还款

• ピンイン: huán kuǎn
• 漢字の分解: 还 = 辶 + 不 simplified (movement + return); 款 = 欠 + 示 (owe + indicate, a sum owed)

意味

返済（する）

A common financial term used in banking, personal finance, and legal contexts. Collocates with 按时, 分期, 提前, and 逾期. Increasingly relevant in everyday speech due to the prevalence of credit cards, mortgages, and consumer loans.

例文

1. 他每月按时还款，从未有过逾期记录。
2. 贷款合同明确规定了还款方式和还款周期。
3. 提前还款可以减少利息支出，但需要向银行提出申请。

使い方ガイド

場面: finance, banking, legal, personal finance

トーン: neutral

正しい言い方

• 请务必在每月还款日之前将款项转入指定账户，以免产生逾期费用。(Please make sure to transfer the funds into the designated account before the monthly repayment date to avoid late fees.)
• 银行建议借款人尽量选择等额本息的还款方式，以便做好长期财务规划。(The bank recommends that borrowers choose equal principal and interest repayments where possible, to facilitate sound long-term financial planning.)

避ける言い方

• 还款 informally for paying back small amounts owed to friends — use 还钱 in casual speech; 还款 has a formal, contractual connotation suited to institutional lending

起源と歴史

还 (return/repay) + 款 (funds/sum of money)

文化的背景

世代: Adults

社会的背景: Universal