo od teh, opisanih v brošuri.
Where the Governing Council of the European Central Bank (ECB) has deemed these links eligiblefor use in Eurosystem credit operations, theyrepresent a valid alternative to the CCBM.
V Evropi so na področju poravnave poslov z vrednostnimi papirji v zadnjem času potekali intenzivni integracijski procesi, katerih prednosti bo mogoče v celoti izkoristiti šele na srednji in dolgi rok. Poleg tega so že nekaj
HOW THE CCBM WORKS with the “issuing” SSS (i.e. the SSS in whichthe securities have been issued and deposited)for the collateral to be transferred to an accountmaintained by the local NCB, in general thecentral bank of the country where the SSS islocated.
KAKO CCBM DELUJE poravnave poslov z vrednostnimi papirji, v katerem so bili vrednostni papirji izdani in deponirani, urediti prenos finančnega premoženja na račun lokalne NCB, ki je običajno centralna banka države, kjer se SSS nahaja.
The local NCB will then hold thecollateral on behalf of the central bank grantingthe credit (the HCB) and thus act as acorrespondent central bank (CCB).
Korespondenčna NCB nato drži zavarovanje v imenu centralne banke, ki odobri posojilo (domača centralna banka) in tako deluje kot korespondenčna centralna banka (correspondent central bank – CCB).
Counterparties to the monetary policyoperations of the Eurosystem and participantsin TARGET can only obtain credit from thecentral bank of the country in which they arebased – their home central bank (HCB).However, through the CCBM, they can usecollateral issued (i.e. registered or deposited)in other countries.
Nasprotne stranke, udeležene v operacijah denarne politike Eurosistema, in udeleženci sistema TARGET lahko pridobijo posojilo le od centralne banke države, kjer imajo sedež – svoje domače centralne banke (home central bank – HCB). Prek modela CCBM pa lahko kot zavarovanje uporabijo finančno premoženje, ki je izdano (tj. vpisano ali deponirano) v drugih državah.
To do so, they must arrange
Za to morajo s pomočjo sistema
A Spanish bank wishes to obtain credit from the Banco de España (the Spanish central bank) onthe basis of collateral that it holds in the Italian central securities depository (Monte Titoli).
Španska banka želi pridobiti posojilo od Banco de España (centralne banke Španije) na podlagi svojega finančnega premoženja, ki je vknjiženo pri italijanski centralni depotni družbi (central securities depository – CSD), Monte Titoli.
Step 1 – The Spanish bank contacts the Banco de España (the HCB), requesting the credit andstating that it intends to use the CCBM to mobilise collateral that it holds in Italy.
1. korak – Španska banka vzpostavi stik z Banco de España (domačo centralno banko), zaprosi za posojilo in navede, da namerava uporabiti CCBM na podlagi finančnega premoženja, ki je locirano v Italiji.
Step 2 – On the basis of the information provided by the counterparty, the Banco de Españasends a CCBM message to the Banca d’Italia (the Italian central bank) requesting that it receive Italian securities from the counterparty on its behalf.
2. korak – Na podlagi informacij nasprotne stranke Banco de España pošlje sporočilo CCBM italijanski centralni banki Banca d’Italia in jo zaprosi, naj v njenem imenu sprejme italijanske vrednostne papirje nasprotne stranke.
At the same time, the counterparty issuesinstructions for the collateral to be transferred (or instructs its custodian in Italy to transfer it)to an account managed by the Banca d’Italia at Monte Titoli.
Hkrati nasprotna stranka izda navodila za prenos vrednostnih papirjev (ali opravi prenos prek svojega skrbnika v Italiji) na račun, ki ga Banca d’Italia vodi pri Monte Titoli.
In this example, therefore, the Banca d’Italia acts as the CCB for the Banco de España, the HCB.
V tem primeru torej Banca d’Italia deluje kot korespondenčna centralna banka za domačo centralno banko Banco de España.
Step 3 – Once the Banca d’Italia has received the Banco de España’s CCBM message, it takesall the necessary action to ensure that the collateral arrives at its account at Monte Titoli(e.g. matching).
3. korak – Ko Banca d’Italia prejme sporočilo CCBM španske Banco de España, poskrbi za to, da se vrednostni papirji prenesejo na njen račun pri Monte Titoli (opravi npr. primerjalno preverjanje).
In the meantime the counterparty (or its custodians) delivers the collateral tothe Banca d’Italia account according to Monte Titoli’s delivery procedures.
Medtem nasprotna stranka (ali njen skrbnik) v skladu s pravili delovanja Monte Titoli dostavi vrednostne papirje na račun italijanske Banca d’Italia.
Step 4 – If settlement is successful, Monte Titoli sends a confirmation message to the Bancad’Italia.
4. korak – Če je poravnava uspešna, Monte Titoli pošlje sporočilo o potrditvi italijanski Banca d’Italia.
Step 5 – As soon as the Banca d’Italia receives the confirmation message from Monte Titoli itcarries out certain internal procedures (for example finding the price of the assets).
5. korak – Takoj ko Banca d’Italia prejme sporočilo o potrditvi, sproži določene interne postopke (na primer ugotavljanje cene finančnega premoženja).
It thensends a notification of receipt to the Banco de España.
Nato pošlje obvestilo o prejemu španski Banco de España.
The Banca d’Italia holds the securitieson behalf of the Banco de España, thus in effect acting as its custodian.
Banca d’Italia drži vrednostne papirje v imenu Banco de España in tako deluje kot njen skrbnik.