金融

• Pinyin: jīn róng
• Hanzi breakdown: 金 = gold/money; 融 = 鬲 + 虫, to melt/circulate

Meaning

Finance; financial services. The system of money, banking, investments, and credit.

A core term in economics and business referring to the entire financial system and industry. Common compounds include 金融业 (financial industry), 金融危机 (financial crisis), 金融市场 (financial market), 金融机构 (financial institution), and 金融中心 (financial center). Essential vocabulary for business and economic discussions.

Examples

1. 上海是中国最重要的金融中心之一。 Shanghai is one of China's most important financial centers.
2. 他大学学的是金融专业，毕业后进了投行。 He majored in finance at university and joined an investment bank after graduation.
3. 二〇〇八年的全球金融危机对世界经济造成了深远影响。 The 2008 global financial crisis had a profound impact on the world economy.

Usage Guide

Context: business, economics, news

Tone: professional

Do Say

• 他在金融行业干了二十多年。(He's worked in the financial industry for over twenty years.)
• 金融知识对每个人都很重要。(Financial knowledge is important for everyone.)

Don't Say

• 混淆金融和金钱，如'我需要一些金融' (金融 refers to the financial system/industry, not money itself — use 钱 or 资金 for actual money)

Origin & History

Compound of 金 (gold, money) + 融 (to melt, to circulate). Literally 'money circulation' — the flow and management of monetary capital.

Cultural Context

Generation: All ages

Social background: Universal