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B1 noun 8 मिनट पढ़ने का समय

借贷

jièdài

इसका अभ्यास करें उदाहरण नोट्स और सुझाव 借贷 30 सेकंड में

व्याख्या 借贷 in your Level:

At the A1 level, you don't really need to use the word 借贷 (jièdài). It's too formal. Instead, focus on the single character 借 (jiè). You use 借 when you want to borrow a book, a pen, or a small amount of money from a friend. For example, '我可以借你的笔吗？' (Can I borrow your pen?). The word 借贷 is something you might see on a sign at a bank, but you wouldn't use it in a conversation. Think of 借 as 'borrow' and 借贷 as 'the big world of banking and loans.' At this stage, just remember that 借 is the action you do when you need something from someone else. You might hear people say 借钱 (jièqián) which means 'to borrow money.' This is much more common for beginners than 借贷.

पूरी व्याख्या पढ़ने के लिए मुफ़्त साइन अप करें

At the A2 level, you are starting to learn about more formal situations. You might encounter 借贷 (jièdài) when reading simple stories about people going to the bank or talking about money. You should understand that 借贷 is a noun that means the whole process of borrowing and lending. It's like the word 'credit' or 'loan business.' If you see a news headline about 借贷, it's talking about money moving between people or businesses. You still shouldn't use it to ask a friend for a favor. Stick to 借 (jiè) for that. But if you are writing a short paragraph about how people get money to buy a house, you could say '很多人通过银行借贷来买房' (Many people buy houses through bank lending). This shows you understand that it's a formal process.

पूरी व्याख्या पढ़ने के लिए मुफ़्त साइन अप करें

At the B1 level, you should be able to use 借贷 (jièdài) in professional or semi-formal contexts. You'll encounter it in topics related to the economy, personal finance, and law. You should know common phrases like 借贷关系 (lending relationship) and 借贷合同 (loan contract). At this level, you start to see the difference between 借贷 and 贷款 (dàikuǎn). While 贷款 is a specific loan, 借贷 is the concept. If you are discussing social issues, you might talk about the risks of 民间借贷 (private lending). You should also be aware that in accounting, 借 and 贷 have specific meanings (debit and credit). You are expected to use 借贷 when the situation calls for a more serious or official tone than 借钱.

At the B2 level, you should have a firm grasp of 借贷 (jièdài) and its various collocations in business and finance. You should be able to discuss the impact of 借贷利率 (lending rates) on the economy or the problems of 过度借贷 (over-borrowing). You can understand complex sentences that use 借贷 as a modifier, such as 借贷成本 (cost of borrowing) or 借贷双方的权利和义务 (the rights and obligations of both the lender and the borrower). You should also be comfortable reading financial news where 借贷 is used to describe market liquidity. Your usage should reflect an understanding that 借贷 is a formal term used to describe the mechanisms of the financial system, not just the act of taking money.

पूरी व्याख्या पढ़ने के लिए मुफ़्त साइन अप करें

At the C1 level, you should be able to use 借贷 (jièdài) with nuance in high-level discussions about macroeconomics, legal theory, and corporate strategy. You can analyze the 借贷结构 (lending structure) of a financial institution or debate the ethics of 高利借贷 (usury/high-interest lending). You should be familiar with the historical evolution of 借贷 in China, from traditional pawnshops to modern FinTech platforms. In professional writing, you use 借贷 to maintain a sophisticated and precise tone. You understand the subtle differences between 借贷 and related concepts like 信用 (credit), 融资 (financing), and 债务 (debt), and you can switch between them accurately depending on the context. You are also proficient in the technical accounting usage of 借贷.

पूरी व्याख्या पढ़ने के लिए मुफ़्त साइन अप करें

At the C2 level, your mastery of 借贷 (jièdài) is equivalent to that of a native professional in finance or law. You can navigate the most complex 借贷纠纷 (lending disputes) and understand the intricacies of 借贷记账法 (double-entry bookkeeping) in a global context. You can use the word to discuss abstract concepts like the '借贷周期' (credit cycle) and its role in economic crises. You are sensitive to the stylistic implications of using 借贷 versus more specialized terms like 授信 (granting credit) or 拆借 (interbank lending). Your ability to use 借贷 in academic papers, legal briefs, or high-level policy discussions is flawless, demonstrating a deep understanding of its linguistic and socio-economic weight in the Chinese language.

पूरी व्याख्या पढ़ने के लिए मुफ़्त साइन अप करें

इसका अभ्यास करें उदाहरण नोट्स और सुझाव

借贷 30 सेकंड में

借贷 is a formal Chinese noun meaning 'borrowing and lending,' primarily used in financial, legal, and accounting contexts.
It combines 借 (borrow) and 贷 (lend), representing the two sides of a credit transaction or a formal loan agreement.
Commonly found in terms like 借贷关系 (lending relationship), 借贷利率 (lending rate), and 借贷记账法 (double-entry bookkeeping).
Avoid using it for casual personal favors; stick to 借 (jiè) or 借钱 (jièqián) for everyday interactions with friends.

The term 借贷 (jièdài) is a sophisticated Chinese noun that encapsulates the entire ecosystem of credit, borrowing, and lending. Unlike the simpler verb 借 (jiè), which might refer to borrowing a pen or a small sum from a friend, 借贷 typically refers to formal financial transactions, legal obligations, and the systemic flow of capital. It is composed of two characters: 借 (to borrow) and 贷 (to lend or a loan). Together, they represent the reciprocal relationship between a debtor and a creditor. In modern Chinese society, this word is ubiquitous in banking, corporate finance, and legal documents, but it also surfaces in discussions about personal debt and the ethics of money. When you use 借贷, you are moving beyond simple 'borrowing' into the realm of 'credit activities.' It implies a structured agreement, often involving interest rates, repayment schedules, and legal accountability. Understanding this word is crucial for navigating the Chinese financial landscape, whether you are opening a bank account, reading a contract, or following economic news.

Financial Institution Context: In a banking context, 借贷 refers to the core business of providing credit to individuals or businesses. It covers the entire lifecycle from the application to the final repayment.
Accounting and Bookkeeping: In double-entry bookkeeping, 借 (jiè) and 贷 (dài) are the technical terms for 'debit' and 'credit.' This is a specialized usage that every accounting student in China must master.
Social and Legal Implications: The term is often used in legal disputes (借贷纠纷) where one party has failed to fulfill their part of a lending agreement, highlighting the formal nature of the word.

银行的借贷业务是其主要利润来源。 (The bank's borrowing and lending business is its primary source of profit.)

民间借贷在农村地区非常普遍。 (Private lending is very common in rural areas.)

我们需要规范借贷市场以防止金融风险。 (We need to regulate the lending market to prevent financial risks.)

这笔借贷合同具有法律效力。 (This loan contract has legal validity.)

高利借贷是违法的。 (High-interest lending is illegal.)

Mastering the usage of 借贷 (jièdài) requires understanding its role as a formal noun that often acts as an object or a modifier in complex financial phrases. It is rarely used as a simple verb in the way 'borrow' is used in English. Instead, it functions as the conceptual core of credit-related activities. You will frequently see it paired with words like 关系 (relationship), 市场 (market), 纠纷 (dispute), and 利率 (interest rate). For example, a 'lending relationship' is 借贷关系. When discussing the macroeconomy, economists might talk about the 'scale of lending' (借贷规模). In a legal context, a 'loan agreement' is often referred to as a 借贷合同. To use it correctly, imagine you are in a professional setting like a bank or a courtroom. You wouldn't say 'I 借贷 your book,' but you would say 'The bank provides 借贷 services.' This distinction is vital for sounding natural in professional Chinese.

Subject/Object usage: 借贷 can serve as the subject of a sentence, such as in '借贷需要信用' (Lending requires credit), or as an object, like '他从事借贷业务' (He is engaged in the lending business).
As an attributive (modifier): It often modifies other nouns to specify a financial nature, such as 借贷成本 (cost of borrowing) or 借贷双方 (both parties of the loan).
Formal vs. Informal: Always choose 借贷 over 借钱 in written reports, financial news, or formal speeches to maintain a professional tone.

合同中明确了借贷的期限和利息。 (The contract clearly specifies the term and interest of the loan.)

过度借贷会导致个人破产。 (Excessive borrowing can lead to personal bankruptcy.)

互联网借贷平台需要严格监管。 (Internet lending platforms need strict regulation.)

企业通过借贷来扩大生产规模。 (Enterprises expand production scale through borrowing.)

双方达成了借贷意向。 (The two parties reached a lending intention.)

You will encounter 借贷 (jièdài) in several specific environments that define modern Chinese life. First and foremost is the banking sector. When you walk into a Bank of China or ICBC branch, the brochures and digital screens will frequently mention 借贷业务 (lending business). Secondly, in the digital age, 'FinTech' or 互联网金融 (Internet Finance) is a massive industry in China. Apps like Alipay (Ant Group) or WeChat Pay have sections dedicated to micro-lending, often termed 网贷 (wǎngdài, short for 网络借贷). You will hear this word in news reports discussing the national debt, central bank interest rate changes, or the 'cooling' of the housing market. In the legal world, courtrooms are full of 借贷纠纷 (lending disputes), which are one of the most common types of civil lawsuits in China. Furthermore, in academic and professional accounting settings, 借贷 is the foundation of the 'Debit-Credit' system. If you study business in China, you will say '借' for debit and '贷' for credit every single day. Finally, in daily conversation, while people usually say 借钱 (jièqián) for borrowing small amounts, they switch to 借贷 when discussing mortgages, business loans, or the general state of the economy.

News and Media: Financial news anchors use 借贷 to describe liquidity in the market and the behavior of commercial banks.
Professional Accounting: Accountants use 借贷记账法 (Double-entry bookkeeping) as the standard method for recording financial transactions.
Legal Documents: Every formal loan agreement will use the term 借贷 to define the legal nature of the money transfer.

央行下调了基准借贷利率。 (The central bank lowered the benchmark lending rate.)

他因为民间借贷陷入了财务危机。 (He fell into a financial crisis because of private lending.)

会计准则规定了借贷的处理方法。 (Accounting standards stipulate the handling of debits and credits.)

由于信用记录良好，他的借贷申请很快获批。 (Due to a good credit record, his loan application was quickly approved.)

我们需要警惕非法借贷的陷阱。 (We need to be wary of the traps of illegal lending.)

One of the most frequent mistakes learners make with 借贷 (jièdài) is treating it as a direct synonym for the casual verb 'to borrow' (借). For instance, saying '我可以借贷你的手机吗？' (Can I borrow-and-lend your phone?) is incorrect and sounds quite absurd to a native speaker. 借贷 is reserved for money and formal credit. Another common error is confusing the direction of the transaction. Because 借贷 contains both 'borrow' and 'lend,' beginners sometimes forget that it refers to the *entire activity* or the *concept* rather than a single direction. If you want to say 'I lent him money,' use '我借钱给他.' If you want to talk about the 'lending agreement,' use '借贷协议.' In accounting, a common pitfall is misunderstanding the 'Debit' and 'Credit' roles of 借 and 贷. In the Chinese system, 借 (jiè) is Debit and 贷 (dài) is Credit. Reversing these can lead to catastrophic errors in financial reporting. Lastly, learners often confuse 借贷 with 贷款 (dàikuǎn). While they are related, 贷款 is usually a noun meaning 'a loan' (the specific sum of money), whereas 借贷 is the broader activity of borrowing and lending. You take out a 贷款, but you participate in 借贷.

Confusing with '借' (jiè): Mistake: '借贷一支笔' (Borrow-lend a pen). Correction: Use '借一支笔' for physical objects.
Confusing with '贷款' (dàikuǎn): Mistake: '我向银行申请了一个借贷.' Correction: '我向银行申请了一笔贷款.' Use 贷款 for the specific loan amount.
Register Errors: Mistake: Using 借贷 when chatting with a friend about a 50 RMB loan. Correction: Use 借钱 to avoid sounding overly formal or robotic.

错误：他借贷了我的自行车。 (Incorrect: He borrow-lent my bicycle.)

正确：他借了我的自行车。 (Correct: He borrowed my bicycle.)

错误：这笔借贷的利息很高。 (Note: While not strictly wrong, '贷款' is more common for a specific loan.)

正确：这笔贷款的利息很高。 (Correct: The interest on this loan is very high.)

注意：在会计中，借方(Debit)不等于贷方(Credit)。 (Note: In accounting, Debit does not equal Credit.)

To truly master financial Chinese, you must distinguish 借贷 (jièdài) from several closely related terms. The most common alternative is 贷款 (dàikuǎn), which specifically refers to a loan provided by a bank or financial institution. While 借贷 is the *activity*, 贷款 is the *product*. Another similar word is 融资 (róngzī), which means 'financing.' This is a broader term used in corporate finance to describe how a company raises capital, whether through loans (借贷), issuing shares, or other means. There is also 债 (zhài), meaning 'debt.' While 借贷 describes the transaction, 债 describes the resulting state of owing money. For very formal or legal contexts, you might see 债权 (zhàiquán, creditor's rights) and 债务 (zhàiwù, debt/liability). In casual settings, 借钱 (jièqián) is the go-to phrase. It is simple, direct, and lacks the legalistic weight of 借贷. Finally, in the world of investments, 杠杆 (gànggǎn, leverage) is a related concept that involves using borrowed funds (借贷资金) to increase potential returns. Understanding these nuances will allow you to choose the precise word for every financial situation.

借贷 vs. 贷款: 借贷 is the general concept of borrowing/lending; 贷款 is a specific loan granted by a professional lender.
借贷 vs. 融资: 借贷 is specifically about debt; 融资 can include debt but also includes equity (selling shares).
借贷 vs. 借钱: 借贷 is formal/professional; 借钱 is informal/daily life.

公司正在进行债权融资。 (The company is undergoing debt financing.)

他欠了一大笔债。 (He owes a large amount of debt.)

你能借我一点钱吗？ (Can you lend me some money? - Casual)

银行提供多种贷款产品。 (The bank offers various loan products.)

会计分录中必须平衡借和贷。 (Debits and credits must balance in accounting entries.)

How Formal Is It?

रोचक तथ्य

In ancient China, the character 贷 (dài) was often associated with 'forgiveness' or 'pardon' in certain contexts, but in financial terms, it has always been about the provision of money or grain to be returned later.

उच्चारण मार्गदर्शिका

UK /tɕjê.tâɪ/

US /tɕjê.tâɪ/

Both syllables carry the 4th tone (falling), so they are both stressed equally and sharply.

तुकबंदी

列带 (liè dài) 写在 (xiě zài) 铁块 (tiě kuài) 切开 (qiē kāi) 夜色 (yè sè - partial) 界外 (jiè wài) 懈怠 (xiè dài) 接待 (jiē dài - homophone/near-homophone)

आम गलतियाँ

Pronouncing 'jie' as 'jay' (incorrect vowel).
Using the 3rd tone for 'jie' (making it sound like 'to explain').
Pronouncing 'dai' as 'day' (incorrect diphthong).
Failing to make both tones falling, which changes the meaning.
Confusing the sounds with 'jiedai' (to receive/welcome, which has different characters).

कठिनाई स्तर

पठन 3/5

Common in news and formal documents, requires understanding of financial context.

लिखना 4/5

Easy to confuse with '借' or '贷款' if the register isn't understood.

बोलना 3/5

Pronunciation is simple (two 4th tones), but choosing the right context is key.

श्रवण 3/5

Easily distinguishable in financial contexts, but sounds like '接待' (receive).

आगे क्या सीखें

पूर्वापेक्षाएँ

借 (borrow/lend) 钱 (money) 银行 (bank) 还 (return) 利息 (interest)

आगे सीखें

融资 (financing) 债务 (debt) 资产 (assets) 信用 (credit) 破产 (bankruptcy)

उन्नत

杠杆 (leverage) 违约 (default) 抵押 (mortgage) 征信 (credit reporting) 流动性 (liquidity)

ज़रूरी व्याकरण

Noun as Modifier

借贷 (Noun) + 市场 (Noun) = 借贷市场 (Lending market)

Measure Words for Loans

一笔 (yī bǐ) + 借贷 = A loan/transaction

Formal vs. Informal register

Use 借贷 in reports; use 借钱 in texts to friends.

Double-entry Accounting Terms

借 (Debit) vs. 贷 (Credit) in bookkeeping.

Prepositional Phrases

关于 (About) + 借贷的 (lending) + 规定 (regulations)

पूरी व्याख्या पढ़ने के लिए मुफ़्त साइन अप करें

स्तर के अनुसार उदाहरण

我不借贷，我只借钱给朋友。

I don't do formal lending, I only lend money to friends.

Shows the contrast between formal 借贷 and informal 借钱.

银行有借贷业务。

The bank has a lending business.

Simple subject-verb-object structure.

他想借贷买一辆车。

He wants to borrow money to buy a car.

Using 借贷 as a formal way to say 'get a loan'.

借贷需要很多钱吗？

Does borrowing and lending require a lot of money?

A simple question using 借贷 as the subject.

这里的借贷很简单。

Lending here is very simple.

Adjective describing the noun 借贷.

我不喜欢借贷。

I don't like borrowing and lending.

Expressing a preference using 借贷 as an object.

他看借贷的书。

He reads books about lending.

借贷 modifying the noun 书.

这是借贷的广告。

This is an advertisement for lending.

Possessive marker 的 connecting 借贷 and 广告.

很多小公司需要借贷来发展。

Many small companies need lending to develop.

Shows 借贷 in a business growth context.

银行的借贷利率很低。

The bank's lending interest rate is very low.

Introduces the common collocation 借贷利率.

他们之间有借贷关系。

There is a lending relationship between them.

Introduces the formal term 借贷关系.

通过网上借贷很快捷。

Lending through the internet is very fast.

Introduces the modern context of online lending.

借贷合同样本在哪里？

Where is the loan contract template?

Introduces the compound 借贷合同.

他负责公司的借贷工作。

He is responsible for the company's lending work.

Uses 借贷 as a noun describing a job function.

借贷双方都签了字。

Both the lender and borrower have signed.

Introduces 借贷双方 (both parties).

这是一笔合法的借贷。

This is a legal loan.

Uses 借贷 with an adjective for legal status.

民间借贷的利息往往比银行高。

Private lending interest is often higher than the bank.

Introduces the term 民间借贷 (private lending).

借贷纠纷需要通过法律解决。

Lending disputes need to be resolved through law.

Introduces 借贷纠纷 (lending dispute).

会计准则对借贷有严格规定。

Accounting standards have strict regulations on debits and credits.

Refers to the accounting usage of 借贷.

过度借贷会增加财务风险。

Excessive borrowing will increase financial risk.

Uses 过度 (excessive) with 借贷.

我们要规范互联网借贷市场。

We need to regulate the internet lending market.

Discusses market regulation.

借贷成本的上升影响了消费。

The rise in borrowing costs has affected consumption.

Introduces 借贷成本 (cost of borrowing).

他正在研究古代的借贷制度。

He is studying the ancient lending system.

Refers to a historical/academic context.

借贷资金必须专款专用。

Borrowed funds must be used for their designated purpose.

Discusses the use of 借贷资金 (borrowed funds).

借贷市场的波动引起了投资者的不安。

Fluctuations in the lending market have caused unease among investors.

Discusses market volatility.

企业通过多元化借贷渠道降低成本。

Enterprises reduce costs through diversified lending channels.

Introduces 借贷渠道 (lending channels).

借贷协议中应包含违约条款。

The lending agreement should include default clauses.

Introduces 借贷协议 (lending agreement).

短期借贷可以缓解资金周转压力。

Short-term lending can ease cash flow pressure.

Introduces 短期借贷 (short-term lending).

银行对借贷申请人的信用评估非常严格。

Banks are very strict in evaluating the credit of loan applicants.

Discusses credit evaluation.

借贷记账法是现代会计的基础。

Double-entry bookkeeping is the foundation of modern accounting.

Formal term for double-entry bookkeeping.

非法借贷往往伴随着暴力催收。

Illegal lending is often accompanied by violent debt collection.

Discusses social issues related to lending.

宏观经济政策直接影响借贷规模。

Macroeconomic policies directly affect the scale of lending.

Introduces 借贷规模 (scale of lending).

借贷关系的复杂化要求更完善的法律框架。

The complexity of lending relationships requires a more complete legal framework.

Discusses systemic complexity.

我们需要防范借贷链条断裂引发的金融危机。

We need to prevent financial crises caused by the breaking of lending chains.

Introduces 借贷链条 (lending chain).

该报告深入分析了借贷市场的结构性矛盾。

The report provides an in-depth analysis of the structural contradictions in the lending market.

Uses academic language (结构性矛盾).

长期借贷通常涉及更复杂的抵押手续。

Long-term lending usually involves more complex mortgage procedures.

Introduces 长期借贷 (long-term lending).

借贷行为的心理因素在行为金融学中备受关注。

Psychological factors in lending behavior are highly scrutinized in behavioral finance.

Discusses psychological aspects (借贷行为).

普惠金融旨在解决小微企业的借贷难问题。

Inclusive finance aims to solve the borrowing difficulties of small and micro enterprises.

Introduces 借贷难 (difficulty in borrowing).

借贷利率的市场化改革是金融改革的核心。

The market-oriented reform of lending rates is the core of financial reform.

Discusses policy reform.

跨境借贷涉及到复杂的汇率风险和监管差异。

Cross-border lending involves complex exchange rate risks and regulatory differences.

Introduces 跨境借贷 (cross-border lending).

借贷资本的全球流动重塑了国际分工格局。

The global flow of loan capital has reshaped the pattern of international division of labor.

Introduces 借贷资本 (loan capital).

深入探讨借贷本质有助于理解现代货币的创造机制。

A deep exploration of the essence of lending helps in understanding the mechanism of modern money creation.

Discusses economic theory.

借贷契约的完备性对于降低交易成本至关重要。

The completeness of lending contracts is crucial for reducing transaction costs.

Introduces 借贷契约 (lending contract/covenant).

该论文研究了借贷约束对居民消费行为的长远影响。

The paper studies the long-term impact of lending constraints on household consumption behavior.

Introduces 借贷约束 (lending constraints).

借贷杠杆的失控往往是资产泡沫破裂的导火索。

The loss of control over lending leverage is often the trigger for the bursting of asset bubbles.

Introduces 借贷杠杆 (lending leverage).

借贷市场的非对称信息可能导致逆向选择和道德风险。

Asymmetric information in the lending market can lead to adverse selection and moral hazard.

Discusses advanced economic concepts.

借贷关系的演变反映了社会信用体系的变迁。

The evolution of lending relationships reflects the changes in the social credit system.

Connects language to social history.

通过穿透式监管，可以有效识别影子银行的借贷风险。

Through look-through supervision, the lending risks of shadow banking can be effectively identified.

Discusses advanced regulatory techniques.

सामान्य शब्द संयोजन

借贷关系

借贷利率

借贷合同

借贷纠纷

借贷规模

借贷记账法

借贷双方

过度借贷

短期借贷

民间借贷

सामान्य वाक्यांश

借贷平衡

— In accounting, the state where debits equal credits.

借贷平衡是财务报表准确的基础。

高利借贷

— Lending money at an extremely high interest rate; usury.

严厉打击非法高利借贷行为。

网络借贷

— Borrowing and lending conducted through internet platforms (P2P).

网络借贷平台需要加强监管。

借贷成本

— The total cost of borrowing money, including interest and fees.

企业非常关注借贷成本的变化。

借贷限制

— Rules or conditions that limit how much one can borrow.

由于借贷限制，他无法获得更多资金。

信用借贷

— Lending based on the borrower's creditworthiness without collateral.

信用借贷对个人的信用要求很高。

抵押借贷

— Lending that requires an asset (like a house) as collateral.

抵押借贷通常利率较低。

借贷意向

— The preliminary intention or agreement to borrow/lend.

银行已经表达了初步的借贷意向。

借贷周期

— The time period from borrowing to full repayment.

这个项目的借贷周期为三年。

借贷主体

— The entities (people or companies) involved in the loan.

借贷主体必须具有合法的民事权利能力。

अक्सर इससे भ्रम होता है

借贷 vs 接待 (jiēdài)

Sounds similar but means 'to receive/welcome guests'. Note the 1st tone on 'jiē'.

借贷 vs 阶段 (jiēduàn)

Sounds slightly similar but means 'stage' or 'phase'.

借贷 vs 交代 (jiāodài)

Means 'to explain' or 'to hand over', often confused by beginners due to the 'dai' sound.

मुहावरे और अभिव्यक्तियाँ

"有借有还，再借不难"

— Borrowing and returning promptly makes it easy to borrow again. This emphasizes the importance of credit.

做人要讲信用，有借有还，再借不难。

Common Saying

"债台高筑"

— To be heavily in debt (literally 'building a high terrace of debt').

由于经营不善，公司现在债台高筑。

Formal/Literary

"量入为出"

— To live within one's means; to spend based on income.

理财的第一步是量入为出，避免过度借贷。

Formal

"因小失大"

— To lose something big for a small gain (often used in lending traps).

不要为了眼前的借贷便利而忽视高额利息，以免因小失大。

Common

"雪中送炭"

— To provide help in someone's hour of need (like a timely loan).

这笔借贷对他来说真是雪中送炭。

Literary

"锦上添花"

— To add beauty to something already good (lending to a successful company).

银行更愿意为盈利的企业借贷，这叫锦上添花。

Literary

"釜底抽薪"

— To take a drastic measure to solve a problem (like calling in a loan suddenly).

银行突然停止借贷，对他来说无异于釜底抽薪。

Literary

"拆东墙补西墙"

— To rob Peter to pay Paul; taking new loans to pay old ones.

他靠借贷维持生活，整天拆东墙补西墙。

Common

"背债度日"

— To live a life burdened by debt.

许多年轻人因为过度消费而背债度日。

Formal

"无债一身轻"

— Free of debt, free of care.

还清了最后一笔借贷，他感到无债一身轻。

Common

आसानी से भ्रमित होने वाले

借贷 vs 借

Both mean borrow/lend.

借 is a simple verb for items or money; 借贷 is a formal noun for financial systems.

借我一支笔 (Borrow a pen) vs. 借贷业务 (Lending business).

借贷 vs 贷款

Both involve loans.

贷款 is the specific loan amount or product; 借贷 is the general activity.

申请贷款 (Apply for a loan) vs. 借贷市场 (Lending market).

借贷 vs 融资

Both involve getting money.

融资 is broader (includes selling stocks); 借贷 is specifically debt-based.

公司融资 (Company financing) vs. 民间借贷 (Private lending).

借贷 vs 债

Both relate to owing money.

债 is the state of owing (debt); 借贷 is the transaction (borrowing/lending).

欠债 (Owe debt) vs. 借贷合同 (Lending contract).

借贷 vs 信贷

Both mean credit/lending.

信贷 is more academic/economic; 借贷 is more transactional/legal.

信贷政策 (Credit policy) vs. 借贷纠纷 (Lending dispute).

वाक्य संरचनाएँ

由于...，...不得不通过借贷...

由于资金短缺，他不得不通过借贷来维持经营。

借贷双方应当...

借贷双方应当遵守合同约定。

...对借贷市场产生了...影响

新政策对借贷市场产生了深远影响。

过度借贷会导致...

过度借贷会导致严重的财务问题。

借贷利率的市场化...

借贷利率的市场化是金融改革的关键一步。

在...的背景下，借贷规模...

在经济增长放缓的背景下，借贷规模有所缩减。

借贷资本的全球流动...

借贷资本的全球流动加剧了金融市场的波动。

从...的角度看，借贷本质上是...

从宏观经济的角度看，借贷本质上是资源的跨期配置。

शब्द परिवार

संज्ञा

借口 (excuse)

借据 (IOU)

贷方 (credit side)

贷款 (loan)

क्रिया

借用 (to borrow and use)

借调 (to second/transfer temporarily)

贷款 (to lend/loan)

借代 (to substitute)

विशेषण

借贷的 (lending-related)

इसे कैसे इस्तेमाल करें

frequency

Common in financial news, business, and law; rare in casual daily speech.

सामान्य गलतियाँ

我可以借贷你的书吗？ → 我可以借你的书吗？
借贷 is for money/credit, 借 is for objects.
他借贷了我一百块。 → 他借给我一百块。
借贷 is a formal noun/concept, not a simple transitive verb for small amounts.
这笔借贷利率很高。 → 这笔贷款的利率很高。
While understandable, 贷款 is more natural for a specific loan's interest rate.
我正在借贷中。 → 我正在办理贷款。
借贷 is the concept; you 'apply for' or 'handle' a specific loan (贷款).
Confusing 借 (Debit) and 贷 (Credit). → 借 = Debit, 贷 = Credit.
Reversing these in accounting is a major technical error.

सुझाव

Noun usage

Remember that 借贷 is usually a noun. You 'engage in' (从事) or 'have' (有) 借贷, rather than 'doing' it like a simple action.

Compound Power

Learn the compounds! 房贷 (house loan), 车贷 (car loan), and 网贷 (online loan) are all derived from the 'dai' in 借贷.

Double Fourth

Both characters are 4th tone. Make them short, sharp, and falling to sound like a native professional.

Keep it Professional

Use 借贷 in your business emails and academic papers. It immediately raises the level of your Chinese.

Face and Credit

In China, 借贷 is tied to 'Xin' (信 - trust/credit). Maintaining a good 借贷 record is essential for social and business standing.

Debit/Credit

If you study accounting, remember: 借 (Left/Debit) and 贷 (Right/Credit). This is a standard rule in Chinese bookkeeping.

Avoid Overuse

Don't use 借贷 for small favors. It's like using 'financial intermediation' to ask for a dollar.

Check the Radicals

The 贝 radical in 贷 is your clue that this word is about money/value.

News Scanning

When reading Chinese financial news, look for 借贷 to quickly identify sections about the credit market.

Contract Tip

In a contract, '借款人' is the borrower and '贷款人' is the lender. Both are part of the 借贷 relationship.

याद करें

स्मृति सहायक

Think of 'Jie' (借) as someone asking for something and 'Dai' (贷) as someone providing money (notice the 'money' radical 贝 at the bottom). Together, they complete the circle of borrowing and lending.

दृश्य संबंध

Visualize a bank counter. On one side, a person is 'borrowing' (借) a bag of money, and on the other side, the bank is 'lending' (贷) it. The word 借贷 is the sign hanging over the counter.

Word Web

银行 (Bank) 钱 (Money) 利息 (Interest) 合同 (Contract) 信用 (Credit) 还钱 (Repay) 会计 (Accounting) 法律 (Law)

चैलेंज

Try to explain the concept of a mortgage to a friend using the word 借贷. Focus on the relationship between the person and the bank.

शब्द की उत्पत्ति

The word 借贷 is a compound of two ancient characters. '借' (jiè) originally meant to assist or to rely on, evolving into the act of borrowing. '贷' (dài) contains the 'shell' radical (贝), which was an ancient form of currency in China, indicating its inherent connection to money and value. Together, they form a comprehensive term for the reciprocal exchange of goods or capital.

मूल अर्थ: To borrow and to lend capital or goods under an agreement of return.

Sino-Tibetan (Chinese)

सांस्कृतिक संदर्भ

Be careful when discussing '民间借贷' (private lending), as it can sometimes involve illegal 'black money' or 'loan sharks' (高利贷).

English speakers might use 'borrowing' or 'lending' separately. In Chinese, 借贷 is often used as a single concept, similar to 'credit activities' or 'the loan market.'

The movie 'Dying to Survive' (indirectly relates to the financial pressure of medical debt). Chinese financial news often quotes '央行借贷利率' (Central bank lending rates). Accounting textbooks in China (借贷记账法).

असल ज़िंदगी में अभ्यास करें

वास्तविक संदर्भ

Banking

申请借贷
借贷审批
借贷额度
借贷期限

Accounting

借贷记账
借方余额
贷方余额
借贷平衡

Legal

借贷纠纷
借贷协议
借贷主体
非法借贷

Personal Finance

过度借贷
理性借贷
网上借贷
民间借贷

Economics

借贷市场
借贷规模
借贷利率
借贷成本

बातचीत की शुरुआत

"你对现在的互联网借贷平台有什么看法？ (What do you think of current internet lending platforms?)"

"在你的国家，银行借贷的流程复杂吗？ (Is the bank lending process complicated in your country?)"

"你认为过度借贷是导致金融危机的主要原因吗？ (Do you think excessive borrowing is the main cause of financial crises?)"

"如果你需要资金创业，你会选择哪种借贷方式？ (If you needed capital to start a business, which lending method would you choose?)"

"民间借贷在你们家乡普遍吗？ (Is private lending common in your hometown?)"

डायरी विषय

写一写你对‘信用在借贷关系中的重要性’的理解。 (Write about your understanding of the importance of credit in lending relationships.)

描述一次你参与借贷（或借钱）的经历，以及你学到了什么。 (Describe an experience where you were involved in borrowing/lending and what you learned.)

你认为政府应该如何监管网络借贷市场？ (How do you think the government should regulate the online lending market?)

讨论借贷对现代消费社会的影响。 (Discuss the impact of borrowing and lending on modern consumer society.)

如果一个人陷入了借贷危机，你有什么建议？ (If someone fell into a lending crisis, what advice would you have?)

अक्सर पूछे जाने वाले सवाल

10 सवाल

No, 借贷 is strictly for money and formal credit. For a book, use the simple verb 借 (jiè).

In Chinese accounting, 借 (jiè) means Debit and 贷 (dài) means Credit. They are used to record different sides of a transaction.

Only if you are discussing serious topics like mortgages or the economy. For everyday money matters, use 借钱 (jièqián).

It refers to private lending between individuals or non-financial businesses, outside of the formal banking system.

It is primarily a noun (borrowing and lending), but it can sometimes function as a verb in very formal, technical contexts.

The most common measure word is 笔 (bǐ), which is used for transactions or sums of money.

In a formal financial context, yes, it almost always involves interest (利息), though informal lending might not.

网贷 is short for 网络借贷, which refers to online lending platforms, often peer-to-peer (P2P).

Technically yes in historical or very broad economic terms (like lending grain), but in modern usage, it's almost 100% about money.

You use the term 高利贷 (gāolìdài), which literally means 'high-interest lending'.

सुझाव और नोट्स के लिए मुफ़्त साइन अप करें