When combined, 利息 (lìxī) literally translates to “profit-breath” or “benefit from resting.” It beautifully captures the idea of money generating more money (a benefit/profit) while it sits idle (rests).
While the financial definition of 利息 (lìxī) is nearly identical to the English “interest,” its cultural weight is different, largely due to China's traditionally high savings rate. For generations, thrift and saving for the future (for education, property, retirement, or emergencies) have been deeply ingrained cultural values. Consequently, for many Chinese families, 存款利息 (cúnkuǎn lìxī)—interest earned on savings deposits—is a significant and closely watched aspect of household finance. It represents a tangible reward for prudence and patience. In contrast, while saving is also valued in the West, consumer credit culture is often more dominant. An American might be more likely to think of the 利息 on their credit card or mortgage first. In China, while consumer debt is rapidly increasing, the foundational cultural mindset of saving to earn 利息 remains a powerful force. Understanding this helps explain the national focus on savings rates and investment returns.
利息 (lìxī) is a common and essential word used in a wide range of formal and informal contexts.