Deposit refers to the money you keep in a bank for safekeeping and interest.
Word in 30 Seconds
- Money kept in a bank account.
- A way to save and grow money.
- Essential for personal financial management.
Overview
- 1概述：存款（Cúnkuǎn）是金融领域最基础的概念之一。它既指存入银行的动作，也指存入银行后的那笔资金余额。对于个人而言，存款是财务安全的重要保障。2) 用法模式：作为名词，它常与动词搭配，如“存存款”、“取存款”或“查看存款”。在句子中，它常作为主语或宾语，例如“我的存款不够买房”。3) 常见语境：存款出现在银行柜台、手机银行APP、个人理财计划及宏观经济讨论中。无论是为了储蓄备用金，还是为了投资准备，存款都是最常见的金融行为。4) 近义词辨析：与“积蓄”相比，“存款”更侧重于存放在金融机构的钱，而“积蓄”则范围更广，可以指现金或各种形式的财富积累。与“现金”相比，存款通常指电子货币或账面资金，而非手头持有的纸币。
Examples
我每个月都会存一些存款。
everydayI make a deposit every month.
请出示您的存款证明。
formalPlease show your proof of deposit.
我的存款都花光了。
informalI have spent all my savings.
家庭存款是衡量生活水平的指标之一。
academicHousehold deposits are one of the indicators of living standards.
Common Collocations
Common Phrases
存款账户
Deposit account
增加存款
Increase deposits
存款总额
Total deposits
Often Confused With
Loan is money you borrow from a bank, while deposit is money you put into the bank. They are opposites.
Savings (积蓄) is a general term for all money saved, while deposit (存款) specifically refers to money in a bank account.
Grammar Patterns
How to Use It
Usage Notes
The word '存款' is neutral and commonly used in both formal banking and daily conversations. It refers specifically to money kept in financial institutions. Ensure you distinguish it from '贷款' (loan) to avoid confusion.
Common Mistakes
Learners often mix up '存款' and '贷款'. Remember '存' (deposit) is putting in, and '贷' (loan) is taking out. Also, don't use '存款' for physical cash kept in a wallet.
Tips
Use with banking verbs
Always pair '存款' with verbs like '存' (deposit) or '取' (withdraw). This makes your sentences sound natural.
Don't confuse with cash
Remember that '存款' implies a bank connection. Do not use it for money kept in a piggy bank at home.
High savings culture in Asia
Saving money is highly valued in Chinese culture. Many people prioritize building '存款' as a sign of financial stability.
Word Origin
The character '存' originally depicted a child or a person being looked after, implying safe keeping. '款' refers to funds or capital, combining to mean 'safely kept funds'.
Cultural Context
In Chinese culture, high savings rates are a traditional virtue. Families often encourage children to open bank accounts early to establish the habit of building '存款'.
Memory Tip
Think of '存' (cún) as 'to store' and '款' (kuǎn) as 'funds'. Storing funds equals a bank deposit.
Frequently Asked Questions
4 questions存款是存入银行的资金，有记录且通常有利息。现金通常指手头持有的纸币或硬币，没有利息且不便于大规模存储。
活期存款可以随时取出，但定期存款如果在到期前取出，可能会损失部分利息。具体取决于你选择的存款类型。
是的，银行会根据存款金额和存期支付一定比例的利息作为回报。这是鼓励储蓄的一种方式。
增加存款可以通过增加收入、减少不必要的支出以及进行合理的预算规划来实现。持之以恒的储蓄习惯是关键。
Test Yourself
我每个月都会把一部分工资存入银行作为___。
存入银行的钱称为存款。
关于“存款”，下列说法正确的是：
存款的定义就是存放在金融机构的钱。
我的 / 很多 / 银行 / 存款 / 有
标准的中文语序结构。
Score: /3
Summary
Deposit refers to the money you keep in a bank for safekeeping and interest.
- Money kept in a bank account.
- A way to save and grow money.
- Essential for personal financial management.
Use with banking verbs
Always pair '存款' with verbs like '存' (deposit) or '取' (withdraw). This makes your sentences sound natural.
Don't confuse with cash
Remember that '存款' implies a bank connection. Do not use it for money kept in a piggy bank at home.
High savings culture in Asia
Saving money is highly valued in Chinese culture. Many people prioritize building '存款' as a sign of financial stability.
Examples
4 of 4我每个月都会存一些存款。
I make a deposit every month.
请出示您的存款证明。
Please show your proof of deposit.
我的存款都花光了。
I have spent all my savings.
家庭存款是衡量生活水平的指标之一。
Household deposits are one of the indicators of living standards.
Related Content
This Word in Other Languages
Related Grammar Rules
Related Vocabulary
More work words
充裕的
B2Abundant, ample, or sufficient in quantity.
事故
A2accident; mishap
依照
A2According to; in accordance with.
准确地
A2accurately, precisely
做到
A2to achieve; to accomplish
积极地
A2actively; enthusiastically
应变
B2Adaptive; capable of dealing with emergencies.
行政
A2Administration; the management of affairs.
过后
A2Afterwards; at a later or subsequent time.
赞同
A2To approve of, to endorse; to agree with or support.
