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die Solvenz

B1 noun #9,500 가장 일반적인 9분 분량

die Solvenz

상위 9,500

연습하기 예시 노트와 팁 die Solvenz 30초 만에

설명 die Solvenz in your Level:

At the A1 level, you do not really need the word 'die Solvenz'. It is a very formal word. Instead, you should focus on simple ways to say you have money. For example, 'Ich habe Geld' (I have money) or 'Ich kann bezahlen' (I can pay). You might learn the word 'teuer' (expensive) or 'billig' (cheap). Think of 'Solvenz' as the very professional version of 'having enough money to pay for things'. Even though you won't use it, knowing that it exists as a formal term for 'money health' is a good first step. In A1, we focus on the basics of survival and simple transactions. You might hear a bank clerk use it, but they would likely simplify it for you. Just remember: Solvenz = Money power. It is a long word for a simple idea: being able to pay what you owe. If you see it in a text, just think: 'Okay, this is about whether someone is rich enough to pay their bills.' You don't need to worry about the complex grammar yet. Just know it is a feminine noun ('die'). This will help you later when you move to higher levels. At this stage, focus on 'bezahlen' (to pay) and 'das Geld' (the money). If you encounter 'Solvenz', just treat it as a synonym for 'Zahlungsfähigkeit' (ability to pay).

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At the A2 level, you are starting to deal with more specific situations like going to the bank or renting an apartment. While 'die Solvenz' is still quite formal, you might see it on a form or in a contract. It means 'solvency' or the 'ability to pay debts'. If you are looking for a flat in Germany, the landlord might want to know if you are 'solvent' (the adjective form). They want to be sure you can pay the rent every month. In A2, you should recognize that 'die Solvenz' is a noun and 'solvent' is the adjective. You can say 'Die Firma ist solvent' (The company is solvent). This is a great word to use if you want to sound more serious in a business context. You might also hear it on the news when they talk about big companies. It is better than just saying 'sie haben Geld'. It sounds more professional. You should also start noticing the gender: 'die Solvenz'. If you learn it now, B1 will be much easier. Try to remember it by connecting it to 'bezahlen'. If you have 'Solvenz', you can 'bezahlen'. It's that simple! You might also learn the opposite word 'Insolvenz', which means a company is broke. Knowing these two words together helps you remember them both.

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At the B1 level, 'die Solvenz' becomes a very useful word, especially if you are working in an office or interested in the news. You are now expected to understand more abstract concepts. 'Solvenz' is not just about having cash; it's about your overall financial situation. For example, if you have a house worth 500,000 euros but you owe 200,000 euros, you are solvent because your assets are greater than your debts. In B1, you should be able to use this word in sentences like 'Die Bank prüft die Solvenz des Kunden' (The bank checks the customer's solvency). You will see it in newspapers when they discuss the economy. It is a key term for 'Business German'. You should also learn common combinations like 'mangelnde Solvenz' (lack of solvency) or 'die Solvenz garantieren' (to guarantee solvency). This word helps you move away from simple A1/A2 descriptions and into more precise, professional language. When you talk about a business partner, saying they have 'gute Solvenz' sounds much better than saying 'sie sind reich'. It shows you understand the technical side of business. You should also be comfortable with the genitive case by now, so try saying 'Die Prüfung der Solvenz' (The check of the solvency).

At the B2 level, you should be using 'die Solvenz' with confidence in formal writing and discussions. You understand that it is a technical term used in finance and law. You can distinguish it from 'Liquidität' (liquidity). Liquidität is having cash *right now*, while Solvenz is the long-term ability to pay. A company can be solvent but have a liquidity problem if all its money is tied up in stock. At B2, you should also be familiar with the adjective 'solvent' and how it is used in professional assessments. You might participate in a debate about 'Staatssolvenz' (state solvency) or the 'Solvenz der Rentenversicherung' (solvency of the pension insurance). You should be able to explain *why* someone is solvent or not using complex sentences. For example: 'Aufgrund der hohen Verschuldung ist die Solvenz des Unternehmens langfristig gefährdet' (Due to high debt, the company's solvency is endangered in the long term). You should also know synonyms like 'Zahlungsfähigkeit' and 'Bonität' and when to use each. This level requires you to handle the word in various grammatical roles, including as part of prepositional phrases like 'Zweifel an der Solvenz äußern' (to express doubts about solvency).

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At the C1 level, you are expected to have a nuanced understanding of 'die Solvenz' within specialized contexts like 'Insolvenzrecht' (insolvency law) or 'Wirtschaftswissenschaften' (economics). You should know that 'Solvenz' is a structural metric. You can discuss the 'Solvenzquote' (solvency ratio) of insurance companies or the 'Solvabilitätsverordnung' (solvency regulation). At this level, you don't just use the word; you analyze it. You might write an essay on how global market fluctuations affect the 'Solvenz von Schwellenländern' (solvency of emerging markets). You should be comfortable with high-level collocations like 'die Solvenz wiederherstellen' (to restore solvency) or 'die Solvenz untergraben' (to undermine solvency). Your vocabulary should include related terms like 'Bilanzüberschuldung' and 'Zahlungseinstellung'. You understand that 'Solvenz' is a prerequisite for 'Kreditwürdigkeit' and can explain the legal implications of a 'Solvenzprüfung'. In a professional setting, you could lead a meeting discussing the 'Solvenzrisiken' of a new investment. The word is no longer just a vocabulary item; it is a tool for professional analysis and high-level communication. You should also be aware of the historical and Latin roots, which helps in understanding other related European languages.

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At the C2 level, your mastery of 'die Solvenz' is near-native. You understand its role in complex financial instruments and international law. You can discuss the 'Solvenz' of a central bank or the implications of 'Staatsbankrott' on global 'Solvenz-Netzwerke'. You are familiar with the 'Solvency II' framework in the EU and can debate its pros and cons in German. Your use of the word is precise and context-aware. You might use it metaphorically in very high-level literature or political commentary to describe the 'moralische Solvenz' (moral solvency) of a society, although this is rare. You can effortlessly switch between 'Solvenz', 'Zahlungsfähigkeit', and 'Liquidität' to convey exact meanings in a legal brief or a financial audit. You understand the historical evolution of the term from Roman law to modern accounting standards. In a C2 context, you might be reading academic papers where 'Solvenz' is defined through mathematical models and 'Stresstests'. You are capable of explaining these concepts to others in German, using the word as a cornerstone of your economic vocabulary. There are no grammatical hurdles left; you use the genitive and complex prepositional structures perfectly. Your understanding is both broad and deep, covering every possible nuance of the term.

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연습하기 예시 노트와 팁

die Solvenz 30초 만에

Die Solvenz describes the long-term ability to pay debts and maintain financial health.
It is a formal, feminine noun used primarily in business, banking, and legal contexts.
Unlike liquidity, solvency focuses on total assets versus total liabilities over time.
Common synonyms include Zahlungsfähigkeit and Bonität, while the opposite is Insolvenz.

The German noun die Solvenz is a technical and formal term derived from the Latin root 'solvere', which literally means 'to loosen' or 'to release'. In a financial context, this 'loosening' refers to the settlement of debts or the release of an obligation through payment. When we talk about die Solvenz, we are describing a state of long-term financial health where an individual, a company, or even a nation possesses more assets than liabilities. It is the fundamental ability to meet financial commitments as they fall due over a sustained period. This word is indispensable in the worlds of banking, law, and corporate management. While a layperson might simply say 'jemand hat Geld' (someone has money), a professional or a news anchor will use Solvenz to imply a structural stability. It is not just about having cash in your pocket today—that is Liquidität—but rather about the overall capacity of your financial structure to survive and pay off what is owed. In Germany, a country that prides itself on fiscal discipline and the 'Schuldenbremse' (debt brake), the concept of Solvenz is treated with high regard. If a company's Solvenz is questioned, it often leads to immediate investigations by creditors or regulatory bodies like BaFin. You will encounter this word most frequently in annual reports, credit applications, and legal discussions regarding 'Insolvenzrecht' (insolvency law). Understanding this word is crucial for B1 learners and above because it marks the transition from basic 'shopping' German to professional 'business' German.

Financial Stability: The state of being solvent indicates that an entity is not just surviving but is structurally sound enough to honor its long-term promises.

Die Bank prüft gründlich die Solvenz des neuen Unternehmens, bevor sie den Kredit bewilligt.

Legal Context: In German law, the loss of solvency is the trigger for mandatory insolvency filings to protect creditors from further losses.

Ohne die Solvenz der Partnerfirmen ist das gesamte Projekt gefährdet.

Etymological Root: The Latin 'solvere' also gives us the English word 'solve'. Being solvent means you have 'solved' your financial obligations.

Ein Gutachter muss die Solvenz des Käufers offiziell bestätigen.

Trotz der Krise blieb die Solvenz des Staates zu jedem Zeitpunkt außer Frage.

Die Aktionäre sorgen sich um die Solvenz der Bank nach den jüngsten Verlusten am Aktienmarkt.

Using die Solvenz correctly requires an understanding of German sentence structure and the specific verbs that pair with financial terms. Since it is a noun, it often appears as the subject or object of a sentence. For example, 'Die Solvenz ist garantiert' (Solvency is guaranteed). However, more sophisticated usage involves the genitive case or prepositional phrases. You will frequently see 'Zweifel an der Solvenz' (doubts about the solvency), where 'an' takes the dative case. When discussing the solvency of a specific entity, the genitive is preferred: 'Die Solvenz des Kunden' (The solvency of the customer). In business reports, you might find sentences like 'Wir müssen die Solvenz unserer Lieferanten kontinuierlich überwachen' (We must continuously monitor the solvency of our suppliers). Note how the verb 'überwachen' (to monitor) works perfectly with this abstract noun. Other useful verbs include 'sicherstellen' (to ensure), 'belegen' (to prove/document), and 'gefährden' (to endanger). If you are writing a formal letter to a bank, you might say, 'Hiermit bestätigen wir die Solvenz unseres Mandanten' (We hereby confirm the solvency of our client). It is also important to distinguish between the noun and the adjective 'solvent'. While you say 'Er ist solvent', you would say 'Seine Solvenz ist beeindruckend'. In complex sentences, die Solvenz can be the core of a subordinate clause: 'Es ist wichtig, dass die Solvenz gewahrt bleibt' (It is important that solvency remains maintained).

Genitive Usage: Using the genitive 'der Solvenz' or 'des [Noun] Solvenz' adds a layer of professional polish to your German.

Die Aufrechterhaltung der Solvenz hat für den Vorstand oberste Priorität.

Prepositional Phrases: Common prepositions used with this word include 'an' (about/at), 'für' (for), and 'wegen' (because of).

Wegen mangelnder Solvenz wurde der Vertrag fristlos gekündigt.

Verbal Collocations: Verbs like 'wiederherstellen' (to restore) or 'nachweisen' (to prove) are essential for discussing financial recovery.

Können Sie die Solvenz Ihres Bürgen durch Dokumente belegen?

Die Regierung ergreift Maßnahmen, um die Solvenz der Sozialkassen zu sichern.

Ein Mangel an Solvenz führt oft direkt in das Insolvenzverfahren.

You will rarely hear die Solvenz at a grocery store or in a casual chat over coffee. Instead, this word lives in the 'Tagesschau' (the main evening news), in the business section of 'Der Spiegel', or in the corridors of a 'Finanzamt' (tax office). It is a word of the elite financial and legal discourse. If you are watching a documentary about the 2008 financial crisis or the Euro crisis, you will hear experts debating the 'Solvenz der Euro-Staaten'. In a corporate setting, during a 'Quartalsbericht' (quarterly report), the CFO might mention that the company's solvency remains 'unangetastet' (untouched) despite market volatility. Banks use it when discussing 'Kreditwürdigkeit' (creditworthiness); while they might use simpler terms with a private customer, their internal risk assessment documents will definitely use Solvenz. Another common place is in the 'Immobilienbranche' (real estate industry). Before renting a high-end apartment or buying property, the 'Makler' (agent) might require a 'Bonitätsprüfung', which is a check on your solvency. In legal dramas or news coverage of corporate scandals (like the Wirecard scandal), the word is used to describe the moment a company can no longer hide its lack of assets. It is a 'hard' word—it signals that the conversation has moved from general possibilities to concrete financial realities.

Media and News: News anchors use it to discuss the health of the national economy or large corporations.

In den Nachrichten wurde heute über die Solvenz mehrerer Regionalbanken spekuliert.

Banking and Credit: Loan officers use it to describe the risk profile of a borrower.

Der Bankberater betonte, dass die Solvenz des Antragstellers das wichtigste Kriterium sei.

Corporate Governance: Board members discuss solvency to ensure the company's long-term survival.

Die Geschäftsführung muss jährlich einen Bericht über die Solvenz vorlegen.

Ohne den Nachweis der Solvenz erhalten wir keine Baugenehmigung für dieses Großprojekt.

Analysten bezweifeln die Solvenz des Versicherungskonzerns nach den Naturkatastrophen.

One of the most frequent mistakes English speakers make is confusing die Solvenz with 'die Liquidität'. While they are related, they are not interchangeable. 'Liquidität' refers to having cash available right now to pay immediate bills. Solvenz is the broader, long-term ability to pay all debts. You can be solvent (having more assets than debts) but illiquid (your money is tied up in buildings and you have no cash). Another common error is using the wrong gender. Since it ends in '-enz', it is always feminine. Learners often mistakenly say 'der Solvenz' or 'das Solvenz'. Furthermore, avoid using Solvenz in very informal settings. Saying 'Meine Solvenz reicht nicht für dieses Bier' (My solvency isn't enough for this beer) sounds like a joke or a very stiff, robotic way of speaking. Use 'Ich habe kein Geld' or 'Ich bin pleite' instead. Also, be careful with the plural. Although dictionaries might list a plural form, it is practically never used in German. Stick to the singular. Lastly, don't confuse Solvenz with 'Bonität'. 'Bonität' is your credit rating or reputation as a borrower, which is based on your Solvenz but also includes your payment history and reliability.

Solvenz vs. Liquidität: Solvenz is long-term total health; Liquidität is short-term cash availability.

Falsch: Das Unternehmen hat keine Solvenz, um heute die Gehälter zu zahlen. (Richtig wäre: Liquidität)

Register Errors: Using this word with friends makes you sound like a textbook or a lawyer. Keep it for business and formal writing.

Richtig: Wir prüfen die Solvenz des Mieters. (Formal context)

Confusion with Bonität: Bonität is a 'rating' (like a Schufa score), while Solvenz is the underlying 'state'.

Die Bank verlangt einen Beweis für die Solvenz, um eine gute Bonität zu bescheinigen.

Man darf die Solvenz nicht mit dem bloßen Kontostand verwechseln.

Nur weil man Bargeld hat, ist die Solvenz noch lange nicht langfristig gesichert.

When you want to vary your vocabulary, there are several alternatives to die Solvenz, each with its own nuance. The most common synonym is die Zahlungsfähigkeit. This is a more 'Germanic' word and is often used interchangeably with Solvenz in both formal and semi-formal contexts. If you want to sound slightly more technical, you might use die Solvabilität, though this is primarily used in the insurance industry (e.g., Solvency II regulations). Die Bonität is another close relative, focusing on creditworthiness and the likelihood of repayment. For a more general sense of financial power, die Finanzkraft or die Kapitalstärke are excellent choices. On the opposite end, the antonym is die Insolvenz or die Zahlungsunfähigkeit. In a legal sense, die Überschuldung is a specific type of lack of solvency where debts exceed assets. Understanding these distinctions helps you navigate German financial news with ease.

Solvenz vs. Zahlungsfähigkeit: Solvenz sounds more international and professional; Zahlungsfähigkeit is the standard German term.

Solvenz vs. Bonität: Solvenz is the ability to pay; Bonität is the credit rating based on that ability.

Solvenz vs. Finanzkraft: Finanzkraft implies a surplus of money and power, while Solvenz just implies meeting obligations.

Anstatt die Solvenz zu sagen, können Sie auch 'die Zahlungsfähigkeit' verwenden, um weniger akademisch zu klingen.

Die Solvenz ist das Ziel, die Insolvenz ist das Ende.

Experten nutzen oft den Begriff 'Solvabilität', wenn sie über Versicherungen sprechen.

Die Kreditwürdigkeit ist eng mit der Solvenz verknüpft.

How Formal Is It?

재미있는 사실

The word 'solvent' in chemistry (a substance that dissolves another) comes from the exact same Latin root 'solvere'. Just as a financial solvent 'dissolves' a debt, a chemical solvent 'dissolves' a solid!

발음 가이드

UK /zɔlˈvɛnt͡s/

US /zɔlˈvɛnt͡s/

Second syllable (sol-VENZ)

라임이 맞는 단어

die Differenz die Existenz die Intelligenz die Konferenz die Frequenz die Konsequenz die Tendenz die Residenz

자주 하는 실수

Pronouncing the initial 's' as a voiceless 's' (like 'snake'). It should be voiced.
Putting the stress on the first syllable.
Pronouncing the 'v' like a 'w'. It should be a 'v' sound like in 'victory'.
Mixing up the 'z' sound at the end with a soft 's'. It should be a crisp 'ts' sound.
Shortening the 'e' in 'venz' too much.

난이도

독해 4/5

Common in news and formal texts, easy to recognize from English.

쓰기 6/5

Requires knowledge of genitive and formal collocations.

말하기 7/5

Rare in daily speech; sounds very formal if overused.

듣기 5/5

Easy to hear in financial reports or news.

다음에 무엇을 배울까

선수 학습

das Geld bezahlen die Bank die Firma schulden

다음에 배울 것

die Liquidität die Insolvenz die Bonität die Bilanz die Verschuldung

고급

die Solvabilität die Kreditwürdigkeit die Rentabilität die Eigenkapitalquote

알아야 할 문법

Nouns ending in -enz are feminine.

die Solvenz, die Differenz, die Existenz

Genitive case for possession/belonging.

Die Solvenz des Kunden (The customer's solvency)

Preposition 'an' with dative for 'doubts about'.

Zweifel an der Solvenz

Preposition 'wegen' takes the genitive in formal German.

Wegen mangelnder Solvenz

Adjective endings after 'die' (definite article).

Die gute Solvenz

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수준별 예문

Hat die Firma genug Geld? Ja, die Solvenz ist gut.

Does the company have enough money? Yes, the solvency is good.

Simple subject-verb-adjective structure.

Die Solvenz ist wichtig für die Bank.

Solvency is important for the bank.

Use of the feminine article 'die'.

Ich kenne das Wort Solvenz.

I know the word solvency.

Direct object in the accusative case.

Seine Solvenz ist kein Problem.

His solvency is no problem.

Possessive determiner 'seine' matching the feminine 'Solvenz'.

Ist die Solvenz sicher?

Is the solvency secure?

Interrogative sentence structure.

Ohne Solvenz gibt es keinen Kredit.

Without solvency, there is no credit.

Preposition 'ohne' takes the accusative.

Die Solvenz hilft der Firma.

Solvency helps the company.

Verb 'helfen' takes the dative 'der Firma'.

Danke für die Information über die Solvenz.

Thanks for the information about the solvency.

Preposition 'über' takes the accusative here.

Der Vermieter prüft die Solvenz der neuen Mieter.

The landlord checks the solvency of the new tenants.

Genitive plural 'der neuen Mieter'.

Wir müssen über Ihre Solvenz sprechen.

We need to talk about your solvency.

Formal 'Ihre' referring to the feminine noun.

Eine gute Solvenz ist die Basis für Erfolg.

Good solvency is the basis for success.

Adjective 'gut' gets the '-e' ending for feminine nominative.

Die Firma verliert ihre Solvenz.

The company is losing its solvency.

Possessive 'ihre' referring to 'die Firma'.

Können Sie Ihre Solvenz beweisen?

Can you prove your solvency?

Modal verb 'können' with infinitive at the end.

Wegen der Solvenz gab es keine Sorgen.

Because of the solvency, there were no worries.

Preposition 'wegen' with genitive 'der Solvenz'.

Die Bank fragt nach der Solvenz.

The bank asks about the solvency.

Preposition 'nach' always takes the dative.

Sie hat eine hohe Solvenz.

She has a high solvency.

Adjective 'hoch' with feminine accusative ending '-e'.

Die Solvenz des Unternehmens ist durch den neuen Investor gesichert.

The company's solvency is secured by the new investor.

Passive voice with 'ist gesichert'.

Es gibt begründete Zweifel an der Solvenz des Käufers.

There are justified doubts about the buyer's solvency.

Prepositional phrase 'an der Solvenz' in dative.

Um die Solvenz zu erhalten, müssen wir Kosten sparen.

To maintain solvency, we must save costs.

Infinitivsatz with 'um...zu'.

Die Solvenz ist ein entscheidendes Kriterium für die Kreditvergabe.

Solvency is a decisive criterion for granting credit.

Compound noun 'Kreditvergabe'.

Trotz der Krise blieb die Solvenz der Bank stabil.

Despite the crisis, the bank's solvency remained stable.

Preposition 'trotz' with genitive.

Wir fordern einen offiziellen Nachweis der Solvenz.

We demand official proof of solvency.

Genitive 'der Solvenz' following 'Nachweis'.

Die Solvenz lässt sich durch die Bilanz prüfen.

Solvency can be checked through the balance sheet.

Reflexive 'lässt sich' as a passive alternative.

Mangelnde Solvenz führt oft zur Insolvenz.

Lack of solvency often leads to insolvency.

Present participle 'mangelnd' used as an adjective.

Die Aufrechterhaltung der Solvenz erfordert strikte finanzielle Disziplin.

Maintaining solvency requires strict financial discipline.

Nominalization 'Aufrechterhaltung' with genitive.

Die Solvenz wurde durch unvorhergesehene Marktschwankungen gefährdet.

Solvency was endangered by unforeseen market fluctuations.

Vorgangspassiv with 'wurde gefährdet'.

Ein Gutachter bestätigte die langfristige Solvenz der Versicherung.

An expert confirmed the long-term solvency of the insurance company.

Adjective 'langfristig' modifying 'Solvenz'.

Bei Zweifeln an der Solvenz sollte man keine Vorauszahlungen leisten.

In case of doubts about solvency, one should not make advance payments.

Conditional 'bei' with dative.

Die Solvenz ist nicht mit der Liquidität gleichzusetzen.

Solvency is not to be equated with liquidity.

Infinitive with 'zu' as a passive replacement.

Die Aktionäre fordern Transparenz bezüglich der Solvenz.

The shareholders demand transparency regarding solvency.

Preposition 'bezüglich' with genitive.

Das Gesetz schreibt eine regelmäßige Prüfung der Solvenz vor.

The law prescribes a regular check of solvency.

Separable verb 'vorschreiben'.

Ohne die Solvenz des Mutterkonzerns wäre die Tochterfirma pleite.

Without the solvency of the parent company, the subsidiary would be broke.

Konjunktiv II 'wäre'.

Die Solvenz eines Staates hängt maßgeblich von seiner Steuerkraft ab.

A state's solvency depends significantly on its taxing power.

Separable verb 'abhängen' with 'von' + dative.

Die Einführung von Solvency II verschärfte die Anforderungen an die Solvenz von Versicherern.

The introduction of Solvency II tightened the requirements for the solvency of insurers.

Historical/Legal reference.

Es gilt, die Solvenz durch eine Umschuldung wiederherzustellen.

It is necessary to restore solvency through a debt restructuring.

Fixed expression 'Es gilt, ... zu'.

Die Solvenzprüfung ergab eine drohende Überschuldung.

The solvency audit revealed an imminent over-indebtedness.

Compound noun 'Solvenzprüfung'.

In Krisenzeiten rückt die Solvenz in den Mittelpunkt des öffentlichen Interesses.

In times of crisis, solvency moves into the center of public interest.

Idiomatic 'in den Mittelpunkt rücken'.

Die Solvenz ist die conditio sine qua non für das Vertrauen der Märkte.

Solvency is the condition sine qua non for market confidence.

Latin legal phrase 'conditio sine qua non'.

Man muss zwischen technischer und faktischer Solvenz unterscheiden.

One must distinguish between technical and factual solvency.

Adjectives 'technisch' and 'faktisch'.

Die Solvenz des Schuldners war zum Zeitpunkt des Vertragsschlusses bereits fragwürdig.

The debtor's solvency was already questionable at the time the contract was concluded.

Genitive 'des Schuldners'.

Die Erosion der Solvenz führte unweigerlich zur systemischen Instabilität.

The erosion of solvency inevitably led to systemic instability.

Metaphorical use of 'Erosion'.

Die Solvenzgarantie des Staates verhinderte einen massiven Bankrun.

The state's solvency guarantee prevented a massive bank run.

Compound noun 'Solvenzgarantie'.

Kritiker monieren, dass die Solvenzregeln zu prozyklischen Effekten führen.

Critics complain that the solvency rules lead to procyclical effects.

Elevated verb 'monieren'.

Die Solvenz ist das Fundament, auf dem das gesamte Kreditsystem fußt.

Solvency is the foundation on which the entire credit system is based.

Relative clause 'auf dem... fußt'.

Eine Rekapitalisierung war unumgänglich, um die Solvenz zu wahren.

Recapitalization was inevitable in order to preserve solvency.

Adjective 'unumgänglich'.

Die Solvenz der Sozialversicherungsträger ist ein Politikum erster Güte.

The solvency of social security providers is a political issue of the highest order.

Idiomatic 'Poltikum erster Güte'.

Analysten debattieren über die Tragfähigkeit der Solvenz unter extremen Stresstests.

Analysts debate the sustainability of solvency under extreme stress tests.

Abstract noun 'Tragfähigkeit'.

Die Solvenz wurde durch komplexe Derivategeschäfte künstlich verschleiert.

Solvency was artificially obscured through complex derivative transactions.

Adverb 'künstlich' and verb 'verschleiern'.

자주 쓰는 조합

die Solvenz prüfen

die Solvenz garantieren

mangelnde Solvenz

langfristige Solvenz

Zweifel an der Solvenz

die Solvenz nachweisen

die Solvenz gefährden

die Solvenz wiederherstellen

Bericht über die Solvenz

Sorgen um die Solvenz

자주 쓰는 구문

die Solvenz bescheinigen

— To officially certify that someone is solvent. Often done by banks or tax advisors.

Mein Steuerberater wird mir die Solvenz bescheinigen.

an der Solvenz zweifeln

— To have doubts about someone's ability to pay. This is a serious accusation in business.

Die Lieferanten beginnen, an der Solvenz der Kette zu zweifeln.

die Solvenz wahren

— To maintain or preserve solvency. A common goal for CFOs.

Wir müssen alle Hebel in Bewegung setzen, um die Solvenz zu wahren.

Nachweis der Solvenz

— Proof of solvency. Required for many large contracts or rentals.

Bitte reichen Sie den Nachweis der Solvenz bis Freitag ein.

Solvenz vorausgesetzt

— Assuming solvency. A conditional phrase used in business proposals.

Solvenz vorausgesetzt, können wir das Projekt starten.

die Solvenz untergraben

— To undermine solvency. Usually through bad management or market shifts.

Die hohen Zinsen untergraben die Solvenz der Haushalte.

die Solvenz sichern

— To secure or ensure solvency. Often involves getting new capital.

Der Verkauf der Tochterfirma soll die Solvenz sichern.

Fragen zur Solvenz

— Questions regarding solvency. Common in audits or investor meetings.

Es gab viele kritische Fragen zur Solvenz des Vorstands.

die Solvenz belegen

— To prove solvency with evidence. Similar to 'nachweisen'.

Die Dokumente belegen die Solvenz des Unternehmens eindeutig.

Solvenz und Liquidität

— The two pillars of financial health. Often mentioned together.

Wir müssen sowohl die Solvenz als auch die Liquidität im Auge behalten.

자주 혼동되는 단어

die Solvenz vs Liquidität

Liquidität is cash on hand; Solvenz is total assets vs. debts. You can be solvent but not liquid.

die Solvenz vs Bonität

Bonität is your credit rating (reputation); Solvenz is the actual ability to pay.

die Solvenz vs Insolvenz

Insolvenz is the state of being bankrupt; Solvenz is the healthy state of being able to pay.

관용어 및 표현

"auf tönernen Füßen stehen"

— To be on shaky ground. Often used when someone's solvency is fake or weak.

Die Solvenz dieser Firma steht auf tönernen Füßen.

figurative

"flüssig sein"

— To be liquid (have cash). The informal counterpart to being solvent.

Bist du gerade flüssig? Ich brauche fünf Euro.

informal

"tief in die Tasche greifen"

— To spend a lot of money. Shows that one has the solvency to do so.

Für dieses Projekt mussten wir tief in die Tasche greifen.

informal

"über den Berg sein"

— To be over the mountain (past the worst). Used after a solvency crisis is solved.

Nach dem Kredit sind wir finanziell über den Berg.

informal

"den Gürtel enger schnallen"

— To tighten one's belt. What you do when solvency is threatened.

Wir müssen den Gürtel enger schnallen, um solvent zu bleiben.

neutral

"aus dem Vollen schöpfen"

— To draw from plenty. To have high solvency and spend freely.

Dank der Erbschaft kann er aus dem Vollen schöpfen.

neutral

"das Geld zum Fenster hinauswerfen"

— To throw money out the window. Wasting the assets that provide solvency.

Wir dürfen das Geld nicht zum Fenster hinauswerfen.

informal

"auf großem Fuß leben"

— To live a lavish lifestyle. Possible only with high solvency.

Er lebt auf großem Fuß, aber ist er auch solvent?

informal

"in der Kreide stehen"

— To be in debt. The opposite state of having high solvency.

Er steht bei mir tief in der Kreide.

informal

"flüssig machen"

— To make liquid. Selling assets to improve liquidity and protect solvency.

Wir müssen einige Immobilien flüssig machen.

neutral

혼동하기 쉬운

die Solvenz vs Solvabilität

Sounds almost identical.

Solvabilität is a technical term used almost exclusively in the insurance industry.

Die Solvabilität der Allianz wird nach Solvency II berechnet.

die Solvenz vs Souveränität

Similar length and ending.

Souveränität means sovereignty or independence (e.g., of a state).

Die Souveränität des Staates ist unantastbar.

die Solvenz vs Solidität

Both start with 'Sol-'.

Solidität means solidity or reliability in a general sense, not just financial.

Wir schätzen die Solidität unserer Geschäftsbeziehungen.

die Solvenz vs Substanz

Both relate to value.

Substanz refers to the underlying value or core assets of a company.

Die Firma hat eine gute Substanz, aber wenig Cash.

die Solvenz vs Soll

Relates to accounting.

Soll refers to the 'debit' side of an account, not the overall state of solvency.

Der Betrag wurde im Soll gebucht.

문장 패턴

Die Solvenz von [Person/Firma] ist [Adjektiv].

Die Solvenz von Tesla ist beeindruckend.

Wir müssen die Solvenz prüfen.

Bevor wir liefern, müssen wir die Solvenz prüfen.

Wegen [Genitiv Adjektiv] Solvenz...

Wegen mangelnder Solvenz wurde das Projekt gestoppt.

Es bestehen Zweifel an der Solvenz.

Es bestehen erhebliche Zweifel an der Solvenz der Bank.

Die Aufrechterhaltung der Solvenz erfordert...

Die Aufrechterhaltung der Solvenz erfordert neue Kredite.

Die Solvenz gilt als gesichert.

Trotz der Verluste gilt die Solvenz als gesichert.

Die systemische Solvenz ist gefährdet.

Durch die Krise ist die systemische Solvenz gefährdet.

Solvenzgarantien des Staates...

Solvenzgarantien des Staates beruhigten die Märkte.

어휘 가족

명사

die Solvenz

die Insolvenz

die Solvabilität

der Solvent (rarely used as a person)

die Solvenzquote

동사

solvieren (obsolete/rare)

insolvent werden

solvent bleiben

형용사

solvent

insolvent

solvabel

사용법

frequency

Common in financial news, rare in daily conversation.

자주 하는 실수

Using 'das Solvenz'. → die Solvenz
Nouns ending in '-enz' are feminine. Using 'das' or 'der' (nominative) is a common gender error.
Confusing Solvenz with Liquidität. → Use 'Solvenz' for long-term and 'Liquidität' for immediate cash.
A company can be solvent but have no cash (illiquid). Mixing these up can cause confusion in business meetings.
Saying 'Ich habe Solvenz'. → Ich bin solvent. / Meine Solvenz ist gesichert.
In German, we usually don't 'have' solvency like a possession; we either are solvent or our solvency is a state.
Using it in casual conversation. → Ich habe genug Geld. / Ich kann das bezahlen.
'Solvenz' is too formal for friends. It makes you sound like you are reading a legal document.
Pluralizing to 'Solvenzen'. → die Solvenz der Firmen
While 'Solvenzen' exists, it sounds very unnatural. Use the singular even for multiple entities.

팁

Gender Memory

Always remember 'Die Solvenz'. Think of a woman named 'Enz' who is very rich and solvent.

The Root

Associate 'Solvenz' with 'Solve'. If you are solvent, you have solved your debt problems.

Business Email

Use 'die Solvenz' when writing to a German bank; it shows you know the professional terminology.

News Watching

When you hear 'Insolvenz' on the news, try to think of the positive counterpart: 'Solvenz'.

The Z Sound

The 'z' at the end is like 'ts'. Make it sharp and clear to sound like a native professional.

Genitive Power

Practice using 'der Solvenz' after nouns like 'Prüfung' or 'Nachweis' for high-level writing.

Solvenz vs Liquidität

Think of Solvenz as your total wealth and Liquidität as the cash in your wallet.

Piggy Bank

Imagine a 'Solvent' piggy bank that is so big it can never be emptied. That is Solvenz.

German Values

Understand that being 'solvent' is highly respected in German culture, symbolizing stability.

Daily Drill

Try to find one mention of 'Solvenz' or 'solvent' in a German newspaper every day.

암기하기

기억법

Think of the word 'SOLVE'. If you have SOLVENZ, you can SOLVE your money problems and pay your debts. The 'Z' at the end is like a 'Zero' balance on your debt list.

시각적 연상

Imagine a large, heavy padlock being 'loosed' (solvere) by a key made of gold. The padlock represents your debt, and the gold key is your Solvenz.

Word Web

Geld Bank Schulden Vermögen Sicherheit Vertrag Firma Zukunft

챌린지

Write three sentences about your favorite company's financial health using 'die Solvenz', 'solvent', and 'Insolvenz'. Try to use the genitive case at least once.

어원

Derived from the Latin 'solvere', which means 'to loosen', 'to untie', or 'to pay'. The suffix '-enz' indicates a noun of state or quality. It entered German through legal and financial Latin in the early modern period.

원래 의미: The state of having loosened or untied one's debts by paying them.

Indo-European (Latin branch into Germanic)

문화적 맥락

Be careful when discussing someone's solvency personally; it can be a sensitive topic related to their success or failure.

In English, 'solvency' is used similarly but perhaps less frequently in daily news than in Germany, where fiscal health is a national obsession.

The 'Solvency II' EU Directive for insurance companies. The 'Wirecard' scandal, where solvency was faked. The Greek debt crisis, often discussed as a 'Solvenzkrise'.

실생활에서 연습하기

실제 사용 상황

Banking and Loans

Kreditwürdigkeit prüfen
Sicherheiten hinterlegen
Zinssatz festlegen
Solvenz nachweisen

Real Estate (Renting/Buying)

Einkommensnachweis vorlegen
Schufa-Auskunft einholen
Mietbürgschaft leisten
Solvenz des Mieters

Corporate Management

Jahresabschluss erstellen
Liquidität planen
Insolvenz vermeiden
Solvenz überwachen

Economics News

Wirtschaftswachstum fördern
Staatsschulden abbauen
Finanzmärkte beruhigen
Solvenz der Eurozone

Legal Disputes

Ansprüche geltend machen
Insolvenzverfahren eröffnen
Gläubiger befriedigen
Solvenz bestreiten

대화 시작하기

"Wie wichtig ist die Solvenz eines Unternehmens für dich, wenn du Aktien kaufst?"

"Glaubst du, dass die Solvenz der Rentenversicherung in Zukunft sicher ist?"

"Musstest du schon einmal deine Solvenz für eine Wohnung nachweisen?"

"Was ist wichtiger für ein Start-up: Liquidität oder langfristige Solvenz?"

"Wie hat die Energiekrise die Solvenz der kleinen Betriebe in deiner Region beeinflusst?"

일기 주제

Reflektiere über deine eigene finanzielle Solvenz. Was sind deine langfristigen Ziele?

Schreibe einen fiktiven Zeitungsbericht über eine Firma, deren Solvenz plötzlich in Frage gestellt wird.

Diskutiere die moralische Bedeutung von Solvenz in der heutigen Gesellschaft. Ist es eine Tugend?

Beschreibe den Unterschied zwischen Solvenz und Liquidität anhand eines Beispiels aus deinem Leben.

Analysiere, wie ein Staat seine Solvenz auch in schwierigen Zeiten bewahren kann.

자주 묻는 질문

10 질문

Yes, but mostly in formal contexts like bank loan applications or high-end rentals. For regular people, 'Zahlungsfähigkeit' is more common, or simply saying 'Er ist solvent'.

Both mean 'solvent'. 'Solvent' is the standard word. 'Solvabel' is a slightly more old-fashioned or technical variant often found in legal texts.

Technically yes, but it is extremely rare. It's like saying 'the solvencies' in English. It only appears in highly technical comparative financial reports.

In German, almost all nouns ending in '-enz' (from Latin '-entia') are feminine. This includes intelligence, difference, and presence.

Neither is 'better', but they mean different things. A bank checks your Solvenz (assets) to determine your Bonität (rating).

Legally, when you can no longer meet your payment obligations or your liabilities exceed your assets.

Yes, 'Solvenz' is standard High German and is used in all German-speaking countries in financial contexts.

Rarely. You might hear 'moralische Solvenz', but it's very poetic and not common in daily life.

In business, you ask for a 'Bonitätsnachweis' or a 'Selbstauskunft'. Asking 'Wie ist Ihre Solvenz?' is very blunt.

Not exactly. It means having the *ability* to pay. You might not have the cash right now, but you have assets you could sell.

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