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B2 verb #4,500 más común 11 min de lectura

融資する

yuushi suru Top 4,500

Practícalo Ejemplos Notas y consejos 融資する en 30 segundos

Explicación 融資する in your Level:

融資する (yuushi suru) is a very difficult word for beginners. You don't need to use it yourself yet. At this level, you should use the word 'kasu' (貸す) which means 'to lend.' For example, if you lend an umbrella to a friend, you say 'kashimasu.' If you borrow money from a bank, you might hear this word on the news, but you can just think of it as a very polite and formal way for a bank to say they are lending money to a business. In A1, focus on 'kane o kasu' (lend money) and 'kane o kariru' (borrow money). You might see the kanji 融 (melt/flow) and 資 (money/resources) in big bank buildings, but don't worry about using the verb until you are much more advanced. Just remember: yuushi = big bank loan.

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At the A2 level, you might start seeing 融資する (yuushi suru) in simple news articles or while visiting a bank in Japan. It is a 'suru' verb, which means it follows the same patterns as 'benkyou suru' or 'kaimono suru.' It specifically means 'to finance' or 'to provide a business loan.' While you would still use 'kasu' (貸す) for your friends, you would see 'yuushi suru' in a sentence like 'The bank finances the company.' It's a formal word. You should recognize it when you see it in a bank or on a business website. The most important thing to know is that it's about money and it's formal. If you are applying for a credit card or a small loan, the bank staff might use this word. Don't use it for small things like lending a pen!

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By B1, you should understand that 融資する (yuushi suru) is part of professional Japanese. You will encounter it in business contexts and news. It is different from 'shusshi suru' (to invest). When a bank 'yuushi suru,' they expect the money back with interest. It is a debt. You should be able to use it in basic sentences about the economy or business. For example, 'Ginkou ga atarashii mise ni yuushi suru' (The bank finances a new shop). You should also know the noun form 'yuushi' (financing/loan). You might hear 'yuushi o ukeru' (to receive financing) which is a very common phrase for business owners. At this level, you are moving beyond simple daily life words and into the language of society and work.

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At the B2 level, you are expected to use 融資する (yuushi suru) correctly in business settings. You should understand the nuances of the word: it implies a formal, institutional process involving interest, collateral (tanpo), and a screening process (shinsa). You should be able to discuss different types of financing, such as 'mutanpo yuushi' (unsecured loan) or 'teikinri yuushi' (low-interest financing). You should also be comfortable with related terms like 'repayment' (hensai) and 'interest rate' (kinri). This is a key word for JLPT N2 level students. You should also be able to distinguish it from 'taiyo' (lending items) and 'shusshi' (investing capital for equity). In a business meeting, using 'yuushi' instead of 'kasu' shows that you have a professional command of the language.

For C1 learners, 融資する (yuushi suru) should be a versatile part of your vocabulary. You should understand its use in complex financial structures, such as 'kyouchou yuushi' (syndicated loans) or 'project finance.' You should be able to read and understand financial news that discusses the impact of central bank policies on the 'yuushi attitude' (融資姿勢) of private banks. You will also see it used in legal and contractual contexts. At this level, you should be able to debate the pros and cons of debt financing (yuushi) versus equity financing (shusshi). You should also be aware of the social connotations, such as the 'main bank' system in Japan and how it relates to corporate governance. Your usage should be precise, using appropriate adverbs and accompanying technical terminology.

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At the C2 level, you have a native-like grasp of 融資する (yuushi suru). You understand the subtle differences between it and terms like 'shikin kyouyo' or 'saiken kashitsuke.' You can navigate complex negotiations involving financing terms, covenants, and subordination. You are familiar with historical contexts, such as the role of 'over-loaning' (kaidai yuushi) in the Japanese bubble economy. You can use the word in high-level academic writing or corporate strategy discussions. You also understand the cultural nuances of the word, including its appearance in literature and media as a symbol of power and institutional support. You can explain the technical mechanisms of how a bank 'yuushi suru' through credit creation and its effect on the money supply.

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Practícalo Ejemplos Notas y consejos

融資する en 30 segundos

A formal verb meaning to finance or provide a loan, primarily used by banks and financial institutions for business purposes.
It differs from casual lending (貸す) and equity investment (出資), focusing specifically on debt-based capital provision.
Grammatically used as a suru-verb, often paired with particles に (recipient) and を (amount).
Essential for business Japanese, appearing frequently in economic news, banking, and professional contracts.

The Japanese verb 融資する (ゆうしする - yuushi suru) is a formal term that translates to 'to finance,' 'to provide a loan,' or 'to extend credit.' While the English word 'lend' (貸す - kasu) is used for everything from lending a pencil to a friend to a bank lending money, yuushi suru is strictly reserved for the professional act of providing capital, typically by a financial institution like a bank, credit union, or venture capital firm, to a business or individual for a specific purpose. It implies a formal agreement, interest rates, and often collateral.

The Financial Flow: The term is composed of two kanji: 融 (yuu), meaning 'to melt' or 'to flow,' and 資 (shi), meaning 'resources' or 'capital.' Together, they describe the 'flow of capital' from those who have it to those who need it to generate value.

In the Japanese business world, yuushi is a pillar of economic activity. You will hear this word constantly in news reports regarding the Bank of Japan, corporate earnings calls, and in popular media like the famous TV drama Hanzawa Naoki, which centers on the high-stakes world of bank financing. Unlike an investment (出資 - shusshi), where the provider takes an equity stake in the company, yuushi is a debt-based arrangement where the principal must be repaid with interest.

銀行は新興企業に対して、一億円を融資することを決定した。(The bank decided to finance 100 million yen to the startup.)

When individuals use this word, they are usually talking about significant life events like buying a home or starting a small business. You wouldn't say yuushi suru if you are lending 1,000 yen to a friend for lunch; that would sound absurdly formal. However, a mortgage is a form of yuushi, and the process of getting one involves a 'financing screening' (融資審査 - yuushi shinsa).

Institutional Context: Banks perform 'shinsa' (screening) before they yuushi suru. They look at the 'shinyousei' (credibility) of the borrower. This makes the word carry a weight of institutional trust.

政府系金融機関が中小企業に低金利で融資する。(Government-affiliated financial institutions provide low-interest loans to small and medium-sized enterprises.)

Understanding this word is crucial for anyone looking to work in a Japanese office or follow Japanese economic news. It represents the lifeblood of the corporate machine. While 'kasu' is a general verb, yuushi suru signifies a professional, legal, and economic commitment. It is the language of contracts, interest rates, and economic growth.

そのプロジェクトに融資する価値があるかどうか、慎重に検討する必要がある。(We need to carefully consider whether the project is worth financing.)

Collateral and Terms: When a bank decides to yuushi suru, they often require 'tanpo' (collateral). The conditions of the yuushi are outlined in a contract called 'yuushi keiyaku'.

担保なしで融資することは、銀行にとってリスクが高い。(Financing without collateral is high-risk for the bank.)

海外のインフラ事業に協調融資する。(To provide syndicated financing for overseas infrastructure projects.)

Using 融資する (yuushi suru) correctly requires understanding its grammatical role as a suru-verb. It typically takes the particle に (ni) or に対して (ni taishite) for the recipient of the funds, and the amount is marked by を (o). Because it is a formal word, it is almost exclusively used in the polite masu form or formal written style.

Standard Pattern: [Institution] が [Recipient] に [Amount] を融資する。
Example: 銀行がA社に5000万円を融資する。(The bank finances 50 million yen to Company A.)

One of the most common ways you'll see this word modified is with 'conditions' (条件 - jouken). You can say yuushi no jouken (conditions of financing) or use adverbs to describe how the financing is done. For instance, teikinri de yuushi suru (to finance at a low interest rate) or mutanpo de yuushi suru (to finance without collateral).

地方銀行は地元の商店街の再開発に積極的に融資する方針だ。(Regional banks have a policy to actively finance the redevelopment of local shopping districts.)

The word is also frequently used in the nominalized form yuushi (financing/loan). You'll see compound nouns like yuushi-waku (credit line/loan limit), yuushi-saki (the borrower/destination of the loan), and yuushi-shinsa (loan screening). When using the verb form in complex sentences, it often appears as yuushi shite morau (to have someone finance you) or yuushi o ukeru (to receive financing).

Passive vs. Active: While banks 'yuushi suru', companies 'yuushi o ukeru'. Using the passive 'yuushi sareru' is possible but less common than 'yuushi o ukeru' in business contexts.

創業したばかりの会社に融資するのは、銀行にとっても大きな決断です。(Financing a newly founded company is a big decision for a bank as well.)

In technical financial discussions, you might encounter kyouchou yuushi suru (to provide syndicated financing), where multiple banks team up to lend a massive amount to a single project. This demonstrates the verb's flexibility in describing various scales of financial support. Whether it's a small shop owner getting a startup loan or a multi-national corporation funding a new factory, yuushi suru is the operative verb.

住宅を購入するために、銀行から3000万円を融資する手続きを進めている。(I am proceeding with the procedures to be financed 30 million yen from the bank to buy a house.)

Finally, pay attention to the nuance of 'responsibility.' When an entity yuushi suru, they are taking on the risk of the borrower defaulting. Therefore, the verb is often surrounded by words related to 'risk management' (リスク管理), 'repayment' (返済), and 'viability' (実現可能性). It is never a casual transaction.

Common Adverbs: 積極的に (actively), 慎重に (cautiously), 迅速に (promptly), 大規模に (on a large scale).

災害復興のために、政府は特別枠で融資することを発表した。(The government announced it would provide financing through a special framework for disaster recovery.)

銀行は、その企業の将来性を高く評価し、追加で融資することにした。(The bank highly valued the company's future potential and decided to provide additional financing.)

The word 融資する (yuushi suru) is a staple of the Japanese media landscape, specifically in the business and economics sections. If you turn on NHK News or open the Nihon Keizai Shimbun (Nikkei), you will see it daily. It is used to describe the actions of the central bank, the movement of private capital, and international aid packages. For example, 'The World Bank will yuushi suru to developing nations for green energy projects.'

In Business News: News anchors often use the phrase '融資を実行する' (yuushi o jikkou suru), which means to 'execute' or 'carry out' the financing, indicating that the money has actually been moved.

In popular culture, yuushi suru is the central conflict of many business dramas. The most famous example is Hanzawa Naoki. In this show, the protagonist is a banker whose job is to decide whether to yuushi suru to various companies. The tension often comes from the 'screening' (審査) process, where political pressure or fraudulent data makes the decision to yuushi suru dangerous. This has made the word household knowledge even for people who don't work in finance.

「倍返しだ！」で有名な半沢直樹は、銀行がどこに融資するかを巡るドラマです。(Hanzawa Naoki, famous for 'Double the payback!', is a drama centered around where a bank decides to finance.)

Another place you will hear this is at a local bank branch. If you are a business owner in Japan, you will have meetings with a 'yuushi tantousha' (person in charge of financing). They will ask for your 'jigyou keikakusho' (business plan) before they can yuushi suru. In this context, the word is used with a high degree of politeness (Keigo) because the bank is providing a vital service to the customer.

Government Policy: During the COVID-19 pandemic, the term 'zero-zero yuushi' (zero interest, zero collateral financing) became a major topic in Japanese society as the government tried to save businesses.

日本銀行は中小企業を支援するために、民間銀行を通じて融資する仕組みを作った。(The Bank of Japan created a mechanism to finance small and medium-sized enterprises through private banks.)

You will also encounter this word in academic settings or when reading about economic history. Discussions about the 'bubble economy' often focus on how banks were too willing to yuushi suru for real estate projects that ultimately failed. In this sense, the word carries historical weight, representing both the growth and the risks of the Japanese economy.

国際通貨基金（IMF）は、経済危機に陥った国に緊急で融資する。(The IMF provides emergency financing to countries in economic crisis.)

クラウドファンディングとは異なり、銀行が融資する場合は返済義務が生じる。(Unlike crowdfunding, when a bank finances, a repayment obligation arises.)

The most common mistake learners make with 融資する (yuushi suru) is using it in casual contexts. It is a highly specific financial term. If you say to a friend, 'Can you yuushi suru me 500 yen for a coffee?', it sounds like you are asking them to set up a formal credit facility with interest and collateral. For personal favors, always use kasu (貸す).

Confusion with Shusshi (Investment): Many people confuse yuushi (融資) with shusshi (出資). Yuushi is a loan that must be repaid with interest. Shusshi is an investment where the investor gets a part of the company. If you say a bank is 'shusshi suru', you are saying they are buying the company, which is usually not what you mean.

Another error is the direction of the action. Yuushi suru is 'to provide the loan.' If you are the one getting the money, you cannot say 'I yuushi suru from the bank.' You must say 'I yuushi o ukeru' (receive financing) or 'The bank yuushi shite kureta' (The bank did the favor of financing me). Confusing the subject and object is a common B2-level pitfall.

❌ 友達に100円を融資する。
✅ 友達に100円を貸す。
(You don't finance a friend 100 yen; you lend it.)

Wait for the particles! Using o (を) and ni (に) correctly is vital. The money is o, and the person/company is ni. If you swap them, you might accidentally say you are 'financing the money to the bank,' which makes no sense.

Verb vs. Noun usage: Learners often forget that 'yuushi' is a noun that needs 'suru' to become a verb. Saying 'Ginkou ga yuushi Company A' is grammatically broken. It must be 'Ginkou ga Company A ni yuushi suru'.

❌ 銀行から融資する。
✅ 銀行から融資を受ける。
(You don't 'finance from' a bank; you receive financing.)

Lastly, be careful with the word 'Loan' (ローン). In Japanese, 'Loan' is often used for personal consumer credit (like a car loan or credit card debt), whereas yuushi is more professional and business-oriented. Using yuushi for a small credit card purchase sounds too grandiose.

❌ コンビニでパンを買うために融資する。
✅ コンビニでパンを買うためにお金を借りる。
(You don't finance a bun at a convenience store.)

❌ 彼は私のプロジェクトに融資する投資家だ。
✅ 彼は私のプロジェクトに出資する投資家だ。
(Investors usually 'shusshi' (invest), not 'yuushi' (loan), unless they are acting as a lender.)

Japanese has several words for 'lending' and 'providing money,' each with a specific register and context. Understanding the differences between 融資する (yuushi suru) and its synonyms is key to sounding natural in professional Japanese.

融資する vs. 貸す (Kasu): 融資する: Professional, institutional, for capital/business purposes. Always involves money.
貸す: General purpose. Used for money, books, umbrellas, or time. Can be used between friends or professionally.
融資する vs. 出資する (Shusshi suru): 融資する: A loan. The money must be paid back with interest. The lender doesn't own the business.
出資する: An investment. The provider gives money in exchange for shares (equity). They share in profits/losses.
融資する vs. 貸し付ける (Kashitsukeru): 融資する: Focuses on the 'provision of capital' for a productive purpose.
貸し付ける: A more clinical, legal term for the act of lending. Often used in legal documents or by money lenders.

Another common alternative is ローンを組む (ro-n o kumu). This specifically refers to 'taking out a loan' (from the borrower's perspective), usually for personal items like a car or house. While yuushi is the formal term for the bank's action, ro-n o kumu is what the average person says they are doing.

銀行から融資するのは難しいが、親戚からお金を借りることはできた。(Financing from a bank was difficult, but I was able to borrow money from a relative.)

In higher-level business Japanese, you might also see 資金供与 (shikin kyouyo). This is an extremely formal way to say 'provision of funds,' often used in government-to-government aid or massive corporate group internal transfers. It is even more formal than yuushi suru.

融資する vs. 貸与する (Taiyo suru): 融資する: Specifically for money/capital.
貸与する: Used for physical items provided by a company, like a uniform, a laptop, or a company car. 'Taiyo' implies the item will be returned, not 'paid back'.

ベンチャーキャピタルは通常、融資するのではなく、出資することで利益を得る。(Venture capitals usually gain profit by investing, not by financing.)

To summarize: Use kasu for friends, yuushi suru for banks/business loans, shusshi suru for buying shares, and taiyo suru for lending equipment. Mastering these distinctions is what separates intermediate learners from advanced Japanese speakers.

そのNGOは、途上国の農家に小規模な融資するマイクロファイナンスを行っている。(The NGO conducts microfinance, providing small-scale financing to farmers in developing countries.)

How Formal Is It?

Dato curioso

The kanji 融 is also used in 'yuuzuu' (flexibility), reflecting the idea that money should be fluid and flexible to keep the economy moving.

Guía de pronunciación

UK juːʃi suɾu

US juːʃi suɾu

The pitch accent is 'Heiban' (flat), meaning the pitch starts low and stays high for the rest of the word: yu-USHI-SURU.

Rima con

Juushi (重視 - emphasis) Chuushi (中止 - stop) Kyuushi (休止 - pause) Nyuushi (入試 - entrance exam) Shuushi (終始 - start to finish) Suushi (数詞 - numeral) Tsuushi (通詞 - interpreter) Koushi (講師 - lecturer)

Errores comunes

Pronouncing 'yuushi' with a short 'yu' (yushi), which can change the meaning.
Confusing the pitch accent with 'yuushi' (volunteer), which has an Atamadaka (head-high) accent.
Mispronouncing the 'sh' as a hard 's'.
Failing to elongate the 'uu' sound in 'yuu'.
Over-stressing the 'ru' at the end.

Nivel de dificultad

Lectura 4/5

The kanji 融 is complex, but the word is very common in news.

Escritura 5/5

Writing 融 correctly requires practice with its many strokes.

Expresión oral 3/5

The pronunciation is straightforward, but the pitch accent must be flat.

Escucha 3/5

Easy to hear, but don't confuse it with 'volunteer' (有志).

Qué aprender después

Requisitos previos

貸す (Kasu) 銀行 (Ginkou) お金 (Okane) 会社 (Kaisha) 利息 (Risoku)

Aprende después

出資する (Shusshi suru) 返済する (Hensai suru) 担保 (Tanpo) 審査 (Shinsa) 債務 (Saimu)

Avanzado

債権 (Saiken) 自己資本比率 (Jiko shihon hiritsu) デフォルト (Default) 金利政策 (Kinri seisaku) 流動性 (Ryuudousei)

Gramática que debes saber

Suru-verbs (Noun + する)

融資（Noun）+ する（Verb）= To finance.

Recipient particle 'ni'

A社（Recipient）に融資する。

Passive 'ukeru' vs 'sareru'

融資を受ける (More common in business) vs 融資される (Passive).

Nominalization with 'koto'

融資することを決定する。

Desire for others 'te hoshii'

銀行に融資してほしい。

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Ejemplos por nivel

銀行は会社にお金を融資する。

The bank finances money to the company.

Uses the basic [Noun] ni [Noun] o [Verb] pattern.

銀行が融資する。

The bank provides a loan.

Simple subject-verb structure.

お金を融資する。

To provide financing.

Object + Verb.

どこが融資するのですか？

Who is providing the financing?

Question form with 'no desu ka'.

銀行はたくさん融資する。

The bank finances a lot.

Adverbial use of 'takusan'.

あそこの銀行が融資する。

That bank over there will provide the loan.

Demonstrative 'asoko'.

融資する人はだれですか？

Who is the person who provides the financing?

Relative clause modifying 'hito'.

明日、銀行が融資する。

The bank will finance tomorrow.

Time expression 'ashita'.

銀行は新しいビジネスに融資する。

The bank finances new businesses.

Formal use of 'business' in Katakana.

その銀行は安く融資する。

That bank provides loans at a low cost (low interest).

Adverbial use of 'yasuku'.

銀行が融資することを決めました。

The bank decided to provide financing.

Verb nominalization with 'koto o kimeru'.

彼らは家を買うために融資する。

They (the bank) provide financing for buying a house.

Purpose 'tame ni'.

政府が中小企業に融資する。

The government finances small businesses.

Specific subject 'seifu'.

銀行は融資するかどうか考えます。

The bank will think about whether to finance or not.

Indirect question 'ka dou ka'.

早く融資してほしいです。

I want them to finance quickly.

Te-form + hoshii (desire for someone else's action).

銀行が融資してくれました。

The bank kindly provided financing.

Te-form + kureru (favor).

銀行は将来性のある企業に積極的に融資する。

Banks actively finance companies with future potential.

Use of 'sekkyokuteki ni' (actively).

担保がないと、銀行は融資してくれないだろう。

If there is no collateral, the bank probably won't finance.

Conditional 'to' and negative 'kurenai'.

銀行から融資してもらうのは大変だ。

It is difficult to have a bank finance you.

Te-form + morau (receiving action).

融資する条件を詳しく教えてください。

Please tell me the conditions for financing in detail.

Noun modification 'yuushi suru jouken'.

そのプロジェクトに融資する価値はない。

There is no value in financing that project.

Noun 'kachi' (value).

銀行はリスクを恐れて融資するのをやめた。

The bank feared the risk and stopped financing.

Te-form for reason/cause.

政府が低金利で融資することを発表した。

The government announced it would finance at low interest rates.

Quoting a decision with 'koto o happyou shita'.

どの銀行が一番多く融資していますか？

Which bank is providing the most financing?

Superlative 'ichiban'.

銀行は厳格な審査を経て、その事業に融資することに合意した。

After a strict screening, the bank agreed to finance the business.

Compound verb 'ni goui shita' (agreed to).

不動産を担保にして、銀行が融資する。

The bank finances using real estate as collateral.

Phrase 'o tanpo ni shite' (using as collateral).

海外進出を計画している企業に融資する枠を拡大する。

Expand the framework for financing companies planning overseas expansion.

Noun 'waku' (framework/quota).

銀行が融資する際の金利は、市場の状況によって変わる。

The interest rate when a bank finances changes depending on market conditions.

Grammar 'sai' (at the time of).

地方銀行は地元経済を支えるために、小規模農家に融資する。

Regional banks finance small-scale farmers to support the local economy.

Purpose clause 'sasaeru tame ni'.

ベンチャー企業に融資するのは、銀行にとってリスクが高い。

Financing venture companies is high-risk for banks.

Gerund-like 'no wa' as subject.

メガバンクが共同で、巨大なインフラ事業に融資する。

Mega-banks jointly finance a massive infrastructure project.

Adverb 'kyoudou de' (jointly).

銀行は、経営再建中の企業に追加で融資することを拒否した。

The bank refused to provide additional financing to the company under restructuring.

Verb 'kyohi shita' (refused).

銀行が特定セクターに過剰に融資することは、バブルを引き起こす懸念がある。

There are concerns that banks over-financing specific sectors could trigger a bubble.

Noun 'ken'en' (concern) with 'ga aru'.

日本銀行が民間銀行に対して、融資する際の指針を提示した。

The Bank of Japan presented guidelines for when private banks provide financing.

Noun 'shishin' (guidelines).

環境保護に貢献するプロジェクトに優先的に融資する「グリーンファイナンス」が普及している。

'Green finance,' which prioritizes financing for projects that contribute to environmental protection, is becoming widespread.

Adverb 'yuusenteki ni' (prioritizingly).

銀行は、債務超過の恐れがある企業に対しては融資するのを控える傾向にある。

Banks tend to refrain from financing companies at risk of insolvency.

Grammar 'hikaeru keikou ni aru' (tend to refrain).

シンジケートローンとは、複数の金融機関が同一の条件で融資することである。

A syndicated loan is when multiple financial institutions provide financing under the same conditions.

Definition pattern 'X to wa Y no koto de aru'.

銀行が融資するにあたって、経営陣の資質を重視するのは当然だ。

It's natural for banks to emphasize the quality of management when providing financing.

Grammar 'ni atatte' (upon/when).

政府は、不況時に銀行が融資するのを促進するため、公的資金を注入した。

The government injected public funds to encourage banks to finance during the recession.

Causative-like 'sokusin suru tame' (to promote).

銀行が融資する金額の総枠を規制することで、インフレを抑制しようとしている。

They are trying to curb inflation by regulating the total framework of the amount banks finance.

Volitional 'shiyou to shite iru' (trying to).

金融緩和政策のもと、銀行がリスクアセットに対して積極的に融資する姿勢が鮮明になった。

Under the monetary easing policy, the banks' stance of actively financing risk assets has become clear.

Advanced phrase 'shisai ga senmei ni natta' (stance became clear).

銀行が融資する際のコベナンツ（制限条項）は、企業の経営自由度を制限する場合がある。

Covenants (restrictive clauses) when a bank finances can sometimes limit a company's management flexibility.

Technical term 'covenants' in Katakana.

劣後ローンによる融資を実行することで、企業の自己資本比率を実質的に向上させる。

By executing financing via subordinated loans, the company's capital adequacy ratio is substantially improved.

Technical term 'retsugo loan' (subordinated loan).

銀行がプロジェクトの収益性のみを裏付けとして融資する手法を、プロジェクトファイナンスと呼ぶ。

The method where a bank finances based solely on the project's profitability as backing is called project finance.

Phrase 'o urazuke to shite' (with ... as backing).

銀行が過剰に融資することを防ぐため、BIS規制などの国際的なルールが設けられている。

To prevent banks from over-financing, international rules such as BIS regulations have been established.

Passive 'moukerarete iru' (have been established).

銀行が特定の系列企業に優先的に融資する慣行は、市場の公正な競争を妨げる可能性がある。

The practice of banks preferentially financing specific affiliated companies may hinder fair market competition.

Noun 'kankou' (custom/practice).

流動性危機に際して、中央銀行が最後の貸し手として市中銀行に融資する。

In the event of a liquidity crisis, the central bank finances commercial banks as the lender of last resort.

Technical term 'saigo no kashite' (lender of last resort).

銀行が融資する判断を下す際、ESG（環境・社会・ガバナンス）の観点を取り入れることが不可避となっている。

When banks make a decision to finance, incorporating ESG perspectives has become inevitable.

Adjective 'fukahi' (inevitable).

Colocaciones comunes

融資を実行する

融資を打ち切る

融資を申し込む

融資を受ける

融資の審査

無担保融資

協調融資

融資枠

融資姿勢

追加融資

Frases Comunes

融資の相談に乗る

— To give advice or listen to a request regarding financing.

銀行の担当者が融資の相談に乗ってくれた。

融資の目途が立つ

— To have a clear prospect or plan for getting financing.

ようやく融資の目途が立った。

融資を引き出す

— To successfully obtain financing (often implying effort).

粘り強い交渉で融資を引き出した。

融資を焦げ付かせる

— To have a loan go bad or fail to be repaid (default).

無理な融資が焦げ付いてしまった。

融資を渋る

— To be reluctant to provide financing.

銀行が融資を渋っている。

融資の対象

— The target or eligible entity for financing.

この制度は中小企業が融資の対象です。

融資の条件を詰める

— To finalize the specific conditions of a loan.

来週までに融資の条件を詰める予定だ。

融資の実行日

— The specific date when the funds are transferred.

融資の実行日は来月の10日です。

融資の返済計画

— The plan for how the loan will be paid back.

しっかりとした融資の返済計画を立てる。

融資の限度額

— The maximum amount that can be financed.

融資の限度額を確認する。

Se confunde a menudo con

融資する vs 出資する (Shusshi suru)

Investment (equity) vs. Financing (debt).

融資する vs 有志 (Yuushi)

Volunteer/Interested parties (same pronunciation, different kanji).

融資する vs 投資する (Toushi suru)

General investment, while yuushi is specifically a loan.

Modismos y expresiones

"融通を利かせる"

— To be flexible; to adapt to circumstances (derived from the same 'yuu' as yuushi).

締め切りについて少し融通を利かせてくれませんか？

Common

"首が回らない"

— To be up to one's neck in debt (often the result of too much yuushi).

借金で首が回らない状態だ。

Informal

"火の車"

— In desperate financial straits (needing yuushi immediately).

会社の経営は火の車だ。

Common

"雨の日に傘を取り上げ、晴れの日に傘を貸す"

— Banks take away umbrellas on rainy days and lend them on sunny days (Banks only lend to those who don't need it).

銀行は雨の日に傘を取り上げるような真似をするな。

Proverb/Business

"懐が痛む"

— To suffer a financial loss (when a yuushi isn't repaid).

融資が失敗して、銀行の懐が痛む。

Idiom

"金は天下の回りもの"

— Money comes and goes (justifying the flow of yuushi).

金は天下の回りものだから、いつか返ってくるよ。

Proverb

"自転車操業"

— Hand-to-mouth operation (relying on constant new yuushi to pay old debt).

今の経営は自転車操業で危うい。

Common

"皮算用"

— Counting chickens before they hatch (counting on yuushi that hasn't been approved).

融資が決まる前から利益を皮算用する。

Idiom

"大盤振る舞い"

— Lavish generosity (sometimes used ironically for loose lending).

銀行がかつてないほどの大盤振る舞いで融資する。

Common

"足元を見る"

— To take advantage of someone's weakness (banks charging high interest to desperate borrowers).

銀行に足元を見られて、高い利息で融資された。

Common

Fácil de confundir

融資する vs 貸与する

Both involve giving something temporarily.

Yuushi is only for money. Taiyo is for physical items like laptops or uniforms.

社員にPCを貸与する。(NOT 融資する)

融資する vs 貸し付ける

Both mean to lend money professionally.

Kashitsukeru is more legal/clinical. Yuushi is the standard business term for capital provision.

消費者金融がお金を貸し付ける。

融資する vs 助成する

Both involve providing money to support a cause.

Yuushi must be repaid. Josei is usually a grant or subsidy that isn't paid back.

政府が研究を助成する。

融資する vs 寄付する

Both involve giving money.

Kifu is a donation (no repayment). Yuushi is a business transaction (repayment required).

被災地に寄付する。

融資する vs 融通する

Same first kanji, similar meaning of providing funds.

Yuuzuu is more about 'helping out' or 'circulating' funds, often short-term or less formal than a bank loan.

急な支払いのために資金を融通する。

Patrones de oraciones

[Bank] が [Company] に融資する。

銀行がその店に融資する。

[Company] は銀行から融資を受ける。

私の会社は銀行から融資を受ける。

[Amount] を [Condition] で融資する。

1000万円を低金利で融資する。

[Collateral] を担保に融資する。

土地を担保に融資する。

[Purpose] のために [Framework] で融資する。

復興のために特別枠で融資する。

[Recipient] に対する融資を打ち切る。

その企業に対する融資を打ち切る。

[Constraint] を条件に融資を実行する。

コベナンツの遵守を条件に融資を実行する。

[Risk] を考慮して融資を控える。

信用リスクを考慮して融資を控える。

Familia de palabras

Sustantivos

融資 (Yuushi - Financing/Loan)

融資先 (Yuushisaki - Borrower)

融資枠 (Yuushiwaku - Credit line)

融資条件 (Yuushijouken - Loan terms)

Verbos

融資を受ける (Yuushi o ukeru - To receive financing)

融資を引き出す (Yuushi o hikidasu - To secure financing)

Relacionado

銀行 (Ginkou - Bank)

利息 (Risoku - Interest)

担保 (Tanpo - Collateral)

審査 (Shinsa - Screening)

返済 (Hensai - Repayment)

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Cómo usarlo

frequency

Very common in business and news, rare in casual daily life.

Errores comunes

Using 'yuushi suru' for friends. → 友達にお金を貸す。
Yuushi suru is strictly institutional and formal. For personal lending, use 'kasu'.
Saying 'Ginkou kara yuushi suru' to mean you got a loan. → 銀行から融資を受ける。
Yuushi suru means 'to provide the loan.' If you are the borrower, you 'receive' (ukeru) it.
Confusing 'yuushi' with 'shusshi'. → 投資家が会社に出資する。
Shusshi is investment for equity. Yuushi is a loan that must be repaid. They are very different in finance.
Using 'yuushi' for physical objects. → 会社がPCを貸与する。
Yuushi is only for money/capital. For objects, use 'kasu' or 'taiyo'.
Misplacing the particle 'ni'. → 銀行が企業に融資する。
The person or company receiving the money is marked with 'ni'. The money itself is marked with 'o'.

Consejos

Use in Business

Always use 'yuushi suru' when writing business plans or formal emails to a bank. It shows you understand Japanese corporate culture.

Passive Forms

Remember that 'yuushi o ukeru' (to receive financing) is much more natural for the borrower than the passive 'yuushi sareru'.

Synonym Nuance

Don't confuse 'yuushi' with 'shusshi.' One is a debt, the other is equity. This is a common point of confusion for students and business people alike.

Main Bank Context

Understand that in Japan, 'yuushi' often comes with advice and monitoring from the bank, not just money.

Long Vowel

Make sure to hold the 'yuu' sound for two beats. If it's too short, it might be misheard as 'yushi' (fat/tallow).

Kanji Breakdown

Think of the 'melt' (融) kanji as the bank 'melting' its frozen assets to let them 'flow' into your business.

Politeness

When asking a bank for money, use 'yuushi no go-soudan' to be extremely polite.

News Keywords

When you hear 'yuushi' in the news, listen for 'shinsa' (screening) and 'kinri' (interest) to understand the full story.

YOU-SHE

Imagine YOU and SHE are bankers. You both decide to 'yuushi suru' to a new startup.

Particle Ni

The recipient of the finance always takes the particle 'ni' or 'ni taishite'.

Memorízalo

Mnemotecnia

Think of 'YOU' (yuu) and 'SHE' (shi). Imagine YOU and SHE are going to the bank to get a loan for your new business.

Asociación visual

Imagine a block of ice (capital) MELTING (融) and FLOWING into a box of MONEY (資).

Word Web

Bank Interest Contract Repayment Capital Business Collateral Screening

Desafío

Try to use 'yuushi suru' in a sentence about a startup company getting money from a big bank.

Origen de la palabra

The word comes from the combination of two kanji: '融' (Yu) meaning to melt, blend, or flow, and '資' (Shi) meaning capital, resources, or assets.

Significado original: The original concept refers to the 'melting and flowing of capital' to where it is needed, much like water flowing to fill a dry area.

Sino-Japanese (Kango).

Contexto cultural

Be careful not to use this for personal loans between friends, as it sounds overly formal or robotic.

In English, we use 'finance' or 'lend.' 'Finance' is the closest equivalent in a business context.

Hanzawa Naoki (TV Drama about bank financing) The Bank of Japan (BOJ) official reports Nikkei Business Daily

Practica en la vida real

Contextos reales

Banking / Finance

融資の申し込み
融資審査
金利の設定
融資の実行

Business News

銀行の融資姿勢
追加融資の決定
融資の打ち切り
協調融資の実施

Real Estate

住宅ローンの融資
担保の評価
融資限度額
つなぎ融資

Startups

創業融資
日本政策金融公庫の融資
事業計画書の提出
無担保無保証の融資

Government Policy

中小企業への融資支援
特別枠の融資
利子補給
融資枠の拡大

Inicios de conversación

"銀行から融資を受けるための条件は何ですか？ (What are the conditions for receiving financing from a bank?)"

"最近、銀行の融資姿勢が厳しくなったと感じますか？ (Do you feel that banks' lending attitudes have become stricter recently?)"

"新規事業のために融資を申し込んだことがありますか？ (Have you ever applied for financing for a new business?)"

"政府の新しい融資制度についてどう思いますか？ (What do you think about the government's new financing system?)"

"不動産投資のために融資を利用する予定はありますか？ (Do you plan to use financing for real estate investment?)"

Temas para diario

もし自分が銀行の担当者だったら、どのような企業に融資したいか書いてください。 (Write about what kind of company you would want to finance if you were a bank officer.)

融資を受けることのメリットとデメリットについて、自分の考えをまとめてください。 (Summarize your thoughts on the pros and cons of receiving financing.)

将来、大きな買い物のために融資（ローン）を利用する計画を立ててみましょう。 (Try to make a plan for using financing (a loan) for a large purchase in the future.)

「融資」と「出資」の違いを説明する短い記事を日本語で書いてください。 (Write a short article in Japanese explaining the difference between 'yuushi' and 'shusshi'.)

ドラマやニュースで見た「融資」に関する印象的なシーンを思い出して書いてください。 (Recall and write about an impressive scene regarding 'yuushi' that you saw in a drama or news.)

Preguntas frecuentes

10 preguntas

No, it is too formal. Use 'kasu' (貸す) instead. If you use 'yuushi suru,' it sounds like you are a bank and your friend is a corporation. It might be used as a joke, but it's not natural for daily life.

In Japanese, 'loan' (ローン) usually refers to personal consumer debt like car loans or credit cards. 'Yuushi' (融資) is the formal word for business financing or institutional capital provision. Banks 'yuushi suru' to companies.

You should say '融資を受けた' (yuushi o ukeru), which means 'I received financing.' You can also say '融資してもらった' (yuushi shite moratta) to sound more grateful.

Mostly, yes. It can also be used for government agencies (like the Japan Finance Corporation) or venture capital firms when they provide debt, but it always implies a professional financial arrangement.

It means 'unsecured financing' or 'financing without collateral.' 'Mutanpo' means 'no collateral.' These loans usually have higher interest rates because they are riskier for the bank.

No, 'yuushi' is strictly for capital/money. If you are lending an object, use 'kasu' or 'taiyo suru.'

It is a 'syndicated loan.' This is when several banks work together to finance a very large project that is too big for a single bank to handle alone.

Because the protagonist works in the 'Yuushi-bu' (Financing Department) of a major bank. His job is to decide which companies are trustworthy enough for the bank to finance.

Yes, it is a common word for the N2 and N1 levels, as it appears frequently in business reading passages and news listening sections.

Yes, a big one! 'Yuushi' is a loan (must be paid back with interest). 'Shusshi' is an investment (you get shares of the company). Banks 'yuushi,' while venture capitalists 'shusshi.'

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