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B2 noun 9분 분량

融资

róngzī
연습하기 예시 노트와 팁 融资 30초 만에
설명 融资 in your Level:
At the A1 level, you only need to know that '融资' (róngzī) is a special word for 'getting money for a business.' While you might use '钱' (qián) for money in daily life, '融资' is the word used when a big company or a smart person with a new idea needs a lot of money to start a project. Think of it as 'business money.' You won't hear this in a supermarket, but you might hear it if you watch a video about a famous Chinese company like Alibaba or Tencent. At this stage, just recognize that '融' means circulation and '资' means resources. It's about making money move to where it's needed. You can simply remember the phrase '需要融资' (needs financing). This is a very formal way to say a company needs help to grow. Even though it's a B2 word, knowing it early helps you understand business news.
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At the A2 level, you can start to use '融资' (róngzī) in simple sentences about work or business. You should understand that it is different from '借钱' (jièqián - borrowing money). '借钱' is what you do with friends; '融资' is what you do with banks or investors. You might say, '我的公司需要融资' (My company needs financing). You should also begin to recognize its role as a noun. For example, '融资很重要' (Financing is very important). At this level, you might also see it combined with other words like '融资计划' (financing plan). If you are learning Chinese for work, this is a great 'power word' to show you understand professional concepts. Just remember that it is a formal term. You don't '融资' a sandwich, but you do '融资' a factory or a new app.
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At the B1 level, you should be comfortable using '融资' (róngzī) in a professional context. You should know common verbs that go with it, such as '进行融资' (to conduct financing) and '获得融资' (to obtain financing). You should also understand the difference between '融资' (getting money) and '投资' (tóuzī - investing money). In a conversation, you might explain, '我们正在进行A轮融资' (We are currently conducting Series A financing). You should also be able to understand short news clips about companies raising money. You might start to see more complex phrases like '融资渠道' (financing channels) or '融资成本' (financing costs). At this stage, you are moving beyond simple definitions and starting to use the word to describe the strategic financial activities of a business. You understand that 融资 is a key part of the 'business cycle' in China's economy.
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At the B2 level, which is the target level for this word, you should have a deep understanding of '融资' (róngzī). You should be able to discuss different types of financing, such as '股权融资' (equity financing) and '债权融资' (debt financing). You should understand its specific meaning in the stock market (margin trading) and be able to use it in complex sentences. For example, '由于融资成本上升，许多企业面临资金链断裂的风险' (Due to rising financing costs, many enterprises face the risk of a broken capital chain). You should be able to read financial reports and understand the nuances of how financing affects a company's valuation (估值). You should also be aware of the social and economic implications of '融资难' (financing difficulty) for small and medium-sized enterprises (SMEs) in China. Your usage should be precise, and you should rarely confuse it with 投资 or 筹款.
At the C1 level, you can use '融资' (róngzī) to discuss complex economic theories and corporate strategies. You are familiar with advanced terms like '融资租赁' (financial leasing), '内源融资' (internal financing), and '结构化融资' (structured financing). You can analyze the pros and cons of various financing methods in a formal debate or a written report. You understand the regulatory environment surrounding financing in China, including the roles of the CSRC (中国证监会). You can use the word idiomatically in professional settings, such as discussing '融资杠杆' (financial leverage) and its impact on market volatility. Your understanding includes the historical context of how financing has evolved in China from state-planned allocations to a diverse, market-driven system. You can effortlessly switch between the general meaning of fundraising and the technical meaning of margin trading depending on the context.
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At the C2 level, you have a native-like grasp of '融资' (róngzī) and all its technical, legal, and economic nuances. You can draft legal documents related to financing, lead high-level negotiations for venture capital deals, and provide expert commentary on national financing policies. You understand the subtle rhetorical ways the word is used in political speeches to describe economic support or 'vitalizing' the market. You can appreciate the word's etymology and how the concept of '融' (circulation) reflects deep-seated Chinese views on wealth and liquidity. You can discuss the global implications of Chinese cross-border financing (跨境融资) and how it integrates with international capital markets. At this level, the word is not just a vocabulary item but a tool for sophisticated analysis of the global financial architecture and China's pivotal role within it.
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연습하기 예시 노트와 팁

融资 30초 만에

  • 融资 (róngzī) is the formal term for business financing or fundraising.
  • It consists of '融' (circulation) and '资' (capital/resources).
  • It covers both equity (shares) and debt (loans) methods.
  • Used primarily in professional, business, and economic contexts.

At its core, 融资 (róngzī) is the Chinese term for 'financing' or 'fundraising.' It represents the process by which a business, organization, or individual secures the capital necessary to fuel operations, expansion, or specific projects. The term is a compound of two characters: 融 (róng), which carries the meaning of 'melting,' 'blending,' or 'circulating,' and 资 (zī), which refers to 'capital,' 'resources,' or 'wealth.' Together, they evoke the image of capital being circulated or blended into an enterprise to give it life and movement, much like blood circulating through a body.

Business Context
In the high-stakes world of Chinese tech and startups, '融资' is a daily buzzword. Whether it is a startup seeking its 'Angel Round' (天使轮) or a massive corporation issuing bonds, the act of securing funds is always described as 融资. It implies a formal, strategic approach to gathering money, rather than just borrowing a few dollars from a friend.

这家初创公司正在寻求新一轮的融资以扩大生产规模。(This startup is seeking a new round of financing to expand production scale.)

You will encounter this word most frequently in financial news, business meetings, and academic discussions about economics. It is a formal term. If you are talking about a lemonade stand, you might just say '找钱' (finding money), but if you are talking about a venture-backed company in Shenzhen, you must use 融资. It covers various forms of capital acquisition, including equity financing (股权融资) and debt financing (债权融资). Understanding this word is crucial for anyone looking to navigate the Chinese corporate landscape or understand the economic drivers that have fueled China's rapid growth over the last few decades.

Financial Stages
Financing is often categorized by rounds: Seed Round (种子轮), Series A (A轮), Series B (B轮), and so on. Each stage represents a significant milestone in a company's development and its ability to attract larger amounts of 融资.

由于市场环境不佳，许多企业的融资计划被迫推迟。(Due to the poor market environment, many companies' financing plans were forced to be postponed.)

Economic Impact
On a macro level, the ease of 融资 reflects the health of the financial system. When '融资难' (difficulty in financing) becomes a common phrase in the news, it usually indicates a tightening of credit or a downturn in investor confidence.

政府出台了新政策，以解决中小企业融资难的问题。(The government introduced new policies to solve the problem of financing difficulties for small and medium-sized enterprises.)

通过融资，公司获得了研发新技术所需的资金。(Through financing, the company obtained the funds needed to research and develop new technologies.)

我们计划在明年进行海外融资。(We plan to conduct overseas financing next year.)

Using 融资 correctly requires an understanding of its typical grammatical pairings. While in English we might say 'to raise money,' in Chinese, we often 'conduct financing' (进行融资) or 'obtain financing' (获得融资). It is frequently used in a VO (Verb-Object) structure or as a modifier in a noun phrase.

As a Direct Object
When a company is the subject, they 'seek' (寻求) or 'complete' (完成) 融资. For example, '公司完成了A轮融资' (The company completed Series A financing). This is the most common way to describe the successful acquisition of funds.

为了支持这个项目，我们需要尽快寻找融资渠道。(To support this project, we need to find financing channels as soon as possible.)

You can also use it as a verb. For instance, '向银行融资' (to raise funds from a bank). Here, the preposition '向' (toward/from) indicates the source of the capital. This structure is very common in formal business reports. It highlights the direction of the financial flow.

Modifying Nouns
融资 often acts as an adjective/modifier for other business terms. Common examples include 融资成本 (financing cost), 融资风险 (financing risk), and 融资租赁 (financial leasing). In these cases, it specifies the type of cost or risk being discussed.

高昂的融资成本使得许多小企业难以生存。(High financing costs make it difficult for many small businesses to survive.)

In Passive Structures
While less common, you might see '被融资' in very informal contexts, but usually, it's expressed as '获得了...的投资' (received investment from...). However, '融资计划被批准' (the financing plan was approved) is a standard passive usage.

他们的融资申请已经得到了银行的批准。(Their financing application has been approved by the bank.)

项目成功的关键在于能否及时筹措到融资。(The key to the project's success lies in whether financing can be raised in time.)

股市大跌导致许多融资客爆仓。(The stock market crash caused many margin traders to be liquidated.)

If you spend any time in China's major economic hubs like Beijing's Zhongguancun (the 'Silicon Valley of China'), Shanghai's Lujiazui financial district, or Shenzhen's tech corridor, you will hear 融资 everywhere. It is the language of the 'hustle' in modern China. It's heard in coffee shops where entrepreneurs pitch to investors, in boardrooms of multinational corporations, and on every major financial news broadcast.

In the Media
Financial news outlets like Caixin (财新) or the 21st Century Business Herald (21世纪经济报道) use this word in almost every headline related to corporate growth. Headlines like '某公司完成C轮融资，估值达到十亿美元' (A certain company completes Series C financing, valuation reaches 1 billion USD) are standard fare.

新闻报道：该科技巨头宣布将通过股权融资筹集50亿元。(News report: The tech giant announced it will raise 5 billion yuan through equity financing.)

In the startup scene, the '融资计划书' (BP - Business Plan) is the most important document an entrepreneur possesses. Conversations often revolve around the difficulty or success of current financing efforts. Phrases like '融资融券' (margin trading and securities lending) are also common in the context of the A-share market, though this is a more specialized financial usage.

Academic and Government Settings
Economics professors and government officials use 融资 when discussing monetary policy. They talk about '融资环境' (financing environment) and how to improve it for private enterprises. It's a key metric for measuring economic vitality.

教授指出，间接融资在中国金融体系中仍占主导地位。(The professor pointed out that indirect financing still dominates China's financial system.)

Daily Professional Life
If you work in a corporate office, you might hear the accounting or finance department (财务部) discussing the next quarter's 融资需求 (financing needs). It's not just for startups; established firms need it for liquidity management.

我们公司的财务总监正在北京出差，商谈下一轮融资的事宜。(Our company's CFO is on a business trip to Beijing to discuss the matters of the next round of financing.)

在咖啡厅里，我听到隔壁桌的年轻人在讨论如何优化他们的融资方案。(In the cafe, I heard the young people at the next table discussing how to optimize their financing plan.)

这家公司的融资消息在朋友圈刷屏了。(The news of this company's financing went viral on WeChat Moments.)

Even advanced learners of Chinese sometimes stumble when using 融资. The most frequent errors involve confusing it with similar economic terms or using the wrong verb-object collocations. Because 融资 is a formal term, using it in a casual or grammatically incorrect way can stand out to native speakers.

Mistake 1: Confusing 融资 and 投资
This is the most common error. Remember: 投资 (tóuzī) is 'investment'—the act of putting money into something. 融资 (róngzī) is 'financing'—the act of getting money from someone. A company *seeks* 融资 and *receives* 投资. If you say '我要融资这个公司' (I want to finance this company), it sounds like you are the one needing money, not the one giving it. To say you want to invest, use 投资.

错误：我打算融资那个新项目。(Wrong: I plan to finance that new project - implies you are raising money for it).
正确：我打算投资那个新项目。(Right: I plan to invest in that new project.)

Another mistake is using 融资 for personal, casual loans. If you borrow 50 yuan from a friend for lunch, you wouldn't call it 融资. That would sound absurdly formal, like saying 'I am conducting a capital acquisition round for my midday meal.' Use '借钱' (jièqián) for personal borrowing. 融资 is strictly for business or institutional contexts.

Mistake 2: Incorrect Collocations
Learners often try to use English-style phrasing like '做融资' (doing financing). While understandable, the standard professional term is '进行融资' (conducting financing) or '开展融资' (carrying out financing). Using '做' makes you sound less professional.

不专业：公司正在做融资。(Unprofessional: The company is doing financing.)
专业：公司正在进行融资。(Professional: The company is conducting financing.)

Mistake 3: Overlooking the '融' (Circulation)
Sometimes people use 融资 when they mean a simple donation (捐款) or a government grant (拨款). 融资 implies a financial arrangement where the money is expected to circulate—either through repayment (debt) or through future profits (equity). It's a business transaction, not a gift.

错误：慈善机构正在为灾区融资。(Wrong: The charity is financing for the disaster area).
正确：慈善机构正在为灾区筹款。(Right: The charity is raising funds for the disaster area.)

注意：在股市中，融资特指借钱买股票，千万不要把它和普通的买股票混淆。(Note: In the stock market, 'rongzi' specifically refers to buying stocks with borrowed money; don't confuse it with regular stock buying.)

In the rich lexicon of Chinese finance, several words orbit the concept of 融资. Choosing the right one depends on the source of the money, the purpose, and the level of formality required. Let's compare 融资 with its closest cousins.

融资 (róngzī) vs. 筹资 (chóuzī)
These two are very similar and often interchangeable. However, 融资 emphasizes the *mechanism* of the financial market (banks, VC, stocks), while 筹资 (raising capital) is a bit broader and can refer to the internal act of preparing funds. 融资 is more common in venture capital contexts.
融资 (róngzī) vs. 贷款 (dàikuǎn)
贷款 specifically means a 'loan' from a bank or financial institution that must be repaid with interest. 融资 is the umbrella term; 贷款 is a *type* of 融资 (specifically, 债权融资 or debt financing). If you are specifically talking about a bank loan, use 贷款.

公司通过银行贷款完成了这一轮的融资。(The company completed this round of financing through a bank loan.)

融资 (róngzī) vs. 筹款 (chóukuǎn)
筹款 is generally used for 'fundraising' in a non-profit, charitable, or casual context. If you are raising money for a marathon or a school library, you use 筹款. 融资 is for-profit and business-oriented.

我们正在为希望小学筹款，而不是融资。(We are fundraising for the Hope Primary School, not financing.)

融资 (róngzī) vs. 募资 (mùzī)
募资 (short for 募集资金) is very formal and often used when a company is 'raising' funds from the public, such as through an IPO or issuing bonds. It implies a large-scale, public call for capital.

该公司计划通过IPO募资十亿元。(The company plans to raise one billion yuan through an IPO.)

对于初创企业来说，股权融资通常比债权融资更具吸引力。(For startups, equity financing is usually more attractive than debt financing.)

How Formal Is It?

재미있는 사실

The character 融 (róng) contains the radical for 'insect' (虫), which historically related to the idea of steam rising or things blending together like a swarm.

발음 가이드

UK /rʊŋ dzeɪ/
US /rʊŋ dzi/
Second syllable (zi) is held slightly longer as it is a first tone.
라임이 맞는 단어
中 (zhōng) 风 (fēng) 送 (sòng) 资 (zī - self-rhyme) 丝 (sī) 知 (zhī) 吃 (chī) 师 (shī)
자주 하는 실수
  • Pronouncing 'zi' like 'zee'. It should be a buzzing 'z' sound with a neutral vowel.
  • Failing to rise on 'rong' (second tone).
  • Confusing 'rong' with 'long'.

난이도

독해 4/5

Common in news, but requires understanding of economic context.

쓰기 5/5

Stroke order for '融' is complex for beginners.

말하기 3/5

Clear pronunciation, though tones are important.

듣기 4/5

Can be confused with other 'rong' or 'zi' words in fast speech.

다음에 무엇을 배울까

선수 학습

钱 银行 公司 买 卖

다음에 배울 것

投资 利息 股份 上市 亏损

고급

杠杆 对冲 期权 估值 并股

알아야 할 문법

Verb-Object structure with '进行'

我们正在**进行**融资。

Preposition '通过' to show method

**通过**股票市场融资。

Preposition '向' to show source

**向**银行融资。

Measure word '轮' for rounds

完成了**三轮**融资。

Resultative complement '成功'

融资**成功**了。

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수준별 예문

1

公司需要融资。

The company needs financing.

Simple Subject + Verb + Object structure.

2

什么是融资？

What is financing?

Basic question structure.

3

我们要融资一百万。

We want to raise one million in financing.

Subject + want + financing + amount.

4

融资很难。

Financing is very difficult.

Noun + Adjective (Degree).

5

他学会了融资。

He learned about financing.

Subject + Verb-le + Object.

6

融资很重要。

Financing is important.

Simple Noun + Adjective.

7

这是融资计划。

This is a financing plan.

Demonstrative + Verb + Noun Phrase.

8

他们正在融资。

They are currently raising funds.

Subject + 'zhèngzài' (continuous) + Verb.

1

我的老板正在北京融资。

My boss is raising funds in Beijing.

Location 'zài' comes before the verb.

2

这家公司融资成功了。

This company succeeded in financing.

Subject + financing + resultative complement 'chénggōng'.

3

我们需要找融资渠道。

We need to find financing channels.

Verb 'zhǎo' (find) + compound noun.

4

融资可以帮助公司发展。

Financing can help the company develop.

Auxiliary verb 'kěyǐ' (can) + help + development.

5

他写了一个融资报告。

He wrote a financing report.

Subject + Verb + Number + Measure Word + Noun.

6

银行给了我们融资。

The bank gave us financing.

Double object construction (Bank gave Us Financing).

7

融资以后，我们可以买新机器。

After financing, we can buy new machines.

Time phrase 'yǐhòu' (after) used at the start of the clause.

8

你想参加融资会议吗？

Do you want to attend the financing meeting?

Question with 'ma' at the end.

1

初创企业通常面临融资难的问题。

Startups usually face the problem of financing difficulties.

Subject + Verb 'miànlín' (face) + complex object.

2

通过股权融资，公司获得了资金。

Through equity financing, the company obtained funds.

Prepositional phrase 'tōngguò' (through) indicating the method.

3

我们的融资成本目前非常低。

Our financing costs are currently very low.

Possessive 'de' used in a technical noun phrase.

4

为了扩大规模，他们决定再次融资。

To expand the scale, they decided to raise funds again.

Purpose clause 'wèile' (in order to) at the beginning.

5

这种融资方式非常灵活。

This financing method is very flexible.

Subject + Degree Adverb 'fēicháng' + Adjective.

6

我们已经完成了第一轮融资。

We have already completed the first round of financing.

Adverb 'yǐjīng' (already) + verb-le.

7

投资者对这次融资很感兴趣。

Investors are very interested in this financing.

Structure 'duì... gǎn xìngqù' (to be interested in...).

8

融资计划书必须写得清楚。

The business plan must be written clearly.

Verb + complement of degree 'de' + adjective.

1

融资杠杆是一把双刃剑。

Financial leverage is a double-edged sword.

Metaphorical usage in a formal statement.

2

由于缺乏抵押物，小微企业很难获得融资。

Due to a lack of collateral, small and micro enterprises find it hard to get financing.

Causal conjunction 'yóuyú' (due to) + reason.

3

该公司通过债权融资筹集了大量资金。

The company raised a large amount of funds through debt financing.

Specific financial term 'zhàiquán róngzī' used in context.

4

融资环境的改善有利于实体经济的发展。

The improvement of the financing environment is beneficial to the development of the real economy.

Structure 'yǒulìyú' (be beneficial to).

5

他们正在研究如何降低融资风险。

They are studying how to reduce financing risks.

Verb 'yánjiū' (research/study) + question word clause.

6

融资融券业务在股市中非常普遍。

Margin trading and securities lending are very common in the stock market.

Specific technical term for stock market activities.

7

公司高层正在讨论海外融资的方案。

The company's top management is discussing overseas financing plans.

Progressive aspect 'zhèngzài' + high-level professional vocabulary.

8

融资规模的大小取决于项目的需求。

The size of the financing scale depends on the project's needs.

Structure 'qǔjuéyú' (depends on).

1

结构化融资为大型基础设施项目提供了资金保障。

Structured financing provided funding guarantees for large-scale infrastructure projects.

Advanced financial term 'jiégòuhuà róngzī'.

2

企业的内源融资能力反映了其盈利水平。

A company's internal financing capability reflects its profitability level.

Abstract noun phrase as a subject.

3

政府通过政策引导，拓宽了企业的融资渠道。

Through policy guidance, the government has broadened the financing channels for enterprises.

Verb 'tuòkuān' (broaden) used with 'qúdào' (channel).

4

融资租赁成为许多制造企业更新设备的首选。

Financial leasing has become the first choice for many manufacturing enterprises to update equipment.

Using 'chéngwéi' (become) to describe a trend.

5

我们需要警惕过度融资带来的财务泡沫。

We need to be wary of financial bubbles caused by over-financing.

Verb 'jǐngtì' (be wary of) + complex object.

6

融资协议中的条款对双方都具有约束力。

The terms in the financing agreement are binding on both parties.

Structure 'duì... jùyǒu yuēshùlì' (be binding on...).

7

该项目的成功离不开多元化的融资组合。

The success of the project is inseparable from a diversified financing portfolio.

Double negative structure 'lí bù kāi' (cannot do without).

8

融资成本的波动直接影响到企业的净利润。

Fluctuations in financing costs directly affect the net profit of the enterprise.

Adverb 'zhíjiē' (directly) modifying the verb 'yǐngxiǎng' (affect).

1

跨境融资的监管框架在不断完善中。

The regulatory framework for cross-border financing is constantly being improved.

Complex nominalization 'jiànguǎn kuàngjià'.

2

融资效率的提升是金融供给侧改革的核心目标之一。

Improving financing efficiency is one of the core objectives of financial supply-side reform.

High-level political and economic terminology.

3

企业应根据宏观经济形势灵活调整融资策略。

Enterprises should flexibly adjust their financing strategies based on the macroeconomic situation.

Prepositional phrase 'gēnjù... xíngshì' (based on the situation).

4

间接融资与直接融资的比例失衡是当前金融体系的一大挑战。

The imbalance between indirect and direct financing is a major challenge for the current financial system.

Contrastive structure 'A yǔ B de bǐlì' (the ratio of A to B).

5

融资过程中存在的信息不对称可能导致逆向选择。

Information asymmetry in the financing process may lead to adverse selection.

Academic term 'xìnxī bù duìchèn' (information asymmetry).

6

该集团通过复杂的融资安排实现了资本的快速扩张。

The group achieved rapid capital expansion through complex financing arrangements.

Adverbial 'tōngguò... ānpái' (through... arrangements).

7

融资成本的差异化定价有助于资源的最优配置。

Differentiated pricing of financing costs helps in the optimal allocation of resources.

Abstract concept 'zìyuán de zuìyōu pèizhì'.

8

在全球化背景下，融资活动的风险传染性日益增强。

In the context of globalization, the risk contagiousness of financing activities is increasing daily.

Structure 'rìyì zēngqiáng' (increasing day by day).

자주 쓰는 조합

融资渠道
融资成本
融资规模
融资结构
融资风险
融资租赁
股权融资
债权融资
融资融券
融资平台

자주 쓰는 구문

天使轮融资

— Angel round financing. The earliest stage of funding for a startup.

他们获得了五百万元的天使轮融资。

A轮融资

— Series A financing. The first significant round of venture capital.

公司刚完成了A轮融资。

融资难

— Financing difficulty. A common problem for small businesses.

中小企业普遍面临融资难的问题。

融资贵

— High cost of financing. When interest rates or fees are too high.

融资难、融资贵是当前的主要问题。

间接融资

— Indirect financing. Raising money through banks.

中国企业主要依赖间接融资。

直接融资

— Direct financing. Raising money through stock or bond markets.

政府鼓励企业增加直接融资。

融资需求

— Financing needs. The amount of money a company needs to raise.

我们的融资需求在不断增加。

融资环境

— Financing environment. The overall state of the financial market.

当前的融资环境非常有利。

融资方案

— Financing plan/proposal. A detailed strategy for raising funds.

我们需要制定一份详细的融资方案。

融资能力

— Financing capability. A company's ability to attract capital.

融资能力是企业核心竞争力的体现。

자주 혼동되는 단어

融资 vs 投资

Investment. 融资 is getting money; 投资 is giving money.

融资 vs 筹款

Fundraising. 筹款 is often for charity; 融资 is for business.

融资 vs 贷款

Loan. 贷款 is a specific type of debt financing.

관용어 및 표현

"空手套白狼"

— To get something for nothing. Often used to describe opportunistic financing without real assets.

他想空手套白狼，这在融资界是行不通的。

Informal/Negative
"拆东墙补西墙"

— To rob Peter to pay Paul. Using new financing to pay off old debts.

靠融资来拆东墙补西墙是不可持续的。

Informal
"借鸡生蛋"

— To use someone else's resources (money) to make a profit for yourself.

融资本质上就是借鸡生蛋。

Neutral
"釜底抽薪"

— To take a drastic measure to stop something; in finance, it means cutting off funding suddenly.

银行的突然断贷对他来说无异于釜底抽薪。

Formal
"杯水车薪"

— A drop in the bucket. When the financing raised is far too little for the need.

这点融资对于庞大的债务来说只是杯水车薪。

Neutral
"锦上添花"

— To add beauty to something already beautiful; financing given to an already successful company.

这次融资对我们来说是锦上添花。

Neutral
"雪中送炭"

— To provide help in a time of need; crucial financing during a crisis.

这笔融资真是雪中送炭，救了公司一命。

Neutral
"量入为出"

— To spend according to one's income; the opposite philosophy of aggressive financing.

虽然可以融资，但我们还是应该量入为出。

Formal
"源远流长"

— Long-standing and well-established; used to describe stable financing channels.

我们的融资渠道源远流长，非常可靠。

Formal
"未雨绸缪"

— To plan ahead for a rainy day; raising funds before a crisis hits.

公司决定未雨绸缪，提前进行融资。

Formal

혼동하기 쉬운

融资 vs 融化

Shared first character '融'.

融化 is physical melting (ice); 融资 is financial circulation.

冰淇淋融化了 (The ice cream melted).

融资 vs 资本

Related to money.

资本 is the capital itself; 融资 is the act of getting it.

他有雄厚的资本 (He has strong capital).

融资 vs 资源

Shared second character '资'.

资源 means resources (natural, human); 融资 is specifically financial.

水是宝贵的资源 (Water is a precious resource).

融资 vs 融合

Shared first character '融'.

融合 means to merge or integrate (cultures, ideas).

中西文化融合 (Merging of Chinese and Western cultures).

融资 vs 工资

Shared second character '资'.

工资 means salary/wages paid to employees.

发工资了 (The salary is paid).

문장 패턴

A1

S + 需要 + 融资

公司需要融资。

A2

S + 正在 + 融资

他们正在融资。

B1

S + 完成了 + [Round] + 融资

我们完成了A轮融资。

B1

通过 + [Method] + 融资

通过银行融资。

B2

由于 + [Reason] + 融资难

由于信用不足，融资难。

B2

降低 + 融资成本

设法降低融资成本。

C1

S + 具有 + 融资能力

该公司具有极强的融资能力。

C2

在...背景下, 融资...

在全球化背景下，融资风险在增加。

어휘 가족

명사

融资人 (Financier/Borrower)
融资款 (Financing amount)
融资方 (The party seeking financing)

동사

融资 (To finance/fundraise)

형용사

融资性的 (Financing-related)

관련

金融 (Finance)
资本 (Capital)
资金 (Funds)
投资 (Investment)
银行 (Bank)
무료 가입하고 모든 예문 보기

사용법

frequency

Extremely high in business and news media.

자주 하는 실수
  • 我融资了这个项目。 → 我投资了这个项目。

    If you are the one giving money, use 投资. 融资 means you are receiving or raising money.

  • 他向我融资了十块钱。 → 他向我借了十块钱。

    融资 is too formal for small personal amounts. Use 借钱.

  • 公司正在做融资。 → 公司正在进行融资。

    进行 is the standard formal verb to pair with 融资.

  • 融资成功了我的计划。 → 我的融资计划成功了。

    融资 is the subject or object, not usually a verb that takes a resultative complement in that specific word order.

  • 我们要融资这个学校。 → 我们要为这个学校筹款。

    For schools or charities, 筹款 (fundraising) is more appropriate than 融资 (financing).

팁

Verb Pairing

Always use '进行' or '开展' with 融资 to sound professional in writing.

The 'Rong' Logic

Think of '融' as 'Liquidity.' Financing is making your assets liquid so you can use them.

Startup Culture

In China, saying you 'just finished a round of financing' is a major status symbol in the tech world.

Tone Accuracy

Keep the 'zi' short and flat. If you make it third tone (zǐ), it sounds like 'purple' or 'child'.

CFO Language

If you are in a meeting with a CFO, use '融资成本' to discuss interest rates.

Stock Market Warning

When reading stock news, '融资' usually means people are borrowing money to buy stocks, which signals high market heat.

Etymology

Remembering that '资' means 'resources' helps you understand words like '资产' (assets) and '资料' (materials).

Don't say '做融资'

It sounds like 'doing financing' in a way that suggests you don't know the business world well. Use '进行'.

Stroke Balance

The character '融' is top-heavy; make sure the '虫' at the bottom is wide enough to support it.

News Keywords

When you hear '融资' on CCTV, listen for the numbers (亿, 万) to understand the scale.

암기하기

기억법

Think of 'Rong' as 'Wrong'—if you don't have enough money, something is 'wrong' with your business. So you need 'Zi' (Seed money) to fix it. Rong + Zi = Financing.

시각적 연상

Imagine a block of gold (资) melting (融) and flowing like water into a thirsty factory.

Word Web

银行 股票 债券 利息 投资 创业 风险 利润

챌린지

Try to explain the difference between '融资' and '投资' to a friend using only Chinese for those two words.

어원

The term '融资' is a modern compound used in Chinese to translate the Western economic concept of 'financing.' It became prevalent during China's economic reform and opening-up period starting in the late 1970s.

원래 의미: 融 (róng) traditionally meant to melt or blend (like metal). 资 (zī) meant resources or money. Combined, they mean to make money flow and blend into a business.

Sino-Tibetan (Chinese)

문화적 맥락

Be careful when discussing 'illegal fundraising' (非法集资), as it is a sensitive legal topic in China with severe penalties.

In English, 'financing' can be a dry academic term. In Chinese business culture, '融资' is often discussed with high emotion and is a central part of the 'startup dream' (创业梦).

Win in China (赢在中国) TV show The 'Shark Tank' equivalent in China Alibaba's record-breaking IPO financing

실생활에서 연습하기

실제 사용 상황

Startup Pitch

  • 寻求天使轮融资
  • 我们的估值是...
  • 融资计划书
  • 稀释股份

Bank Meeting

  • 申请贷款
  • 抵押物
  • 融资利率
  • 还款计划

Financial News

  • 完成C轮融资
  • 领投方
  • 跟投
  • 资金用途

Stock Market

  • 融资买入
  • 融资余额
  • 爆仓风险
  • 杠杆比例

Government Policy

  • 缓解融资难
  • 普惠金融
  • 融资环境优化
  • 信用担保

대화 시작하기

"你觉得现在的融资环境对初创公司友好吗？"

"你们公司最近有融资计划吗？"

"股权融资和债权融资，你更倾向于哪一种？"

"你听说过那家独角兽公司的最新一轮融资吗？"

"在融资过程中，你认为最难的部分是什么？"

일기 주제

如果你有一家初创公司，你会如何说服投资者给你融资？

描述一次你为了某个目标而筹集资金（或融资）的经历。

你认为过度融资对一家公司的长远发展是有利还是有弊？

探讨中国中小企业面临‘融资难’现象的深层原因。

想象十年后的融资方式会有什么样的变化？

자주 묻는 질문

10 질문

融资 is from the perspective of the business needing money (fundraising/financing). 投资 is from the perspective of the person providing the money (investing). If you are a founder, you seek 融资. If you are a billionaire, you do 投资.

Technically you could, but it sounds very strange. It's like saying 'I am initiating a debt acquisition protocol' instead of 'I'm borrowing five bucks.' Use '借钱' for personal things.

This is a technical term for margin trading (borrowing money to buy stocks) and securities lending (borrowing stocks to sell short). It's a high-risk investment strategy.

No, it can be a verb too. For example, '向银行融资' (to raise funds from the bank). In this case, it functions as the action of the sentence.

It is '股权融资' (gǔquán róngzī). This is when you give away a piece of your company in exchange for money.

It is '债权融资' (zhàiquán róngzī). This is when you borrow money that must be repaid with interest, like a bank loan.

It refers to the systemic difficulty that private small businesses in China have when trying to get loans from state-owned banks, which often prefer lending to larger state-owned enterprises.

Not necessarily. Equity financing doesn't have interest (but you lose ownership). Debt financing does have interest. 融资 covers both.

It is a Business Plan (BP) specifically designed to attract investors. It includes financial projections, market analysis, and the amount of money requested.

Yes, 金融 (jīnróng) means 'finance' in general. 融资 is a specific activity within the field of 金融.

무료 가입하고 팁과 노트 보기

셀프 테스트 227 질문

writing

Write a sentence using '融资' and '公司'.

Well written! Good try! Check the sample answer below.

정답! 아쉬워요. 정답:
writing

Translate: 'We completed the Series A financing yesterday.'

Well written! Good try! Check the sample answer below.

정답! 아쉬워요. 정답:
writing

Explain in one sentence why a company needs 融资.

Well written! Good try! Check the sample answer below.

정답! 아쉬워요. 정답:
writing

Write a formal headline about a tech giant raising 1 billion yuan.

Well written! Good try! Check the sample answer below.

정답! 아쉬워요. 정답:
writing

Use '融资难' in a sentence about small businesses.

Well written! Good try! Check the sample answer below.

정답! 아쉬워요. 정답:
speaking

Pronounce '融资' clearly with correct tones.

Read this aloud:

정답! 아쉬워요. 정답:
speaking

Say 'The company completed financing' in Chinese.

Read this aloud:

정답! 아쉬워요. 정답:
speaking

Explain the difference between 融资 and 投资 in your own words (in Chinese).

Read this aloud:

정답! 아쉬워요. 정답:
speaking

Describe a '融资计划书' (BP) in two sentences.

Read this aloud:

정답! 아쉬워요. 정답:
speaking

Discuss the risks of '融资杠杆' (financial leverage).

Read this aloud:

정답! 아쉬워요. 정답:
listening

Listen to the audio: '公司正在进行B轮融资。' What round of financing is it?

정답! 아쉬워요. 정답:
정답! 아쉬워요. 정답:
listening

Listen: '我们需要降低融资成本。' What do they need to lower?

정답! 아쉬워요. 정답:
정답! 아쉬워요. 정답:
listening

Listen: '融资渠道非常有限。' Are the channels many or few?

정답! 아쉬워요. 정답:
정답! 아쉬워요. 정답:
listening

Listen: '他因为融资融券爆仓了。' What happened to him?

정답! 아쉬워요. 정답:
정답! 아쉬워요. 정답:
listening

Listen: '这次融资规模达一亿美金。' How much was raised?

정답! 아쉬워요. 정답:
정답! 아쉬워요. 정답:
writing

Translate: 'High financing costs are a burden for the company.'

Well written! Good try! Check the sample answer below.

정답! 아쉬워요. 정답:
speaking

Say 'We need to find more financing channels.'

Read this aloud:

정답! 아쉬워요. 정답:
writing

Translate: 'The financing plan was rejected by the board.'

Well written! Good try! Check the sample answer below.

정답! 아쉬워요. 정답:
speaking

How do you say 'Series B financing'?

Read this aloud:

정답! 아쉬워요. 정답:
listening

Listen: '他通过融资买入了一千股。' Did he use his own money entirely?

정답! 아쉬워요. 정답:
정답! 아쉬워요. 정답:
writing

Use '融资' in a complex sentence with '由于'.

Well written! Good try! Check the sample answer below.

정답! 아쉬워요. 정답:
speaking

Say 'Financing is a double-edged sword.'

Read this aloud:

정답! 아쉬워요. 정답:
writing

Translate: 'The government encourages direct financing.'

Well written! Good try! Check the sample answer below.

정답! 아쉬워요. 정답:
writing

Write a short paragraph about why a startup needs 融资.

Well written! Good try! Check the sample answer below.

정답! 아쉬워요. 정답:
writing

Translate: 'We are looking for new financing channels.'

Well written! Good try! Check the sample answer below.

정답! 아쉬워요. 정답:
writing

Write a sentence using '融资成本'.

Well written! Good try! Check the sample answer below.

정답! 아쉬워요. 정답:
writing

Translate: 'The company completed its Series B financing last month.'

Well written! Good try! Check the sample answer below.

정답! 아쉬워요. 정답:
writing

Describe the risks of over-financing.

Well written! Good try! Check the sample answer below.

정답! 아쉬워요. 정답:
speaking

Say 'We are currently in the middle of a financing round.'

Read this aloud:

정답! 아쉬워요. 정답:
speaking

Explain why '融资难' is a problem for the economy.

Read this aloud:

정답! 아쉬워요. 정답:
speaking

Describe a 'Business Plan' using the word 融资.

Read this aloud:

정답! 아쉬워요. 정답:
speaking

Pronounce the word '融资' three times with increasing speed.

Read this aloud:

정답! 아쉬워요. 정답:
speaking

Roleplay: You are a founder pitching to an investor. Mention your '融资需求'.

Read this aloud:

정답! 아쉬워요. 정답:
listening

Listen and identify the amount: '这次融资额度为三千万人民币。'

정답! 아쉬워요. 정답:
정답! 아쉬워요. 정답:
listening

Listen and identify the source: '我们向招商银行申请了融资。'

정답! 아쉬워요. 정답:
정답! 아쉬워요. 정답:
listening

Listen and identify the problem: '融资成本太高了。'

정답! 아쉬워요. 정답:
정답! 아쉬워요. 정답:
listening

Listen and identify the stage: '这是我们的天使轮融资。'

정답! 아쉬워요. 정답:
정답! 아쉬워요. 정답:
listening

Listen and identify the action: '董事会批准了融资方案。'

정답! 아쉬워요. 정답:
정답! 아쉬워요. 정답:
writing

Translate: 'We need to evaluate the financing risk.'

Well written! Good try! Check the sample answer below.

정답! 아쉬워요. 정답:
speaking

Say 'This is a great financing opportunity.'

Read this aloud:

정답! 아쉬워요. 정답:
writing

Translate: 'The project is currently seeking financing.'

Well written! Good try! Check the sample answer below.

정답! 아쉬워요. 정답:
speaking

How do you say 'debt financing'?

Read this aloud:

정답! 아쉬워요. 정답:
listening

Listen: '我们的融资目标是两千万。' What is the target?

정답! 아쉬워요. 정답:
정답! 아쉬워요. 정답:
writing

Write a sentence using '融资渠道' and '多元化'.

Well written! Good try! Check the sample answer below.

정답! 아쉬워요. 정답:
speaking

Say 'The bank approved our financing request.'

Read this aloud:

정답! 아쉬워요. 정답:
writing

Translate: 'The company's financing needs are growing rapidly.'

Well written! Good try! Check the sample answer below.

정답! 아쉬워요. 정답:
writing

Translate: 'We need to find a way to lower our financing costs.'

Well written! Good try! Check the sample answer below.

정답! 아쉬워요. 정답:
speaking

Explain the term 'A轮融资' in Chinese.

Read this aloud:

정답! 아쉬워요. 정답:
speaking

Say 'Financing is essential for business expansion.'

Read this aloud:

정답! 아쉬워요. 정답:
listening

Listen: '由于融资链断裂，这家公司破产了。' What caused the bankruptcy?

정답! 아쉬워요. 정답:
정답! 아쉬워요. 정답:
listening

Listen: '这次融资由红杉资本领投。' Who led the financing?

정답! 아쉬워요. 정답:
정답! 아쉬워요. 정답:
writing

Write a sentence about '融资风险'.

Well written! Good try! Check the sample answer below.

정답! 아쉬워요. 정답:
speaking

Say 'The financing environment is improving.'

Read this aloud:

정답! 아쉬워요. 정답:
writing

Translate: 'We successfully completed the angel round of financing.'

Well written! Good try! Check the sample answer below.

정답! 아쉬워요. 정답:
listening

Listen: '这次融资的估值是五亿。' What is the valuation?

정답! 아쉬워요. 정답:
정답! 아쉬워요. 정답:
writing

Describe the difference between 融资 and 筹款.

Well written! Good try! Check the sample answer below.

정답! 아쉬워요. 정답:
speaking

Say 'We are preparing for the next round of financing.'

Read this aloud:

정답! 아쉬워요. 정답:
writing

Translate: 'The financing gap is 10 million yuan.'

Well written! Good try! Check the sample answer below.

정답! 아쉬워요. 정답:
speaking

Discuss one advantage of 股权融资.

Read this aloud:

정답! 아쉬워요. 정답:
listening

Listen: '这是一次战略融资。' What kind of financing is it?

정답! 아쉬워요. 정답:
정답! 아쉬워요. 정답:
writing

Write a sentence using '融资' and '利息'.

Well written! Good try! Check the sample answer below.

정답! 아쉬워요. 정답:
speaking

Say 'We have multiple financing options.'

Read this aloud:

정답! 아쉬워요. 정답:
speaking

Say 'The financing process is very complicated.'

Read this aloud:

정답! 아쉬워요. 정답:
writing

Translate: 'The financing was led by a famous VC.'

Well written! Good try! Check the sample answer below.

정답! 아쉬워요. 정답:
listening

Listen: '融资效率需要提高。' What needs to be improved?

정답! 아쉬워요. 정답:
정답! 아쉬워요. 정답:
writing

Write a sentence using '融资' and '环境'.

Well written! Good try! Check the sample answer below.

정답! 아쉬워요. 정답:
speaking

Say 'We need a strategic investor for this financing round.'

Read this aloud:

정답! 아쉬워요. 정답:
writing

Translate: 'The company is facing a financing crisis.'

Well written! Good try! Check the sample answer below.

정답! 아쉬워요. 정답:
speaking

Say 'We completed our Series C financing last week.'

Read this aloud:

정답! 아쉬워요. 정답:
listening

Listen: '融资额度超出了预期。' Was the amount more or less than expected?

정답! 아쉬워요. 정답:
정답! 아쉬워요. 정답:
writing

Write a sentence about '融资难' and '中小企业'.

Well written! Good try! Check the sample answer below.

정답! 아쉬워요. 정답:
speaking

Say 'Thank you for your interest in our financing plan.'

Read this aloud:

정답! 아쉬워요. 정답:

/ 227 correct

Perfect score!

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