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upon a collectibility guarantee

Romanian translation: imprumut garantat/ sau imprumut la care se ofera o garantie de catre beneficiarul imprumutului

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11:46 May 28, 2003
English to Romanian translations [PRO]
Bus/Financial
English term or phrase: upon a collectibility guarantee
As most major companies deal with exports, banks can offer short time credit to exporters until they recoup the money from importers, upon a collectibility guarantee for the lending bank. The usual procedures in the lending to individuals include the receipt of the application and required information, evaluation of the collectibility and collateral, decision on the loan amount, approval from the proper committee, legal evaluation and examination of the collateral, signing the contract and disbursement of the amount. (Este vorba cumva de o garantie in ceea ce priveste capacitatea de incasare, respectiv evaluarea acestei capacitati de incasare)
dianasava
Romania
Local time: 05:53
Romanian translation:imprumut garantat/ sau imprumut la care se ofera o garantie de catre beneficiarul imprumutului
Explanation:
firma exportatoare trebuie sa ofere bancii o garantie ca-si va colecta banii
nu e vorba de evaluarea capacitatii de recuperare a imprumutul, banca oricum face asta indiferent de conditii, aici e vorba de o garantie materiala - vezi ca zice "examination of the collateral" - asta e evaluarea bunului oferit spre garantie (care poate fi din pacate tot restul afacerii de exemplu :):):), garantie ca banca isi va recupera banii mai ales ca e vorba de imprumuturi pe termen scurt
( si banuiesc ca dobanzile depasesc orice imaginatie rezonabila :):):)
Selected response from:

Anca Nitu
Local time: 22:53
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4 KudoZ points were awarded for this answer

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Summary of answers provided
5Corect
Daniela McKeeby
4 -1imprumut garantat/ sau imprumut la care se ofera o garantie de catre beneficiarul imprumutuluiAnca Nitu


  

Answers


4 hrs   confidence: Answerer confidence 4/5Answerer confidence 4/5 peer agreement (net): -1
imprumut garantat/ sau imprumut la care se ofera o garantie de catre beneficiarul imprumutului


Explanation:
firma exportatoare trebuie sa ofere bancii o garantie ca-si va colecta banii
nu e vorba de evaluarea capacitatii de recuperare a imprumutul, banca oricum face asta indiferent de conditii, aici e vorba de o garantie materiala - vezi ca zice "examination of the collateral" - asta e evaluarea bunului oferit spre garantie (care poate fi din pacate tot restul afacerii de exemplu :):):), garantie ca banca isi va recupera banii mai ales ca e vorba de imprumuturi pe termen scurt
( si banuiesc ca dobanzile depasesc orice imaginatie rezonabila :):):)

Anca Nitu
Local time: 22:53
Native speaker of: Native in RomanianRomanian
PRO pts in pair: 3372

Peer comments on this answer (and responses from the answerer)
disagree  Daniela McKeeby: din pacate este vorba de evaluarea capacitatii de recuperare
13 hrs
  -> fiecare are dreptul la o parere
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15 hrs   confidence: Answerer confidence 5/5
Corect


Explanation:
Este vorba despre o garantie privitoare la capacitatea de incasare a facturii. Acest tip de imprumut este foarte des folosit in US. Datorita faptului ca exportatorul trebuie sa plateasca furnizorul inainte de a primi banii de la importator (in cazul unei fabrici exportatoare - fabrica trebuie sa cumpere materia prima pt. continuarea productiei,etc.), banca avanseaza exportatorului o parte din valoarea facturii si , la randul ei, incaseaza banii de la importator. De obicei aceasta garantie este sub forma de scrisoare de credit dar nu in mod necesar. Banca (in US) va lua in considerare reputatia importatorului, durata legaturilor de afaceri dintre importator si exportator, precum si alt tip de garantii oferite de exportator (exportatorul poate oferi un "collateral" pt. situatia in care importatorul nu va plati factura)

Daniela McKeeby
United States
Local time: 22:53
Native speaker of: Native in EnglishEnglish, Native in RomanianRomanian
PRO pts in pair: 129
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