Feb 11, 2011 12:44
13 yrs ago
7 viewers *
čeština term

Platební morálka

čeština -> angličtina Obchod/finance Podnikání/obchod (obecně)
"Klient s dobrou platební morálkou" (referring to bank loans, credit rating etc.)

I've seen this phrase in a number of contexts and can never find a satisfactory translation.

Payment morale? Payment reliability?

Discussion

Radka Crossley Feb 11, 2011:
Completely agree with Scott, see my comment to the "payment morale" entry for links that clearly state the difference. We cannot always rely on bilingual dictionaries to be accurate. monolingual can be much more appropriate at times...
Scott Evan Andrews Feb 11, 2011:
in fact one example of what this is turned on its head is a play on words we used to say in language school - "jako hmota faktu" to mean "as a matter of fact"...and then imagine somebody, some non-native Czech speaker, would add that somewhere as an actual term...nonsense. the only thing I can see about payment morale is my morale is bad because I just made another mortgage payment...
Scott Evan Andrews Feb 11, 2011:
with all due respect, the only problem with that is...it's just not English, no matter who entered it...it certainly was not a native speaker of the language. morale refers to the contentedness (or discontentedness) of a company staff, an army unit, etc. not economic term for whether the person has a history of making payments on time or not...(http://en.wiktionary.org/wiki/morale)...
jankaisler Feb 11, 2011:
Czech term corresponds/follows (?) with the German term "Zahlungsmoral" and dictionary translation into English is "payment morale" ....
Milada Major Feb 11, 2011:
agree, we used "payment discipline" at the bank to distinguish between "platobná história" and "platobná morálka", though both refer to the same thing, payment history is fine
Scott Evan Andrews Feb 11, 2011:
I would refer those interested to review this question already discussed in another language combination...indeed, sorry, but there is no such thing in native English as payment morale...it's like calling walkways "communications"...not everything translates verbatim! note Brigitte's comment in her "disagree" http://www.proz.com/kudoz/german_to_english/accounting/18316...

Proposed translations

5 h
Selected

credit history

I think that is what banks in the UK would use to talk about good payers. If you go over your overdraft limit or whatever then it damages your "credit history"
Something went wrong...
4 KudoZ points awarded for this answer.
1 min

payment morale

...
Peer comment(s):

agree jankaisler : jasně
0 min
Díky, Jane!
disagree Radka Crossley : morale has a totally different meaning than "moralka" http://en.wikipedia.org/wiki/Morale vs. http://cs.wikipedia.org/wiki/Morálka
53 min
Something went wrong...
1 min

payment morality

x
Peer comment(s):

neutral jankaisler : to je vyšší úroveň - etika
1 min
Something went wrong...
11 min

Reliable payer

Good or reliable payer is pretty common - 13000 hits for reliable payer. You cannot really force the English phrase into the Czech structure
Something went wrong...
+8
8 min

Payment performance / Payment history

Honestly, I worked in this field for several years (U.S. company), and we were mostly using the term "Payment performance" or "Payment history" of the customer... I guess "morálka" is only used in Czech...

--------------------------------------------------
Note added at 13 mins (2011-02-11 12:57:49 GMT)
--------------------------------------------------

For instance, D&B rating agency typically uses "Payment performance" - see here below an excerpt from its report:

"...The D&B Failure Score predicts the likelihood that a company will obtain legal relief from its creditors or cease operations with unpaid
obligations over the next 12 months. It is calculated on the basis of continuous monitoring of demographic, financial variables as well as
payment performance and negative information."

--------------------------------------------------
Note added at 15 mins (2011-02-11 13:00:27 GMT)
--------------------------------------------------

...an alternative term used by D&B is "Payment BEHAVIOUR"
another excerpt from D&B´s report:
"...History and Industry Comparison of the Payment Behaviour..."

However, "performance" is used much more frequently...
Peer comment(s):

agree Charles Stanford : That'd work
3 min
Thanks!! :-)
agree Tomas Janosik : I worked in Banking in UK and I will use "Payment history" as is always used on any Credit Report in UK.
6 min
Thanks!! :-)
agree Scott Evan Andrews : sure...even " payment track record" is thrown in there sometimes...meaning the same
14 min
Thanks!! Exactly - I was going to suggest a "p. track record" as a third alternative option... however, "performance" or "history" being used more often...but you are perfectly right and thanks for the German-English KudoZ entry as well!!
agree Radka Crossley
43 min
Thanks!! :-)
agree Michal Zugec : Payment history (in US company I worked for)
49 min
Thanks!! :-)
agree Maria Chmelarova
1 h
Thanks!! :-)
agree Hana Rutova : "client with history" means "reliable person" for the bank
4 h
Thanks!! :-)
agree Yvetteb (X) : good payment history
4 h
Thanks!! :-)
Something went wrong...
+1
25 min

payment practices

Any reason we can't use payment practices? It's widely used in my experience. I also like payment history and similar terms.
Peer comment(s):

agree Igor Seykora : Opinion of the European Economic and Social Committee on the Proposal for a Regulation of the European Parliament and of the Council laying down the procedure for implementing Regulation (EC) No 883/2004 on the coordination of social security systems
4 dnů
Something went wrong...
8 h

payment record

Another term that could be used in this context.
Something went wrong...
Term search
  • All of ProZ.com
  • Vyhledávání termínů
  • Zakázky
  • Fóra
  • Multiple search