Vertaling van "Deposit money " (Engels → Nederlands) :

Electronic money and funds received in exchange for electronic money should not, in accordance with Directive 2009/110/EC of the European Parliament and of the Council , be treated as a deposit and should not therefore fall within the scope of this Directive.

Furthermore, depositors will have their money paid out more quickly, within 7 working days (down from 20), and national deposit guarantee schemes will be much better financed to back up their guarantees, notably through a significant level of ex-ante funding: 0.8% of covered deposits will be collected from banks over a 10-year period.

(7) The introduction of a separate prudential supervisory regime for electronic money institutions, which, although calibrated on the prudential supervisory regime applying to other credit institutions and Directive 2000/12/EC except Title V, Chapters 2 and 3 thereof in particular, differs from that regime, is justified and desirable because the issuance of electronic money does not constitute in itself, in view of its specific character as an electronic surrogate for coins and banknotes, a deposit-taking activity pursuant to Article ...[+++]3 of Directive 2000/12/EC, if the received funds are immediately exchanged for electronic money.

Consumers were not protected against the loss of their funds, given that electronic money was not regarded as a "deposit" and was therefore not covered by deposit guarantee funds.

Following the specific amendments agreed by the Commission, the proposal now: - makes clear that a credit institution that also acted as an investment firm could belong to a single compensation scheme as long as the scheme met the requirements of both the deposit-guarantee Directive and the investor compensation Directive - incorporates equivalent clauses to the bank deposit-guarantee Directive concerning the possibility for branches to opt-in to higher levels of compensation in the host country ('top-up'), the regime for branches of firms with their head office in a non-EU country (Member States must ensure home countries schemes offer equivalent cover or oblige branches to join the host country scheme) and the principle that schemes shoul ...[+++]d be financed by investment firms themselves - includes revised definitions of "investment firm" and "branch" which refer to the definitions in the Investment Services Directive and a new definition of "joint investment" - clarifies that authorisation for investment firms is based on the principle of home country control and that no investment firm (other than credit institutions exempted under the deposit-guarantee Directive) could operate unless it participated in an investor compensation scheme - simplifies the definition of when and how the amount of an investor's claim should be determined - makes a specific reference to the exclusion from compensation of any transaction in connection with which there has been a conviction for money-laundering as defined by the Directive on the issue (91/308/EEC) - includes a requirement for continued coverage by the compensation scheme even when a firm's authorisation to operate has been withdrawn (in case it should subsequently transpire that the firm was unable to meet its commitments to investors) - requires the Commission to report on the Directive's operation three years after it is due to be implemented (31.12.96) rather than five years after.

The delegations are opposed to the proposed liberalization of investment fund markets, and discussions are currently at a standstill, in particular on the following points: * deposit funds or money market funds: half the delegations are in favour of introducing a substantial proportion of bank deposits, and half are against; * feeder funds: four delegations (Belgium, Italy, Luxembourg and Portugal) are opposed to the inclusion of these funds in the Directive, and in any event there is no majority in favour; * only three Member States (Belgium, Denmark and the Netherlands) are in favour of the Commission proposal th ...[+++]at the freedom to provide services should apply to depositaries.