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B1 verb 10 دقیقه مطالعه

担保

dānbǎo
مثال‌ها نکات و راهنمایی‌ها 担保 در ۳۰ ثانیه
توضیح 担保 in your Level:
At the A1 level, you don't really need to use '担保' yet. Instead, you would use '保证' (bǎozhèng) to say 'I promise.' For example, '我保证准时' (I promise to be on time). '担保' is too formal and complex for beginners. It involves legal and financial ideas that you will learn later. If you see it, just think of it as a very serious version of 'to promise' or 'to vouch for someone.' It is like saying, 'I am so sure that I will take the blame if I am wrong.' Most A1 learners will find '担保' in simple sentences about someone's character, but usually, '保证' is enough for your daily needs. Just remember: '保证' is for everyday promises, '担保' is for big responsibilities.
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By A2, you are starting to talk about more formal situations, like working or renting a room. You might hear someone ask, '谁可以为你担保？' (Who can guarantee for you?). This means they want to know who will be responsible for you if you don't pay your rent or if you cause trouble. At this level, you should recognize that '担保' is different from a simple promise. It usually involves a second person. For example, '爸爸为我的贷款担保' (Dad is guaranteeing my loan). You are starting to see how this word is used in business and money contexts. You don't need to use it perfectly, but you should know it's about trust and responsibility.
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At the B1 level, you are expected to use '担保' in appropriate contexts, especially in professional or formal personal situations. You should understand the difference between '担保' (guarantee with liability) and '保证' (general promise). You can use it as a verb: '我担保他是一个诚实的人' (I guarantee he is an honest person). You also see it as a noun: '这笔钱需要一个担保' (This money needs a guarantee). This is the level where you learn that '担保' is essential for things like bank loans, job references, and legal contracts. You should be able to explain why someone might need a '担保人' (guarantor) and use the '为...提供担保' structure in your writing.
At the B2 level, you should be comfortable using '担保' in complex sentences and understanding its legal nuances. You will encounter it in news articles about finance and law. You should know phrases like '担保责任' (guarantee liability) and '连带担保' (joint guarantee). You can distinguish between '担保' and related words like '抵押' (mortgage) or '质押' (pledge). You understand that '担保' is not just about people, but also about assets. For example, '以房产作为担保' (using property as a guarantee). You can use the word to express strong personal conviction in formal debates or serious discussions, such as '我敢向你担保，这个项目一定会成功' (I dare to guarantee to you that this project will definitely succeed).
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At the C1 level, you use '担保' with the precision of a professional. You understand the 'Guaranty Law of the People's Republic of China' (担保法) and the specific types of security it entails. You can discuss the risks of being a '担保人' and the social implications of '担保' in Chinese business culture. You use the word in abstract contexts, such as '制度担保' (institutional guarantee) or '法律担保' (legal guarantee). Your usage includes sophisticated collocations like '撤销担保' (to revoke a guarantee) or '履行担保义务' (to fulfill guarantee obligations). You are sensitive to the register and will never confuse '担保' with '保险' or '确保' in a technical document.
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At the C2 level, you have a native-like grasp of '担保.' You can navigate the most complex legal and financial documents where '担保' is used. You understand the historical evolution of the term and its relation to traditional Chinese concepts of collective liability. You can use '担保' in literary or highly rhetorical ways to emphasize absolute certainty or profound moral commitment. You can also critique the use of '担保' in economic policies and understand the systemic risks associated with cross-guarantees (互保) in the corporate world. Your understanding of the word is not just linguistic, but also deeply integrated with Chinese legal, social, and economic structures.
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مثال‌ها نکات و راهنمایی‌ها

担保 در ۳۰ ثانیه

  • 担保 means to guarantee or vouch for something, usually involving financial or legal liability.
  • It is more formal than 保证 and implies that the guarantor takes on the risk.
  • Commonly used in banking, renting, and business contracts to ensure trust and safety.
  • Can be used as both a verb (to guarantee) and a noun (a guarantee/guarantor).
The Chinese word 担保 (dānbǎo) is a sophisticated verb and noun that bridges the gap between everyday trust and formal legal commitment. At its core, it means to guarantee, to vouch for, or to provide surety for a debt or an action. In the Chinese linguistic landscape, it carries a weight that reflects both modern financial practices and ancient concepts of communal responsibility. When you use 担保, you are not just saying 'I think this will happen'; you are saying 'I will be responsible if this does not happen.' This distinction is crucial for English speakers who might conflate it with the more general 保证 (bǎozhèng), which simply means 'to promise' or 'to ensure.'
Financial Context
In banking and law, 担保 refers to collateral or a third-party guarantee. If a friend asks you to be their 'guarantor' for a loan, they are asking for your 担保.
Interpersonal Trust
In social circles, it implies putting your reputation on the line. To 担保 for someone's character means you are the bridge of trust between them and a third party.
Historically, the character 担 (dān) refers to carrying a heavy load on a shoulder pole, while 保 (bǎo) means to protect or keep safe. Together, they paint a picture of 'carrying the burden of protection.' This imagery is helpful for learners to understand the gravity of the word. You are effectively shouldering the risk for someone else.

我可以用我的名誉担保，他绝对没有撒谎。(I can guarantee with my reputation that he is definitely not lying.)

In modern China, 担保 is a term you will encounter frequently in rental agreements, loan applications, and business contracts. It is a B1 level word because while the concept is universal, the specific grammatical structures and legal nuances require a more advanced grasp of Chinese social and professional etiquette. Culturally, the act of 担保 is deeply tied to the concept of 'Guanxi' (connections) and 'Mianzi' (face). To ask someone to 担保 for you is a significant request, as it implies a high level of mutual trust and shared risk. Conversely, agreeing to 担保 for someone is a powerful gesture of support that can solidify a relationship or, if things go wrong, destroy it.

银行要求他找一个有稳定收入的人做担保。(The bank required him to find someone with a stable income to act as a guarantor.)

Understanding 担保 also requires understanding the 'Guaranty Law' (担保法) in China, which categorizes various forms of security such as mortgages (抵押), pledges (质押), and liens (留置). While a learner doesn't need to be a lawyer, knowing that 担保 sits at the head of this legal family helps in recognizing its formal weight.
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Formal to Semi-Formal. It is used in news, business meetings, and serious personal conversations.
In summary, 担保 is the word of 'skin in the game.' It is the linguistic tool used when trust moves from words to tangible liability.
Using 担保 correctly involves mastering its role as both a verb and a noun. As a verb, it often takes a direct object (the thing being guaranteed) or a clause (the fact being vouched for). As a noun, it refers to the guarantee itself or the person/entity providing it.
Pattern 1: Verb + Clause
[Subject] + 担保 + [Fact]. This is used when you are vouching for the truth of something. '我担保他会准时到' (I guarantee he will arrive on time).
Pattern 2: 为...提供担保
To provide a guarantee for [someone/something]. This is the standard formal way to express acting as a guarantor. '我愿意为他的贷款提供担保' (I am willing to provide a guarantee for his loan).
One common mistake for English speakers is using 担保 as a simple 'ensure.' For example, 'I will ensure the safety of the kids' is better translated with 确保 (quèbǎo) rather than 担保. 担保 implies a secondary liability. If the safety is breached, the person who 担保 is the one who pays the price.

这笔贷款没有担保是不可能获批的。(It is impossible for this loan to be approved without a guarantee.)

Another nuance is the use of 担保人 (dānbǎorén), which specifically means 'the guarantor.' In many Chinese contexts, especially for international students or workers, you might need a 担保人 to sign your visa or apartment lease. In business writing, you will often see 担保 used with 'collateral' words like 抵押品 (dǐyāpǐn). For example, '以房产作为担保' (using property as a guarantee). This shows how the word acts as a bridge between a person's credit and a physical asset.

你凭什么为他担保？(On what basis are you vouching for him?)

When using it in the negative, '不担保' or '无法担保' means 'cannot guarantee' or 'disclaims liability.' This is very common in terms of service and legal disclaimers. '我们不担保该信息的准确性' (We do not guarantee the accuracy of this information).
Collocation: 连带担保
Joint and several guarantee. This is a high-level term where multiple people are responsible for the same debt.
Finally, note that 担保 is often used with the preposition '向' (towards) to indicate the party receiving the guarantee. '向银行提供担保' (to provide a guarantee to the bank). This directional flow is essential for clear communication in professional settings.
You will hear 担保 in a variety of real-world scenarios, ranging from the high-stakes environment of a courtroom to the casual but serious conversation between friends. One of the most common places is the bank. If you are in China and trying to open a business account or take out a loan, the clerk will inevitably ask about your 担保 (guarantee) or 担保人 (guarantor). In the real estate market, 担保 is a constant. When renting an apartment, especially in big cities like Beijing or Shanghai, landlords might ask for a 担保 if the tenant is a student or doesn't have a local household registration (Hukou). In this case, 担保 serves as a safety net for the landlord against unpaid rent.

房东说，如果没有人为你担保，你就得付双倍押金。(The landlord said if no one vouches for you, you'll have to pay double the deposit.)

In the workplace, 担保 appears during the hiring process for certain sensitive positions. A company might ask a current employee to 担保 for a new hire's integrity. This is often called a 'person of reference' in English, but in Chinese, the term 担保 implies a much deeper level of responsibility. If the new hire steals from the company, the person who 担保-ed for them may face consequences, either social or financial.
Legal Dramas
In TV shows like 'The Good Wife' (Chinese versions or similar law dramas), you'll hear '取保候审' (qǔbǎo hòushěn), which means release on bail/guarantee pending trial. The '保' here is the same root as 担保.
On a more personal level, you might hear a friend say, '我敢担保，他绝对会后悔的' (I can guarantee he will definitely regret it). Here, 担保 is used figuratively to express strong conviction. It’s the equivalent of saying 'I bet my life on it' or 'I'm 100% sure.'

别担心，我用人格向你担保，这事儿能成。(Don't worry, I guarantee you on my character that this will work out.)

Lastly, in international trade, 担保 is ubiquitous. Letters of credit and performance bonds are all forms of 担保. If you are dealing with Chinese suppliers on platforms like Alibaba, you will see 'Trade Assurance,' which is translated as 贸易担保. This service protects the buyer if the supplier fails to ship goods or if the goods don't meet quality standards. Thus, 担保 is the invisible thread that holds the fabric of trust together in the Chinese commercial world.
The most frequent mistake learners make with 担保 is confusing it with 保证 (bǎozhèng). While both can be translated as 'guarantee' or 'promise,' their usage is distinct. 保证 is a general promise to do something or that something is true. 担保 specifically involves a third party or a financial/legal liability. For example, if you say '我保证准时' (I promise to be on time), it's a personal commitment. If you say '我担保他准时' (I guarantee he will be on time), you are taking responsibility for his punctuality.
Mistake: Using 担保 for simple promises
Incorrect: 我担保每天做功课。 (I guarantee to do homework every day.) Correct: 我保证每天做功课。 (担保 is too heavy here; it sounds like you are offering collateral for your homework.)
Mistake: Confusing 担保 with 确保 (quèbǎo)
确保 means 'to ensure' or 'to make sure.' Incorrect: 担保安全 (Guarantee safety). Correct: 确保安全 (Ensure safety). 担保 focuses on the liability if safety fails; 确保 focuses on the act of making it safe.
Another common error is the grammatical structure. Learners often forget the preposition 为 (wèi) when providing a guarantee for someone. You don't just '担保 someone'; you '为 someone 担保.'

错误：我担保他。 (I guarantee him.) 正确：我为他担保。(I provide a guarantee for him.)

Furthermore, learners sometimes use 担保 when they mean 'insurance' (保险 - bǎoxiǎn). Insurance is a paid service from a company; 担保 is a legal or personal commitment. If you are talking about your health or car coverage, always use 保险. If you are talking about a bank requiring a co-signer, use 担保. Finally, be careful with the word order in formal phrases. '担保责任' (guarantee liability) is a fixed term. Reversing it or adding extra particles can make it sound unnatural in a legal context. Understanding these subtle differences will help you sound more like a native speaker and avoid potentially awkward or legally confusing situations.
To truly master 担保, you must see where it fits in the family of words related to certainty and commitment.
保证 (bǎozhèng) vs. 担保
保证 is a general 'promise' or 'ensure.' It is used for behaviors and facts. 担保 is specific to liability and third-party vouching. Use 保证 for 'I promise to love you'; use 担保 for 'I will pay your debt if you can't.'
确保 (quèbǎo) vs. 担保
确保 focuses on the outcome ('ensure success'). 担保 focuses on the responsibility if the outcome isn't reached.
抵押 (dǐyā) vs. 担保
抵押 is specifically 'to mortgage' or 'to use as collateral.' It involves a physical asset. 担保 is the broader category that includes 抵押, but can also be just a signature (personal guarantee).
Other alternatives include:
  • 保付 (bǎofù): Specifically used for 'guaranteed payment' in banking (e.g., a certified check).
  • 背书 (bèishū): Literally 'to endorse' (like a check), but often used metaphorically in business to mean 'to give one's support/endorsement' to a project.
  • 承诺 (chéngnuò): A formal 'commitment' or 'undertaking.' It is softer than 担保 and doesn't necessarily imply financial liability.

虽然他给出了承诺，但银行还是要求法律担保。(Although he gave a commitment, the bank still required a legal guarantee.)

In legal documents, you might also see 质押 (zhìyā), which is a 'pledge' of movable property (like gold or stocks), whereas 抵押 is usually for immovable property (like a house). 担保 acts as the umbrella term for all these methods of securing a transaction. Knowing when to use the broad term (担保) versus the specific term (抵押/质押) will make your Chinese sound professional and precise.

چقدر رسمی است؟

نکته جالب

The character '保' in 担保 is the same one used in 'Bodyguard' (保镖) and 'Insurance' (保险), showing a long history of words related to safety and security.

راهنمای تلفظ

UK /dæn.baʊ/
US /dæn.baʊ/
The emphasis is balanced, but the 3rd tone on 'bǎo' often makes it sound slightly longer in duration.
هم‌قافیه با
三保 (sānbǎo) 蓝宝 (lánbǎo) 看报 (kànbào) 全保 (quánbǎo) 汉堡 (hànbǎo) 环保 (huánbǎo) 官报 (guānbào) 探讨 (tàntǎo)
خطاهای رایج
  • Pronouncing 'dan' in the 4th tone (dàn), which means 'egg' or 'but'.
  • Merging the two syllables into a flat tone.
  • Confusing 'bao' with 'pao' (aspirated vs unaspirated).

سطح دشواری

خواندن 3/5

Recognizable characters, but context is key to understanding the specific type of guarantee.

نوشتن 4/5

Characters '担' and '保' are common, but using them in formal legal structures is tricky.

صحبت کردن 3/5

Easy to pronounce, but must distinguish from '保证' to sound natural.

گوش دادن 3/5

Common in news and business, easy to pick out.

بعداً چه یاد بگیریم؟

پیش‌نیازها

保证 保护 负担 信誉 贷款

بعداً یاد بگیرید

抵押 质押 违约 连带责任 清偿

پیشرفته

物权法 债权人 破产保护 资不抵债 资产证券化

گرامر لازم

Using '为' (wèi) to indicate the beneficiary of the guarantee.

我为他担保。

Using '以...作为' to indicate the collateral.

以房产作为担保。

Resultative complements with 担保 (rare but possible).

这事儿得担保好。

Negative form '不担保' for disclaimers.

我们不担保结果。

Noun usage with '个' or '项'.

这是一项重要的担保。

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مثال‌ها بر اساس سطح

1

我保证不迟到。

I promise not to be late.

A1 uses '保证' instead of '担保' for simple promises.

2

他是一个好人，我保证。

He is a good person, I promise.

Simple character reference.

3

妈妈，我保证做作业。

Mom, I promise to do my homework.

Daily life promise.

4

我保证明天给你钱。

I promise to give you money tomorrow.

Simple financial promise.

5

老师，我保证听话。

Teacher, I promise to be obedient.

Standard promise pattern.

6

我保证这个很好吃。

I guarantee this is delicious.

Expressing certainty.

7

他保证会来参加我的生日。

He promised he would come to my birthday.

Third person promise.

8

我向你保证，没问题。

I promise you, no problem.

Common reassurance.

1

租房子需要有人担保吗？

Do I need someone to guarantee for me to rent a house?

Introducing '担保' in a rental context.

2

我为你担保，你别担心。

I will vouch for you, don't worry.

Using '为...担保'.

3

银行要看你的担保人。

The bank wants to see your guarantor.

Using '担保人' as a noun.

4

他用他的车做担保。

He used his car as a guarantee.

Using an object as a guarantee.

5

如果没有担保，我不能借钱给你。

If there is no guarantee, I can't lend you money.

Conditional usage of '担保'.

6

谁可以为你的话担保？

Who can vouch for what you said?

Vouching for words.

7

这个工作需要一个担保人。

This job requires a guarantor.

Professional requirement.

8

我不能为你担保，因为我不了解你。

I can't vouch for you because I don't know you.

Negative usage.

1

我可以用我的名誉担保，他没有偷钱。

I can guarantee with my reputation that he didn't steal money.

Using reputation as collateral.

2

银行要求他找一个有房产的人做担保。

The bank required him to find someone with property to act as a guarantor.

Formal requirement for loans.

3

如果你不能还钱，你的担保人就要负责。

If you can't pay back the money, your guarantor will be responsible.

Explaining the consequence of '担保'.

4

这笔贷款没有任何担保，风险很大。

This loan doesn't have any guarantee; the risk is very high.

Describing a financial situation.

5

我愿意为这笔生意提供担保。

I am willing to provide a guarantee for this business deal.

Formal offer of guarantee.

6

你凭什么担保他一定会成功？

On what basis do you guarantee he will definitely succeed?

Questioning a guarantee.

7

法律规定，担保人必须年满十八岁。

The law stipulates that a guarantor must be at least 18 years old.

Legal rule regarding '担保人'.

8

这份合同里有一项担保条款。

There is a guarantee clause in this contract.

Contractual terminology.

1

以不动产作为担保是银行最常见的做法。

Using real estate as a guarantee is the most common practice for banks.

Using '以...作为担保'.

2

他因为替朋友担保，结果背负了巨额债务。

Because he guaranteed for a friend, he ended up with huge debts.

The danger of '担保'.

3

公司为这笔债券提供了全额担保。

The company provided a full guarantee for these bonds.

Corporate finance context.

4

我们无法担保所有第三方链接的安全性。

We cannot guarantee the security of all third-party links.

Digital disclaimer.

5

在没有足够担保的情况下，我们不能批准这笔资金。

In the absence of sufficient guarantee, we cannot approve this funding.

Formal refusal based on lack of '担保'.

6

他签了一份连带责任担保书。

He signed a joint and several liability guarantee.

High-level legal term '连带责任'.

7

这种信用担保模式在中小企业中很流行。

This credit guarantee model is very popular among small and medium enterprises.

Economic discussion.

8

担保物权的设立必须符合法律程序。

The establishment of security interests must comply with legal procedures.

Precise legal terminology '担保物权'.

1

该协议旨在通过法律手段担保债权人的利益。

The agreement aims to guarantee the interests of creditors through legal means.

Formal legal purpose.

2

过度担保可能导致企业的资金链断裂。

Excessive guarantees may lead to a break in a company's capital chain.

Financial risk analysis.

3

政府为该民生项目提供了信用担保。

The government provided a credit guarantee for this livelihood project.

Public policy context.

4

担保合同是主合同的从合同，具有从属性。

A guarantee contract is an accessory contract to the principal contract and is subordinate in nature.

Legal theory of contracts.

5

法院判决担保人承担补充清偿责任。

The court ruled that the guarantor bears supplementary clearing liability.

Specific legal liability type.

6

这种跨国担保涉及复杂的法律管辖权问题。

This cross-border guarantee involves complex issues of legal jurisdiction.

International business context.

7

有效的担保机制是市场经济稳定运行的基石。

An effective guarantee mechanism is the cornerstone of the stable operation of a market economy.

Abstract economic concept.

8

他试图通过伪造担保文件来获取非法贷款。

He attempted to obtain illegal loans by forging guarantee documents.

Criminal context.

1

在金融危机期间，主权担保成为了防止市场崩溃的最后防线。

During the financial crisis, sovereign guarantees became the last line of defense against market collapse.

Macroeconomic strategy terminology.

2

担保法律制度的完善程度反映了一个国家的法治水平。

The degree of perfection of the legal system for guarantees reflects a country's level of rule of law.

Sociopolitical commentary.

3

该项资产的证券化过程中，信用增级主要依赖于第三方担保。

In the process of securitizing the asset, credit enhancement primarily relies on third-party guarantees.

Technical financial engineering.

4

我们需要审慎评估担保链条中潜藏的系统性风险。

We need to carefully assess the systemic risks hidden in the guarantee chain.

Risk management discourse.

5

担保合同的效力并不因主合同的无效而必然无效，除非法律另有规定。

The validity of a guarantee contract is not necessarily voided by the invalidity of the principal contract, unless otherwise provided by law.

Advanced legal logic.

6

这种互惠担保协议在关联公司之间构建了一张复杂的利益网。

This reciprocal guarantee agreement constructs a complex web of interests among affiliated companies.

Corporate governance analysis.

7

通过建立多层次的融资担保体系，政府旨在缓解小微企业融资难的问题。

By establishing a multi-level financing guarantee system, the government aims to alleviate the financing difficulties of small and micro enterprises.

Policy implementation description.

8

法律学者对担保物权的物权化趋势进行了深入的探讨。

Legal scholars have conducted in-depth discussions on the trend of the 'propertization' of security interests.

Academic legal discourse.

مترادف‌ها

保证 承诺 保险 背书

متضادها

怀疑 抵赖

ترکیب‌های رایج

提供担保
担保责任
信用担保
连带担保
房产担保
第三方担保
风险担保
人格担保
担保公司
解除担保

عبارات رایج

担保人

— A person who gives a guarantee; a guarantor.

你需要找一位担保人签字。

担保金

— Guarantee money; a security deposit.

入学前需要缴纳担保金。

担保书

— A written guarantee; a letter of comfort.

请提交一份正式的担保书。

担保物

— Collateral; something given as security.

担保物必须具有市场价值。

反担保

— Counter-guarantee; a guarantee provided back to the original guarantor.

他要求对方提供反担保。

贸易担保

— Trade assurance; guarantee in commercial trading.

阿里巴巴提供贸易担保服务。

融资担保

— Financing guarantee; help for small companies to get loans.

融资担保体系正在不断完善。

出口担保

— Export guarantee; insurance for export risks.

国家提供出口担保以支持外贸。

司法担保

— Judicial guarantee; bail or security in legal cases.

他在司法担保下被释放了。

无限担保

— Unlimited guarantee; full liability for a debt.

这是一份风险巨大的无限担保。

اصطلاحات و عبارات

"拍胸脯担保"

— To beat one's chest as a guarantee; to promise very confidently.

他拍胸脯担保，这事儿肯定能成。

Informal
"信誉担保"

— To guarantee using one's credit or reputation.

我们用百年的信誉担保产品质量。

Formal
"空头担保"

— An empty guarantee; a promise that cannot be fulfilled.

别信他的空头担保，他根本没钱。

Informal
"连带责任"

— Joint and several liability; often associated with 担保.

作为担保人，你负有连带责任。

Legal
"保家卫国"

— To protect the family and defend the country (shares the '保' root).

战士们的职责是保家卫国。

Literary
"保驾护航"

— To provide an escort and protect the journey (often used for government supporting business).

政府为民营企业保驾护航。

Formal
"万无一失"

— Not a single slip; perfectly safe (often the goal of a 担保).

有了这份担保，交易就万无一失了。

Neutral
"胸有成竹"

— To have a well-thought-out plan (why someone might dare to 担保).

他胸有成竹地担保项目会成功。

Literary
"言而有信"

— To be as good as one's word (the moral basis of 担保).

做人要言而有信，说了担保就要负责。

Literary
"一诺千金"

— A promise worth a thousand bars of gold.

他的担保是一诺千金，绝对可靠。

Literary

الگوهای جمله‌سازی

A2

谁可以为你担保？

谁可以为你担保？

B1

我为他的[Noun]担保。

我为他的诚实担保。

B1

[Subject]担保[Clause]。

我担保他不会迟到。

B2

以[Object]作为担保。

以汽车作为担保。

B2

提供[Type]担保。

提供信用担保。

C1

负有...担保责任。

他负有连带担保责任。

C1

解除...担保。

法院解除了他的担保责任。

C2

构建...担保体系。

构建多层次融资担保体系。

خانواده کلمه

اسم‌ها

担保人 (Guarantor)
担保物 (Collateral)
担保金 (Security deposit)
担保书 (Letter of guarantee)

فعل‌ها

担保 (To guarantee)
承保 (To underwrite)
保证 (To promise)
确保 (To ensure)

صفت‌ها

有担保的 (Guaranteed/Secured)
无担保的 (Unsecured)

مرتبط

保险
信誉
抵押
风险
债务
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نحوه استفاده

frequency

Common in professional, financial, and serious personal contexts.

حفظ کنید

روش یادسپاری

Think of 'Dan' as a 'Dam' that holds back the 'Bao' (Danger). A 担保 is like a dam protecting a transaction from flooding with risk.

تداعی تصویری

Imagine a person carrying a heavy box (担) marked 'DEBT' while holding a shield (保) over a friend.

شبکه واژگان

Bank Loan Trust Signature Risk Collateral Friend Law

چالش

Try to find a rental agreement or a bank form in Chinese and look for the word 担保. Identify if it's used as a noun or a verb.

ریشه کلمه

Composed of two characters: 担 (dān) and 保 (bǎo). 担 originally depicted a person carrying a load with a shoulder pole. 保 originally showed a person protecting a child.

معنای اصلی: To carry the responsibility of protection.

Sino-Tibetan (Sinitic).

بافت فرهنگی

Be careful when asking a Chinese friend to '担保' for you. It is a very heavy request that puts their finances and reputation at risk.

In the West, 'guaranteeing' a loan is often seen as a purely financial decision. in China, it's often a moral obligation to family.

The Merchant of Venice (Shylock's bond is a form of 担保). Chinese TV drama 'The Ideal City' (discusses corporate guarantees). Modern Chinese legal cases involving 担保人 liability.

تمرین در زندگی واقعی

موقعیت‌های واقعی

Banking

  • 申请贷款
  • 担保人签字
  • 抵押物评估
  • 信用额度

Real Estate

  • 租房合同
  • 押金
  • 第三方担保
  • 违约金

Employment

  • 入职担保
  • 推荐信
  • 背景调查
  • 诚信协议

Legal Matters

  • 取保候审
  • 担保条款
  • 法律效力
  • 连带责任

Daily Life

  • 我担保
  • 没问题
  • 说实话
  • 相信我

شروع‌کننده‌های مکالمه

"如果我想在银行贷款，通常需要什么样的担保？"

"你曾经为朋友做过担保吗？你觉得风险大吗？"

"在你的国家，租房子通常需要担保人吗？"

"为什么有些公司在招聘时要求员工提供担保？"

"你觉得‘人格担保’在现代社会还有用吗？"

موضوعات نگارش

写一段关于你对‘信任’和‘担保’之间关系的看法。

描述一次你不得不向别人寻求担保的经历。

如果你是一家银行的经理，你会要求什么样的担保物？为什么？

讨论一下在中国社会中，为亲戚做担保的社会压力。

虚构一个故事，讲述一个人因为替人担保而陷入困境的过程。

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محتوای مرتبط

این کلمه در زبان‌های دیگر

担保 ژاپنی
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