신용
신용 en 30 segundos
- 신용 (Sinyong) means 'credit' or 'trust'.
- It is used for credit cards (신용카드) and financial ratings.
- It also describes a person's reputation for being reliable.
- Losing '신용' means people no longer trust your word or your ability to pay.
The Korean word 신용 (Sinyong) is a foundational concept that bridges the gap between interpersonal psychology and financial systems. At its core, it represents the quality of being trusted or believable. In a social context, it refers to the reputation one builds over time, allowing others to rely on their word or actions. In a financial context, it specifically refers to 'credit'—the ability to borrow money or access services based on the trust that payment will be made in the future. This dual nature makes it one of the most versatile nouns in the Korean language, appearing in everything from casual conversations about friendship to complex banking documents.
- Etymological Root
- Derived from the Hanja 信 (신 - trust/faith) and 用 (용 - use/utility), literally meaning 'the utility of trust' or 'using trust as a resource'.
그 사람은 신용이 아주 두터운 사람이에요. (That person is someone whose credit/trustworthiness is very deep.)
Understanding '신용' requires looking at how Korean society values collective reliability. Unlike Western concepts of credit which are often purely numerical (credit scores), the Korean '신용' often carries a moral weight. To lose one's '신용' is not just a financial setback but a social failure. This is why the word is used so frequently in business negotiations; it isn't just about the contract, but the '신용' established between the parties. In modern Korea, this has evolved into the '신용사회' (credit-based society), where digital footprints and financial history dictate one's social mobility and convenience.
- Financial Application
- It refers to the credit limit, credit rating (신용등급), and the general financial standing of an individual or corporation.
은행에서 신용 대출을 받았습니다. (I received a credit loan from the bank.)
The word also appears in the context of '신용도' (degree of credit/reliability). This is a metric used by employers, landlords, and banks. A high '신용도' suggests that the person is punctual, honest, and financially stable. Conversely, '신용불량자' (a person with bad credit) is a heavy label in Korea, often implying someone who is barred from many standard economic activities due to past failures to meet obligations. Thus, '신용' is both a shield and a sword in the Korean economic landscape.
- Social Context
- In friendships, '신용' is built by keeping promises (약속). If you are late often, your '신용' drops.
친구 사이에는 신용이 제일 중요해요. (Between friends, trust is the most important thing.)
그 회사는 국제적인 신용을 얻었습니다. (That company has gained international credit/trust.)
신용을 잃는 것은 한순간이지만, 쌓는 것은 평생이 걸립니다. (Losing trust happens in a moment, but building it takes a lifetime.)
Using 신용 correctly depends on whether you are talking about money or people. As a noun, it often pairs with verbs like '있다' (to have), '없다' (to not have), '얻다' (to gain), and '잃다' (to lose). In financial settings, it is frequently used as a prefix to create compound nouns. For example, 신용카드 (credit card) is the most common usage for beginners. When you use a credit card, you are essentially 'using your credit' to pay later.
- Common Verb Pairings
- 신용을 지키다 (to keep one's word/credit), 신용을 회복하다 (to restore credit), 신용이 떨어지다 (credit/trust drops).
결제는 신용카드로 하시겠습니까? (Would you like to pay by credit card?)
When describing a person's character, you might say '신용이 있는 사람' (a trustworthy person). This implies they are reliable and keep their promises. In a professional setting, if a company has '신용', it means they have a good track record and are likely to fulfill their contracts. It is important to note that '신용' is more formal than '믿음' (belief/trust). While '믿음' is used for emotional or religious trust, '신용' is used for functional, objective, or financial reliability.
- Sentence Patterns
- [Subject] + 은/는 + 신용이 + 좋다/나쁘다 (Subject's credit/trust is good/bad).
그는 약속을 잘 안 지켜서 신용을 잃었어요. (He lost trust because he doesn't keep promises well.)
In advanced usage, '신용' can be used in the context of '신용거래' (credit transaction) or '신용평가' (credit evaluation). If you are living in Korea, you will often receive messages about your '신용점수' (credit score) from apps like KakaoPay or Toss. Maintaining a high score is essential for getting low-interest loans. Therefore, '신용을 관리하다' (managing one's credit) is a common phrase among adults.
- Compound Words
- 신용등급 (Credit grade), 신용조회 (Credit inquiry), 신용사회 (Credit society).
대출을 받으려면 신용 등급이 높아야 해요. (To get a loan, your credit rating must be high.)
사업에서 가장 큰 자산은 신용입니다. (The biggest asset in business is credit/trust.)
그의 신용도는 바닥으로 떨어졌다. (His reliability/credit rating fell to the floor.)
You will encounter 신용 in three primary environments: banks, retail stores, and workplace dramas. In a bank, the word is ubiquitous. Every loan application, credit card issuance, and financial advice session revolves around your '신용'. You'll hear bank tellers ask about your '신용등급' or explain the '신용대출' process. In retail, specifically at checkout counters, the most common question after 'How would you like to pay?' is '신용카드로 결제하시겠어요?' (Would you like to pay by credit card?).
- At the Bank
- 신용도가 낮아서 대출이 어렵습니다. (Loans are difficult because your credit rating is low.)
이 카드는 신용 한도가 얼마인가요? (What is the credit limit on this card?)
In Korean dramas (K-Dramas), especially those focusing on business or law, '신용' is often a plot point. A character might be betrayed, leading to a loss of '신용' in the industry, or a protagonist might struggle to clear their name and restore their '신용'. It represents their social standing. You might hear a CEO say, '우리 회사의 신용이 걸린 문제입니다' (This is a matter where our company's credit/reputation is at stake). This highlights that '신용' is more than money; it is the lifeblood of professional survival.
- In Daily Life
- When signing up for a new app or service, you often see '신용정보 이용 동의' (Agreement to use credit information).
제 신용 점수가 올랐어요! (My credit score went up!)
News reports frequently use '신용' when discussing the national economy. '국가 신용 등급' (Sovereign credit rating) refers to how international agencies like Moody's or S&P view Korea's financial stability. If the national '신용' drops, it affects everything from exchange rates to the cost of imported goods. Thus, the word scales from the individual level (your wallet) to the global level (the nation's economy).
- News Headlines
- 한국의 국가 신용 등급이 상향 조정되었습니다. (Korea's sovereign credit rating has been upgraded.)
온라인 쇼핑몰의 신용도를 확인하세요. (Check the reliability/credit of the online shopping mall.)
신용이 생명이다. (Credit/Trust is life - a common business motto.)
그 가게는 신용이 없어서 손님이 줄었어요. (That shop lost trust, so customers decreased.)
One of the most frequent mistakes learners make is confusing 신용 (Sinyong) with 신뢰 (Silloe). While both mean 'trust', they are used in different contexts. '신용' is more about 'reliability' based on past performance or financial standing. '신뢰' is deeper, often referring to emotional trust or faith in someone's character. You wouldn't say '신뢰카드' for a credit card, and you rarely use '신용' to describe the bond between a parent and child.
- Mistake 1: Overusing '신용' for personal feelings
- Incorrect: 나는 내 여자친구를 신용해. (I 'credit' my girlfriend.)
Correct: 나는 내 여자친구를 신뢰해/믿어. (I trust/believe my girlfriend.)
비즈니스에서는 신용이, 연인 사이에는 신뢰가 중요합니다. (In business, credit/reliability is important; between lovers, trust is important.)
Another common error is the confusion between '신용' and '자신' (confidence). Because '자신' (自信) literally means 'self-trust', learners sometimes use '신용' when they mean they are confident in their own abilities. Remember: '신용' is how *others* view your reliability, while '자신' is how *you* view your own capability. If you say '나는 신용이 있어', it sounds like you are bragging about your credit score or your reputation, not that you are feeling confident about a test.
- Mistake 2: Confusing '신용' with '외상'
- '신용' is the *ability* to get credit. '외상' (oesang) is the *act* of buying on credit (tab). Don't say '신용으로 먹다' when you mean '외상으로 먹다' (to eat on a tab).
신용이 좋으면 외상도 가능합니다. (If your credit is good, buying on a tab is also possible.)
Finally, watch out for the pronunciation. The 'ㄴ' in '신' and 'ㅇ' in '용' can sometimes blend in fast speech, but it should be clearly 'Sin-yong'. Mispronouncing it as '시뇽' (Sinyong - with a soft 'n') is common but usually understood. However, ensure you don't confuse it with '시용' (siyong), which means 'trial use' or 'testing'. Asking for a '신용' period instead of a '시용' period at a software company might lead to a confusing conversation about your bank account!
- Mistake 3: Mixing up '신용' and '시용'
- 시용 기간 (Trial period) vs 신용 기간 (Credit period - rarely used in this way).
제품을 시용해 보고 신용카드로 샀어요. (I tried the product and bought it with a credit card.)
그는 신용이 없는 행동을 자주 해요. (He often does things that lack reliability/trustworthiness.)
은행은 신용을 먹고 사는 집단입니다. (Banks are groups that live off credit/trust.)
To truly master 신용, you must understand its neighbors in the semantic field of 'trust'. The most common synonyms and related terms are 신뢰, 믿음, 의리, and 평판. Each has a specific nuance that changes the tone of your sentence. Using the wrong one won't always make you incomprehensible, but using the right one will make you sound like a native speaker.
- 신용 vs 신뢰 (Silloe)
- '신용' is objective and performance-based (Did you pay? Did you arrive on time?). '신뢰' is subjective and heart-based (Do I believe in your soul/intentions?).
은행은 신용을 확인하고, 친구는 신뢰를 쌓는다. (Banks check credit, and friends build trust.)
Then there is 믿음 (Mideum). This is the most general term for 'belief' or 'trust'. It is used in religious contexts (하나님에 대한 믿음 - faith in God) and in very casual contexts. If '신용' is a formal suit, '믿음' is a comfortable pair of jeans. Another interesting word is 의리 (Uiri), which is often translated as 'loyalty' or 'honor'. While '신용' is about being reliable, '의리' is about staying true to a person even when it's difficult. A person with '신용' pays their debts; a person with '의리' stays by your side when you are bankrupt.
- 신용 vs 평판 (Pyeongpan)
- '평판' means 'reputation'. '신용' is a component of your reputation. You can have a good '평판' for being funny, but bad '신용' because you never pay for lunch.
그 가수는 평판은 좋지만 경제적 신용은 낮아요. (That singer has a good reputation but low financial credit.)
Lastly, consider 정직 (Jeongjik - honesty). Honesty is the foundation of '신용'. Without '정직', you cannot build '신용'. However, '정직' is a character trait, while '신용' is a social/financial asset. In a professional Korean environment, you will often hear these words used together in the phrase '정직과 신용' (Honesty and Credit/Trust), which is a common corporate value. Understanding these nuances will help you navigate the complex social hierarchies and business etiquette of Korea.
- Summary Table
- 신용: Credit/Reliability (Business/Money)
신뢰: Trust/Faith (Deep Relationships)
믿음: Belief (General/Casual)
의리: Loyalty (Social Bonds)
우리 회사는 신용을 최우선으로 합니다. (Our company puts credit/trust as the top priority.)
신용은 제2의 재산이다. (Credit is one's second wealth.)
How Formal Is It?
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Nivel de dificultad
Gramática que debes saber
Ejemplos por nivel
신용카드로 결제할게요.
I'll pay by credit card.
-로 (by means of)
신용카드가 어디에 있어요?
Where is the credit card?
-가 (subject marker)
여기는 신용카드가 안 돼요.
Credit cards are not accepted here.
안 돼요 (is not possible/allowed)
신용카드를 잃어버렸어요.
I lost my credit card.
-를 (object marker)
신용카드 영수증 주세요.
Please give me the credit card receipt.
주세요 (please give)
이것은 제 신용카드예요.
This is my credit card.
-예요 (to be)
신용카드를 만들고 싶어요.
I want to make a credit card.
-고 싶어요 (want to)
신용카드 비밀번호가 뭐예요?
What is the credit card password?
뭐예요? (what is?)
그 사람은 신용이 좋아요.
That person has good credit/trust.
좋아요 (is good)
친구의 신용을 얻었어요.
I gained my friend's trust.
얻었어요 (gained)
신용이 없으면 친구를 사귀기 힘들어요.
If you don't have trust, it's hard to make friends.
-기 힘들어요 (hard to do)
약속을 지켜서 신용을 쌓으세요.
Build trust by keeping your promises.
-아서/어서 (reason)
그는 신용을 잃어서 슬퍼요.
He is sad because he lost trust.
잃어서 (because he lost)
신용 있는 가게에서 물건을 사요.
Buy things from a trustworthy shop.
신용 있는 (trustworthy)
은행에서 신용을 확인해요.
The bank checks the credit.
확인해요 (checks)
신용이 중요한 시대예요.
It is an era where credit/trust is important.
중요한 (important)
신용 등급이 낮으면 대출이 안 돼요.
If your credit rating is low, you can't get a loan.
-면 (if)
신용 사회에서는 약속이 생명입니다.
In a credit society, promises are life.
생명입니다 (is life - metaphor)
신용 불량자가 되지 않도록 조심하세요.
Be careful not to become a person with bad credit.
-지 않도록 (so that not)
신용 카드를 너무 많이 쓰면 위험해요.
It's dangerous if you use credit cards too much.
위험해요 (is dangerous)
그 기업은 국제적인 신용을 얻었습니다.
That enterprise has gained international credit.
국제적인 (international)
신용 정보를 보호하는 것이 중요합니다.
It is important to protect credit information.
-는 것 (gerund/noun phrase)
신용 대출 금리가 올랐어요.
The credit loan interest rate has risen.
금리 (interest rate)
신용을 회복하는 데 시간이 걸려요.
It takes time to restore credit/trust.
-는 데 (in doing/for doing)
신용 평가 기준이 강화되었습니다.
Credit evaluation standards have been strengthened.
강화되었습니다 (has been strengthened)
신용 거래를 통해 경제가 활성화됩니다.
The economy is revitalized through credit transactions.
-를 통해 (through)
신용 한도를 증액하고 싶습니다.
I would like to increase my credit limit.
증액하다 (to increase amount)
그의 신용도는 바닥으로 떨어졌습니다.
His reliability/credit rating fell to the floor.
바닥으로 (to the floor/bottom)
신용 보증 기금의 도움을 받았습니다.
I received help from the Credit Guarantee Fund.
보증 (guarantee)
신용카드 연체는 신용도에 치명적입니다.
Credit card delinquency is fatal to your credit rating.
치명적 (fatal/critical)
신용을 담보로 돈을 빌릴 수 있습니다.
You can borrow money using credit as collateral.
담보 (collateral)
신용 사회의 어두운 면을 보여줍니다.
It shows the dark side of a credit society.
어두운 면 (dark side)
국가 신용 등급 하락은 경제 위기를 초래할 수 있다.
A drop in sovereign credit rating can cause an economic crisis.
초래하다 (to cause/bring about)
신용장(L/C)은 무역 거래에서 필수적인 서류이다.
A Letter of Credit (L/C) is an essential document in trade.
필수적인 (essential)
신용은 자본주의 시스템을 지탱하는 근간이다.
Credit is the foundation that supports the capitalist system.
지탱하는 (supporting)
개인의 신용 정보 유출은 심각한 사회적 문제이다.
The leakage of individual credit information is a serious social problem.
유출 (leakage)
신용 평가 기관의 객관성이 의심받고 있다.
The objectivity of credit rating agencies is being questioned.
의심받다 (to be doubted)
신용 대출의 문턱이 높아져 서민들이 힘들다.
The threshold for credit loans has risen, making it hard for ordinary people.
문턱 (threshold)
신용은 무형의 자산으로서 가치가 매우 높다.
As an intangible asset, credit has very high value.
-로서 (as/in the capacity of)
신용을 잃은 정치인은 다시 일어서기 어렵다.
A politician who has lost trust finds it hard to rise again.
일어서기 (rising/standing up)
신용의 본질은 미래의 가치를 현재로 끌어오는 것이다.
The essence of credit is bringing future value into the present.
본질 (essence)
신용 화폐 제도는 신뢰라는 심리적 토대 위에 서 있다.
The fiat money system stands on a psychological foundation called trust.
토대 (foundation)
신용 파생 상품의 복잡성이 금융 위기를 심화시켰다.
The complexity of credit derivatives deepened the financial crisis.
심화시키다 (to deepen/intensify)
신용은 단순한 수치를 넘어 인간 관계의 정수를 담고 있다.
Credit goes beyond simple numbers and contains the essence of human relationships.
정수 (essence/quintessence)
신용 공여 한도를 초과하여 제재를 받게 되었다.
They came to receive sanctions for exceeding the credit provision limit.
제재 (sanction)
신용은 보이지 않는 끈처럼 사회 구성원을 연결한다.
Credit connects social members like an invisible string.
-처럼 (like)
신용의 붕괴는 곧 문명의 퇴보를 의미할 수 있다.
The collapse of credit could soon mean the regression of civilization.
퇴보 (regression)
신용을 관리하는 것은 현대인의 가장 중요한 덕목 중 하나다.
Managing credit is one of the most important virtues of modern people.
덕목 (virtue)
Colocaciones comunes
Frases Comunes
신용이 가다 (to be trustworthy)
신용을 지키다 (to keep one's word)
신용을 떨어뜨리다 (to lower one's credit)
신용이 두텁다 (to have deep trust)
신용으로 사다 (to buy on credit)
신용이 생명이다 (trust is life)
신용을 담보로 (with credit as collateral)
신용이 떨어지다 (trust drops)
신용을 확인하다 (to check credit)
신용을 바탕으로 (based on trust)
Se confunde a menudo con
Modismos y expresiones
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Fácil de confundir
Patrones de oraciones
Cómo usarlo
'신용' is more transactional than '신뢰'.
Very high in both daily and professional life.
- Using 신용 for 'confidence' (should be 자신).
- Using 신용 for 'faith' (should be 믿음).
- Confusing 신용 (credit) with 시용 (trial).
- Saying '신용해요' instead of '신뢰해요' for people.
- Misspelling it as '시뇽'.
Consejos
Learn the Hanja
信 (Trust) + 用 (Use). It helps you remember the meaning.
Credit Cards
Korea is a cashless society; always have your '신용카드' ready.
Verb Pairings
Memorize '얻다' (gain) and '잃다' (lose) with 신용.
Pronunciation
Don't skip the 'n' sound.
Context
If you hear it at a bank, it's financial.
Formal Tone
Use 신용 in business emails.
Reliability
Being on time builds your '신용'.
Credit Score
Check your '신용점수' if you live in Korea.
Sinyong vs Silloe
Sinyong = Performance, Silloe = Character.
Proverb
'신용은 제2의 재산' - Remember this for exams.
Memorízalo
Origen de la palabra
Sino-Korean
Contexto cultural
Modern '신용' is now often reflected in one's social media influence or 'Manner Temperature' on apps like Karrot Market.
In Korean business, '신용' is built over time through consistent punctuality and small favors.
Practica en la vida real
Contextos reales
Inicios de conversación
"신용카드를 자주 사용하세요?"
"사람들 사이에서 신용이 왜 중요할까요?"
"신용 등급을 올리는 방법을 아세요?"
"친구에게 돈을 빌려줄 때 신용을 어떻게 확인해요?"
"신용이 없는 사람과 일할 수 있나요?"
Temas para diario
나에게 '신용'이란 무엇인가?
신용을 잃었던 경험이 있나요?
신용카드를 처음 만들었을 때의 기분은?
우리 사회에서 신용이 왜 중요한지 써 보세요.
신용이 좋은 사람이 되기 위해 무엇을 해야 할까요?
Preguntas frecuentes
10 preguntas신용 is about reliability and credit (often financial), while 신뢰 is deeper emotional trust.
It sounds a bit cold; '믿음' or '사랑' is better for family.
A person with a very bad credit score who cannot use financial services.
Yes, it is the standard term.
You say '신용을 쌓다'.
There is a homonym '시늉' which means pretending, but '신용' is trust.
Yes, it is a Sino-Korean word and sounds professional.
신용 등급 (Sinyong deung-geup).
No, you must use '신용하다' or '신용이 있다'.
A loan based on your credit score without collateral.
Ponte a prueba 184 preguntas
Write a sentence using '신용카드'.
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Write a sentence using '신용을 잃다'.
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Explain why '신용' is important in 1 sentence.
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Write a sentence using '신용등급'.
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Translate: 'I want to build trust.'
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Write a sentence using '신용대출'.
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Translate: 'Credit is an intangible asset.'
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Write a sentence using '신용사회'.
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Translate: 'Don't lose your friend's trust.'
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Write a sentence using '신용정보'.
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Translate: 'My credit score went up.'
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Write a sentence using '신용을 지키다'.
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Translate: 'The bank checked my credit.'
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Write a sentence using '신용불량자'.
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Translate: 'Credit is life.'
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Write a sentence using '신용 한도'.
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Translate: 'International credit rating.'
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Write a sentence using '신용을 회복하다'.
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Translate: 'Trustworthy person.'
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Write a sentence using '신용평가'.
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Say: '신용카드로 결제할게요.'
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Say: '신용이 중요해요.'
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Say: '신용 등급이 몇 등급이에요?'
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Say: '신용을 잃지 마세요.'
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Say: '신용 대출을 받고 싶어요.'
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Say: '신용은 무형의 자산입니다.'
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Say: '신용 한도가 얼마예요?'
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Say: '신용 사회에 살고 있어요.'
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Say: '신용 정보를 확인하세요.'
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Say: '신용을 쌓는 것은 힘들어요.'
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Dijiste:
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Say: '신용불량자가 되기 싫어요.'
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Say: '신용은 생명입니다.'
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Say: '신용 점수가 올랐어요.'
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Say: '신용을 회복해야 해요.'
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Say: '신용 평가를 받았어요.'
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Say: '신용 있는 사람이 되세요.'
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Say: '신용카드를 잃어버렸어요.'
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Say: '신용은 제2의 재산이에요.'
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Say: '신용을 담보로 빌려요.'
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Say: '신용 등급을 관리하세요.'
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Listen and write: '신용카드'
Listen and write: '신용 등급'
Listen and write: '신용을 잃다'
Listen and write: '신용 대출'
Listen and write: '신용 사회'
Listen and write: '신용불량자'
Listen and write: '신용 정보'
Listen and write: '신용을 쌓다'
Listen and write: '신용 평가'
Listen and write: '신용 한도'
Listen and write: '신용 점수'
Listen and write: '신용 회복'
Listen and write: '신용장'
Listen and write: '신용도'
Listen and write: '신용을 지키다'
/ 184 correct
Perfect score!
Summary
신용 is the essential 'currency of trust' in Korea, encompassing both your financial ability to use a credit card and your social reputation for keeping promises. Example: '신용이 생명이다' (Credit/Trust is life).
- 신용 (Sinyong) means 'credit' or 'trust'.
- It is used for credit cards (신용카드) and financial ratings.
- It also describes a person's reputation for being reliable.
- Losing '신용' means people no longer trust your word or your ability to pay.
Learn the Hanja
信 (Trust) + 用 (Use). It helps you remember the meaning.
Credit Cards
Korea is a cashless society; always have your '신용카드' ready.
Verb Pairings
Memorize '얻다' (gain) and '잃다' (lose) with 신용.
Pronunciation
Don't skip the 'n' sound.
Ejemplo
은행에서 신용 대출을 받았습니다.
Contenido relacionado
Esta palabra en otros idiomas
Frases relacionadas
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에 대한
A2Concerning or relating to; about, regarding.
~대하여
A2About, concerning, regarding.
대해서
A2Concerning or with regard to; about, regarding.
에 대해
A2About; regarding.
풍요롭다
A2To be abundant, prosperous, or rich.
관철하다
B2To carry through, achieve, or persist in one's will or goal until it is accomplished, despite difficulties.
~에 따라
B1According to, depending on; as stated by or determined by.
에 따라
A2According to; in accordance with.
에 의하면
B1According to; as stated by or reported by.
계좌번호
A2A unique identifier for a bank account.