存折

• 拼音: cún zhé
• 汉字拆解: 存 = 子 + 才 (deposit, save); 折 = 扌+ 斤 (fold, booklet)

含义

Bankbook; passbook. A small booklet recording deposits, withdrawals, and balance in a bank account.

A physical record of banking transactions, still used by older generations and in some rural areas despite digital banking. Contains account number, transaction history, and current balance. Being replaced by bank cards and mobile banking.

例句

1. 奶奶不会用手机银行，每个月都去银行更新存折。
2. 他小心翼翼地把存折藏在抽屉最深处。
3. 现在年轻人基本不用存折了，都是手机上直接转账。

用法指南

语境: banking, finance, everyday

语气: practical

正确说法

• 这是我的存折，帮我查一下余额。(This is my passbook; please check the balance for me.)
• 存折丢了要赶紧挂失。(If you lose your bankbook, report it lost immediately.)

错误说法

• 我用存折网购 (存折 is physical — for online purchases use 银行卡 or 手机支付)

起源与历史

Compound of 存 (to deposit, save) + 折 (booklet, folded paper). Literally a 'deposit booklet.'

文化背景

时代: 1990s-2010s

世代: Older adults

社会背景: Universal