Chinese Conversation · Level 77
90 words
Chinese word
担保
Pronunciation
Pinyindān bǎo
Meaning
- nouncollateral
Example
贷款需要担保，否则银行不放款。dài kuǎn xū yào dān bǎo fǒu zé yín háng bú fàng kuǎn
The loan requires collateral; otherwise, the bank will not lend the money.
More examples
父母常常为孩子的留学贷款做担保。fù mǔ cháng cháng wèi hái zi de liú xué dài kuǎn zuò dān bǎo
Parents often act as guarantors for their children's study-abroad loans.
Core concept
A debt gains a protective backing that reduces the lender's risk when repayment is uncertain.
Common phrases
提供担保tí gōng dān bǎo
provide a guarantee
以房产作担保yǐ fáng chǎn zuò dān bǎo
use property as security
签订担保合同qiān dìng dān bǎo hé tóng
sign a guarantee agreement
Similar words
抵押物dǐ yā wù: Real estate, such as land or a building, offered as security for a loan.
质押物zhì yā wù: Goods or securities handed over as security for a loan or other debt.
保证金bǎo zhèng jīn: Money paid in advance to cover future loss or failure to meet an agreement.
保证人bǎo zhèng rén: A person who agrees to repay another person's debt if needed.
Definition in Chinese
在信用交易或借贷中，为减少违约风险而由债务人或第三方提供的可用于抵偿债务的财产或承担责任的人。zài xìn yòng jiāo yì huò jiè dài zhōng wèi jián shǎo wéi yuē fēng xiǎn ér yóu zhài wù rén huò dì sān fāng tí gōng de kě yòng yú dǐ cháng zhài wù de cái chǎn huò chéng dān zé rèn de rén
Word origin
The compound 担 (dān, "to bear responsibility") + 保 (bǎo, "to protect") combines bearing responsibility with protecting, a compact picture of support that covers a debt.
Usage tips
- When this word concerns another person's loan, the speaker may be accepting serious financial responsibility, not merely expressing trust in that person.
Other meanings
- guaranteeverb
Related words
- 担保人dān bǎo rénguarantornoun
- 担保合同dān bǎo hé tóngguarantee agreementnoun