finances
finances — 名詞
1. The money that a person, company, or organization owns and is able to spend or s
財源；資金
個人或機構可動用的錢
The money that a person, company, or organization owns and is able to spend or save.
Diego checked his finances before agreeing to buy the car.
Diego 在同意買車之前檢查了自己的財務狀況。
collocation: check one's finances
The charity's finances are managed by a team of accountants.
該慈善機構的資金由一個會計團隊管理。
passive: finances are managed
Noor took a second job to improve her family's finances.
Noor 為了改善家庭財務狀況而兼職了第二份工作。
A sudden medical bill put a strain on the Okonkwo family's finances.
一筆突如其來的醫療費用讓 Okonkwo 家的財務變得吃緊。
The school's finances depend partly on donations from former students.
該學校的資金部分依賴於校友的捐款。
- debts
money owed rather than money owned
文法句型
someone's + finances
the + noun + 's + finances
用法筆記
Usually used in the plural form and often with a possessive (my finances, the company's finances). Rarely appears in singular.
常見錯誤
2. The set of activities, institutions, and systems through which money, credit, an
金融體系
貨幣流通、信貸、投資與銀行業務的系統
The set of activities, institutions, and systems through which money, credit, and investments move within an economy.
The global finance system was shaken by the collapse of several large banks.
幾家大型銀行倒閉後，全球金融體系受到了動盪。
collocation: global finance system
Changes in finance regulations affect how easily people can borrow money.
金融法規的變化會影響民眾借款的難易程度。
collocation: finance regulations
Mariana works in corporate finance and helps companies raise money for big projects.
Mariana 從事企業金融工作，協助公司為大型專案籌集資金。
International finance connects stock markets in cities like Tokyo, London, and New York.
國際金融將東京、倫敦和紐約等城市的股市聯繫在一起。
- banking
more specific; refers to the business of banks rather than the whole system
- financial services
a broader term that includes insurance, investments, and advisory services
文法句型
the + finance + industry/system/sector
用法筆記
In this sense 'finance' is uncountable and singular. Distinguish from noun sense 1 (finances = available money) which is always plural.
3. The academic subject that examines how money, investments, and financial markets
金融學
研究資金管理與金融市場的學科
The academic subject that examines how money, investments, and financial markets operate.
Kiran decided to study finance at university because she wanted to work in banking.
Kiran 決定在大學攻讀金融，因為她想從事銀行業。
Ananya is writing a paper on finance for her economics class.
Ananya 正在為她的經濟學課寫一篇關於金融的報告。
Tomoki completed a degree in finance and now works as an investment analyst.
Tomoki 獲得了金融學位，現在是一名投資分析師。
The professor's research in finance focuses on how people save for retirement.
這位教授的金融研究重點是人們如何為退休儲蓄。
Many business schools offer courses that combine finance with accounting.
許多商學院開設結合金融與會計的課程。
A strong background in finance can help you understand stock market trends.
紮實的金融背景可以幫助你理解股市趨勢。
- financial economics
more academic and narrower in scope
- economics
broader subject that includes finance but also covers production, trade, and consumption
文法句型
study + finance
degree in + finance
用法筆記
In this sense 'finance' is uncountable and used without an article. Often paired with 'study', 'degree in', or 'course in'.
常見錯誤
4. The process of arranging or providing the money needed to pay for something, suc
融資
為特定項目或購買籌措所需資金的過程
The process of arranging or providing the money needed to pay for something, such as a project, a purchase, or a business.
The company secured finance for its new factory through a bank loan.
該公司透過銀行貸款為其新工廠取得了融資。
collocation: secure finance
Yusra's start-up is looking for finance to expand into other cities.
Yusra 的新創公司正在尋找融資以擴展到其他城市。
collocation: look for finance
The hospital needs additional finance to buy new medical equipment.
該醫院需要額外融資來購買新的醫療設備。
Most car dealers offer finance options that let you pay over several years.
大多數汽車經銷商提供融資方案，讓你可以分多年付款。
Linnea arranged short-term finance to cover her tuition fees.
Linnea 安排了短期融資來支付她的學費。
文法句型
arrange + finance for + something
provide + finance
用法筆記
In this sense 'finance' is uncountable and often used with verbs like 'arrange', 'secure', 'provide', or 'obtain'. More formal than 'funding'.
finances — 動詞
1. To provide the money that is needed to pay for a project, activity, or purchase.
資助；提供資金
為某項活動或計畫支付所需費用
To provide the money that is needed to pay for a project, activity, or purchase.
The city government agreed to finance the construction of a new public library.
市政府同意出資興建一座新的公共圖書館。
transitive: finance + [project]
Carlos financed his university studies by working part-time at a restaurant.
Carlos 靠在一家餐廳兼職打工來支付大學學費。
The research project was financed by a grant from the national science foundation.
該研究計畫由國家科學基金會的補助金資助。
A group of local businesses helped finance the town's summer music festival.
一群本地企業共同出資舉辦了鎮上的夏日音樂節。
The Okonkwo family saved for years to finance their daughter's wedding.
Okonkwo 家攢了好幾年的錢來籌辦女兒的婚禮。
文法句型
finance + something
be + financed + by + someone
用法筆記
Subject can be a person, company, or institution providing money. The object is typically a project, activity, or large purchase.
常見錯誤
2. To allow a customer to receive goods or services immediately and pay for them in
賒售
允許客戶分期付款購買商品
To allow a customer to receive goods or services immediately and pay for them in instalments over an agreed period.
The furniture store offered to finance the couple for the new sofa over twelve months.
這家家具店願意讓這對夫婦賒購新沙發，分十二個月付款。
pattern: finance + [person] + for + [goods]
Some car dealers will finance customers who cannot pay the full price at once.
有些汽車經銷商會讓無法一次付清全款的客戶以分期方式購買。
The electronics shop financed Linnea for a new laptop with no interest for six months.
這家電子產品店讓 Linnea 分期購買新筆電，六個月內免利息。
Many bicycle shops in London finance buyers, spreading the cost over several months.
倫敦的許多自行車行讓買家分期付款，將費用分攤到幾個月。
The appliance company refused to finance him because he had a poor credit history.
那家電器公司因他的信用紀錄不良而拒絕讓他賒購。
- offer credit to
more transparent and commonly used
- sell on credit to
describes the arrangement more directly
文法句型
finance + someone + for + something
用法筆記
Less common than 'sell on credit' or 'offer financing'. The direct object is the person receiving credit, not the goods. The goods are introduced with 'for'.