When we talk about money, sometimes we owe money to others. This is called a liability or debt. Imagine you borrow money from the bank to buy a house; that money you have to pay back is a 负债. Or if a company has to pay money to its suppliers, that's also considered 负债. It's basically money or obligations that you need to pay back in the future. So, 负债 is the opposite of assets, which are things you own.
When we talk about money, 负债 (fùzhài) refers to what a person or company owes to others. Think of it as the opposite of assets, which are things you own. If you borrow money to buy a house or a car, that money you owe back is considered 负债.
It’s important to understand 负债 in personal finance. For example, credit card balances or student loans are common types of 负债 for individuals. Businesses also have 负债, like loans from banks or money owed to suppliers.
When discussing finances, you'll often encounter the word 负债 (fùzhài). This term refers to liabilities or debt, essentially money that you owe to others. It’s the opposite of assets, which are things you own that have value. For instance, a loan taken out to buy a house or a car would be considered a form of 负债. Understanding your 负债 is crucial for financial planning, whether it’s for a business or personal budget. Managing your 负债 effectively can lead to financial stability, while excessive 负债 can lead to financial difficulties.
When discussing financial obligations in Chinese, 负债 (fùzhài) is the go-to term. It directly translates to liabilities or debt. This word is crucial for understanding economic news, business reports, or even personal finance conversations. It encompasses all financial responsibilities, from a simple loan to complex corporate liabilities.
Understanding 负债 is essential for anyone delving deeper into the Chinese financial landscape, as it frequently appears in contexts related to solvency, credit, and economic health. It's a fundamental concept for grasping how individuals and organizations manage their financial burdens.
§ Understanding 负债 (fùzhài)
The Chinese word 负债 (fùzhài) is a noun that means 'liabilities' or 'debt'. It's commonly used in both financial and general contexts to talk about money or obligations that are owed to others. Think of it as the opposite of assets – it's what you 'owe' rather than what you 'own'.
公司有很多负债。
- Translation hint
- The company has a lot of debt/liabilities.
他因为赌博背上了巨额负债。
- Translation hint
- He accumulated huge debt due to gambling.
§ 负债 vs. 债务 (zhàiwù)
Both 负债 (fùzhài) and 债务 (zhàiwù) translate to 'debt' or 'liabilities'. So what's the difference and when do you use which one?
- 负债 (fùzhài): This term is broader. It often refers to the overall financial state of having liabilities, whether it's for an individual, a company, or even a country. It can be a general concept. When used in accounting, 负债 is the standard term for 'liabilities' on a balance sheet.
- 债务 (zhàiwù): This term is more specific and often refers to a particular debt or a collection of specific debts. It emphasizes the 'thing' that is owed. You might talk about 'paying off a debt' (偿还债务) or 'debt crisis' (债务危机).
Think of it this way:
- If you're talking about the general condition of being in debt, or the total amount of money owed by a company on its financial statements, use 负债.
- If you're referring to a specific loan, an outstanding bill, or discussing the act of repaying a particular financial obligation, 债务 is often a better fit.
这家公司的负债很高。
- Translation hint
- This company's liabilities/debt are very high. (General financial state)
他正在努力偿还他的银行债务。
- Translation hint
- He is working hard to repay his bank debt. (Specific debt)
§ 欠款 (qiànkuǎn) and 贷款 (dàikuǎn)
Let's look at a couple more related terms:
- 欠款 (qiànkuǎn): This literally means 'owed money'. It's often used for smaller, more informal debts or outstanding payments. Think of it as 'arrears' or 'money owed'. If you owe a friend money or have an unpaid bill for a service, you might use 欠款. It's less formal and less encompassing than 负债.
- 贷款 (dàikuǎn): This specifically means 'loan'. While a loan is a type of debt, 贷款 refers to the money borrowed from a financial institution or individual, and the process of borrowing it. You take out a 贷款, and then that 贷款 becomes part of your overall 负债.
他还有一些信用卡欠款没还。
- Translation hint
- He still has some credit card outstanding payments he hasn't repaid.
他申请了一笔购房贷款。
- Translation hint
- He applied for a housing loan.
§ Key Takeaways for 负债
When deciding which word to use:
- Use 负债 (fùzhài) for the general concept of liabilities or total debt, especially in financial accounting.
- Use 债务 (zhàiwù) when talking about specific debts or financial obligations that need to be repaid.
- Use 欠款 (qiànkuǎn) for informal or smaller amounts of money owed.
- Use 贷款 (dàikuǎn) specifically for a loan.
By understanding these distinctions, you can talk about financial matters in Chinese with more precision. Don't worry if it seems a bit tricky at first; with practice, you'll get the hang of it!
発音ガイド
- Mispronouncing the 'zh' sound
- Incorrect tone for 'fù'
難易度
short
short
short
short
次に学ぶべきこと
前提知識
次に学ぶ
上級
知っておくべき文法
Use 负债 when talking about financial obligations someone has. It's a formal term.
他有很多负债。 (He has a lot of debt.)
It can be used in a negative sense, meaning 'burden' or 'liability' beyond just money.
这个项目成了公司的负债。 (This project became a liability for the company.)
You can use '有负债' (yǒu fùzhài) to say 'to have debt'.
这家公司现在有负债。 (This company currently has debt.)
To specify the amount of debt, you can say 'X (number) 的负债'.
他有几百万的负债。 (He has several million in debt.)
It's often seen in financial contexts, like '资产负债表' (zīchǎn fùzhàibiǎo - balance sheet).
我们需要查看公司的资产负债表。 (We need to check the company's balance sheet.)
レベル別の例文
他有很多负债。
He has a lot of debts.
公司负债累累。
The company is heavily in debt.
我不想背负债。
I don't want to carry debt.
他有房贷负债。
He has mortgage debt.
我们应该减少负债。
We should reduce our debts.
这个项目没有负债。
This project has no liabilities.
她的负债很轻。
Her debt is very light.
解决负债问题很重要。
Solving debt problems is very important.
公司负债累累，濒临破产。
The company is burdened with heavy debts, on the verge of bankruptcy.
累累 (lěilěi) signifies accumulation, implying 'heavy' or 'numerous' debts.
他因为投资失败而背负了巨额负债。
He accumulated huge debts due to investment failures.
背负 (bēifù) means to carry on one's back, figuratively indicating bearing a burden like debt.
房地产市场不景气，很多开发商都面临巨大的负债压力。
The real estate market is sluggish, and many developers are facing immense debt pressure.
压力 (yālì) means pressure, commonly used with负债 to describe the burden of debt.
为了偿还负债，他不得不卖掉自己的房子。
To repay his debts, he had no choice but to sell his house.
偿还 (chánghuán) means to repay, often used for debts or loans.
政府正在努力削减国家负债。
The government is working hard to reduce the national debt.
削减 (xuējiǎn) means to cut down or reduce, often applied to expenses, budgets, or debts.
这次经济危机导致许多家庭陷入负债困境。
This economic crisis led many families into debt difficulties.
困境 (kùnjìng) means a predicament or difficult situation.
银行对那些有高负债率的客户持谨慎态度。
Banks are cautious towards customers with high debt ratios.
负债率 (fùzhàilǜ) is a compound noun meaning 'debt ratio'.
虽然他现在很富有，但他年轻时也曾为负债所困。
Although he is wealthy now, he was also plagued by debt in his youth.
所困 (suǒkùn) is a passive structure indicating being troubled or trapped by something.
よく使う組み合わせ
よく使うフレーズ
他有很多负债。
He has a lot of debt.
公司负债很高。
The company's liabilities are very high.
减轻负债压力。
To ease debt pressure.
处理个人负债问题。
To deal with personal debt issues.
我们必须面对负债问题。
We must face the debt problem.
这家公司没有负债。
This company has no liabilities.
负债是企业的一部分。
Liabilities are a part of a business.
她努力摆脱负债。
She worked hard to get rid of debt.
他的负债太多了。
He has too much debt.
控制负债风险。
To control debt risk.
慣用句と表現
"负债累累 (fùzhài lěilěi)"
heavily in debt; deeply indebted
他因为投资失败，现在负债累累。 (He's heavily in debt now because of a failed investment.)
neutral"背负债务 (bēifù zhàiwù)"
to carry a burden of debt
他们为了买房，不得不背负高额债务。 (They had to carry a heavy burden of debt to buy a house.)
neutral"清偿负债 (qīngcháng fùzhài)"
to pay off debts; to liquidate liabilities
公司正在努力清偿负债，以避免破产。 (The company is working hard to pay off its debts to avoid bankruptcy.)
formal"资不抵债 (zī bù dǐ zhài)"
assets are insufficient to cover debts; insolvent
这家企业已经资不抵债，面临倒闭。 (This enterprise is already insolvent and facing closure.)
formal"债台高筑 (zhài tái gāozhù)"
to be heavily in debt (lit. debt platform built high)
他赌博成瘾，现在债台高筑。 (He's addicted to gambling and is now heavily in debt.)
neutral"摆脱负债 (bǎituō fùzhài)"
to get rid of debt; to shake off liabilities
她希望能尽快摆脱负债，开始新的生活。 (She hopes to get rid of her debts as soon as possible and start a new life.)
neutral"负债经营 (fùzhài jīngyíng)"
operating with debt; leveraged operation
很多大公司都采用负债经营的模式来扩张。 (Many large companies use a debt-financed operational model to expand.)
formal"偿还负债 (chánghuán fùzhài)"
to repay debts; to pay back liabilities
银行要求他按时偿还负债。 (The bank required him to repay his debts on time.)
neutral"内债 (nèi zhài)"
internal debt (within a country or organization)
国家面临着巨大的内债压力。 (The country is facing immense pressure from its internal debt.)
formal"外债 (wài zhài)"
external debt (owed to foreign entities)
许多发展中国家都有沉重的外债负担。 (Many developing countries have a heavy burden of external debt.)
formal語族
名詞
動詞
形容詞
暗記しよう
記憶術
Imagine a 'negative' (负 fù) 'asset' (债 zhài). Liabilities are negative assets, things you owe. So, 负债 is 'negative assets' or 'debt.'
視覚的連想
Picture a stack of bills or a heavy chain around someone's ankle, representing the burden of 'debt' (负债). The chain is pulling them 'down' (负) and making them 'owe' (债).
Word Web
チャレンジ
Create sentences using 负债. 1. 公司有很多负债。(The company has a lot of liabilities.) 2. 他不想有负债。(He doesn't want to have debt.) 3. 减轻负债压力。(To alleviate debt pressure.)
実生活で練習する
実際の使用場面
Financial News
- 公司负债累累 (gōngsī fùzhài lěilěi) - The company is heavily in debt.
- 降低负债率 (jiàngdī fùzhài lǜ) - To reduce the debt ratio.
- 主权负债危机 (zhǔquán fùzhài wēijī) - Sovereign debt crisis.
Personal Finance
- 背负债务 (bēifù zhàiwù) - To carry debt.
- 家庭负债 (jiātíng fùzhài) - Household debt.
- 个人负债 (gèrén fùzhài) - Personal debt.
Business Management
- 资产与负债 (zīchǎn yǔ fùzhài) - Assets and liabilities.
- 管理负债 (guǎnlǐ fùzhài) - To manage debt.
- 债务重组 (zhàiwù chóngzǔ) - Debt restructuring.
Economic Discussions
- 国家负债 (guójiā fùzhài) - National debt.
- 全球负债 (quánqiú fùzhài) - Global debt.
- 负债增加 (fùzhài zēngjiā) - Debt increases.
Banking/Lending
- 高负债风险 (gāo fùzhài fēngxiǎn) - High debt risk.
- 负债能力 (fùzhài nénglì) - Debt capacity.
- 处理负债 (chǔlǐ fùzhài) - To handle debt.
会話のきっかけ
"你觉得个人负债高是好是坏？ (Nǐ juédé gèrén fùzhài gāo shì hǎo shì huài?) - Do you think high personal debt is good or bad?"
"你有没有关于如何有效管理负债的建议？ (Nǐ yǒu méiyǒu guānyú rúhé yǒuxiào guǎnlǐ fùzhài de jiànyì?) - Do you have any suggestions on how to effectively manage debt?"
"如果一个国家负债累累，会对经济有什么影响？ (Rúguǒ yīgè guójiā fùzhài lěilěi, huì duì jīngjì yǒu shénme yǐngxiǎng?) - If a country is heavily in debt, what impact will it have on the economy?"
"你认为现代社会中，人们负债的原因主要是什么？ (Nǐ rènwéi xiàndài shèhuì zhōng, rénmen fùzhài de yuányīn zhǔyào shì shénme?) - In modern society, what do you think are the main reasons people incur debt?"
"在投资时，你会考虑公司的负债情况吗？为什么？ (Zài tóuzī shí, nǐ huì kǎolǜ gōngsī de fùzhài qíngkuàng ma? Wèishénme?) - When investing, do you consider a company's debt situation? Why?"
日記のテーマ
描述一下你对“负债”的理解，以及它在你的生活中可能扮演的角色。(Miáoshù yīxià nǐ duì “fùzhài” de lǐjiě, yǐjí tā zài nǐ de shēnghuó zhōng kěnéng bànyǎn de juésè.) - Describe your understanding of 'debt' and the role it might play in your life.
如果你现在有大笔负债，你会如何制定一个还款计划？(Rúguǒ nǐ xiànzài yǒu dàbǐ fùzhài, nǐ huì rúhé zhìdìng yīgè huánkuǎn jìhuà?) - If you currently had a large amount of debt, how would you create a repayment plan?
思考一下，为了避免不必要的负债，你可以在日常生活中做出哪些改变？(Sīkǎo yīxià, wèile bìmiǎn bù bìyào de fùzhài, nǐ kěyǐ zài rìcháng shēnghuó zhōng zuò chū nǎxiē gǎibiàn?) - Think about what changes you could make in your daily life to avoid unnecessary debt.
写一篇短文，讨论负债对个人心理健康的影响。(Xiě yī piān duǎnwén, tǎolùn fùzhài duì gèrén xīnlǐ jiànkāng de yǐngxiǎng.) - Write a short essay discussing the impact of debt on personal mental health.
你认为社会对负债的态度是怎样的？这种态度是否公平？(Nǐ rènwéi shèhuì duì fùzhài de tàidù shì zěnyàng de? Zhè zhǒng tàidù shìfǒu gōngpíng?) - What do you think is society's attitude towards debt? Is this attitude fair?
自分をテスト 108 問
This means 'I have no debt.'
This means 'He has a lot of debt.'
This means 'Does the company have debt?'
Read this aloud:
我有负债。
Focus: fù zhài
あなたの回答：
Speech recognition is not supported in your browser. Try Chrome or Edge.
Read this aloud:
你有没有负债？
Focus: nǐ yǒu méi yǒu fù zhài
あなたの回答：
Speech recognition is not supported in your browser. Try Chrome or Edge.
Read this aloud:
这家公司没有负债。
Focus: zhè jiā gōng sī méi yǒu fù zhài
あなたの回答：
Speech recognition is not supported in your browser. Try Chrome or Edge.
公司有很多___。
The company has many liabilities/debts. '资产' means assets, '收入' means income, and '利润' means profit.
他因为___太多，所以很担心。
He is very worried because he has too much debt. '朋友' means friends, '时间' means time, and '钱' means money.
银行给他提供了贷款，但是也增加了他的___。
The bank provided him with a loan, but it also increased his debt. '机会' means opportunity, '压力' means pressure, and '经验' means experience.
这家小商店___很多，快要倒闭了。
This small shop has a lot of debt and is about to go out of business. '生意' means business, '顾客' means customers, and '商品' means goods.
我们应该努力工作，减少___。
We should work hard to reduce debt. '休息' means rest, '开销' means expenses, and '收入' means income.
买房子通常会带来很大的___。
Buying a house usually brings a lot of debt. '幸福' means happiness, '快乐' means joy, and '自由' means freedom.
Choose the correct word to complete the sentence: 公司有很多___。
The sentence means 'The company has a lot of liabilities/debt.' '负债' (fùzhài) is the correct word for liabilities/debt.
Which of these is a synonym for '负债'?
'债务' (zhàiwù) also means debt, and it's a common synonym for '负债'.
If someone has '负债', what might they need to do?
Having '负债' (debt) means you need to '还钱' (pay back money).
Having '负债' always means you are poor.
Having '负债' (debt/liabilities) doesn't always mean someone is poor. Companies and individuals can have liabilities for investments or large purchases, which is a normal part of financial management.
If a company has '负债', it means it owes money to others.
'负债' (liabilities/debt) indicates money or obligations that a company owes to other parties.
You can use '负债' to describe money you have saved in the bank.
'负债' (liabilities/debt) refers to money you owe, not money you have saved. Money saved in the bank is an asset.
He has a lot of liabilities.
The company is heavily in debt.
We should reduce our debts.
Read this aloud:
我没有负债。
Focus: fù zhài
あなたの回答：
Speech recognition is not supported in your browser. Try Chrome or Edge.
Read this aloud:
这个项目没有负债。
Focus: méi yǒu fù zhài
あなたの回答：
Speech recognition is not supported in your browser. Try Chrome or Edge.
Read this aloud:
他不想有任何负债。
Focus: bù xiǎng yǒu rèn hé fù zhài
あなたの回答：
Speech recognition is not supported in your browser. Try Chrome or Edge.
Write a sentence using '负债' to talk about a company having a lot of debt.
Well written! Good try! Check the sample answer below.
Sample answer
这家公司有很多负债。
Imagine your friend is worried about debt. Write a simple sentence to say they have debt.
Well written! Good try! Check the sample answer below.
Sample answer
我的朋友有负债。
You are learning about managing money. Write a sentence saying that having too much debt is not good.
Well written! Good try! Check the sample answer below.
Sample answer
有太多负债不好。
为什么他有一些负债？
Read this passage:
他买了一辆新车，所以现在他有一些负债。他需要努力工作来还钱。
为什么他有一些负债？
文章中提到他买了一辆新车，所以现在有负债。
文章中提到他买了一辆新车，所以现在有负债。
这家公司的负债现在怎么样了？
Read this passage:
这家公司去年有很多负债，但是今年他们赚了钱，所以负债减少了。
这家公司的负债现在怎么样了？
文章中提到“负债减少了”。
文章中提到“负债减少了”。
小王担心什么？
Read this passage:
小王想开一家小店，但是他担心会有很多负债。他的朋友建议他先存钱。
小王担心什么？
文章中明确提到“他担心会有很多负债”。
文章中明确提到“他担心会有很多负债”。
This sentence means 'He has a lot of debt.' The correct order is subject, verb, and object.
This sentence means 'The company's liabilities are high.' The correct order shows possession followed by the noun and then the adjective.
This sentence means 'We have no debt.' The correct order is subject, negation, and object.
公司有很高的___，这让投资者很担心。
The sentence talks about a company having something high that makes investors worried. '负债' (debt/liabilities) fits this context, as high debt is often a concern for investors. '收入' (income), '资产' (assets), and '利润' (profit) would generally not be things that cause worry when high.
他因为欠银行很多钱，所以背负着沉重的___。
The sentence states he owes a lot of money to the bank, indicating he has a significant '负债' (debt). While '负担' (burden) is related, '负债' specifically refers to financial debt. '责任' (responsibility) and '义务' (obligation) are not directly about owing money.
这家小商店最近破产了，因为它的___太大了。
A small shop going bankrupt is usually due to financial problems, and large '负债' (debt) is a common cause. '客户' (customers), '销售' (sales), or '员工' (employees) would not typically be the direct reason for bankruptcy when described as 'too big' in this context.
如果你有很多欠别人的钱，那么你有很多负债。
This statement is true. '负债' (liabilities/debt) refers to money owed to others.
公司有负债通常意味着它非常成功并且赚了很多钱。
This statement is false. While some debt can be managed, having significant '负债' (debt) often indicates financial risk or instability, not necessarily success or high earnings.
个人负债是指一个人欠银行、朋友或信用卡公司的钱。
This statement is true. '个人负债' (personal debt) refers to money an individual owes to various entities like banks, friends, or credit card companies.
The company has a lot of...
He doesn't want to have any...
This job makes me feel a lot of...
Read this aloud:
我没有负债。
Focus: fù zhài
あなたの回答：
Speech recognition is not supported in your browser. Try Chrome or Edge.
Read this aloud:
请问你有负债吗？
Focus: nǐ yǒu fù zhài ma
あなたの回答：
Speech recognition is not supported in your browser. Try Chrome or Edge.
Read this aloud:
我们应该避免增加负债。
Focus: bìmiǎn zēngjiā fùzhài
あなたの回答：
Speech recognition is not supported in your browser. Try Chrome or Edge.
You borrowed money from a friend to start a small business. Write a short message to your friend explaining that you still have some '负债' to pay back. Mention you are working hard to clear it.
Well written! Good try! Check the sample answer below.
Sample answer
你好！谢谢你之前借钱给我开生意。我现在还有一点负债，但我正在努力工作，希望能尽快还清。感谢你的理解！
Imagine you are explaining to a family member why a certain company is not doing well. One reason is that it has too much '负债'. Write two sentences explaining this point.
Well written! Good try! Check the sample answer below.
Sample answer
这家公司现在不太好，因为它有太多的负债了。这样会影响公司的发展。
Describe a situation where someone might try to avoid having '负债'. What kind of decisions might they make?
Well written! Good try! Check the sample answer below.
Sample answer
为了避免有负债，有些人会选择多存钱，少花钱，尽量不借钱。他们会仔细考虑每一笔开销。
根据短文，小李的公司遇到了什么困难？
Read this passage:
小李的公司最近遇到了困难。因为经济环境不好，他们的收入减少了，但是银行贷款的负债却很多。如果不能尽快解决这些负债，公司可能会面临更大的问题。
根据短文，小李的公司遇到了什么困难？
短文中提到“收入减少了，但是银行贷款的负债却很多”，所以第三个选项是正确的。
短文中提到“收入减少了，但是银行贷款的负债却很多”，所以第三个选项是正确的。
根据短文，管理个人负债为什么很重要？
Read this passage:
很多人在买房或买车时都会有负债。虽然这是一种常见的现象，但是如果负债太多，就会给生活带来很大的压力。所以，管理好个人负债很重要。
根据短文，管理个人负债为什么很重要？
短文指出“如果负债太多，就会给生活带来很大的压力”，因此管理好负债是为了避免这种压力。
短文指出“如果负债太多，就会给生活带来很大的压力”，因此管理好负债是为了避免这种压力。
张先生为什么努力工作并节省开支？
Read this passage:
张先生一直努力工作，希望能早日还清他的所有负债。他认为没有负债的生活会更轻松，更自由。所以他每天都会节省开支，争取多存一些钱。
张先生为什么努力工作并节省开支？
短文明确提到“他希望能早日还清他的所有负债。他认为没有负债的生活会更轻松，更自由。”
短文明确提到“他希望能早日还清他的所有负债。他认为没有负债的生活会更轻松，更自由。”
公司面临巨大的___。
The sentence implies the company is facing a large financial burden, making '负债' (liabilities, debt) the most appropriate choice.
他因为欠下巨额___而破产了。
The context of bankruptcy suggests a large amount of '负债' (liabilities, debt).
银行评估了她的资产和___。
When a bank evaluates someone's financial situation, it considers both '资产' (assets) and '负债' (liabilities, debt).
为了减轻___，他们不得不出售一些房产。
Selling property is a common way to reduce '负债' (liabilities, debt).
国家财政面临沉重___。
A country's finances often face '负债' (liabilities, debt), which can be a heavy burden.
个人理财的关键在于管理好自己的资产和___。
Effective personal finance involves managing both '资产' (assets) and '负债' (liabilities, debt).
公司面临巨大的___，不得不考虑裁员。
The sentence indicates a negative financial situation requiring staff reduction, so 'debt' is the most appropriate choice.
她背负着沉重的___，生活压力很大。
Here, '债务' (debt) is a more specific and fitting term for financial obligations that cause significant life pressure compared to 'burden' which can be more general.
银行贷款属于企业的哪种类型？
Bank loans are obligations that a company must repay, thus they are considered liabilities.
一个健康的经济体，其公司的负债率应该很高。
Generally, a healthy economy and company would aim for a manageable or lower debt ratio, not a high one, to avoid financial risk.
个人可以通过信用卡产生负债。
Using a credit card creates a financial obligation that needs to be paid back, which is a form of debt.
公司有负债就意味着公司一定会破产。
Companies often have liabilities as part of their normal operations (e.g., loans for expansion). Having debt does not automatically mean bankruptcy; it depends on the ability to manage and repay that debt.
The company is heavily in debt, and its future is worrying. What's the main problem with the company?
He accumulated huge debts because of gambling. What was the cause of his debt?
Buying property might increase your liabilities. What might increase your liabilities?
Read this aloud:
我们应该避免过度负债。
Focus: 负债 (fù zhài)
あなたの回答：
Speech recognition is not supported in your browser. Try Chrome or Edge.
Read this aloud:
这家公司面临巨大的负债压力。
Focus: 压力 (yā lì)
あなたの回答：
Speech recognition is not supported in your browser. Try Chrome or Edge.
Read this aloud:
她一直努力偿还所有负债。
Focus: 偿还 (cháng huán)
あなたの回答：
Speech recognition is not supported in your browser. Try Chrome or Edge.
This sentence describes a company heavily in debt and facing bankruptcy. The structure follows a subject-verb-object pattern.
This sentence explains that he took on heavy debt to buy a house. '为了' means 'in order to' and '背负了' means 'bore the burden of'.
This sentence emphasizes the importance of managing personal debt for financial health. '至关重要' means 'extremely important'.
你认为个人负债过多会带来哪些问题？请写下你的看法，并提出至少两种避免负债过多的方法。
Well written! Good try! Check the sample answer below.
Sample answer
我认为个人负债过多会导致巨大的心理压力和生活质量下降。长期来看，过高的负债会限制个人财务自由，使其难以应对突发情况或实现长期目标。为了避免负债过多，首先要做好详细的个人财务规划，量入为出，避免冲动消费。其次，可以考虑增加收入来源，或者通过投资理财来增加资产，从而减轻负债负担。
请描述一家公司负债累累可能面临的困境，以及在这种情况下它可能采取的措施。
Well written! Good try! Check the sample answer below.
Sample answer
一家公司如果负债累累，可能会面临资金链断裂、无法按时偿还债务的困境，这会严重影响其日常运营。此外，市场对其的信心也会大幅下降，融资变得更加困难，甚至可能导致破产。在这种情况下，公司可能会采取多种措施，例如债务重组、出售非核心资产、寻求新的战略投资者进行融资，或者通过裁员和削减开支来降低运营成本。
你的朋友因为投资失败而背负了沉重的负债，你该如何安慰他并给他提供一些建议？
Well written! Good try! Check the sample answer below.
Sample answer
亲爱的朋友，我知道你现在一定非常难过和焦虑。投资失败是很不幸，但这不是世界末日。首先，请你一定要保持冷静，不要做出任何冲动的决定。我们会一起面对这个问题。我们可以先详细分析你的财务状况，看看有哪些可以削减的开支，或者有没有其他的收入来源。然后，我们可以一起研究一下是否有与债权人协商延期还款的可能性，或者寻求专业的财务咨询。无论如何，我都会在你身边支持你，我们一起想办法度过难关。
根据这段文字，导致政府负债规模扩大的一个可能原因是什么？
Read this passage:
在全球经济不确定性增加的背景下，许多国家的政府和企业都面临着沉重的负债压力。政府为了刺激经济增长，可能会增加财政支出，导致国债规模扩大；企业则可能因为市场需求下降和运营成本上升而负债累累。这种状况对全球经济的稳定构成了潜在威胁，需要国际社会共同努力寻找解决方案。
根据这段文字，导致政府负债规模扩大的一个可能原因是什么？
原文中提到“政府为了刺激经济增长，可能会增加财政支出，导致国债规模扩大”，因此刺激经济增长是政府负债扩大的一个原因。
原文中提到“政府为了刺激经济增长，可能会增加财政支出，导致国债规模扩大”，因此刺激经济增长是政府负债扩大的一个原因。
小王为了解决负债问题采取了哪些措施？
Read this passage:
小王最近发现自己信用卡负债累累，每个月光是还款利息就让他喘不过气。他决定痛下决心改变这种状况。首先，他制定了详细的预算，严格控制日常开支；其次，他开始寻找兼职工作，增加收入；最重要的是，他咨询了专业的理财顾问，希望能找到更有效的债务管理方案。
小王为了解决负债问题采取了哪些措施？
文章明确指出小王采取了“制定了详细的预算，严格控制日常开支；其次，他开始寻找兼职工作，增加收入；最重要的是，他咨询了专业的理财顾问”这些措施。
文章明确指出小王采取了“制定了详细的预算，严格控制日常开支；其次，他开始寻找兼职工作，增加收入；最重要的是，他咨询了专业的理财顾问”这些措施。
文章提到政府和金融机构推行政策的主要目的是什么？
Read this passage:
金融危机后，许多家庭的负债水平居高不下，这不仅影响了他们的消费能力，也使得银行面临更大的坏账风险。政府和金融机构正积极推行各项政策，旨在帮助民众减轻负债，同时防范系统性金融风险。例如，通过提供低息贷款、债务重组等方式来缓解个人和企业的还款压力。
文章提到政府和金融机构推行政策的主要目的是什么？
原文指出“旨在帮助民众减轻负债，同时防范系统性金融风险”，减轻负债与提高消费能力相关，因此选B。
原文指出“旨在帮助民众减轻负债，同时防范系统性金融风险”，减轻负债与提高消费能力相关，因此选B。
This sentence discusses a company's liabilities leading to potential bankruptcy. The order builds from 'this company's' to 'liabilities too high' to 'may lead to bankruptcy.'
The sentence describes someone bearing a large amount of debt and experiencing great life pressure. 'He' (他) is the subject, followed by 'bearing' (背负着) 'huge debt' (巨额负债), and then the consequence 'life pressure is great' (生活压力很大).
This sentence explains that the government is working hard to reduce public debt to stabilize the economy. It starts with the subject 'government' (政府), then 'is currently working hard to reduce' (正在努力削减) 'public liabilities' (公共负债), and finally the purpose 'in order to stabilize the economy' (以稳定经济).
公司面临巨大的___，不得不裁员以削减开支。
Contextually, a company facing a large financial burden that leads to layoffs is best described by '负债' (liabilities/debt). '盈利' means profit, '资产' means assets, and '存款' means deposits.
购买房产往往意味着承担长期的___。
Buying property usually involves a long-term financial obligation, which '负债' (debt) accurately describes. '福利' means welfare, '收入' means income, and '投资' means investment.
为了偿还高额___，他不得不加班加点地工作。
To pay off a large amount of money owed, '贷款' (loan), which is a form of debt, is the most appropriate word. '存款' means savings, '奖励' means reward, and '股票' means stock.
这家初创公司因前期投入过大，导致___累累。
A startup with excessive initial investment would likely accumulate '债务' (debts). '利润' means profit, '资金' means capital, and '资产' means assets.
国家经济下滑，个人___水平普遍上升。
In an economic downturn, it's common for individual '负债' (debt) levels to increase. '消费' means consumption, '收入' means income, and '储蓄' means savings.
银行评估客户的还款能力时，会重点考虑其___状况。
When assessing repayment ability, banks primarily consider a client's '信用' (credit) status, which includes their debt history. '健康' means health, '教育' means education, and '婚姻' means marriage.
This company faces huge liabilities, which could lead to bankruptcy.
To lighten their financial burden, they decided to repay all liabilities early.
Although he has many assets, his liabilities are equally astonishing.
Read this aloud:
请你用“负债”造一个句子，描述一个国家经济面临的挑战。
Focus: fù zhài
あなたの回答：
Speech recognition is not supported in your browser. Try Chrome or Edge.
Read this aloud:
你认为个人过度负债会带来哪些社会问题？
Focus: fù zhài
あなたの回答：
Speech recognition is not supported in your browser. Try Chrome or Edge.
Read this aloud:
如何才能有效管理和减少企业的负债？
Focus: fù zhài
あなたの回答：
Speech recognition is not supported in your browser. Try Chrome or Edge.
This sentence discusses how excessive corporate debt can impact solvency. The structure follows a typical subject-verb-object pattern in Chinese.
This sentence describes a lifelong struggle to escape heavy debt. '摆脱' (bǎituō) means 'to get rid of' or 'to shake off'.
This sentence emphasizes the importance of debt management in personal finance. '一环' (yīhuán) means 'a link' or 'a part'.
/ 108 correct
Perfect score!
例文
公司负债累累。
関連コンテンツ
businessの関連語
本事
A2Skill; ability; capability.
相应地
B1Correspondingly.
账号
A2account (e.g., bank, online)
客户经理
A2account manager
账户
B1A record of financial transactions for an individual or business, usually at a bank; or a user profile for a digital service.
会计
A2accounting, accountant
收购
B1To purchase; to acquire (a company).
商业活动
A2Business activity.
广告费
A2Advertising expenses.
调整
B1To change something slightly in order to make it more correct, effective, or suitable.
