余额

• Pinyin: yú é
• Desglose de hanzi: 余 = 食 + 余 (food + surplus — remaining); 额 = 客 + 页 (guest + page — a fixed amount, forehead extended to quota/sum)

Significado

Saldo; cantidad restante.

Primarily a financial and accounting term. Used for bank account balances, budget remainders, loan outstanding amounts, and prepaid card balances. Distinguished from 剩余 (remainder in general) by its specific application to financial or quantifiable numerical balances. Common in banking, personal finance, corporate accounting, and government budget contexts.

Ejemplos

1. 据财政部第三季度报告，各省专项债务余额的加权平均期限已延长到七点八年。
2. 银行智能储蓄会监控活期账户余额，把超出阈值的闲钱自动转入高收益产品。
3. 审计发现，三个平台账面余额与银行存款不符，疑似借虚构往来粉饰流动性。

Guía de uso

Contexto: finance, banking, accounting, budget

Tono: neutral

Correcto

• 社保基金结余余额创新高，但专家称若不调缴费率和退休年龄，优势仍会被耗尽。(The social security fund's surplus balance hit a record high, but experts said that unless contribution rates and retirement age are adjusted, the advantage will still be exhausted.)
• 财务部门月度管理时要盯住各子账户余额，保持最低备付余额以满足支付和合规。(During monthly management, the finance department must monitor each subaccount's balance and keep the minimum reserve balance needed for payments and compliance.)

Incorrecto

• 我有很多余额精力 — 余额 is exclusively for financial or numerical balances; for remaining energy or non-financial resources use 剩余 (remaining), 多余 (surplus), or 充沛 (abundant)

Origen e historia

余 (remaining/surplus — food surplus after eating) + 额 (amount/sum — 客 guest + 页 page; originally a forehead, later extended to a fixed amount on a document). Together: remaining amount.

Contexto cultural

Generación: All ages

Contexto social: Universal