Feb 26, 2022 00:19
2 yrs ago
38 viewers *
français term
États-Unis
Meticulously crafted translations
Native in: anglais (Variant: US) 
Works in: français vers anglais, néerlandais vers anglais, flamand vers anglais
remise des placements
français vers anglais
Affaires / Finance
Finance (général)
In an email from a Swiss bank to an investor with subject "Avis d'échéance - avance ferme":
"Veuillez procéder à la *remise des placements* au plus tard deux jours ouvrables avant la date de valeur."
Later on in the email, it advises users of a certain kind of software to "proroger les placements dans [name of software]".
So I'm thinking "remise" has a sense of "extend" here, but am not 100% sure.
Any help greatly appreciated.
"Veuillez procéder à la *remise des placements* au plus tard deux jours ouvrables avant la date de valeur."
Later on in the email, it advises users of a certain kind of software to "proroger les placements dans [name of software]".
So I'm thinking "remise" has a sense of "extend" here, but am not 100% sure.
Any help greatly appreciated.
Proposed translations
(anglais)
Proposed translations
7 minutes
Andrew Bramhall
Royaume-Uni
Royaume-Uni
Native in anglais
Royaume-Uni
Flair and accuracy tailored to your text
Native in: anglais 
Works in: espagnol vers anglais, allemand vers anglais
Related KudoZ points
:
25
Remittance of investments
"Please go ahead with remittance of investments no later than two business days prior to value date.
Peer comment(s):
| neutral |
Daryo
: trap alert - this is Swiss French + while "remittance and/or investments" does make sense "Remittance of investments" sounds like a "non-allowed" mixing of terms.
7 heures
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Yep, thanks;
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13 heures
Conor McAuley
France
France
Native in anglais
Specializes in field
France
Excellence, Expertise & Experience
Native in: anglais (Variants: UK, Scottish, Irish, British, Wales / Welsh)
Works in: français vers anglais, anglais
Related KudoZ points
:
127
Please execute the following investment instructions (as a workaround)
I'm going with, "Please execute the following investment instructions (...)".
Not much of the documents I have make much sense to an educated layperson, so I'm going with something safe and neutral.
"remise": we don't even know which direction the investments are going in...this means, roughly, "put back", or return, but put back or return to where?
(Note the emails concern the bank writing to the investment company.)
Finance people will understand what's going on from the other details.
This is proposed more as a workaround than as a solution per se.
Not much of the documents I have make much sense to an educated layperson, so I'm going with something safe and neutral.
"remise": we don't even know which direction the investments are going in...this means, roughly, "put back", or return, but put back or return to where?
(Note the emails concern the bank writing to the investment company.)
Finance people will understand what's going on from the other details.
This is proposed more as a workaround than as a solution per se.
1 heure
Francois Boye
États-Unis
États-Unis
Native in français
Specializes in field
États-Unis
An economic geek with social skills
Native in: français
Works in: anglais vers français, français vers anglais, espagnol vers anglais, and 1 more.
Related KudoZ points
:
305
transfer of investment funds
The investment funds transferred into the debt issuer's account
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Note added at 15 hrs (2022-02-26 15:54:11 GMT)
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In a credit market, aka debt market, borrowers issue debt instruments of all kinds. Investors, aka lenders, choose the debt instruments fitting their return and risk mix and invest (placement) in them.
Investing in a debt instrument entails transferring the investment funds to its issuer.
--------------------------------------------------
Note added at 15 hrs (2022-02-26 15:54:11 GMT)
--------------------------------------------------
In a credit market, aka debt market, borrowers issue debt instruments of all kinds. Investors, aka lenders, choose the debt instruments fitting their return and risk mix and invest (placement) in them.
Investing in a debt instrument entails transferring the investment funds to its issuer.
Peer comment(s):
| neutral |
Daryo
: trap alert - this is Swiss French - there is no "investment" in this story. // have you checked what is "une avance ferme" in the Swiss banking system? You really don't like the most basic concept of "context"?
6 heures
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investors buy the debt issued by debtors: this is basic finance
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1 jour 12 heures
Adrian MM.
Autriche
Autriche
Native in anglais
Specializes in field
Autriche
Retd.T&I, Barrister & Austro-Advokat
Native in: anglais (Variants: Scottish, British)
Works in: espagnol vers anglais, anglais vers espagnol, français vers anglais, and 5 more.
Related KudoZ points
:
81
hand-over of the investments (as collateral into a Bank's Memorandum of Deposit)
1. to securitis/ze the avance ferme: "Avis d'échéance - avance ferme".
2. surely, this is a portfolio investment collateris/zation scene for the 'avance ferme'.
3. DEU: Plazierung CH: *Privatplacierung* as private placement of stocks and shares or debentures : Handbuch des Geld-, Bank- und Börsenwesens der Schweiz.
2. surely, this is a portfolio investment collateris/zation scene for the 'avance ferme'.
3. DEU: Plazierung CH: *Privatplacierung* as private placement of stocks and shares or debentures : Handbuch des Geld-, Bank- und Börsenwesens der Schweiz.
Example sentence:
... un placement rapide et complet des titres peut se traduire par une remise important par rapport au cours en bourse précédent. sif.admin.ch eine vollständige und *rasche Platzierung der Titel* > a speedy placing of the secs. >
Memorandum of Deposit means the Memorandum of Deposit to be executed and delivered by the Client to the Company in respect of the Securities and cash deposited by the Client with the Company in such form as the Company may prescribe from time to time
Reference:
Peer comment(s):
| neutral |
Daryo
: ??? where is the mention of any "titres" in the definition of what is "une avance ferme - version banque suisse"?
1 jour 3 heures
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| neutral |
Andrew Bramhall
: Really not. Far too cloak and dagger sounding.
2 jours 22 heures
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2 jours 15 heures
français term (edited):
remise des placements (contexte: avance ferme)
repayment of the advance / loan
there are few ambiguous clues to the contrary, but the unambiguous clue i.e. what is "une avance ferme" in the Swiss banking system points in only one direction.
"une avance ferme" is definitely NOT the bank's customer being the one "investing its own money" - in actual fact the "investing" is happening the other way round.
From the horse's mouth (CREDIT SUISSE GROUP AG):
Le crédit lombard
Grâce au crédit lombard, vous bénéficiez d'une solution de financement flexible.
Nous vous proposons un crédit lombard sous forme d'un compte courant ou d'une avance ferme en échange du nantissement de valeurs facilement réalisables, comme les actions, les emprunts ou certaines polices d'assurance avec valeur de rachat.
https://www.credit-suisse.com/ch/fr/unternehmen/unternehmen-...
Nous vous proposons un crédit ... sous forme ... d'une avance ferme !!!
You would need a trainload of "alternative/differential logic" to see this as the Bank's client being the one doing any "investing", whichever blind alley the puzzling Swiss French may lead you to.
see also
"avance ferme" in the Swiss banking system => fixed amount of Bank's money lent (="une avance") for a fixed duration ("une échéance ferme") to the banks's customer.
Nota bene: Bank's money made available to the banks's customer, who IS NOT to an "investor" - the bank is the one "investing" its own money, so here "le placement" is an "investment" from bank's viewpoint IOW Exactly the opposite direction of a customer "investing" its own money in some financial product offered by the bank!!!
This amount of money (="une avance") first goes FROM the bank TO the customer, and then the other way round "à l'échéance". So this "Avis d'échéance - avance ferme" would be a reminder that it's soon time to pay back the loan.
So the bank asking for "la remise des placements" would mean "pay us back the money WE invested in giving you a loan" - which is technically correct, but not how it would formulated in UK or US.
Anyone in UK or US receiving a reminder letter from the bank saying "it's time to give us back the money we invested in you by giving you a loan" would probably be proper puzzled, that's not the usual wording, far from it.
Although all that is in apparent contradiction with:
"send us this money at latest 2 days before la date de valeur"
As when you take a loan, you have to pay it back at latest "on term date", not days before.
But these "2 days" can also simply be "the usual time to process the transaction" - it's not a decisive clue.
--------------------------------------------------
Note added at 5 days (2022-03-03 00:47:15 GMT)
--------------------------------------------------
again: ANY mention of "investment" is a ***big fat red herring***
"une avance ferme" is definitely NOT the bank's customer being the one "investing its own money" - in actual fact the "investing" is happening the other way round.
From the horse's mouth (CREDIT SUISSE GROUP AG):
Le crédit lombard
Grâce au crédit lombard, vous bénéficiez d'une solution de financement flexible.
Nous vous proposons un crédit lombard sous forme d'un compte courant ou d'une avance ferme en échange du nantissement de valeurs facilement réalisables, comme les actions, les emprunts ou certaines polices d'assurance avec valeur de rachat.
https://www.credit-suisse.com/ch/fr/unternehmen/unternehmen-...
Nous vous proposons un crédit ... sous forme ... d'une avance ferme !!!
You would need a trainload of "alternative/differential logic" to see this as the Bank's client being the one doing any "investing", whichever blind alley the puzzling Swiss French may lead you to.
see also
"avance ferme" in the Swiss banking system => fixed amount of Bank's money lent (="une avance") for a fixed duration ("une échéance ferme") to the banks's customer.
Nota bene: Bank's money made available to the banks's customer, who IS NOT to an "investor" - the bank is the one "investing" its own money, so here "le placement" is an "investment" from bank's viewpoint IOW Exactly the opposite direction of a customer "investing" its own money in some financial product offered by the bank!!!
This amount of money (="une avance") first goes FROM the bank TO the customer, and then the other way round "à l'échéance". So this "Avis d'échéance - avance ferme" would be a reminder that it's soon time to pay back the loan.
So the bank asking for "la remise des placements" would mean "pay us back the money WE invested in giving you a loan" - which is technically correct, but not how it would formulated in UK or US.
Anyone in UK or US receiving a reminder letter from the bank saying "it's time to give us back the money we invested in you by giving you a loan" would probably be proper puzzled, that's not the usual wording, far from it.
Although all that is in apparent contradiction with:
"send us this money at latest 2 days before la date de valeur"
As when you take a loan, you have to pay it back at latest "on term date", not days before.
But these "2 days" can also simply be "the usual time to process the transaction" - it's not a decisive clue.
--------------------------------------------------
Note added at 5 days (2022-03-03 00:47:15 GMT)
--------------------------------------------------
again: ANY mention of "investment" is a ***big fat red herring***
Peer comment(s):
| neutral |
Francois Boye
: You said that the bank is the investor. In that, we agree. But you don't understand that the advance/loan is nothing but the bank's investment funds.// A 'remise' isn't a repayment. it means making available the investment funds through bank transfers.
10 jours
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Discussion
Any mention of WHEN this "avance ferme" was agreed?
There are already lots of clues, but "missing details" have the nasty habit of occasionally turning the whole story on its head.
So far it looks like ;
"la remise des placements" = pay us back what we lent to you.
"proroger les placements" = extend the loan, instead of repaying it - a different part of the story.
Also, I can't see any kind of "investment" here.
This is Swiss French - so expect all sorts of unexpected shifts in meaning compared to French French.
All I can see is in this ST is "placement" = money we lent to you. Repaying back "une avance ferme" is hardly "investing".