余额

• 拼音: yú é
• 汉字拆解: 余 = 食 + 余 (food + surplus — remaining); 额 = 客 + 页 (guest + page — a fixed amount, forehead extended to quota/sum)

含义

Balance; remaining amount. The amount of money or resources remaining in an account, fund, or budget after deductions.

Primarily a financial and accounting term. Used for bank account balances, budget remainders, loan outstanding amounts, and prepaid card balances. Distinguished from 剩余 (remainder in general) by its specific application to financial or quantifiable numerical balances. Common in banking, personal finance, corporate accounting, and government budget contexts.

例句

1. 据财政部第三季度报告，各省专项债务余额的加权平均期限已延长到七点八年。
2. 银行智能储蓄会监控活期账户余额，把超出阈值的闲钱自动转入高收益产品。
3. 审计发现，三个平台账面余额与银行存款不符，疑似借虚构往来粉饰流动性。

用法指南

语境: finance, banking, accounting, budget

语气: neutral

正确说法

• 社保基金结余余额创新高，但专家称若不调缴费率和退休年龄，优势仍会被耗尽。(The social security fund's surplus balance hit a record high, but experts said that unless contribution rates and retirement age are adjusted, the advantage will still be exhausted.)
• 财务部门月度管理时要盯住各子账户余额，保持最低备付余额以满足支付和合规。(During monthly management, the finance department must monitor each subaccount's balance and keep the minimum reserve balance needed for payments and compliance.)

错误说法

• 我有很多余额精力 — 余额 is exclusively for financial or numerical balances; for remaining energy or non-financial resources use 剩余 (remaining), 多余 (surplus), or 充沛 (abundant)

起源与历史

余 (remaining/surplus — food surplus after eating) + 额 (amount/sum — 客 guest + 页 page; originally a forehead, later extended to a fixed amount on a document). Together: remaining amount.

文化背景

世代: All ages

社会背景: Universal