Skip to content
Stroke order, etymology and audio for every word.Start learning
拖欠 — pronunciations, definitions, and tags
HanziPinyinEnglishTags
拖欠tuōqiànin arrearsHSK 7, unknown, 12 strokes, rank #20637, Very Hard
拖欠tuōqiànbehind in paymentsHSK 7, unknown, 12 strokes, rank #20637, Very Hard
拖欠tuōqiànto default on one's debtsHSK 7, unknown, 12 strokes, rank #20637, Very Hard
tuōqiàn(tuo1qian4)tuo qian T1
  1. 1in arrears
  2. 2behind in payments
Listen to the audio pronunciation 3 times to gain XP
March 24, 2026

拖欠tuōqiàn(tuo1qian4)

拖欠 refers to being in arrears or behind in payments, particularly in financial contexts. This term is commonly used when an individual or organization fails to meet their payment obligations on loans, bills, or other debts. It carries a negative connotation, implying irresponsibility or financial distress.

Strokes12Frequency#20637DifficultyVery Hard
Cultural note

In Chinese culture, financial responsibility is highly valued, and falling into 拖欠 can lead to social stigma and loss of face. This makes timely payments essential in maintaining personal and professional relationships.

Memory tip

Imagine a person dragging (拖) a heavy debt (欠) behind them like a ball and chain. The character 拖 means to drag, while 欠 indicates something owed. Visualizing someone struggling to keep up with their financial obligations can help remember both the meaning and pronunciation.

Meanings of 拖欠

tuōqiàn(tuo1qian4)
1in arrears
2behind in payments
Exercise 1 of 2

By ear

Play it, then pick what 拖欠 means.

About 拖欠

拖欠Simplified
12Strokes
—Radical
动词dòngcíverb (v.)Part of Speech
#—Frequency Rank
HSK 3.0L7AdvancedBCT✓CEFRC2

Podcast: 拖欠

JasonAmy

Podcast: 拖欠

Listen to Jason & Amy break down this word for you

AI study notes for 拖欠

Quick Contrast

欠 (qiàn) vs 拖延 (tuōyán): Use 拖欠 when specifically referring to unpaid debts, while 欠 can refer to any kind of lack or deficiency, and 拖延 implies a delay rather than a financial obligation.

Usage Notes

Be careful to use 拖欠 in formal contexts, especially in business or financial discussions. A common mistake is using it in casual conversations where simpler terms for being late might suffice. Remember that it can carry a serious tone, so avoid using it lightly.

HSK Study Tips

Although 拖欠 is not directly included in the HSK vocabulary lists, it connects well to HSK Level 4 financial terms like 贷款 (loan) and 借款 (borrow). When studying, focus on the contexts in which debts and payments are discussed, as these will help reinforce the term's usage.

Common Mistakes

Learners sometimes confuse 拖欠 with 逾期. For example, saying '我拖欠了我的账单' (I delayed my bill) should be corrected to '我逾期了我的账单' (I am overdue on my bill) if there's no debt issue.

AI-enhanced 2026-03-24

Pronunciation of 拖欠

Premium — Locked

Tone practice

Pro

Drill the tone of 拖欠, say it back, see your pitch against the model voice, and earn XP towards mastery. Interactive tone practice is part of Pro.

Tone drillsPitch drawing+5 XP
Get Pro to unlock

Jason Explains 拖欠 to you

Let me explain 拖欠 for you

Make it yours

Jason looks at what you watch and listen to, the checkpoints you have cleared, our lessons and what you have been exploring, and explains 拖欠 through them.

Sign in free to make it personal. New accounts start with 200 AI credits.

How well do you know 拖欠?

Example

Learning Lab

Knowing 拖欠 is seven skills, not one.

Its meaning, its character, its pinyin, its tone — hearing it, saying it, writing it. The Learning Lab measures each one from your own practice, on every word you study, so you see what you actually know rather than how much you have done.

  • MeaningFree
  • CharacterFree
  • PinyinFree
  • TonePro
  • ListeningPro
  • SpeakingPro
  • WritingPro
See the Learning Lab Three facets free · no card needed

Component characters

拖tuōto drag, to haul, to tow; to delay
HSK 68 strokes扌
View full entry
欠qiàndeficient
HSK 54 strokes欠
View full entry

How to say in arrears in Chinese

“in arrears” in Chinese is拖欠tuōqiàn

拖欠 refers to being in arrears or behind in payments, particularly in financial contexts. This term is commonly used when an individual or organization fails to meet their payment obligations on loans, bills, or other debts. It carries a negative connotation, implying irresponsibility or financial distress.

When to use 拖欠

Be careful to use 拖欠 in formal contexts, especially in business or financial discussions. A common mistake is using it in casual conversations where simpler terms for being late might suffice. Remember that it can carry a serious tone, so avoid using it lightly.

拖欠 or something close to it

欠 (qiàn) vs 拖延 (tuōyán): Use 拖欠 when specifically referring to unpaid debts, while 欠 can refer to any kind of lack or deficiency, and 拖延 implies a delay rather than a financial obligation.

What learners get wrong

Learners sometimes confuse 拖欠 with 逾期. For example, saying '我拖欠了我的账单' (I delayed my bill) should be corrected to '我逾期了我的账单' (I am overdue on my bill) if there's no debt issue.

Write 拖欠

拖
欠

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

Write correctly 3 times to earn XP

Ask Jason

Have a question about 拖欠?

Jason answers about this word at your level: example sentences, how it differs from similar words, and a way to remember it.

Sign in free to ask. New accounts start with 200 AI credits.

Frequently asked questions about 拖欠

No, 拖欠 applies to both personal and commercial debts, including loans and bills.

Jason Recommends

Not sure what to learn after 拖欠?

Jason picks three words from your level and explains why each one is worth your time next. It takes a free account so he knows what you already know.

A sample week, replayed. Every page you study lands here in the order you did it — your own replay starts with a free account.

See the Learning Lab