Local view for "http://purl.org/linkedpolitics/eu/plenary/2005-09-27-Speech-2-251"

Predicate	Value (sorted: default)
rdf:type	lpv_eu:Speech⁶
dcterms:Date	"2005-09-27"^^xsd:date⁶
dcterms:Is Part Of	lp_eu:Infotund (küsimused komisjonile)⁶
dcterms:Language	"en"^^xsd:language⁶
lpv:document identification number	"en.20050927.20.2-251"⁶
lpv:hasSubsequent	lp_eu:2005-09-27-Speech-2-252⁶
lpv:speaker	lp:Charlie McCreevy⁶
lpv:spoken text	". The Commission has the greatest sympathy for the many thousands of policy-holders and pensioners who have suffered severe financial loss as a result of the serious problems encountered by the Equitable Life insurance company. The Commission has no direct role in the supervision of individual insurance undertakings. That is the responsibility of each Member State and is, in practice, carried out by the supervisory authorities appointed for that purpose. The United Kingdom Financial Services Authority, recognising certain weaknesses in the former regime and responding to criticisms in the Penrose report, has launched a major reform of the regulation of life insurance undertakings. In part this reflects the lessons learned from the Equitable Life affair. As regards the payment of compensation where national supervision has failed, redress can only be sought before the national courts of the Member State in question. With respect to the Community regime for the insurance and pension sector, the Commission is currently working on the Solvency II project, the aim of which is to achieve over time a more harmonised risk-based system for the supervision and prudential regulation of all insurance undertakings across the European Union. The Commission is also continuing its exploratory work with the Member States on insurance guarantee schemes that could deal with situations where an insurance undertaking fails and is unable to meet its commitments to policy-holders and beneficiaries. It should be noted, however, that Equitable Life did not enter into liquidation and continues to operate as an authorised insurance undertaking, albeit one that is closed to new business. As far as the banking sector is concerned, the Deposit Guarantee Schemes Directive already obliges Member States to set up schemes which offer a minimum guarantee level of EUR 20 000 to depositors, although the threshold is higher in a number of Member States. The Deposit Guarantee Schemes Directive is in the process of being reviewed in order to ensure that it is still in line with market developments. Concerning the proposal for a directive on services in the internal market, the Commission would like to recall that financial services are excluded from the scope of application of the services proposal. Furthermore, it should be noted that the services proposal includes provisions strengthening consumer protection. In particular, Article 27 requires Member States to ensure that providers whose services present a direct and particular risk to the health and safety of the recipient or a third person, or to the financial security of the recipient, would be obliged to take out professional indemnity insurance."@en⁴
lpv:translated text	"The Commission has the greatest sympathy for the many thousands of policy-holders and pensioners who have suffered severe financial loss as a result of the serious problems encountered by the Equitable Life insurance company. The Commission has no direct role in the supervision of individual insurance undertakings. That is the responsibility of each Member State and is, in practice, carried out by the supervisory authorities appointed for that purpose. The United Kingdom Financial Services Authority, recognising certain weaknesses in the former regime and responding to criticisms in the Penrose report, has launched a major reform of the regulation of life insurance undertakings. In part this reflects the lessons learned from the Equitable Life affair. As regards the payment of compensation where national supervision has failed, redress can only be sought before the national courts of the Member State in question. With respect to the Community regime for the insurance and pension sector, the Commission is currently working on the Solvency II project, the aim of which is to achieve over time a more harmonised risk-based system for the supervision and prudential regulation of all insurance undertakings across the European Union. The Commission is also continuing its exploratory work with the Member States on insurance guarantee schemes that could deal with situations where an insurance undertaking fails and is unable to meet its commitments to policy-holders and beneficiaries. It should be noted, however, that Equitable Life did not enter into liquidation and continues to operate as an authorised insurance undertaking, albeit one that is closed to new business. As far as the banking sector is concerned, the Deposit Guarantee Schemes Directive already obliges Member States to set up schemes which offer a minimum guarantee level of EUR 20 000 to depositors, although the threshold is higher in a number of Member States. The Deposit Guarantee Schemes Directive is in the process of being reviewed in order to ensure that it is still in line with market developments. Concerning the proposal for a directive on services in the internal market, the Commission would like to recall that financial services are excluded from the scope of application of the services proposal. Furthermore, it should be noted that the services proposal includes provisions strengthening consumer protection. In particular, Article 27 requires Member States to ensure that providers whose services present a direct and particular risk to the health and safety of the recipient or a third person, or to the financial security of the recipient, would be obliged to take out professional indemnity insurance."@cs¹ "Kommissionen har den største sympati for de tusindvis af mennesker, der har tegnet forsikring eller pensionsopsparing, og som har lidt store økonomiske tab som følge af de alvorlige problemer i forsikringsselskabet Equitable Life. Kommissionen spiller ikke nogen direkte rolle i tilsynet med individuelle forsikringsselskaber. Dette ansvar påhviler hver enkelt medlemsstat og udføres i praksis af dertil udpegede tilsynsmyndigheder. Det britiske finanstilsyn har, i anerkendelse af visse svagheder i den tidligere ordning og som reaktion på kritik i Penrose-rapporten, iværksat en omfattende reform af lovgivningen vedrørende livsforsikringsselskaber. Det afspejler til dels erfaringerne fra Equitable Life-sagen. Hvad angår udbetaling af erstatning, hvor det nationale tilsyn ikke har fungeret, kan kravene kun gøres gældende ved de nationale domstole i den pågældende medlemsstat. Med hensyn til EU's ordning for forsikrings- og pensionssektoren arbejder Kommissionen i øjeblikket på Solvency II-projektet, som sigter mod et efterhånden mere harmoniseret risikobaseret system for tilsyn med og passende regler for alle forsikringsselskaber i hele EU. Kommissionen fortsætter også sit samarbejde med medlemsstaterne om afdækning af forsikringsgarantiordninger, som kan håndtere situationer, hvor et forsikringsselskab krakker og ikke kan overholde sine forpligtelser over for de forsikrede og betalingsmodtagerne. Det bør dog bemærkes, at Equitable Life ikke trådte i likvidation, og at selskabet stadig opererer som et autoriseret forsikringsselskab, som dog ikke er åbent for nye forretninger. Hvad angår banksektoren, forpligter direktivet om indskydergarantiordninger allerede medlemsstaterne til at indføre ordninger med en minimumsgaranti på 20.000 euro til indskyderne, selv om grænsen er højere i en række medlemsstater. Direktivet om indskydergarantiordninger er ved at blive revideret for at sikre, at det stadig er i overensstemmelse med markedsudviklingen. Hvad angår forslaget til et direktiv om tjenesteydelser i det indre marked, minder Kommissionen om, at finansielle tjenesteydelser falder uden for det foreslåede servicedirektivs anvendelsesområde. Desuden bør det bemærkes, at forslaget til et servicedirektiv indeholder bestemmelser, som styrker forbrugerbeskyttelsen, Navnlig indeholder artikel 27 krav om, at medlemsstaterne skal påse, at tjenesteydere, hvis tjenesteydelser frembyder en særlig sundheds- eller sikkerhedsmæssig fare eller en særlig finansiel risiko for tjenestemodtageren, er forpligtet til at tegne erhvervsansvarsforsikring."@da² "Die Kommission hat größtes Mitgefühl mit den vielen Tausenden Versicherungsnehmern und Rentnern, die infolge der gravierenden Probleme bei der Versicherungsgesellschaft Equitable Life große finanzielle Einbußen erlitten haben. Die Kommission ist nicht direkt in die Aufsicht über einzelne Versicherungsunternehmen eingebunden. Diese ist Sache jedes Mitgliedstaates und wird in der Praxis von den hierzu ernannten Aufsichtsbehörden ausgeübt. Die Aufsichtsbehörde für Finanzdienstleistungen des Vereinigten Königreichs hat bestimmte Schwächen des früheren Vorgehens erkannt und aufgrund der Kritik im Penrose-Bericht eine umfassende Reform der Beaufsichtigung von Lebensversicherern eingeleitet. Das zeigt in gewisser Weise, dass Lehren aus den Vorgängen um Equitable Life gezogen wurden. Zur Frage der Zahlung von Entschädigungen bei Versagen der nationalen Aufsicht: Regressansprüche können nur bei den nationalen Gerichten des jeweiligen Mitgliedstaats geltend gemacht werden. Zur Gemeinschaftsregelung für den Versicherungs- und Pensionssektor ist zu sagen, dass die Kommission gegenwärtig am Projekt Solvabilität II arbeitet, das darauf abzielt, im Laufe der Zeit ein besser abgestimmtes, risikogestütztes System für die Beaufsichtigung und Regelung aller Versicherungsunternehmen in der Europäischen Union zu erreichen. Die Kommission setzt auch ihre Sondierungen mit den Mitgliedstaaten zu Plänen über Garantien von Versicherungsgesellschaften fort, die zum Tragen kommen könnten, wenn ein Versicherungsunternehmen zahlungsunfähig wird und nicht in der Lage ist, seinen Verpflichtungen gegenüber Versicherungsnehmern und Anspruchsberechtigten nachzukommen. Es ist jedoch anzumerken, dass Equitable Life nicht in Liquidation gegangen ist und weiterhin als Versicherungsunternehmen zugelassen ist, obgleich Neugeschäfte nicht mehr getätigt werden dürfen. Zum Bankensektor ist zu sagen, die Richtlinie über Einlagensicherungssysteme verpflichtet die Mitgliedstaaten bereits jetzt, Systeme zu schaffen, die Anlegern eine Mindestgarantie in Höhe von 20 000 Euro bieten, obwohl die Schwelle in einer Reihe von Mitgliedstaaten höher ist. Die Richtlinie über Einlagensicherungssysteme wird gegenwärtig überprüft, um sicherzustellen, dass sie mit den Entwicklungen auf dem Markt Schritt hält. Was den Entwurf einer Richtlinie über Dienstleistungen im Binnenmarkt betrifft, möchte die Kommission daran erinnern, dass Finanzdienstleistungen aus dem Anwendungsbereich des Entwurfs über Dienstleistungen herausgenommen wurden. Darüber hinaus ist anzumerken, dass der Entwurf Bestimmungen zur Stärkung des Verbraucherschutzes enthält. Insbesondere Artikel 27 verpflichtet die Mitgliedstaaten, dafür Sorge zu tragen, dass die Dienstleistungserbringer, deren Dienstleistungen ein besonderes Gesundheits- oder Sicherheitsrisiko für den Dienstleistungsempfänger oder einen Dritten, oder ein besonderes finanzielles Risiko für den Dienstleistungsempfänger, darstellen, eine Berufshaftpflichtversicherung abschließen."@de⁹ ". Η Επιτροπή εκφράζει τη συμπάθειά της για τις πολλές χιλιάδες αντισυμβαλλόμενων και συνταξιοδοτούμενων που υπέστησαν σημαντική οικονομική ζημία, ως αποτέλεσμα των σοβαρών προβλημάτων τα οποία αντιμετώπισε η ασφαλιστική εταιρεία Equitable Life. Η Επιτροπή δεν διαδραματίζει άμεσο ρόλο στην εποπτεία των επιμέρους ασφαλιστικών εταιρειών. Αυτό αποτελεί αρμοδιότητα κάθε κράτους μέλους και, στην πράξη, επιτελείται από τις εποπτικές αρχές που διορίζονται για αυτόν τον σκοπό. Η Αρχή Χρηματοπιστωτικών Υπηρεσιών του Ηνωμένου Βασιλείου, αναγνωρίζοντας κάποιες αδυναμίες στο πρότερο καθεστώς και ανταπαντώντας σε επικρίσεις της έκθεσης Penrose, έχει δρομολογήσει σημαντική μεταρρύθμιση του ελέγχου των ασφαλιστικών επιχειρήσεων. Εν μέρει, αυτό αντικατοπτρίζει τα διδάγματα που εξήχθησαν από την υπόθεση της ασφαλιστικής εταιρείας Equitable Life. Όσον αφορά την καταβολή αποζημίωσης στις περιπτώσεις αποτυχίας της εθνικής εποπτείας, μπορεί να επιδιωχθεί επανόρθωση μόνο ενώπιον των εθνικών δικαστηρίων του εν λόγω κράτους μέλους. Σεβόμενη το κοινοτικό καθεστώς για τον τομέα των ασφαλειών και συντάξεων, η Επιτροπή εργάζεται επί του παρόντος για το πρόγραμμα Φερεγγυότητα II, στόχος του οποίου είναι να επιτευχθεί εν καιρώ ένα πιο εναρμονισμένο βασισμένο στους κινδύνους σύστημα εποπτείας και προληπτικής ρύθμισης όλων των ασφαλιστικών επιχειρήσεων σε ολόκληρη την Ευρωπαϊκή Ένωση. Η Επιτροπή συνεχίζει επίσης το διερευνητικό της έργο με τα κράτη μέλη σχετικά με συστήματα ασφάλισης και εγγύησης τα οποία θα μπορούσαν να αντιμετωπίσουν τις περιπτώσεις στις οποίες μια ασφαλιστική επιχείρηση που πτωχεύει δεν είναι σε θέση να ικανοποιήσει τις υποχρεώσεις της προς τους αντισυμβαλλόμενους και τους δικαιούχους. Πρέπει να σημειωθεί, ωστόσο, ότι η Equitable Life δεν ετέθη υπό εκκαθάριση και συνεχίζει να λειτουργεί ως εγκεκριμένη ασφαλιστική επιχείρηση, μολονότι έκλεισε δίνοντας τη θέση της σε μια νέα επιχείρηση. Όσον αφορά τον τραπεζικό τομέα, η οδηγία για τα συστήματα εγγύησης των καταθέσεων υποχρεώνει ήδη τα κράτη μέλη να καταρτίσουν συστήματα τα οποία θα προσφέρουν ελάχιστο επίπεδο εγγύησης 20 000 ευρώ στους καταθέτες, παρότι το ανώτατο όριο είναι υψηλότερο σε αρκετά κράτη μέλη. Η οδηγία για τα συστήματα εγγύησης των καταθέσεων βρίσκεται υπό αναθεώρηση, προκειμένου να διασφαλισθεί ότι εξακολουθεί να είναι σύμφωνη με τις εξελίξεις της αγοράς. Αναφορικά με την πρόταση οδηγίας για τις υπηρεσίες στην εσωτερική αγορά, η Επιτροπή θα ήθελε να υπενθυμίσει ότι οι χρηματοοικονομικές υπηρεσίες αποκλείονται από το πεδίο εφαρμογής της πρότασης για τις υπηρεσίες. Επιπλέον, πρέπει να σημειωθεί ότι η πρόταση για τις υπηρεσίες περιλαμβάνει διατάξεις οι οποίες ενισχύουν την προστασία του καταναλωτή. Συγκεκριμένα, το άρθρο 27 ζητεί από τα κράτη μέλη να διασφαλίσουν ότι παροχείς των οποίων οι υπηρεσίες παρουσιάζουν άμεσο και ιδιαίτερο κίνδυνο για την υγεία και την ασφάλεια του αποδέκτη ή τρίτου προσώπου, ή για την οικονομική ασφάλεια του αποδέκτη, θα υποχρεούνται να συνάψουν ασφάλεια επαγγελματικής ευθύνης."@el¹⁰ ". La Comisión se solidariza con los miles de titulares de pólizas de seguros y pensionistas que han sufrido cuantiosas pérdidas financieras a raíz de los graves problemas experimentados por la aseguradora Equitable Life. La Comisión no participa directamente en la supervisión de las aseguradoras, ya que esto es responsabilidad de cada Estado miembro y son, en la práctica, las autoridades de supervisión nombradas para tal efecto las que desarrollan esa labor. La Autoridad de Servicios Financieros del Reino Unido, al reconocer varias carencias en el antiguo régimen y al responder a las críticas recogidas en el informe Penrose, ha emprendido un importante proceso de reformas de la normativa aplicable a las compañías de seguros de vida. En parte, esto refleja las lecciones aprendidas del asunto de Equitable Life. En lo que respecta al pago de compensaciones en aquellos casos en los que ha fallado la supervisión nacional, estas olo podrán solicitarse acudiendo a los tribunales nacionales del Estado miembro en cuestión. En cuanto al régimen comunitario para el sector de los seguros y pensiones, la Comisión está trabajando en estos momentos en el proyecto Solvencia II, cuyo objetivo es lograr con el tiempo un sistema basado en riesgos más armonizado para la supervisión y la regulación prudencial de todas las compañías de seguros en la Unión Europea. La Comisión también prosigue su trabajo de exploración con los Estados miembros sobre los sistemas de garantías de seguro para situaciones en las que las aseguradoras no cumplen sus compromisos con los asegurados y beneficiarios. Cabe señalar, no obstante, que Equitable Life no entró en liquidación y sigue operando como compañía de seguros autorizada, aunque no pueda dedicarse a nuevos negocios. En lo que respecta al sector bancario, la Directiva sobre sistemas de garantía de depósitos ya obliga a los Estados miembros a establecer regímenes que ofrezcan un nivel de garantía mínimo de 20 000 euros a los depositantes, aunque el límite es mayor en varios Estados miembros. La Directiva sobre sistemas de garantía de depósitos está en proceso de revisión a fin de asegurar su adaptación a la evolución del mercado. En lo que respecta a la propuesta de Directiva sobre servicios en el mercado interior, la Comisión quiere recordar que los servicios financieros están excluidos del ámbito de aplicación de la propuesta sobre servicios. Asimismo, cabe señalar que esta propuesta incluye provisiones destinadas a mejorar la protección del consumidor. En particular, su artículo 27 prevé que los Estados miembros harán lo necesario para que los prestadores cuyos servicios presenten un riesgo especial para la salud o la seguridad o un riesgo económico especial para el destinatario o para terceros estén cubiertos por un seguro de responsabilidad profesional."@es²⁰ "The Commission has the greatest sympathy for the many thousands of policy-holders and pensioners who have suffered severe financial loss as a result of the serious problems encountered by the Equitable Life insurance company. The Commission has no direct role in the supervision of individual insurance undertakings. That is the responsibility of each Member State and is, in practice, carried out by the supervisory authorities appointed for that purpose. The United Kingdom Financial Services Authority, recognising certain weaknesses in the former regime and responding to criticisms in the Penrose report, has launched a major reform of the regulation of life insurance undertakings. In part this reflects the lessons learned from the Equitable Life affair. As regards the payment of compensation where national supervision has failed, redress can only be sought before the national courts of the Member State in question. With respect to the Community regime for the insurance and pension sector, the Commission is currently working on the Solvency II project, the aim of which is to achieve over time a more harmonised risk-based system for the supervision and prudential regulation of all insurance undertakings across the European Union. The Commission is also continuing its exploratory work with the Member States on insurance guarantee schemes that could deal with situations where an insurance undertaking fails and is unable to meet its commitments to policy-holders and beneficiaries. It should be noted, however, that Equitable Life did not enter into liquidation and continues to operate as an authorised insurance undertaking, albeit one that is closed to new business. As far as the banking sector is concerned, the Deposit Guarantee Schemes Directive already obliges Member States to set up schemes which offer a minimum guarantee level of EUR 20 000 to depositors, although the threshold is higher in a number of Member States. The Deposit Guarantee Schemes Directive is in the process of being reviewed in order to ensure that it is still in line with market developments. Concerning the proposal for a directive on services in the internal market, the Commission would like to recall that financial services are excluded from the scope of application of the services proposal. Furthermore, it should be noted that the services proposal includes provisions strengthening consumer protection. In particular, Article 27 requires Member States to ensure that providers whose services present a direct and particular risk to the health and safety of the recipient or a third person, or to the financial security of the recipient, would be obliged to take out professional indemnity insurance."@et⁵ ". Komissio suhtautuu erittäin myötätuntoisesti moniin tuhansiin vakuutuksenottajiin ja eläkeläisiin, joille on aiheutunut huomattavia taloudellisia menetyksiä Equitable Life -vakuutusyhtiön vakavien ongelmien vuoksi. Komissio ei suoraan valvo yksittäisten vakuutusyritysten toimintaa. Se kuuluu jäsenvaltioiden vastuualueeseen, ja valvonnasta vastaavat käytännössä kyseiseen tehtävään nimitetyt valvontaviranomaiset. Yhdistyneen kuningaskunnan rahoituspalveluviranomainen myöntää, että edellisessä järjestelmässä oli tiettyjä puutteita, ja vastatakseen Penrosen raportissa esitettyyn kritiikkiin se on pannut alulle suuren uudistuksen henkivakuutusyrityksiä koskevassa sääntelyssä. Siinä näkyvät osittain Equitable Life -vakuutusyhtiön tapauksesta saadut opetukset. Korvausten maksamisesta totean, että kun kansallinen valvonta on epäonnistunut, korvausta voidaan vaatia vain kyseisen jäsenvaltion kansallisissa tuomioistuimissa. Vakuutus- ja eläkealaa koskevasta yhteisön järjestelmästä totean, että komissio työskentelee parhaillaan Solvenssi II -hankkeen parissa, jonka tavoitteena on jossain vaiheessa toteuttaa nykyistä yhdenmukaisempi riskeihin perustuva järjestelmä kaikkien vakuutusyritysten valvomiseksi ja vakavaraisuuden sääntelemiseksi koko Euroopan unionissa. Komissio myös tutkii edelleen jäsenvaltioiden kanssa, millaisilla vakuutusalan takuurahastojärjestelmillä voitaisiin käsitellä sellaisia tilanteita, joissa vakuutusyritys epäonnistuu eikä pysty noudattamaan vakuutuksenottajille ja edunsaajille tekemiään sitoumuksia. On kuitenkin pantava merkille, ettei Equitable Life ole joutunut selvitystilaan vaan jatkaa toimintaansa toimiluvan saaneena vakuutusyrityksenä lukuun ottamatta yhtä, joka ei saa harjoittaa uutta liiketoimintaa. Pankkialalla jäsenvaltiot velvoitetaan jo talletusten vakuusjärjestelmistä annetussa direktiivissä perustamaan järjestelmiä, joissa tallettajille tarjotaan 20 000 euron vähimmäisvakuustaso, vaikkakin raja on suurempi joissakin jäsenvaltioissa. Talletusten vakuusjärjestelmistä annettua direktiiviä ollaan parhaillaan tarkistamassa, jotta se vastaisi markkinoiden kehitystä. Sisämarkkinapalveluja koskevasta direktiiviehdotuksesta totean, että komissio haluaa muistuttaa, että rahoituspalvelut eivät kuulu kyseisen ehdotuksen soveltamisalaan. Lisäksi on huomattava, että palveludirektiiviehdotuksessa on kuluttajansuojaa vahvistavia säännöksiä. Erityisesti 27 artiklan mukaan jäsenvaltioiden on varmistettava, että sellaisten palvelujen tarjoajilla, joihin sisältyy välitön ja erityinen terveys- tai turvallisuusriski tai taloudellinen riski vastaanottajan tai kolmannen henkilön kannalta, on ammatillinen vastuuvakuutus."@fi⁷ ". La Commission éprouve la plus grande compassion pour les milliers d’assurés et de retraités qui ont perdu de grandes sommes d’argent en raison des graves problèmes rencontrés par la compagnie d’assurances Equitable Life. La surveillance des différentes entreprises d’assurances n’est pas du ressort direct de la Commission. Cette responsabilité incombe à chaque État membre et, dans la pratique, est assurée par les autorités de contrôle désignées à cet effet. L’autorité britannique chargée des services financiers, après avoir identifié certains points faibles dans l’ancien régime et en réponse aux critiques formulées dans le rapport Penrose, a lancé une réforme de grande envergure de la réglementation sur les compagnies d’assurance-vie. Cette mesure reflète en partie les enseignements tirés de l’affaire Equitable Life. Pour ce qui est du dédommagement là où le contrôle national a failli, les parties lésées peuvent uniquement demander réparation devant les juridictions nationales de l’État membre en question. En ce qui concerne le régime communautaire du secteur des assurances et des pensions, la Commission travaille actuellement sur le projet Solvabilité II, qui vise à l’établissement à terme d’un système basé sur les risques plus uniforme pour la surveillance et la réglementation prudentielles de l’ensemble des compagnies d’assurances de l’Union européenne. La Commission continue également, en collaboration avec les États membres, d’explorer les fonds de garantie d’assurance qui pourraient intervenir lorsqu’une entreprise d’assurances rencontre des difficultés et se trouve dans l’impossibilité de tenir ses engagements vis-à-vis des assurés et des bénéficiaires. Toutefois, il y a lieu de souligner qu’Equitable Life n’a pas déposé son bilan et continue de vendre ses produits en tant que compagnie agréée, bien qu’elle soit fermée à toute nouvelle activité. En ce qui concerne le secteur bancaire, la directive relative aux systèmes de garantie des dépôts oblige déjà les États membres à mettre sur pied des systèmes qui offrent un niveau de garantie minimal de 20 000 euros aux déposants, bien que ce seuil soit supérieur dans un certain nombre d’États membres. La directive relative aux systèmes de garantie des dépôts est en cours d’examen de manière à assurer qu’elle soit encore conforme à l’évolution du marché. Pour ce qui est de la proposition de directive sur les services dans le marché intérieur, la Commission tient à rappeler que les services financiers sont exclus de son champ d’application. En outre, il convient de faire remarquer que cette proposition comporte des dispositions qui renforcent la protection des consommateurs. En particulier, l’article 27 impose aux États membres de faire en sorte que les fournisseurs dont les services présentent un risque direct et particulier pour la santé et la sécurité du destinataire ou d’une tierce personne, ou pour la sécurité financière du destinataire, soient obligés de souscrire une assurance de responsabilité civile professionnelle."@fr⁸ "The Commission has the greatest sympathy for the many thousands of policy-holders and pensioners who have suffered severe financial loss as a result of the serious problems encountered by the Equitable Life insurance company. The Commission has no direct role in the supervision of individual insurance undertakings. That is the responsibility of each Member State and is, in practice, carried out by the supervisory authorities appointed for that purpose. The United Kingdom Financial Services Authority, recognising certain weaknesses in the former regime and responding to criticisms in the Penrose report, has launched a major reform of the regulation of life insurance undertakings. In part this reflects the lessons learned from the Equitable Life affair. As regards the payment of compensation where national supervision has failed, redress can only be sought before the national courts of the Member State in question. With respect to the Community regime for the insurance and pension sector, the Commission is currently working on the Solvency II project, the aim of which is to achieve over time a more harmonised risk-based system for the supervision and prudential regulation of all insurance undertakings across the European Union. The Commission is also continuing its exploratory work with the Member States on insurance guarantee schemes that could deal with situations where an insurance undertaking fails and is unable to meet its commitments to policy-holders and beneficiaries. It should be noted, however, that Equitable Life did not enter into liquidation and continues to operate as an authorised insurance undertaking, albeit one that is closed to new business. As far as the banking sector is concerned, the Deposit Guarantee Schemes Directive already obliges Member States to set up schemes which offer a minimum guarantee level of EUR 20 000 to depositors, although the threshold is higher in a number of Member States. The Deposit Guarantee Schemes Directive is in the process of being reviewed in order to ensure that it is still in line with market developments. Concerning the proposal for a directive on services in the internal market, the Commission would like to recall that financial services are excluded from the scope of application of the services proposal. Furthermore, it should be noted that the services proposal includes provisions strengthening consumer protection. In particular, Article 27 requires Member States to ensure that providers whose services present a direct and particular risk to the health and safety of the recipient or a third person, or to the financial security of the recipient, would be obliged to take out professional indemnity insurance."@hu¹¹ "La Commissione nutre la massima comprensione per le molte migliaia di assicurati e pensionati che hanno subito gravi perdite finanziarie a seguito dei seri problemi che hanno interessato la compagnia di assicurazioni . La Commissione non ha alcun ruolo diretto nella vigilanza di singole imprese di assicurazioni, in quanto si tratta di un compito di cui è responsabile ciascuno Stato membro e che di fatto viene svolto dalle autorità designate a tale scopo. L’autorità britannica competente in materia di servizi finanziari, riconoscendo l’esistenza di talune lacune nel regime precedente e in risposta alle critiche mosse nella relazione Penrose, ha avviato una profonda riforma della normativa riguardante le imprese di assicurazione del ramo vita, basandosi in parte sugli insegnamenti tratti dalla vicenda della . Per quanto riguarda il pagamento di indennizzi nei casi di mancata sorveglianza a livello nazionale, è possibile presentare ricorso solo dinanzi ai tribunali nazionali dello Stato membro in questione. In merito al regime comunitario per il settore assicurativo e pensionistico, attualmente la Commissione sta lavorando al progetto Solvibilità II, il cui scopo è giungere nel corso del tempo a una maggiore armonizzazione del sistema basato sull’analisi dei rischi per la sorveglianza e la regolamentazione prudenziale di tutte le imprese di assicurazione nell’Unione europea nel complesso. La Commissione prosegue inoltre con gli Stati membri il lavoro esplorativo su sistemi di garanzia degli assicurati applicabili qualora un’impresa di assicurazione fallisca e non sia in grado di far fronte agli impegni presi nei confronti dei titolari e dei beneficiari di polizze. Va precisato tuttavia che la non è stata messa in liquidazione e che continua a operare quale impresa di assicurazione autorizzata, anche se le è preclusa la possibilità di accettare la stipula di nuove polizze. Per quanto riguarda il settore bancario, la direttiva relativa ai sistemi di garanzia dei depositi obbliga già gli Stati membri a istituire sistemi che offrano un livello minimo di garanzia di 20 000 euro ai depositanti, anche se in alcuni Stati membri il limite è più alto. Questa direttiva è in fase di revisione allo scopo di assicurare che sia ancora in linea con gli sviluppi del mercato. In merito alla proposta di direttiva relativa ai servizi nel mercato interno, la Commissione desidera rammentare che i servizi finanziari sono esclusi dal campo di applicazione di tale proposta. Va inoltre sottolineato che la proposta in questione comprende disposizioni che rafforzano la protezione dei consumatori. In particolare, l’articolo 27 stabilisce che gli Stati membri provvedono affinché i prestatori, i cui servizi presentano un rischio diretto e particolare per la salute o per la sicurezza del destinatario o di una terza persona o per la sicurezza finanziaria del destinatario, abbiano l’obbligo di essere coperti da un’assicurazione di responsabilità professionale."@it¹² "The Commission has the greatest sympathy for the many thousands of policy-holders and pensioners who have suffered severe financial loss as a result of the serious problems encountered by the Equitable Life insurance company. The Commission has no direct role in the supervision of individual insurance undertakings. That is the responsibility of each Member State and is, in practice, carried out by the supervisory authorities appointed for that purpose. The United Kingdom Financial Services Authority, recognising certain weaknesses in the former regime and responding to criticisms in the Penrose report, has launched a major reform of the regulation of life insurance undertakings. In part this reflects the lessons learned from the Equitable Life affair. As regards the payment of compensation where national supervision has failed, redress can only be sought before the national courts of the Member State in question. With respect to the Community regime for the insurance and pension sector, the Commission is currently working on the Solvency II project, the aim of which is to achieve over time a more harmonised risk-based system for the supervision and prudential regulation of all insurance undertakings across the European Union. The Commission is also continuing its exploratory work with the Member States on insurance guarantee schemes that could deal with situations where an insurance undertaking fails and is unable to meet its commitments to policy-holders and beneficiaries. It should be noted, however, that Equitable Life did not enter into liquidation and continues to operate as an authorised insurance undertaking, albeit one that is closed to new business. As far as the banking sector is concerned, the Deposit Guarantee Schemes Directive already obliges Member States to set up schemes which offer a minimum guarantee level of EUR 20 000 to depositors, although the threshold is higher in a number of Member States. The Deposit Guarantee Schemes Directive is in the process of being reviewed in order to ensure that it is still in line with market developments. Concerning the proposal for a directive on services in the internal market, the Commission would like to recall that financial services are excluded from the scope of application of the services proposal. Furthermore, it should be noted that the services proposal includes provisions strengthening consumer protection. In particular, Article 27 requires Member States to ensure that providers whose services present a direct and particular risk to the health and safety of the recipient or a third person, or to the financial security of the recipient, would be obliged to take out professional indemnity insurance."@lt¹⁴ "The Commission has the greatest sympathy for the many thousands of policy-holders and pensioners who have suffered severe financial loss as a result of the serious problems encountered by the Equitable Life insurance company. The Commission has no direct role in the supervision of individual insurance undertakings. That is the responsibility of each Member State and is, in practice, carried out by the supervisory authorities appointed for that purpose. The United Kingdom Financial Services Authority, recognising certain weaknesses in the former regime and responding to criticisms in the Penrose report, has launched a major reform of the regulation of life insurance undertakings. In part this reflects the lessons learned from the Equitable Life affair. As regards the payment of compensation where national supervision has failed, redress can only be sought before the national courts of the Member State in question. With respect to the Community regime for the insurance and pension sector, the Commission is currently working on the Solvency II project, the aim of which is to achieve over time a more harmonised risk-based system for the supervision and prudential regulation of all insurance undertakings across the European Union. The Commission is also continuing its exploratory work with the Member States on insurance guarantee schemes that could deal with situations where an insurance undertaking fails and is unable to meet its commitments to policy-holders and beneficiaries. It should be noted, however, that Equitable Life did not enter into liquidation and continues to operate as an authorised insurance undertaking, albeit one that is closed to new business. As far as the banking sector is concerned, the Deposit Guarantee Schemes Directive already obliges Member States to set up schemes which offer a minimum guarantee level of EUR 20 000 to depositors, although the threshold is higher in a number of Member States. The Deposit Guarantee Schemes Directive is in the process of being reviewed in order to ensure that it is still in line with market developments. Concerning the proposal for a directive on services in the internal market, the Commission would like to recall that financial services are excluded from the scope of application of the services proposal. Furthermore, it should be noted that the services proposal includes provisions strengthening consumer protection. In particular, Article 27 requires Member States to ensure that providers whose services present a direct and particular risk to the health and safety of the recipient or a third person, or to the financial security of the recipient, would be obliged to take out professional indemnity insurance."@lv¹³ "The Commission has the greatest sympathy for the many thousands of policy-holders and pensioners who have suffered severe financial loss as a result of the serious problems encountered by the Equitable Life insurance company. The Commission has no direct role in the supervision of individual insurance undertakings. That is the responsibility of each Member State and is, in practice, carried out by the supervisory authorities appointed for that purpose. The United Kingdom Financial Services Authority, recognising certain weaknesses in the former regime and responding to criticisms in the Penrose report, has launched a major reform of the regulation of life insurance undertakings. In part this reflects the lessons learned from the Equitable Life affair. As regards the payment of compensation where national supervision has failed, redress can only be sought before the national courts of the Member State in question. With respect to the Community regime for the insurance and pension sector, the Commission is currently working on the Solvency II project, the aim of which is to achieve over time a more harmonised risk-based system for the supervision and prudential regulation of all insurance undertakings across the European Union. The Commission is also continuing its exploratory work with the Member States on insurance guarantee schemes that could deal with situations where an insurance undertaking fails and is unable to meet its commitments to policy-holders and beneficiaries. It should be noted, however, that Equitable Life did not enter into liquidation and continues to operate as an authorised insurance undertaking, albeit one that is closed to new business. As far as the banking sector is concerned, the Deposit Guarantee Schemes Directive already obliges Member States to set up schemes which offer a minimum guarantee level of EUR 20 000 to depositors, although the threshold is higher in a number of Member States. The Deposit Guarantee Schemes Directive is in the process of being reviewed in order to ensure that it is still in line with market developments. Concerning the proposal for a directive on services in the internal market, the Commission would like to recall that financial services are excluded from the scope of application of the services proposal. Furthermore, it should be noted that the services proposal includes provisions strengthening consumer protection. In particular, Article 27 requires Member States to ensure that providers whose services present a direct and particular risk to the health and safety of the recipient or a third person, or to the financial security of the recipient, would be obliged to take out professional indemnity insurance."@mt¹⁵ "De Commissie is zeer begaan met de duizenden burgers met een polis of pensioen die grote verliezen hebben geleden als gevolg van de ernstige problemen waarin de levensverzekeringsmaatschappij Equitable Life is geraakt. De Commissie speelt geen directe rol bij het toezicht op afzonderlijke verzekeringspraktijken. Dat is een verantwoordelijkheid van de afzonderlijke lidstaten, die in de praktijk wordt uitgevoerd door autoriteiten die daarvoor zijn aangesteld. De Autoriteit Financiële Diensten van het Verenigd Koninkrijk heeft zwakke plekken geconstateerd in het oude bestel en in reactie op kritiek in het Penrose-rapport een belangrijke hervorming op gang gebracht van de regelgeving voor levensverzekeringen. Voor een deel komen die voort uit de lessen die zijn geleerd van de affaire Equitable Life. Voor betaling van schadevergoedingen in die gevallen waar nationaal toezicht heeft gefaald, zal men zich moeten wenden tot de rechtbank van de lidstaat in kwestie. Wat betreft een Gemeenschapsbestel voor verzekeringen en pensioenen werkt de Commissie momenteel aan het Solventie II-project, dat tot doel heeft op termijn te komen tot een op risico’s gebaseerd systeem voor toezicht en toezichtsrecht voor alle verzekeringspraktijken in de Europese Unie. De Commissie continueert ook samen met de lidstaten het verkennende werk met betrekking tot een garantiestelsel dat een oplossing biedt voor de situaties waarin een verzekeringsmaatschappij faalt en haar verplichtingen jegens polishouders en begunstigden niet kan nakomen. Het dient echter te worden opgemerkt dat Equitable Life niet failliet is gegaan en blijft opereren als bevoegde verzekeringsmaatschappij, zij het als onderneming zonder nieuwe zakelijke activiteiten. Met betrekking tot de banksector schrijft de richtlijn inzake depositogarantiestelsels de lidstaten al voor, stelsels in het leven te roepen waarbij een minimumbedrag van 20 000 euro wordt gegarandeerd aan hen die geld inleggen, al is de drempel in een aantal lidstaten hoger. De richtlijn inzake depositogarantiestelsels wordt herzien om te waarborgen dat zij blijft aansluiten op de ontwikkelingen op de markt. Met betrekking tot het voorstel voor een dienstenrichtlijn voor de interne markt, wil de Commissie graag in herinnering roepen dat financiële diensten niet binnen het bereik vallen waarop dat voorstel van toepassing is. Bovendien dient te worden opgemerkt dat in het voorstel voor de dienstenrichtlijn voorzieningen worden getroffen voor consumentenbescherming. In het bijzonder stelt artikel 27 aan lidstaten de eis dat zij garanderen dat aanbieders van diensten die een direct en duidelijk omlijnd risico inhouden voor de gezondheid en de veiligheid van afnemers van diensten of derden, of voor de financiële zekerheid van afnemers, verplicht worden een beroepsaansprakelijkheidsverzekering af te sluiten."@nl³ "The Commission has the greatest sympathy for the many thousands of policy-holders and pensioners who have suffered severe financial loss as a result of the serious problems encountered by the Equitable Life insurance company. The Commission has no direct role in the supervision of individual insurance undertakings. That is the responsibility of each Member State and is, in practice, carried out by the supervisory authorities appointed for that purpose. The United Kingdom Financial Services Authority, recognising certain weaknesses in the former regime and responding to criticisms in the Penrose report, has launched a major reform of the regulation of life insurance undertakings. In part this reflects the lessons learned from the Equitable Life affair. As regards the payment of compensation where national supervision has failed, redress can only be sought before the national courts of the Member State in question. With respect to the Community regime for the insurance and pension sector, the Commission is currently working on the Solvency II project, the aim of which is to achieve over time a more harmonised risk-based system for the supervision and prudential regulation of all insurance undertakings across the European Union. The Commission is also continuing its exploratory work with the Member States on insurance guarantee schemes that could deal with situations where an insurance undertaking fails and is unable to meet its commitments to policy-holders and beneficiaries. It should be noted, however, that Equitable Life did not enter into liquidation and continues to operate as an authorised insurance undertaking, albeit one that is closed to new business. As far as the banking sector is concerned, the Deposit Guarantee Schemes Directive already obliges Member States to set up schemes which offer a minimum guarantee level of EUR 20 000 to depositors, although the threshold is higher in a number of Member States. The Deposit Guarantee Schemes Directive is in the process of being reviewed in order to ensure that it is still in line with market developments. Concerning the proposal for a directive on services in the internal market, the Commission would like to recall that financial services are excluded from the scope of application of the services proposal. Furthermore, it should be noted that the services proposal includes provisions strengthening consumer protection. In particular, Article 27 requires Member States to ensure that providers whose services present a direct and particular risk to the health and safety of the recipient or a third person, or to the financial security of the recipient, would be obliged to take out professional indemnity insurance."@pl¹⁶ "A Comissão tem a maior simpatia pelos muitos milhares de detentores de seguros e de reformados que sofreram grandes prejuízos financeiros em consequência dos graves problemas enfrentados pela seguradora ''Equitable Life''. A Comissão não intervém directamente na supervisão das seguradoras individuais, que é da competência dos Estados-Membros e que, na prática, é efectuada pelas autoridades de supervisão designadas para o efeito. A Autoridade dos Serviços Financeiros do Reino Unido, reconhecendo certas deficiências do regime anterior e em resposta às críticas do relatório Penrose, iniciou uma grande reforma da regulação das empresas de seguros de vida que reflecte em parte as lições extraídas do caso ''Equitable Life''. No que se refere ao pagamento de indemnizações quando a supervisão nacional falhou, essa reparação só pode ser pedida aos tribunais nacionais do Estado-Membro em questão. No que diz respeito ao regime comunitário aplicável ao sector das seguradoras e dos fundos de pensões, a Comissão está a trabalhar actualmente no projecto Solvabilidade II, cuja finalidade consiste em criar, com o tempo, um sistema baseado nos riscos e mais harmonizado de supervisão e regulamentação prudencial de todas as seguradoras da União Europeia. A Comissão está também a prosseguir, em colaboração com os Estados-Membros, o seu trabalho exploratório sobre sistemas de garantia de seguros que permitam fazer face a situações em que uma companhia de seguros abre falência e não pode satisfazer os seus compromissos com os detentores e os beneficiários de seguros. Observe-se, porém, que a ''Equitable Life'' não abriu falência e continua a exercer a sua actividade de companhia de seguros autorizada, apesar de não aceitar novos clientes. No que se refere ao sector bancário, a Directiva relativa ao sistema de garantia de depósitos obriga já os Estados-Membros a instituírem sistemas que assegurem um nível mínimo de garantia de 20 000 euros aos depositantes, se bem que em vários Estados-Membros esse nível mínimo seja mais elevado. A Directiva relativa ao sistema de garantia de depósitos está a ser revista, para garantir que acompanhe a evolução do mercado. No que se refere à proposta de directiva relativa aos serviços no mercado interno, a Comissão gostaria de recordar que os serviços financeiros são excluído dos âmbito de aplicação da proposta. Além disso, observe-se que a proposta relativa aos serviços inclui disposições que reforçam a protecção dos consumidores. O artigo 27º, nomeadamente, exige que os Estados-Membros assegurem que os prestadores cujos serviços apresentem um risco específico para a saúde ou segurança ou um risco financeiro específico para o destinatário sejam abrangidos por um seguro de responsabilidade profissional."@pt¹⁷ "The Commission has the greatest sympathy for the many thousands of policy-holders and pensioners who have suffered severe financial loss as a result of the serious problems encountered by the Equitable Life insurance company. The Commission has no direct role in the supervision of individual insurance undertakings. That is the responsibility of each Member State and is, in practice, carried out by the supervisory authorities appointed for that purpose. The United Kingdom Financial Services Authority, recognising certain weaknesses in the former regime and responding to criticisms in the Penrose report, has launched a major reform of the regulation of life insurance undertakings. In part this reflects the lessons learned from the Equitable Life affair. As regards the payment of compensation where national supervision has failed, redress can only be sought before the national courts of the Member State in question. With respect to the Community regime for the insurance and pension sector, the Commission is currently working on the Solvency II project, the aim of which is to achieve over time a more harmonised risk-based system for the supervision and prudential regulation of all insurance undertakings across the European Union. The Commission is also continuing its exploratory work with the Member States on insurance guarantee schemes that could deal with situations where an insurance undertaking fails and is unable to meet its commitments to policy-holders and beneficiaries. It should be noted, however, that Equitable Life did not enter into liquidation and continues to operate as an authorised insurance undertaking, albeit one that is closed to new business. As far as the banking sector is concerned, the Deposit Guarantee Schemes Directive already obliges Member States to set up schemes which offer a minimum guarantee level of EUR 20 000 to depositors, although the threshold is higher in a number of Member States. The Deposit Guarantee Schemes Directive is in the process of being reviewed in order to ensure that it is still in line with market developments. Concerning the proposal for a directive on services in the internal market, the Commission would like to recall that financial services are excluded from the scope of application of the services proposal. Furthermore, it should be noted that the services proposal includes provisions strengthening consumer protection. In particular, Article 27 requires Member States to ensure that providers whose services present a direct and particular risk to the health and safety of the recipient or a third person, or to the financial security of the recipient, would be obliged to take out professional indemnity insurance."@sk¹⁸ "The Commission has the greatest sympathy for the many thousands of policy-holders and pensioners who have suffered severe financial loss as a result of the serious problems encountered by the Equitable Life insurance company. The Commission has no direct role in the supervision of individual insurance undertakings. That is the responsibility of each Member State and is, in practice, carried out by the supervisory authorities appointed for that purpose. The United Kingdom Financial Services Authority, recognising certain weaknesses in the former regime and responding to criticisms in the Penrose report, has launched a major reform of the regulation of life insurance undertakings. In part this reflects the lessons learned from the Equitable Life affair. As regards the payment of compensation where national supervision has failed, redress can only be sought before the national courts of the Member State in question. With respect to the Community regime for the insurance and pension sector, the Commission is currently working on the Solvency II project, the aim of which is to achieve over time a more harmonised risk-based system for the supervision and prudential regulation of all insurance undertakings across the European Union. The Commission is also continuing its exploratory work with the Member States on insurance guarantee schemes that could deal with situations where an insurance undertaking fails and is unable to meet its commitments to policy-holders and beneficiaries. It should be noted, however, that Equitable Life did not enter into liquidation and continues to operate as an authorised insurance undertaking, albeit one that is closed to new business. As far as the banking sector is concerned, the Deposit Guarantee Schemes Directive already obliges Member States to set up schemes which offer a minimum guarantee level of EUR 20 000 to depositors, although the threshold is higher in a number of Member States. The Deposit Guarantee Schemes Directive is in the process of being reviewed in order to ensure that it is still in line with market developments. Concerning the proposal for a directive on services in the internal market, the Commission would like to recall that financial services are excluded from the scope of application of the services proposal. Furthermore, it should be noted that the services proposal includes provisions strengthening consumer protection. In particular, Article 27 requires Member States to ensure that providers whose services present a direct and particular risk to the health and safety of the recipient or a third person, or to the financial security of the recipient, would be obliged to take out professional indemnity insurance."@sl¹⁹ ". Kommissionen hyser den allra största medkänsla för de många tusentals försäkringstagare och pensionärer som har förlorat mycket pengar till följd av försäkringsbolaget Equitable Lifes allvarliga problem. Kommissionen har inte någon direkt tillsynsfunktion när det gäller enskilda försäkringsbolag. Detta är något som åligger varje enskild medlemsstat och i praktiken utförs det av en tillsynsmyndighet som har utsetts just för detta ändamål. Förenade kungarikets särskilda myndighet för finansiella tjänster, som konstaterade vissa brister i det tidigare systemet och svarade på kritiken i Penrose-rapporten, har inlett en omfattande reform när det gäller regleringen av livförsäkringsföretag. Detta återspeglar till viss del de lärdomar som har gjorts i samband med Equitable Life-affären. När det gäller frågan om skadeståndsbetalningar vid bristande nationell tillsyn, kan rättslig prövning endast ske vid de nationella domstolarna i den berörda medlemsstaten. Med hänsyn till gemenskapens reglering av försäkrings- och pensionssektorn arbetar kommissionen för närvarande med Solvency II-projektet. Syftet med detta projekt är att på sikt uppnå ett mer harmoniserat riskbaserat system för tillsyn och tillsynsreglering av samtliga försäkringsföretag i Europeiska unionen. Tillsammans med medlemsstaterna fortsätter kommissionen också att undersöka om försäkringsgarantisystem skulle kunna utnyttjas i lägen där ett försäkringsföretag misslyckas och inte kan uppfylla sina åtaganden till försäkringstagare och förmånstagare. Det bör emellertid noteras att Equitable Life inte har gått i konkurs utan fortsätter sin verksamhet som ett auktoriserat försäkringsbolag, även om det inte får inleda ny affärsverksamhet. När det gäller banksektorn fastställs det i direktivet om system för garanti av insättningar att medlemsstaterna redan nu måste upprätta system som ger insättarna en lägsta garantinivå på 20 000 euro, även om tröskeln är högre i vissa medlemsstater. För närvarande görs det en översyn av direktivet om system för garanti av insättningar för att det fortfarande ska vara i linje med marknadsutvecklingen. Beträffande förslaget till ett direktiv om tjänster på den inre marknaden vill kommissionen erinra om att finansiella tjänster är undantagna från tillämpningsområdet för förslaget till tjänstedirektiv. Det bör dessutom noteras att förslaget till tjänstedirektiv omfattar bestämmelser som ger ett starkare konsumentskydd. Här bör särskilt artikel 27 nämnas, där det fastslås att medlemsstaterna ska se till att de tillhandahållare vars tjänster utgör en särskild hälso- eller säkerhetsrisk, eller medför en särskild ekonomisk risk för tjänstemottagaren, ska omfattas av en yrkesansvarsförsäkring."@sv²¹
lpv:unclassifiedMetadata	"Charlie McCreevy,"^{5,19,15,1,18,14,16,11,11,13,4} "Equitable Life"¹² "Member of the Commission"^{5,19,15,1,18,14,16,11,11,13,4}