This page in your language
فارسی العربية Deutsch Español Français 日本語 한국어 Português 中文 हिन्दी
A1 noun #2,867 most common 14 min read

貸付

kashitsuke
Practice it Examples Notes & Tips 貸付 in 30 Seconds
Explanation 貸付 in your Level:
Even at the A1 level, which is the very beginning of your Japanese language learning journey, it is incredibly useful to start familiarizing yourself with words that you might see in everyday life in Japan. While this specific word is generally considered to be more advanced, perhaps around the B2 or C1 level in terms of active usage, you will still encounter it passively if you live in or visit Japan. For example, if you walk past a bank, a credit union, or a consumer finance company, you might see this word written on signs, posters, or digital displays. Recognizing the characters can help you understand the general purpose of the business or the service being advertised. At this stage, you do not need to worry about using the word in your own conversations. Instead, focus on simply recognizing its shape and understanding its core meaning: the act of lending money. You can think of it as a vocabulary building block that will serve you well in the future. When you see the first character, you can associate it with the concept of lending, which will also help you learn other related words. The second character is also very common and appears in many other useful words. By breaking the word down into its component parts, you can make it easier to remember. As an A1 learner, your primary goal is to build a strong foundation of basic vocabulary and grammar. However, exposing yourself to more advanced words in their natural context can accelerate your learning process and give you a better sense of how the language is actually used in the real world. Do not feel overwhelmed by the complexity of the word or its formal usage. Just treat it as a visual cue that you can recognize when you are out and about. Over time, as you progress to higher levels, you will gradually learn how to use this word actively in sentences and conversations. For now, simply add it to your passive vocabulary and give yourself a pat on the back every time you spot it on a sign or in a brochure. This kind of passive recognition is a crucial first step in the language acquisition process, and it will make it much easier for you to fully master the word when you formally study it later on. Keep up the great work with your A1 studies, and remember that every little bit of exposure helps!
At the A2 level, you are beginning to form more complex sentences and understand a wider variety of everyday situations. While this word is still quite formal for your active vocabulary, you can start to understand how it fits into basic sentence structures. You might see it in simple news headlines or hear it in basic announcements at a bank. At this stage, you should focus on recognizing the word when it is combined with common verbs like 'suru' (to do) or 'ukeru' (to receive). For example, understanding the difference between a bank 'doing' a loan and a person 'receiving' a loan is a great step forward. You can also start to practice reading the kanji characters. The first character, 'kashi', is one you should definitely know by now, as it is used in the simple verb 'kasu' (to lend). The second character, 'tsuke', is also common. By putting them together, you can deduce the meaning even if you forget the exact pronunciation. Try to write out a few simple sentences using the word, even if they are just for practice. For instance, 'The bank lends money' is a perfectly good A2-level sentence to translate and practice. Remember that at this level, your goal is to expand your comprehension and start bridging the gap between casual, everyday Japanese and more formal, written Japanese. This word is a perfect example of that bridge. Do not worry if you make mistakes when trying to use it; the important thing is that you are challenging yourself and expanding your boundaries. Keep reading simple texts, looking out for this word and others like it, and you will find that your understanding of Japanese society and its systems will grow alongside your language skills. You are doing wonderfully, so keep pushing forward and embracing these new vocabulary challenges!
Sign up free to read full explanation
Reaching the B1 level means you are now capable of handling most situations that arise while traveling or living in Japan, and you are starting to express opinions and understand more abstract concepts. This is the perfect time to start actively incorporating this word into your vocabulary, especially if you have any interest in business, economics, or working in Japan. At this stage, you should be able to read and understand short news articles or informational brochures about financial services. You will see this word used in discussions about interest rates, repayment plans, and government support programs. You should practice using it in your own writing and speaking, perhaps by summarizing a news article you read or discussing a hypothetical business scenario. Pay attention to the particles used with the word, such as 'ni' for the recipient of the loan and 'wo' for the loan itself. You should also start learning some of the common compound words associated with it, such as the term for the loan amount or the loan conditions. These compound words will significantly boost your reading comprehension in professional contexts. Furthermore, try to distinguish this word from its synonyms, like the word for 'financing' or the general word for 'lending out'. Understanding these subtle nuances is a hallmark of a B1 learner. Do not be afraid to use the word in your language exchange sessions or with your teacher. They can provide valuable feedback on your pronunciation and usage. By mastering this word at the B1 level, you are laying a solid foundation for advanced business Japanese and proving that you can handle specialized vocabulary with confidence. Keep reading, keep practicing, and enjoy the process of unlocking new levels of fluency!
Sign up free to read full explanation
At the B2 level, you are considered an independent user of the language, capable of understanding the main ideas of complex text on both concrete and abstract topics. This word should now be a comfortable and familiar part of your active vocabulary. You will encounter it frequently in authentic materials such as business newspapers, corporate reports, and news broadcasts. You should be able to understand detailed discussions about monetary policy, corporate debt structures, and financial regulations where this word is used extensively. In your own output, you should be able to use the word accurately and naturally in professional contexts. For example, you could write a formal email inquiring about loan conditions or participate in a meeting discussing a company's financing strategy. You should also be fully aware of the correct register; you know that this word is appropriate for formal business settings but too stiff for casual conversations. At this level, you should also be comfortable with the passive voice and causative forms associated with the word, allowing you to describe complex financial relationships with precision. Challenge yourself by reading in-depth articles about the Japanese economy and summarizing them using this vocabulary. You can also practice translating financial documents from your native language into Japanese, ensuring you use the correct terminology. Your mastery of this word at the B2 level demonstrates your ability to navigate the professional world in Japan and communicate effectively on specialized topics. Continue to refine your understanding of its nuances and collocations, and you will be well on your way to advanced fluency. Excellent work reaching this stage!
Sign up free to read full explanation
As a C1 learner, you possess a high level of proficiency and can express yourself fluently and spontaneously without much obvious searching for expressions. This word is now merely one of many specialized terms in your extensive vocabulary arsenal. You are expected to understand its usage in highly complex and technical contexts, such as legal contracts, academic papers on economics, and detailed financial analyses. You can effortlessly distinguish between this word and its close synonyms, choosing the exact right term to convey your precise meaning. You understand the historical and cultural context of lending in Japan and how it influences modern business practices. In your professional life, you can negotiate loan terms, draft financial reports, and give presentations on corporate finance using this word and its related collocations flawlessly. You are also attuned to the subtle implications of the word in different contexts; for instance, how a government announcement about expanding these services might signal a shift in economic policy. To further hone your skills, engage in debates or discussions about economic issues, read academic journals, and expose yourself to the highest levels of professional Japanese. Your ability to use this word accurately and elegantly is a testament to your hard work and dedication to mastering the language. You are now communicating at a near-native level in professional settings, which is an incredible achievement. Keep challenging yourself with complex texts and sophisticated conversations to maintain and expand your impressive linguistic capabilities.
Sign up free to read full explanation
At the C2 level, you have achieved mastery of the Japanese language, demonstrating a level of comprehension and expression comparable to that of a highly educated native speaker. Your understanding of this word goes far beyond its basic definition; you grasp its etymology, its role in shaping economic discourse, and its subtle psychological impact in negotiations. You can read and critique complex legal documents, identifying potential loopholes or ambiguities in the clauses related to these financial agreements. You can write persuasive essays or reports on macroeconomic trends, using this vocabulary to articulate sophisticated arguments about monetary policy and market liquidity. You are comfortable using the word in idiomatic or metaphorical ways, if applicable, and you can seamlessly adapt your register to suit any audience, from a board of directors to a general public audience. You can also analyze how the media uses this term to frame economic news and influence public opinion. At this pinnacle of language learning, your goal is to continue refining your stylistic elegance and deepening your cultural and historical knowledge. Engage with classic economic texts, participate in high-level professional forums, and perhaps even contribute your own writings to Japanese publications. Your flawless command of this word, along with the rest of your vocabulary, allows you to participate fully and authoritatively in any aspect of Japanese society. Congratulations on reaching this extraordinary level of proficiency!
Sign up free to read full explanation
Practice it Examples Notes & Tips

貸付 in 30 Seconds

  • Formal lending of money.
  • Used by banks and institutions.
  • Not for casual personal loans.
  • Often involves interest rates.
The Japanese word kashitsuke is a highly important term in the realm of finance, business, and legal agreements. When we examine the fundamental meaning of this word, we can see that it refers to the formal act of lending money or capital to another party. This is not the kind of casual borrowing you might do with a friend or family member. Instead, it involves a structured agreement, typically with the expectation of repayment along with some form of interest. Understanding this distinction is absolutely crucial for anyone looking to navigate the Japanese business world or comprehend financial news in Japan. The characters that make up this word are also very revealing. The first character means to lend, and the second character means to attach or hand over. Together, they create a strong image of officially handing over resources to someone else.
Formal Lending
The official process of providing funds to a borrower under specific terms and conditions.

銀行が企業に資金を貸付する。

In modern Japan, you will frequently encounter this term in banking institutions, government loan programs, and corporate financial reports. It is a word that carries a significant amount of weight and formality. Let us look at some specific examples and structures to better understand how this word functions in everyday and professional contexts. The concept of lending in Japan has a long and complex history, evolving from traditional agricultural loans to the highly sophisticated financial instruments we see today. In the past, local merchants and wealthy landowners would provide capital to farmers or smaller businesses, often using a variety of terms to describe these transactions.
Interest Rates
Loans usually come with an interest rate, which is a key component of the lending agreement.

新しい貸付制度が始まりました。

However, as Japan modernized and adopted Western banking practices during the Meiji period, the terminology became more standardized. The word kashitsuke emerged as a standard legal and financial term to describe these formal lending agreements. Today, it is used by the Bank of Japan, commercial banks, credit unions, and other financial entities. When you are reading a Japanese newspaper, such as the Nikkei Shimbun, you will almost certainly come across this word in the business section. It might be used in headlines discussing the latest monetary policy decisions, or in articles detailing the financial health of a particular corporation.
Corporate Finance
In the corporate world, securing a loan is often essential for expansion and operational stability.

政府は中小企業への貸付を拡大した。

For language learners, mastering this word is a key step towards achieving fluency in business Japanese. It opens up a whole new level of comprehension and allows you to engage in more complex and meaningful conversations about economics and finance. Furthermore, it is important to distinguish this word from other similar terms. While there are many words for lending and borrowing in Japanese, each has its own specific nuance and appropriate context.

無利子での貸付を希望しています。

Using the wrong word can make you sound unprofessional or even lead to misunderstandings in a business setting. Therefore, taking the time to truly understand the precise meaning and usage of this word is a worthwhile investment for any serious student of the Japanese language. As you continue to study and practice, you will become more comfortable with these subtle distinctions and be able to use the language with greater precision and confidence.

そのプロジェクトのための貸付が承認された。

Remember that language learning is a journey, and every new word you acquire is a valuable tool in your linguistic toolkit. Keep exposing yourself to authentic Japanese materials, and you will soon find that words like this one become second nature to you, allowing you to navigate the complex world of Japanese finance with ease and expertise.
Using the word kashitsuke correctly requires an understanding of its formal nature and the specific grammatical structures it typically appears in. Because it is a noun, it is often combined with the verb suru to form a suru-verb, meaning 'to lend' or 'to execute a loan.' This is perhaps the most common way you will see it used in active sentences. For example, a bank might say they are going to kashitsuke suru to a small business. It is vital to remember that the subject of this action is almost always an institution, a company, or a government body, rather than an individual person.
Verb Combination
Combine with 'suru' to create the action of lending.

当社は個人向けの貸付を行っていません。

In addition to being used as a verb, it frequently appears as part of compound nouns. For instance, kashitsukekin refers to the actual loan money or the principal amount that has been lent. Kashitsuke joken refers to the terms and conditions of the loan. These compound words are ubiquitous in financial contracts and loan agreements. When you are reviewing a contract, paying close attention to these compound terms will help you understand the exact nature of the financial arrangement.
Compound Nouns
Forms many financial terms like loan amount or loan conditions.

貸付金利が上昇している。

Another common grammatical pattern involves using the particle 'ni' to indicate the recipient of the loan. For example, 'kigyou ni kashitsuke wo okonau' means 'to provide a loan to a company.' The use of 'okonau' (to conduct/perform) instead of 'suru' elevates the formality of the sentence, making it highly appropriate for official reports and news broadcasts. You will rarely hear someone say 'tomodachi ni kashitsuke suru' because it sounds overly bureaucratic for a simple favor between friends.
Target Particle
Use the particle 'ni' to mark who is receiving the loan.

学生への貸付制度を利用する。

Furthermore, the term can be used in passive constructions. If a company receives a loan, they might say 'kashitsuke wo ukeru' (to receive a loan). This perspective shifts the focus from the lender to the borrower. Understanding both the active and passive usages is essential for fully comprehending business discussions and negotiations. In a meeting, a financial officer might discuss the company's strategy for securing new loans, utilizing these exact phrases to convey their plans clearly and professionally to the board of directors.

銀行からの貸付を受けることができた。

It is also worth noting that the term is strictly related to the provision of funds. It is not used for lending physical objects like books, cars, or equipment. For physical items, words like 'kashidashi' or simply 'kasu' are much more appropriate. Mixing these up is a common error for learners, so keeping the strict association between kashitsuke and financial capital will help you avoid awkward mistakes.

違法な貸付には注意してください。

By mastering these various grammatical patterns and understanding the specific contexts in which they are appropriate, you will significantly enhance your ability to communicate effectively in Japanese business environments. Practice creating your own sentences using these structures, and try to incorporate them into your professional vocabulary. Over time, the correct usage will become intuitive, and you will be able to discuss complex financial matters with confidence and accuracy.
You will primarily hear and see the word kashitsuke in environments that deal with money, finance, and legal agreements. One of the most common places is within a bank or a credit union. If you walk into a Japanese financial institution, you might see brochures or posters advertising various loan products, such as housing loans, education loans, or business loans. These materials will frequently use the term to describe the services they are offering to their customers. The formal tone of the word matches the serious nature of borrowing money from a regulated institution.
Banks
The most common physical location to encounter this term on signs and brochures.

銀行の窓口で貸付の相談をした。

Another major context is the news media, particularly in the business and economics sections of newspapers like the Nikkei Shimbun, or during the economic segments of television news broadcasts. When reporters discuss the actions of the Bank of Japan, government stimulus packages, or the financial strategies of major corporations, this word is a staple of their vocabulary. They might report on the total volume of loans issued in a given quarter or changes in the interest rates applied to these loans.
News Media
Frequently used by journalists reporting on economic trends and corporate finance.

ニュースで新しい貸付プログラムについて聞いた。

You will also encounter this term extensively in legal and corporate documents. If you are working in Japan or dealing with Japanese companies, you may need to review contracts, financial statements, or annual reports. In these documents, the term is used to precisely define the flow of capital and the obligations of the parties involved. The language in these documents is highly standardized, and understanding this specific terminology is crucial for accurate comprehension and legal compliance.
Legal Documents
Standard terminology in contracts to define financial obligations.

契約書の貸付条件をよく確認する。

Furthermore, government offices and public institutions often use this word when discussing public assistance programs, student loans, or disaster relief funds. For example, the Japan Student Services Organization (JASSO) provides scholarships and loans to students, and the documentation for these programs heavily features this terminology. Similarly, during times of economic crisis or natural disasters, the government may announce special loan programs for affected businesses, utilizing this word in their official press releases and public announcements.

市役所で事業用貸付の申請を行った。

Finally, you might hear this word in academic settings, particularly in university courses focused on economics, finance, or business administration. Professors and textbooks will use the term to explain economic theories, banking systems, and corporate finance strategies. For students studying these subjects in Japanese, mastering this vocabulary is essential for passing exams and participating in class discussions.

経済学の授業で貸付のメカニズムを学んだ。

In summary, while you may not hear this word in casual conversations at a cafe or an izakaya, it is absolutely pervasive in the professional, financial, and legal spheres of Japanese society. Being able to recognize and understand it in these contexts will greatly enhance your ability to function effectively in Japan's business environment and stay informed about the country's economic landscape.
When learning the word kashitsuke, students often make several predictable mistakes, primarily due to confusion with other words that have similar English translations. The most frequent error is using this word to describe lending physical objects. In English, we use the word 'lend' for both money and items like books, pens, or cars. However, in Japanese, kashitsuke is strictly reserved for financial capital. If you say 'tomodachi ni hon wo kashitsuke suru' (I will lend a book to my friend), it sounds absurdly formal and incorrect, as if you are setting up a financial contract for a paperback novel.
Physical Objects
Never use this word for lending items like books or equipment.

❌ 友達にペンを貸付した。 (Incorrect)

Another common mistake is confusing it with the word 'yuushi' (financing). While both terms relate to providing funds, they have slightly different nuances. Kashitsuke is a broader term that simply means the act of lending money, whereas yuushi often implies providing funds for a specific purpose, such as business investment or project financing, and carries a slightly more positive or supportive connotation. Using them interchangeably is not always wrong, but understanding the subtle difference can make your Japanese sound much more natural and precise in a business context.
Nuance Differences
Understand the difference between simple lending and strategic financing.

⭕ 銀行が企業に貸付を行う。 (Correct)

Students also sometimes struggle with the directionality of the word. Kashitsuke specifically means lending (giving money). The opposite action, borrowing (receiving money), is 'kariire' or 'shakkin'. Mixing up the lender and the borrower in a sentence can completely change the meaning of a financial statement or contract. Always double-check your particles ('ga' for the lender, 'ni' for the borrower) to ensure you are accurately describing the flow of funds.
Direction of Funds
Ensure you are describing the lender, not the borrower.

❌ 私は銀行から貸付した。 (Incorrect - should be 借入した)

Furthermore, learners sometimes mispronounce the word, particularly the pitch accent. In standard Tokyo dialect, the pitch starts low on 'ka', rises on 'shi', and stays high for 'tsuke'. Incorrect pitch accent might not completely obscure your meaning, but it can make you sound less fluent and confident during a professional presentation. Taking the time to listen to native speakers and mimic their intonation will help you avoid this subtle but important mistake.

正しい発音で貸付と言う練習をする。

Finally, a less common but still notable mistake is using the word in overly casual situations. Even if you are lending money to a friend, using this word makes the situation sound like a formal business transaction, which can create an awkward social dynamic. For personal loans between friends or family, it is much better to use the simple verb 'kasu' (to lend) or the noun 'kashikari' (lending and borrowing).

友達同士のお金のやり取りに貸付は使わない。

By being aware of these common pitfalls and actively practicing the correct usage, you can master this important financial term and use it with the same confidence and accuracy as a native Japanese business professional.
The Japanese language is rich with vocabulary related to finance and transactions, and there are several words that are similar to kashitsuke but have distinct meanings and usages. Understanding these synonyms and related terms is crucial for developing a nuanced and professional vocabulary. One of the most closely related words is 'yuushi' (融資). As mentioned earlier, yuushi also means financing or lending, but it often carries a connotation of providing capital to support a business venture or a specific project. It sounds slightly more strategic and supportive than the purely transactional kashitsuke.
Yuushi (融資)
Financing, often for business support or specific projects.

銀行から事業拡大のための融資を受けた。

Another important related word is 'kashidashi' (貸し出し). This word is much broader and can be used for both money and physical objects. For example, a library uses kashidashi for lending books, and a rental shop uses it for lending DVDs or equipment. While banks do sometimes use kashidashi to refer to their loan portfolio in a general sense, kashitsuke is the more precise and formal term for the specific legal act of lending money.
Kashidashi (貸し出し)
Lending out, applicable to both money and physical items like books.

図書館の貸し出しサービスを利用する。

For the opposite action, borrowing, the key terms are 'kariire' (借入) and 'shakkin' (借金). Kariire is the formal, business-appropriate term for borrowing funds, often used as the direct antonym to kashitsuke in corporate accounting. Shakkin, on the other hand, is a more common, everyday word for debt or a loan, and it can sometimes carry a negative connotation of being burdened by debt. In a professional setting, you would almost always use kariire rather than shakkin to maintain a formal tone.
Kariire (借入)
The formal term for borrowing, the direct antonym in business contexts.

新しい設備のために資金を借入する。

Additionally, the simple verb 'kasu' (貸す) is the fundamental root of many of these words. It simply means 'to lend' and is appropriate for everyday, casual situations, whether you are lending a friend 1,000 yen for lunch or lending them your umbrella. It lacks the formality and institutional weight of kashitsuke, making it the safest choice for daily conversations.

友達に千円を貸した。

Finally, terms like 'ro-n' (ローン), borrowed from English, are extremely common in consumer finance, such as 'juutaku ro-n' (housing loan) or 'kaa ro-n' (car loan). While these represent specific types of kashitsuke, the English loanword is preferred in consumer-facing marketing because it sounds more accessible and familiar to the general public.

住宅ローンを組んで家を買う。

By studying these similar words and understanding their specific nuances, you can greatly expand your financial vocabulary and ensure that you are always using the most appropriate term for the situation at hand.

How Formal Is It?

Difficulty Rating

Grammar to Know

Noun + を行う (Formal action)

Noun + を受ける (Receiving an action)

Noun + 向け (Aimed at)

Noun + に基づく (Based on)

Noun + として (As a)

Sign up free to read full explanation

Examples by Level

1

銀行に貸付のポスターがあります。

There is a loan poster at the bank.

Noun + no + noun pattern.

2

貸付は難しい言葉です。

Lending is a difficult word.

Basic A wa B desu structure.

3

これは貸付の書類ですか？

Is this a loan document?

Question particle 'ka'.

4

貸付の窓口はどこですか？

Where is the loan counter?

Asking for location with 'doko'.

5

貸付の漢字を勉強します。

I will study the kanji for lending.

Object particle 'wo' with verb 'benkyou shimasu'.

6

あの看板に貸付と書いてあります。

It says lending on that sign.

'to kaite arimasu' for written states.

7

貸付の意味がわかりません。

I don't understand the meaning of lending.

Negative verb 'wakarimasen'.

8

銀行は貸付をします。

Banks do lending.

Subject particle 'wa' and verb 'shimasu'.

1

銀行が会社に貸付をしました。

The bank made a loan to the company.

Past tense 'shimashita'.

2

貸付のお金はいくらですか？

How much is the loan money?

Asking for amount with 'ikura'.

3

新しい貸付のルールを読みました。

I read the new loan rules.

Adjective 'atarashii' modifying a noun phrase.

4

貸付を受けるために銀行へ行きます。

I will go to the bank to receive a loan.

Purpose with 'tame ni'.

5

この貸付は利子が低いです。

This loan has low interest.

Adjective 'hikui' describing a property.

6

貸付の申し込みをしたいです。

I want to apply for a loan.

Desire form 'tai'.

7

貸付について教えてください。

Please tell me about the loan.

'ni tsuite' meaning 'about'.

8

貸付の期間は一年間です。

The loan period is one year.

Time duration 'ichinenkan'.

1

中小企業向けの貸付制度が新しくなりました。

The loan system for small and medium enterprises has been updated.

'muke' meaning 'aimed at'.

2

貸付条件を確認してからサインしてください。

Please check the loan conditions before signing.

'te kara' meaning 'after doing'.

3

無利子での貸付を行っている団体があります。

There are organizations that offer interest-free loans.

'de no' linking a condition to a noun.

4

銀行は貸付の審査を厳しくしました。

The bank has made the loan screening stricter.

Adverbial use of adjective 'kibishiku'.

5

貸付金利が上がると、企業の負担が増えます。

When loan interest rates rise, the burden on companies increases.

Conditional 'to'.

6

政府は災害復旧のための特別貸付を発表した。

The government announced special loans for disaster recovery.

Formal past tense 'happyou shita'.

7

貸付残高が過去最高を記録しました。

The outstanding loan balance reached a record high.

'kako saikou' meaning 'record high'.

8

そのプロジェクトには多額の貸付が必要です。

A large loan is necessary for that project.

'hitsuyou' (necessary) with particle 'ga'.

1

日銀の金融緩和策により、民間銀行の貸付余力は拡大している。

Due to the BOJ's monetary easing, the lending capacity of commercial banks is expanding.

'ni yori' indicating cause/reason.

2

不良債権の増加は、銀行の新規貸付を抑制する要因となる。

An increase in non-performing loans becomes a factor that suppresses new lending by banks.

'youin to naru' meaning 'becomes a factor'.

3

当該企業への貸付にあたっては、厳格な担保評価が求められる。

Strict collateral evaluation is required when lending to the said company.

'ni atatte wa' meaning 'upon / when doing'.

4

シンジケートローンによる大規模な貸付が実行された。

A large-scale loan via a syndicated loan was executed.

Passive voice 'jikkou sareta'.

5

貸付債権の証券化は、リスク分散の有効な手段である。

The securitization of loan receivables is an effective means of risk diversification.

Formal copula 'de aru'.

6

海外インフラ事業に対する協調貸付の枠組みが合意に達した。

An agreement was reached on a framework for co-financing overseas infrastructure projects.

'ni taisuru' meaning 'towards / regarding'.

7

貸付金の回収が滞り、キャッシュフローが悪化している。

The collection of loans is delayed, and cash flow is deteriorating.

Verb stem 'todokoori' used as a conjunction.

8

グリーンプロジェクトに限定した貸付、いわゆるグリーンローンが注目を集めている。

Lending restricted to green projects, so-called green loans, is attracting attention.

'ni gentei shita' meaning 'limited to'.

1

自己資本比率の規制強化が、金融機関の貸付態度にどのような影響を及ぼすか注視する必要がある。

It is necessary to closely monitor how the tightening of capital adequacy ratio regulations will affect the lending attitudes of financial institutions.

Embedded question with 'ka'.

2

劣後ローンなどの資本性貸付は、企業の財務体質強化に資する。

Capital-like lending, such as subordinated loans, contributes to strengthening a company's financial structure.

'ni shisuru' meaning 'contributes to'.

3

貸付約款の免責条項の解釈を巡り、法廷で激しい争いが繰り広げられた。

A fierce dispute unfolded in court over the interpretation of the exemption clauses in the loan agreement.

'wo meguri' meaning 'concerning / over'.

4

マクロプルデンスの観点から、過度な不動産向け貸付の集中は是正されるべきだ。

From a macroprudential perspective, the excessive concentration of lending to the real estate sector should be corrected.

'beki da' indicating strong recommendation/obligation.

5

貸付ポートフォリオのストレステストを実施し、潜在的な信用リスクを定量化する。

Conduct stress tests on the loan portfolio to quantify potential credit risks.

Compound verbs and technical jargon.

6

金銭消費貸借契約に基づく貸付金の返済請求権が時効により消滅した。

The right to claim repayment of the loan based on the monetary loan agreement was extinguished by prescription.

'ni motozuku' meaning 'based on'.

7

ノンリコースローンは、対象資産から生み出されるキャッシュフローのみを返済原資とする貸付形態である。

A non-recourse loan is a form of lending where only the cash flow generated from the target asset is the source of repayment.

Complex modifying clauses.

8

中央銀行による最後の貸手としての機能が、金融システムのパニックを未然に防いだ。

The central bank's function as the lender of last resort prevented a panic in the financial system.

'toshite no' meaning 'as a'.

1

信用創造のメカニズムにおいて、商業銀行の貸付行動はマネーサプライの内生的な決定要因として極めて重要な役割を担う。

In the mechanism of credit creation, the lending behavior of commercial banks plays an extremely important role as an endogenous determinant of the money supply.

Highly academic vocabulary and structure.

2

情報の非対称性に起因する逆選択やモラルハザードをいかに克服するかが、貸付市場における永遠の課題である。

How to overcome adverse selection and moral hazard caused by information asymmetry is an eternal challenge in the lending market.

'ni kiin suru' meaning 'caused by / originating from'.

3

シャドーバンキングシステムを通じた不透明な貸付の膨張が、システミックリスクの温床となっているとの指摘がある。

It has been pointed out that the expansion of opaque lending through the shadow banking system is a hotbed of systemic risk.

'to no shiteki ga aru' meaning 'it is pointed out that'.

4

約定利息に加え、遅延損害金や違約金に関する条項が貸付契約書に精緻に規定されている。

In addition to the stipulated interest, clauses regarding default interest and penalties are elaborately stipulated in the loan agreement.

'ni kuwae' meaning 'in addition to'.

5

デフォルト時の回収率（LGD）を精緻に推計することは、貸付債権の適正なプライシングに不可欠である。

Elaborately estimating the Loss Given Default (LGD) is essential for the proper pricing of loan receivables.

Use of acronyms and highly specialized finance terms.

6

金融仲介機能の低下は、信用収縮をもたらし、実体経済への貸付資金の波及経路を根底から毀損する恐れがある。

A decline in the financial intermediation function could lead to a credit crunch and fundamentally damage the transmission channel of loan funds to the real economy.

'osore ga aru' meaning 'there is a fear/risk that'.

7

関係性バンキングに基づく長期的な貸付関係は、借り手企業の情報の生産と蓄積を促進する効果を持つ。

Long-term lending relationships based on relationship banking have the effect of promoting the production and accumulation of information on borrower companies.

Academic economic theory terminology.

8

シンジケーションにおけるアレンジャーの役割は、参加金融機関間の利害調整を図り、円滑な貸付実行を主導することにある。

The role of the arranger in a syndication is to coordinate the interests among participating financial institutions and lead the smooth execution of the loan.

'ni aru' indicating the core essence or location of a role.

Synonyms

貸与 融資 ローン 貸し出し 出融資

Antonyms

借入 返済 償還

Common Collocations

貸付を行う
貸付を受ける
貸付金利
貸付条件
貸付残高
特別貸付
無利子貸付
貸付制度
新規貸付
貸付期間

Common Phrases

貸付の申し込みをする
貸付の審査に通る
貸付を断られる
貸付の条件を変更する
貸付金を回収する
貸付の契約を結ぶ
貸付の枠を拡大する
貸付の金利を下げる
貸付の対象となる
貸付の限度額

Often Confused With

貸付 vs 融資 (Yuushi - Financing, often with a supportive nuance)

貸付 vs 貸し出し (Kashidashi - Lending out, can be for physical items)

貸付 vs 借入 (Kariire - Borrowing, the exact opposite action)

Idioms & Expressions

"貸付に焦げ付く"
"貸付を渋る"
"貸付を引き揚げる"
"貸付をストップする"
"貸付を再開する"
"貸付を一本化する"
"貸付を肩代わりする"
"貸付を証券化する"
"貸付をリスケジュールする"
"貸付をロールオーバーする"

Easily Confused

貸付 vs

貸付 vs

貸付 vs

貸付 vs

貸付 vs

Sentence Patterns

Sign up free to see all examples

How to Use It

nuance

Implies a structured, often institutional, financial agreement with terms and conditions.

formality

Very high. Appropriate for written contracts, news, and formal business meetings.

Common Mistakes
  • Using kashitsuke for lending physical objects like books or pens.
  • Confusing the lender and the borrower by using the wrong particles (e.g., using 'ni' for the lender).
  • Using the word in casual conversations with friends or family.
  • Mispronouncing the pitch accent, which should be flat (heiban).
  • Confusing it with 'shakkin', which means debt or borrowing, not lending.

Tips

Formal Contexts Only

Reserve this word strictly for business, legal, and financial contexts. Using it in casual conversation sounds unnatural.

Pair with Okonau

To sound highly professional, use 'kashitsuke wo okonau' instead of 'kashitsuke suru'. It elevates the formality of your sentence.

Learn Compound Words

Memorize common compounds like 'kashitsukekin' (loan amount) and 'kashitsuke joken' (loan conditions) to boost your reading speed.

Money vs. Objects

Never use this word for lending physical items like books or cars. It is exclusively for financial capital.

News Broadcasts

Watch the economic segment of Japanese news to hear this word used naturally in context. Pay attention to the surrounding vocabulary.

Financial Statements

If you work in business, look for this word on the asset side of a Japanese balance sheet to understand the company's lending activities.

Pitch Accent

Practice the flat (heiban) pitch accent. Incorrect pitch can make you sound less confident in a professional setting.

Correct Particles

Always double-check your particles. Use 'ni' for the borrower to ensure the direction of the money flow is clear.

Yuushi vs Kashitsuke

Remember that 'yuushi' implies financing for a purpose, while 'kashitsuke' is the direct act of lending. Choose the one that fits your nuance.

Know the Opposite

Always pair your knowledge of 'kashitsuke' (lending) with 'kariire' (borrowing) to fully understand financial transactions.

Memorize It

Mnemonic

Imagine a CASH (kashi) register printing a TICKET (tsuke) for a formal bank loan.

Word Origin

Native Japanese origin (Wago) combined to form a formal compound noun describing the specific action of handing over lent items, specifically money in modern usage.

Cultural Context

Do not use this word when lending a small amount of money to a friend, as it implies a lack of trust and a desire for a formal contract.

Highly formal, used in business and official documents.

Practice in Real Life

Real-World Contexts

Conversation Starters

"最近の銀行の貸付金利についてどう思いますか？"

"政府の新しい貸付制度を利用する予定はありますか？"

"企業の貸付残高が増加している理由は何でしょうか？"

"無利子貸付の条件について教えていただけますか？"

"学生向けの貸付について調べたことはありますか？"

Journal Prompts

Write about a time you or someone you know applied for a loan (using kashitsuke if it was formal).

Discuss the pros and cons of government-backed business loans.

Explain the difference between kashitsuke and yuushi in your own words.

Describe the process of securing a housing loan in Japan.

Analyze a recent news article about the Bank of Japan's lending policies.

Frequently Asked Questions

10 questions

No, kashitsuke is strictly for lending money or capital, usually in a formal or institutional context. For lending a book, you should use the verb 'kasu' (貸す) or the noun 'kashidashi' (貸し出し). Using kashitsuke for a book sounds very strange and overly bureaucratic. It implies you are setting up a financial contract for the book. Stick to simpler words for physical objects.

Both words mean lending or financing, but they have slightly different nuances. Kashitsuke is a direct, somewhat dry term for the act of lending money. Yuushi often carries a nuance of providing funds to support a specific business venture or project. Banks might use yuushi when marketing their services to sound more supportive, while legal contracts will use kashitsuke for precision.

Yes, kashitsuke can be used as a suru-verb (貸付する) to mean 'to lend'. However, in formal business writing, it is more common to see it paired with the verb 'okonau' (貸付を行う), which means 'to conduct a loan'. Both are grammatically correct, but 'okonau' sounds more professional and is preferred in official documents.

The direct opposite of kashitsuke (lending) in a formal business context is kariire (借入), which means borrowing. If a bank does kashitsuke, the company does kariire. In everyday language, the opposite of lending (kasu) is borrowing (kariru), and the word for debt is shakkin (借金). Always use kariire in professional settings.

The pronunciation is ka-shi-tsu-ke. In standard Tokyo dialect, it has a 'heiban' (flat) pitch accent. This means the pitch starts low on 'ka', rises on 'shi', and stays high for 'tsu' and 'ke'. Practicing this flat intonation will help you sound more like a native speaker, especially in formal business settings.

Kashitsukekin (貸付金) is a compound noun that translates to 'loan receivable' or simply 'loan money'. It refers to the actual funds that have been lent out. In accounting, it is recorded as an asset on the lender's balance sheet. You will see this term frequently in corporate financial statements.

Yes, absolutely. The government and its affiliated agencies frequently use the term kashitsuke for their loan programs. For example, special disaster relief loans or student loans provided by public institutions are officially referred to using this term. It perfectly matches the formal, institutional nature of the word.

Yes, consumer finance companies use kashitsuke to describe their lending activities. However, in their consumer-facing marketing and advertisements, they often prefer the English loanword 'ro-n' (ローン), as it sounds softer and more approachable. But in the fine print of the contract, you will see kashitsuke.

When describing the act of lending, the lender is marked with 'ga' or 'wa', and the borrower (the recipient of the loan) is marked with 'ni'. The loan itself or the action is marked with 'wo'. For example: Ginkou (bank) ga kigyou (company) ni kashitsuke wo okonau. (The bank lends to the company).

Yes, kashitsuke is an advanced vocabulary word that typically appears at the N1 level of the Japanese Language Proficiency Test (JLPT). It may appear in the reading comprehension section, particularly in articles related to business or economics, or in the vocabulary section testing exact usage and synonyms.

Sign up free for tips & notes

Test Yourself 180 questions

/ 180 correct

Perfect score!

Sign up free to practice

Related Content

More Money words

会計

A1

Refers to the process of accounting, managing finances, or settling a bill. In daily life, it is most commonly used when asking for the check at a restaurant or shop.

騰貴

A1

A sharp or sudden increase in the price or value of something, such as goods, land, or stocks. It is primarily used in economic contexts to describe significant inflation or market spikes.

収支

A1

The balance between income and expenditure; the total amount of money coming in versus money going out. It is used to describe the financial state of an individual, household, or organization.

残高

A1

The amount of money remaining in a bank account or a prepaid card after transactions have been made. It specifically refers to the numerical balance or the 'sum total' left over in a financial record.

利息

A1

Risoku refers to interest, which is the amount of money earned on savings or paid on a loan over time. It is typically calculated as a percentage of the principal amount.

金融

A1

The circulation of money and credit within an economy, specifically referring to the systems of banking, investment, and lending. It describes how capital flows from those who have it to those who need it for business or personal use.

給付

A1

Refers to the act of providing or delivering money, goods, or services, typically as a legal or contractual obligation. It is most frequently used in the context of government benefits, insurance payouts, or social welfare distributions.

手形

A1

A word with two primary meanings: literally a 'handprint' often used for souvenirs or identification, and a financial 'promissory note' or 'bill of exchange' used in business transactions.

予算

A1

A budget or an estimate of the amount of money available for a specific purpose. It refers to the financial plan or limit set before spending occurs in personal, business, or government contexts.

現金

A1

Physical money in the form of paper notes and metal coins. It refers specifically to tangible currency as opposed to credit cards, digital payments, or checks.

Was this helpful?

Comments (0)

Login to Comment
No comments yet. Be the first to share your thoughts!