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March 24, 2026
储蓄(儲蓄)chǔxù(chu3xu4)
储蓄 (chǔ xù) refers to the act of saving money, typically in a bank account, for future use. This term is commonly used in financial contexts, emphasizing the importance of saving for emergencies or future expenses. It often implies a disciplined approach to managing finances.
Frequency#11570DifficultyHard
Cultural Note
In Chinese culture, saving money is highly valued, often symbolizing financial prudence and security for the future. Many families emphasize the importance of 储蓄, especially in the context of preparing for children's education or retirement.
Memory Tip
Think of '储' (chǔ) as a treasure chest where you '蓄' (xù) your wealth. Imagine saving shiny coins in a chest, and the sound of coins clinking reinforces the idea of saving money.
Meanings of 储蓄
chǔxù(chu3xu4)
1to deposit money
2to save
Exercise 1 of 2
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About 储蓄
储蓄Simplified
儲蓄Traditional
—Strokes
—Radical
名词míngcínoun (n.)Part of Speech
#11570Frequency Rank
HSK 2.0L6HSK 3.0L6AdvancedTOCFLL5BCT✓CEFRC2
Podcast: 储蓄
Podcast: 储蓄
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AI Study Notes for 储蓄
Quick Contrast
存款 (cún kuǎn) refers specifically to the act of depositing money into a bank account, while 储蓄 (chǔ xù) emphasizes the broader concept of saving money for future use.
Memory Mnemonic
Think of '储' (chǔ) as a treasure chest where you '蓄' (xù) your wealth. Imagine saving shiny coins in a chest, and the sound of coins clinking reinforces the idea of saving money.
Usage Notes
Be mindful that '储蓄' is used in formal contexts, such as banking or financial discussions. A common mistake is confusing it with '消费' (xiāofèi), which means consumption; remember that储蓄 focuses on saving, not spending. It commonly collocates with '账户' (zhànghù - account) and '利息' (lìxī - interest).
HSK Study Tips
As an HSK 6 word, '储蓄' connects with other financial terms like '投资' (tóuzī - investment) and '贷款' (dàikuǎn - loan). Students should focus on its usage in sentences related to personal finance and practice differentiating it from related terms.
Cultural Note
In Chinese culture, saving money is highly valued, often symbolizing financial prudence and security for the future. Many families emphasize the importance of 储蓄, especially in the context of preparing for children's education or retirement.
Common Mistakes
Learners sometimes confuse 储蓄 with the verb '储存' (chǔcún), which means to store something. For example, saying '我储存钱' is incorrect; it should be '我储蓄钱'.
AI-enhanced 2026-03-24
Pronunciation of 储蓄
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Grammar Patterns of 储蓄
储蓄 functions as a noun — it names a person, place, thing, or concept. Place it as a subject before the verb (主+谓) or as an object after the verb (谓+宾). Most Chinese nouns require a measure word between the number and the noun (e.g. 一个/三本). It carries 3 related meanings, each with its own usage notes below. The example sentences below show it in action, with practice buttons (Listen, Practice Writing, Practice Speaking) on every line.
Exercise 1 of 4
Complete the Sentence
____方案是现有的最佳零售投资产品。
Savings schemes are the best retail investment products on offer.
If sixpences are not exchanged for sweets, they rattle for months inside money - boxes.
5
她的钱存在邮政储蓄银行里。
tā de qián cún zài yóu zhèng chǔ xù yín háng lǐ。
Her savings were in the Post Office Savings Bank.
6
我的钱存在一家储蓄银行里.
wǒ de qián cún zài yī jiā chǔ xù yín háng lǐ.
I keep my money in a savings bank.
7
他骗去了这可怜的妇人的储蓄.
tā piàn qù le zhè kě lián de fù rén de chǔ xù.
He jockeyed the poor woman out of her savings.
8
他把他的储蓄骗走了.
tā bǎ tā de chǔ xù piàn zǒu le.
He hustled him out of his savings.
9
他被骗子骗走了毕生的储蓄.
tā bèi piàn zǐ piàn zǒu le bì shēng de chǔ xù.
He was mulcted of his life savings by a swindler.
Cultural Notes for 储蓄
🏮Cultural insight
In Chinese culture, saving money is highly valued, often symbolizing financial prudence and security for the future. Many families emphasize the importance of 储蓄, especially in the context of preparing for children's education or retirement.
Frequently Asked Questions about 储蓄
储蓄 refers specifically to the act of saving money while 存款 generally means deposits in a bank that can include savings and other types of accounts.
It is typically used in formal or financial contexts; for casual discussions about saving, you might use a phrase like '存钱' (cúnqián).
You can say '我每个月都要储蓄一些钱' (I save some money every month) to illustrate its practical use.
