银行

Differences

This shows you the differences between two versions of the page.

Link to this comparison view

银行 [2025/08/12 09:42] – created xiaoer银行 [Unknown date] (current) – removed - external edit (Unknown date) 127.0.0.1
Line 1: Line 1:
-====== yínháng: 银行 - Bank ====== +
-===== Quick Summary ===== +
-  * **Keywords:** yinhang, 银行, bank, Chinese bank, banking in China, how to say bank in Chinese, open bank account China, Chinese for bank, finance in China, ATM in China +
-  * **Summary:** Learn the essential Chinese word for "bank," **银行 (yínháng)**. This guide covers its meaning, character origins, and cultural significance in modern China's rapidly evolving financial landscape. Discover how to use **银行 (yínháng)** in practical sentences for everyday tasks like withdrawing money, opening an account, and understanding its connection to digital payment giants like Alipay and WeChat Pay. +
-===== Core Meaning ===== +
-  * **Pinyin (with tone marks):** yínháng +
-  * **Part of Speech:** Noun +
-  * **HSK Level:** HSK 2 +
-  * **Concise Definition:** A financial institution that accepts deposits and channels them into lending activities; a bank. +
-  * **In a Nutshell:** **银行 (yínháng)** is the standard, everyday word for "bank" in Mandarin Chinese. It refers to the physical building, the institution itself, and the general concept of banking. If you need to do anything with physical money or formal financial services in China, you'll be dealing with a **银行**. +
-===== Character Breakdown ===== +
-  * **银 (yín):** This character means "silver." Historically, silver (along with gold) was a primary form of currency and a measure of wealth in China. So, its connection to money and finance is very direct. +
-  * **行 (háng):** This is a crucial character with two common pronunciations. When pronounced **háng**, it means "a line of business," "a firm," or "a trade" (e.g., 行业 - hángyè, industry). When pronounced **xíng**, it means "to walk" or "to go." In **银行**, it's always **háng**, referring to a business establishment. +
-  * **Together, 银行 (yínháng) literally translates to "silver business" or "silver firm,"** a perfectly logical and historical name for an institution that deals with money. +
-===== Cultural Context and Significance ===== +
-While the concept of a bank is universal, its role in modern China has unique characteristics. Traditionally, China's banking sector has been dominated by massive, state-owned institutions, often referred to as the "Big Four": +
-  * Bank of China (中国银行) +
-  * China Construction Bank (中国建设银行) +
-  * Industrial and Commercial Bank of China (中国工商银行) +
-  * Agricultural Bank of China (中国农业银行) +
-The most significant cultural difference for a Westerner is the **leapfrogging of credit cards**. While cards exist, daily life in China is overwhelmingly dominated by mobile payment systems like **支付宝 (Alipay)** and **微信支付 (WeChat Pay)**. These apps are directly linked to a user's **银行 (yínháng)** account. Therefore, while trips to a physical bank are less frequent for daily transactions, having a Chinese **银行 (yínháng)** account is the essential gateway to participating in the modern digital economy. For foreigners, opening an account is one of the first and most crucial steps to living conveniently in China. +
-This contrasts with Western countries where credit/debit cards still form the primary backbone of cashless transactions, and mobile tap-to-pay is an alternative rather than the default. In China, scanning a QR code linked to your **银行 (yínháng)** account is the norm for everything from buying street food to paying rent. +
-===== Practical Usage in Modern China ===== +
-**银行 (yínháng)** is a neutral, all-purpose term used in both formal and informal contexts. +
-  * **Daily Errands:** You use the word when you need to perform services that can't be done on your phone, such as opening an account (**开户 - kāi hù**), dealing with a lost card, or making a large international transfer. +
-  * **Location:** You'll ask "银行在哪儿?" (Where is the bank?) when looking for a branch or an ATM, which is often attached. +
-  * **Digital Life:** While you may not go to the bank building, your digital wallet is constantly interacting with your **银行**. You might say "My WeChat is linked to my Bank of China account." (我的微信绑定了我的中国银行账户). +
-The term itself doesn't carry a strong positive or negative connotation; it's a functional noun. +
-===== Example Sentences ===== +
-  * **Example 1:** +
-    * 我要去**银行**取钱。 +
-    * Pinyin: Wǒ yào qù **yínháng** qǔ qián. +
-    * English: I need to go to the bank to withdraw money. +
-    * Analysis: A very common and practical sentence. **取钱 (qǔ qián)**, "to withdraw money," is a key verb to know when talking about a **银行**. +
-  * **Example 2:** +
-    * 请问，附近有**银行**吗？ +
-    * Pinyin: Qǐngwèn, fùjìn yǒu **yínháng** ma? +
-    * English: Excuse me, is there a bank nearby? +
-    * Analysis: The perfect phrase for asking for directions. **附近 (fùjìn)** means "nearby." +
-  * **Example 3:** +
-    * 你想在哪家**银行**开户？ +
-    * Pinyin: Nǐ xiǎng zài nǎ jiā **yínháng** kāi hù? +
-    * English: Which bank do you want to open an account at? +
-    * Analysis: **家 (jiā)** is the measure word for businesses, including banks. **开户 (kāi hù)** means "to open an account." +
-  * **Example 4:** +
-    * 这家**银行**的服务很好。 +
-    * Pinyin: Zhè jiā **yínháng** de fúwù hěn hǎo. +
-    * English: This bank's service is very good. +
-    * Analysis: Shows how to use **银行** as the subject of a sentence to comment on its quality. +
-  * **Example 5:** +
-    * 我的**银行**卡丢了，得去**银行**挂失。 +
-    * Pinyin: Wǒ de **yínháng**kǎ diū le, děi qù **yínháng** guàshī. +
-    * English: I lost my bank card, I have to go to the bank to report the loss. +
-    * Analysis: A useful, real-life problem scenario. **挂失 (guàshī)** is the specific term for reporting a card or document as lost. +
-  * **Example 6:** +
-    * 你需要把钱存入你的**银行**账户。 +
-    * Pinyin: Nǐ xūyào bǎ qián cúnrù nǐ de **yínháng** zhànghù. +
-    * English: You need to deposit the money into your bank account. +
-    * Analysis: Introduces two related key terms: **存 (cún)** "to deposit" and **账户 (zhànghù)** "account." +
-  * **Example 7:** +
-    * 手机**银行**比网上**银行**更方便。 +
-    * Pinyin: Shǒujī **yínháng** bǐ wǎngshàng **yínháng** gèng fāngbiàn. +
-    * English: Mobile banking is more convenient than online banking. +
-    * Analysis: Shows how **银行** can be part of compound nouns to describe different types of banking services. +
-  * **Example 8:** +
-    * 中国工商**银行**是中国最大的**银行**之一。 +
-    * Pinyin: Zhōngguó Gōngshāng **Yínháng** shì Zhōngguó zuì dà de **yínháng** zhīyī. +
-    * English: The Industrial and Commercial Bank of China (ICBC) is one of China's largest banks. +
-    * Analysis: Demonstrates how **银行** is part of the official names of banking institutions. +
-  * **Example 9:** +
-    * 这笔钱是通过**银行**转账的。 +
-    * Pinyin: Zhè bǐ qián shì tōngguò **yínháng** zhuǎnzhàng de. +
-    * English: This sum of money was transferred via the bank. +
-    * Analysis: **转账 (zhuǎnzhàng)**, "to transfer money," is another essential banking verb. +
-  * **Example 10:** +
-    * 每个**银行**的汇率都有一点儿不同。 +
-    * Pinyin: Měi ge **yínháng** de huìlǜ dōu yǒu yīdiǎnr bùtóng. +
-    * English: Each bank's exchange rate is a little different. +
-    * Analysis: A practical sentence for travelers or expats dealing with foreign currency. **汇率 (huìlǜ)** means "exchange rate." +
-===== Nuances and Common Mistakes ===== +
-  * **The Pronunciation of 行 (háng):** The most common mistake for learners is pronouncing **行** as **xíng** (to walk). In the context of a business or firm, it is **always háng**. Pronouncing it **yínxíng** is incorrect and will likely cause confusion. Remember: **银 (yín) + 行 (háng) = 银行 (yínháng)**. +
-  * **Bank vs. Banking Actions:** **银行 (yínháng)** is the place or institution. You don't "bank" your money. You go **to the 银行 (yínháng)** to do specific actions like **存钱 (cún qián)** - deposit money, or **取钱 (qǔ qián)** - withdraw money. +
-    * **Incorrect:** 我要去银行钱 (Wǒ yào qù yínháng qián.) - "I'm going to bank money." (Nonsensical) +
-    * **Correct:** 我要去**银行**存钱 (Wǒ yào qù **yínháng** cún qián.) - "I'm going to the **bank** to deposit money." +
-  * **Bank vs. ATM:** While an ATM is usually found at a bank, it has its own name: **自动取款机 (zìdòng qǔkuǎnjī)**, which is often shortened in conversation to **ATM** (pronounced as in English). If you just need cash, you would look for an ATM, not necessarily a full-service **银行**. +
-===== Related Terms and Concepts ===== +
-  * [[取钱]] (qǔ qián) - To withdraw money. An action you do at a **银行** or ATM. +
-  * [[存钱]] (cún qián) - To deposit money. The opposite of **取钱**. +
-  * [[银行卡]] (yínhángkǎ) - Bank card. This is a general term that can mean debit card. +
-  * [[信用卡]] (xìnyòngkǎ) - Credit card. A specific type of **银行卡**. +
-  * [[账户]] (zhànghù) - Account. You open a **zhànghù** at a **yínháng**. +
-  * [[自动取款机]] (zìdòng qǔkuǎnjī) - ATM (Automated Teller Machine). Literally "automatic money-withdrawing machine." +
-  * [[转账]] (zhuǎnzhàng) - To transfer funds. A key function of any **银行** service. +
-  * [[网上银行]] (wǎngshàng yínháng) - Online banking. Banking services accessed via a website. +
-  * [[支付宝]] (Zhīfùbǎo) - Alipay. A major mobile payment platform that must be linked to a **银行** account. +
-  * [[微信支付]] (Wēixìn Zhīfù) - WeChat Pay. The other major mobile payment platform, also linked to a **银行** account.+