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債 — pronunciations, definitions, and tags
HanziPinyinEnglishTags
zhàidebt, loan, liabilityzg, 13 strokes, radical 亻, rank #53642, Very Hard
zhài(zhai4) T4
  1. 1debt, loan, liability
Listen to the audio pronunciation 3 times to gain XP
March 24, 2026

zhài(zhai4)

The character 債 (zhài) refers to debt, loans, or liabilities. It is commonly used in financial contexts, such as discussing personal loans, mortgages, or corporate debts. Understanding this term is essential for navigating conversations about finances in Mandarin.

Strokes13RadicalFrequency#53642DifficultyVery Hard
Cultural Note

In Chinese culture, financial stability is highly valued, and discussions about debts are often approached with caution. The concept of debt can carry a social stigma, making it important to navigate conversations about it carefully.

Memory Tip

Visualize a person carrying a heavy backpack filled with bricks, representing their debts. The character 債 looks like a person (the '人' radical on the left) weighed down by the obligations (the '借' component on the right, meaning 'to borrow'). Remember 'zhài' by linking it to 'weighty obligations.'

Meanings of 債

zhài(zhai4)
1debt, loan, liability
Exercise 1 of 2

Listen & Choose the Meaning

Choose the correct answer:

About 債

Simplified
13Strokes
Radical
状态词stative word (stat.)Part of Speech
#—Frequency Rank

Podcast: 債

JasonAmy

Podcast:

Listen to Jason & Amy break down this word for you

AI Study Notes for 債

Quick Contrast

债务 (zhàiwù) - use 債 (zhài) for general debt concepts, while 债务 (zhàiwù) specifically refers to obligations or liabilities.

Memory Mnemonic

Visualize a person carrying a heavy backpack filled with bricks, representing their debts. The character 債 looks like a person (the '人' radical on the left) weighed down by the obligations (the '借' component on the right, meaning 'to borrow'). Remember 'zhài' by linking it to 'weighty obligations.'

Usage Notes

Learners often confuse 債 with 借 (jiè), which means 'to borrow.' Remember that 債 specifically refers to the debt itself, while 借 is the action of borrowing. It's usually used in more formal contexts, such as financial discussions.

HSK Study Tips

Although not part of the official HSK levels, understanding 債 is useful as it connects with other financial terms like 貸款 (dàikuǎn, loan) and 利息 (lìxī, interest). Students should focus on recognizing its usage in financial texts and conversations.

Cultural Note

In Chinese culture, financial stability is highly valued, and discussions about debts are often approached with caution. The concept of debt can carry a social stigma, making it important to navigate conversations about it carefully.

Common Mistakes

Learners often mistakenly write 債 as 借, confusing the two characters. Remember, 債 means 'debt' while 借 means 'to borrow.' Always check the context to ensure correct usage.

AI-enhanced 2026-03-24

Pronunciation of 債

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Etymology of 債

Formation TypeIdeographic 指事
六书 ClassificationIdeograph (指事字)~2% of characters
Memory Hint

A person's 亻 duty 責; 責 also provides the pronunciation

Learn more about Ideograph (指事字) characters
Exercise 1 of 1

Character Formation Type

What type of character formation is 債?

Decomposition of 債

IDS Structure⿰亻責
Full Character
=
ren2
left
ze2
right
Exercise 1 of 2

Identify the Components

Which of these is a component of 債?

Write 債

Practice writing stroke by stroke. Watch the animation to learn the stroke order, then try writing it yourself.

Write correctly 3 times to earn XP

Cultural Notes for 債

🏮Cultural insight

In Chinese culture, financial stability is highly valued, and discussions about debts are often approached with caution. The concept of debt can carry a social stigma, making it important to navigate conversations about it carefully.

Word Family of 債

Words Containing This Character20
zhàidebt
债务zhàiwùdebt債務
债券zhàiquànbond債券
国债national debt國債
负债to be in debt負債
还债to settle a debt還債
血债debt of blood (after killing sb)血債
欠债to owe a debt欠債
债权creditor's rights (law)債權
债权人creditor債權人
债主creditor債主
讨债to demand repayment討債
负债累累deep in debt負債累累
公债government bond公債
外债foreign debt外債
债务人debtor債務人
抵债to repay a debt in kind or by labor抵債
放债to give credit放債
债台高筑lit. build a high desk of debt (idiom); heavily in debt債臺高築
借债to borrow money借債
Exercise 1 of 4

Compound Meaning

What does 债 mean?

Frequently Asked Questions about 債

You can say '我有很多債' (Wǒ yǒu hěn duō zhài) which means 'I have a lot of debt.'