Money and finance: HSK 7-9 金融理财：HSK 七至九级

利率还是低。

Lìlǜ háishi dī.

Interest rates are still low.

利率和通货膨胀很高。

Lìlǜ hé tōnghuòpéngzhàng hěn gāo.

Interest rates and inflation were high.

价格应该符合预算。

Jiàgé yīnggāi fúhé yùsuàn.

The price should fit my budget.

我们用少的预算旅行。

Wǒmen yòng shǎo de yùsuàn lǚxíng.

We are traveling on a tight budget.

沉重的债务让他睡不好觉。

Chénzhòng de zhàiwù ràng tā shuì bù hǎo jué.

His heavy debt keeps him from sleeping well.

他深陷债务的泥潭，很难脱身。

Tā shēnxiàn zhàiwù de nítán, hěn nán tuōshēn.

He is deep in a quagmire of debt and can hardly get out.

他每个月都积蓄一点钱。

Tā měige yuè dōu jīxù yìdiǎn qián.

He saves a little money every month.

她为了虚荣花光了积蓄。

Tā wèile xūróng huāguāng le jīxù.

She spent all her savings out of vanity.

我奶奶还习惯用存折。

Wǒ nǎinai hái xíguàn yòng cúnzhé.

My grandmother is still used to using a passbook.

存折丢了，快去银行补办。

Cúnzhé diū le, kuài qù yínháng bǔbàn.

Your bankbook is lost, so go to the bank quickly to get a replacement.

你可以用手机给我转账吗？

Nǐ kěyǐ yòng shǒujī gěi wǒ zhuǎnzhàng ma?

Can you transfer the money to me with your phone?

系统坏了，我没办法转账。

Xìtǒng huàile, wǒ méi bànfǎ zhuǎnzhàng.

The system is down, so I can't make a transfer.

我每天晚上都用手机记账。

Wǒ měitiān wǎnshang dōu yòng shǒujī jìzhàng.

I keep my accounts on my phone every evening.

为了存钱，你应该学会记账。

Wèile cúnqián, nǐ yīnggāi xuéhuì jìzhàng.

To save money, you should learn to keep track of your accounts.

办理外汇需要带护照吗？

Bànlǐ wàihuì xūyào dài hùzhào ma?

Do I need to bring my passport to handle foreign exchange?

我叔叔每天都看外汇市场的消息。

Wǒ shūshu měitiān dōu kàn wàihuì shìchǎng de xiāoxi.

My uncle follows foreign exchange market news every day.

他买了不少证券。

Tā mǎile bùshǎo zhèngquàn.

He bought quite a lot of stocks and bonds.

股票是一种常见的证券。

Gǔpiào shì yìzhǒng chángjiàn de zhèngquàn.

Stocks are a common kind of security.

年底股东能拿到红利。

Niándǐ gǔdōng néng nádào hónglì.

At the end of the year, the shareholders get a dividend.

我叔叔是这家银行的股东。

Wǒ shūshu shì zhè jiā yínháng de gǔdōng.

My uncle is a stockholder of this bank.

今年公司的分红很高。

Jīnnián gōngsī de fēnhóng hěn gāo.

The company's dividend is very high this year.

年底公司要给大家分红吗？

Niándǐ gōngsī yào gěi dàjiā fēnhóng ma?

Will the company award everyone a bonus at the end of the year?

今年我们会盈利的。

Jīnnián wǒmen huì yínglì de.

We'll be profitable this year.

投资股票的盈利要交税吗？

Tóuzī gǔpiào de yínglì yào jiāoshuì ma?

Do you have to pay tax on gains from investing in stocks?

亏本的生意我可不做。

Kuīběn de shēngyi wǒ kěbú zuò.

I won't do business that loses money.

他卖得太便宜，一定会亏本。

Tā mài de tài piányi, yídìng huì kuīběn.

He sells too cheaply, so he's bound to make a loss.

利息不高，但本金很安全。

Lìxī bù gāo, dàn běnjīn hěn ānquán.

The interest isn't high, but the principal is very safe.

这笔贷款的本金还剩多少？

Zhè bǐ dàikuǎn de běnjīn hái shèng duōshǎo?

How much of the principal on this loan is left?

他负债多年，终于还清了。

Tā fùzhài duōnián, zhōngyú huánqīngle.

He was in debt for years, but he has finally paid it all off.

银行今年又降低了房贷利率。

Yínháng jīnnián yòu jiàngdīle fángdài lìlǜ.

The bank lowered mortgage interest rates again this year.

每个月的房贷占了我一半工资。

Měige yuè de fángdài zhànle wǒ yíbàn gōngzī.

The mortgage takes up half of my salary every month.

能不能把还款时间延缓几天？

Néng bùnéng bǎ háikuǎn shíjiān yánhuǎn jǐtiān?

Could you put off the repayment date by a few days?

你愿意用车子做抵押吗？

Nǐ yuànyì yòng chēzi zuò dǐyā ma?

Are you willing to put up your car as collateral?

向银行借钱需要抵押吗？

Xiàng yínháng jièqián xūyào dǐyā ma?

Do you need to put up collateral to borrow money from a bank?

邻居说今年的养老金又涨了。

Línjū shuō jīnnián de yǎnglǎojīn yòu zhǎngle.

My neighbor said the pension went up again this year.

请问，我怎么查自己的养老金？

Qǐngwèn, wǒ zěnme chá zìjǐ de yǎnglǎojīn?

Excuse me, how can I check my pension?

随着通货膨胀的发展美元贬值了。

Suízhe tōnghuòpéngzhàng de fāzhǎn měiyuán biǎnzhíle.

The value of the dollar declines as the rate of inflation rises.

日元升值，去日本玩更贵了。

Rìyuán shēngzhí, qù Rìběn wán gèng guìle.

The yen has appreciated, so traveling in Japan has become more expensive.

美元升值了，留学生很担心。

Měiyuán shēngzhíle, liúxuéshēng hěn dānxīn.

The dollar has appreciated, and international students are worried.

钱放着不动，会慢慢贬值。

Qián fàngzhe bú dòng, huì mànmàn biǎnzhí.

Money left sitting idle will slowly depreciate.

好的画会随着时间增值。

Hǎo de huà huì suízhe shíjiān zēngzhí.

Good paintings increase in value over time.

老房子这几年一直在增值。

Lǎo fángzi zhè jǐnián yìzhí zài zēngzhí.

The old house has been appreciating in value these past few years.

身份证丢了怎么挂失？

Shēnfènzhèng diū le zěnme guàshī?

How do I report a lost ID card?

请帮我挂失这张银行卡。

Qǐng bāng wǒ guàshī zhè zhāng yínhángkǎ.

Please help me report this bank card as lost.

工资先放在活期里吧。

Gōngzī xiān fàng zài huóqī lǐ ba.

Let's keep your salary in the checking account for now.

我的钱都存的是活期。

Wǒ de qián dōu cún de shì huóqī.

All my money is in a current account.

银行拒绝了他们的融资。

Yínháng jùjuéle tāmen de róngzī.

The bank turned down their request for financing.

融资失败后，公司只好裁员。

Róngzī shībài hòu, gōngsī zhǐhǎo cáiyuán.

After the financing fell through, the company had to lay off staff.

同学们集资买了一份礼物。

Tóngxuémen jízī mǎile yífèn lǐwù.

The classmates pooled their money to buy a gift.

大家一起集资，钱够了吗？

Dàjiā yìqǐ jízī, qián gòu le ma?

Everyone's pooling money together, so is there enough now?

公民都应该依法纳税。

Gōngmín dōu yīnggāi yīfǎ nàshuì.

All citizens should pay taxes according to the law.

赚了钱，当然要纳税。

Zhuànle qián, dāngrán yào nàshuì.

If you make money, of course you have to pay taxes.

他诈骗了很多老人的钱。

Tā zhàpiànle hěn duō lǎorén de qián.

He defrauded many elderly people of their money.

网络诈骗让不少老人受害。

Wǎngluò zhàpiàn ràng bùshǎo lǎorén shòuhài.

Online fraud has harmed quite a few elderly people.

我家每月的开销不小。

Wǒjiā měiyuè de kāixiāo bù xiǎo.

My family's monthly expenses are not small.

房租是我最大的一笔开销。

Fángzū shì wǒ zuì dà de yì bǐ kāixiāo.

Rent is my biggest expense.

天天熬夜会透支你的健康。

Tiāntiān áoyè huì tòuzhī nǐ de jiànkāng.

Staying up late every night drains your health.

过度捕鱼会透支海洋的资源。

Guòdù bǔyú huì tòuzhī hǎiyáng de zīyuán.

Overfishing depletes the ocean's resources.

她想买下这家店的股份。

Tā xiǎng mǎixià zhè jiā diàn de gǔfèn.

She wants to buy a share in this shop.

老板把一部分股份卖给了别人。

Lǎobǎn bǎ yíbùfen gǔfèn mài gěi le biéren.

The boss sold part of his stock to someone else.

积分可以兑换成购物券。

Jīfēn kěyǐ duìhuàn chéng gòuwùquàn.

Points can be converted into shopping vouchers.

我姐姐在一家公司做审计工作。

Wǒ jiějie zài yìjiā gōngsī zuò shěnjì gōngzuò.

My older sister does auditing work at a company.

明年政府会审计所有的公共项目。

Míngnián zhèngfǔ huì shěnjì suǒyǒu de gōnggòng xiàngmù.

Next year the government will audit all public projects.

你想致富吗？

Nǐ xiǎng zhìfù ma?

Do you want to be rich?

她想通过努力工作致富。

Tā xiǎng tōngguò nǔlì gōngzuò zhìfù.

She wants to get rich through hard work.

小店最近周转很困难。

Xiǎodiàn zuìjìn zhōuzhuǎn hěn kùnnan.

The small shop has had serious cash flow difficulties lately.

能借我点钱周转一下吗？

Néng jiè wǒ diǎn qián zhōuzhuǎn yíxià ma?

Could you lend me some money to tide me over?

工资什么时候结算？

Gōngzī shénme shíhou jiésuàn?

When will the wages be settled?

服务员，我们想结算一下。

Fúwùyuán, wǒmen xiǎng jiésuàn yíxià.

Waiter, we'd like to settle the bill.

他浑身是债。

Tā húnshēn shì zhài.

He is up to his ears in debt.

这债她早晚要还的。

Zhè zhài tā zǎowǎn yào hái de.

She will pay for this.

他设法使收支平衡。

Tā shèfǎ shǐ shōuzhī pínghéng.

He managed to make both ends meet.

我每个月都记录家里的收支。

Wǒ měige yuè dōu jìlù jiālǐ de shōuzhī.

Every month I record my household's income and expenditure.

信贷紧缩让小公司很难借钱。

Xìndài jǐnsuō ràng xiǎo gōngsī hěn nán jièqián.

The credit tightening makes it hard for small companies to borrow money.

信贷太容易，人们就会花太多钱。

Xìndài tài róngyì, rénmen jiù huì huā tài duō qián.

When credit is too easy, people spend too much money.

他欠了银行一笔巨额贷款。

Tā qiànle yínháng yì bǐ jù'é dàikuǎn.

He owes the bank a huge loan.

修建这条铁路需要巨额资金。

Xiūjiàn zhè tiáo tiělù xūyào jù'é zījīn.

Building this railway requires an enormous amount of money.

新来的同事和我很投机。

Xīn lái de tóngshì hé wǒ hěn tóujī.

The new colleague and I really hit it off.

靠投机赚钱，风险非常大。

Kào tóujī zhuànqián, fēngxiǎn fēicháng dà.

Making money by speculating is very risky.

你应该去税务部门问一问。

Nǐ yīnggāi qù shuìwù bùmén wèn yí wèn.

You should go ask the tax authorities.

我哥哥在一家公司负责税务工作。

Wǒ gēge zài yìjiā gōngsī fùzé shuìwù gōngzuò.

My older brother is in charge of tax work at a company.

你今年的社保缴纳了吗？

Nǐ jīnnián de shèbǎo jiǎonàle ma?

Have you paid your social insurance for this year?

请到窗口缴纳这笔费用。

Qǐng dào chuāngkǒu jiǎonà zhè bǐ fèiyòng.

Please go to the counter to pay this fee.

你有财力开饭馆吗？

Nǐ yǒu cáilì kāi fànguǎn ma?

Do you have the financial resources to open a restaurant?

他没有那么多财力办婚礼。

Tā méiyǒu nàme duō cáilì bàn hūnlǐ.

He doesn't have the money to hold a big wedding.

他还没偿还银行的钱。

Tā hái méi chánghuán yínháng de qián.

He hasn't yet repaid the bank.

我下个月就偿还你的钱。

Wǒ xiàgeyuè jiù chánghuán nǐ de qián.

I'll pay back your money next month.

他想出资开一家小饭店。

Tā xiǎng chūzī kāi yìjiā xiǎo fàndiàn.

He wants to put up money to open a small restaurant.

你愿意出资一起做生意吗？

Nǐ yuànyì chūzī yìqǐ zuòshēngyì ma?

Would you be willing to invest and do business together?

天太冷，湖面都冻结了。

Tiān tài lěng, hú miàn dōu dòngjiéle.

It was so cold that the whole surface of the lake froze.

我将建筑称作被冻结的音乐。

Wǒ jiāng jiànzhù chēngzuò bèi dòngjié de yīnyuè.

I call architecture frozen music.

我不想发财。

Wǒ bùxiǎng fācái.

I don't want to be rich.

他做生意十年，终于发财了。

Tā zuòshēngyì shínián, zhōngyú fācáile.

After ten years in business, he finally got rich.