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B1 noun #2,500 پرکاربردترین 8 دقیقه مطالعه

资金

zijin
تمرین کن مثال‌ها نکات و راهنمایی‌ها 资金 در ۳۰ ثانیه
توضیح 资金 in your Level:
At the A1 level, learners are primarily focused on basic survival vocabulary, such as numbers, food, and simple greetings. The concept of money is usually introduced through the word 钱 (qián). However, even at this early stage, it is beneficial to be aware of the word 资金 (zījīn). While an A1 learner might not use 资金 in their own daily conversations, they might see it on signs at banks or hear it in the background on Chinese television news. The most important takeaway for an A1 learner is simply to recognize that 资金 is a formal word for 'money' or 'funds,' and that it is not used when buying an apple or a train ticket. Understanding that Chinese has different words for everyday money and formal business money is a great first step in building a robust vocabulary. If an A1 learner encounters this word, they should translate it mentally to 'big money for business' to keep it distinct from 钱.
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As learners progress to the A2 level, they begin to form more complex sentences and discuss broader topics, including work, future plans, and simple news items. At this stage, 资金 (zījīn) becomes a useful passive vocabulary word. An A2 learner might read a simplified news article about a new company opening or a government project being built. In these texts, 资金 will appear to describe the money used for these projects. Learners at this level should start practicing the pronunciation (zī jīn) and recognizing the characters. They can begin to understand simple sentences like '他们没有资金' (They don't have funds) or '这个项目需要资金' (This project needs funds). It is also the right time to learn the measure word 笔 (bǐ), so they can recognize the phrase 一笔资金 (a sum of funds). While they might still default to using 钱 in their own speech, understanding 资金 allows them to comprehend more adult, real-world contexts.
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At the B1 level, 资金 (zījīn) transitions from a passive recognition word to an active part of the learner's vocabulary. B1 learners are expected to discuss topics related to their profession, education, and general current events. Therefore, knowing how to say 'funds' or 'capital' is essential. At this stage, learners must actively practice using 资金 in sentences related to starting a business, applying for a loan, or funding a project. They need to master essential collocations such as 筹集资金 (raise funds), 缺乏资金 (lack funds), and 投入资金 (invest funds). A B1 learner should be able to confidently explain why a project succeeded or failed based on its financial backing, using sentences like '因为缺乏资金，我们停止了那个计划' (Because of a lack of funds, we stopped that plan). They must also strictly enforce the rule of not confusing 资金 with everyday 钱, ensuring their spoken and written Chinese sounds natural and appropriate for professional or academic contexts.
For B2 learners, 资金 (zījīn) is a core component of their advanced business and academic vocabulary. At this level of fluency, learners are reading authentic news articles, watching Chinese documentaries, and participating in detailed discussions about economics, corporate strategy, and societal issues. The usage of 资金 becomes much more nuanced. B2 learners should be comfortable with complex phrases like 资金周转 (cash flow/turnover), 资金链 (capital chain), and 闲置资金 (idle funds). They should be able to debate the merits of different funding sources, such as foreign investment (外资) versus domestic funds. In writing, they should use 资金 to elevate the formality of their essays and reports. Furthermore, a B2 learner must clearly distinguish 资金 from similar terms like 资本 (capital), 资产 (assets), and 经费 (operating expenses), using each correctly in context. Mastery of 资金 at this level demonstrates a strong command of professional Chinese.
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At the C1 level, the learner's grasp of 资金 (zījīn) must be near-native, encompassing not just business contexts but also macroeconomic theory, political discourse, and complex financial instruments. C1 learners are reading financial reports, academic papers, and sophisticated editorials. They will encounter 资金 in highly specialized contexts, such as 资金外逃 (capital flight), 资金密集型产业 (capital-intensive industries), and 货币市场资金面 (money market liquidity). They should be able to articulate complex economic phenomena, such as how central bank policies affect the flow of 资金 in the market. At this stage, the word is often used in idiomatic or highly stylized journalistic phrasing. C1 learners must also be adept at understanding the subtle implications of how 资金 is managed, frozen (冻结), or embezzled (挪用) in legal and corporate narratives. Their active use of the word should be flawless, seamlessly integrating it into high-level debates and professional presentations.
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At the C2 level, the mastery of 资金 (zījīn) is absolute. The learner understands the deep cultural, economic, and historical connotations of the word within the Chinese-speaking world. They can effortlessly navigate dense, technical financial documents, legal contracts, and historical analyses where 资金 plays a central role. C2 learners can appreciate the rhetorical use of 资金 in literature and high-level political speeches. They understand the intricate relationship between 资金, state-owned enterprises, private sectors, and global market dynamics. At this pinnacle of language proficiency, the learner can play with the language, creating novel but grammatically and semantically perfect metaphors involving 资金 flow, liquidity, and economic vitality. They can instantly correct subtle misuses of the word by native and non-native speakers alike, and they possess the vocabulary to discuss the philosophical implications of capital allocation in modern society. The word is fully integrated into their linguistic identity.
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تمرین کن مثال‌ها نکات و راهنمایی‌ها

资金 در ۳۰ ثانیه

  • Meaning: Funds, capital, or financial resources used for a specific purpose.
  • Usage: Primarily used in business, economics, and formal contexts, not for daily shopping.
  • Collocations: Often paired with verbs like 筹集 (raise), 投入 (invest), and 缺乏 (lack).
  • Measure Word: The most common measure word used with 资金 is 一笔 (a sum of).
The Chinese word 资金 (zījīn) is a highly frequent and essential noun in both business and daily contexts, translating primarily to 'funds,' 'capital,' or 'financial resources.' Unlike the general word for money, 钱 (qián), which can refer to the loose change in your pocket or the cost of a simple meal, 资金 implies a more substantial, organized, and purpose-driven pool of money. It is the lifeblood of any project, enterprise, or significant financial undertaking. When you hear 资金, you should immediately think of money that is allocated, invested, or required for a specific operational purpose.
Morphological Breakdown
The word consists of two characters: 资 (zī), meaning 'wealth,' 'resources,' or 'capital,' and 金 (jīn), meaning 'gold' or 'money.' Together, they form a concept that transcends mere currency, representing wealth deployed for productivity.
Understanding this distinction is crucial for intermediate and advanced learners aiming to achieve professional fluency.

这个项目需要大量的资金。

In the context of a business, 资金 refers to the working capital needed to pay employees, purchase inventory, and keep the lights on. Without adequate 资金, even the most brilliant startup idea will fail to launch. Furthermore, 资金 is often categorized by its source or intended use. For instance, 启动资金 (qǐdòng zījīn) refers to startup capital, while 营运资金 (yíngyùn zījīn) means working capital.
Economic Context
In macroeconomics, 资金 flow dictates market health. Governments and central banks constantly monitor the liquidity of 资金 in the market.
When reading Chinese financial news, you will frequently encounter phrases describing the movement of funds.

由于资金短缺，公司不得不裁员。

This sentence highlights a common corporate struggle: a shortage of funds leading to layoffs. The gravity of the word is evident here; it's not just about being 'broke,' but about lacking the foundational resources to operate. Let's delve deeper into the nuances. While 资本 (zīběn - capital) is similar, 资本 often carries a more structural or abstract economic weight (like capitalism - 资本主义), whereas 资金 is highly practical—it's the actual money sitting in the bank account ready to be used.

政府投入了大量资金用于环境保护。

Here, we see 资金 used in a governmental context, indicating public funds allocated for environmental protection.
Personal Finance
Even individuals can use 资金 when referring to significant investments, such as buying a house or starting a personal portfolio.

我的股票账户里还有一些闲置资金。

This means 'I still have some idle funds in my stock account.'

吸引外资其实就是吸引外国资金。

In summary, mastering 资金 elevates your vocabulary from casual conversation to professional discourse, enabling you to discuss economics, business, and significant financial matters with precision and confidence.
Using 资金 correctly involves understanding its collocations—the verbs and adjectives that naturally pair with it. Because 资金 represents a substantial pool of money, the verbs associated with it often relate to gathering, managing, or lacking these resources.
Verbs for Gathering Funds
Common verbs include 筹集 (chóují - to raise), 募集 (mùjí - to raise/collect), and 吸引 (xīyǐn - to attract).
For example, a startup might spend months trying to 筹集资金 (raise funds) from venture capitalists.

我们正在为新项目筹集资金。

Once the funds are acquired, they must be deployed.
Verbs for Using Funds
You will often see 投入 (tóurù - to invest/put in), 拨付 (bōfù - to appropriate/allocate), and 动用 (dòngyòng - to put to use).

公司决定将所有可用资金投入研发。

This shows a strategic decision to invest all available funds into research and development. Conversely, businesses often face financial difficulties. The vocabulary for lacking funds is crucial for reading news or business case studies.
Describing Financial Shortages
Key phrases include 缺乏资金 (quēfá zījīn - to lack funds), 资金短缺 (zījīn duǎnquē - shortage of funds), and the more severe 资金链断裂 (zījīn liàn duànliè - broken capital chain).

那家企业因为资金链断裂而破产了。

A 'broken capital chain' means the company can no longer pay its debts or operational costs, leading directly to bankruptcy. Adjectives also play a big role in describing the state of 资金. If a company is wealthy, it has 雄厚的资金 (xiónghòu de zījīn - abundant/solid funds). If the money is not currently being used, it is 闲置资金 (xiánzhì zījīn - idle funds).

凭借雄厚的资金，他们迅速占领了市场。

Notice how the adjective 雄厚 (abundant/robust) pairs perfectly with 资金 to convey financial power. Another important concept is 资金周转 (zījīn zhōuzhuǎn - cash flow or turnover of funds).

年底了，很多商家的资金周转都有些困难。

This sentence reflects a common end-of-year reality where businesses struggle with cash flow. Understanding these verb and adjective pairings allows you to construct complex, native-sounding sentences about finance, business operations, and economic conditions.
The word 资金 is ubiquitous in environments where money is discussed as a resource rather than a simple medium of exchange.
Business Meetings and Pitch Decks
If you work in a Chinese-speaking corporate environment, 资金 will be a daily vocabulary word. Entrepreneurs use it when pitching to investors.

只要有足够的资金，我们就能实现这个目标。

In boardrooms, executives discuss 资金分配 (fund allocation) and 资金回报率 (return on capital).
News and Media
Financial news broadcasts, economic articles, and stock market analyses rely heavily on this term.
You will hear anchors talking about 资金流入 (capital inflow) and 资金流出 (capital outflow) when discussing the stock market or international trade.

大量海外资金涌入国内房地产市场。

This describes a macroeconomic trend of foreign funds flooding the domestic real estate market.
Banking and Loans
When applying for a business loan or a mortgage, bank clerks and loan officers will assess your 资金状况 (financial status).

银行冻结了他的所有资金。

This is a serious legal or financial situation where a bank freezes all of someone's funds. Furthermore, in the realm of academia and research, scientists and professors constantly apply for 研究资金 (research funding).

这个实验室刚刚获得了一笔巨额资金。

Without this 资金, scientific progress would halt. Even in everyday conversations among friends, if someone is talking about starting a small café or an online store, they will inevitably discuss the 启动资金 (startup capital) required.

我有个好主意，但就是没有资金。

It is a word that bridges the gap between grand macroeconomic policies and the practical realities of personal ambition and entrepreneurship.
A frequent stumbling block for learners is distinguishing 资金 from other money-related terms, leading to awkward or incorrect usage.
Mistake 1: Using 资金 instead of 钱 for small, everyday amounts.
You cannot use 资金 to buy a cup of coffee or pay for a taxi.

❌ 我没有资金买午饭。 (Incorrect)
✅ 我没有钱买午饭。 (Correct)

资金 implies a designated fund for a project, not pocket money.
Mistake 2: Confusing 资金 with 薪水 (salary) or 收入 (income).
While your salary is money, it is not referred to as 资金. 资金 is for operations and investments.

❌ 我的老板这个月还没发资金。 (Incorrect)
✅ 我的老板这个月还没发工资。 (Correct)

Mistake 3: Incorrect Measure Words.
Learners often use 个 (gè) or 块 (kuài) with 资金, which is incorrect.
The standard measure word is 笔 (bǐ), which is used for sums of money or financial transactions.

❌ 我们需要一个资金。 (Incorrect)
✅ 我们需要一笔资金。 (Correct)

Another common error is in the verb pairing. You don't 'make' 资金 (做资金) or 'earn' 资金 (赚资金) in the same way you earn money (赚钱). Instead, you 'raise' (筹集), 'invest' (投入), or 'allocate' (分配) 资金.

❌ 他想赚很多资金。 (Incorrect)
✅ 他想筹集很多资金。 (Correct)

Finally, learners sometimes confuse 资金 with 基金 (jījīn - fund/foundation). While a 基金 (like a mutual fund) manages money, 资金 is the actual money being managed.

这个慈善基金（foundation）缺乏运作资金（funds）。

By avoiding these common pitfalls, your Chinese will sound much more professional and precise.
The Chinese language is rich in financial terminology, and understanding the nuances between 资金 and its synonyms is key to advanced fluency.
资金 (zījīn) vs. 资本 (zīběn)
Both translate to 'capital,' but they are used differently. 资金 is concrete: the actual money available for use. 资本 is more abstract and can include non-monetary assets, human capital, or the economic concept of capital.

年轻是他最大的资本，但他缺乏创业的资金。

This brilliant sentence illustrates the difference perfectly: 'Youth is his greatest capital (asset), but he lacks the funds (money) to start a business.'
资金 (zījīn) vs. 经费 (jīngfèi)
经费 specifically refers to operating expenses or funds allocated for a specific, often institutional, purpose (like research, education, or government administration).

学校的活动经费是由教育局拨付的资金。

Here, 经费 is the specific budget for activities, which comes from the broader pool of 资金 provided by the bureau.
资金 (zījīn) vs. 资产 (zīchǎn)
资产 means 'assets.' It encompasses everything of value a company or person owns, including real estate, equipment, intellectual property, AND 资金.

这家公司的总资产很高，但流动资金很少。

'The company has high total assets, but very little liquid funds.' This shows that while they own a lot of valuable things (assets), they don't have much cash on hand (funds).

我们需要清算资产来获取资金。

Another related word is 款项 (kuǎnxiàng), which refers to a specific sum of money, often an itemized payment or a specific transaction amount, rather than a general pool of operational funds.

这笔款项已经打入你们的账户。

By mastering these distinctions, you can navigate complex financial discussions, read business contracts accurately, and express economic concepts with native-like precision.

چقدر رسمی است؟

سطح دشواری

گرامر لازم

Using measure words for abstract nouns (一笔资金)

Passive voice with 被 (资金被冻结)

Resultative complements (筹集到资金)

Because/Therefore structures (由于缺乏资金，所以...)

Topic-comment structures (资金问题，我们已经解决了)

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مثال‌ها بر اساس سطح

1

这是资金。

This is funds.

Simple noun usage.

2

我们需要资金。

We need funds.

Object of the verb 需要.

3

资金很多。

There are a lot of funds.

Subject with adjective.

4

没有资金。

No funds.

Used with negation 没有.

5

资金在哪里？

Where are the funds?

Question word 哪里.

6

大笔资金。

A large amount of funds.

Adjective modifying noun.

7

他有资金。

He has funds.

Object of the verb 有.

8

资金不足。

Insufficient funds.

Common fixed expression.

1

这个公司没有资金。

This company has no funds.

Subject-verb-object structure.

2

我们需要一笔资金。

We need a sum of funds.

Use of measure word 一笔.

3

他的资金很少。

His funds are very small.

Degree adverb 很 with adjective.

4

买房子需要很多资金。

Buying a house requires a lot of funds.

Verb phrase as subject.

5

资金已经准备好了。

The funds are already prepared.

Use of 已经...了.

6

银行可以提供资金。

The bank can provide funds.

Modal verb 可以.

7

他们找到了新的资金。

They found new funds.

Adjective 新的 modifying noun.

8

因为没有资金，我们不做了。

Because there are no funds, we are not doing it.

Conjunction 因为.

1

为了扩大业务，我们正在筹集资金。

In order to expand the business, we are raising funds.

Collocation 筹集资金.

2

由于资金短缺，这个项目被迫暂停。

Due to a shortage of funds, this project was forced to pause.

Collocation 资金短缺.

3

政府投入了大量资金来改善交通。

The government invested a large amount of funds to improve traffic.

Verb 投入 with 资金.

4

你打算如何管理这笔启动资金？

How do you plan to manage this startup capital?

Compound noun 启动资金.

5

我们的资金周转遇到了一些困难。

Our cash flow has encountered some difficulties.

Concept of 资金周转.

6

这家初创公司成功吸引了海外资金。

This startup successfully attracted overseas funds.

Verb 吸引 with 资金.

7

请确保所有资金都用于研发部门。

Please ensure all funds are used for the R&D department.

Passive concept 用于.

8

如果资金不到位，合同就无法生效。

If the funds are not in place, the contract cannot take effect.

Phrase 资金不到位.

1

一旦资金链断裂，企业将面临破产的风险。

Once the capital chain breaks, the enterprise will face the risk of bankruptcy.

Advanced collocation 资金链断裂.

2

央行采取措施以保证市场资金面的充裕。

The central bank took measures to ensure the abundance of market liquidity.

Financial term 资金面.

3

这笔闲置资金应该被用来进行低风险投资。

These idle funds should be used for low-risk investments.

Concept of 闲置资金.

4

公司凭借雄厚的资金实力，迅速并购了竞争对手。

Relying on its robust financial strength, the company quickly acquired its competitor.

Adjective 雄厚 modifying 资金.

5

严禁任何人以任何理由挪用公用资金。

It is strictly forbidden for anyone to embezzle public funds for any reason.

Legal/formal verb 挪用.

6

投资者密切关注主力资金的流向。

Investors pay close attention to the flow of major institutional funds.

Stock market term 主力资金.

7

该基金旨在为环保科技型企业提供资金支持。

The fund aims to provide financial support for environmental tech enterprises.

Phrase 资金支持.

8

跨境资金流动的监管正在逐步加强。

The supervision of cross-border capital flows is being gradually strengthened.

Concept of 资金流动.

1

在宏观经济下行周期，企业更应注重资金的流动性管理。

In a macroeconomic downturn cycle, enterprises should pay more attention to the liquidity management of funds.

Academic/economic phrasing.

2

资本市场的剧烈波动导致大量避险资金涌入黄金市场。

The violent fluctuations in the capital market caused a massive influx of safe-haven funds into the gold market.

Term 避险资金 (safe-haven funds).

3

该政策的实施有效遏制了国内资金的大规模外逃。

The implementation of this policy effectively curbed the large-scale flight of domestic capital.

Term 资金外逃 (capital flight).

4

作为资金密集型产业，半导体制造对融资渠道的依赖度极高。

As a capital-intensive industry, semiconductor manufacturing has an extremely high reliance on financing channels.

Term 资金密集型 (capital-intensive).

5

地方政府通过发行专项债券来弥补基础设施建设的资金缺口。

Local governments make up for the funding gap in infrastructure construction by issuing special bonds.

Term 资金缺口 (funding gap).

6

虚假繁荣往往掩盖了底层资产质量恶化和资金空转的风险。

False prosperity often masks the risks of deteriorating underlying asset quality and funds circulating idly within the financial system.

Advanced concept 资金空转.

7

信托计划的违约引发了市场对底层资金池透明度的担忧。

The default of the trust plan triggered market concerns about the transparency of the underlying capital pool.

Term 资金池 (capital pool).

8

优化财政资金配置效率是深化经济体制改革的关键一环。

Optimizing the allocation efficiency of fiscal funds is a key link in deepening economic system reform.

Formal policy language.

1

在杠杆率高企的背景下，任何微小的资金面收紧都可能引发系统性金融风险。

Against the backdrop of high leverage ratios, any slight tightening of liquidity could trigger systemic financial risks.

Highly technical financial analysis.

2

该财团通过错综复杂的交叉持股和关联交易，隐蔽地进行资金输送。

Through intricate cross-shareholdings and related-party transactions, the consortium covertly carried out tunneling of funds.

Term 资金输送 (tunneling/funneling of funds).

3

量化宽松政策释放的天量资金，不仅推高了资产价格，也加剧了贫富分化。

The astronomical amount of funds released by quantitative easing policies not only drove up asset prices but also exacerbated the wealth gap.

Macroeconomic critique.

4

历史证明，盲目追逐短期暴利的游资往往是刺破经济泡沫的推手。

History proves that hot money blindly chasing short-term windfall profits is often the catalyst that bursts economic bubbles.

Term 游资 (hot money).

5

构建多层次资本市场体系，旨在引导社会闲散资金精准滴灌实体经济。

Building a multi-tiered capital market system aims to guide idle social funds to precisely irrigate the real economy.

Metaphorical policy language (精准滴灌).

6

面对资金枯竭的绝境，这位企业家依然展现出了破釜沉舟的魄力。

Facing the desperate situation of exhausted funds, this entrepreneur still demonstrated the courage to burn his boats.

Literary/idiomatic usage with 资金枯竭.

7

跨国洗钱网络利用加密货币的匿名性，使得非法资金的追踪变得异常艰难。

Transnational money laundering networks exploit the anonymity of cryptocurrencies, making the tracking of illicit funds exceptionally difficult.

Term 非法资金 (illicit funds).

8

财政赤字货币化实质上是向全社会征收隐形铸币税，以填补政府的资金窟窿。

Monetizing the fiscal deficit is essentially levying an invisible seigniorage on the whole society to fill the government's funding hole.

Advanced economic theory.

متضادها

负债 亏损

ترکیب‌های رایج

缺乏资金
筹集资金
投入资金
资金周转
资金短缺
吸引资金
拨付资金
雄厚资金
冻结资金
挪用资金

عبارات رایج

资金链断裂
资金流
启动资金
营运资金
风险资金
闲置资金
资金雄厚
资金回笼
资金密集型
募集资金

اغلب اشتباه گرفته می‌شود با

资金 vs 资本

资金 vs 经费

资金 vs 资产

اصطلاحات و عبارات

"捉襟见肘"
"财大气粗"
"倾囊而出"
"寅吃卯粮"
"弹尽粮绝"
"融通资金"
"资金匮乏"
"资金充裕"
"专款专用"
"资金外流"

به‌راحتی اشتباه گرفته می‌شود

资金 vs 资本

资金 vs 经费

资金 vs 资产

资金 vs 钱

资金 vs 基金

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نحوه استفاده

nuance

Implies money that is organized, managed, and intended for a specific productive purpose.

formality

Highly formal, suitable for written and professional spoken Chinese.

اشتباهات رایج
  • Using 资金 instead of 钱 for small purchases.
  • Using the measure word 个 instead of 笔.
  • Saying 赚资金 (earn funds) instead of 筹集资金 (raise funds).
  • Confusing 资金 (funds) with 薪水 (salary).
  • Using 资金 when referring to non-monetary assets (which should be 资产).

نکات

Business First

Always default to 资金 when translating 'funds' or 'capital' in a business context. It instantly elevates your professional vocabulary.

Measure Word Mastery

Memorize the phrase 一笔资金 (yī bǐ zījīn). Using the correct measure word 笔 is a quick way to sound like an advanced speaker.

Verb Pairings

Don't use everyday verbs like 找 (find) or 给 (give) with 资金. Use professional verbs like 筹集 (raise), 投入 (invest), and 拨付 (allocate).

Not for Coffee

Never use 资金 to talk about buying small, everyday items. If it's in your physical wallet, it's 钱, not 资金.

News Keyword

When reading Chinese financial news, scan for the word 资金. It is often the subject of sentences describing market movements.

The Capital Chain

Learn the phrase 资金链 (capital chain). It is one of the most common metaphors in Chinese business reporting to describe cash flow health.

Flat Tones

Practice saying zī jīn with two flat, high tones. Imagine a straight line connecting the two syllables.

Formal Writing

In essays or reports, replace 钱 with 资金 when discussing budgets or investments to achieve a higher register.

Capital vs. Funds

Remember that 资本 (capital) is the broader concept, while 资金 (funds) is the actual liquid money you can spend on operations.

Market Trends

In economic podcasts, listen for 资金流入 (funds flowing in) and 资金流出 (funds flowing out) to understand market sentiment.

حفظ کنید

روش یادسپاری

Think of 资 as 'resources' and 金 as 'gold'. Resource-gold is the 'funds' you need to build your empire.

ریشه کلمه

The word combines 资 (zī), originally meaning 'property' or 'wealth' used to support an endeavor, and 金 (jīn), meaning 'gold' or 'metal,' which evolved to mean money. Together, they form the modern concept of financial capital.

بافت فرهنگی

The phrase '资金链断裂' (broken capital chain) is culturally significant, often used as a cautionary tale in business circles about expanding too fast without sufficient cash flow.

In Chinese business culture, having '雄厚的资金' (abundant funds) is a major point of pride and a key factor in establishing trust with partners.

تمرین در زندگی واقعی

موقعیت‌های واقعی

شروع‌کننده‌های مکالمه

"你们公司的启动资金是怎么筹集的？"

"如果有一笔闲置资金，你会怎么投资？"

"你认为现在创业最大的困难是缺乏资金吗？"

"政府应该投入更多资金在教育上吗？"

"如何避免企业资金链断裂？"

موضوعات نگارش

Describe a time when a lack of funds (资金) prevented you from doing something.

If you had unlimited 资金, what kind of business would you start?

Write an opinion piece on whether schools have enough 经费/资金.

Explain the difference between 钱 and 资金 in your own words.

Summarize a recent news article that discusses 资金 flow.

سوالات متداول

10 سوال

Generally, no. Personal savings are usually called 存款 (cúnkuǎn) or 积蓄 (jīxù). However, if you are talking about using your savings as investment capital for a business or stock market, you can refer to it as 资金. It depends on the purpose of the money. If it's just sitting in the bank for a rainy day, it's 存款. If it's ready to be deployed for profit, it's 资金.

资金 (funds) is the actual liquid money available for use. 资本 (capital) is a broader economic term. 资本 can include 资金, but it also includes machinery, real estate, and even human capital (人力资本). 资金 is concrete cash; 资本 is wealth used to create more wealth.

The most common and correct measure word is 笔 (bǐ). You say 一笔资金 (a sum of funds). Do not use 个 (gè) or 块 (kuài). Using 笔 shows that you understand it is a distinct, significant amount of money allocated for a purpose.

The most common and professional way to say 'raise funds' is 筹集资金 (chóují zījīn). Another formal option is 募集资金 (mùjí zījīn). If you are specifically talking about financing a business through investors, you can also use the verb 融资 (róngzī).

No, while it is very common in business, it is also used in government (财政资金 - fiscal funds), academia (研究资金 - research funds), and charity (救灾资金 - disaster relief funds). Any situation requiring a managed pool of money for a project uses 资金.

资金链 (zījīn liàn) literally means 'capital chain.' It refers to the continuous flow of cash in and out of a business that keeps it running. If a company cannot pay its suppliers or employees because cash is tied up, they suffer a 资金链断裂 (broken capital chain), which often leads to bankruptcy.

No, that sounds unnatural. You earn money (赚钱 - zhuàn qián). You raise, gather, or attract funds (筹集资金, 吸引资金). 资金 is treated as a resource to be acquired and managed, not a wage to be earned.

You can say the company has 雄厚的资金 (xiónghòu de zījīn), which means 'abundant/solid funds.' You can also say 资金充裕 (zījīn chōngyù), meaning 'ample funds.' Avoid saying 公司有很多钱 in formal contexts, as it sounds too colloquial.

If a company lacks funds, you can use the phrase 资金短缺 (zījīn duǎnquē) or 缺乏资金 (quēfá zījīn). If the situation is very severe, you might say 资金枯竭 (zījīn kūjié), meaning the funds are exhausted or dried up.

Both characters are pronounced with the first tone (high and flat). It is zī jīn. Make sure not to drop the tone on the second character. Keeping both tones high and steady will make your pronunciation sound native and clear.

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