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March 24, 2026
公积金(公積金)gōngjījīn(gong1ji1jin1)
公积金 (gōngjījīn) refers to a type of savings fund that is often associated with public services, such as housing or retirement. It is commonly used in the context of mandatory contributions made by employees and employers, typically for housing benefits or social security. The term embodies the idea of collective contributions for communal welfare.
Frequency#—DifficultyVery Hard
Cultural Note
公积金 is an integral part of China's housing policy, reflecting the government's approach to ensuring affordable housing for citizens. It is a key element in many urban workers' financial planning and is often tied to their job benefits.
Memory Tip
Think of 公 (gōng) as 'public' or 'official', 积 (jī) as 'accumulate', and 金 (jīn) as 'money'. Imagine a public treasure chest where everyone contributes money that builds up over time, representing the accumulated funds meant for public good.
Meanings of 公积金
gōngjījīn(gong1ji1jin1)
1official reserves
2accumulated fund
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About 公积金
公积金Simplified
公積金Traditional
—Strokes
—Radical
#—Frequency Rank
HSK 3.0L7AdvancedCEFRC2
Podcast: 公积金
Podcast: 公积金
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AI Study Notes for 公积金
Memory Mnemonic
Think of 公 (gōng) as 'public' or 'official', 积 (jī) as 'accumulate', and 金 (jīn) as 'money'. Imagine a public treasure chest where everyone contributes money that builds up over time, representing the accumulated funds meant for public good.
Usage Notes
公积金 is often used in formal contexts related to employment and social security. Common mistakes include confusing it with personal savings accounts; remember that it specifically refers to collective funds. Be cautious with tone; the first tone (gōng) should be pronounced strongly.
HSK Study Tips
While 公积金 is not an HSK vocabulary word, it connects to themes of finance and social structures that appear at HSK 4 and above. Focus on understanding related terms like 住房 (housing) and 社会保障 (social security) to build contextual knowledge.
Cultural Note
公积金 is an integral part of China's housing policy, reflecting the government's approach to ensuring affordable housing for citizens. It is a key element in many urban workers' financial planning and is often tied to their job benefits.
Common Mistakes
Learners often mispronounce 公积金, particularly with the tones; for instance, saying 'gong2 ji1 jin1' instead of 'gong1 ji1 jin1'. Additionally, confusing it with personal savings accounts is a frequent error; remember it is a collective fund.
AI-enhanced 2026-03-24
Pronunciation of 公积金
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Cultural Notes for 公积金
🏮Cultural insight
公积金 is an integral part of China's housing policy, reflecting the government's approach to ensuring affordable housing for citizens. It is a key element in many urban workers' financial planning and is often tied to their job benefits.
Frequently Asked Questions about 公积金
公积金 is primarily used to help employees save for housing and retirement, providing financial security to workers.
No, 公积金 withdrawals are usually restricted to specific purposes, such as purchasing a home or paying for medical expenses.
Yes, in China, both employers and employees are required to contribute to 公积金, although the exact regulations can vary by region.
