Mar 4, 2016 11:13
8 yrs ago
7 viewers *
Italian term

Affidamento commerciale

Italian to English Bus/Financial Business/Commerce (general) descrizione di un portafo
Vorrei avere una conferma (o una proposta migliore della mia) del corrispettivo in inglese di "affidamenti commerciali", intendendo le risposte di fido da parte dell’assicurazione per valutare la solidità aziendale dei clienti: "credit reliability".

Grazie in anticipo.

Discussion

James (Jim) Davis Mar 5, 2016:
Thank you Caterina Now it all makes sense. With only a short piece of the text, it is like a guessing game.
Caterina Cutrupi (asker) Mar 5, 2016:
when I asked my client to explain "affidamento commenrciale", she replied: "per affidamento commerciale intendiamo che verranno valutate le risposte di fido da parte dell’assicurazione per valutare la solidità aziendale dei clienti". That's all.
Caterina Cutrupi (asker) Mar 5, 2016:
Hi James. thanks for your As I said, it's a short letter, with no much more context than the sentences below, including the words "affidamenti commerciali":
"- In caso di ricezione di ordinativi da clienti nuovissimi (ad oggi non anagrafati) o di clienti già anagrafati per cui il rapporto commerciale si sia chiuso da oltre 2 stagioni, gli ordini verranno regolarmente processati dagli Agenti o dai diretti Responsabili Aziendali MA accompagnati obbligatoriamente da una mail che segnali la posizione particolare di cliente nuovissimo o cliente con cui si riprenda un rapporto interrotto;
- Gli ordini rimarranno on-hold e non visibili per i lanci di produzione fino al momento in cui arriverranno e saranno valutati i relativi affidamenti commerciali;
- La stessa procedura dovrà essere applicata ad ordinativi ricevuti da clienti già in portafoglio che superino complessivamente le 200 paia in riferimento ai valori storici di acquisto; "
James (Jim) Davis Mar 5, 2016:
Hi Caterina It is difficult to understand why you don't want to just copy and paste five to ten lines of the original Italian. Where does the "risposte di fido da parte dell’assicurazione" come in, when you say it is a letter from a shoe company. If we ignore this, then they are saying that they aren't going to launch production on an order until they know that the customer has been granted a credit line (presumably to purchase the orders) and until they have assessed it. If we can see more of the surrounding text, we can see a good way of translating it. A customer may have a very high credit rating, but if he is already borrowing on it he won't get a new loan.
philgoddard Mar 4, 2016:
Neither of their answers fits your sentence, though that's not their fault because they didn't have the full context, and we still don't. But I'm glad you feel your question has been answered.
Caterina Cutrupi (asker) Mar 4, 2016:
These are the author's words when I asked myself clarifications. Anyway, it's very nice of you to worry about that, but I think that Lara and Ana Claudia have already been sufficiently helpful to me. Thanks a lot.
philgoddard Mar 4, 2016:
I don't understand what you mean by "risposte di fido da parte dell' assicurazione".
Caterina Cutrupi (asker) Mar 4, 2016:
it's a simple letter - from a company manufacturing shoes - informing the addressees (agents, distributors, who knows?) that a new procedure regarding receipt of orders from new customers has been implemented. The author requires that orders come with additional information on such customers, including "affidamento commerciale".

Sorry Phil, I cannot be more exhaustive than this.
philgoddard Mar 4, 2016:
Sorry if I'm being slow, but I still don't understand the context. What is this about? What is the role of the insurance company? And could I trouble you for a bit more of the surrounding text?
Caterina Cutrupi (asker) Mar 4, 2016:
"Gli ordini rimarranno on-hold e non visibili per i lanci di produzione fino al momento in cui arriverranno e saranno valutati i relativi affidamenti commerciali".
philgoddard Mar 4, 2016:
Please could we have the sentence containing the phrase.

Proposed translations

1 day 4 hrs
Selected

trade credit approval

In banking an "affidamento" is approval or authorisation for a credit line of some sort. Here it is for trade credit.

They must have a "trade credit" insurance policy. They will check new customers against credit rating bureau's and won't payout if the customer is not approved by them.
https://en.wikipedia.org/wiki/Trade_credit_insurance


https://www.google.com/search?num=30&safe=off&hl=en&q=trade ...

Trade Credit Terms Checklist - Funding Gates
https://www.fundinggates.com/tools/credit-approval/
When you're running your business on trade credit, it's important to have an approval process. ... Set the minimum criteria for your trade credit approval process.
Credit Evaluation and Approval - Encyclopedia - Business ...
www.inc.com/encyclopedia/credit-evaluation-and-approval.htm...
Inc.
Granting credit approval depends on the willingness of the creditor to lend money ... is regulated by the Federal Trade Commission (FTC) to ensure fairness and ...
Note from asker:
Thanks a lot, Jim. Indeed, this fits much better.
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4 KudoZ points awarded for this answer.
+1
42 mins

creditworthiness / reliability

A possibility. Creditworthiness and reliability could be defined as two separate elements if the process of insurance rating is broken down in detail. But on a more general level, I would say that if you want to use a "credit"-related term "creditworthiness" could work.

" What is 'Creditworthiness'
An assessment of the likelihood that a borrower will default on his or her debt obligations. It is based upon factors, such as his/her history of repayment and credit score. Lending institutions also consider the availability of assets and extent of liabilities to determine the probability of default."
http://www.investopedia.com/terms/c/credit-worthiness.asp
Note from asker:
thanks a lot!
Peer comment(s):

agree Peter Cox
1 day 16 hrs
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1 hr

credit reliability


I find your translation of *affidamento commerciale* impeccable. Here below you can find some examples that confirm the use in the same context:

[…] despite their credit-checking system, they have a more sensible approach than some banks (who judge you not just in terms of your *credit reliability*, but also your potential in making them money).
http://www.moneymagpie.com/article/cant-get-a-loan-wont-get-...

Life insurance UK: [...] you'll save eliminate debt the next limited time and for that reason repair ones own *credit reliability*.
http://www.linuxjournal.com/node/1093443

More context, in Italian:
*affidabilità creditizia*
http://www.infoprestitisulweb.it/prestiti/come-migliorare-la...

Pagina 48: *affidamento commerciale*
https://books.google.es/books?isbn=8846449029
Note from asker:
Many thanks!
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