信贷

• Pinyin: xìn dài
• Hanzi breakdown: 信 = 亻 + 言 (trust); 贷 = 代 + 贝 (lend/loan)

Meaning

Credit; financial credit. The provision of funds by a lender to a borrower, typically with interest.

A financial term used in banking, economics, and policy contexts. Appears in phrases like 信贷政策 (credit policy), 信贷风险 (credit risk), and 消费信贷 (consumer credit).

Examples

1. 银行收紧了信贷政策，导致企业融资难度增加。 The bank tightened its credit policies, making it harder for businesses to raise funds.
2. 政府出台措施扩大对中小企业的信贷支持，以刺激经济发展。 The government introduced measures to expand credit support for small and medium-sized businesses to spur economic growth.
3. 过度依赖信贷消费可能导致个人财务陷入困境。 Relying too heavily on credit-fueled spending can push personal finances into trouble.

Usage Guide

Context: finance, banking, economics

Tone: neutral

Do Say

• 央行调整信贷规模以控制通货膨胀。(The central bank adjusted credit volume to control inflation.)
• 信贷市场的稳定对经济健康运行至关重要。(Stability in the credit market is crucial to healthy economic operations.)

Don't Say

• 用信贷买了一件衣服 — too colloquial; use 刷卡 or 分期付款 for everyday credit purchases; 信贷 is a formal economic term

Origin & History

信 (trust) + 贷 (loan/credit)

Cultural Context

Era: Modern

Generation: Adults

Social background: Universal