Meaning & readings

bond, loan, debt

On’yomi サイ

Origin

The character 債 combines a person radical on the left, which marks this as relating to human affairs or relationships, with the component 責 on the right that serves as a sound hint—telling you roughly how to pronounce the character rather than adding to its meaning. The core idea of debt or obligation emerges from the concept of a person bound by a responsibility or owing something to another. Over time, this expanded to include loans and financial bonds, all situations where one person is obligated to another. The structure makes sense: a person plus a sound indicator creates a character for interpersonal financial obligations.

債 13 strokes

Components

  • 亻 radical left
  • 責 sound hint right

A sound hint component points at the character’s pronunciation, not its meaning — don’t read a meaning into it.

Common words

  • 起債 きさい issuing of bonds
  • 公債 こうさい public debt; public bond
  • 国債 こくさい national debt; national securities
  • 債券 さいけん bond; debenture
  • 債権 さいけん credit; claim
  • 債務 さいむ debt; liabilities
  • 社債 しゃさい corporate bond; corporate debenture
  • 負債 ふさい debt; liabilities

Easily confused with

These look alike but are unrelated in meaning — check the stroke that differs.

Reference

Strokes
13
Kangxi radical
9
Formation type
Phono-semantic (meaning + sound hint)
Grade
Jōyō (secondary school)
Frequency rank
#728 (newspapers)
Former JLPT
level 1
Unicode
U+050B5