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信贷 (xìn dài) — credit (financial); loan

Definition

信贷 (xìndài) is the formal, banking-level term for 'credit' or 'loan' as a financial product — broader than 贷款, which refers to a single loan transaction. Contrast with 信用, which names the trustworthiness behind the credit.

noun
credit (financial)loan
Measure word · 笔

Examples

  • 信贷。
    Zhè jiā yín háng tí gōng dī xī xìn dài.
    This bank offers low-interest credit.
  • 信贷。
    xìn dài Kuò zhāng kě néng dài lái jīng jì fēng xiǎn.
    Credit expansion may bring economic risks.
  • 信贷。
    Tā yīn wèi xìn yòng liáng hǎo huò dé le dà é xìn dài.
    He obtained a large credit line because of his good credit.

Origin

Compound word
构词法gòucífǎ
联合liánhéCoordinate

Two parts of equal weight, alike or opposite in meaning, standing side by side.

信xìncredit
贷dàiloan

信 and 贷 combine to mean credit and loans.

Characters in this word

Most characters — around four in five — are built this way: one part hints at the meaning, the other at the pronunciation.

Meaning part形符xíngfú
言言yánwords
Sound part声符shēngfú
人
人rén信xìn
The sound has drifted apartThe sound part was a clue two thousand years ago — it often still helps, but not always.

信 pairs 人 as the sound part with 言 (words) as the meaning part.

Open 信 →

Most characters — around four in five — are built this way: one part hints at the meaning, the other at the pronunciation.

This origin belongs to the traditional form 貸; 贷 is its simplified writing.

Meaning part形符xíngfú
貝貝bèishell
Sound part声符shēngfú
代
代dài貸dài
Same sound today

The traditional form 貸 pairs 貝 (shell) with 代, which gives its sound; the simplified 贷 is a later shorthand. It originally meant to give or bestow, later to lend.

Open 贷 →
Appears in
HSK 3.0 Level 7-9Finance & Banking

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