When you hear 「借款」(jiè kuǎn), think of money that someone borrows, or a loan. It's a very common word in daily life. For example, if you need to buy a new phone but don't have enough money, you might ask a friend for a 借款.
Banks also provide 借款 to people who want to buy a house or a car. So, it's basically borrowed money that you have to pay back. Keep an eye out for this word; you'll see it a lot if you're dealing with finances in Chinese.
When discussing money, 借款 (jièkuǎn) is a formal and very practical term that refers to a loan, typically a sum of money borrowed. It can also refer to the act of borrowing itself, but usually as a noun. You'll encounter this word in official contexts, like with banks or financial institutions. Think of it as the go-to word for a formal loan agreement or a general loan product. Understanding this term is crucial for navigating any financial discussions in Chinese, whether personal or business-related.
§ What does 借款 (jièkuǎn) mean?
Let's talk about 借款 (jièkuǎn). In simple terms, 借款 (jièkuǎn) means 'loan'. It's a straightforward noun that you'll hear a lot in everyday Chinese, especially when people are talking about money, borrowing, or finances. Think of it just like the English word 'loan' – something you borrow, usually money, with the expectation of paying it back.
- Definition
- loan (noun)
You'll encounter 借款 (jièkuǎn) in various situations. It can refer to a small loan between friends or a large loan from a bank. It’s a very general term. For example, if someone needs to buy a car, they might need a car loan, which in Chinese would involve 借款 (jièkuǎn). If a company needs money to expand its business, they might also get a loan, which is still 借款 (jièkuǎn).
The key thing to remember is that 借款 (jièkuǎn) is almost always about money. You wouldn't use it for borrowing a book, for instance. For that, you'd use a different verb like 借 (jiè).
When do people use it? Any time money is being borrowed and referred to as 'a loan'.
- When applying for a bank loan.
- When discussing repayment terms of a loan.
- When talking about taking out a mortgage.
- When a company secures financing.
Let's look at some examples so you can see how 借款 (jièkuǎn) is used in real sentences.
他们申请了一笔银行借款。
Translation hint: They applied for a bank loan.
这份借款合同需要双方签字。
Translation hint: This loan contract needs both parties' signatures.
公司获得了大笔借款来扩大生产。
Translation hint: The company obtained a large loan to expand production.
You can see from these examples that 借款 (jièkuǎn) works just like 'loan' in English. It's a noun. It can be something you 'apply for', 'sign a contract for', or 'obtain'. Pay attention to the verbs that usually go with it, as that will help you use it correctly.
§ Basic Usage of 借款
Alright, let's get straight to how to use 借款 (jièkuǎn) in sentences. Remember, 借款 is a noun, meaning 'loan'. This means it acts like a thing in your sentence. You'll often see it with verbs that describe giving, taking, or applying for loans.
- DEFINITION
- 借款 (jièkuǎn): loan (noun)
The most common way to use 借款 is with verbs like 申请 (shēnqǐng) - to apply, 获得 (huòdé) - to obtain, or 提供 (tígōng) - to provide. Think about who is doing what with the loan.
他向银行申请借款。(Tā xiàng yínháng shēnqǐng jièkuǎn.) He applied for a loan from the bank.
公司获得了大笔借款。(Gōngsī huòdéle dà bǐ jièkuǎn.) The company obtained a large loan.
银行可以为企业提供借款。(Yínháng kěyǐ wèi qǐyè tígōng jièkuǎn.) Banks can provide loans for businesses.
§ Prepositions and Phrases with 借款
When you're talking about who is getting or giving the loan, you'll often use prepositions. The most common one is 向 (xiàng), meaning 'to' or 'from', depending on the context. It indicates direction.
- 向 (xiàng) + person/institution + 申请/获得 借款: To apply for/get a loan from someone/somewhere.
我需要向朋友借款。(Wǒ xūyào xiàng péngyǒu jièkuǎn.) I need to borrow a loan from a friend. (Literally: I need to get a loan towards a friend.)
Notice how in the example above, even though it translates to 'borrow a loan', in Chinese, you're still talking about getting the 'loan' (借款) from someone. This highlights that 借款 is the *thing* being transferred.
- 为 (wèi) + person/institution + 提供 借款: To provide a loan for someone/somewhere.
政府为小企业提供借款。(Zhèngfǔ wèi xiǎo qǐyè tígōng jièkuǎn.) The government provides loans for small businesses.
§ Describing 借款: Amounts and Types
You can also add adjectives or phrases to describe the 借款. Common ways include talking about the amount or the type of loan.
- 大笔/小笔 (dà bǐ / xiǎo bǐ) + 借款: Large/small amount of loan.
我们需要一笔大借款来启动项目。(Wǒmen xūyào yī bǐ dà jièkuǎn lái qǐdòng xiàngmù.) We need a large loan to start the project.
- 无息 (wúxī) + 借款: Interest-free loan.
他得到了政府的无息借款。(Tā dédàole zhèngfǔ de wúxī jièkuǎn.) He received an interest-free loan from the government.
See how we're building up these phrases? It's all about slotting 借款 into the right grammatical structure. Don't overthink it, just practice these patterns.
§ Common Verbs to Use with 借款
Here's a quick list of verbs that frequently appear with 借款. Get comfortable with these, and you'll be able to talk about loans in many situations.
- 申请 (shēnqǐng): to apply for
- 获得 (huòdé): to obtain, to get
- 提供 (tígōng): to provide, to offer
- 偿还 (chánghuán): to repay, to return (a loan)
- 批准 (pīzhǔn): to approve (a loan)
- 拒绝 (jùjué): to refuse, to reject (a loan)
Let's look at a couple more examples with these verbs.
他正在努力工作来偿还借款。(Tā zhèngzài nǔlì gōngzuò lái chánghuán jièkuǎn.) He is working hard to repay the loan.
银行批准了他的借款申请。(Yínháng pīzhǔnle tā de jièkuǎn shēnqǐng.) The bank approved his loan application.
The key takeaway here is that 借款 is a solid noun. It's the object of the action. Keep practicing with these examples, and you'll get the hang of it in no time. Don't be shy about making your own sentences. That's how you learn!
Schwierigkeitsgrad
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Voraussetzungen
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Fortgeschritten
Wichtige Grammatik
Use 借款 (jièkuǎn) as a general term for a loan, often in a financial or formal context. It can refer to the act of borrowing or the money borrowed itself.
他向银行申请了一笔借款。(Tā xiàng yínháng shēnqǐngle yī bǐ jièkuǎn.) He applied for a loan from the bank.
借款 can be used with verbs like 申请 (shēnqǐng - to apply for), 获得 (huòdé - to obtain), or 偿还 (chánghuán - to repay).
公司获得了大笔借款来扩大生产。(Gōngsī huòdéle dà bǐ jièkuǎn lái kuòdà shēngchǎn.) The company obtained a large loan to expand production.
When specifying the amount of the loan, it typically follows a measure word like 一笔 (yī bǐ - a sum of) or 大笔 (dà bǐ - a large sum of).
我需要一笔借款来支付学费。(Wǒ xūyào yī bǐ jièkuǎn lái zhīfù xuéfèi.) I need a loan to pay tuition fees.
借款 can also function as the object of a verb when someone is borrowing money from another person or institution.
他决定向朋友借款。(Tā juédìng xiàng péngyǒu jièkuǎn.) He decided to borrow money from a friend.
Distinguish 借款 from 贷款 (dàikuǎn). While both mean 'loan', 贷款 is generally used for loans from financial institutions (like banks), while 借款 is more general and can include loans between individuals.
银行提供各种类型的贷款。(Yínháng tígōng gè zhǒng lèixíng de dàikuǎn.) Banks offer various types of loans.
Beispiele nach Niveau
我需要一笔借款。
I need a loan.
银行提供借款。
The bank offers loans.
他有一笔小借款。
He has a small loan.
这个借款有利息。
This loan has interest.
她想申请借款。
She wants to apply for a loan.
我的朋友得到了借款。
My friend got a loan.
公司需要借款。
The company needs a loan.
请问借款怎么还？
How do I repay the loan?
我需要一笔借款来买房子。
I need a loan to buy a house.
银行提供了各种借款服务。
The bank offers various loan services.
他向朋友申请了一笔小额借款。
He applied for a small loan from a friend.
这笔借款的利息是多少？
What is the interest rate for this loan?
我们公司没有借款。
Our company has no loans.
他按时偿还了所有的借款。
He repaid all his loans on time.
银行拒绝了我的借款申请。
The bank rejected my loan application.
政府为学生提供了教育借款。
The government provides education loans for students.
我们需要一笔借款来扩大我们的业务。
We need a loan to expand our business.
银行批准了我的借款申请。
The bank approved my loan application.
他因为无法偿还借款而感到非常焦虑。
He felt very anxious because he couldn't repay the loan.
这笔借款的利率是多少？
What is the interest rate for this loan?
政府为小型企业提供了低息借款。
The government provided low-interest loans for small businesses.
他向朋友借了一笔借款来度过难关。
He borrowed a loan from a friend to get through a difficult period.
公司正在考虑申请一笔长期借款。
The company is considering applying for a long-term loan.
如果不能按时偿还借款，会有什么后果？
What are the consequences if the loan cannot be repaid on time?
我需要一笔借款来创业。
I need a loan to start a business.
银行批准了我的借款申请。
The bank approved my loan application.
这笔借款的利率是多少？
What is the interest rate for this loan?
他向朋友寻求了一笔紧急借款。
He asked a friend for an emergency loan.
公司正在考虑新的借款方案。
The company is considering new loan options.
我们必须按时偿还借款。
We must repay the loan on time.
这项借款协议有效期为五年。
This loan agreement is valid for five years.
由于经济困难，他无法按时归还借款。
Due to financial difficulties, he couldn't repay the loan on time.
他向银行申请了一笔借款用于购买新房。
He applied for a loan from the bank to buy a new house.
申请 (shēnqǐng) means 'to apply for'.
这家公司通过发行债券获得了大笔借款以扩大生产。
This company obtained a large loan by issuing bonds to expand production.
通过...获得 (tōngguò...huòdé) means 'to obtain...by means of'.
由于项目资金短缺，我们不得不寻求外部借款。
Due to a shortage of project funds, we had to seek external loans.
短缺 (duǎnquē) means 'shortage' or 'lack'.
我需要一笔借款来支付大学学费，但不想给父母增加负担。
I need a loan to pay for university tuition, but I don't want to burden my parents.
增加负担 (zēngjiā fùdān) means 'to increase the burden'.
银行对大额借款的审批过程非常严格。
The bank's approval process for large loans is very strict.
审批 (shěnpī) means 'to examine and approve'.
他的借款申请最终被批准了，让他松了一口气。
His loan application was finally approved, which made him feel relieved.
松了一口气 (sōng le yī kǒu qì) is an idiom meaning 'to heave a sigh of relief'.
在经济衰退时期，获得商业借款变得更加困难。
During an economic recession, it becomes more difficult to obtain business loans.
衰退 (shuāituì) means 'recession' or 'decline'.
这家初创公司正在寻求天使投资人的借款来启动他们的项目。
This startup company is seeking loans from angel investors to launch their project.
初创公司 (chūchuàng gōngsī) means 'startup company'.
Häufige Kollokationen
Häufige Phrasen
他向银行申请了一笔借款。
He applied for a loan from the bank.
公司需要借款来扩大生产。
The company needs a loan to expand production.
我没有能力偿还这笔借款。
I am unable to repay this loan.
银行批准了我的借款申请。
The bank approved my loan application.
这笔借款的期限是五年。
The term of this loan is five years.
请仔细阅读借款合同。
Please read the loan contract carefully.
我们提供多种类型的借款服务。
We offer various types of loan services.
他通过借款买了一套房子。
He bought a house through a loan.
借款利息是多少？
What is the loan interest?
你需要什么文件才能申请借款？
What documents do you need to apply for a loan?
Wird oft verwechselt mit
Both mean 'loan', but 贷款 is for formal, institutional loans, and 借款 is more general or informal.
借 is the verb 'to borrow/lend', while 借款 is the noun 'loan'.
借钱 is the verb phrase 'to borrow money', while 借款 is the noun 'loan'.
Redewendungen & Ausdrücke
"申请借款"
apply for a loan
我需要申请借款来支付学费。
neutral"偿还借款"
repay a loan
我每个月都按时偿还借款。
neutral"借款合同"
loan agreement/contract
请仔细阅读借款合同的条款。
formal"个人借款"
personal loan
他向银行申请了个人借款。
neutral"抵押借款"
mortgage loan
我们用房子做抵押申请了借款。
formal"无息借款"
interest-free loan
公司为员工提供无息借款。
neutral"紧急借款"
emergency loan
他因为急事申请了紧急借款。
neutral"短期借款"
short-term loan
公司需要一笔短期借款来周转资金。
formal"长期借款"
long-term loan
银行提供了大额的长期借款。
formal"借款利率"
loan interest rate
借款利率是多少？
neutralLeicht verwechselbar
Both 借款 and 贷款 translate to 'loan' in English, which can be confusing for learners.
借款 (jièkuǎn) tends to refer to a general act of borrowing money, often implying a personal or informal loan. 贷款 (dàikuǎn) more specifically refers to a formal loan, usually from a financial institution like a bank.
我需要一笔贷款来买房。(Wǒ xūyào yì bǐ dàikuǎn lái mǎi fáng.) I need a bank loan to buy a house.
借 is the verb 'to borrow' or 'to lend', and can be confused with the noun form 借款.
借 is a verb, while 借款 is a noun. You can 'borrow' (借) a 'loan' (借款).
我向他借了钱。(Wǒ xiàng tā jiè le qián.) I borrowed money from him.
借钱 also means 'to borrow money', similar to the idea of a loan.
借钱 is a verb phrase meaning 'to borrow money', whereas 借款 is a noun meaning 'loan'. You can say 'borrow money' (借钱) or 'get a loan' (得到借款).
他经常向朋友借钱。(Tā jīngcháng xiàng péngyou jiè qián.) He often borrows money from friends.
债务 means 'debt', which is related to loans but is a different concept.
借款 is the money borrowed (the loan itself), while 债务 is the obligation to repay that money (the debt). A loan creates a debt.
他背负着巨额债务。(Tā bēifù zhe jù'é zhàiwù.) He is burdened with huge debts.
借贷 is a more formal term that can refer to both borrowing and lending.
借贷 is a more general term for borrowing and lending, often used in financial contexts. 借款 specifically refers to the borrowed money, the loan itself.
银行提供各种借贷服务。(Yínháng tígōng gè zhǒng jièdài fúwù.) Banks offer various lending and borrowing services.
Wortfamilie
Substantive
Verben
Tipps
Borrow vs. Loan
Remember that '借款' is the loan itself. If you want to say 'to borrow money', you'd use '借钱' (jiè qián). If you want to say 'to lend money', you'd also use '借钱', but the context would make the meaning clear. For instance, '我向银行借钱' means 'I borrow money from the bank', while '银行借钱给我' means 'The bank lends money to me'.
Formal Context
'借款' often appears in more formal or financial contexts. For casual borrowing between friends, you're more likely to hear '借钱'.
Counting Loans
When referring to a specific number of loans, you can use '笔' (bǐ) as a measure word. For example, '一笔借款' (yī bǐ jièkuǎn) means 'one loan'.
Common Collocations
Common phrases with '借款' include: '申请借款' (shēnqǐng jièkuǎn) - 'to apply for a loan', '获得借款' (huòdé jièkuǎn) - 'to get a loan', '偿还借款' (chánghuán jièkuǎn) - 'to repay a loan'.
Related Terms: Lender & Borrower
The person or institution that lends money is the '贷款人' (dàikuǎnrén) - lender. The person who borrows money is the '借款人' (jièkuǎnrén) - borrower.
Interest on Loans
If you want to talk about the interest on a loan, you'd use '借款利息' (jièkuǎn lìxī).
Short-term vs. Long-term
You can specify the duration of the loan: '短期借款' (duǎnqī jièkuǎn) - 'short-term loan', '长期借款' (chángqī jièkuǎn) - 'long-term loan'.
Loans for Specific Purposes
Sometimes '借款' is combined with the purpose. For example, '购房借款' (gòufáng jièkuǎn) - 'housing loan' or '助学借款' (zhùxué jièkuǎn) - 'student loan'.
Verbal Usage
While '借款' is a noun, you can often use '借' (jiè) as the verb 'to borrow' or 'to lend'. For example, '他向我借了一笔钱' (tā xiàng wǒ jiè le yī bǐ qián) - 'He borrowed a sum of money from me'.
Distinguish from '贷款'
'贷款' (dàikuǎn) is another word for loan, and it can be both a noun and a verb ('to lend money'). While often interchangeable with '借款' as a noun, '贷款' is more commonly used when talking about the act of lending from a financial institution.
Teste dich selbst 90 Fragen
Choose the correct Chinese word for 'loan'.
'借款' (jiè kuǎn) is the Chinese word for 'loan'. The other options mean 'eat', 'sleep', and 'read book' respectively.
Which of these words refers to money borrowed?
'借款' (jiè kuǎn) specifically means money that is borrowed or a loan. The other words are unrelated.
In the sentence '他有一笔很大的___。' (Tā yǒu yī bǐ hěn dà de ___.), what word fits best to mean 'loan'?
The sentence means 'He has a very big ___.' '借款' (jiè kuǎn) is the only option that makes sense in the context of a 'big loan'.
The word '借款' (jiè kuǎn) means 'to eat'.
No, '借款' (jiè kuǎn) means 'loan'. The word for 'to eat' is '吃饭' (chī fàn).
If someone asks for a '借款' (jiè kuǎn), they want to borrow money.
Yes, '借款' (jiè kuǎn) refers to a loan, so asking for one means wanting to borrow money.
You can use '借款' (jiè kuǎn) to talk about borrowing a book.
'借款' (jiè kuǎn) specifically refers to a financial loan, not borrowing objects like books. For borrowing a book, you would use '借书' (jiè shū).
Write a short sentence saying 'I need a loan.'
Well written! Good try! Check the sample answer below.
Sample answer
我需要借款。
Write a simple sentence stating 'This is my loan.'
Well written! Good try! Check the sample answer below.
Sample answer
这是我的借款。
Form a sentence saying 'He has a loan.'
Well written! Good try! Check the sample answer below.
Sample answer
他有借款。
What does the speaker need?
Read this passage:
我需要一个借款。这个借款对我很重要。
What does the speaker need?
The passage says '我需要一个借款' which means 'I need a loan'.
The passage says '我需要一个借款' which means 'I need a loan'.
Whose loan is it?
Read this passage:
这是他的借款。他很快会还。
Whose loan is it?
The passage states '这是他的借款' which means 'This is his loan'.
The passage states '这是他的借款' which means 'This is his loan'.
What is true about her loan?
Read this passage:
她有一个借款。借款很小。
What is true about her loan?
The passage says '借款很小' which translates to 'The loan is very small'.
The passage says '借款很小' which translates to 'The loan is very small'.
This sentence means 'He needs a loan.' The correct order is subject-verb-object.
This sentence means 'I have a loan.' The correct order is subject-verb-object.
This sentence means 'Do you need a loan?' The correct order is subject-verb-object-question particle.
他向银行申请了一笔私人___。
The sentence talks about applying for a personal sum from the bank. '借款' (jièkuǎn) means loan. '存款' (cúnkuǎn) is deposit, '贷款' (dàikuǎn) is also loan but usually from a financial institution (and often used interchangeably with 借款), and '付款' (fùkuǎn) is payment.
你需要多少___才能买这辆车？
The question asks how much money (specifically in the context of borrowing) is needed to buy the car. '借款' fits best here. '钱' (qián) is money, '花费' (huāfèi) is expense, and '预算' (yùsuàn) is budget.
我们正在考虑向公司申请一笔___。
The sentence indicates that they are considering applying for a sum from the company. '借款' (loan) is the most appropriate. '捐款' (juānkuǎn) is donation, '汇款' (huìkuǎn) is remittance, and '收款' (shōukuǎn) is collect payment.
他需要一笔大额___来开始他的生意。
To start a business, one often needs a large sum of money as a loan. '借款' (jièkuǎn) is correct. '投资' (tóuzī) is investment, '收入' (shōurù) is income, and '利润' (lìrùn) is profit.
银行不批准我们的___申请。
Banks approve or disapprove '借款' (loan) applications. '工作' (gōngzuò) is work, '学习' (xuéxí) is study, and '旅行' (lǚxíng) is travel.
他们希望在明年还清所有的___。
People pay back '借款' (loans). While '债务' (zhàiwù) means debt, '借款' fits well in the context of what they hope to pay back. '存款' (cúnkuǎn) is deposit, and '储蓄' (chǔxù) is savings.
Which of the following refers to 'loan'?
借款 (jièkuǎn) specifically means 'loan'. The other options are 'eat', 'sleep', and 'study' respectively.
Choose the correct word to complete the sentence: 他需要一笔___去买房子。(He needs a ___ to buy a house.)
To buy a house, one usually needs a 'loan', which is 借款 (jièkuǎn). The other options are 'food', 'clothes', and 'water'.
Which sentence correctly uses '借款'?
Banks provide loans. The other sentences do not use '借款' in a meaningful or grammatically correct way.
借款 (jièkuǎn) means to borrow money.
借款 (jièkuǎn) refers to a loan, which is money borrowed from someone or an institution.
你可以向朋友申请借款。(You can apply for a loan from a friend.)
While banks are common, you can also ask friends for a loan.
借款 (jièkuǎn) is a type of food.
借款 (jièkuǎn) means 'loan', it is not a type of food.
Listen to the sentence about needing a loan to buy a house.
Listen to the sentence about the loan term being five years.
Listen to the sentence about considering applying for a small loan.
Read this aloud:
我需要一笔借款。
Focus: 借款 (jièkuǎn)
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他申请了借款。
Focus: 申请 (shēnqǐng)
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你有什么借款计划吗？
Focus: 计划 (jìhuà)
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他向银行申请了一笔私人___。
Here, '借款' (jièkuǎn) is used as a noun meaning 'loan'. The sentence translates to 'He applied for a personal loan from the bank.'
公司需要一笔___来扩大生产。
In this context, '借款' (jièkuǎn) refers to money borrowed, fitting the meaning of 'loan' for business expansion. The sentence means 'The company needs a loan to expand production.'
银行的___利率最近有所下降。
This sentence talks about the interest rate of loans. '借款' (jièkuǎn) is the correct term for 'loan' here. The sentence translates to 'The bank's loan interest rates have recently decreased.'
他因为无法偿还___而感到很焦虑。
'借款' (jièkuǎn) is the specific term for the money borrowed that he cannot repay. The sentence means 'He is very anxious because he cannot repay the loan.'
这家小企业正在寻找一笔短期___。
A 'short-term loan' is the context here, making '借款' (jièkuǎn) the appropriate choice. The sentence translates to 'This small business is looking for a short-term loan.'
申请___需要提供一些个人资料。
When applying for money from a bank or institution, '借款' (jièkuǎn) is the common term. The sentence means 'Applying for a loan requires providing some personal information.'
He applied for a loan from the bank.
I need a loan to buy a house.
The interest rate on this loan is high.
Read this aloud:
借款合同
Focus: jiè kuǎn hé tóng
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Read this aloud:
他获得了银行的借款。
Focus: tā huò dé le yín háng de jiè kuǎn
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Read this aloud:
你有没有申请过借款？
Focus: nǐ yǒu méi yǒu shēn qǐng guò jiè kuǎn
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This sentence means 'He applied for a loan.' The correct order is subject (他), verb (申请), quantity (一笔), and object (借款).
This sentence means 'The bank approved his loan.' The structure is subject (银行), verb (批准), possessive pronoun (他的), and object (借款).
This is a question meaning 'Do you need a loan to buy a car?' The verb (需要) comes before the object (借款) and the purpose (买车).
公司正在考虑向银行申请一笔大额___以支持其新项目。
In this context, '借款' (jièkuǎn) refers to money borrowed, which fits the idea of a company applying to a bank for funds. '贷款' (dàikuǎn) is also a loan, but often implies the bank giving the loan, whereas '借款' is from the borrower's perspective.
她因为急需用钱，不得不寻求一笔私人___。
Here, '借款' (jièkuǎn) is the appropriate choice as it refers to money borrowed, which aligns with the need for urgent funds. '投资' is investment, '捐款' is donation, and '收入' is income.
这项工程的资金主要来源于政府的___和私人投资。
'借款' (jièkuǎn) here refers to funds borrowed from the government, which is a common way to finance large projects alongside private investment. '补贴' (bǔtiē) is a subsidy, '福利' (fúlì) is welfare, and '奖励' (jiǎnglì) is a reward.
当你说“我需要一笔借款”时，你是在表示你需要借钱。
'借款' (jièkuǎn) is a noun meaning 'loan,' so to 'need a loan' means to need to borrow money.
如果你正在申请'借款'，那么你是在向银行提供资金。
If you are applying for a '借款' (jièkuǎn), you are asking the bank to provide you with funds, not the other way around. You are the borrower.
“借款”通常伴随着需要支付利息。
Most loans ('借款' - jièkuǎn) require the borrower to pay interest to the lender in addition to repaying the principal amount.
Pay attention to the amount of the loan.
What is the purpose of the loan for the company?
What happened to Xiao Wang because of the loan?
Read this aloud:
你能给我解释一下“借款”和“贷款”的区别吗？
Focus: 借款 (jièkuǎn), 贷款 (dàikuǎn)
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如果你需要一笔借款，你会选择向银行还是朋友借？为什么？
Focus: 借款 (jièkuǎn)
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描述一下在中国申请个人借款的流程。
Focus: 个人借款 (gèrén jièkuǎn), 流程 (liúchéng)
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公司需要一笔大额___来扩展业务。
公司需要的是资金来扩展业务，'借款'（loan）或'贷款'（loan）都指借入的钱。这里'借款'作为名词更贴切语境。
由于经济困难，他不得不向银行申请___。
在经济困难时，人们通常需要向银行申请资金，'借款'（loan）符合语境。
为了买房子，我们申请了一笔为期三十年的___。
购买房产通常需要向银行申请长期的资金，'借款'（loan）是正确的选择。
一个企业可以向银行申请“借款”来扩大生产规模。
企业为了扩大生产规模，确实可以向银行申请借款来获得所需资金。
如果一个人无法按时偿还“借款”，他可能会面临法律诉讼。
未能按时偿还借款通常会导致法律后果，包括诉讼。
“借款”通常不涉及任何利息。
通常情况下，借款都会涉及利息，这是借款人向出借人支付的使用资金的费用。不涉及利息的借款情况非常少见。
The company is facing cash flow difficulties and is actively seeking bank loans. Pay attention to how '借款' is used in a business context.
He borrowed money from relatives and friends to start his business, and the pressure is immense. Focus on the emotional context associated with '借款'.
Although bank loan interest rates have decreased, we still need to carefully assess the risks. Listen for the financial implications of '借款'.
Read this aloud:
请你用“借款”这个词，描述一个你认识的人向银行申请贷款的情景。
Focus: 借款 (jièkuǎn)
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Read this aloud:
假设你急需一笔钱，你会选择向银行借款还是向朋友借款？请说明你的理由。
Focus: 借款 (jièkuǎn), 银行 (yínháng), 朋友 (péngyou)
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Read this aloud:
你认为大学生申请助学借款有哪些好处和坏处？
Focus: 借款 (jièkuǎn), 助学 (zhùxué)
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Imagine you are applying for a business loan. Write a short paragraph explaining the purpose of the loan and how you plan to repay it.
Well written! Good try! Check the sample answer below.
Sample answer
我正在申请一笔商业借款，用于扩大我的小型咖啡店。这笔借款将主要用于购买新的咖啡机和装修店面，以吸引更多顾客。我计划通过增加销售额和优化成本来偿还这笔借款，预计在两年内完成。
You are writing an email to a friend who asked to borrow a significant amount of money from you. Explain your decision (whether you lend it or not) and your reasoning.
Well written! Good try! Check the sample answer below.
Sample answer
你好，关于你提到的借款，我仔细考虑了。目前我手头资金也比较紧张，所以这次可能无法帮到你。希望你能理解我的难处，也希望你早日解决资金问题。
Describe a situation where someone might need to apply for a personal loan (个人借款) and what factors they should consider before doing so.
Well written! Good try! Check the sample answer below.
Sample answer
一个人可能会因为购买房屋、汽车或者支付教育费用而需要申请个人借款。在申请借款之前，他们应该仔细考虑自己的还款能力、借款利率以及借款期限，确保不会给自己带来过大的经济压力。
根据这段文字，关于个人借款，下列哪项说法是正确的？
Read this passage:
随着经济的发展，个人借款在日常生活中变得越来越普遍。无论是购房、购车还是创业，很多人都会选择通过借款来解决资金需求。然而，借款也伴随着风险，不当的借款行为可能导致个人财务危机。因此，在决定借款前，务必谨慎评估。
根据这段文字，关于个人借款，下列哪项说法是正确的？
文章明确提到“借款也伴随着风险，不当的借款行为可能导致个人财务危机。因此，在决定借款前，务必谨慎评估。”
文章明确提到“借款也伴随着风险，不当的借款行为可能导致个人财务危机。因此，在决定借款前，务必谨慎评估。”
这段文字主要说明了什么？
Read this passage:
银行的借款利率是影响借款成本的关键因素之一。不同的银行、不同的借款产品，其利率水平也可能存在较大差异。在申请借款时，借款人应该多方比较，选择最适合自己的借款方案。此外，个人信用记录也会对借款利率产生影响。
这段文字主要说明了什么？
文章重点强调了借款利率对借款成本的影响，并建议借款人多方比较。
文章重点强调了借款利率对借款成本的影响，并建议借款人多方比较。
小李选择网络借贷平台的主要原因是什么？
Read this passage:
小李最近因为公司周转不灵，需要一笔紧急借款来支付员工工资。他向几家银行咨询了商业借款，但由于时间紧迫，他最终选择了一家提供快速审批但利率较高的网络借贷平台。虽然解决了燃眉之急，但他对高利率感到担忧。
小李选择网络借贷平台的主要原因是什么？
文章提到“由于时间紧迫，他最终选择了一家提供快速审批但利率较高的网络借贷平台。”
文章提到“由于时间紧迫，他最终选择了一家提供快速审批但利率较高的网络借贷平台。”
The correct order is subject + verb + measure word + object + purpose. 他 (he) 申请 (applied) 了一笔 (a) 借款 (loan) 以 (in order to) 创业 (start a business).
The sentence structure describes the total amount of the company's loans exceeding its net assets. 这家公司 (This company) 的借款总额 (its total loan amount) 已经 (already) 超过了 (exceeded) 其净资产 (its net assets).
The sentence indicates that the bank approved the housing loan application. 银行 (The bank) 批准了 (approved) 我们 (our) 的购房借款 (housing loan) 申请 (application).
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Borrow vs. Loan
Remember that '借款' is the loan itself. If you want to say 'to borrow money', you'd use '借钱' (jiè qián). If you want to say 'to lend money', you'd also use '借钱', but the context would make the meaning clear. For instance, '我向银行借钱' means 'I borrow money from the bank', while '银行借钱给我' means 'The bank lends money to me'.
Formal Context
'借款' often appears in more formal or financial contexts. For casual borrowing between friends, you're more likely to hear '借钱'.
Counting Loans
When referring to a specific number of loans, you can use '笔' (bǐ) as a measure word. For example, '一笔借款' (yī bǐ jièkuǎn) means 'one loan'.
Common Collocations
Common phrases with '借款' include: '申请借款' (shēnqǐng jièkuǎn) - 'to apply for a loan', '获得借款' (huòdé jièkuǎn) - 'to get a loan', '偿还借款' (chánghuán jièkuǎn) - 'to repay a loan'.
Beispiel
银行批准了他的借款申请。
Verwandte Inhalte
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本事
A2Skill; ability; capability.
相应地
B1Correspondingly.
账号
A2account (e.g., bank, online)
客户经理
A2account manager
账户
B1A record of financial transactions for an individual or business, usually at a bank; or a user profile for a digital service.
会计
A2accounting, accountant
收购
B1To purchase; to acquire (a company).
商业活动
A2Business activity.
广告费
A2Advertising expenses.
调整
B1To change something slightly in order to make it more correct, effective, or suitable.
