融資

• Reading: ゆうし
• Romaji: yuushi
• Kanji breakdown: 融 (yuu) — melt, dissolve, finance; 資 (shi) — resources, funds, capital
• Pronunciation: /jɯː.ɕi/

Meaning

Financing; loan. The provision of funds, typically by a financial institution, for business or personal purposes.

A noun and suru verb used in banking and business contexts. Common collocations include 融資を受ける (to receive a loan), 融資を申し込む (to apply for a loan), and 住宅融資 (housing loan). More formal than 借金 (shakkin, borrowing/debt) and emphasises the lender's perspective of providing funds rather than the borrower's act of taking on debt.

Examples

1. 銀行から融資を受けて新しい店舗を開いた。 I received a loan from the bank and opened a new store.
2. 中小企業向けの融資制度が拡充された。 The loan program for small and mid-sized businesses has been expanded.
3. 事業計画書がなければ融資の審査は通らない。 Without a business plan, you won't pass the loan screening process.

Usage Guide

Context: banking, business, real estate

Tone: neutral

Origin & History

From Sino-Japanese: 融 (yuu, melt/dissolve/finance) + 資 (shi, resources/funds). Literally 'melting resources together' — making capital flow towards those who need it.

Cultural Context

Era: Modern

Generation: Adults

Social background: Professional