+Članak 7. Zahtjevi koji se odnose na sigurno čuvanje
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---+Article 7 2.
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Članak 7. Zahtjevi koji se odnose na sigurno čuvanje

Članak 7.

Zahtjevi koji se odnose na sigurno čuvanje

1.  Države članice zahtijevaju da institucija za elektronički novac sigurno čuva sredstva koja su primljena u zamjenu za izdani elektronički novac, u skladu s člankom 9. stavcima 1. i 2. Direktive 2007/64/EZ. Sredstva primljena u obliku plaćanja putem instrumenta plaćanja ne trebaju se sigurno čuvati dok nisu knjižena na platežni račun institucije za elektronički novac ili na drugi način postanu dostupna instituciji za elektronički novac u skladu sa zahtjevima koji se odnose na rok izvršenja utvrđenim u Direktivi 2007/64/EZ, ako je to primjenjivo. U svakom slučaju, takva sredstva treba početi sigurno čuvati najkasnije pet radnih dana, u smislu točke 27. članka 4. te Direktive, nakon izdavanja elektroničkog novca.

2.  Za potrebe stavka 1., sigurna imovina niskog rizika su one stavke imovine koje pripadaju jednoj od kategorija navedenih u tablici 1. točke 14. Priloga I. Direktivi 2006/49/EZ Europskog parlamenta i Vijeća od 14. lipnja 2006. o adekvatnosti kapitala investicijskih društava i kreditnih institucija ( 2 ) za kojima se dodjeljuje ponder rizika za specifični rizik koji nije viši od 1,6 %, ali ne ograničavajući se na druge kvalificirajuće stavke u smislu točke 15. tog Priloga.

Za potrebe stavka 1., sigurna imovina niskog rizika su također jedinice u društvima za zajednička ulaganja u prenosive vrijednosne papire (UCITS) koja investiraju isključivo u imovinu kako je određeno u prvom podstavku.

U iznimnim okolnostima i uz adekvatno opravdanje, nadležna tijela mogu na temelju procjene sigurnosti, dospijeća, vrijednosti ili drugih elemenata rizika imovine kako je određena u prvom i drugom podstavku utvrditi što od te imovine ne predstavlja sigurnu imovinu niskog rizika za potrebe stavka 1.

3.  Članak 9. Direktive 2007/64/EZ primjenjuje se na institucije za elektronički novac za djelatnosti navedene u članku 6. stavku 1. točki (a) ove Direktive koje nisu povezane s djelatnošću izdavanja elektroničkog novca.

4.  Za potrebe stavaka 1. i 3., države članice ili njihova nadležna tijela mogu odrediti, u skladu s nacionalnim zakonodavstvom, koju metodu institucije za elektronički novac trebaju koristiti za sigurno čuvanje sredstava.

1. Pregled

,
Article 7 1.
Member States shall require an electronic money institution to safeguard funds that have been received in exchange for electronic money that has been issued, in accordance with Article 9(1) and (2) of Directive 2007/64/EC. Funds received in the form of payment by payment instrument need not be safeguarded until they are credited to the electronic money institution’s payment account or are otherwise made available to the electronic money institution in accordance with the execution time requirements laid down in the Directive 2007/64/EC, where applicable. In any event, such funds shall be safeguarded by no later than five business days, as defined in point 27 of Article 4 of that Directive, after the issuance of electronic money.
Article 7 2.
For the purposes of paragraph 1, secure, low-risk assets are asset items falling into one of the categories set out in Table 1 of point 14 of Annex I to Directive 2006/49/EC of the European Parliament and of the Council of 14 June 2006 on the capital adequacy of investment firms and credit institutions ( 2 ) for which the specific risk capital charge is no higher than 1,6 %, but excluding other qualifying items as defined in point 15 of that Annex.

For the purposes of paragraph 1, secure, low-risk assets are also units in an undertaking for collective investment in transferable securities (UCITS) which invests solely in assets as specified in the first subparagraph.

In exceptional circumstances and with adequate justification, the competent authorities may, based on an evaluation of security, maturity, value or other risk element of the assets as specified in the first and second subparagraphs, determine which of those assets do not constitute secure, low-risk assets for the purposes of paragraph 1.
Article 7 3.
Article 9 of Directive 2007/64/EC shall apply to electronic money institutions for the activities referred to in Article 6(1)(a) of this Directive that are not linked to the activity of issuing electronic money.
Article 7 4.
For the purposes of paragraphs 1 and 3, Member States or their competent authorities may determine, in accordance with national legislation, which method shall be used by the electronic money institutions to safeguard funds.

1.1 Reference

1.2 Utvrđeni zahtjevi

1.3 Povezani standardi

2. Utvrđeni zahtjevi

Zahtjevi

3. Povezani standardi

Standardi
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