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A2 verb خنثی #3,000 پرکاربردترین 2 دقیقه مطالعه

转账

zhuanzhang /tʂwán tʂáŋ/
تمرین کن نکات و راهنمایی‌ها

Overview

The Chinese word '转账' (zhuǎnzhàng) literally translates to 'turn account' or 'transfer account,' and it specifically refers to the act of transferring money between accounts. This can be between different bank accounts belonging to the same person, or between accounts of different individuals or entities. It's a fundamental financial transaction in modern banking and digital payment systems.

In practical usage, '转账' encompasses several scenarios:

  1. 1Bank Transfers: This is the most common and traditional meaning. You might '转账' money from your savings account to your checking account, or send money to a friend's bank account. This can be done online, via mobile banking apps, or in person at a bank branch.
  1. 1Digital Payment Platforms: With the rise of platforms like Alipay (支付宝) and WeChat Pay (微信支付) in China, '转账' is frequently used to describe sending money to contacts within these apps. This is often done by scanning a QR code, selecting a contact, or entering a phone number.
  1. 1Interbank Transfers: This refers to transferring money between accounts at different banks. For example, moving money from a Bank of China account to an ICBC account.
  1. 1Intrabank Transfers: This involves transferring money between accounts within the same bank.

Usage Contexts:

  • “我要给你转账。” (Wǒ yào gěi nǐ zhuǎnzhàng.) - “I want to transfer money to you.”
  • “请把钱转到我的账户。” (Qǐng bǎ qián zhuǎn dào wǒ de zhànghù.) - “Please transfer the money to my account.”
  • “网上银行转账很方便。” (Wǎngshàng yínháng zhuǎnzhàng hěn fāngbiàn.) - “Online bank transfers are very convenient.”
  • “你收到我的转账了吗？” (Nǐ shōudào wǒ de zhuǎnzhàng le ma?) - “Did you receive my transfer?”

It's important to note that while '转账' specifically refers to transferring money between accounts, other related terms might be used depending on the nuance. For instance, '汇款' (huìkuǎn) also means to remit or transfer money, often implying a larger or international transfer, but '转账' is more commonly used for everyday account-to-account transfers, especially within digital payment ecosystems.

In summary, '转账' is the go-to term for any action involving moving funds from one financial account to another, whether it's through traditional banking or modern digital payment methods.

مثال‌ها

1

我需要转账给我的朋友。

日常对话

I need to transfer money to my friend.

2

请问，这里可以办理银行转账吗？

银行服务

Excuse me, can I make a bank transfer here?

3

公司每月都会给员工转账工资。

商务交流

The company transfers salaries to employees every month.

4

他通过网上银行完成了转账。

科技/金融

He completed the transfer via online banking.

5

这笔钱已经成功转账到您的账户。

客户服务/通知

This amount has been successfully transferred to your account.

ترکیب‌های رایج

银行转账 (yínháng zhuǎnzhàng - bank transfer)
网上转账 (wǎngshàng zhuǎnzhàng - online transfer)
手机转账 (shǒujī zhuǎnzhàng - mobile transfer)
转账手续费 (zhuǎnzhàng shǒuxùfèi - transfer fee)

اغلب اشتباه گرفته می‌شود با

转账 vs 汇款 (huìkuǎn)

'转账' refers to transferring money between accounts, often within the same bank or through online platforms. It's a more general term for an electronic transfer. '汇款' specifically refers to remitting money, usually implying sending money to a different bank, a different city, or even internationally. While '汇款' is a type of '转账', '转账' encompasses a broader range of transfers.

转账 vs 付款 (fùkuǎn)

'转账' is the act of moving money from one account to another. '付款' means to make a payment for goods or services. While a '付款' can be done via '转账', '转账' itself doesn't necessarily imply a payment for something specific; it could be moving personal funds between your own accounts.

转账 vs 提款 (tíkuǎn)

'转账' is about moving money between accounts electronically. '提款' means to withdraw money, typically from an ATM or bank counter, resulting in physical cash.

الگوهای دستوری

verb + object (money/amount): 我要转账一百元。(Wǒ yào zhuǎnzhàng yī bǎi yuán. - I want to transfer 100 yuan.) verb + 给 (gěi - to/for) + person/account: 我把钱转账给他了。(Wǒ bǎ qián zhuǎnzhàng gěi tā le. - I transferred the money to him.) 从 (cóng - from) + account/bank + 转账 + 到 (dào - to) + account/bank: 我想从我的储蓄账户转账到我的信用卡账户。(Wǒ xiǎng cóng wǒ de chúxù zhànghù zhuǎnzhàng dào wǒ de xìnyòngkǎ zhànghù. - I want to transfer money from my savings account to my credit card account.)

نحوه استفاده

'转账' (zhuǎnzhàng) is a verb-object compound that literally means 'to turn/transfer an account.' It is primarily used to describe the action of moving money from one bank account or digital wallet to another. It can be used formally in a banking context (e.g., '请帮我转账到这个账户,' 'Please help me transfer money to this account') or informally in everyday conversations regarding digital payments (e.g., '我给你转账了,' 'I've transferred money to you'). The recipient of the transfer is often specified with '给' (gěi, to give/to) or simply by placing their name or account information after the verb. While '汇款' (huìkuǎn) also means 'to remit money,' '转账' is more commonly used for immediate, often digital, transfers between individuals or within the same country, whereas '汇款' can imply a more formal, possibly international, or larger sum transfer. When instructing someone to transfer money, you might say '请转账给我' (qǐng zhuǎnzhàng gěi wǒ, 'Please transfer money to me').

اشتباهات رایج

One common mistake is confusing '转账' (zhuǎnzhàng - to transfer money) with '退款' (tuìkuǎn - to refund). While both involve money moving, '转账' is a general transfer between accounts, often initiated by the sender for various purposes (e.g., paying a friend, paying a bill). '退款,' however, is specifically money returned to the payer, usually because of a canceled purchase, a returned item, or an overpayment. Another potential mistake is mispronouncing the tones, especially for '账' (zhàng) which is a falling tone (4th tone). Incorrect tones can sometimes lead to misunderstandings, though in context, it's often clear.

نکات

Usage Tips for 转账 (zhuǎn zhàng)

转账 is a common and versatile verb used when transferring money. It can be used in various contexts, from bank transfers to digital payments. It literally means 'to transfer an account' but is understood as 'to transfer money.'

Common Pitfalls & Nuances

While 转账 generally refers to money transfers, it's good to specify the method if it's not clear from context (e.g., '银行转账' for bank transfer). Also, be aware that in some informal contexts, people might use '打钱' (dǎ qián) which literally means 'to hit money' but informally means 'to send money,' but 转账 is more formal and widely applicable.

Related Phrases & Synonyms

Synonyms or related phrases include '汇款' (huì kuǎn), which is usually for larger or international remittances, and '打款' (dá kuǎn), which is often used for business-related payments. For digital transfers, '扫码支付' (sǎo mǎ zhī fù - scan code payment) or '线上支付' (xiàn shàng zhī fù - online payment) are also relevant.

ریشه کلمه

The Chinese word '转账' (zhuǎnzhàng) is composed of two characters: '转' (zhuǎn) and '账' (zhàng). '转' (zhuǎn) has a rich history and multiple meanings. Its earliest forms can be traced back to oracle bone script and bronze inscriptions, where it depicted a wheel or a rotating object. This visual representation gave rise to its core meaning of 'to turn,' 'to rotate,' or 'to revolve.' Over time, its semantic range expanded to include concepts like 'to shift,' 'to transfer,' 'to change,' or 'to move from one place to another.' In the context of '转账,' '转' specifically conveys the idea of moving or transferring funds. '账' (zhàng) refers to 'account,' 'bill,' or 'ledger.' Its etymology is also ancient, with early forms showing a character that might have represented threads or ropes used for tying up records or bundles of goods, which were then tallied. This evolved to mean a record of financial transactions or a statement of money owed or received. Hence, '账' is intrinsically linked to financial records and accounting. When combined, '转账' literally means 'to turn/transfer an account.' This compound effectively describes the action of moving money from one financial account to another. The concept of transferring money has existed for centuries, evolving from physical exchanges of currency to ledger entries, and now to electronic transfers. The term '转账' has adapted to these technological advancements, remaining the standard term to describe this financial operation in Chinese. In modern usage, '转账' is commonly used in various contexts, from personal bank transfers to corporate financial transactions. It encompasses both domestic and international transfers and is a fundamental term in banking and finance in the Chinese-speaking world. The etymology of '转账' thus reflects a clear and logical combination of two characters that precisely capture the essence of moving money between accounts.

بافت فرهنگی

In Chinese culture, '转账' (zhuǎnzhàng) is a very common and essential financial activity, deeply integrated into daily life. With the widespread adoption of digital payment platforms like Alipay and WeChat Pay, transferring money has become incredibly convenient and frequent. It's used for everything from splitting bills with friends (AA制, AA zhì), sending red envelopes (红包, hóngbāo) during festivals or special occasions, paying for goods and services, to conducting business transactions. The act of transferring money digitally is often accompanied by friendly emojis or short messages, making it a social as well as a financial interaction. Cash is still used, but digital transfers are often preferred for their ease and traceability. There's also a cultural understanding of reciprocating financial gestures, so if someone transfers money to you, there's an unspoken expectation to do the same when appropriate.

راهنمای حفظ

The character '转' (zhuǎn) means 'to turn' or 'to transfer,' and it visually suggests movement. The character '账' (zhàng) refers to 'account' or 'bill,' and it has the radical for 'shell' (贝), which is associated with money and valuables in traditional Chinese characters. So, '转账' literally means 'to turn/transfer accounts/money.'

سوالات متداول

4 سوال

'转账' (zhuǎnzhàng) is a Chinese term that literally translates to 'to transfer accounts.' It is commonly used to refer to the act of transferring money between bank accounts, or from one person to another electronically. This can be done through various methods, including online banking, mobile payment apps, or at an ATM. It's a very common transaction in daily life in China, especially with the widespread use of digital payment platforms like WeChat Pay and Alipay.

Performing a '转账' typically involves a few steps. If you are using online banking or a mobile payment app, you would usually log in, select the transfer option, enter the recipient's bank account details or their linked phone number/ID, specify the amount, and then confirm the transaction, often with a password or biometric authentication. For interbank transfers, you might also need to provide the recipient's bank name. In China, using apps like WeChat Pay or Alipay, you can often scan a QR code or select a contact to transfer money to.

Whether there are fees associated with '转账' depends on the bank, the type of account, and the method of transfer. Many banks offer free transfers between accounts within the same bank. Transfers to accounts at different banks, especially for larger amounts, might incur a small fee. Mobile payment apps in China, like WeChat Pay and Alipay, generally offer free transfers for smaller amounts, but may charge a small fee for withdrawals from the app's balance or for transfers exceeding a certain daily or monthly limit.

To complete a '转账,' you typically need the recipient's name, their bank account number, and often the name of their bank. If you are using a mobile payment app like WeChat Pay or Alipay, you might only need the recipient's linked phone number, their ID associated with the app, or even just their QR code. For international transfers, more detailed information such as the SWIFT code (for international bank transfers) and the recipient's address might also be required.

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