To provide a loan for business or investment purposes with an expectation of repayment.
Word in 30 Seconds
- To provide financial loans to businesses or individuals.
- Commonly used in banking and formal economic contexts.
- Involves evaluation of creditworthiness and interest payments.
Overview
- 1概要：融資するとは、貸し手が借り手に対して金銭を貸し付ける行為を指します。単なる個人的な貸し借りとは異なり、主に金融機関が利息を徴収することを前提として、事業計画や返済能力を審査した上で行われる経済活動です。2) 使用パターン：『AがBに融資する』という形で用いられます。また、受動態の『融資を受ける』という表現も非常に一般的です。3) 一般的な文脈：銀行の窓口業務、企業の設備投資、起業家の資金調達など、フォーマルな経済の現場で頻繁に使われます。4) 類語との比較：『貸す』は日常的な貸し借りに広く使われますが、『融資する』はより専門的で金融的な側面が強調されます。『出資する』は返済義務のない資本提供を指すため、返済が必要な『融資』とは根本的に異なります。
Examples
銀行が中小企業に融資する。
formalThe bank provides loans to small and medium-sized enterprises.
低金利で融資を受ける。
formalTo receive a loan at a low interest rate.
新規事業のために融資を申し込む。
formalTo apply for a loan for a new business.
融資の審査が通った。
formalThe loan application was approved.
Common Collocations
Common Phrases
融資枠
credit line
融資条件
loan terms
無担保融資
unsecured loan
Often Confused With
Refers to providing capital for equity/ownership. Does not require repayment, unlike a loan (融資).
A more technical or legal term for lending money. Often used in official banking documents.
Grammar Patterns
How to Use It
Usage Notes
This verb is strictly formal and usually reserved for financial institutions or corporate settings. Do not use it for personal lending between individuals, as it would sound overly stiff and technical. It is almost always paired with nouns related to finance or banking.
Common Mistakes
Learners often use it for personal favors, which is incorrect. Another error is confusing it with '出資' (investment). Always remember that '融資' creates a debt that must be paid back.
Tips
Focus on Professional Contexts
Use '融資する' only in formal or business situations. It sounds unnatural in casual conversation between friends.
Don't confuse with investment
Remember that '融資' requires repayment, whereas '出資' (investment) typically does not require repayment.
Banking culture in Japan
Japanese banks are often conservative, so '融資' often implies a strict screening process based on trust.
Word Origin
Derived from '融通' (finance/accommodation) and '資' (capital/resources). It captures the act of making capital flow to where it is needed.
Cultural Context
In Japan, the relationship between banks and companies is often deep-rooted. '融資' is a critical pillar of this relationship, representing the trust the bank places in a company's future.
Memory Tip
Think of '融' (melt/flow) and '資' (capital). Money flows from the bank to the business to keep it running.
Frequently Asked Questions
4 questions「貸す」は日常的な貸し借り全般に使われますが、「融資する」は銀行などの金融機関がビジネス目的で資金を提供する場合に限定されます。
一般的に事業計画書や決算書など、返済能力を証明する書類の提出と審査が必要です。
はい、融資は借金であるため、利息を含めて決められた期間内に返済する義務があります。
「貸付（かしつけ）」や「資金提供」などが近い意味を持ちます。
Test Yourself
銀行が新しい事業のために企業に___。
事業資金を貸し出す文脈なので「融資する」が最適です。
Score: /1
Summary
To provide a loan for business or investment purposes with an expectation of repayment.
- To provide financial loans to businesses or individuals.
- Commonly used in banking and formal economic contexts.
- Involves evaluation of creditworthiness and interest payments.
Focus on Professional Contexts
Use '融資する' only in formal or business situations. It sounds unnatural in casual conversation between friends.
Don't confuse with investment
Remember that '融資' requires repayment, whereas '出資' (investment) typically does not require repayment.
Banking culture in Japan
Japanese banks are often conservative, so '融資' often implies a strict screening process based on trust.
Examples
4 of 4銀行が中小企業に融資する。
The bank provides loans to small and medium-sized enterprises.
低金利で融資を受ける。
To receive a loan at a low interest rate.
新規事業のために融資を申し込む。
To apply for a loan for a new business.
融資の審査が通った。
The loan application was approved.
Related Content
This Word in Other Languages
Related Vocabulary
More business words
遅めに
B1Late or later than usual.
経理
B1Accounting, accounts department; managing financial records.
的確な
B1Accurate; precise; exactly correct.
達成する
B1To achieve; to accomplish a goal.
活性化
B2To make something more active, lively, or effective. It is used for communities (revitalization), economies (stimulation), and biological processes (activation).
付加
B2To add or attach something extra to an existing thing to increase its value or function.
優位性
B2The state of being in a superior or more advantageous position compared to others; an edge or competitive advantage.
有利
A2Advantageous, favorable; beneficial in a situation.
有利に
B1Advantageously; favorably.
宣伝する
B1To promote; to publicize; to advertise.
