节目简介｜Episode Description｜エピソード紹介

中国的信用卡数量在减少，但借钱并没有消失。现在，分期、先用后付和网上贷款越来越常见。这期节目聊聊现在中国人为什么借钱，以及经济和就业压力下，借贷为什么可能变成负担。

Credit cards are declining in China, but borrowing is not. Installment payments, buy-now-pay-later services, and online loans are increasingly common. This episode looks at why people borrow in China today and how debt can become a burden when income or employment becomes unstable.

中国ではクレジットカードの数が減っていますが、借り入れ自体がなくなったわけではありません。分割払い、後払い、オンライン融資が身近になる中、今回は人々がなぜお金を借りるのか、そして経済や雇用の不安定さが返済の負担につながる理由について話します。

生词表｜Vocabulary

1. 睡眠卡 shuìmiánkǎ — a bank card that has not been used for a long time
2. 门槛 ménkǎn — how difficult it is to qualify for or access something
3. 贷款 dàikuǎn — money borrowed from a bank or financial company
4. 审核 shěnhé — to review and approve an application
5. 借贷 jièdài — borrowing and lending money
6. 先用后付 xiān yòng hòu fù — get or use something now and pay later
7. 分期 fēnqī — pay for something in several smaller payments over time
8. 提前消费 tíqián xiāofèi — spend money now before you have fully earned or saved it
9. 大件儿 dàjiànr — an expensive or relatively large purchase
10. 负担 fùdān — something that creates financial or other pressure
11. 周转 zhōuzhuǎn — use money temporarily to cover short-term expenses
12. 手头紧 shǒutóu jǐn — not have much money available right now
13. 拆东墙补西墙 chāi dōng qiáng bǔ xī qiáng — borrow or take money from one place to cover what you owe somewhere else
14. 债务 zhàiwù — money that you owe
15. 量入为出 liàng rù wéi chū — spend according to how much money you earn

#借贷 #loan#网上借贷 #OnlineBorrowing #消费贷款 #ConsumerLoans #分期付款 #InstallmentPayments #先用后付 #BuyNowPayLater #信用卡 #CreditCards

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Due to space constraints, the transcript is available on my podcast website https://5minutechinese.buzzsprout.com (免费文稿 Free Transcript Available)

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#五分钟中文 #中文播客 #ChinesePodcast #LearnChinese #ChineseListening #中文听力 #中文练习 #中国語 #中国語リスニング #中国語聴解 #中国語学習 #中国語検定 #HSK5 #HSK6 #HSK #中国語上級 #汉语水平考试 #中級中国語 #上級中国語 #中国事情 #汉语学习 #中文学习 #中国文化 #中级汉语 #高级汉语 #自然中文 #AdvancedChinese #IntermediateChinese