Understanding "存款" - Chinese Word Explanation

1. Basic Information

• Word: 存款
• Pinyin: cún kuǎn
• Literal Meaning: "存" (to save/store) + "款" (money/funds) = "saved money"
• Primary Meaning: Refers to "deposit" or "savings" in a financial context, such as money stored in a bank account.

2. In-depth Explanation

Context and Usage

"存款" is commonly used in financial and everyday conversations to refer to money saved or deposited in a bank. It can describe both the action of depositing money ("to deposit") and the money itself ("savings" or "deposits").

• Nuances:
• When used as a verb (e.g., "去银行存款"), it means "to deposit money."
• When used as a noun (e.g., "我的存款"), it means "savings" or "deposits."

Character Breakdown

• 存 (cún): Means "to save," "to store," or "to exist."
• 款 (kuǎn): Refers to "money," "funds," or "sum of money." Together, they emphasize the idea of "stored money."

3. Example Sentences

1. Chinese: 我每个月都会去银行存一些存款。
   Pinyin: Wǒ měi ge yuè dōu huì qù yínháng cún yīxiē cúnkuǎn.
   English: I go to the bank every month to deposit some savings.

2. Chinese: 他的存款足够买一辆新车。
   Pinyin: Tā de cúnkuǎn zúgòu mǎi yī liàng xīn chē.
   English: His savings are enough to buy a new car.

3. Chinese: 存款利率最近下降了。
   Pinyin: Cúnkuǎn lìlǜ zuìjìn xiàjiàng le.
   English: The deposit interest rate has recently dropped.

Cultural Notes

In Chinese culture, saving money (存款) is highly valued, especially among older generations who prioritize financial security. High savings rates are common, and many families emphasize building a "safety net" through bank deposits. The word reflects this cultural emphasis on frugality and long-term planning.

Conclusion

"存款" (cún kuǎn) is a practical word for discussing savings or bank deposits. Remember:
- As a verb, it means "to deposit."
- As a noun, it means "savings" or "deposits."
Use it in financial contexts or when talking about personal savings goals!