担保

• 拼音: dān bǎo
• 汉字拆解: 担 = 扌(hand) + 旦 (dawn, phonetic); 保 = 亻(person) + 呆 (stay/dull)

含义

To guarantee; to vouch for. Also a noun meaning guarantee or surety.

Used in both legal/financial and everyday contexts. In finance, refers to providing security or collateral for a loan. In daily life, means to vouch for someone's character or promise. Can describe personal guarantees or formal contractual guarantees.

例句

1. 买房贷款需要有人担保才能申请。
2. 我可以担保他是一个诚实可靠的人。
3. 这家银行要求提供房产作为贷款担保。

用法指南

语境: finance, legal, everyday

语气: serious

正确说法

• 你愿意为他做担保吗？(Are you willing to act as his guarantor?)
• 我担保这件事一定能办好。(I guarantee this matter will be handled well.)

错误说法

• 轻率地用担保来开玩笑 (Don't use 担保 casually as a joke — it carries legal and moral weight; in casual contexts use 保证 instead)

起源与历史

担 (carry on shoulder/bear) + 保 (protect/guarantee) — to shoulder the responsibility of protecting or guaranteeing something.

文化背景

世代: All ages

社会背景: Universal