资产

• Pinyin: zī chǎn
• Hanzi breakdown: 资 = 次 (next) + 贝 (shell/money) — resources; 产 = 立 (stand) + 生 (life) — to produce, property

Meaning

Assets; property. Items of value owned by a person or organization, including physical property, investments, and other holdings.

Broader than 资本, encompassing all forms of valuable property. Used in accounting (资产负债表 — balance sheet), real estate, and personal finance. Can be tangible (房产) or intangible (知识产权).

Examples

1. 这家公司的总资产超过了十亿元。 This company's total assets exceed one billion yuan.
2. 房产是很多中国家庭最重要的资产。 Real estate is the most important asset for many Chinese families.
3. 离婚时双方要对共同资产进行分割。 During divorce, both parties need to divide their joint assets.

Usage Guide

Context: finance, legal, business

Tone: professional

Do Say

• 公司正在对资产进行重组。(The company is restructuring its assets.)
• 他名下有大量不动产资产。(He has substantial real estate assets under his name.)

Don't Say

• 说'我的手机是我的资产' (Don't use 资产 for small personal belongings — it implies significant valuable property; use 东西 or 物品)

Origin & History

资 (wealth, resources) + 产 (property, production). Together they mean valuable property or holdings.

Cultural Context

Generation: All ages

Social background: Universal