不渡り

• 読み: ふわたり
• ローマ字: fuwatari
• 漢字の分解: 不 (fu) — not, failure; 渡 (to/wata) — cross, pass over
• 発音: /ɸɯ.wa.ta.ɾi/

意味

Dishonoured cheque or bill; default on a payment instrument; a payment that fails to clear.

Refers specifically to a promissory note or cheque that is presented for payment but cannot be honoured, typically due to insufficient funds. Under Japanese banking practice, a company that issues two dishonoured instruments within six months is subject to a two-year banking transaction ban (取引停止処分) — effectively a signal of bankruptcy. A serious event with severe commercial consequences.

例文

1. 取引先が不渡りを出したという知らせが届いた。
2. 手形の不渡りが続き、会社は事実上の倒産状態となった。
3. 不渡りを防ぐために手形決済から振込決済に移行した。

使い方ガイド

場面: banking, finance, business, insolvency

トーン: formal

起源と歴史

Compound of 不 (not, failure) and 渡り (the act of crossing or passing; from 渡る). Literally 'not passing through' — a payment that fails to clear the banking system.

文化的背景

時代: Modern

世代: Business professionals

社会的背景: Corporate/Finance