14:26 Nov 8, 2013
This question was closed without grading. Reason: Other

French to English translations [PRO]
Bus/Financial - Finance (general) / Current account contract
French term or phrase: créances
I am checking a translation for somebody and am not sure that they got this right.

I am not at all sure that claims is the right word here.

D’une façon générale, le compte courant produira les effets juridiques et usuels attachés à une telle convention, transformant toutes les opérations en simples articles de crédit et de débit, étant entendu que lorsque les *créances* seront inscrites dans des comptes distincts, ces comptes seront considérés comme des chapitres d’un compte courant unique, générateur d’un solde immédiatement disponible en euros. A ce titre, les *créances* réciproques du CLIENT et de la BANQUE, nées des opérations que ceux-ci traiteront en semble, quelle que soit la monnaie utilisée, entreront dans ce compte, dès la conclusion des opérations dont elles seront issues indépendamment de leur date de comptabilisation, à l’exception de toute *créance* que la BANQUE ou le CLIENT, déciderait d’exclure de ce compte courant unique. Les créances exprimées en devises sont converties en euros sur la base des derniers cours indicatifs diffusés par la BANQUE.
Hermien Desaivre
South Africa
Local time: 16:48

Summary of answers provided
5 +4(Account) Receivables
Manoj Chauhan
4 -1transactions
3 -1liabilities (only in this context)
Summary of reference entries provided
Accounts payable

Discussion entries: 2



4 mins   confidence: Answerer confidence 5/5 peer agreement (net): +4
(Account) Receivables


Manoj Chauhan
Local time: 20:18
Works in field
Native speaker of: Native in EnglishEnglish
PRO pts in category: 6

Peer comments on this answer (and responses from the answerer)
agree  Lorraine Dubuc
25 mins
  -> Thanks Lorraine

agree  Timothy Rake
27 mins
  -> Thanks Timothy

disagree  Daryo: That’s used in a different context, in company accounts for “invoices still unpaid" - the money you deposit in a bank account (and the bank owes you) can't be called (Account) Receivables - be it personal, business, charity, trustee or whatever account.
29 mins
  -> Then why you are not sure in your previous answer when some one realizes that you are wrong then you are wrong !, Its shows that you are dependent on others mind

agree  cecilea7: receivables for businesses or deposits for personal accounts.
1 hr
  -> Thanks Cecilea

disagree  philgoddard: I agree with Daryo. This is not an appropriate term in the context.
1 hr
  -> Thanks Daryo, If I wrong

agree  Jean-Claude Gouin
1 hr
  -> Thanks for your kind words and while consider in past, I really appreciated your kind consideration which shows that you are a good minded person and really have a mind that appreciate another human being, I like your nature as anyone doesn't have.

agree  GILOU
12 hrs
  -> Thanks GILOU

agree  rkillings: Leave out the word 'accounts'. *Any amount owed to you* is a "receivable" (=amount receivable) for you. And vice versa for a "payable".
1 day 6 hrs
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1 hr   confidence: Answerer confidence 3/5Answerer confidence 3/5 peer agreement (net): -1
liabilities (only in this context)

strictly speaking "liability" describes the same thing as "une créance", but from the point of view of the other party; as in this ST only two parties are involved, the end result is exactly the same, with the advantage that "liability" is definiltely in the banker's jargon.

"Liability (financial accounting)

In financial accounting, a liability is defined as an obligation of an entity arising from past transactions or events, the settlement of which may result in the transfer or use of assets, provision of services or other yielding of economic benefits in the future. ..."


United Kingdom
Local time: 15:48
Specializes in field
Native speaker of: Native in SerbianSerbian, Native in FrenchFrench
PRO pts in category: 148

Peer comments on this answer (and responses from the answerer)
disagree  Manoj Chauhan: Not in this context
5 mins
  -> ?? so far all I see is "créances nées des opérations bancaires (=> opérations entre le CLIENT et la BANQUE); looks like this ST is about banking / bank accounts; I can’t see any company invoicing for sold goods / services ...
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1 hr   confidence: Answerer confidence 4/5Answerer confidence 4/5 peer agreement (net): -1

It's important to remember that the context is a contract between a bank and an accountholder. As I mentioned in my answer to Hermien's other question, "différé du compte", the French uses slightly old-fashioned accounting language here - créance, chapitre, comptabilisation - where English would not.

I don't think any of the previous suggestions, receivables, liabilities or accounts payable, works in this specific context. Here, a "créance" is simply an amount due by the bank to the customer or vice versa, which can be glossed as "transaction". If this sounds unlikely, try replacing each instance of "créance" with "transaction", and you'll see it makes perfect sense.

The second instance of the word is this:
"créances réciproques du CLIENT et de la BANQUE, nées des opérations que ceux-ci traiteront ensemble."

I would translate this simply as "transactions between the bank and the customer".

United States
Specializes in field
Native speaker of: Native in EnglishEnglish
PRO pts in category: 194
Notes to answerer
Asker: Thanks for the explanation.

Peer comments on this answer (and responses from the answerer)
neutral  Daryo: could be an elegant work-around, but with some rephrasing; namely, a "transaction" is a change that happens at one point in time, while a "créance" is a lasting state of financial relationship
13 mins
  -> I don't think that distinction is meaningful in this context. A transaction creates a "créance", and you can use one as a synonym for the other. If you think it's an elegant workaround, you should agree with it :-)

disagree  Manoj Chauhan: this is totally different which the requestee is required
23 mins
  -> This is what I am explaining in my explanation.
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Reference comments

1 hr peer agreement (net): +2
Reference: Accounts payable

Reference information:
"Accounts payable

Accounts payable is money owed by a business to its suppliers shown as a liability on a company's balance sheet. It is distinct from notes payable liabilities, which are debts created by formal legal instrument documents. ..."

Note added at 1 hr (2013-11-08 16:23:01 GMT)

and the mirror term:

"Accounts receivable

Accounts receivable represents money owed by entities to the firm on the sale of products or services on credit. In most business entities, accounts receivable is typically executed by generating an invoice and either mailing or electronically delivering it to the customer, who, in turn, must pay it within an established timeframe, called credit terms[2] or payment terms. ...
Accounts receivable are shown in the balance sheet as asset. It is one of a series of accounting transactions dealing with the billing of a customer for goods and services that the customer has ordered. These may be distinguished from notes receivable, which are debts created through formal legal instruments called promissory notes. ..."

Note added at 11 hrs (2013-11-09 02:13:34 GMT)

A quite unusual reference – for the purpose of showing what IS NOT relevant to the ST

United Kingdom
Specializes in field
Native speaker of: Native in SerbianSerbian, Native in FrenchFrench
PRO pts in category: 148
Note to reference poster
Asker: Thank you so much for going to all this trouble. Many people learned from this, including myself, the person who did the test translation and the agency who requested it!

Peer comments on this reference comment (and responses from the reference poster)
agree  writeaway: absolutely. I asked an expert in the field and was told that accounts receivable is absolutely the wrong term in the context of this question.
20 hrs
  -> Thanks! au risque de me répéter, doing a bit of research is not such a bad method, the devil being in small details ... You learn from your own past mistakes, or not ...
agree  philgoddard: I'm glad you clarified that this is the wrong answer :-)
4 days
  -> Thanks! It's not often that you have to give refs for the wrong answer!
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