当座貸越
解説 Definition
overdrafts は overdraft（当座貸越）の複数形で、銀行口座の残高を超える引き出しや、それによって生じる借入金、その仕組みを指します。
Overdrafts are situations or bank arrangements that let you spend more money than you have in your account, usually up to a set limit. The word is common in banking and personal finance. Overdrafts often involve fees or interest, so the term often appears in account information and warnings.
使い方 Usage
使い分け Common distinctions
- withdraw はお金を引き出すこと、overdraw は口座残高を超えて引き出すことです。overdraw に対応する名詞が overdraft です。 Withdraw means to take money out; overdraw means to draw more than the account balance. The corresponding noun is overdraft.
覚え方のコツ Memory Tip
over「超えて」＋ draft「引き出し」から、口座の残高を超えて引き出すイメージで覚えましょう。動作を表す overdraw と、結果や仕組みを表す overdraft を組にすると整理できます。
Think of over plus draft as drawing more than is in the account. Pair the verb overdraw with the noun overdraft, which names the result or bank arrangement.
例文
The bank charges steep fees for overdrafts on current accounts.
その銀行は当座預金口座の当座貸越に高額の手数料を課しています。
He was unaware of his overdrafts until he received a warning letter from the bank.
彼は銀行から警告の手紙を受け取るまで、自分の当座貸越に気づいていませんでした。
overdrafts の類義語・関連語
派生語
overdrafts の語源・成り立ち Etymology
over-（超えて）とdraft（引き出し）の合成語。draftは古英語dragan（引く）に由来し、銀行口座からお金を引き出す意味に発展した。残高を「超えて引き出す」のが当座貸越。関連語：draft（草稿・為替手形）、withdraw（引き出す）。
Overdraft is made from "over" and "draft." "Draft" comes from an old Germanic root meaning "draw" or "pull," the same source seen in "draw" and "withdraw." In banking, it came to mean drawing out money, so an "overdraft" is literally drawing out more than the account holds.
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