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預金する

B1 verb #3,500 最常用 7分钟阅读

預金する

yokin suru 前3,500

开始练习例句笔记与提示 預金する 30秒了解

解析 預金する in your Level:

At the A1 level, you don't need to master 'yokin suru' yet, but you might see the kanji at an ATM. You would mostly say 'okane o ginkou ni iremasu' (I put money in the bank). 'Yokin' is a bit formal for a beginner, but knowing that 'kin' means money is a great start. Think of it as the 'Bank' word for money.

免费注册阅读完整解释

At A2, you start to use 'yokin suru' when talking about basic daily life. You can use it in simple sentences like 'Ginkou ni yokin shimasu' (I deposit money at the bank). You should be able to recognize it on ATM screens in Japan, where it's part of the standard vocabulary for managing your allowance or small earnings.

免费注册阅读完整解释

At B1, you should use 'yokin suru' comfortably to distinguish between putting money in a bank and just saving money at home (chokin). You understand the grammar [Amount] o [Bank] ni yokin suru. You can also talk about different types of accounts, like 'futsuu yokin' (regular account), and discuss your saving habits or plans for the future.

At B2, you use 'yokin' in more complex financial discussions. You might talk about 'yokin kinri' (interest rates) or 'yokin hogo' (deposit protection). You understand the nuance of using this word in business contexts versus casual ones and can handle bank-related paperwork or phone calls where this term is standard.

免费注册阅读完整解释

At C1, 'yokin suru' is part of a broader financial vocabulary. You can discuss the macroeconomic impact of 'yokin ritsu' (savings rates) on the Japanese economy. You are familiar with technical variations like 'teiki yokin' (time deposits) or 'gaika yokin' (foreign currency deposits) and can debate the merits of banking versus investing.

免费注册阅读完整解释

At C2, you have a native-like grasp of 'yokin suru'. You understand its legal implications in contracts, its role in the 'Yokin Hoken Kikou' (Deposit Insurance Corporation of Japan), and you can use it in highly formal or academic writing about monetary policy, banking history, or financial law without any hesitation.

免费注册阅读完整解释

开始练习例句笔记与提示

預金する 30秒了解

預金する (yokin suru) means to deposit money specifically into a bank account, distinguishing it from general saving at home.
It is a B1 level verb, essential for managing daily finances, banking, and understanding ATM instructions in Japan.
The word combines 'entrust' (yo) and 'money' (kin), reflecting the formal nature of the banking relationship.
Commonly used with the particle 'ni' for the bank and 'o' for the amount of money being deposited.

The Japanese verb 預金する (yokin suru) is a cornerstone of daily financial life in Japan, specifically referring to the act of depositing money into a bank account. While it translates simply to 'to deposit' in English, its usage is deeply embedded in Japan's historically high-saving culture. Unlike general saving (which might use the word chokin), yokin specifically implies a formal banking transaction. When you stand at an ATM or a bank teller window to put money into your account, you are performing yokin. This term is formal yet ubiquitous, appearing on every ATM screen and bank statement across the country.

Etymological Breakdown: The word consists of 預 (yo), meaning 'to entrust' or 'leave with someone,' and 金 (kin), meaning 'money' or 'gold.' Combined with the verb する (suru), it literally means 'to do the entrusting of money.'
Social Context: In Japan, depositing money is often seen as a virtue. Children are encouraged from a young age to 預金する their New Year's gift money (otoshidama). Consequently, the word carries a nuance of responsibility and future-planning.

給料が入ったので、すぐに銀行へ行って預金することにした。
(Since my salary came in, I decided to go to the bank and deposit it immediately.)

The action of yokin suru is the first step in most financial interactions. Whether you are setting up an automatic transfer (furikomi) or simply building an emergency fund, the physical or digital act of moving cash into the bank's custody is the core of this verb. In a modern context, this also includes mobile banking deposits, though the physical ATM remains the most common site for this activity in Japan's still somewhat cash-heavy society. Understanding this word is essential for anyone living, working, or managing finances in a Japanese environment.

将来のために、毎月一定額を預金する習慣をつけましょう。
(Let's make it a habit to deposit a fixed amount every month for the sake of the future.)

ATM Interface: When using a Japanese ATM, the button for depositing is usually labeled お預入れ (o-azuire), which is the polite noun form of the same concept. 預金する is the verbal equivalent used in conversation and writing.

Furthermore, yokin suru is often contrasted with hikidasu (to withdraw). In the lifecycle of a bank account, these two actions form the primary rhythm. In business Japanese, yokin suru might be replaced by more technical terms like nyuukin (payment/money in), but for personal finance and general communication, yokin suru remains the standard. It is a B1 level word because while the concept is simple, the kanji and the specific banking context require a step beyond basic survival Japanese into the realm of daily life management.

Using 預金する correctly requires understanding its role as a transitive verb phrase. The most common structure is [Amount] を [Bank/Account] に預金する. This indicates the movement of money into a specific destination. However, in many contexts, the 'money' (okane) or the 'bank' (ginkou) is implied, allowing for shorter sentences like 'Ashita yokin suru' (I will deposit [money] tomorrow).

Grammar Pattern 1: Basic Deposit: [Object] を預金する. Example: 10万円を預金しました (I deposited 100,000 yen).
Grammar Pattern 2: Destination: [Bank/Account] に [Object] を預金する. Example: 銀行に現金を預金する (To deposit cash into the bank).

ボーナスが出たら、半分は使って半分は預金するつもりです。
(When the bonus comes out, I plan to spend half and deposit half.)

When discussing different types of accounts, the verb remains the same. Whether it is a 'futsuu yokin' (ordinary deposit) or a 'teiki yokin' (fixed-term deposit), the action of placing the money there is yokin suru. It can also be used in the passive voice (yokin sareru) when discussing funds that are automatically deposited, such as a salary: 'Kyuuryou wa ginkou ni yokin saremasu' (The salary is deposited into the bank).

この口座に預金すると、利息が少し高くなります。
(If you deposit into this account, the interest will be slightly higher.)

Another important aspect is the frequency of the action. Adverbs like kobame ni (frequently/carefully) or teikiteki ni (regularly) often accompany yokin suru to describe saving habits. In more complex B2/C1 sentences, you might see it nominalized as yokin-gaku (deposit amount) or yokin-sha (depositor), but the suru-verb form is the primary way to express the action itself.

You will encounter 預金する in several specific environments. First and foremost is the physical bank. When you enter a branch of Mitsubishi UFJ, SMBC, or Mizuho, the signage for self-service machines and the menus on the screens will use this terminology. If you speak to a teller to hand over cash, they will confirm by saying, 'Goyokin desu ne?' (A deposit, right?).

At the ATM: The main menu usually shows 'お預入れ' (O-azuire). Once you complete the process, the receipt (meisai-hyou) will list the 'yokin-go zandaka' (balance after deposit).
News and Media: Financial news reports often discuss the 'yokin kinri' (deposit interest rates) or the total amount of money Japanese citizens 預金する during economic shifts.

ATMで現金を預金する際は、手数料に注意してください。
(When depositing cash at an ATM, please be careful of the fees.)

In the workplace, HR might ask you to fill out a 'yokin kouza furikomi iraisyo' (request form for bank account transfer) so they can yokin suru your pay. In this context, it's about the mechanism of payment. Even in casual conversations among friends, if the topic of 'setsuyaku' (saving money/frugality) comes up, someone might say, 'Saikin wa amari yokin dekite inai' (I haven't been able to deposit/save much lately).

ネット銀行なら、スマホから簡単に預金することができます。
(With online banks, you can easily deposit money from your smartphone.)

Finally, you'll see this word in tax documents and insurance contracts. Any time money is being 'held' by a third-party financial institution, the term yokin is the legal and standard descriptor. It's a word that bridges the gap between a simple action and a complex financial system.

The most frequent mistake learners make with 預金する is confusing it with its close relative, 貯金する (chokin suru). While often interchangeable in casual English ('saving money'), in Japanese, the distinction matters. Yokin is specifically for banks. If you put money in a piggy bank at home, you cannot use yokin suru; you must use chokin suru or tameru.

Mistake: Wrong Particle: Using 'de' instead of 'ni' for the bank. Incorrect: 銀行で預金する (sounds like you are doing the action *at* the bank but not necessarily *into* it). Correct: 銀行に預金する.
Mistake: Confusion with 'Azukeru': 預ける (azukeru) means to entrust anything (luggage, a child, money). 預金する is only for money in a bank. Don't say 'Nimotsu o yokin suru' for luggage!

× 豚の貯金箱に預金する。
○ 豚の貯金箱に貯金する。
(You save money in a piggy bank, you don't 'bank-deposit' it.)

Another mistake is using yokin suru when you actually mean 'to pay' (harau). If you are putting money into a bank account to pay a bill, the more appropriate term is furikomi (transfer) or nyuukin (payment). Yokin suru implies you are keeping the money there for yourself. Finally, ensure the kanji is correct; the first kanji 預 (yo) is often confused with 予 (yo - advance/pre-), but they have different meanings. 預 has the 'shell' radical (貝), which historically relates to money and value.

Japanese has several words for handling money that are similar to 預金する. Choosing the right one depends on the institution and the intent of the saver.

貯金する (Chokin suru): The most common alternative. Used for saving money in general, especially at the Japan Post Bank (Yuu-cho) or at home. Yokin is for commercial banks.
預ける (Azukeru): A broader verb meaning 'to entrust.' You can use this for money, but also for leaving your coat at a cloakroom. It is less technical than yokin suru.
入金する (Nyuukin suru): Literally 'money entry.' Used when money is being put into an account to pay for something or as a business transaction. It's very common on ATM screens.

銀行には預金、郵便局には貯金。
(Deposits in banks are 'yokin', in post offices they are 'chokin'.)

In a business context, you might hear tsumitate (accrual/systematic saving), which refers to depositing a set amount regularly, often for a specific goal like a pension or a house. While yokin suru is the basic action, tsumitate describes the strategy. For those interested in investing, toushi suru (to invest) is the next step up, where the money is put into stocks or bonds rather than a simple bank account.

積立 (Tsumitate): Often used as 'tsumitate yokin' (installment savings). It implies a recurring, automated deposit.

How Formal Is It?

趣味小知识

The kanji 預 was originally used to mean 'to take part in' or 'to be concerned with,' but evolved to mean 'to leave in someone's care.'

发音指南

UK jokʲiɴ sɯᵝɾɯᵝ

US jokiŋ suːruː

Heiban (Flat) style. The pitch remains relatively level throughout 'yokin', then drops slightly for 'suru'.

押韵词

Chokin (Saving) Nyuukin (Payment) Shukkun (Withdrawal) Zankin (Balance) Mukin (Germ-free) Fukin (Cloth) Gakkin (School fees) Shakkin (Debt)

常见错误

Pronouncing 'yo' like the English 'yo-yo' (too long).
Making the 'n' in 'yokin' too distinct like a Western 'n'.
Stress-accenting the first syllable 'YO-kin'.
Confusing the 'r' in 'suru' with an English 'r'.
Pronouncing 'kin' like 'keen'.

难度评级

阅读 3/5

Kanji is intermediate, but the word is common.

写作 4/5

Writing '預' requires attention to stroke order.

口语 2/5

Pronunciation is straightforward.

听力 2/5

Distinctive sound, easy to pick out in bank contexts.

接下来学什么

前置知识

お金 (Okane) 銀行 (Ginkou) する (Suru) 預ける (Azukeru) 金 (Kin)

接下来学习

引き出す (Hikidasu) 振り込む (Furikomu) 利息 (Risoku) 口座 (Kouza) 為替 (Kawase)

高级

資産運用 (Asset management) 投資信託 (Investment trust) ペイオフ (Payoff system) 流動性 (Liquidity)

需要掌握的语法

Suru-verbs

預金する (To deposit), 勉強する (To study).

Particle 'Ni' for Destination

銀行に預金する。

Particle 'O' for Direct Object

お金を預金する。

Noun + Suru

預金 (Noun) + する (Verb).

Potential Form of Suru-verbs

預金できる (Can deposit).

免费注册阅读完整解释

按水平分级的例句

ぎんこうにおかねをよきんします。

I deposit money in the bank.

Basic 'ni' particle for destination.

一万円をよきんします。

I will deposit 10,000 yen.

Object marker 'o' used with the amount.

あした、よきんしますか。

Will you deposit [money] tomorrow?

Simple question form.

よきんはどこですか。

Where is the deposit [counter]?

Using the noun form 'yokin'.

カードでよきんします。

I deposit using a card.

Instrumental 'de' for the method.

おこづかいをよきんします。

I deposit my pocket money.

Polite 'o' prefix on 'kozukai'.

ここはよきんのまどぐちです。

This is the deposit window.

Noun modification with 'no'.

よきんをしてください。

Please make a deposit.

Request form 'shite kudasai'.

給料を銀行に預金しました。

I deposited my salary in the bank.

Past tense 'shimashita'.

ATMで簡単に預金できます。

You can easily deposit at the ATM.

Potential form 'dekimasu'.

毎月、少しずつ預金しています。

I am depositing a little bit every month.

Continuous form 'shite imasu'.

預金するために銀行へ行きます。

I'm going to the bank in order to deposit.

Purpose 'tame ni'.

お金を預金するのは大切です。

Depositing money is important.

Nominalizer 'no wa'.

いくら預金したいですか。

How much do you want to deposit?

Desire form 'tai'.

この銀行に預金しましょう。

Let's deposit in this bank.

Volitional 'mashou'.

預金する前に、カードを確認してください。

Before depositing, please check your card.

Before 'mae ni'.

将来の結婚資金として、毎月5万円預金することにしている。

I have made it a rule to deposit 50,000 yen every month for future wedding funds.

Decided habit 'koto ni shite iru'.

ネット銀行は手数料が安いので、そこへ預金する人が増えています。

Because online banks have low fees, the number of people depositing there is increasing.

Reason 'node' and increasing state 'te iru'.

この口座に預金すれば、ATMの手数料が無料になります。

If you deposit into this account, the ATM fees will become free.

Conditional 'ba'.

預金する金額によって、利息が変わります。

The interest changes depending on the amount you deposit.

Depending on 'ni yotte'.

急いでいたので、現金をそのまま預金した。

Because I was in a hurry, I deposited the cash as it was.

State 'sono mama'.

預金するのを忘れて、引き落としができなかった。

I forgot to deposit, so the automatic withdrawal couldn't happen.

Forgot to 'no o wasurete'.

子供のために、学資保険ではなく銀行に預金することを選んだ。

For my child, I chose to deposit in the bank rather than educational insurance.

Rather than 'de wa naku'.

預金したばかりなので、通帳を記帳してください。

I just deposited, so please update your bankbook.

Just finished 'bakari'.

インフレが進む中、現金をただ預金するだけでは資産が目減りしてしまう。

As inflation progresses, just depositing cash will result in a decrease in assets.

While 'naka', 'dake de wa' conditional.

外貨で預金することで、為替リスクを分散させることができます。

By depositing in foreign currency, you can diversify exchange rate risks.

Method 'koto de'.

銀行が破綻しても、一定額までは預金が保護される仕組みになっています。

Even if a bank fails, there is a system where deposits are protected up to a certain amount.

Even if 'temo', state 'shikumini natte iru'.

余剰資金を定期預金に預金し、少しでも利回りを上げようと考えた。

I thought about depositing surplus funds into a fixed-term deposit to increase the yield even slightly.

Volitional + 'to kangaeta'.

預金する際の本人確認書類として、運転免許証を提示した。

I presented my driver's license as an identity verification document when depositing.

When 'sai ni'.

不正なアクセスにより、勝手に預金が引き出される事件が発生した。

An incident occurred where deposits were withdrawn without permission due to unauthorized access.

Passive 'hikidasareru'.

彼は莫大な遺産を複数の銀行に分散して預金している。

He has deposited a vast inheritance by distributing it across multiple banks.

Distributing 'bunsan shite'.

預金する習慣がない人は、老後の生活に不安を感じるかもしれない。

People who don't have a habit of depositing might feel anxious about life in old age.

Relative clause modifying 'hito'.

マイナス金利政策の影響で、銀行に預金するメリットがほとんど失われてしまった。

Due to the influence of the negative interest rate policy, the merit of depositing in banks has been almost entirely lost.

Causal 'no eikyou de'.

タンス預金をするよりも、金融機関に預金する方が経済の循環には寄与する。

Depositing in financial institutions contributes more to the economic cycle than keeping cash under the mattress.

Comparison 'yori mo ... hou ga'.

法人が多額の現金を預金する場合、資金の出所を厳格に審査されることがある。

When a corporation deposits a large amount of cash, the source of funds may be strictly scrutinized.

Passive 'shinsa sareru'.

ペイオフ制度により、預金者一人当たり元本1,000万円までが保護の対象となる。

Under the payoff system, up to 10 million yen in principal per depositor is covered by protection.

Per person 'hitori atari'.

休眠口座に預金されたままの資金を、社会貢献活動に活用する法律が施行された。

A law was enacted to utilize funds that remain deposited in dormant accounts for social contribution activities.

Remaining state 'mama no'.

資産家はリスクヘッジのため、金（ゴールド）や不動産、そして現金の預金に資産を振り分けている。

For risk hedging, wealthy individuals allocate their assets into gold, real estate, and cash deposits.

Listing 'ya', 'soshite'.

預金すること自体が目的化してしまい、有効な投資機会を逃しているケースも少なくない。

There are not a few cases where depositing itself has become the goal, causing people to miss effective investment opportunities.

Becoming the goal 'mokutekika shite shimau'.

信託銀行に預金することで、相続手続きをスムーズに進めることが可能になる。

By depositing in a trust bank, it becomes possible to proceed with inheritance procedures smoothly.

Becoming possible 'kanou ni naru'.

預金準備率操作は、中央銀行が市中の通貨量を調節するための有力な金融政策手段の一つである。

Reserve requirement ratio manipulation is one of the powerful monetary policy tools for central banks to adjust the amount of currency in the market.

Technical terminology for central banking.

バブル崩壊後、日本人はリスク回避の傾向を強め、投資よりも預金することを好むようになった。

After the bubble burst, Japanese people strengthened their risk-aversion tendency and came to prefer depositing over investing.

Change in preference 'konomu you ni natta'.

預金通貨は、現金通貨と同様にマネーストックの重要な構成要素として機能している。

Deposit money functions as an important component of the money stock, just like cash currency.

Comparison 'douyou ni'.

金融システム不安が広がると、人々が一斉に預金を引き出そうとする「預金取り付け騒ぎ」が起こるリスクがある。

When financial system instability spreads, there is a risk of a 'bank run' where people try to withdraw their deposits all at once.

Risk of 'risuku ga aru'.

デフレ下においては、現金を預金しておくことの実質的な価値が上昇するというパラドックスが生じる。

Under deflation, a paradox arises where the real value of keeping cash deposited increases.

Under 'ka ni oite wa'.

預金保険法の改正により、決済用預金については全額保護される特例が設けられた。

With the amendment of the Deposit Insurance Act, a special provision was established to protect the full amount of settlement deposits.

Establishment of a rule 'moukerareta'.

銀行は預金することで集めた資金を原資として、企業や個人への貸し出しを行っている。

Banks use the funds collected through deposits as capital to provide loans to corporations and individuals.

Using as a source 'o genshi to shite'.

デジタル通貨の普及は、伝統的な銀行に預金するという概念そのものを変容させる可能性がある。

The spread of digital currency has the potential to transform the very concept of depositing in traditional banks.

Possibility 'kanousei ga aru'.

常见搭配

銀行に預金する

現金を預金する

定期預金する

こまめに預金する

預金する習慣

全額預金する

口座に預金する

外貨で預金する

預金するメリット

自動で預金する

常用短语

預金残高

— The balance of the deposit account. Used on receipts and bank apps.

預金残高を確認する。

普通預金

— A standard savings/checking account. The most common account type in Japan.

普通預金にお金を入れる。

定期預金

— A fixed-term deposit account with higher interest but restricted access.

定期預金を解約する。

預金通帳

— A physical bankbook used to record deposits and withdrawals.

預金通帳に記帳する。

預金金利

— The interest rate paid on a deposit account.

預金金利が上昇した。

預金封鎖

— A freeze on bank deposits, usually during a financial crisis.

預金封鎖の噂が広まる。

預金保険

— Insurance that protects bank deposits if the bank fails.

預金保険制度について調べる。

預金者

— The person who holds the bank account and makes deposits.

預金者の権利を守る。

タンス預金

— Cash kept at home (literally 'dresser deposit') instead of a bank.

タンス預金は盗難のリスクがある。

預金口座

— A bank account specifically for deposits.

新しい預金口座を作る。

容易混淆的词

預金する vs 貯金する

Used for general saving or post office saving. 'Yokin' is for banks.

預金する vs 預ける

General 'to entrust.' 'Yokin' is specifically for money in a bank.

預金する vs 寄付する

To donate. Don't confuse donating with depositing!

习语与表达

"預金を引き出す"

— Not an idiom, but the essential paired action: to withdraw money.

急用で預金を引き出した。

Neutral

"預金が底をつく"

— To run out of savings/deposits entirely.

ついに預金が底をついた。

Neutral

"預金に手を付ける"

— To start spending money that was supposed to be saved.

将来のための預金に手を付けてしまった。

Common

"預金を食いつぶす"

— To gradually use up all of one's savings to live.

無職の間、預金を食いつぶした。

Casual

"預金を切り崩す"

— To dip into savings little by little for expenses.

生活費のために預金を切り崩す。

Neutral

"預金は嘘をつかない"

— A saying meaning your bank balance reflects your true effort/spending.

預金は嘘をつかないから、節約しよう。

Colloquial

"雀の涙ほどの預金"

— A tiny, insignificant amount of savings (like a sparrow's tear).

預金はまだ雀の涙ほどだ。

Idiomatic

"預金をはたく"

— To spend all of one's savings on a single purchase.

預金をはたいて車を買った。

Casual

"預金がモノを言う"

— Money (savings) talks; having savings gives you power or options.

いざという時は預金がモノを言う。

Proverbial

"預金を積み上げる"

— To steadily build up a large amount of savings.

長年かけて預金を積み上げてきた。

Neutral

容易混淆

預金する vs 貯金 (Chokin)

Both mean 'saving money.'

Yokin is for banks (Ginkou); Chokin is for the Post Office (Yuu-cho) or saving cash at home.

銀行に預金する。貯金箱に貯金する。

預金する vs 入金 (Nyuukin)

Both involve putting money into an account.

Nyuukin is a general term for money coming in (like a payment); Yokin is specific to the act of depositing for saving.

売上を入金する。お小遣いを預金する。

預金する vs 振込 (Furikomi)

Both involve bank accounts.

Furikomi is transferring money to someone else's account; Yokin is putting money into your own account.

家賃を振り込む。給料を預金する。

預金する vs 積立 (Tsumitate)

Both are about saving.

Tsumitate is a systematic, recurring saving plan; Yokin is the single act of depositing.

毎月一万円を積み立てて預金する。

預金する vs 供託 (Kyoutaku)

Both mean depositing.

Kyoutaku is a legal term for depositing money with a public office as security.

裁判所に供託する。

句型

[Money] を預金します。

お金を預金します。

[Bank] に [Money] を預金します。

銀行に一万円を預金します。

[Purpose] のために預金する。

旅行のために預金する。

[Amount] 預金することにしている。

毎月三万円預金することにしている。

預金するよりも [Alternative]。

預金するよりも投資したほうがいい。

預金すれば [Result]。

預金すれば安心です。

預金する際の [Noun]。

預金する際の注意点。

預金することの実質的価値。

預金することの実質的価値が下がる。

词族

名词

預金 (Deposit)

預金者 (Depositor)

預金額 (Deposit amount)

預金口座 (Deposit account)

动词

預ける (To entrust - Root verb)

預け入れる (To deposit/put in)

如何使用

frequency

Very common in daily life and financial contexts.

常见错误

Using 'yokin suru' for luggage. → Nimotsu o azukeru.
Yokin is strictly for money in banks. For other objects, use 'azukeru'.
Saying 'Ginkou de yokin suru'. → Ginkou ni yokin suru.
The destination of the money requires the 'ni' particle.
Confusing 'yokin' with 'yotei'. → Yotei (Plan) vs Yokin (Deposit).
They sound similar but have completely different kanji and meanings.
Using 'yokin' at a convenience store counter. → Harau (to pay) or Nyuukin (to pay into an account).
If you are paying a bill, it's not 'yokin'.
Forgetting 'suru'. → Okane o yokin suru.
Without 'suru', it's just the noun 'deposit'.

小贴士

Particle Choice

Always use 'ni' for the bank. Using 'de' implies you are doing the action at the bank but not necessarily putting the money into it.

Post Office Savings

If you are at the Japan Post Bank (Yuu-cho), you might see 'chokin' more often than 'yokin'. They are functionally similar.

ATM Buttons

Look for 'お預入れ' (O-azuire) when you want to deposit. It's the most common label on machines.

Talking to Tellers

When a teller asks 'Goyokin desu ne?', just answer with 'Hai, sou desu' to confirm you are making a deposit.

Kin = Gold

Remember that 'kin' (金) is in the word. If there's no money involved, it's not 'yokin'!

Kanji Detail

The kanji 預 has 'shell' (貝) at the bottom right, which is the ancient symbol for money.

Interest Rates

In Japan, 'yokin kinri' is currently very low, so people often talk about 'yokin' as a safe place rather than a way to grow wealth.

Nasal 'n'

The 'n' at the end of 'yokin' is often soft and nasal. Listen to native speakers to get the balance right.

Interchangeability

Don't stress too much about 'yokin' vs 'chokin' in casual speech; most people will understand you regardless.

Corporate Context

In accounting, 'yokin' is a balance sheet item. Use it when discussing company assets.

记住它

记忆技巧

Think of 'Yo!' as calling a bank teller, and 'Kin' as the 'King's money.' You are entrusting the King's money to the bank.

视觉联想

Visualize an ATM screen with a large 'YO' and a gold coin 'KIN' being swallowed by the machine.

Word Web

Bank Money ATM Savings Interest Account Teller Safety

挑战

Try to use 'yokin suru' in a sentence about your next payday. Then, compare it to 'chokin suru' by describing where exactly the money is going.

词源

The word is a Sino-Japanese compound (Kango). It appeared in the modern sense during the Meiji era as Japan modernized its banking system.

原始含义： Entrusting (預) money (金).

Japonic (Sino-Japanese vocabulary).

文化背景

Be careful when discussing 'yokin' in the context of the 'lost decades' or negative interest rates, as it can be a sensitive economic topic for some.

English speakers often use 'save' for both bank deposits and general saving. In Japanese, the split between 'yokin' and 'chokin' is more distinct.

Hanzawa Naoki (TV Drama about banking) Japanese Ministry of Finance reports New Year 'Otoshidama' traditions

在生活中练习

真实语境

At the Bank

預金したいのですが。
預金通帳を作りたいです。
預金残高を教えてください。
窓口で預金できますか。

Financial Planning

老後のために預金する。
預金金利を比較する。
定期預金に切り替える。
預金額を増やす。

Work/Salary

給料を預金口座に振り込む。
預金口座の番号を教える。
ボーナスを全額預金する。
会社の預金を管理する。

Shopping/Large Purchases

預金を引き出して払う。
預金が足りない。
預金をはたいて買う。
預金を確認してから決める。

Education

子供の学費を預金する。
預金の大切さを教える。
大学のために預金し始める。
奨学金を預金する。

对话开场白

"最近、銀行に預金していますか？ (Have you been depositing in the bank lately?)"

"ネット銀行と普通の銀行、どっちに預金するのがいいと思いますか？ (Which do you think is better for depositing: online banks or regular banks?)"

"子供の頃、お年玉を預金していましたか？ (Did you deposit your New Year's money when you were a child?)"

"日本は預金金利が低いですが、どう思いますか？ (Interest rates are low in Japan, what do you think about that?)"

"預金する習慣を作るためのコツはありますか？ (Do you have any tips for making a habit of depositing?)"

日记主题

今日は銀行に行って、いくら預金しましたか？その時、何を感じましたか？ (How much did you deposit today? How did you feel?)

将来、何のために預金したいですか？具体的な目標を書いてください。 (What do you want to deposit for in the future? Write specific goals.)

あなたの国と日本の預金習慣の違いについて考えてみましょう。 (Think about the differences in saving habits between your country and Japan.)

もし100万円あったら、預金しますか？それとも使いますか？ (If you had 1 million yen, would you deposit it or spend it?)

預金残高が増えた時、どんな気持ちになりますか？ (How do you feel when your bank balance increases?)

常见问题

10 个问题

No, you should use 'chokin suru' or 'tameru'. 'Yokin' is strictly for financial institutions like banks.

Historically, 'yokin' was for banks and 'chokin' was for the post office. Today, they are often used interchangeably, but 'yokin' sounds more formal and bank-specific.

You can say 'Yokin o onegaishimasu' or 'Yokin shitai no desu ga'.

'Yokin' is a noun meaning 'a deposit.' Adding 'suru' makes it the verb 'to deposit.'

Use 'o' for the amount of money and 'ni' for the bank or account. Example: 'Ginkou ni okane o yokin suru.'

Yes, in Japanese you would say 'kogitte o yokin suru,' though checks are less common in Japan than in the US.

It means 'fixed-term deposit' or 'time deposit,' where you cannot withdraw the money for a set period in exchange for higher interest.

Yes, businesses use it to describe depositing their daily earnings or managing company funds.

The opposite is 'hikidasu' or the more casual 'orosu'.

It is the polite way of saying 'yokin suru.' It literally means 'the act of entrusting.'

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