(zhài): debt, CL:筆|笔[bi3]

(zhài) is a Chinese character meaning “debt.” Classified as HSK Level 7-9 (HSK 3.0 Standard, CLEC 2022), it is composed of (structural) and (structural). It ranks #1218 in character frequency (SUBTLEX-CH corpus).

Etymologically derived, a person's 亻 duty 责; 责 also provides the pronunciation. Its radical form (person) appears in many related characters such as (rén, person), (shén, what), (jīn, now).

Native pronunciation

Definitions

  1. debt
  2. Classifier: 筆|笔[bi3]

Etymology & Origin

ideographicA person's 亻 duty 责; 责 also provides the pronunciation

Decomposition: ⿰亻责 (layout: left-right)

Stroke Order

1
2
3
4
5
6
7
8
9
10

Practice writing with real-time feedback — trace each stroke in the correct order and build muscle memory in the HanziFeed app.

Words & Compounds

Common Compounds

WordPinyinMeaning
zhài wùdebt
zhài quànbond
huán zhàito settle a debt
xuè zhàidebt of blood (after killing sb)
qiàn zhàito owe a debt
fù zhàito be in debt
zhài zhǔcreditor
fù zhài lěi lěideep in debt
tǎo zhàito demand repayment
fàng zhàito lend money (for interest)
gōng zhàigovernment bond
zhài kuǎndebt
rén qíng zhàidebt of gratitude
zhài quán réncreditor
zhài tái gāo zhùlit. build a high desk of debt (idiom)
60
Total compounds
23
As first character
57
As last character
20
As middle character

appears in 60 compound words: 23 as the first character, 57 as the last, and 20 in a middle position. Compound statistics computed from SUBTLEX-CH and HSK 3.0 vocabulary data.

Strongest Collocations

Characters that most frequently co-occur with in natural Chinese text, ranked by NPMI (Normalized Pointwise Mutual Information) — a statistical measure of association strength.

quàn
0.65212,118 co-occurrences
0.62135,118 co-occurrences
é
0.61312,000 co-occurrences
cháng
0.5833,516 co-occurrences
qiàn
0.5061,966 co-occurrences
0.5006,885 co-occurrences
zǒng
0.47611,430 co-occurrences
quán
0.4706,282 co-occurrences
dāng
0.46410,560 co-occurrences
0.452444 co-occurrences

Idioms & Chengyu (5)

fùzhài lěilěiHSK 7+

to be deep in debt; to be debt-ridden

phrase
liúdòng fùzhàiHSK 7+

current liability

noun
xuèzhàilěilěiHSK 7+

to have heavy blood debts

phrase
xuèzhàixuèchángHSK 7+

Debts of blood must be paid in blood. / Blood must atone for blood.

phrase
zhàitáigāozhùHSK 7+

be up to one's eyeballs in debt; racked with debt

phrase

Example Sentences

AI-Generated

他欠了很多务,每天都在为还钱而发愁。

Tā qiàn le hěn duō zhàiwù, měitiān dōu zài wèi huán qián ér fāchóu.

He owes a lot of debt and worries about paying it back every day.

UdnnewsindexFeb 2026

...信首档ETF‘00988B 玉山严选非投ETF’3/2正式募集

. . . xìn shǒu dàng E T F 0 0 9 8 8 B yù shān yán xuǎn fēi tóu zhài E T F 3 2 zhèng shì mù jí

... Xin's first ETF '00988B Yushan Yanxuan Non-investment Bond ETF'3/2 was officially raised

InvestingFeb 2026

沃达丰宣布赎回2028年到期美元

wò dá fēng xuān bù shú huí 2 0 2 8 nián dào qī měi yuán zhài quàn

Vodafone announced the redemption of US dollar bonds due 2028

Yahoo FinanceFeb 2026

花样年境外重组 终获权人批准

huā yàng nián jìng wài zhài chóng zǔ zhōng huò zhài quán rén pī zhǔn

Fantasia's overseas debt restructuring was finally approved by creditors

東森新聞Feb 2026

被欠钱“拖过年” 女撂男友讨砍前任一家三代

bèi qiàn qián tuō guò nián nǚ 撂 nán yǒu tǎo zhài kǎn qián rèn yī jiā sān dài

Being owed money "dragged on for the New Year" The woman abandoned her boyfriend to collect debts and cut off three generations of her ex's family

百度新闻Feb 2026

韩国3年期公司收益率上涨3.00个基点至3.73..

hán guó nián qī gōng sī zhài shōu yì lǜ shǎng zhǎng . gě jī diǎn zhì . . .

South Korea's 3-year corporate bond yield rose 3.00 basis points to 3.73...

Tatoeba

每个月还清信用卡负很重要。

Měi gè yuè huánqīng xìnyòngkǎ fùzhài hěn zhòngyào.

It makes sense to pay off your credit card balance every month.

Tatoeba

你只需要喊他还就行。

Nǐ zhǐ xūyào hǎn tā huánzhài jiù xíng.

All you have to do is ask him to pay the debt.

Tatoeba

有些人负累累。

Yǒuxiērén fùzhàilěilěi.

There are people drowning in debt.

Character Family

Homophones — Characters pronounced zhài

Frequently Asked Questions

What does 债 (zhài) mean in Chinese?
债 (zhài) primarily means "debt." It is classified as HSK Level 7-9, making it an expert-level character. It ranks #1218 in character frequency.
How many strokes does 债 have?
债 is written with 10 strokes. The correct stroke order matters for recognition and handwriting speed — practice with the animated guide above to build proper technique.
What is the radical of 债?
The radical associated with 债 is 亻 (person). This radical appears in many characters related to person.
What are the components of 债?
债 is composed of: 亻 (structural), 责 (structural). Its IDS decomposition is ⿰亻责 with a left-right layout. Understanding the components helps with both memorization and recognizing related characters.
What are common words containing 债?
Common words with 债 include: 债务 (zhài wù, "debt"); 债券 (zhài quàn, "bond"); 还债 (huán zhài, "to settle a debt"); 血债 (xuè zhài, "debt of blood (after killing sb)"); 欠债 (qiàn zhài, "to owe a debt"). There are over 60 compound words containing this character.
What characters sound the same as 债 (zhài)?
Several characters share the pronunciation zhài: 摘 (to take), 宅 (residence), 窄 (narrow), 寨 (stockade). Context and tones help distinguish between them in speech and writing.
Is 债 the same in simplified and traditional Chinese?
No. The simplified form is 债 and the traditional form is 債.

Practice writing with real-time feedback

Trace stroke sequences, hear native pronunciation, and build lasting retention with spaced repetition in the HanziFeed app.

Character data sourced from Unihan (Unicode Consortium), SUBTLEX-CH frequency corpus (Cai & Brysbaert, 2010), and Make Me a Hanzi (stroke data). Collocation strength measured via NPMI (Normalized Pointwise Mutual Information). Verified by the HanziFeed linguistics team.

HSK classification follows the HSK 3.0 Standard (Center for Language Education and Cooperation, CLEC, 2022 revision). Idiom data from Wiktionary (CC BY-SA 3.0).

Data last verified: March 2026.