HSK 5 · INDIVIDUAL WORD LESSON
贷款
Word meaning
a loan; to provide a loan (e.g. bank); to raise a loan (from e.g. a bank)
Character components
- 贝bèishell
- 代dàiclothes
- 士shìscholar
- 示shìsign/spirit
- 欠qiànyawn
Etymology · 词源
Source confidence · 资料可信度：Source-backed · 有资料依据“贷”的历史构形可以这样理解：贝主要提示意义范围；代主要提示较早的读音。这些部件的作用依据历史字形判断，不等同于今天看到的任意笔画组合。 “款”的历史构形可以这样理解：欠主要提示较早的读音；士、示的历史作用尚不明确。这些部件的作用依据历史字形判断，不等同于今天看到的任意笔画组合。 以上是各字的历史构形说明；“贷款”作为现代词语时，应结合完整词义学习，不能把单字意义机械相加。
Phonosemantic compound. 贝 represents the meaning and 代 represents the sound. Simplified form of 貸. 欠 represents the sound. The significance of the left component is unclear. These notes explain the characters’ formation. Learn 贷款 as a complete modern word rather than mechanically adding isolated character meanings.
Learning note · 学习提示：形旁通常提示意义范围，声旁通常提示较早的读音；现代普通话读音或字义可能已经发生变化。 Semantic components often suggest a meaning range, while phonetic components often reflect an earlier pronunciation; modern Mandarin sound or meaning may have changed.
部件联想帮助记忆字形，不代替严格的汉字字源研究。基础整体字不会为了动画而强行拆解。Component associations support visual memory; they do not replace rigorous historical research. Basic whole characters are never forced into an artificial decomposition for animation.
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