Navigating the world of finance often involves understanding specific terms and phrases that are crucial for banking, investments, and economic activities. If you are learning Chinese, mastering these terms can significantly enhance your ability to engage with Chinese-speaking business environments. Here’s a comprehensive guide to essential banking and financial terms in Chinese.
银行 (Yínháng) – Bank
这家银行提供优惠的贷款利率。
This translates to “This bank offers favorable loan rates.”
账户 (Zhànghù) – Account
我需要检查我的银行账户余额。
This means “I need to check my bank account balance.”
存款 (Cúnkuǎn) – Deposit
我想在我的账户里存款一些钱。
This can be translated as “I want to deposit some money into my account.”
取款 (Qǔkuǎn) – Withdrawal
他在银行自动取款机取了一些现金。
This means “He withdrew some cash from the bank’s ATM.”
转账 (Zhuǎnzhàng) – Transfer
我需要从一个账户转账到另一个账户。
This translates to “I need to transfer from one account to another.”
利息 (Lìxī) – Interest
这个储蓄账户每年可以赚取4%的利息。
This means “This savings account earns 4% interest annually.”
贷款 (Dàikuǎn) – Loan
他为购买房子申请了一笔贷款。
This can be translated as “He applied for a loan to buy a house.”
信用卡 (Xìnyòngkǎ) – Credit Card
我用信用卡支付了这次购物。
This means “I paid for this shopping with a credit card.”
债券 (Zhàiquàn) – Bond
公司发行债券以筹集资金。
This translates to “The company issued bonds to raise funds.”
股票 (Gǔpiào) – Stock
他投资了几家科技公司的股票。
This means “He invested in stocks of several tech companies.”
投资 (Tóuzī) – Investment
她正在寻找新的投资机会。
This can be translated as “She is looking for new investment opportunities.”
汇率 (Huìlǜ) – Exchange Rate
汇率波动可能影响我们的收益。
This means “Exchange rate fluctuations may affect our earnings.”
市场 (Shìchǎng) – Market
金融市场今天表现不错。
This translates to “The financial market performed well today.”
经济 (Jīngjì) – Economy
政府正在努力改善国家经济。
This means “The government is working to improve the national economy.”
财政 (Cáizhèng) – Finance
公司财政状况稳定。
This can be translated as “The company’s financial condition is stable.”
收益 (Shōuyì) – Revenue
今年第一季度的收益超出了预期。
This means “The revenue for the first quarter of the year exceeded expectations.”
支出 (Zhīchū) – Expense
我们需要削减不必要的支出。
This translates to “We need to cut unnecessary expenses.”
资产 (Zīchǎn) – Asset
公司拥有多种资产，包括房地产和股票。
This means “The company owns various assets, including real estate and stocks.”
负债 (Fùzhài) – Liability
减少负债是提高财务安全的关键。
This can be translated as “Reducing liabilities is key to improving financial security.”
盈余 (Yíngyú) – Surplus
今年我们有了一些财政盈余。
This means “We have some financial surplus this year.”
赤字 (Chìzì) – Deficit
政府正努力减少财政赤字。
This translates to “The government is working to reduce the fiscal deficit.”
Mastering these terms will not only improve your language proficiency but also enhance your understanding of Chinese financial documents and conversations. As you continue to learn and use these terms, you’ll find it increasingly easier to navigate financial discussions and read related content in Chinese.
