A 存折 (cúnzhé) is a passbook, which is a small booklet used to record bank transactions. You might use it to keep track of your savings or checking account balance, especially in some older banking systems or for specific types of accounts in China.
It's like a physical record of all your deposits, withdrawals, and interest earned. While many people use mobile banking now, some still prefer a passbook for its tangible record.
§ Don't Confuse 存折 with 银行卡 (yínhángkǎ)
Many English speakers learning Chinese often use 银行卡 (yínhángkǎ) for 'bank card' interchangeably with 存折 (cúnzhé). While both are banking tools, they're distinct. A 银行卡 is a debit or credit card, often plastic, that you use at ATMs or for point-of-sale transactions. A 存折 is a physical booklet that records your transactions, much like an old-fashioned passbook.
- DEFINITION
- 银行卡 (yínhángkǎ): Bank card (debit or credit card).
我用银行卡取钱。(Wǒ yòng yínhángkǎ qǔqián.) I use my bank card to withdraw money.
§ Incorrectly Using 存折 for Digital Bank Statements
In the digital age, many people rely on online banking and digital statements. It's a mistake to use 存折 to refer to a digital bank statement or online account history. 存折 specifically denotes the physical booklet. For online statements, you'd typically use phrases like 银行账单 (yínháng zhàngdān) for a bank statement or 网上银行记录 (wǎngshàng yínháng jìlù) for online banking records.
- DEFINITION
- 银行账单 (yínháng zhàngdān): Bank statement.
我需要一份银行账单来申请签证。(Wǒ xūyào yī fèn yínháng zhàngdān lái shēnqǐng qiānzhèng.) I need a bank statement to apply for a visa.
§ Misunderstanding the Usage of 存折 in Modern China
While 存折 is still used, especially by older generations or for certain types of accounts, its prevalence has decreased with the rise of bank cards and mobile payments. Assuming everyone uses a 存折 for daily banking can lead to misunderstandings. It's more common to hear people talk about their 银行卡 or using mobile payment apps like WeChat Pay (微信支付, Wēixìn Zhīfù) or Alipay (支付宝, Zhīfùbǎo).
- Many younger people might not even have a 存折.
- For quick, everyday transactions, bank cards or mobile payments are the norm.
- 存折 are still common for fixed deposits or certain pension accounts.
他用微信支付买菜。(Tā yòng Wēixìn Zhīfù mǎi cài.) He uses WeChat Pay to buy groceries.
§ Using 存折 When You Mean 'Bank Account' Generally
Sometimes learners might use 存折 when they mean 'bank account' in a general sense. While a 存折 is linked to a bank account, it's not the account itself. The correct term for a bank account is 银行账户 (yínháng zhànghù).
- DEFINITION
- 银行账户 (yínháng zhànghù): Bank account.
我的银行账户里有很多钱。(Wǒ de yínháng zhànghù lǐ yǒu hěnduō qián.) I have a lot of money in my bank account.
How Formal Is It?
"请出示您的银行存折以便办理业务。(Please present your bank passbook to process the transaction.)"
"我的存折里还有多少钱？(How much money do I still have in my passbook?)"
"我把我的小本本忘在家里了。(I forgot my little booklet at home.)"
"妈妈，我的小账本里什么时候才能存满钱呀？(Mom, when can my little account book be full of money?)"
"这存折就是我的小金库，平时都不敢动。(This passbook is my little treasure chest; I usually don't dare touch it.)"
Dato curioso
The character 折 can also mean 'discount' or 'to break', but in this context, its original meaning of 'a folded document' or 'booklet' is more relevant. Think of old-fashioned ledgers or folded paper records.
Gramática que debes saber
Measuring words for books, including passbooks, typically use 本 (běn).
他有一本存折。 (Tā yǒu yī běn cúnzhé.) - He has a passbook.
To express possessing a passbook, use 有 (yǒu).
我需要存折才能取钱。 (Wǒ xūyào cúnzhé cáng néng qǔqián.) - I need a passbook to withdraw money.
When discussing activities related to a passbook, such as opening or updating, you can use 办理 (bànlǐ) meaning to handle/process.
我明天要去银行办理存折。 (Wǒ míngtiān yào qù yínháng bànlǐ cúnzhé.) - I'm going to the bank tomorrow to get a passbook (process the passbook).
To specify the type of passbook, place the descriptor before 存折. For example, 银行存折 (yínháng cúnzhé) for bank passbook.
这是一本银行存折。 (Zhè shì yī běn yínháng cúnzhé.) - This is a bank passbook.
When indicating something is recorded in the passbook, you can use 记录 (jìlù) meaning to record.
存折上记录了我的所有交易。 (Cúnzhé shàng jìlù le wǒ de suǒyǒu jiāoyì.) - All my transactions are recorded in the passbook.
Ejemplos por nivel
我的存折找不到了，请问可以补办吗？
I can't find my passbook, can I apply for a replacement?
银行柜员让我出示存折和身份证才能办理业务。
The bank teller asked me to show my passbook and ID card before processing the transaction.
这张存折是二十年前办的，现在还能用吗？
This passbook was opened twenty years ago, can I still use it now?
我需要去银行更新我的存折记录。
I need to go to the bank to update my passbook records.
有些老年人还是习惯用存折存钱，而不是银行卡。
Some elderly people still prefer to save money with a passbook rather than a bank card.
请把这张钱存到我的存折里。
Please deposit this money into my passbook account.
我每月都会把工资的一部分转到存折上。
Every month, I transfer a portion of my salary to my passbook.
他仔细核对存折上的每一笔交易记录。
He carefully checked every transaction record in the passbook.
Consejos
What's a passbook?
A passbook is a small booklet where bank transactions are recorded. Think of it like a physical record of your bank account activity.
Why use '存折'?
'存折' (cúnzhé) directly translates to 'deposit booklet' or 'savings booklet'. This helps you remember its purpose: for keeping track of your deposits and withdrawals.
Modern vs. Traditional
While many banks now offer online banking and debit cards, passbooks are still common in China, especially for older generations or for specific types of accounts.
Phrase with '存折'
You might hear: 去银行取钱，记得带上你的存折。 (Qù yínháng qǔ qián, jìdé dài shàng nǐ de cúnzhé.) -> Go to the bank to withdraw money, remember to bring your passbook.
Another phrase
我的存折找不到了。 (Wǒ de cúnzhé zhǎo bù dào le.) -> I can't find my passbook.
What '存' means
The character '存' (cún) means to save, to store, or to deposit. This is a very useful character to know for banking vocabulary.
What '折' means
The character '折' (zhé) here means a booklet or a foldable item. It's often used for things that are folded or have pages, like a passbook.
Cultural Relevance
In some rural areas or for specific types of government benefits, a passbook might be the primary way people manage their money. It's a key item for many people's financial lives.
Related vocabulary: '银行卡'
While '存折' is a passbook, '银行卡' (yínhángkǎ) means bank card (debit or credit card). They serve similar purposes but are different formats.
Don't confuse with '账本'
Don't confuse '存折' (cúnzhé), which is an official bank document, with '账本' (zhàngběn), which is a general ledger or account book for personal record-keeping.
Origen de la palabra
Compound of 存 (cún, "to save/deposit") and 折 (zhé, "to fold/a booklet").
Significado original: A booklet for saving/depositing money.
Sino-Tibetan, Sinitic, Chinese.Contexto cultural
In China, while digital banking is very popular, the 存折 (cúnzhé) or passbook still holds cultural significance, especially for older generations. It's often used for recording deposits, withdrawals, and interest, and can be seen as a tangible representation of one's savings. Many elderly people prefer using a passbook over a bank card for its clear, written record of transactions and as a way to easily check their balance without needing an ATM or online banking.
Ponte a prueba 30 preguntas
Imagine you're going to open a bank account in China. Write a short sentence saying you need a passbook.
Well written! Good try! Check the sample answer below.
Sample answer
我需要一个存折。(Wǒ xūyào yīgè cúnzhé.)
You are at the bank. Write a short sentence asking where you can get a passbook.
Well written! Good try! Check the sample answer below.
Sample answer
请问，在哪里可以办存折？(Qǐngwèn, zài nǎlǐ kěyǐ bàn cúnzhé?)
Write a sentence saying you have a passbook.
Well written! Good try! Check the sample answer below.
Sample answer
我有一个存折。(Wǒ yǒu yīgè cúnzhé.)
What does the speaker want to do?
Read this passage:
这是我的存折。里面有很多钱。我想取钱。 (Zhè shì wǒ de cúnzhé. Lǐmiàn yǒu hěnduō qián. Wǒ xiǎng qǔ qián.)
What does the speaker want to do?
The last sentence '我想取钱' means 'I want to withdraw money.'
The last sentence '我想取钱' means 'I want to withdraw money.'
What did he do at the bank?
Read this passage:
他去银行办了一个存折。他很高兴。 (Tā qù yínháng bànle yīgè cúnzhé. Tā hěn gāoxìng.)
What did he do at the bank?
'办了一个存折' means he processed or opened a passbook account.
'办了一个存折' means he processed or opened a passbook account.
What is the speaker asking?
Read this passage:
这个存折是我的。请不要拿走。 (Zhège cúnzhé shì wǒ de. Qǐng bùyào názǒu.)
What is the speaker asking?
'请不要拿走' means 'Please do not take it away.'
'请不要拿走' means 'Please do not take it away.'
The speaker lost something and needs to go to the bank.
Someone's mom asked them to deposit money.
The speaker is asking about using an old banking item.
Read this aloud:
银行存折。
Focus: cún zhé
Dijiste:
Speech recognition is not supported in your browser. Try Chrome or Edge.
Read this aloud:
我需要一个存折。
Focus: wǒ xū yào yí ge cún zhé
Dijiste:
Speech recognition is not supported in your browser. Try Chrome or Edge.
Read this aloud:
请问，我的存折在哪里？
Focus: qǐng wèn, wǒ de cún zhé zài nǎ lǐ
Dijiste:
Speech recognition is not supported in your browser. Try Chrome or Edge.
This sentence means 'My passbook is missing.' The correct order is '我的' (my) + '存折' (passbook) + '不见了' (is missing).
This sentence means 'Do I need to bring the passbook?' The correct order is '需要' (need) + '带' (bring) + '存折' (passbook) + '吗' (question particle).
This sentence means 'Please give me your passbook.' The correct order is '请' (please) + '给我' (give me) + '你的' (your) + '存折' (passbook).
Imagine you are helping an elderly relative manage their finances. Write a short paragraph explaining what a 存折 (cúnzhé) is and why it's still useful for them, even with digital banking. Include phrases like '记录交易' (record transactions) and '查账' (check accounts).
Well written! Good try! Check the sample answer below.
Sample answer
奶奶，这个存折就像您银行账户的实体记录本。每次存钱或取钱，银行都会在上面记录交易，所以您可以清楚地知道您的钱都花到哪里了。虽然现在有很多手机银行应用，但是存折对您来说更方便查账，不用担心网络问题，也能更直观地看到每一笔钱的变化。
You are a bank employee explaining to a new customer how to use a 存折 for the first time. Write a short script outlining the steps to deposit money and withdraw money using a 存折. Include terms like '填写单据' (fill out a form) and '出示证件' (show identification).
Well written! Good try! Check the sample answer below.
Sample answer
您好！欢迎使用我们的银行服务。如果您要存款，请先填写存款单据，然后将存折和钱一起交给柜员。如果是取款，您需要填写取款单据，出示您的有效证件和存折，柜员会核对信息后把钱给您。请妥善保管您的存折。
Describe a situation where someone might still prefer using a 存折 over a bank card or mobile banking, especially in rural areas or for certain demographics. Explain the reasons for this preference.
Well written! Good try! Check the sample answer below.
Sample answer
在一些农村地区，或者对于一些不习惯使用智能手机和网上银行的老年人来说，存折仍然是他们首选的理财工具。他们可能觉得存折更加直观，每一笔交易都有纸质记录，这能给他们带来更大的安全感。此外，有些地方的银行网点可能信号不好，使用存折可以避免网络故障带来的不便。
根据这段话，王阿姨使用存折的主要原因是什么？
Read this passage:
王阿姨从年轻时就一直使用存折。她觉得把钱存在银行，然后用存折记录每笔交易，心里特别踏实。每次去银行取钱，她都会仔细核对存折上的数字。她认为虽然现在科技很发达，但是存折这种传统的理财方式让她感觉更安全，也更容易理解。
根据这段话，王阿姨使用存折的主要原因是什么？
文章中明确提到“心里特别踏实”和“感觉更安全，也更容易理解”，表明了王阿姨偏爱存折的原因。
文章中明确提到“心里特别踏实”和“感觉更安全，也更容易理解”，表明了王阿姨偏爱存折的原因。
这段文字主要表达了小李对存折的什么看法？
Read this passage:
小李在整理爷爷的遗物时，发现了一个旧存折。存折上详细记录了爷爷几十年的存款和取款记录，每一页都充满了岁月的痕迹。小李突然意识到，这个存折不仅仅是银行的记录，更是爷爷一生勤俭节约的见证。它承载了家族的历史和记忆。
这段文字主要表达了小李对存折的什么看法？
文章中提到“这个存折不仅仅是银行的记录，更是爷爷一生勤俭节约的见证。它承载了家族的历史和记忆。”，这说明了小李对存折的看法。
文章中提到“这个存折不仅仅是银行的记录，更是爷爷一生勤俭节约的见证。它承载了家族的历史和记忆。”，这说明了小李对存折的看法。
根据这段话，尽管存折使用减少，但在哪些情况下它仍然有价值？
Read this passage:
近年来，随着智能手机和移动支付的普及，使用存折的人越来越少。许多银行也开始减少存折业务的推广，转而鼓励客户使用银行卡和手机银行。然而，在一些特定场合，例如办理遗产继承或作为法律凭证时，存折仍然具有其独特的价值和地位。
根据这段话，尽管存折使用减少，但在哪些情况下它仍然有价值？
文章明确指出“在一些特定场合，例如办理遗产继承或作为法律凭证时，存折仍然具有其独特的价值和地位。”
文章明确指出“在一些特定场合，例如办理遗产继承或作为法律凭证时，存折仍然具有其独特的价值和地位。”
她小心翼翼地把母亲留给她的唯一纪念品——一本旧___，珍藏在抽屉深处。
这句话描述了一个人珍藏着一本旧的银行凭证，这里“存折”最符合语境。
在那个年代，很多人的毕生积蓄都记录在薄薄的一本___上。
这句话讲的是毕生积蓄的记录方式，在过去，存折是主要的记录凭证。
为了办理遗产继承手续，他需要找到父亲生前的银行___。
遗产继承手续通常需要银行账户信息，存折是很好的凭证。
尽管现在银行卡和手机银行普及，一些老年人依然习惯使用___进行存取款。
这句话强调了老年人对传统银行方式的偏好，存折是其中之一。
这部老电影里，主角把所有的希望都寄托在那本看似微不足道的___上。
将希望寄托在“存折”上，暗示了经济上的重要性，符合语境。
银行柜员熟练地在客户递上的___上打印着交易记录。
银行柜员在存折上打印交易记录是常见操作。
/ 30 correct
Perfect score!
What's a passbook?
A passbook is a small booklet where bank transactions are recorded. Think of it like a physical record of your bank account activity.
Why use '存折'?
'存折' (cúnzhé) directly translates to 'deposit booklet' or 'savings booklet'. This helps you remember its purpose: for keeping track of your deposits and withdrawals.
Modern vs. Traditional
While many banks now offer online banking and debit cards, passbooks are still common in China, especially for older generations or for specific types of accounts.
Phrase with '存折'
You might hear: 去银行取钱，记得带上你的存折。 (Qù yínháng qǔ qián, jìdé dài shàng nǐ de cúnzhé.) -> Go to the bank to withdraw money, remember to bring your passbook.
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朝九晚五
B2From nine to five; regular working hours.
未免
B2Rather; a bit too; truly (implies something excessive).
废弃
B2To abandon; to discard; to cease to use.
恪守
B2To scrupulously observe; to strictly adhere to.
反常
B2abnormal, unusual
充裕
B2Abundant; ample.
充沛
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门禁卡
B2Access card; entry card.
门禁
B2Access control (system).
配件
B2Fittings; accessories; spare parts.
