融資する

§ Basic Usage of 融資する

The verb 融資する (yūshi suru) literally means 'to finance' or 'to loan money'. It's a common term in business and finance, but you'll also hear it in more general contexts when talking about providing funds for projects or individuals.

Verb Type

It's a suru-verb (する動詞), which means you can use 融資 as a noun and add する to make it a verb. This is a very common pattern in Japanese for creating verbs from Chinese-derived nouns.

You'll often see 融資する used with particles like に (ni) to indicate the recipient of the loan, or を (o) to indicate the thing being financed. Let's look at some examples.

§ Who gets the loan? Using に (ni)

When you want to specify who or what is receiving the financing, you use the particle に (ni) after the recipient.

Hint: The bank (銀行) financed (融資した) the company (会社) for a new project (新しいプロジェクトのために).

Hint: He (彼) applied for (申し込んだ) a loan (融資) from the bank (銀行) to buy a house (家を買うために).

§ What is being financed? Using を (o)

While に marks the recipient, を (o) can sometimes be used to mark the *thing* that is being financed, especially when the focus is on the object of the financing rather than the recipient.

Hint: The government (政府) plans to finance (融資する予定だ) new equipment investment (新しい設備投資) for small and medium-sized businesses (中小企業).

§ Common Phrases and Patterns with 融資

Here are some useful phrases and patterns involving 融資する:

• 融資を受ける (yūshi o ukeru): to receive a loan/financing

  This is the passive counterpart to 融資する. If someone 融資する, someone else 融資を受ける.

  私たちは銀行から住宅ローンの融資を受けた。

  Hint: We (私たち) received (受けた) a housing loan (住宅ローン) from the bank (銀行から).

• 融資を申し込む (yūshi o mōshikomu): to apply for a loan/financing

  As seen before, this is how you express the act of applying for funds.

  新しい事業を始めるために融資を申し込むつもりです。

  Hint: I plan to apply for (申し込むつもりです) financing (融資) to start a new business (新しい事業を始めるために).

• 無担保融資 (mutanpo yūshi): unsecured loan

  This term uses 融資 as a noun in a compound word.

  Key Vocabulary

  無担保 (mutanpo): unsecured, without collateral

§ Nuances and Context

融資する generally implies a more formal and structured lending process, like from a bank or a financial institution, rather than just lending money to a friend. For informal lending, you might use 貸す (kasu).

Mastering 融資する will significantly boost your ability to discuss financial topics in Japanese. Pay attention to the particles used with it to correctly indicate who is giving, who is receiving, and what is being financed.

Alright, let's talk about 融資する (yūshi suru). This isn't your everyday, casual Japanese word, but it's super important if you're dealing with business, finance, or even just keeping up with the news in Japan. It means 'to finance' or 'to loan.' Think of banks loaning money, or companies funding projects. You'll hear it a lot in more formal contexts.

§ Basic Meaning of 融資する

Japanese Word

融資する (yūshi suru)

CEFR Level

B2

Definition

To finance, to loan; to provide funding for something.

Basically, when someone or an institution provides money with the expectation that it will be paid back, often with interest, that's 融資する. It's not just lending a friend 500 yen; it's about significant financial transactions.

§ Where you'll hear 融資する: Work, School, News

Okay, so where does this word actually pop up? Let's break down the common situations.

At Work

If you're working in a Japanese company, especially in finance, banking, real estate, or even just a company looking for investment, you'll definitely encounter 融資する. It's a core concept in business funding.

• Banking and Finance: Banks regularly 融資する to individuals for mortgages, or to businesses for expansion. It's their bread and butter.

• Corporate Strategy: Companies seeking capital for new projects, research and development, or acquisitions will talk about securing 融資.

• Startups: New businesses often need 融資 from venture capitalists or government programs to get off the ground.

In School (Higher Education)

If you're studying economics, business, or even public policy in a Japanese university, 融資する will be a regular feature in your textbooks and lectures. You might discuss:

• Government Policies: How governments use 融資 to stimulate the economy or support specific industries.

• International Finance: Discussions about international bodies financing development projects in other countries.

• Case Studies: Analyzing real-world examples of companies or projects that received or sought 融資.

In the News

Any time there's a story about economic activity, business expansion, government spending, or even international aid, you're likely to see or hear 融資する. It's a standard term in financial reporting.

• Economic News: Reports on government programs to finance new infrastructure.

• Corporate Announcements: When a major company announces a new project, the news might mention how it will be funded.

• International Relations: News about Japan loaning money to other countries or participating in international financial initiatives.

As you can see, 融資する is a powerful and practical word. Mastering it means you can understand a lot more about how money moves in Japan, both in a corporate sense and in the wider economy. Keep an ear out for it when you're reading Japanese business news or watching financial reports!

§ Understanding 融資する

融資する (yūshi suru) is a verb that means "to finance" or "to loan." It's commonly used in business and financial contexts when talking about providing funds for a project, company, or individual. Think of it as the act of making a loan available.

Japanese Word

融資する (yūshi suru)

CEFR Level

B2

Definition

To finance, to loan; to provide funding for something.

§ Examples of 融資する in action

The bank decided to finance the new business project temporarily.

He received financing from the bank to buy a house.

The government will finance small and medium-sized enterprises through its support policies.

§ Similar words and when to use this one vs alternatives

While 融資する specifically talks about providing funding, there are other words in Japanese that relate to lending money. Let's break them down:

• 貸す (kasu): This is the most general word for "to lend." It can be used for lending anything, not just money. You can lend a book (本を貸す), a pen (ペンを貸す), or money (お金を貸す). When talking about money, it doesn't carry the formal or large-scale implication that 融資する does. It's suitable for informal situations between friends or family.

To lend money to a friend.

• 融資する (yūshi suru): Use this when you're talking about formal, often large-scale, financial transactions. This is the word you'll hear in business news, banking, and government contexts. It implies a structured process of providing capital, often with interest and repayment terms. It's about funding something significant, like a business venture, a real estate purchase, or a public project.

The bank finances business funds to a company.

• 貸付ける (kashitsukeru): This word is also about lending money, but it's a bit more specific than 貸す. It often implies a professional or institutional lender (like a bank or a credit company) lending money to an individual or entity, usually with interest. It's more formal than 貸す but can sometimes overlap with 融資する in certain contexts. However, 融資する usually suggests a larger, more significant sum or a more strategic purpose for the funds.

The bank lends a loan to its customer.

§ When to use 融資する

You should use 融資する when the context is clearly financial and involves a significant provision of funds. This includes:

• Business loans: When a bank or institution provides money to a company.
• Project funding: When funds are allocated for a specific development or venture.
• Government subsidies/grants: Although not strictly a loan, it's about providing funds to support something.
• Mortgages: Banks 融資する to help people buy homes.

In summary, while all these words involve lending money, 融資する is your go-to word for formal, often large-scale financial backing. Keep practicing these distinctions, and you'll be using them like a pro in no time!