贷款
How to Understand
贷款 refers to a financial loan, typically involving the borrowing of money from a bank or other institution with the expectation of repayment, usually with interest. It is commonly used in both personal and business contexts.
The character 贷 (dài) originally meant 'to borrow' or 'to lend,' while 款 (kuǎn) means 'amount' or 'payment.' Together, they form a term that specifically denotes a sum of money borrowed under agreed terms.
Loan is widely used in modern Chinese society, especially in banking, real estate, and personal finance. Understanding 贷款 is essential for anyone dealing with financial transactions in China, as it relates to mortgages, business loans, and consumer credit. It is also an important concept in economic discussions and policy-making.