+Smernice o dogovorih o sodelovanju med sistemi jamstva za vloge v skladu z Direktivo 2014/49/EU (EBA/GL/2016/02)
---+1. Obveznosti glede skladnosti in poročanja
------+Vloga teh smernic
---------+1. Dokument vsebuje smernice, izdane v skladu s členom 16 Uredbe (EU) št. 1093/2010 . V skladu s …
---------+2. V smernicah je predstavljeno stališče organa EBA o ustreznih nadzorniških praksah v Evropskem …
------+Dolžnost poročanja
---------+3. Pristojni organi morajo v skladu s členom 16(3) Uredbe (EU) št. 1093/2010 do 08.08.2016 organ …
---------+4. Uradna obvestila bodo v skladu s členom 16(3) objavljena na spletni strani organa EBA.
---+2. Predmet urejanja, področje uporabe in opredelitev pojmov
------+Predmet urejanja
---------+5. Te smernice določajo cilje in minimalno vsebino dogovorov o sodelovanju med sistemi jamstva za …
---------+6. Cilj smernic je zagotoviti skupen in dosleden pristop k dogovorom o sodelovanju v vseh državah …
------+Področje uporabe
---------+7. Te smernice se uporabljajo v povezavi z dogovori o sodelovanju, ki jih morajo skleniti sistemi …
---------+8. Kadar sisteme jamstva za vloge upravlja zasebni subjekt, bi morali imenovani organi zagotoviti …
---------+9. Te smernice za vsako od treh ključnih področij, ki jih je treba vključiti v dogovore o …
------+Naslovniki
---------+10. Te smernice so namenjene pristojnim organom iz člena 4(2)(iii) Uredbe (EU) št. 1093/2010 .
------+Opredelitev pojmov
---------+11. Če ni določeno drugače, imajo izrazi v teh smernicah enak pomen kot izrazi, ki se uporabljajo …
---+3. Izvajanje
------+Datum začetka uporabe
---------+12. Pristojni organi bi morali te smernice začeti izvajati 08/12/2016.
---+4. Cilji in splošni pristop pri sklepanju dogovorov o sodelovanju med sistemi jamstva za vloge
------+4.1 Cilji dogovorov o sodelovanju
---------+13. Dogovori o sodelovanju bi morali imeti v skladu s členom 14(5) Direktive 2014/49/EU naslednje …
------+4.2 Splošni pristop, ki bi ga bilo treba upoštevati pri sklepanju dogovorov o sodelovanju
---------+14. Sistemi jamstva za vloge ali, kjer je to primerno, imenovani organi bi morali ravnati v skladu …
---------+15. Pogoji večstranskega okvirnega dogovora o sodelovanju so določeni v Prilogi 1 k tem smernicam. …
---------+16. Sistemi jamstva za vloge ali, kjer je to primerno, imenovani organi bi morali skleniti …
---+5. Minimalni temeljni elementi dogovorov o sodelovanju
------+17. Dogovori o sodelovanju bi morali v skladu s členom 14(5) Direktive 2014/49/EU pokrivati vsaj …
------+18. Ta oddelek za vsako od treh navedenih področij vključuje seznam minimalnih temeljnih elementov …
------+5.1 Možnosti izplačila vlagateljem pri podružnicah
---------+40. V dopolnilnih dvostranskih ali večstranskih dogovorih o sodelovanju bi bilo treba opredeliti …
---------+41. V dogovorih o sodelovanju bi bilo treba določiti, da je valuta izplačila valuta, določena z …
---------+42. Kadar zakonodaja sistema jamstva za vloge matične države članice omogoča izbiro med več …
---------+43. Kadar je potrebna menjava valute, bi bilo treba uporabiti dnevni tečaj, ki ga je objavila …
---------+44. Potrebna finančna sredstva iz odstavkov 32 do 34 bi bilo treba zagotoviti v valuti izplačila …
---------+45. V dogovorih o sodelovanju bi bilo treba opredeliti, da bo sistem jamstva za vloge države …
---------+46. Kadar lahko sistem jamstva za vloge matične države članice učinkovito skrbi za komunikacijo z …
---------+47. V dogovorih o sodelovanju bi bilo treba določiti, da bosta sistema jamstva za vloge …
---------+48. Sistema jamstva za vloge matične države članice in države članice gostiteljice ali, kjer je to …
---------+49. Komunikacijske poti, vzpostavljene za komunikacijo z vlagatelji ter med sistemoma jamstva za …
---------+50. V dogovorih o sodelovanju bi bilo treba določiti vrste stroškov, ki jih bo sistem jamstva za …
---------+51. Upravičeni stroški, ki jih je imel sistem jamstva za vloge države članice gostiteljice, bi …
---------+52. V dogovorih o sodelovanju se lahko določi, da: a. sistem jamstva za vloge matične države …
---------+53. Kadar se sistemu jamstva za vloge države članice gostiteljice povrnejo stroški po izplačilu, bi …
---------+54. Prihodnje pogodbenice dogovora se lahko za to, da bi dodatno okrepile zaupanje v sposobnost …
---------+55. Taka revizija, določena v dogovoru med sistemi jamstva za vloge ali, kjer je to ustrezno …
---------+19. V dogovorih o sodelovanju med sistemi jamstva za vloge ali, kjer je to primerno, imenovanimi …
---------+20. V dogovorih o sodelovanju bi bilo treba opredeliti vsebino in postopek pošiljanja obvestila o …
---------+21. Sistem jamstva za vloge matične države članice bi moral obvestiti sistem jamstva za vloge in …
---------+22. Obvestilo bi moral sistem jamstva za vloge matične države članice posredovati sistemu jamstva …
---------+23. Čeprav člen 4(9) Direktive 2014/49/EU določa, da morajo sistemi jamstva za vloge zagotoviti …
---------+24. V dogovorih o sodelovanju bi bilo treba navesti rok, do katerega bi moral sistem jamstva za …
---------+25. Sistem jamstva za vloge matične države članice bi moral prejeti enoten pogled na stranko v …
---------+26. Kadar sistem jamstva za vloge matične države članice nima vseh potrebnih informacij glede na …
---------+27. Sistema jamstva za vloge bi morala drug drugega takoj obvestiti o morebitnih posodobitvah …
---------+28. Sistem jamstva za vloge države članice gostiteljice bi si moral prizadevati za to, da …
---------+29. Sistem jamstva za vloge države članice gostiteljice bi moral po prvem izplačilu na dokumentiran …
---------+30. V dogovorih o sodelovanju bi bilo treba določiti, da sistem jamstva za vloge države članice …
---------+31. Izbrani računi in metoda prenosa bi morali zagotoviti čim večjo varnost sredstev in …
---------+32. V dogovorih o sodelovanju bi bilo treba določiti rok za zagotovitev potrebnih finančnih …
---------+33. Sistem jamstva za vloge matične države članice bi moral sistemu jamstva za vloge države članice …
---------+34. Vsa presežna sredstva, ki so bila vnaprej izplačana sistemu jamstva za vloge države članice …
---------+35. Kadar je rok, v katerem mora sistem jamstva za vloge matične države članice zagotoviti …
---------+36. Sistem jamstva za vloge države članice gostiteljice bi moral v enem delovnem dnevu obvestiti …
---------+37. Kadar vlagatelj zahteva izplačilo zneska za kritje življenjskih stroškov, bodisi neposredno pri …
---------+38. Kadar je celotno izplačilo neizbežno ali kadar bi delno izplačilo bistveno upočasnilo postopek …
---------+39. V dogovorih o sodelovanju bi bilo treba opisati postopek, po katerem sistem jamstva za vloge …
---------+56. Vse stroške, ki izhajajo iz zamud sistema jamstva za vloge matične države članice pri …
---------+57. Kadar je mogoče zamudo pripisati dejavnostim sistema jamstva za vloge države članice …
---------+58. V skladu s členom 14(2) Direktive 2014/49/EU sistem jamstva za vloge države članice …
---------+59. Sistema jamstva za vloge matične države članice in države članice gostiteljice se lahko …
------+5.2 Možnosti prenosa prispevkov in informacij med sistemi jamstva za vloge
---------+60. V dogovorih o sodelovanju med sistemi jamstva za vloge ali, kjer je to primerno, imenovanimi …
---------+61. Člen 14(6) v povezavi s členom 4(9) Direktive 2014/49/EU zahteva učinkovito izmenjavo …
---------+62. Čeprav zgornja določba zagotavlja skupni minimalni sklop standardov za zaupnost in varstvo …
---------+63. Zagotavljanje točnih podatkov je ključni korak k zagotovitvi učinkovitega prenosa informacij z …
---------+64. Rok bi bilo treba določiti, preden institucija formalno zapusti prvotni sistem jamstva za vloge …
---------+65. Informacije, ki jih je treba posredovati, bi morale vključevati vse elemente, ki jih prvotni in …
---------+66. Prvotnemu sistemu jamstva za vloge ne bi bilo treba pridobiti novih informacij, da bi jih …
---------+67. Prvotnemu sistemu jamstva za vloge bi bilo treba omogočiti, da zavrne izmenjavo informacij, ki …
---------+68. Prvotni sistem jamstva za vloge bi moral vse stroške, ki jih je imel z zbiranjem sredstev …
---------+69. Prejemni sistem jamstva za vloge bi moral prvotnemu sistemu jamstva za vloge predložiti podatke …
---------+70. V dogovorih o sodelovanju bi bilo treba potrditi, da bo prvotni sistem jamstva za vloge …
---------+71. V skladu z odstavkom 13(d) smernic EBA o plačilnih obveznostih v zvezi s sistemi jamstva za …
---------+72. V dogovorih o sodelovanju bi bilo treba določiti rok, do katerega se prvotni sistem jamstva za …
---------+73. Kadar se prvotni sistem jamstva za vloge odloči, da bo uveljavljal obveznosti in prenesel …
---------+74. Kadar se prvotni sistem jamstva za vloge odloči, da ne bo uveljavljal plačilnih obveznosti …
---------+75. Članstvo v sistemu jamstva za vloge je nujen pogoj, ki mora biti izpolnjen, da lahko kreditna …
---------+76. Kadar je prejemni sistem jamstva za vloge pripravljen prevzeti tveganje sprejema nove včlanjene …
---------+77. Sistema jamstva za vloge pri medsebojnem posredovanju informacij uporabljata angleščino, razen …
---------+78. V dogovorih o sodelovanju bi bilo treba določiti, da prejemni sistem jamstva za vloge nosi vse …
---------+79. Dogovori o sodelovanju bi morali vključevati klavzulo, ki določa, da bi moral v primeru zamud …
------+5.3 Možnosti vzajemnega najemanja posojil med sistemi jamstva za vloge
---------+80. V dogovorih o sodelovanju bi bilo treba določiti, ali zadevna sistema jamstva za vloge v skladu …
---------+81. Kadar sistema jamstva za vloge ne soglašata z vzajemno odobritvijo posojil, bodisi ker jima …
---------+82. Kadar nameravata sistema jamstva za vloge drug drugemu odobriti posojila, bi bilo treba v …
------+5.4 Učinkovito reševanje sporov
---------+83. Dogovori o sodelovanju bi morali vključevati klavzulo, ki navaja, da se lahko katera koli …
---+Annex 1 – Multilateral framework cooperation agreement between deposit guarantee schemes and designated authorities in the European Union
------+1. The objective of this Multilateral Framework Cooperation Agreement (the Agreement) is, in …
------+2. In particular, it specifies ex ante various aspects for repayment of depositors at branches …
------+1. ‘Home DGS’ means the DGS established in the Member State in which a Member Institution has been …
------+2. ‘Host Designated Authority’ means the designated authority of the Member State where the Host …
------+3. ‘Host DGS’ means the DGS established in the Member State in which territory a Member …
------+4. ‘Member Institution’ means a credit institution affiliated to a DGS.
------+5. ‘Deposit guarantee scheme (DGS)’ means a DGS introduced and officially recognised in a Member …
------+6. ‘Single customer view (SCV)’ means the file containing the individual depositor information …
------+1. This Agreement is agreed to by DGSs and, where appropriate, designated authorities, as defined …
------+2. The EBA shall not be considered a Party to this Agreement, and any provision thereof shall not …
------+3. The list of DGSs and designated authorities subscribing to this Agreement will be available on …
------+4. Additional DGSs and designated authorities may subscribe to this Agreement from time to time. …
------+1. Upon the Home DGS becoming aware that a relevant administrative authority has made a …
------+2. The notification shall also include: a. general information about the Member Institution in …
------+3. As soon as the notification is received, the Host DGS shall start preparing for a payout, ahead …
------+4. Promptly after receiving the notification of unavailability of deposits, the Host DGS shall …
------+5. Such accounts and the transfer method used shall ensure the utmost security of the funds from …
------+1. The Home DGS shall make every reasonable effort to provide the Host DGS with all necessary …
------+2. For these purposes, the Home DGS shall obtain the SCV in line with domestic deadlines for …
------+3. The Home DGS shall then process the SCV in order to provide the Host DGS with the relevant …
------+4. The instructions for payment shall be provided in the format and with the content specified …
------+5. Where the Home DGS does not have all information needed depending on the method of payout of the …
------+6. The Home and the Host DGS shall inform one another promptly of any updates to the data. Article …
------+1. The Host DGS shall strive to ensure that the repayable amount is available to depositors as soon …
------+2. Following the initial payout, the Host DGS shall communicate to the Home DGS in a documented …
------+3. The Host DGS shall regularly communicate to the Home DGS in a documented manner about progress …
------+1. The Home DGS shall provide the Host DGS with the necessary funding prior to the payout no later …
------+2. The funds shall be provided in the currency of repayment pursuant to paragraphs 1 and 2 of …
------+3. Any funds advanced in excess to the Host DGS shall be refunded by it to the Home DGS no later …
------+1. Where the Home DGS’s deadline for making the repayable amount available is longer than seven …
------+2. The Host DGS shall, within one working day, notify the Home DGS of a depositor request for a …
------+3. When a depositor requests a payout of a cost of living amount through a Host DGS, either …
------+4. Where the full payout is imminent, or where a partial payout would significantly delay the full …
------+1. The Host DGS shall assist the Home DGS with the handling of claims related to temporary high …
------+2. Claims related to temporary high balances may be submitted either to the Host or to the Home …
------+3. The Home DGS shall verify the claim. Upon request by the Home DGS, the Host DGS shall lend the …
------+4. Upon verifying the claim, the Home DGS shall send the necessary instructions for repayment of …
------+5. Upon receiving the instructions for payment and the funds, the Host DGS shall repay the …
------+6. For the purposes of this article, the Home DGS shall communicate to the Host DGS, at the time of …
------+1. The repayments shall be made by the Host DGS in the currency determined by the Home DGS’s …
------+2. Where the law of the Home DGS allows choosing between several currencies of repayment, and where …
------+3. Where there is a need for a currency exchange, the rate to be applied shall be the spot rate …
------+1. In accordance with Article 14(2) of Directive 2014/49/EU, the Host DGS shall handle …
------+2. Where the Home DGS has the capability to effectively handle communication with depositors at …
------+3. The language to be used in communicating with the depositors at the branch in the context of a …
------+4. The language to be used in all communication between the Home and the Host DGS shall be English …
------+5. The communication channels established to communicate with the depositors at branches, and …
------+1. In accordance with Article 14(2) of Directive 2014/49/EU, the Home DGS shall compensate the …
------+2. The types of costs referred to above shall include, but shall not be limited to, the costs …
------+3. Eligible costs incurred by the Host DGS shall meet the following criteria: a. be necessary for …
------+4. The Home and the Host DGSs shall bilaterally agree on whether: a. the Home DGS shall provide a …
------+5. Where the Host DGS is reimbursed following the payout, reimbursement details, such as time to …
------+1. Subject to subsequent bilateral agreement between the Home and the Host DGS or, where relevant …
------+2. Such an audit may take the form of, for example, oversight, post-payout review, audit of costs …
------+1. Any costs arising from delays in the Home DGS providing the Host DGS with the instructions for …
------+2. Where the delay is attributable to the Host DGS’s actions, the Host DGS shall bear the costs …
------+1. Within one month of becoming aware of the intention of a Member Institution to cease to be a …
------+2. Similarly, where a Member Institution communicates to the Receiving DGS its intention to become …
------+3. The exchange of information referred to in paragraphs 1 and 2 shall take place in any event …
------+4. The information to be communicated referred to in paragraphs 1 and 2 shall include any …
------+5. The Transferring DGS shall not be required to obtain new information for the purpose of …
------+6. The Transferring DGS shall have the right to refuse to share information which, due to its …
------+1. In accordance with Article 14(3) of Directive 2014/49/EU, the contributions paid during the 12 …
------+2. Where the Transferring DGS needs to collect additional funds, for example following a recent …
------+3. The Receiving DGS shall provide the Transferring DGS with the account details and any other …
------+4. The Transferring DGS shall transfer the funds in the currency in which the contributions had …
------+1. Where a member Institution ceases to be a member of the Transferring DGS and joins the Receiving …
------+2. Within seven working days of first becoming aware of the intention of the Member Institution to …
------+3. Where the Transferring DGS decides to enforce the payment commitments and transfer the proceeds …
------+4. Where the Transferring DGS decides not to enforce the payment commitments, the Transferring DGS …
------+1. The transfer of contributions (whether funds or payment commitments) from the Transferring DGS …
------+2. By way of exception to paragraph 1, where the Receiving DGS accepts to take the risk of …
------+1. Any costs associated with transferring the contributions from the Transferring DGS, and any …
------+2. Without prejudice to paragraph 1, any costs arising from delays in the provision of information …
------+1. Where the Lending and the Borrowing DGSs intend to lend to one another, the Borrowing DGS shall …
------+2. The Lending DGS shall communicate its decision to the Borrowing DGS as soon as possible and in …
------+3. Within five working days of the Member State of the Receiving DGS receiving the communication …
------+1. The provisions of this Agreement shall not preclude the Parties from entering into bilateral (or …
------+2. In the event of any contradiction or inconsistency between the terms of those supplemental terms …
------+1. This Agreement may be amended in accordance with the following procedure.
------+2. Any Party may propose an amendment to this Agreement.
------+3. Any Party proposing an amendment of this Agreement shall notify the EBA of its proposal.
------+4. The EBA will notify the other Parties to this Agreement of the amendments proposed by any Party …
------+5. An amendment shall enter into force 30 days after the date on which the EBA has received the …
------+6. This Agreement shall be subject to a joint examination by all the Parties to this Agreement …
------+1. This Agreement shall enter into force on the [seven months from publication of the translation …
------+2. Any Party may at any time withdraw from this Agreement by sending written notification thereof …
English - European Union - Financial Industry -

Smernice o dogovorih o sodelovanju med sistemi jamstva za vloge v skladu z Direktivo 2014/49/EU (EBA/GL/2016/02)

Smernice o dogovorih o sodelovanju med sistemi jamstva za vloge v skladu z Direktivo 2014/49/EU (EBA/GL/2016/02)

https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/depositor-protection/guidelines-cooperation-agreements-between-deposit-guarantee-schemes – PDF

1. Pregled

,
Naslov Regulativa
1. Obveznosti glede skladnosti in poročanja

1. Obveznosti glede skladnosti in poročanja

2. Predmet urejanja, področje uporabe in opredelitev pojmov

2. Predmet urejanja, področje uporabe in opredelitev pojmov

3. Izvajanje

3. Izvajanje

4. Cilji in splošni pristop pri sklepanju dogovorov o sodelovanju med sistemi jamstva za vloge

4. Cilji in splošni pristop pri sklepanju dogovorov o sodelovanju med sistemi jamstva za vloge

5. Minimalni temeljni elementi dogovorov o sodelovanju

5. Minimalni temeljni elementi dogovorov o sodelovanju

Annex 1 – Multilateral framework cooperation agreement between deposit guarantee schemes and designated authorities in the European Union

MULTILATERAL FRAMEWORK COOPERATION AGREEMENT BETWEEN DEPOSIT GUARANTEE SCHEMES AND DESIGNATED AUTHORITIES IN THE EUROPEAN UNION The subscribing deposit guarantee schemes (DGSs) and, where appropriate, designated authorities of the Member States of the European Union, Recognising the responsibility of DGSs to protect depositors, and their additional role in contributing to market confidence and financial stability, Recognising the importance of cooperation between DGSs within the European Union, in particular, when deposit-taking business is carried out on a cross-border basis, Having regard to the first subparagraph of Article 14(5) of Directive 2014/49/EU of the European Parliament and of the Council of 16 April 2014 on deposit guarantee schemes (Directive 2014/49/EU), which establishes that ‘In order to facilitate an effective cooperation between DGSs, with particular regard to this Article and to Article 12, the DGSs or, where appropriate, the designated authorities, shall have written cooperation agreements in place. Such agreements shall take into account the requirements laid down in Article 4(9)’, Having regard to the second subparagraph of Article 14(5) of Directive 2014/49/EU, which establishes that ‘The designated authority shall notify EBA of the existence and the content of such agreements and EBA may issue opinions in accordance with Article 34 of Regulation (EU) No 1093/2010 of the European Parliament and of the Council of 24 November 2010 establishing a European Supervisory Authority (European Banking Authority), amending Decision No 716/2009/EC and repealing Commission Decision 2009/78/EC (Regulation (EU) 1093/2010). If designated authorities or DGSs cannot reach an agreement or if there is a dispute about the interpretation of an agreement, either party may refer the matter to EBA in accordance with Article 19 of Regulation (EU) 1093/2010 and EBA shall act in accordance with that Article’, Conscious of the need to ensure a consistent application of Directive 2014/49/EU throughout the European Union and avoid the conclusion of a high number of overly complex bilateral agreements between deposit guarantee schemes,

Have agreed as follows

PART I GENERAL PROVISIONS

Article 1 Objective of this Multilateral Framework Cooperation Agreement

1.1 Sklici

1.2 Ugotovljene zahteve

1.3 Povezani standardi

2. Ugotovljene zahteve

Zahteve
Vir Zahteva

3. Povezani standardi

Standardi
Vir Zahteva

Povezane zadeve

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