natgillin/translations-raw huggingface dataset:
Current rules should be strengthened to ensure proper and reliable information is provided to supervisors, investors and the general public on the way financial markets operate.
Okrepiti je treba veljavna pravila, da se nadzornim organom, vlagateljem ter splošni javnosti zagotovijo primerne in zanesljive informacije o načinu delovanja finančnih trgov.
Regulators should also have the appropriate tools to ensure the oversight of the sector.
Regulativni organi bi morali imeti ustrezna orodja za zagotavljanje pregleda nad sektorjem.
The following initiatives aim to achieve this.
Doseganje tega je cilj spodaj opisanih pobud.
AIFM Directive proposal assets to return to the lender.
Predlog direktive UAIS enaka sredstva za povračilo posojilodajalcu.
If the underlying asset falls in value during this process, the investor makes a profit.
Če v tem obdobju vrednost osnovnega sredstva pade, ima vlagatelj dobiček.
While this practice can bring liquidity to markets, it also entails risks.
Medtem ko lahko ta praksa na trg vnese likvidnost, pa vključuje tudi tveganja.
The Commission intends to propose increased transparency to derivative markets and giving regulators more and harmonized powers to limit those risks that can affect the whole financial system.
Komisija namerava predlagati večjo preglednost na trgih z izvedenimi finančnimi instrumenti ter regulativnim organom podeliti večja in bolj usklajena pooblastila za omejitev tveganj, ki lahko vplivajo na celotni finančni sistem.
Alternative Investment Fund Managers (AIFM) encompass hedge funds or private equity firms that raise finance to invest in operating companies according to more or less risky or high-yield investment strategies.
Komisija zato predlaga, da kliring standardnih pogodb na izvedene finančne instrumente izvajajo centralne klirinške stranke z namenom zmanjšanja tveganja, če ena stran ne izpolnjuje obveznosti.
They can be largely beneficial for the markets in which they operate.
Poleg tega se morajo informacije o vseh evropskih transakcijah sporočiti registrom trgovanja in morajo biti dostopne nadzornim organom.
Yet, their activities may also spread and increase risk throughout the financial system.
Upravitelji alternativnih investicijskih skladov (UAIS) vključujejo hedge sklade ali zasebne kapitalske družbe, ki zbirajo finančna sredstva za vlaganje v delujoča podjetja v skladu z bolj ali manj tveganimi ali visoko donosnimi naložbenimi strategijami.
To prevent this, the Commission wants to ensure common rules are in place to monitor the potential risks for investors, counterparties, other market participants and overall financial stability.
Za trge, na katerih delujejo, so lahko zelo koristni.
Alternative investment fund managers will have to comply with a comprehensive set of criteria before being granted access to EU markets.
Njihove dejavnosti pa lahko kljub temu tudi širijo in povečujejo tveganje v celotnem finančnem sistemu.
The Commission is therefore proposing that standard derivative contracts are cleared through central clearing parties (CCPs) to reduce the risk if one party defaults.
Da bi se to preprečilo, želi Komisija zagotoviti vzpostavitev skupnih pravil za nadzor potencialnih tveganj za vlagatelje, nasprotne stranke, druge udeležence na trgu in splošno finančno stabilnost.
In addition, information on all European transactions should be reported to trade repositories and be accessible to supervisory authorities.
Upravitelji alternativnih investicijskih skladov bodo morali izpolnjevati obširen sklop meril, preden se jim bo omogočil dostop do trgov EU.
A derivative is a financial contract between two parties linked to the future value or status of the underlying to which it refers (e.g. the development of interest rates, or of a currency value, or the possible bankruptcy of a debtor).
Izvedeni finančni instrument je finančna pogodba med dvema stranema, ki je povezana s prihodnjo vrednostjo ali statusom ene od navedenih možnosti, na katero se nanaša (npr. razvoj obrestnih mer, vrednosti valute ali mogočega stečaja dolžnika).
They come in many different kinds and include credit default swaps (CDS) that cover the purchaser if a specific debtor or credit instrument defaults.
Obstaja več vrst izvedenih nanč-nih instrumentov, pri čemer vključujejo zamenjave kreditnega tveganja, ki krijejo kupca, če posamezen dolžnik ali kreditni instrument ne izpolnjujeta obveznosti.
The Markets in Financial Instruments Directive was adopted in 2004 to increase competition and consumer protection in investment services.
Prodaja na kratko vključuje prodajo sredstev, kot so izvedeni finančni instrumenti, izposojenih od tretje strani, da bi se pozneje ponovno kupila
The Commission now wants to go a step further by ensuring more transparency in the trading of financial instruments (what price was paid for which asset and when) and better consolidation of market and trading data.
Direktiva o trgih finančnih instrumentov je bila sprejeta leta2004, da bi se pri investicijskih storitvah povečala konkurenčnost in varstvo potrošnikov.
This will allow regulators and market participants, such as investors, issuers of securities or investment firms, to have a more accurate overview of the way different instruments trade across Europe.
Komisija želi zdaj narediti nadaljnji korak za zagotovitev večje preglednosti pri trgovanju s finančnimi instrumenti (kakšna cena je bila plačana za neko sredstvo in kdaj) ter boljšo konsolidacijo podatkov o trgu in trgovanju.
Short selling involves selling assets, such as derivatives, that have been borrowed from a third party with the aim of later repurchasing identical
S tem se bo regulativnim organom in udeležencem na trgu, kot so vlagatelji, izdajatelji vrednostnih papirjev ali investicijske družbe, omogočil natančnejši pregled nad načinom trgovanja z različnimi instrumenti v Evropi.
n u l l
Nadzor
In a majority of EU countries, more than half the banks are foreign owned.
V večini držav EU je več kot polovica bank v tuji lasti.
The crisis exposed the coordination shortcomings between national supervisors.
Okrepitev nadzornega okvira je bistvena, saj odloča o uspehu veliko drugih sprejetih ukrepov.
It is, therefore, necessary to step up supervision at an EU level in order to detect irresponsible market behaviour and take appropriate action at an early stage.
Bonitetne agencije izdajajo mnenja o kreditni sposobnosti družb, vlad in zapletenih finančnih struktur.
Strengthening the supervisory framework is essential since this determines the success of many of the other measures being taken.
Poleg tega bodo morali izdajatelji strukturiranih finančnih instrumentov, tj. predhodno pripravljena naložbena strategija, ki temelji na izvedenih finančnih instrumentih, vsem zainteresiranim bonitetnim agencijam omogočiti dostop do informacij, ki so jih sporočili agenciji, izbrani za izdajo bonitetne ocene. S tem bodo na voljo nepooblaščene bonitetne ocene.
Regulating Financial Services for Sustainable Growth n u l l
Reguliranje finančnih storitev za trajnostno rast
HOW CAN YOU BENEFIT FROM THESE NEW RULES?
ZAKAJ SO NOVI PREDPISI DIREKTIVE O STORITVAH TAKO POMEMBNI ZA VAS KOT POTROŠNIKA?
WHY ARE THOSE NEW RULES OF THE SERVICES DIRECTIVE SO IMPORTANT FOR YOU AS A CONSUMER?
Za vas v vlogi potrošnika so storitve ključni del vsakdanjega življenja.
USE SERVICES THAT YOU NEED, NO MATTER WHERE YOU ARE n u l l
Zaradi tega potrošniki ne izkoriščajo v celoti priložnosti, ki jih nudi notranji trg EU.
As a consumer, services are a key part of your daily life.You are using services when you shop at a supermarket, when you buy products online, when you go to the hairdresser, when you sign a contract with a firm to build or renovate your house, when you book your holidays at a travel agency, when you hire a lawyer, and in countless other situations (1).
) Vendar ne pozabite, da Direktiva o storitvah nekaterih sektorjev ne zajema, zlasti finančnih, zdravstvenih in prometnih storitev.
Today, offering and buying services in and from other EU countries can still give rise to difficulties for consumers and businesses alike.
Javni organi ali podjetja včasih postavljajo omejitve za potrošnike, ker prihajajo iz ali živijo v drugi državi EU.
Businesses are often deterred or hindered by legal or administrative barriers.
Turisti, ki so prek spleta najeli avtomobil v drugi državi EU, morajo včasih plačati višjo pristojbino samo zato, ker nimajo stalnega bivališča v državi najema.
As a result, either they decide not to sell services to consumers from other countries or their services become more costly.
Potrošnikom, ki želijo kupiti glasbo ali knjige prek spletne strani v drugi državi EU, se to prepreči ali pa se jih preusmeri v nacionalno spletno trgovino.
As a consequence, consumers are not fully seizing the opportunities offered by the EU internal market.
DOSTOP DO BOLJŠIH INFORMACIJ, KADAR PREJEMATE STORITVE V EU
In addition, many consumers are not sufficiently informed about businesses in other countries and can therefore be reluctant to use their services or else run into difficulties when they try to use them.
Danes mnogi potrošniki še vedno odlašajo pri uporabi storitev iz tujine, ker nimajo ali ne morejo na enostaven način pridobiti informacij o predpisih, ki jih morajo upoštevati podjetja iz drugih držav.
That is why the EU adopted the Services Directive to ensure that both consumers and businesses reap the full benefits of the internal market by being able to easily offer and buy services.
Če imate vprašanje o predpisih, ki veljajo za storitve v drugih državah EU, lahko vprašate organ za pomoč neposredno v vaši matični državi. Organ za pomoč bo našel informacije za vas.
(1) Don’t forget, though, that certain sectors are not covered by the Services Directive, notably financial, healthcare and transport services.
Podjetja v sektorjih, ki jih pokriva Direktiva o storitvah, vam morajo dati na voljo informacije preden opravijo storitev, da bi zagotovila večjo preglednost in vam pomagala pri izbiri (ne glede na to, ali storitve nudijo preko spletne strani, od vrat do vrat ali v svojih prostorih).
Residence
Bivanje
Are you moving to another country in Europe and wondering about the practical formalities for your family, work, car, or healthcare coverage?
Se selite v drugo evropsko državo in se sprašujete o praktičnih formalnostih glede družine, dela, avtomobila ali zdravstvenega zavarovanja?
Are you travelling or shopping across borders and in need of advice on your EU rights?
Potujete ali nakupujete v tujini ... in potrebujete nasvet o vaših pravicah v EU?
Find information and help on:
Poiščite informacije in pomoč o naslednjih temah:
Europe made easy Help and advice on your life, work and travel in the EU europa.eu/youreurope
Lažje po Evropi Pomoč in nasveti za življenje, delo in potovanje v Evropski uniji europa.eu/youreurope
Work - work permits, social security, professional qualifications, taxes.
Zdravje- obisk pri zdravniku, recepti, zdravstveno zavarovanje in
Who is it for?
Komu je namenjena?
Shopping - purchases on line, consumer protection,
Nakupovanje- spletno nakupovanje, varstvo potrošnikov, bančni
Your Europe helps you understand your rights and find practical tips when you move around the EU.
Tvoja Evropa vam pomaga razumeti vaše pravice in najti praktične nasvete na poteh po Evropski uniji.
bank accounts and mortgages.
računi in hipoteke
Vehicles - driving licences, car insurance, vehicle
Vozila - vozniško dovoljenje, avtomobilsko zavarovanje, registracija vozila
What does it offer?
Kaj ponuja?
Family - partnerships and marriages, children, benefits.
Jasne informacije o vaših pravicah pri potovanjih in gibanju v Evropi.
Clear information about your rights when travelling or moving in Europe.
Družina- izvenzakonske in zakonske zveze’instead of‘življenje v paru in zakon
Tips and warnings on every day life abroad.
Nasvete in opozorila glede življenja v tujini.
Education - schooling, university, student exchanges, diplomas and degrees.
Izobraževanje- šolanje, študij, študentske izmenjave,
Real-life examples and frequently asked questions.
Primere iz resničnega življenja in najpogostejša vprašanja.
Easy access to personalised assistance if you need further help.
Enostaven dostop do individualne pomoči, kadar rabite dodatno pomoč.
Residence - administrative procedures, rights and obligation.
Potovanje- vstopni vizumi, pravice potnikov, potovanje s hišnimi ljubljenčki Bivanje- upravni postopki, pravice in obveznosti
Local points of contacts.
Kontaktne točke v vašem okolju.
Worried about your social security cover?
Ne veste, kako bo s pokojnino?
Can’t get a refund?
In vam v trgovini ne vrnejo denarja?
Moving abroad with kids?
Se z vami v tujino selijo tudi otroci?
Afraid of schooling set-backs?
Vas skrbi, kako bo s šolo?
European Commission Internal Market and Services
Evropska komisija Notranji trg in storitve
Your Single Market?
Vaš enotni trg?
Single Market Act for a highly competitive social market economy
Akt za enotni trg za visoko konkurenčno socialno tržno gospodarstvo
More information on the European Union is available on the Internet. (http://europa.eu and http://ec.europa.eu/citizensrights)
Veliko dodatnih informacij o Evropski uniji je na voljo na internetu.Dostop je mogoč na strežniku Europa (http://europa.eu).
STRONG, SUSTAINABLE AND EQUITABLE GROWTH
MOČNA, TRAJNOSTNA IN ENAKOMERNA RAST
EUROPEAN CITIZENS AT THE HEART OF THE SINGLE MARKET
EVROPSKI DRŽAVLJANI V SREDIŠČU ENOTNEGA TRGA PONOVNO PRIDOBIVANJE IN VZPOSTAVLJANJE ZAUPANJA
DIALOGUE, GOVERNANCE AND THE SINGLE MARKET
DIALOG, UPRAVLJANJE IN ENOTNI TRG
You participate everyday in building Europe.
Dragi evropski sodržavljani, vsak dan sodelujete pri gradnji Evrope.
You work, consume, travel, save, study or invest.
Delate, kupujete, potujete, varčujete, študirate ali vlagate.
You want to look after your health or you may be preparing for retirement.
Želite skrbeti za svoje zdravje ali pa se morda pripravljate na upokojitev.
In all aspects of your day-to-day life the single market, shared by all Europeans, should work for you, give you more opportunities and allow you to plan for your future.
Enotni trg, ki je skupen vsem Evropejcem, vam mora biti v vseh vidikih vašega vsakdanjega življenja v pomoč, vam zagotavljati več možnosti in omogočati načrtovanje prihodnosti.
In a collaborative effort with my colleagues from the European Commission, we have identified a set of 50 actions to allow each and every European to get more out of participating in the single market.
V sodelovanju s kolegi z Evropske komisije smo opredelili 50 ukrepov, da bi imel prav vsak Evropejec še več koristi od sodelovanja na enotnem trgu.
This booklet is intended, above all, as an invitation to both reflect on and discuss the issues that matter to you.
Ta brošura je predvsem povabilo k obravnavi vprašanj, ki so pomembna za vas, in razpravi o njih.
From now until the end of February, our proposals will be up for debate in each and every EU Member State.
Od tega trenutka do konca februarja se bo v vseh državah članicah EU razpravljalo o naših predlogih.
We invite you all to share your thoughts and opinions with us.
Vabimo vas, da nam sporočite svoje misli in mnenja.
Whether you are an individual, a small or big business, a trade union, an association, an NGO or a think tank, we want to hear from you.
Ne glede na to, ali ste fizična oseba, malo ali veliko podjetje, sindikat, združenje, nevladna organizacija (NVO) ali možganski trust, želimo vaše mnenje.
Feel free to visit our website http://ec.europa.eu/internal_market/smact/ where you can learn about the full contents of our proposals, follow events and participate in debates on key questions concerning the Single Market Act.
Obiščite našo spletno stran http://ec.europa.eu/internal_market/smact/, na kateri lahko izveste več o celotni vsebini naših predlogov, spremljate dogodke in sodelujete v razpravah o ključnih vprašanjih glede Akta za enotni trg.
You can also write to me either: at Michel.Barnier@ec.europa.eu or on our dedicated address for the Single Market Act: markt-sma@ec.europa.eu.
Lahko mi tudi pišete na: michel.barnier@ec.europa.eu ali na naslov, namenjen Aktu za enotni trg: markt-sma@ec.europa.eu.
I look forward to hearing from you,
S spoštovanjem,
Michel BARNIERMember of the European Commission in charge of Internal Market and Services
Michel BARNIERKomisar Evropske komisije za notranji trg in storitve
Why a Single Market Act?
Zakaj Akt za enotni trg?
2012 will mark the 20th anniversary of the single market.
Leta 2012 bo 20. obletnica enotnega trga.
Launched in 1992 under the leadership of Jacques Delors, the single market was intended to strengthen the ties that bind the citizens and Member States of the European Union.
Namen uvedbe enotnega trga leta 1992 pod vodstvom Jacquesa Delorsa je bil okrepiti vezi, ki združujejo državljane in države članice Evropske unije.
Its benefits are widespread.
Njegove prednosti so številne.
They are clear for businesses and for consumers who have seen their mobile phone prices come down by 70% and the cost of airline tickets drop by 40%.
Očitne so za podjetja in potrošnike, za katere so se cene mobilnih storitev znižale za 70 %, cene letalskih vozovnic pa za 40 %.
But times have changed.
Vendar se časi spreminjajo.
The globalization of trade, technological progress, and the emergence of new global players have altered the rules of the game.
Globalizacija trgovine, tehnološki napredek in pojav novih globalnih akterjev so spremenili pravila igre.
The financial and economic crisis had a severe impact on workers and businesses.
Finančna in gospodarska kriza je imela velik vpliv na delavce in podjetja.
This new reality demands a fresh response. One that is ambitious, seeks to re-launch market integration and works towards realizing Europe’s growth potential.
Te nove razmere zahtevajo nov odziv, ki je ambiciozen ter usmerjen v ponovno povezovanje trga in uresničevanje evropskega potenciala rasti.
We will need to work together to put citizens back at the heart of the single market and gain their trust.
Potrebno bo sodelovanje, da bodo državljani ponovno v središču enotnega trga in da bomo pridobili njihovo zaupanje.
A strong and successful single market should create jobs and address issues of social protection and environmental sustainability.
Močan in uspešen enotni trg mora ustvarjati nova delovna mesta ter reševati vprašanja socialne zaščite in okoljske trajnosti.
To meet these challenges we will need a panEuropean commitment. One that involves stakeholders from all corners of Europe, including those at national and regional levels, those in the public and private sector and those in the economic and social spheres.
Za spopadanje s temi izzivi potrebujemo vseevropsko zavezo, ki vključuje zainteresirane strani z vseh koncev Evrope, vključno z zainteresiranimi stranmi na nacionalni in regionalni ravni, v javnem in zasebnem sektorju ter z gospodarskih in družbenih področij.
This is the essence of the Single Market Act: actions the Commission wants to see debated and implemented as a matter of urgency before the end of 2012.
To je bistvo Akta za enotni trg: ukrepi, za katere Komisija želi, da se o njih razpravlja in da se kot nujni izvedejo pred koncem leta 2012.
We have identified the problems that stand in the way of the single market reaching its full potential.
Težave, ki ovirajo razvoj celotnega potenciala enotnega trga, so bile opredeljene.
Plenty of possibilities for growth exist.
Možnosti za rast je veliko.
However, these can only be exploited when citizens and businesses are fully convinced of the benefits generated by the single market.
Vendar se te lahko izkoristijo le, če državljani in podjetja verjamejo v prednosti, ki jih ustvarja enotni trg.
Our actions fall into three categories:
Naši ukrepi se razvrščajo v tri kategorije:
How to re-launch strong, sustainable and equitable growth
• kako ponovno vzpostaviti močno, trajnostno in enakomerno rast;
How to put citizens at the heart of the single market.
• kako državljane postaviti v središče enotnega trga;
How to foster better governance and dialogue in the single market.
• kako spodbuditi boljše upravljanje in dialog na enotnem trgu.
21 million European companies cater to 175 million jobs and supply 500 million consumers.
Enaindvajset milijonov evropskih družb zagotavlja 175 milijonov delovnih mest in oskrbuje 500 milijonov potrošnikov.
The single market must encourage companies to expand, buy, sell, create, invest and hire throughout the European Union and beyond, because Europe is poised to think and act globally.
Enotni trg mora družbe spodbujati, da se širijo, kupujejo, prodajajo, ustvarjajo, vlagajo in najemajo v Evropski uniji in zunaj nje, saj naj bi Evropa razmišljala in delovala na globalni ravni.
ENCOURAGING AND PROTECTING CREATIVITY
SPODBUJANJE IN VAROVANJE USTVARJALNOSTI
Our current fragmented system for patents stifles innovation and fails to properly protect inventors and centres for research and businesses.
Naš sedanji razdrobljeni sistem za patente ovira inovacije in neuspešno varuje izumitelje ter centre za raziskave in podjetja.
Our aim is to have the first EU patents issued in 2014.
Naš cilj je, da se prvi patenti EU podelijo leta 2014.
Any company or individual registering a patent has to go through a process of validating it in each and every Member State.
Vsaka pravna ali fizična oseba, ki želi prijaviti patent, ga mora potrditi v vsaki državi članici.
This involves translation fees, a costly business that deters smaller companies.
To vključuje stroške prevajanja, ki so visoki in odvračajo manjše družbe.
Registering a patent now may be subject to expensive and risky multi-forum litigation in different Member States.
Prijava patenta je lahko zdaj predmet dragega in tveganega sodnega postopka na različnih sodiščih v različnih državah članicah.
Imagine a medical breakthrough...
Predstavljajte si pomemben medicinski izum ...
Imagine an SME specialising in medical implants achieves a breakthrough in a new spinal device.
Predstavljajte si, da malo ali srednje podjetje, ki je specializirano za medicinske vsadke, izumi nov aparat za hrbtenico.
Aware that the copying of innovations is common in the sector, the company decides that a patent is the only way to protect its invention.
Ker se podjetje zaveda, da je kopiranje inovacij v sektorju pogosto, se odloči, da je patent edini način za zaščito izuma.
Registering the patent in 13 Member States could cost the company up to €20,000 under the current system.
Prijava patenta v 13 državah članicah lahko podjetje na podlagi obstoječega sistema stane do 20 000 EUR.
Financial constraints prevent the company from doing so, leaving the invention vulnerable to copying in other countries.
Finančne ovire podjetju preprečujejo prijavo, zato se v drugih državah izum lahko kopira.
If copied outside the EU and imported through the port of a Member State where the patent is not registered, authorities would be powerless to stop its release into the single market.
Če se patent kopira zunaj EU in se uvozi prek pristanišča države članice, v kateri patent ni prijavljen, organi nimajo pristojnosti, da bi preprečili njegov vstop na enotni trg.
Tackling problems for online crossborder purchases
Reševanje težav pri čezmejnih spletnih nakupih
The sector that poses the most problems to consumers is the online single market.
Sektor, ki potrošnikom povzroča največ težav, je spletni enotni trg.
Today, only 7% of consumers buy online.
Trenutno samo 7 % potrošnikov kupuje prek spleta.
Too often consumers cannot purchase products from other Member States because of their nationality or place of residence.
Prepogosto ne morejo kupiti izdelkov iz drugih držav članic zaradi državljanstva ali kraja stalnega prebivališča.
A recent study revealed that 61% of online purchases failed because companies refused to sell to people from other countries.
Nedavna študija je pokazala, da je bilo 61 % spletnih nakupov neuspešnih, ker so družbe zavrnile nakup osebam iz drugih držav.
In 2011, the Commission will support Member States by providing more guidance on how to rule out discrimination in e-commerce.
Komisija bo leta 2011 podprla države članice tako, da bo pripravila več smernic o tem, kako preprečiti diskriminacijo pri e-trgovanju.