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However, this is the broadest term used to refer to money, and there are several nuances you need to be aware of. In China, the official currency is called 人民币 (rén mín bì), but most people simply call it 元 (yuán) in everyday conversation. There are also colloquial words for different denominations, as well as specific ways to refer to large amounts of money and foreign currencies. Let’s take a closer look:
\n
This is the general term for money in Chinese. It’s used in everyday conversation to refer to money in any form, including coins, bills, or digital funds.
\nFor example, when asking someone how much something costs, you might say, “这个多少钱？” (zhè ge duō shǎo qián?), which directly translates to “How much does this cost?”
\nThe word 钱 is also commonly used when discussing wealth, savings, and financial transactions. Phrases like 赚钱 (zhuàn qián) “to make money” and 花钱 (huā qián) “to spend money” are used all the time, but more on that in our vocabulary section below!
\n| English | \nChinese | \nPinyin | \nPronunciation | \n
| I don’t have money. | \n我没有钱。 | \nwǒ méi yǒu qián. | \nwoo mei yeou chyan. | \n
| How much is this? | \n这个多少钱？ | \nzhè ge duō shǎo qián? | \njeh ge duo shao chyan? | \n
| Can you lend me a little money? | \n你可以借我一点钱吗？ | \nnǐ kě yǐ jiè wǒ yì diǎn qián ma? | \nnii kee yii jieh woo yih dean chyan mha? | \n
Now we’re getting more formal. The character 元 refers to the official currency unit in China, equivalent to the dollar in the United States. It’s used in formal and written contexts, especially in financial transactions, contracts, and official documents.
\nFor example, a letter of a scholarship award might read “10000元” to indicate that the student has earned ¥10,000 or 10,000 CNY (Chinese Yuan). Remember, you’ll want to place the 元 character after the number in Chinese. The character 元 is also used in banking and finance, appearing in account statements, receipts, and other monetary documents. In formal business settings, 元 is preferred to the colloquial 块.
\n| English | \nChinese | \nPinyin | \nPronunciation | \n
| This book costs ten yuan. | \n这本书十元。 | \nzhè běn shū shí yuán. | \njeh been shu shyr yuan. | \n
| I have fifty yuan. | \n我有五十元。 | \nwǒ yǒu wǔ shí yuán. | \nwoo yeou wuu shyr yuan. | \n
| My bank account has five thousand yuan. | \n我的银行账户有五千元。 | \nwǒ de yín háng zhàng hù yǒu wǔ qiān yuán. | \nwoo de yn harng janq huh yeou wuu chian yuan. | \n
This is the colloquial term, and probably the one you’ll hear most often in your everyday life. It’s somewhat like saying “buck” in English, but perhaps a bit less informal. For example, someone might say “这本书二十块” meaning that the book costs 20 yuan.
\nYou’ll use this word mostly in verbal speech in everyday conversations, such as shopping, dining, and casual conversations about money. It’s less formal than 元 and typically used among friends, family, and in informal settings. Despite its casual nature, you’ll find that 块 is universally understood and used, making it one of the most important words for anyone trying to learn Chinese.
\n| English | \nChinese | \nPinyin | \nPronunciation | \n
| This cup of coffee costs twenty kuai. | \n这杯咖啡二十块。 | \nzhè bēi kā fēi èr shí kuài. | \njeh bei ka fei ell shyr kuay. | \n
| I only have ten kuai. | \n我只有十块钱。 | \nwǒ zhǐ yǒu shí kuài qián. | \nwoo jyy yeou shyr kuay chyan. | \n
| Can you lend me five kuai? | \n你能借我五块吗？ | \nnǐ néng jiè wǒ wǔ kuài ma? | \nnii neng jieh woo wuu kuay mha? | \n
In the international context, the official currency of China: renminbi (RMB), meaning People's Currency, is represented by the sign ¥. This is the official currency sign for CNY, just like the dollar sign $ for the United States dollar or the € sign for the euro. While RMB refers to the currency itself, CNY denotes the specific unit of that currency, the yuan. Oftentimes, you might see RMB and CNY used interchangeably.
\n| English | \nChinese | \nPinyin | \nPronunciation | \n
| The price of this phone is ¥5000. | \n这部手机的价格是¥5000。 | \nzhè bù shǒu jī de jià gé shì ¥5000. | \njeh buh shoou ji de jiah ger shyh ¥5000. | \n
| I spent ¥100. | \n我今天花了¥100。 | \nwǒ jīn tiān huā le ¥100. | \nwoo jin tian hua lhe ¥100. | \n
| She gave me ¥50 as a gift. | \n她给了我¥50作为礼物。 | \ntā gěi le wǒ ¥50 zuò wéi lǐ wù. | \nta geei lhe woo ¥50 tzuoh wei lii wuh. | \n
This character refers to jiao, a unit of currency that is one-tenth of a yuan. This character is used in more formal and written contexts. It appears on banknotes, coins, and official financial documents. For example, a price might be written as 1.5 元 and could also be expressed as 一元五角 to denote one yuan and five jiao.
\n| English | \nChinese | \nPinyin | \nPronunciation | \n
| One yuan equals ten jiao. | \n一元等于十角。 | \nyì yuán děng yú shí jiǎo. | \nyih yuan deeng yu shyr jeau. | \n
| The price of this notebook is three yuan five jiao. | \n这本笔记本的价格是三元五角。 | \nzhè běn bǐ jì běn de jià gé shì sān yuán wǔ jiǎo. | \njeh been bii jih been de jiah ger shyh san yuan wuu jeau. | \n
| He gave me one jiao as the change. | \n他找给我一角钱。 | \ntā zhǎo gěi wǒ yì jiǎo qián. | \nta jao geei woo yih jeau chyan. | \n
This is the colloquial term for the 角, which is one-tenth of a yuan. It’s widely used in everyday language to refer to small amounts of money. For example, if an item costs 0.50 yuan, you would say it costs 五毛, or five mao. The term 毛 is particularly useful in informal settings like markets, and small shops, and when discussing minor expenses with friends and family.
\n| English | \nChinese | \nPinyin | \nPronunciation | \n
| This candy costs five mao. | \n这颗糖五毛。 | \nzhè kē táng wǔ máo. | \njeh ke tarng wuu mau. | \n
| I only need a few mao. | \n我只需要几毛钱。 | \nwǒ zhǐ xū yào jǐ máo qián. | \nwoo jyy shiu yaw jii mau chyan. | \n
| Do you have one mao? | \n你有一毛吗？ | \nnǐ yǒu yì máo ma? | \nnii yeou yih mau mha? | \n
This is the smallest unit of Chinese currency, equivalent to one-hundredth of a yuan. It’s used for very small amounts of money, often in pricing for items with precise costs like utilities or wholesale goods.
\nFor example, an item priced 0.08 元 would be referred to as 八分. Although rarely used, this character is helpful in situations where expressing exact prices is important so transactions can be accurate to the last decimal. It appears on some older coins, although they’re rarely in use now.
\n| English | \nChinese | \nPinyin | \nPronunciation | \n
| The pencil costs seven jiao eight fen. | \n这支铅笔七角八分。 | \nzhè zhī qiān bǐ qī jiǎo bā fēn. | \njeh jy chian bii chi jeau ba fen. | \n
| I only have five fen. | \n我只有五分。 | \nwǒ zhǐ yǒu wǔ fēn. | \nwoo jyy yeou wuu fen. | \n
| Can you give me one fen? | \n你能给我一分吗？ | \nnǐ néng gěi wǒ yì fēn ma? | \nnii neng geei woo yih fen mha? | \n
Now that you’re familiar with the basic units of money in Chinese, it’s time to review some vocabulary words. Here are the 20 most important words about money in Chinese. You’ll find essential vocabulary words and phrases, as well as a few adjectives in Chinese to describe the value of things.
\n| English | \nChinese | \nPinyin | \nPronunciation | \n
| Currency | \n货币 | \nhuò bì | \nhuoh bih | \n
| Paper money | \n纸币 | \nzhǐ bì | \njyy bih | \n
| Coin | \n硬币 | \nyìng bì | \nyinq bih | \n
| Cash | \n现金 | \nxiàn jīn | \nshiann jin | \n
| Small change | \n零钱 | \nlíng qián | \nling chyan | \n
| How much money | \n多少钱 | \nduō shǎo qián | \nduo shao chyan | \n
| Expensive | \n贵 | \nguì | \nguey | \n
| Cheap | \n便宜 | \npián yi | \npyan i | \n
| Discount | \n折扣 | \nzhé kòu | \njer kow | \n
| Price | \n价格 | \njià gé | \njiah ger | \n
| To spend money | \n花钱 | \nhuā qián | \nhua chyan | \n
| To give money | \n给钱 | \ngěi qián | \ngeei chyan | \n
| To give change | \n找钱 | \nzhǎo qián | \njao chyan | \n
| To pay in cash | \n付现金 | \nfù xiàn jīn | \nfuh shiann jin | \n
| How much money do I need to pay? | \n我需要支付多少钱？ | \nwǒ xū yào zhī fù duō shǎo qián？ | \nwoo shiu yaw jy fuh duo shao chyan? | \n
| To save money | \n省钱 | \nshěng qián | \nsheeng chyan | \n
| Receipt | \n收据 | \nshōu jù | \nshou jiuh | \n
| Wallet | \n钱包 | \nqián bāo | \nchyan bau | \n
| Person | \nEnglish | \nChinese | \nPinyin | \nPronunciation | \n
| A: | \nDo you have money? | \n你有钱吗？ | \nnǐ yǒu qián ma? | \nnii yeou chyan mha? | \n
| B: | \nA little. How much do you need? | \n有一点。你需要多少？ | \nyǒu yì diǎn. nǐ xū yào duō shǎo? | \nyeou yih dean. nii shiu yaw duo shao? | \n
| A: | \nI need fifty kuai. | \n我需要五十块。 | \nwǒ xū yào wǔ shí kuài. | \nwoo shiu yaw wuu shyr kuay. | \n
| B: | \nOkay, here you go. | \n好的，这个给你。 | \nhǎo de, zhè ge gěi nǐ. | \nhao de, jeh ge geei nii. | \n
| A: | \nThank you. | \n谢谢你。 | \nxiè xie nǐ. | \nshieh shie nii. | \n
| B: | \nYou’re welcome. | \n不客气。 | \nbú kè qì. | \nbwu keh chih. | \n
| Person | \nEnglish | \nChinese | \nPinyin | \nPronunciation | \n
| A: | \nCan I ask how much this is? | \n请问这个多少钱？ | \nqǐng wèn zhè ge duō shǎo qián? | \nchiing wenn jeh geh duo shao chyan? | \n
| B: | \nTwenty kuai. | \n二十块。 | \nèr shí kuài. | \nell shyr kuay | \n
| A: | \nCan it be cheaper? | \n可以便宜点吗？ | \nkě yǐ pián yi diǎn ma? | \nkee yii pyan i dean mha? | \n
| B: | \nEighteen kuai, is that okay? | \n十八块，可以吗？ | \nshí bā kuài, kě yǐ ma? | \nshyr ba kuay, kee yii mha? | \n
| A: | \nOkay, I’ll buy it. | \n好的，我买了。 | \nhǎo de, wǒ mǎi le. | \nhao de, woo mae lhe. | \n
| B: | \nThank you, here you go. | \n谢谢，给你。 | \nxiè xie, gěi nǐ. | \nshieh shie, geei nii. | \n
Now, let’s take a closer look at some specific sectors in finance, accounting, and banking. The following sections will go deep into the vocabulary commonly used when discussing banking and finances in Chinese. If you’re looking to open a bank account, apply for a loan, study finance in China or work in China, then these sections are for you. Each section starts with a list of vocabulary words and is followed by two example conversations using some of the vocabulary words.
\n![\"Colleagues\n](\"https://images.contentstack.io/v3/assets/bltacc1a01c4d280f24/blt90d6b75d2b58a058/66c6f088aff77d2d6bc43ca7/istock-1201192280.jpg?auto=webp&format=pjpg&quality=80&\")
If you’re here for a quick overview, then this list is for you. Below, you’ll find 40 basic words about money and finance in Chinese:
\n| English | \nChinese | \nPinyin | \nPronunciation | \n
| Finance | \n金融 | \njīn róng | \njin rong | \n
| Economics | \n经济 | \njīng jì | \njing jih | \n
| Profit | \n利润 | \nlì rùn | \nlih ruenn | \n
| Profit | \n收益 | \nshōu yì | \nshou yih | \n
| Inflation | \n通货膨胀 | \ntōng huò péng zhàng | \ntong huoh perng janq | \n
| Deflation | \n通货紧缩 | \ntōng huò jǐn suō | \ntong huoh jiin suo | \n
| Gross domestic product (GDP) | \n国内生产总值 | \nguó nèi shēng chǎn zǒng zhí | \ngwo ney sheng chaan tzoong jyr | \n
| Interest rate | \n利率 | \nlì lǜ | \nlih liuh | \n
| Revenue | \n收入 | \nshōu rù | \nshou ruh | \n
| Expenditure | \n支出 | \nzhī chū | \njy chu | \n
| Debt | \n债务 | \nzhài wù | \njay wuh | \n
| Equity | \n股本 | \ngǔ běn | \nguu been | \n
| Asset | \n资产 | \nzī chǎn | \ntzy chaan | \n
| Liability | \n负债 | \nfù zhài | \nfuh jay | \n
| Net worth | \n净值 | \njìng zhí | \njinq jyr | \n
| Balance sheet | \n资产负债表 | \nzī chǎn fù zhài biǎo | \ntzy chaan fuh jay beau | \n
| Income statement | \n收益表 | \nshōu yì biǎo | \nshou yih beau | \n
| Cash flow | \n现金流 | \nxiàn jīn liú | \nshiann jin liou | \n
| Investment | \n投资 | \ntóu zī | \ntour tzy | \n
| Stock market | \n股票市场 | \ngǔ piào shì chǎng | \nguu piaw shyh chaang | \n
| Bankruptcy | \n破产 | \npò chǎn | \npoh chaan | \n
| Audit | \n审计 | \nshěn jì | \nsheen jih | \n
| Accounting | \n会计 | \nkuài jì | \nkuay jih | \n
| Budget | \n预算 | \nyù suàn | \nyuh suann | \n
| Subsidy | \n补贴 | \nbǔ tiē | \nbuu tie | \n
| Financial statement | \n财务报表 | \ncái wù bào biǎo | \ntsair wuh baw beau | \n
| Foreign exchange | \n外汇 | \nwài huì | \nway huey | \n
| Treasury | \n财政部 | \ncái zhèng bù | \ntsair jenq buh | \n
| Market Economy | \n市场经济 | \nshì chǎng jīng jì | \nshyh chaang jing jih | \n
| Public Finance | \n公共财政 | \ngōng gòng cái zhèng | \ngong gonq tsair jenq | \n
| Monetary Policy | \n货币政策 | \nhuò bì zhèng cè | \nhuoh bih jenq tseh | \n
| Credit Rating | \n信用评级 | \nxìn yòng píng jí | \nshinn yonq pyng jyi | \n
| Insurance | \n保险 | \nbǎo xiǎn | \nbao shean | \n
| Pension | \n养老金 | \nyǎng lǎo jīn | \nyeang lao jin | \n
| Person | \nEnglish | \nChinese | \nPinyin | \nPronunciation | \n
| A: | \nDo you understand finance? | \n你了解金融吗？ | \nnǐ liǎo jiě jīn róng ma? | \nnii leau jiee jin rong mha? | \n
| B: | \nI’ve studied it a bit. | \n我学过一些。 | \nwǒ xué guò yì xiē. | \nwoo shyue guoh yih shie | \n
| A: | \nWhat is a balance sheet? | \n什么是资产负债表？ | \nshén me shì zī chǎn fù zhài biǎo? | \nshern me shyh tzy chaan fuh jay beau? | \n
| B: | \nIt is a financial statement that contains information about a company's assets and liabilities. | \n它是一种含有公司资产和负债等信息的财务报表。 | \ntā shì yì zhǒng hán yǒu gōng sī zī chǎn hé fù zhài děng xìn xī de cái wù bào biǎo. | \nta shyh yih joong harn yeou gong sy tzy chaan her fuh jay deeng shinn shi de tsair wuh baw beau | \n
| A: | \nThen, what is net worth? | \n那净值是什么？ | \nnà jìng zhí shì shén me? | \nnah jinq jyr shyh shern me? | \n
| B: | \nNet worth is assets minus liabilities. | \n净值是资产减去负债后的差额。 | \njìng zhí shì zī chǎn jiǎn qù fù zhài hòu de chā é. | \njinq jyr shyh tzy chaan jean chiuh fuh jay how de cha er. | \n
| Person | \nEnglish | \nChinese | \nPinyin | \nPronunciation | \n
| A: | \nDo you invest in stocks? | \n你投资股票吗？ | \nnǐ tóu zī gǔ piào ma? | \nnii tour tzy guu piaw mha? | \n
| B: | \nI’ve bought some stocks. | \n我有买一些股票。 | \nwǒ yǒu mǎi yì xiē gǔ piào. | \nwoo yeou mae yih shie guu piaw. | \n
| A: | \nHow are the profits? | \n收益如何？ | \nshōu yì rú hé? | \nshou yih ru her? | \n
| B: | \nThe profits are good this year. | \n今年收益不错。 | \njīn nián shōu yì bú cuò. | \njin nian shou yih bwu tsuoh. | \n
| A: | \nDo you have other investments? | \n你还有其他投资吗？ | \nnǐ hái yǒu qí tā tóu zī ma? | \nnii hair yeou chyi ta tour tzy mha? | \n
| B: | \nI’ve also invested in real estate. | \n我还投了房地产。 | \nwǒ hái tóu le fáng dì chǎn. | \nwoo hair tour lhe farng dih chaan. | \n
If you’re moving to China to work or study, one of the first things you’ll want to do is open a bank account. Having a local bank account will be extremely helpful as you’ll be able to transfer money to your friends and acquaintances through WeChat, which you currently wouldn’t be able to do if you’ve only linked your international credit cards. Here are some of the vocabulary words you’ll want to know before heading over to the bank.
\n| English | \nChinese | \nPinyin | \nPronunciation | \n
| Bank | \n银行 | \nyín háng | \nyn harng | \n
| Bank account | \n银行账户 | \nyín háng zhàng hù | \nyn harng janq huh | \n
| Savings account | \n储蓄账户 | \nchǔ xù zhàng hù | \nchuu shiuh janq huh | \n
| Checking account | \n支票账户 | \nzhī piào zhàng hù | \njy piaw janq huh | \n
| Account number | \n账号 | \nzhàng hào | \njanq haw | \n
| ATM | \n自动取款机 | \nzì dòng qǔ kuǎn jī | \ntzyh donq cheu koan ji | \n
| Debit card | \n借记卡 | \njiè jì kǎ | \njieh jih kaa | \n
| Credit card | \n信用卡 | \nxìn yòng kǎ | \nshinn yonq kaa | \n
| Online banking | \n网上银行 | \nwǎng shàng yín háng | \nwoang shanq yn harng | \n
| Mobile banking | \n手机银行 | \nshǒu jī yín háng | \nshoou ji yn harng | \n
| Deposit | \n存款 | \ncún kuǎn | \ntswen koan | \n
| Withdrawal | \n取款 | \nqǔ kuǎn | \ncheu koan | \n
| Transfer | \n转账 | \nzhuǎn zhàng | \njoan janq | \n
| Balance | \n余额 | \nyú é | \nyu er | \n
| Mortgage | \n抵押贷款 | \ndǐ yā dài kuǎn | \ndii ia day koan | \n
| Branch | \n分行 | \nfēn háng | \nfen harng | \n
| Customer service | \n客户服务/客服 | \nkè hù fú wù/kè fú | \nkeh huh fwu wuh/keh fwu | \n
| PIN/password | \n密码 | \nmì mǎ | \nmih maa | \n
| Statement | \n对账单 | \nduì zhàng dān | \nduey janq dan | \n
| Fee | \n手续费 | \nshǒu xù fèi | \nshoou shiuh fey | \n
| Overdraft | \n透支 | \ntòu zhī | \ntow jy | \n
| Account holder | \n账户持有人 | \nzhàng hù chí yǒu rén | \njanq huh chyr yeou ren | \n
| Safety deposit box | \n保险箱 | \nbǎo xiǎn xiāng | \nbao shean shiang | \n
| Banking hours | \n营业时间 | \nyíng yè shí jiān | \nyng yeh shyr jian | \n
| Cheque | \n支票 | \nzhī piào | \njy piaw | \n
| Bank statement | \n银行对账单 | \nyín háng duì zhàng dān | \nyn harng duey janq dan | \n
| Minimum balance | \n最低余额 | \nzuì dī yú é | \ntzuey di yu er | \n
| Deposit slip | \n存款单 | \ncún kuǎn dān | \ntswen koan dan | \n
| Withdrawal slip | \n取款单 | \nqǔ kuǎn dān | \ncheu koan dan | \n
| Foreign currency | \n外币 | \nwài bì | \nway bih | \n
| Direct deposit | \n直接存款 | \nzhí jiē cún kuǎn | \njyr jie tswen koan | \n
| Interest-bearing account | \n计息账户 | \njì xī zhàng hù | \njih shi janq huh | \n
| Certificate of deposit (CD) | \n存单 | \ncún dān | \ntswen dan | \n
| Joint account | \n联名账户 | \nlián míng zhàng hù | \nlian ming janq huh | \n
| Person | \nEnglish | \nChinese | \nPinyin | \nPronunciation | \n
| A: | \nHello, I would like to open a bank account. | \n你好，我想开一个银行账户。 | \nnǐ hǎo, wǒ xiǎng kāi yí gè yín háng zhàng hù. | \nnii hao, woo sheang kai yi geh yn harng janq huh. | \n
| B: | \nHello, do you need a savings account or a checking account? | \n您好，请问您需要储蓄账户还是支票账户？ | \nnín hǎo, qǐng wèn nín xū yào chǔ xù zhàng hù hái shì zhī piào zhàng hù? | \nnin hao, chiing wenn nin shiu yaw chuu shiuh janq huh hair shyh jy piaw janq huh? | \n
| A: | \nA savings account, please. | \n储蓄账户，谢谢。 | \nchǔ xù zhàng hù, xiè xie. | \nchuu shiuh janq huh, shieh shie. | \n
| B: | \nPlease fill out this form and provide your ID. | \n请填写这张表格并提供您的身份证。 | \nqǐng tián xiě zhè zhāng biǎo gé bìng tí gōng nín de shēn fèn zhèng. | \nchiing tyan shiee jeh jang beau ger binq tyi gong nin de shen fenn jenq. | \n
| A: | \nOkay. Is there a minimum balance requirement? | \n好的。请问有最低余额的要求吗？ | \nhǎo de. qǐng wèn yǒu zuì dī yú é de yāo qiú ma? | \nhao de. chiing wenn yeou tzuey di yu er de iau chyou mha? | \n
| B: | \nYes, the minimum balance is fifty yuan. | \n有的，最低余额是五十元。 | \nyǒu de, zuì dī yú é shì wǔ shí yuán. | \nyeou de, tzuey di yu er shyh wuu shyr yuan. | \n
| Person | \nEnglish | \nChinese | \nPinyin | \nPronunciation | \n
| A: | \nExcuse me, where is the ATM? | \n请问自动取款机在哪里？ | \nqǐng wèn zì dòng qǔ kuǎn jī zài nǎ lǐ? | \nchiing wenn tzyh donq cheu koan ji tzay naa lii? | \n
| B: | \nIt’s on the right side of the bank entrance. | \n在银行门口右边。 | \nzài yín háng mén kǒu yòu bian. | \ntzay yn harng men koou yow bian. | \n
| A: | \nThank you. I also want to learn about online banking. | \n谢谢。我还想了解网上银行。 | \nxiè xie. wǒ hái xiǎng liǎo jiě wǎng shàng yín háng. | \nshieh shie. woo hair sheang leau jiee woang shanq yn harng. | \n
| B: | \nYou can check balances, transfer money, and pay bills online. | \n您可以在网上银行查看余额，转账和支付账单。 | \nnín kě yǐ zài wǎng shàng yín háng chá kàn yú é, zhuǎn zhàng hé zhī fù zhàng dān. | \nnin kee yii tzay woang shanq yn harng char kann yu er, joan janq her jy fuh janq dan. | \n
| A: | \nWhat about mobile banking? | \n那手机银行呢？ | \nnà shǒu jī yín háng ne? | \nnah shoou ji yn harng nhe? | \n
| B: | \nMobile banking has the same functions as online banking but is more convenient. | \n手机银行功能和网上银行一样，但更方便。 | \nshǒu jī yín háng gōng néng hé wǎng shàng yín háng yí yàng, dàn gèng fāng biàn. | \nshoou ji yn harng gong neng her woang shanq yn harng yi yanq, dann genq fang biann. | \n
Making payments in China is a little different than most of the world. However, you shouldn’t let language add another layer of complexity. Here are some of the most important words about payments in Chinese:
\n| English | \nChinese | \nPinyin | \nPronunciation | \n
| Alipay | \n支付宝 | \nzhī fù bǎo | \njy fuh bao | \n
| Wire transfer | \n电汇 | \ndiàn huì | \ndiann huey | \n
| Mobile payment | \n手机支付 | \nshǒu jī zhī fù | \nshoou ji jy fuh | \n
| Payment | \n支付 | \nzhī fù | \njy fuh | \n
| Transaction | \n交易 | \njiāo yì | \njiau yih | \n
| Online payment | \n在线支付 | \nzài xiàn zhī fù | \ntzay shiann jy fuh | \n
| PayPal | \n贝宝 | \nbèi bǎo | \nbey bao | \n
| QR code payment | \n二维码支付 | \nèr wéi mǎ zhī fù | \nell wei maa jy fuh | \n
| WeChat Pay | \n微信支付 | \nwēi xìn zhī fù | \nuei shinn jy fuh | \n
| Point of sale (POS) | \n销售点 | \nxiāo shòu diǎn | \nshiau show dean | \n
| Payment gateway | \n支付网关 | \nzhī fù wǎng guān | \njy fuh woang guan | \n
| Recurring payment | \n定期支付 | \ndìng qī zhī fù | \ndinq chi jy fuh | \n
| One-time payment | \n一次性支付 | \nyí cì xìng zhī fù | \nyi tsyh shinq jy fuh | \n
| Installment payment | \n分期付款 | \nfēn qī fù kuǎn | \nfen chi fuh koan | \n
| Direct debit | \n直接借记 | \nzhí jiē jiè jì | \njyr jie jieh jih | \n
| Electronic funds transfer (EFT) | \n电子资金转账 | \ndiàn zǐ zī jīn zhuǎn zhàng | \ndiann tzyy tzy jin joan janq | \n
| Automatic payment | \n自动支付 | \nzì dòng zhī fù | \ntzyh donq jy fuh | \n
| Invoice payment | \n发票支付 | \nfā piào zhī fù | \nfa piaw jy fuh | \n
| Contactless payment | \n非接触式支付 | \nfēi jiē chù shì zhī fù | \nfei jie chuh shyh jy fuh | \n
| Cryptocurrency payment | \n加密货币支付 | \njiā mì huò bì zhī fù | \njia mih huoh bih jy fuh | \n
| Apple Pay | \n苹果支付 | \npíng guǒ zhī fù | \npyng guoo jy fuh | \n
| Google Pay | \n谷歌支付 | \ngǔ gē zhī fù | \nguu ge jy fuh | \n
| Payment confirmation | \n支付确认 | \nzhī fù què rèn | \njy fuh chiueh renn | \n
| Payment method | \n支付方式 | \nzhī fù fāng shì | \njy fuh fang shyh | \n
| Bank transfer | \n银行转账 | \nyín háng zhuǎn zhàng | \nyn harng joan janq | \n
| Cash on delivery | \n货到付款 | \nhuò dào fù kuǎn | \nhuoh daw fuh koan | \n
| Prepaid card | \n预付卡 | \nyù fù kǎ | \nyuh fuh kaa | \n
| Gift card | \n礼品卡 | \nlǐ pǐn kǎ | \nlii piin kaa | \n
| Payment receipt | \n支付收据 | \nzhī fù shōu jù | \njy fuh shou jiuh | \n
| Payment processing | \n支付处理 | \nzhī fù chǔ lǐ | \njy fuh chuu lii | \n
| Billing | \n账单 | \nzhàng dān | \njanq dan | \n
| Payment terms | \n支付条款 | \nzhī fù tiáo kuǎn | \njy fuh tyau koan | \n
| Overdue payment | \n逾期付款 | \nyú qī fù kuǎn | \nyu chi fuh koan | \n
| Refund | \n退款 | \ntuì kuǎn | \ntuey koan | \n
| Secure payment | \n安全支付 | \nān quán zhī fù | \nan chyuan jy fuh | \n
| Merchant account | \n商家账户 | \nshāng jiā zhàng hù | \nshang jia janq huh | \n
| Person | \nEnglish | \nChinese | \nPinyin | \nPronunciation | \n
| A: | \nHello, can I pay with credit card? | \n你好，我可以用信用卡支付吗？ | \nnǐ hǎo, wǒ kě yǐ yòng xìn yòng kǎ zhī fù ma? | \nnii hao, woo kee yii yonq shinn yonq kaa jy fuh mha? | \n
| B: | \nOf course, we also accept debit cards and cash. | \n当然可以，我们也接受借记卡和现金。 | \ndāng rán kě yǐ, wǒ men yě jiē shòu jiè jì kǎ hé xiàn jīn. | \ndang ran kee yii, woo mhen yee jie show jieh jih kaa her shiann jin. | \n
| A: | \nCan I use Alipay? | \n可以用支付宝吗？ | \nkě yǐ yòng zhī fù bǎo ma? | \nkee yii yonq jy fuh bao mha? | \n
| B: | \nYes, you can also use WeChat or Alipay. | \n可以，您也可以用微信或支付宝支付。 | \nkě yǐ, nín yě kě yǐ yòng wēi xìn huò zhī fù bǎo zhī fù. | \nkee yii, nin yee kee yii yonq uei shinn huoh jy fuh bao jy fuh. | \n
| A: | \nIs contactless payment accepted? | \n接受非接触式支付吗？ | \njiē shòu fēi jiē chù shì zhī fù ma? | \njie show fei jie chuh shyh jy fuh mha? | \n
| B: | \nYes, you just need to hold the card close to the POS machine. | \n接受，您只需将卡靠近POS机即可。 | \njiē shòu, nín zhǐ xū jiāng kǎ kào jìn POS jī jí kě. | \njie show, nin jyy shiu jiang kaa kaw jinn POS ji jyi kee. | \n
| Person | \nEnglish | \nChinese | \nPinyin | \nPronunciation | \n
| A: | \nHello, I want to learn about online payments. | \n你好，我想了解在线支付。 | \nnǐ hǎo, wǒ xiǎng liǎo jiě zài xiàn zhī fù. | \nnii hao, woo sheang leau jiee tzay shiann jy fuh. | \n
| B: | \nYou can use PayPal or Apple Pay to make online payments. | \n您可以用贝宝或者苹果支付进行在线支付。 | \nnín kě yǐ yòng bèi bǎo huò zhě píng guǒ zhī fù jìn xíng zài xiàn zhī fù. | \nnin kee yii yonq bey bao huoh jee pyng guoo jy fuh jinn shyng tzay shiann jy fuh. | \n
| A: | \nWhat’s the difference between recurring payments and one-time payments? | \n定期支付和一次性支付有什么区别？ | \ndìng qī zhī fù hé yí cì xìng zhī fù yǒu shén me qū bié? | \ndinq chi jy fuh her yi tsyh shinq jy fuh yeou shern me chiu bye? | \n
| B: | \nRecurring payments are automatic regular deductions, and one-time payment is a single payment. | \n定期支付是定期自动扣款，一次性支付是单次支付。 | \ndìng qī zhī fù shì dìng qī zì dòng kòu kuǎn, yí cì xìng zhī fù shì dān cì zhī fù. | \ndinq chi jy fuh shyh dinq chi tzyh donq kow koan, yi tsyh shinq jy fuh shyh dan tsyh jy fuh. | \n
| A: | \nCan I set up automatic bill payments? | \n我可以设置自动账单支付吗？ | \nwǒ kě yǐ shè zhì zì dòng zhàng dān zhī fù ma? | \nwoo kee yii sheh jyh tzyh donq janq dan jy fuh mha? | \n
| B: | \nYes, you can set it up through online banking or mobile banking. | \n可以，您可以通过网上银行或手机银行设置。 | \nkě yǐ, nín kě yǐ tōng guò wǎng shàng yín háng huò shǒu jī yín háng shè zhì. | \nkee yii, nin kee yii tong guoh woang shanq yn harng huoh shoou ji yn harng sheh jyh. | \n
Talking about loans and investments isn’t something only financiers and investment bankers do — it’s a part of every person’s financial planning. Whether you work in finance or want to explore your financial opportunities in China, these words have a place in everyone’s vocabulary.
\n| English | \nChinese | \nPinyin | \nPronunciation | \n
| Loan | \n贷款 | \ndài kuǎn | \nday koan | \n
| Interest | \n利息 | \nlì xī | \nlih shi | \n
| Fund | \n基金 | \njī jīn | \nji jin | \n
| Bond | \n债券 | \nzhài quàn | \njay chiuann | \n
| Principal | \n本金 | \nběn jīn | \nbeen jin | \n
| Collateral | \n抵押品 | \ndǐ yā pǐn | \ndii ia piin | \n
| Dividend | \n红利 | \nhóng lì | \nhorng lih | \n
| Return on investment (ROI) | \n投资回报率 | \ntóu zī huí bào lǜ | \ntour tzy hwei baw liuh | \n
| Stock | \n股票 | \ngǔ piào | \nguu piaw | \n
| Mutual fund | \n共同基金 | \ngòng tóng jī jīn | \ngonq torng ji jin | \n
| Private equity | \n私募股权 | \nsī mù gǔ quán | \nsy muh guu chyuan | \n
| Venture capital | \n风险投资 | \nfēng xiǎn tóu zī | \nfeng shean tour tzy | \n
| Hedge fund | \n对冲基金 | \nduì chōng jī jīn | \nduey chong ji jin | \n
| Portfolio | \n投资组合 | \ntóu zī zǔ hé | \ntour tzy tzuu her | \n
| Risk | \n风险 | \nfēng xiǎn | \nfeng shean | \n
| Yield | \n收益 | \nshōu yì | \nshou yih | \n
| Capital gain | \n资本收益 | \nzī běn shōu yì | \ntzy been shou yih | \n
| Depreciation | \n折旧 | \nzhé jiù | \njer jiow | \n
| Appreciation | \n增值 | \nzēng zhí | \ntzeng jyr | \n
| Repayment | \n还款 | \nhuán kuǎn | \nhwan koan | \n
| Fixed interest rate | \n固定利率 | \ngù dìng lì lǜ | \nguh dinq lih liuh | \n
| Variable interest rate | \n浮动利率 | \nfú dòng lì lǜ | \nfwu donq lih liuh | \n
| Default | \n违约 | \nwéi yuē | \nwei iue | \n
| Foreclosure | \n丧失抵押品赎回权 | \nsàng shī dǐ yā pǐn shú huí quán | \nsanq shy dii ia piin shwu hwei chyuan | \n
| Credit line | \n信贷额度 | \nxìn dài é dù | \nshinn day er duh | \n
| Asset management | \n资产管理 | \nzī chǎn guǎn lǐ | \ntzy chaan goan lii | \n
| Annuity | \n年金 | \nnián jīn | \nnian jin | \n
| Pension fund | \n养老金基金 | \nyǎng lǎo jīn jī jīn | \nyeang lao jin ji jin | \n
| Real estate investment | \n房地产投资 | \nfáng dì chǎn tóu zī | \nfarng dih chaan tour tzy | \n
| Savings bond | \n储蓄债券 | \nchǔ xù zhài quàn | \nchuu shiuh jay chiuann | \n
| Securities | \n证券 | \nzhèng quàn | \njenq chiuann | \n
| Leveraged buyout | \n杠杆收购 | \ngàng gǎn shōu gòu | \nganq gaan shou gow | \n
| Loan application | \n贷款申请 | \ndài kuǎn shēn qǐng | \nday koan shen chiing | \n
| Applicant | \n申请人 | \nshēn qǐng rén | \nshen chiing ren | \n
| Application form | \n申请表 | \nshēn qǐng biǎo | \nshen chiing beau | \n
| Credit history | \n信用记录 | \nxìn yòng jì lù | \nshinn yonq jih luh | \n
| Credit report | \n信用报告 | \nxìn yòng bào gào | \nshinn yonq baw gaw | \n
| Credit score | \n信用评分 | \nxìn yòng píng fēn | \nshinn yonq pyng fen | \n
| Proof of income | \n收入证明 | \nshōu rù zhèng míng | \nshou ruh jenq ming | \n
| Proof of employment | \n就业证明 | \njiù yè zhèng míng | \njiow yeh jenq ming | \n
| Proof of identity | \n身份证明 | \nshēn fèn zhèng míng | \nshen fenn jenq ming | \n
| Collateral evaluation | \n抵押品评估 | \ndǐ yā pǐn píng gū | \ndii ia piin pyng gu | \n
| Loan officer | \n贷款专员 | \ndài kuǎn zhuān yuán | \nday koan juan yuan | \n
| Loan approval | \n贷款批准 | \ndài kuǎn pī zhǔn | \nday koan pi joen | \n
| Loan agreement | \n贷款协议 | \ndài kuǎn xié yì | \nday koan shye yih | \n
| Joint guarantor | \n联名担保人 | \nlián míng dān bǎo rén | \nlian ming dan bao ren | \n
| Down payment | \n首付款 | \nshǒu fù kuǎn | \nshoou fuh koan | \n
| Loan Prime Rate (LPR) | \n报价利率 | \nbào jià lì lǜ | \nbaw jiah lih liuh | \n
| Loan term | \n贷款期限 | \ndài kuǎn qī xiàn | \nday koan chi shiann | \n
| Monthly payment | \n月供 | \nyuè gōng | \nyueh gong | \n
| Loan processing fee | \n贷款处理费 | \ndài kuǎn chǔ lǐ fèi | \nday koan chuu lii fey | \n
| Loan documentation | \n贷款文件 | \ndài kuǎn wén jiàn | \nday koan wen jiann | \n
| Pre-approval | \n预批准 | \nyù pī zhǔn | \nyuh pi joen | \n
| Underwrite | \n承保 | \nchéng bǎo | \ncherng bao | \n
| Loan conditions | \n贷款条件 | \ndài kuǎn tiáo jiàn | \nday koan tyau jiann | \n
| Debt consolidation | \n债务合并 | \nzhài wù hé bìng | \njay wuh her binq | \n
| Loan disbursement | \n贷款发放 | \ndài kuǎn fā fàng | \nday koan fa fanq | \n
| Loan maturity | \n贷款到期 | \ndài kuǎn dào qī | \nday koan daw chi | \n
| Refinancing | \n再融资 | \nzài róng zī | \ntzay rong tzy | \n
| Loan default | \n贷款违约 | \ndài kuǎn wéi yuē | \nday koan wei iue | \n
| Repayment plan | \n还款计划 | \nhuán kuǎn jì huà | \nhwan koan jih huah | \n
| Grace period | \n宽限期 | \nkuān xiàn qī | \nkuan shiann chi | \n
| Interest-only loan | \n仅付利息型贷款 | \njǐn fù lì xī xíng dài kuǎn | \njiin fuh lih shi shyng day koan | \n
| Principal repayment | \n本金偿还 | \nběn jīn cháng huán | \nbeen jin charng hwan | \n
| Loan amortization | \n贷款摊还 | \ndài kuǎn tān huán | \nday koan tan hwan | \n
| Loan rejection | \n贷款被拒 | \ndài kuǎn bèi jù | \nday koan bey jiuh | \n
| Prepayment penalty | \n提前还款罚金 | \ntí qián huán kuǎn fá jīn | \ntyi chyan hwan koan far jin | \n
| Fixed rate loan | \n固定利率贷款 | \ngù dìng lì lǜ dài kuǎn | \nguh dinq lih liuh day koan | \n
| Floating rate loan | \n浮动利率贷款 | \nfú dòng lì lǜ dài kuǎn | \nfwu donq lih liuh day koan | \n
| Loan servicing | \n贷款服务 | \ndài kuǎn fú wù | \nday koan fwu wuh | \n
| Loan origination fee | \n贷款启动费 | \ndài kuǎn qǐ dòng fèi | \nday koan chii donq fey | \n
| Person | \nEnglish | \nChinese | \nPinyin | \nPronunciation | \n
| A: | \nHello, I want to apply for a loan. | \n你好，我想申请贷款。 | \nnǐ hǎo, wǒ xiǎng shēn qǐng dài kuǎn. | \nnii hao, woo sheang shen chiing day koan. | \n
| B: | \nHello, what type of loan do you need? | \n您好，请问您需要哪种贷款？ | \nnín hǎo, qǐng wèn nín xū yào nǎ zhǒng dài kuǎn? | \nnin hao, chiing wenn nin shiu yaw naa joong day koan? | \n
| A: | \nI need a mortgage loan. What’s the interest rate? | \n我需要抵押贷款。利率是多少？ | \nwǒ xū yào dǐ yā dài kuǎn. lì lǜ shì duō shǎo? | \nwoo shiu yaw dii ia day koan. lih liuh shyh duo shao? | \n
| B: | \nWe offer both fixed and variable interest rate products. Which do you prefer? | \n我们有固定利率和浮动利率产品，您更偏好哪种？ | \nwǒ men yǒu gù dìng lì lǜ hé fú dòng lì lǜ chǎn pǐn, nín gèng piān hào nǎ zhǒng? | \nwoo mhen yeou guh dinq lih liuh her fwu donq lih liuh chaan piin, nin genq pian haw naa joong? | \n
| A: | \nA fixed rate is better. What’s the loan term? | \n固定利率更好。贷款期限是多久？ | \ngù dìng lì lǜ gèng hǎo. dài kuǎn qī xiàn shì duō jiǔ? | \nguh dinq lih liuh genq hao. day koan chi shiann shyh duo jeou? | \n
| B: | \nYou can choose up to 30 years. You can choose the appropriate term according to your needs. | \n最长可以选择30年，您可以根据需要选择合适的期限。 | \nzuì cháng kě yǐ xuǎn zé 30 nián, nín kě yǐ gēn jù xū yào xuǎn zé hé shì de qī xiàn. | \ntzuey charng kee yii sheuan tzer 30 nian, nin kee yii gen jiuh shiu yaw sheuan tzer her shyh de chi shiann. | \n
| Person | \nEnglish | \nChinese | \nPinyin | \nPronunciation | \n
| A: | \nHello, I want to learn about some investment opportunities. | \n你好，我想了解一些投资机会。 | \nnǐ hǎo, wǒ xiǎng liǎo jiě yì xiē tóu zī jī huì. | \nnii hao woo sheang leau jiee yi shie tour tzy ji huey | \n
| B: | \nHello, we have mutual funds, stocks, and bond investments. | \n您好，我们有共同基金、股票和债券投资。 | \nnín hǎo, wǒ men yǒu gòng tóng jī jīn, gǔ piào hé zhài quàn tóu zī. | \nnin hao, woo mhen yeou gonq torng ji jin, guu piaw her jay chiuann tour tzy. | \n
| A: | \nHow about venture capital and private equity investments? | \n风险投资和私募股权投资如何？ | \nfēng xiǎn tóu zī hé sī mù gǔ quán tóu zī rú hé? | \nfeng shean tour tzy her sy muh guu chyuan tour tzy ru her? | \n
| B: | \nThese have high returns but also higher risks. | \n这些投资回报率高，但风险也较大。 | \nzhè xiē tóu zī huí bào lǜ gāo, dàn fēng xiǎn yě jiào dà. | \njeh shie tour tzy hwei baw liuh gau dann feng shean yee jiaw dah. | \n
| A: | \nWhat is the difference between dividends and capital gains? | \n红利和资本收益有什么区别？ | \nhóng lì hé zī běn shōu yì yǒu shén me qū bié? | \nhorng lih her tzy been shou yih yeou shern me chiu bye? | \n
| B: | \nDividends are profit distributions from a company, while capital gains are profits from the appreciation of assets. | \n红利是公司利润分配，资本收益是资产增值带来的收益。 | \nhóng lì shì gōng sī lì rùn fēn pèi, zī běn shōu yì shì zī chǎn zēng zhí dài lái de shōu yì. | \nhorng lih shyh gong sy lih ruenn fen pey, tzy been shou yih shyh tzy chaan tzeng jyr day lai de shou yih. | \n
Although openly talking about finances may be a taboo in the West, the situation in China is somewhat different. People can be more open about discussing finances, including your financial goals, retirement planning, and more. So, next time you’re asked any questions about finances, you can rely on the following vocab:
\n| English | \nChinese | \nPinyin | \nPronunciation | \n
| Save money | \n省钱 | \nshěng qián | \nsheeng chyan | \n
| Budget | \n预算 | \nyù suàn | \nyuh suann | \n
| Financial management | \n理财 | \nlǐ cái | \nlii tsair | \n
| Savings | \n储蓄 | \nchǔ xù | \nchuu shiuh | \n
| Financial goal | \n财务目标 | \ncái wù mù biāo | \ntsair wuh muh biau | \n
| Emergency fund | \n应急基金 | \nyìng jí jī jīn | \nyinq jyi ji jin | \n
| Investment portfolio | \n投资组合 | \ntóu zī zǔ hé | \ntour tzy tzuu her | \n
| Investment diversification | \n分散投资 | \nfēn sàn tóu zī | \nfen sann tour tzy | \n
| Retirement planning | \n退休规划 | \ntuì xiū guī huà | \ntuey shiou guei huah | \n
| Debt management | \n债务管理 | \nzhài wù guǎn lǐ | \njay wuh goan lii | \n
| Risk assessment | \n风险评估 | \nfēng xiǎn píng gū | \nfeng shean pyng gu | \n
| Tax planning | \n税务规划 | \nshuì wù guī huà | \nshuey wuh guei huah | \n
| Expense tracking | \n费用追踪 | \nfèi yòng zhuī zōng | \nfey yonq juei tzong | \n
| Financial advisor | \n财务顾问 | \ncái wù gù wèn | \ntsair wuh guh wenn | \n
| Investment strategy | \n投资策略 | \ntóu zī cè lüè | \ntour tzy tseh liueh | \n
| Long-term planning | \n长期规划 | \ncháng qī guī huà | \ncharng chi guei huah | \n
| Short-term planning | \n短期规划 | \nduǎn qī guī huà | \ndoan chi guei huah | \n
| Wealth accumulation | \n财富积累 | \ncái fù jī lěi | \ntsair fuh ji leei | \n
| Pension plan | \n养老金计划 | \nyǎng lǎo jīn jì huà | \nyeang lao jin jih huah | \n
| Financial independence | \n财务独立 | \ncái wù dú lì | \ntsair wuh dwu lih | \n
| Debt-to-income ratio | \n债务收入比 | \nzhài wù shōu rù bǐ | \njay wuh shou ruh bii | \n
| Financial literacy | \n金融知识 | \njīn róng zhī shi | \njin rong jy shy | \n
| Savings rate | \n储蓄率 | \nchǔ xù lǜ | \nchuu shiuh liuh | \n
| Investment return | \n投资回报 | \ntóu zī huí bào | \ntour tzy hwei baw | \n
| Retirement fund | \n退休基金 | \ntuì xiū jī jīn | \ntuey shiou ji jin | \n
| Capital preservation | \n资本保全 | \nzī běn bǎo quán | \ntzy been bao chyuan | \n
| Expense reduction | \n费用减少 | \nfèi yòng jiǎn shǎo | \nfey yonq jean shao | \n
| Future value | \n未来价值 | \nwèi lái jià zhí | \nwey lai jiah jyr | \n
| Present value | \n现值 | \nxiàn zhí | \nshiann jyr | \n
| Financial risk | \n财务风险 | \ncái wù fēng xiǎn | \ntsair wuh feng shean | \n
| Financial plan | \n财务计划 | \ncái wù jì huà | \ntsair wuh jih huah | \n
| Economic outlook | \n经济前景 | \njīng jì qián jǐng | \njing jih chyan jiing | \n
| Financial security | \n财务安全 | \ncái wù ān quán | \ntsair wuh an chyuan | \n
| Spending plan | \n支出计划 | \nzhī chū jì huà | \njy chu jih huah | \n
| Tax-efficient investment | \n节税投资 | \njié shuì tóu zī | \njye shuey tour tzy | \n
| Income diversification | \n收入多样化 | \nshōu rù duō yàng huà | \nshou ruh duo yanq huah | \n
| Financial forecast | \n财务预测 | \ncái wù yù cè | \ntsair wuh yuh tseh | \n
| Estate planning | \n遗产规划 | \nyí chǎn guī huà | \nyi chaan guei huah | \n
| Asset allocation | \n资产配置 | \nzī chǎn pèi zhì | \ntzy chaan pey jyh | \n
| Financial stability | \n财政稳定 | \ncái zhèng wěn dìng | \ntsair jenq woen dinq | \n
| Wealth management | \n财富管理 | \ncái fù guǎn lǐ | \ntsair fuh goan lii | \n
| Credit management | \n信贷管理 | \nxìn dài guǎn lǐ | \nshinn day goan lii | \n
| Personal finance | \n个人理财 | \ngè rén lǐ cái | \ngeh ren lii tsair | \n
| Person | \nEnglish | \nChinese | \nPinyin | \nPronunciation | \n
| A: | \nHello, I want to know how to save money and make a budget. | \n你好，我想知道怎么省钱和做预算。 | \nnǐ hǎo, wǒ xiǎng zhī dào zěn me shěng qián hé zuò yù suàn. | \nnii hao, woo sheang jy daw tzeen me sheeng chyan her tzuoh yuh suann. | \n
| B: | \nHello, first you need to record all your expenses. | \n您好，首先您需要记录所有费用。 | \nnín hǎo, shǒu xiān nín xū yào jì lù suǒ yǒu fèi yòng. | \nnin hao, shoou shian nin shiu yaw jih luh suoo yeou fey yonq. | \n
| A: | \nWhat is a good way for expense tracking? | \n有什么好的费用追踪的方法吗？ | \nyǒu shén me hǎo de fèi yòng zhuī zōng de fāng fǎ ma? | \nyeou shern me hao de fey yonq juei tzong de fang faa mha? | \n
| B: | \nYou can use a mobile app to track expenses and income. | \n您可以使用手机应用来追踪花费和收入。 | \nnín kě yǐ shǐ yòng shǒu jī yìng yòng lái zhuī zōng huā fèi hé shōu rù. | \nnin kee yii shyy yonq shoou ji yinq yonq lai juei tzong hua fey her shou ruh. | \n
| A: | \nShould I set up an emergency fund? | \n我需要设立应急基金吗？ | \nwǒ xū yào shè lì yìng jí jī jīn ma? | \nwoo shiu yaw sheh lih yinq jyi ji jin mha? | \n
| B: | \nDefinitely, it’s recommended to save three to six months of living expenses as an emergency fund. | \n当然可以。建议存三到六个月的生活费作为应急基金。 | \ndāng rán kě yǐ. jiàn yì cún sān dào liù gè yuè de shēng huó fèi zuò wéi yìng jí jī jīn. | \ndang ran kee yii. jiann yih tswen san daw liow geh yueh de sheng hwo fey tzuoh wei yinq jyi ji jin.\n | \n
| Person | \nEnglish | \nChinese | \nPinyin | \nPronunciation | \n
| A: | \nHello, I want to consult a financial advisor. | \n你好，我想咨询一位财务顾问。 | \nnǐ hǎo, wǒ xiǎng zī xún yí wèi cái wù gù wèn. | \nnii hao, woo sheang tzy shyun yi wey tsair wuh guh wenn. | \n
| B: | \nHello, what are your financial goals? | \n您好，请问您有什么财务目标？ | \nnín hǎo, qǐng wèn nín yǒu shén me cái wù mù biāo? | \nnin hao, chiing wenn nin yeou shern me tsair wuh muh biau? | \n
| A: | \nI need help with retirement planning. | \n我需要退休规划相关的帮助。 | \nwǒ xū yào tuì xiū guī huà xiāng guān de bāng zhù. | \nwoo shiu yaw tuey shiou guei huah shiang guan de bang juh. | \n
| B: | \nDo you currently have a retirement fund? | \n您现在有退休基金吗？ | \nnín xiàn zài yǒu tuì xiū jī jīn ma? | \nnin shiann tzay yeou tuey shiou ji jin mha? | \n
| A: | \nI have some, but I’m not sure if it’s enough. | \n有一些，但不知道够不够。 | \nyǒu yì xiē, dàn bù zhī dào gòu bú gòu. | \nyeou yih shie, dann buh jy daw gow bwu gow. | \n
| B: | \nWe can assess your financial situation and then create a detailed retirement plan. | \n我们可以对您的财务状况进行评估，然后制定详细的退休计划。 | \nwǒ men kě yǐ duì nín de cái wù zhuàng kuàng jìn xíng píng gū, rán hòu zhì dìng xiáng xì de tuì xiū jì huà. | \nwoo mhen kee yii duey nin de tsair wuh juanq kuanq jinn shyng pyng gu, ran how jyh dinq shyang shih de tuey shiou jih huah. | \n
| A: | \nHow should I diversify my investments? | \n我应该如何分散投资呢？ | \nwǒ yīng gāi rú hé fēn sàn tóu zī ne? | \nwoo ing gai ru her fen sann tour tzy nhe? | \n
| B: | \nWe will adjust your portfolio based on your risk assessment. | \n我们会根据您的风险评估来调整投资组合。 | \nwǒ men huì gēn jù nín de fēng xiǎn píng gū lái tiáo zhěng tóu zī zǔ hé. | \nwoo mhen huey gen jiuh nin de feng shean pyng gu lai tyau jeeng tour tzy tzuu her. | \n
They say that nothing in this world is certain, except for death and taxes. And even in China, this phrase remains true. If you’re planning to work in China, you’ll have to pay taxes to the 国家税务总局 (guó jiā shuì wù zǒng jú) or State Taxation Administration (STA). Here are some words you should be familiar with to stay ahead of the curve:
\n| English | \nChinese | \nPinyin | \nPronunciation | \n
| Taxation | \n税务 | \nshuì wù | \nshuey wuh | \n
| Tax | \n税 | \nshuì | \nshuey | \n
| Tax revenue | \n税收 | \nshuì shōu | \nshuey shou | \n
| Tax refund | \n退税 | \ntuì shuì | \ntuey shuey | \n
| Tax payment | \n税款 | \nshuì kuǎn | \nshuey koan | \n
| Tariff | \n关税 | \nguān shuì | \nguan shuey | \n
| Income tax | \n所得税 | \nsuǒ dé shuì | \nsuoo der shuey | \n
| Sales tax | \n销售税 | \nxiāo shòu shuì | \nshiau show shuey | \n
| Property tax | \n房产税 | \nfáng chǎn shuì | \nfarng chaan shuey | \n
| Corporate tax | \n企业税 | \nqǐ yè shuì | \nchii yeh shuey | \n
| Value-added tax (VAT) | \n增值税 | \nzēng zhí shuì | \ntzeng jyr shuey | \n
| Excise tax | \n消费税 | \nxiāo fèi shuì | \nshiau fey shuey | \n
| Capital gains tax | \n资本利得税 | \nzī běn lì dé shuì | \ntzy been lih der shuey | \n
| Estate tax | \n遗产税 | \nyí chǎn shuì | \nyi chaan shuey | \n
| Gift tax | \n赠与税 | \nzèng yǔ shuì | \ntzenq yeu shuey | \n
| Tax bracket | \n税级 | \nshuì jí | \nshuey jyi | \n
| Tax rate | \n税率 | \nshuì lǜ | \nshuey liuh | \n
| Taxable income | \n应税收入 | \nyīng shuì shōu rù | \ning shuey shou ruh | \n
| Tax exemption | \n免税 | \nmiǎn shuì | \nmean shuey | \n
| Tax deduction | \n税收减免 | \nshuì shōu jiǎn miǎn | \nshuey shou jean mean | \n
| Tax credit | \n免税额度 | \nmiǎn shuì é dù | \nmean shuey er duh | \n
| Withholding tax | \n预扣税 | \nyù kòu shuì | \nyuh kow shuey | \n
| Tax evasion | \n逃税 | \ntáo shuì | \ntaur shuey | \n
| Tax avoidance | \n避税 | \nbì shuì | \nbih shuey | \n
| Tax return | \n纳税申报单 | \nnà shuì shēn bào dān | \nnah shuey shen baw dan | \n
| Tax liability | \n纳税义务 | \nnà shuì yì wù | \nnah shuey yih wuh | \n
| Tax audit | \n税务审计 | \nshuì wù shěn jì | \nshuey wuh sheen jih | \n
| Tax year | \n纳税年度 | \nnà shuì nián dù | \nnah shuey nian duh | \n
| Progressive tax | \n累进税 | \nlěi jìn shuì | \nleei jinn shuey | \n
| Regressive tax | \n累退税 | \nlěi tuì shuì | \nleei tuey shuey | \n
| Flat tax | \n单一税 | \ndān yī shuì | \ndan i shuey | \n
| Double taxation | \n双重征税 | \nshuāng chóng zhēng shuì | \nshuang chorng jeng shuey | \n
| Tax haven | \n避税天堂 | \nbì shuì tiān táng | \nbih shuey tian tarng | \n
| Tax policy | \n税收政策 | \nshuì shōu zhèng cè | \nshuey shou jenq tseh | \n
| Tax reform | \n税收改革 | \nshuì shōu gǎi gé | \nshuey shou gae ger | \n
| Tax incentive | \n税收激励 | \nshuì shōu jī lì | \nshuey shou ji lih | \n
| Tax inspector | \n税务检查员 | \nshuì wù jiǎn chá yuán | \nshuey wuh jean char yuan | \n
| Tax planning | \n税务筹划 | \nshuì wù chóu huà | \nshuey wuh chour huah | \n
| Tax form | \n税表 | \nshuì biǎo | \nshuey beau | \n
| Taxation bureau | \n税务局 | \nshuì wù jú | \nshuey wuh jyu | \n
| Tax declaration | \n报税 | \nbào shuì | \nbaw shuey | \n
| Indirect tax | \n间接税 | \njiàn jiē shuì | \njiann jie shuey | \n
| Direct tax | \n直接税 | \nzhí jiē shuì | \njyr jie shuey | \n
| Environmental tax | \n环境税 | \nhuán jìng shuì | \nhwan jinq shuey | \n
| Luxury tax | \n奢侈品税 | \nshē chǐ pǐn shuì | \nshe chyy piin shuey | \n
| Payroll tax | \n工资税 | \ngōng zī shuì | \ngong tzy shuey | \n
| Income tax return | \n所得税申报表 | \nsuǒ dé shuì shēn bào biǎo | \nsuoo der shuey shen baw beau | \n
| Taxpayer | \n纳税人 | \nnà shuì rén | \nnah shuey ren | \n
| Taxable amount | \n应税金额 | \nyīng shuì jīn é | \ning shuey jin er | \n
| Net income | \n净收入 | \njìng shōu rù | \njinq shou ruh | \n
| Person | \nEnglish | \nChinese | \nPinyin | \nPronunciation | \n
| A: | \nHello, I would like to learn some content related to income tax. | \n你好，我想了解所得税相关的内容。 | \nnǐ hǎo, wǒ xiǎng liǎo jiě suǒ dé shuì xiāng guān de nèi róng. | \nnii hao woo sheang leau jiee suoo der shuey shiang guan de ney rong. | \n
| B: | \nHello, income tax is calculated based on your income. | \n您好，所得税是根据您的收入计算的。 | \nnín hǎo, suǒ dé shuì shì gēn jù nín de shōu rù jì suàn de. | \nnin hao, suoo der shuey shyh gen jiuh nin de shou ruh jih suann de. | \n
| A: | \nWhat is taxable income? | \n什么是应税收入？ | \nshén me shì yīng shuì shōu rù? | \nshern me shyh ing shuey shou ruh? | \n
| B: | \nTaxable income is the income after deducting exemptions and deductions. | \n应税收入是扣除免税额和税收减免后的收入。 | \nyīng shuì shōu rù shì kòu chú miǎn shuì é hé shuì shōu jiǎn miǎn hòu de shōu rù. | \ning shuey shou ruh shyh kow chwu mean shuey er her shuey shou jean mean how de shou ruh. | \n
| A: | \nWhat is the tax rate? | \n税率是多少？ | \nshuì lǜ shì duō shǎo? | \nshuey liuh shyh duo shao? | \n
| B: | \nThe tax rate depends on different brackets. The higher the income, the higher the tax rate. | \n税率根据不同的税级而定，收入越高，税率越高。 | \nshuì lǜ gēn jù bù tóng de shuì jí ér dìng, shōu rù yuè gāo, shuì lǜ yuè gāo. | \nshuey liuh gen jiuh buh torng de shuey jyi erl dinq, shou ruh yueh gau, shuey liuh yueh gau. | \n
| Person | \nEnglish | \nChinese | \nPinyin | \nPronunciation | \n
| A: | \nHello, I heard that I can apply for a tax refund. | \n你好，我听说可以申请退税。 | \nnǐ hǎo, wǒ tīng shuō kě yǐ shēn qǐng tuì shuì. | \nnii hao, woo ting shuo kee yii shen chiing tuey shuey. | \n
| B: | \nYes, if you overpaid your taxes, you can apply for a refund. | \n是的，如果您多缴了税，可以申请退税。 | \nshì de, rú guǒ nín duō jiǎo le shuì, kě yǐ shēn qǐng tuì shuì. | \nshyh de, ru guoo nin duo jeau lhe shuey, kee yii shen chiing tuey shuey | \n
| A: | \nWhat documents do I need? | \n我需要哪些文件？ | \nwǒ xū yào nǎ xiē wén jiàn? | \nwoo shiu yaw naa shie wen jiann? | \n
| B: | \nYou need to provide proof of income and tax records. | \n您需要提供收入证明和纳税记录。 | \nnín xū yào tí gōng shōu rù zhèng míng hé nà shuì jì lù. | \nnin shiu yaw tyi gong shou ruh jenq ming her nah shuey jih luh | \n
| A: | \nHow long does it take to get the refund? | \n退税多久能到账？ | \ntuì shuì duō jiǔ néng dào zhàng? | \ntuey shuey duo jeou neng daw janq? | \n
| B: | \nIt usually takes a few weeks, depending on the processing speed of the taxation bureau. | \n通常需要几周时间，具体情况视税务局处理速度而定。 | \ntōng cháng xū yào jǐ zhōu shí jiān, jù tǐ qíng kuàng shì shuì wù jú chǔ lǐ sù dù ér dìng. | \ntong charng shiu yaw jii jou shyr jian, jiuh tii chyng kuanq shyh shuey wuh jyu chuu lii suh duh erl dinq. | \n
Keeping up with the economy is always a smart thing to do, especially when you live in China and every week there seems to be a new article detailing China’s latest economic development. However, the following words are especially tailored for economics students who are learning Chinese or interested in working in China.
\n| English | \nChinese | \nPinyin | \nPronunciation | \n
| Economics | \n经济学 | \njīng jì xué | \njing jih shyue | \n
| Microeconomics | \n微观经济学 | \nwēi guān jīng jì xué | \nuei guan jing jih shyue | \n
| Macroeconomics | \n宏观经济学 | \nhóng guān jīng jì xué | \nhorng guan jing jih shyue | \n
| Economic theory | \n经济理论 | \njīng jì lǐ lùn | \njing jih lii luenn | \n
| Supply and demand | \n供求关系 | \ngōng qiú guān xì | \ngong chyou guan shih | \n
| Market equilibrium | \n市场均衡 | \nshì chǎng jūn héng | \nshyh chaang jiun herng | \n
| Elasticity | \n弹性 | \ntán xìng | \ntarn shinq | \n
| Opportunity cost | \n机会成本 | \njī huì chéng běn | \nji huey cherng been | \n
| Marginal utility | \n边际效用 | \nbiān jì xiào yòng | \nbian jih shiaw yonq | \n
| Comparative advantage | \n比较优势 | \nbǐ jiào yōu shì | \nbii jiaw iou shyh | \n
| Absolute advantage | \n绝对优势 | \njué duì yōu shì | \njyue duey iou shyh | \n
| Production possibility frontier (PPF) | \n生产可能性边界 | \nshēng chǎn kě néng xìng biān jiè | \nsheng chaan kee neng shinq bian jieh | \n
| Economic growth | \n经济增长 | \njīng jì zēng zhǎng | \njing jih tzeng jaang | \n
| Unemployment | \n失业 | \nshī yè | \nshy yeh | \n
| Central bank | \n中央银行 | \nzhōng yāng yín háng | \nzhōng yāng yín háng | \n
| Money supply | \n货币供应量 | \nhuò bì gōng yìng liàng | \nhuoh bih gong yinq lianq | \n
| Aggregate demand | \n总需求 | \nzǒng xū qiú | \ntzoong shiu chyou | \n
| Aggregate supply | \n总供给 | \nzǒng gōng jǐ | \ntzoong gong jii | \n
| Trade deficit | \n贸易逆差 | \nmào yì nì chā | \nmaw yih nih cha | \n
| Trade surplus | \n贸易顺差 | \nmào yì shùn chā | \nmaw yih shuenn cha | \n
| Foreign direct investment (FDI) | \n外商直接投资 | \nwài shāng zhí jiē tóu zī | \nway shang jyr jie tour tzy | \n
| Human capital | \n人力资本 | \nrén lì zī běn | \nren lih tzy been | \n
| Capital | \n资本 | \nzī běn | \ntzy been | \n
| Labor market | \n劳动市场 | \nláo dòng shì chǎng | \nlau donq shyh chaang | \n
| Wage | \n工资 | \ngōng zī | \ngong tzy | \n
| Labor force participation rate | \n劳动参与率 | \nláo dòng cān yù lǜ | \nlau donq tsan yuh liuh | \n
| Consumer price index (CPI) | \n消费者价格指数 | \nxiāo fèi zhě jià gé zhǐ shù | \nshiau fey jee jiah ger jyy shuh | \n
| Producer price index (PPI) | \n生产者价格指数 | \nshēng chǎn zhě jià gé zhǐ shù | \nsheng chaan jee jiah ger jyy shuh | \n
| Business cycle | \n经济周期 | \njīng jì zhōu qī | \njing jih jou chi | \n
| Recession | \n经济衰退 | \njīng jì shuāi tuì | \njih shuai tuey | \n
| Depression | \n经济萧条 | \njīng jì xiāo tiáo | \njing jih shiau tyau | \n
| Boom | \n经济繁荣 | \njīng jì fán róng | \njing jih farn rong | \n
| Stagflation | \n滞涨 | \nzhì zhǎng | \njyh jaang | \n
| Phillips curve | \n菲利普斯曲线 | \nfēi lì pǔ sī qū xiàn | \nfei lih puu sy chiu shiann | \n
| Keynesian economics | \n凯恩斯主义经济学 | \nkǎi ēn sī zhǔ yì jīng jì xué | \nkae en sy juu yih jing jih shyue | \n
| Classical economics | \n古典经济学 | \ngǔ diǎn jīng jì xué | \nguu dean jing jih shyue | \n
| Neoclassical economics | \n新古典经济学 | \nxīn gǔ diǎn jīng jì xué | \nshin guu dean jing jih shyue | \n
| Behavioral economics | \n行为经济学 | \nxíng wéi jīng jì xué | \nshyng wei jing jih shyue | \n
| Game theory | \n博弈论 | \nbó yì lùn | \nbor yih luenn | \n
| Public goods | \n公共产品 | \ngōng gòng chǎn pǐn | \ngong gonq chaan piin | \n
| Externality | \n外部效应 | \nwài bù xiào yìng | \nway buh shiaw yinq | \n
| Market failure | \n市场失灵 | \nshì chǎng shī líng | \nshyh chaang shy ling | \n
| Person | \nEnglish | \nChinese | \nPinyin | \nPronunciation | \n
| A: | \nHello, I heard you’re studying economics. | \n你好，我听说你在学习经济学。 | \nnǐ hǎo, wǒ tīng shuō nǐ zài xué xí jīng jì xué. | \nnii hao, woo ting shuo nii tzay shyue shyi jing jih shyue. | \n
| B: | \nYes, I am very interested in economics. | \n是的，我对经济学非常感兴趣。 | \nshì de, wǒ duì jīng jì xué fēi cháng gǎn xìng qù. | \nshyh de, woo duey jing jih shyue fei charng gaan shinq chiuh. | \n
| A: | \nWhat fields does economics cover? | \n经济学分为哪些领域？ | \njīng jì xué fēn wéi nǎ xiē lǐng yù? | \njing jih shyue fen wei naa shie liing yuh? | \n
| B: | \nMainly microeconomics and macroeconomics. | \n主要有微观经济学和宏观经济学。 | \nzhǔ yào yǒu wēi guān jīng jì xué hé hóng guān jīng jì xué. | \njuu yaw yeou uei guan jing jih shyue her horng guan jing jih shyue. | \n
| A: | \nWhat’s microeconomics? | \n什么是微观经济学？ | \nshén me shì wēi guān jīng jì xué? | \nshern me shyh uei guan jing jih shyue? | \n
| B: | \nMicroeconomics studies the economic behavior of individuals and businesses. | \n微观经济学研究个人和企业的经济行为。 | \nwēi guān jīng jì xué yán jiū gè rén hé qǐ yè de jīng jì xíng wéi. | \nuei guan jing jih shyue yan jiou geh ren her chii yeh de jing jih shyng wei. | \n
| Person | \nEnglish | \nChinese | \nPinyin | \nPronunciation | \n
| A: | \nCan you explain the relationship between supply and demand? | \n你能解释一下供求关系吗？ | \nnǐ néng jiě shì yí xià gōng qiú guān xì ma? | \nnii neng jiee shyh yi shiah gong chyou guan shih mha? | \n
| B: | \nThe relationship between supply and demand determines market prices and quantities. | \n供求关系决定市场价格和数量。 | \ngōng qiú guān xì jué dìng shì chǎng jià gé hé shù liàng. | \ngong chyou guan shih jyue dinq shyh chaang jiah ger her shuh lianq. | \n
| A: | \nWhat is market equilibrium? | \n市场均衡是什么？ | \nshì chǎng jūn héng shì shén me? | \nshyh chaang jiun herng shyh shern me? | \n
| B: | \nMarket equilibrium is the point where supply equals demand. | \n市场均衡是供给和需求相等的点。 | \nshì chǎng jūn héng shì gōng jǐ hé xū qiú xiāng děng de diǎn. | \nshyh chaang jiun herng shyh gong jii her shiu chyou shiang deeng de dean. | \n
| A: | \nWhat role does elasticity play in economics? | \n弹性在经济学中有什么作用？ | \ntán xìng zài jīng jì xué zhōng yǒu shén me zuò yòng? | \ntarn shinq tzay jing jih shyue jong yeou shern me tzuoh yonq? | \n
| B: | \nElasticity measures the impact of price changes on demand or supply. | \n弹性衡量价格变化对需求或供给的影响。 | \ntán xìng héng liáng jià gé biàn huà duì xū qiú huò gōng jǐ de yǐng xiǎng. | \ntarn shinq herng liang jiah ger biann huah duey shiu chyou huoh gong jii de yiing sheang. | \n
Similarly to the previous section, the following vocabulary words are geared towards finance students and professionals. If you’re looking for professional finance vocabulary in Chinese, then this list is for you!
\n| English | \nChinese | \nPinyin | \nPronunciation | \n
| Finance | \n金融学 | \njīn róng xué | \njin rong shyue | \n
| Corporate finance | \n公司金融 | \ngōng sī jīn róng | \ngong sy jin rong | \n
| Financial markets | \n金融市场 | \njīn róng shì chǎng | \njin rong shyh chaang | \n
| Financial instruments | \n金融工具 | \njīn róng gōng jù | \njin rong gong jiuh | \n
| Risk management | \n风险管理 | \nfēng xiǎn guǎn lǐ | \nfeng shean goan lii | \n
| Portfolio management | \n投资组合管理 | \ntóu zī zǔ hé guǎn lǐ | \ntour tzy tzuu her goan lii | \n
| Capital structure | \n资本结构 | \nzī běn jié gòu | \ntzy been jye gow | \n
| Cost of capital | \n资本成本 | \nzī běn chéng běn | \ntzy been cherng been | \n
| Financial statement analysis | \n财务报表分析 | \ncái wù bào biǎo fēn xī | \ntsair wuh baw beau fen shi | \n
| Valuation | \n估值 | \ngū zhí | \ngu jyr | \n
| Leverage | \n杠杆 | \ngàng gǎn | \nganq gaan | \n
| Dividend policy | \n股息政策 | \ngǔ xī zhèng cè | \nguu shi jenq tseh | \n
| Initial public offering (IPO) | \n首次公开募股 | \nshǒu cì gōng kāi mù gǔ | \nshoou tsyh gong kai muh guu | \n
| Secondary market | \n二级市场 | \nèr jí shì chǎng | \nell jyi shyh chaang | \n
| Bond market | \n债券市场 | \nzhài quàn shì chǎng | \njay chiuann shyh chaang | \n
| Derivatives | \n衍生物 | \nyǎn shēng wù | \nyean sheng wuh | \n
| Options | \n期权 | \nqī quán | \nchi chyuan | \n
| Futures | \n期货 | \nqī huò | \nchi huoh | \n
| Hedging | \n对冲 | \nduì chōng | \nduey chong | \n
| Arbitrage | \n套利 | \ntào lì | \ntaw lih | \n
| Efficient market hypothesis (EMH) | \n有效市场假说 | \nyǒu xiào shì chǎng jiǎ shuō | \nyeou shiaw shyh chaang jea shuo | \n
| Capital asset pricing model (CAPM) | \n资本资产定价模型 | \nzī běn zī chǎn dìng jià mó xíng | \ntzy been tzy chaan dinq jiah mo shyng | \n
| Modern portfolio theory (MPT) | \n现代投资组合理论 | \nxiàn dài tóu zī zǔ hé lǐ lùn | \nshiann day tour tzy tzuu her lii luenn | \n
| Beta | \n贝塔 | \nbèi tǎ | \nbey taa | \n
| Alpha | \n阿尔法 | \nā ěr fǎ | \na eel faa | \n
| Sharpe ratio | \n夏普比率 | \nxià pǔ bǐ lǜ | \nshiah puu bii liuh | \n
| Net present value (NPV) | \n净现值 | \njìng xiàn zhí | \njinq shiann jyr | \n
| Internal rate of return (IRR) | \n内部收益率 | \nnèi bù shōu yì lǜ | \nney buh shou yih liuh | \n
| Discount rate | \n贴现率 | \ntiē xiàn lǜ | \ntie shiann liuh | \n
| Time value of money | \n货币时间价值 | \nhuò bì shí jiān jià zhí | \nhuoh bih shyr jian jiah jyr | \n
| Free cash flow | \n自由现金流 | \nzì yóu xiàn jīn liú | \ntzyh you shiann jin liou | \n
| Financial modeling | \n金融建模 | \njīn róng jiàn mó | \njin rong jiann mo | \n
| Behavioral finance | \n行为金融学 | \nxíng wéi jīn róng xué | \nshyng wei jin rong shyue | \n
| Market efficiency | \n市场效率 | \nshì chǎng xiào lǜ | \nshyh chaang shiaw liuh | \n
| Financial intermediation | \n金融中介 | \njīn róng zhōng jiè | \njin rong jong jieh | \n
| Banking | \n银行业 | \nyín háng yè | \nyn harng yeh | \n
| Real estate finance | \n房地产金融 | \nfáng dì chǎn jīn róng | \nfarng dih chaan jin rong | \n
| Mergers and acquisitions (M&A) | \n兼并与收购 | \njiān bìng yǔ shōu gòu | \njian binq yeu shou gow | \n
| Corporate governance | \n公司治理 | \ngōng sī zhì lǐ | \ngong sy jyh lii | \n
| Financial regulation | \n金融监管 | \njīn róng jiān guǎn | \njin rong jian goan | \n
| Person | \nEnglish | \nChinese | \nPinyin | \nPronunciation | \n
| A: | \nHello, I heard you are studying finance. | \n你好，我听说你在学习金融学。 | \nnǐ hǎo, wǒ tīng shuō nǐ zài xué xí jīn róng xué. | \nnii hao, woo ting shuo nii tzay shyue shyi jin rong shyue. | \n
| B: | \nYes, I am particularly interested in corporate finance. | \n是的，我对公司金融特别感兴趣。 | \nshì de, wǒ duì gōng sī jīn róng tè bié gǎn xìng qù. | \nshyh de, woo duey gong sy jin rong teh bye gaan shinq chiuh. | \n
| A: | \nWhat does corporate finance mainly study? | \n公司金融主要研究什么？ | \ngōng sī jīn róng zhǔ yào yán jiū shén me? | \ngong sy jin rong juu yaw yan jiou shern me? | \n
| B: | \nIt mainly studies a company’s capital structure, cost of capital, and financial statement analysis. | \n它主要研究公司的资本结构、资本成本和财务报表分析。 | \ntā zhǔ yào yán jiū gōng sī de zī běn jié gòu, zī běn chéng běn hé cái wù bào biǎo fēn xī. | \nta juu yaw yan jiou gong sy de tzy been jye gow, tzy been cherng been her tsair wuh baw beau fen shi. | \n
| A: | \nIs valuation important in corporate finance? | \n估值在公司金融中重要吗？ | \ngū zhí zài gōng sī jīn róng zhōng zhòng yào ma? | \ngu jyr tzay gong sy jin rong jong jonq yaw mha? | \n
| B: | \nIt’s very important, valuation helps companies understand their value and investment opportunities. | \n非常重要，估值可以帮助公司了解自身价值和投资机会。 | \nfēi cháng zhòng yào, gū zhí kě yǐ bāng zhù gōng sī liǎo jiě zì shēn jià zhí hé tóu zī jī huì. | \nfei charng jonq yaw, gu jyr kee yii bang juh gong sy leau jiee tzyh shen jiah jyr her tour tzy ji huey | \n
| Person | \nEnglish | \nChinese | \nPinyin | \nPronunciation | \n
| A: | \nWhat types of investments are you interested in? | \n你对什么类型的投资感兴趣？ | \nnǐ duì shén me lèi xíng de tóu zī gǎn xìng qù ？ | \nnii duey shern me ley shyng de tour tzy gaan shinq chiuh? | \n
| B: | \nI am interested in financial markets and various financial instruments. | \n我对金融市场和各种金融工具感兴趣。 | \nwǒ duì jīn róng shì chǎng hé gè zhǒng jīn róng gōng jù gǎn xìng qù. | \nwoo duey jin rong shyh chaang her geh joong jin rong gong jiuh gaan shinq chiuh. | \n
| A: | \nHave you invested in the stock market? | \n你有投资股票市场吗？ | \nnǐ yǒu tóu zī gǔ piào shì chǎng ma? | \nnii yeou tour tzy guu piaw shyh chaang mha? | \n
| B: | \nYes, I have some stocks and bonds in my investment portfolio. | \n有，我的投资组合里有一些股票和债券。 | \nyǒu, wǒ de tóu zī zǔ hé lǐ yǒu yì xiē gǔ piào hé zhài quàn. | \nyeou, woo de tour tzy tzuu her lii yeou yih shie guu piaw her jay chiuann. | \n
| A: | \nHow do you manage the risks in your portfolio? | \n你怎么管理投资组合的风险？ | \nnǐ zěn me guǎn lǐ tóu zī zǔ hé de fēng xiǎn? | \nnii tzeen me goan lii tour tzy tzuu her de feng shean? | \n
| B: | \nI manage risks by diversifying my investments and using hedging instruments. | \n我通过分散投资和使用对冲工具来管理风险。 | \nwǒ tōng guò fēn sàn tóu zī hé shǐ yòng duì chōng gōng jù lái guǎn lǐ fēng xiǎn. | \nwoo tong guoh fen sann tour tzy her shyy yonq duey chong gong jiuh lai goan lii feng shean. | \n
No discussion about international economics or politics in Chinese is complete without talking about the exchange rate and foreign currencies. Plus, on a practical level, you might want to know at least how to say the U.S. dollar plus your own country’s currency so you can ask for help exchanging cash or converting prices.
\n![\"Different](\"https://images.contentstack.io/v3/assets/bltacc1a01c4d280f24/blt92439e8914c66806/66c6f1f9ab1b690b8e3cc0ee/pexels-alesiakozik-6771900.jpg?auto=webp&format=pjpg&quality=80&\")
| ISO Code | \nEnglish | \nChinese | \nPinyin | \nPronunciation | \n
| CNY | \nChinese Yuan (Renminbi) | \n 人民币 | \nrén mín bì | \nren min bih | \n
| TWD | \nNew Taiwan dollar | \n新台币 | \nxīn tái bì | \nshin tair bih | \n
| HKD | \nHong Kong dollar | \n港元 | \ngǎng yuán | \ngaang yuan | \n
| MOP | \nMacanese pataca | \n澳门元 | \nào mén yuán | \naw men yuan | \n
| USD | \nUS Dollar | \n美元 | \nměi yuán | \nmeei yuan | \n
| EUR | \nEuro | \n欧元 | \nōu yuán | \nou yuan | \n
| GBP | \nBritish Pound | \n英镑 | \nyīng bàng | \ning banq | \n
| JPY | \nJapanese Yen | \n日元 | \nrì yuán | \nryh yuan | \n
| CAD | \nCanadian Dollar | \n加元 | \njiā yuán | \njia yuan | \n
| AUD | \nAustralian Dollar | \n澳元 | \nào yuán | \naw yuan | \n
| SGD | \nSingapore Dollar | \n新加坡元 | \nxīn jiā pō yuán | \nshin jia po yuan | \n
| KRW | \nSouth Korean Won | \n韩元 | \nhán yuán | \nharn yuan | \n
| CHF | \nSwiss Franc | \n瑞士法郎 | \nruì shì fǎ láng | \nruey shyh faa lang | \n
| THB | \nThai Baht | \n泰铢 | \ntài zhū | \ntay ju | \n
| INR | \nIndian Rupee | \n印度卢比 | \nyìn dù lú bǐ | \nyinn duh lu bii | \n
| VND | \nVietnamese Dong | \n越南盾 | \nyuè nán dùn | \nyuè nán dùn | \n
| ZAR | \nSouth African Rand | \n南非兰特 | \nnán fēi lán tè | \nnan fei lan teh | \n
| PHP | \nPhilippine Peso | \n菲律宾比索 | \nfēi lǜ bīn bǐ suǒ | \nfei liuh bin bii suoo | \n
| AED | \nUnited Arab Emirates Dirham | \n阿联酋迪拉姆 | \nā lián qiú dí lā mǔ | \na lian chyou dyi lha muu | \n
| SEK | \nSwedish Krona | \n瑞典克朗 | \nruì diǎn kè lǎng | \nruey dean keh laang | \n
| MXN | \nMexican Peso | \n墨西哥比索 | \nmò xī gē bǐ suǒ | \nmoh shi ge bii suoo | \n
| BRL | \nBrazilian Real | \n巴西雷亚尔 | \nbā xī léi yà ěr | \nba shi lei yah eel | \n
| RUB | \nRussian Ruble | \n俄罗斯卢布 | \né luó sī lú bù | \ner luo sy lu buh | \n
Chinese currency is called the renminbi (人民币), which means the “people’s currency.” However, in everyday use, people commonly refer to it as yuan (元). This is similar to how the U.S. dollar is officially called “United States Dollar” but people typically just say “dollar” in conversation. Its abbreviation is RMB or CNY.
\nIf your job requires you to work with foreign currencies a lot, then make sure to print this out and keep it by your desk at all times. These are some of the most common vocabulary words about currency exchange in Chinese:
\n| English | \nChinese | \nPinyin | \nPronunciation | \n
| Currency exchange | \n货币兑换 | \nhuò bì duì huàn | \nhuoh bih duey huann | \n
| Foreign exchange (FX) | \n外汇 | \nwài huì | \nway huey | \n
| Exchange rate | \n汇率 | \nhuì lǜ | \nhuey liuh | \n
| Currency pair | \n货币对 | \nhuò bì duì | \nhuoh bih duey | \n
| Base currency | \n基础货币 | \njī chǔ huò bì | \nji chuu huoh bih | \n
| Quote currency | \n报价货币 | \nbào jià huò bì | \nbaw jiah huoh bih | \n
| Bid price | \n买入价 | \nmǎi rù jià | \nmae ruh jiah | \n
| Ask price | \n卖出价 | \nmài chū jià | \nmay chu jiah | \n
| Spread | \n点差 | \ndiǎn chā | \ndean cha | \n
| Pip currency | \n点数货币 | \ndiǎn shù huò bì | \ndean shuh huoh bih | \n
| Lot size | \n交易手数 | \njiāo yì shǒu shù | \njiau yih shoou shuh | \n
| Margin | \n保证金 | \nbǎo zhèng jīn | \nbao jenq jin | \n
| Margin call | \n增收保证金 | \nzēng shōu bǎo zhèng jīn | \ntzeng shou bao jenq jin | \n
| Foreign exchange market | \n外汇市场 | \nwài huì shì chǎng | \nway huey shyh chaang | \n
| Spot market | \n现货市场 | \nxiàn huò shì chǎng | \nshiann huoh shyh chaang | \n
| Forward market | \n远期市场 | \nyuǎn qī shì chǎng | \nyeuan chi shyh chaang | \n
| Currency futures | \n货币期货 | \nhuò bì qī huò | \nhuoh bih chi huoh | \n
| Currency options | \n货币期权 | \nhuò bì qī quán | \nhuoh bih chi chyuan | \n
| Hedging | \n套期保值 | \ntào qī bǎo zhí | \ntaw chi bao jyr | \n
| Speculation | \n投机 | \ntóu jī | \ntour ji | \n
| Foreign exchange control | \n外汇管制 | \nwài huì guǎn zhì | \nway huey goan jyh | \n
| Currency peg | \n货币挂钩 | \nhuò bì guà gōu | \nhuoh bih guah gou | \n
| Currency devaluation | \n货币贬值 | \nhuò bì biǎn zhí | \nhuoh bih bean jyr | \n
| Currency revaluation | \n货币升值 | \nhuò bì shēng zhí | \nhuoh bih sheng jyr | \n
| Floating exchange rate | \n浮动汇率 | \nfú dòng huì lǜ | \nfwu donq huey liuh | \n
| Fixed exchange rate | \n固定汇率 | \ngù dìng huì lǜ | \nguh dinq huey liuh | \n
| Currency conversion | \n货币兑换 | \nhuò bì duì huàn | \nhuoh bih duey huann | \n
| Foreign exchange broker | \n外汇经纪人 | \nwài huì jīng jì rén | \nway huey jing jih ren | \n
| Foreign exchange trading platform | \n外汇交易平台 | \nwài huì jiāo yì píng tái | \nway huey jiau yih pyng tair | \n
| Economic indicators | \n经济指标 | \njīng jì zhǐ biāo | \njing jih jyy biau | \n
| Interest rate differential | \n利率差异 | \nlì lǜ chā yì | \nlih liuh cha yih | \n
| Trade balance | \n贸易平衡 | \nmào yì píng héng | \nmaw yih pyng herng | \n
| Inflation rate | \n通货膨胀率 | \ntōng huò péng zhàng lǜ | \ntong huoh perng janq liuh | \n
| Fiscal policy | \n财政政策 | \ncái zhèng zhèng cè | \ntsair jenq jenq tseh | \n
| Foreign exchange reserves | \n外汇储备 | \nwài huì chǔ bèi | \nway huey chuu bey | \n
| Balance of payments | \n国际收支平衡 | \nguó jì shōu zhī píng héng | \ngwo jih shou jy pyng herng | \n
| Foreign exchange risk | \n外汇风险 | \nwài huì fēng xiǎn | \nway huey feng shean | \n
| Exchange rate fluctuation | \n汇率波动 | \nhuì lǜ bō dòng | \nhuey liuh bo donq | \n
| Forex trading hours | \n外汇交易时间 | \nwài huì jiāo yì shí jiān | \nway huey jiau yih shyr jian | \n
| Foreign exchange market analysis | \n外汇市场分析 | \nwài huì shì chǎng fēn xī | \nway huey shyh chaang fen shi | \n
| Technical analysis | \n技术分析 | \njì shù fēn xī | \njih shuh fen shi | \n
| Fundamental analysis | \n基本分析 | \njī běn fēn xī | \nji been fen shi | \n
| Foreign exchange news | \n外汇新闻 | \nwài huì xīn wén | \nway huey shin wen | \n
| Foreign exchange signal | \n外汇信号 | \nwài huì xìn hào | \nway huey shinn haw | \n
| Currency crisis | \n货币危机 | \nhuò bì wēi jī | \nhuoh bih uei ji | \n
If you’ve been studying Chinese for more than just a few weeks, then you probably already know just how important sayings and chengyu are for everyday conversations. Here are some of the most important sayings and phrases about money, finances, and prosperity.
\n![\"Chinese](\"https://images.contentstack.io/v3/assets/bltacc1a01c4d280f24/blt2589373d90ffb207/66c6f29f20995ec1cad2dc51/Chinese-proverb.jpg?auto=webp&format=pjpg&quality=80&\")
| Literal translation | \nChinese | \nPinyin | \nPronunciation | \nMeaning | \n
| One cent, one good. | \n一分钱一分货 | \nyì fēn qián yì fēn huò | \nyih fen chyan yih fen huoh | \nYou get what you pay for. | \n
| Spend money like flowing water. | \n花钱如流水 | \nhuā qián rú liú shuǐ | \nhua chyan ru liou shoei | \nTo spend money lavishly and quickly. | \n
| Save on food and be frugal on use. | \n省吃俭用 | \nshěng chī jiǎn yòng | \nsheeng chy jean yonq | \nTo live frugally and save money. | \n
| Money is not omnipotent. | \n钱不是万能的 | \nqián bú shì wàn néng de | \nchyan bwu shyh wann neng de | \nMoney isn’t everything. | \n
| Break expense. | \n破费 | \npò fèi | \npoh fey | \nTo spend money (often used to thank someone for their generosity). | \n
| To not pull out a single hair. | \n一毛不拔 | \nyì máo bù bá | \nyih mau buh bar | \nTo be very stingy. | \n
| Wealth rolling in. | \n财源滚滚 | \ncái yuán gǔn gǔn | \ntsair yuan goen goen | \nContinuous financial gain. | \n
| Guarding money slave. | \n守财奴 | \nshǒu cái nú | \nshoou tsair nu | \nMiser, someone who hoards money. | \n
| Throw gold like dirt. | \n挥金如土 | \nhuī jīn rú tǔ | \nhuei jin ru tuu | \nTo spend money recklessly. | \n
| Throw away a thousand pieces of gold in one throw. | \n一掷千金 | \nyí zhì qiān jīn | \nyi jyh chian jin | \nTo spend a large amount of money in one go. | \n
| Money can reach the gods. | \n钱可通神 | \nqián kě tōng shén | \nchyan kee tong shern | \nMoney can accomplish anything. | \n
| Waist wrapped with loads of cash. | \n腰缠万贯 | \nyāo chán wàn guàn | \niau charn wann guann | \nExtremely wealthy. | \n
| Shy in the pocket. | \n囊中羞涩 | \nnáng zhōng xiū sè | \nnang jong shiou seh | \nShort of money. | \n
| Daily gain a bucket of gold. | \n日进斗金 | \nrì jìn dǒu jīn | \nrì jìn dǒu jīn | \nTo make a fortune every day. | \n
| Unrighteous wealth. | \n不义之财 | \nbú yì zhī cái | \nbwu yih jy tsair | \nIll-gotten gains. | \n
| Gather sand to form a tower. | \n聚沙成塔 | \njù shā chéng tǎ | \njiuh sha cherng taa | \nSmall savings add up to a large amount. | \n
| Family wealth worth ten thousand cash. | \n家财万贯 | \njiā cái wàn guàn | \njia tsair wann guann | \nA very wealthy family. | \n
| Haggle over every cent. | \n锱铢必较 | \nzī zhū bì jiào | \ntzy ju bih jiaw | \nVery meticulous with money. | \n
| Kill the chicken to get the egg. | \n杀鸡取卵 | \nshā jī qǔ luǎn | \nsha ji cheu loan | \nDestroying a source of income for immediate gain. | \n
| House full of gold and jade. | \n金玉满堂 | \njīn yù mǎn táng | \njin yuh maan tarng | \nExtremely wealthy or prosperous. | \n
| Sit and eat until the mountain is empty. | \n坐吃山空 | \nzuò chī shān kōng | \ntzuoh chy shan kong | \nTo spend without making any money until all resources are exhausted. | \n
| Big wealth, big breath. | \n财大气粗 | \ncái dà qì cū | \ntsair dah chih tsu | \nTo be wealthy and arrogant. | \n
| Brocade clothes and jade food. | \n锦衣玉食 | \njǐn yī yù shí | \njiin i yuh shyr | \nLiving in luxury. | \n
| Wealth and honor. | \n富贵荣华 | \nfù guì róng huá | \nfuh guey rong hwa | \nWealthy and powerful. | \n
| Destitute and miserable. | \n穷困潦倒 | \nqióng kùn liáo dǎo | \nchyong kuenn liau dao | \nExtremely poor and in difficult circumstances. | \n
| To regard money as dirt. | \n视金钱如粪土 | \nshì jīn qián rú fèn tǔ | \nshyh jin chyan ru fenn tuu | \nTo be indifferent to money. | \n
| Start a family with bare hands. | \n白手起家 | \nbái shǒu qǐ jiā | \nbair shoou chii jia | \nTo build up from nothing. | \n
| Big hands, big feet. | \n大手大脚 | \ndà shǒu dà jiǎo | \ndah shoou dah jeau | \nTo spend money lavishly or extravagantly. | \n
| Daily food costs ten thousand. | \n日食万钱 | \nrì shí wàn qián | \nryh shyr wann chyan | \nTo have very extravagant lifestyle. | \n
| Carefully plan and meticulously calculate. | \n精打细算 | \njīng dǎ xì suàn | \njing daa shih suann | \nTo be very meticulous and economical in managing finance. | \n
| Save on clothes, reduce food. | \n节衣缩食 | \njié yī suō shí | \njye i suo shyr | \nTo live frugally. | \n
![\"Making](\"https://images.contentstack.io/v3/assets/bltacc1a01c4d280f24/bltc4e915e90759dd1d/66c6f2f7b506aa1f94c701f2/Shopping-in-China.jpg?auto=webp&format=pjpg&quality=80&\")
Payments in China are generally made with QR code payments, mostly through WeChat and Alipay. WeChat is an instant messaging application that is a must-have when visiting China. Not only is this the preferred communication method in the country, but you can also pay with it, order food, buy products, book flights, and so much more. Alipay is a similar app, except that it focuses on payments. You can pay for goods and services, book hotels and travel, order products from online stores, pay for utilities, and so much more.
\nMost businesses are still required to accept cash, although using cash to pay is relatively rare. International hotels and some international businesses accept foreign credit cards, but most other businesses only accept domestic payment methods. However, using foreign credit cards to pay is becoming more and more common, as the Chinese government has asked all mid- to high-end hotels and most scenic spots to accept foreign credit cards like Visa and MasterCard. Additionally, linking foreign credit cards to Alipay and WeChat is becoming easier, allowing tourists to pay just like the locals do when they visit.
\nChinese culture has tons of important symbols of wealth and prosperity, many of which could go unnoticed by the untrained eye. These are the Chinese symbols of money, wealth, and prosperity that you should be familiar with before your next visit to China:
\nRed envelopes containing money are staples during holidays and special occasions, especially on Chinese New Year. The red color symbolizes good luck and prosperity, while the money inside represents good wishes for wealth in the coming year.
\nThe Chinese word for fish sounds similar to the word for surplus, 余 (yú), making this one of the luckiest animals in Chinese. Having fish at important meals, especially during New Year celebrations, symbolizes having more than enough wealth and prosperity throughout the year.
\nThese fruits are considered some of the luckiest foods in Chinese thanks to their forms, which resemble gold, and the similar pronunciation with the character 吉 (jí), meaning lucky. Their round shape also represents wholeness and perfection. Gifting tangerines is a way of wishing someone good fortune.
\nThese boat-shaped gold ingots were used as currency in ancient China. Today, replicas are often placed at home to bring good luck and fortune, or used as sacrificial offerings for honoring ancestors and symbolizing the passing on of wealth.
\nThese round coins with square holes in the center are often used in feng shui arrangements and decorations. They symbolize wealth flowing in from all directions.
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If you enjoyed this guide, then make sure to check out the rest of our Mandarin blog, where we regularly publish helpful guides, like this guide to basic Chinese grammar and the ultimate guide to writing a resume in Chinese.
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teams"},{"uid":"blt8bde058702d6cb3b","value":"/blog/culture-insight-inclusion-and-community-on-diverse-and-dispersed-teams","label":"Culture insight: inclusion and community on diverse and dispersed teams"},{"uid":"blt69b884e9465044cf","value":"/blog/serving-yourself-a-drink-in-japan","label":"Cultural don'ts: Serving yourself a drink in Japan"},{"uid":"bltecccab0a8d7ab4fe","value":"/blog/characteristics-of-high-performance-multicultural-teams","label":"Characteristics of high-performance multicultural teams"},{"uid":"blt512b83300f9c19d7","value":"/blog/culture-insight-a-business-case-for-diversity","label":"Culture insight: a business case for diversity"},{"uid":"bltbbadccdbcda768bc","value":"/blog/why-learn-a-new-language-sports","label":"Why learn a new language: Sports"}],"contentType":"blog_posts","id":"5f413807-5441-5dad-b317-bc346bb382ab","uid":"bltad7cca8c352b6fa4","publish_details":{"locale":"en-us"},"date":"2024-08-22","date_modified":"2024-08-22","modified_date_text":null,"tags":["hreflang-blog-chinese-money-words"],"post_content":"If you’re used to traveling internationally, then you probably already know the drill. You exchange some cash at the airport, maybe withdraw some local currency at the ATM when you get there, and use your credit card wherever possible. But does China handle payments like most other parts of the world?
The answer is mostly no. China has its own payment ecosystem that is unlike anything else in the world. The overwhelming majority of transactions in China are made with QR code payments. While these are starting to become more common in the rest of the world, China has depended on them for a few years now, to the point where alternative payment methods are rare.
Businesses in China are still required to accept cash, but using cash to complete a transaction is so uncommon these days that you’re likely to wait for a long time for the cashiers to find change for you. Credit cards are largely useless unless you’re checking in at a hotel or staying in cities with large numbers of foreign tourists or residents, like Shanghai or Beijing.
So, how do you prepare for this? By learning all about money in Chinese! Once you know what you’re doing, you'll be able to handle payments in China like a pro. In this article, we’ll go over everything you need to know about Chinese money, including tons of Chinese banking and financial terms to help you get all set up in this country.
","image":{"description":null,"url":"https://images.contentstack.io/v3/assets/bltacc1a01c4d280f24/bltf2c37b90d7567366/66c6d41a33f9a5b80e7aa367/2149005394.jpg"},"seo":[{"meta_description":"Visiting China soon? Prepare with these Chinese money characters, vocabulary words and Chinese payment apps. Our top guide is comprehensive!","meta_title":"An expert guide to Chinese money characters, words & phrases","no_follow":false,"no_index":false,"canonical":""}],"author":[{"author_name":"Marco Monroy","author_type":"Person","profile_image":{"url":"https://images.contentstack.io/v3/assets/bltacc1a01c4d280f24/blt72aa62b5e0baa073/629b66377e445a4356bd796e/photo.jpg"},"author_link":{"href":"https://www.berlitz.com/blog/author/marco-monroy"},"social_link":[{"social_platform":"Linkedin","profile_link":{"href":"https://www.linkedin.com/in/marco-monroy/"}}]}],"editor":[{"author_name":" Manli Zhu","profile_image":{"url":"https://images.contentstack.io/v3/assets/bltacc1a01c4d280f24/bltd035b012ac449878/65b7057ffd23e5465c7d9799/Manli_Zhu.png"},"author_link":{"href":"https://www.berlitz.com/blog/editor/manli-zhu"},"social_link":[{"social_platform":"Linkedin","profile_link":{"href":"https://www.linkedin.com/in/manli-zhu-phd-40631086/"}}]}],"category":[{"url":"/blog","title":"All"},{"url":"/blog/mandarin","title":"Mandarin Chinese"}],"page_parent":[{"url":"/blog","uid":"bltd6b236896e9ea7d6","title":"All"}],"related_articles":[{"uid":"bltcc804dffaef45cc5"},{"uid":"blt23ac5a26c5607879"},{"uid":"blt2f4be33cceeb7f2a"}]}},"staticQueryHashes":["1271460761","1503605387","1590406072","2094563343","2095697357","2255537454","2791933573","692030627","844383502"]}