退休金

• ピンイン: tuì xiū jīn
• 漢字の分解: 退 = 辶 (walk) + 艮 (stop); 休 = 人 (person) + 木 (tree) — a person resting by a tree; 金 = pictograph of buried metal nuggets

意味

年金（退職後の給付金）

Refers to the monthly pension benefit (养老金) as well as any lump-sum retirement payment. A significant topic in Chinese society given the ageing population and ongoing pension reform debates. Colloquially, older people often refer to their 退休金 when discussing their financial security in retirement.

例文

1. 他工作了三十年，每月领取相当可观的退休金。
2. 退休金的高低直接影响老年人的生活质量。
3. 社保改革的目标之一是确保退休金按时足额发放。

使い方ガイド

場面: social, financial, elderly

トーン: matter-of-fact

正しい言い方

• 她六十岁退休后每月领一笔退休金，生活无忧。(After she retired at sixty, she receives a monthly pension and has no financial worries.)
• 退休金不够维持生活，他只好再找了一份兼职。(The pension wasn't enough to cover living expenses, so he had to find a part-time job.)

避ける言い方

• 把退休金和工资混用 (退休金 is a pension after retirement; 工资 is a salary earned while working — they are distinct)

起源と歴史

Compound of 退休 (retire from work) + 金 (money, gold). Literally 'the money for retiring.'

文化的背景

世代: Older adults

社会的背景: Universal