Published by: Chinese080808
Companion grammar guide found here.

汉字 Pinyin English
(Edward) (Google Translate) (Edward)
妈，开始工作以后，我就要买汽车。 Mā, kāishǐ gōngzuò yǐhòu, wǒ jiù yāomǎi qìchē. Mum, after starting work, I want to buy a car.
什么？你现在还没开始工作，就想买汽车？真不知道你每天都在想些什么。 Shénme? Nǐ xiànzài hái méi kāishǐ gōngzuò, jiù xiǎng mǎi qìchē? Zhēn bù zhīdào nǐ měitiān doū zài xiǎng xiē shénme. What? You haven’t even started working yet, and you’re thinking of buying a car? Really don’t know what you are thinking of everyday.
这跟工作没关系。 Zhè gēn gōngzuò méiguānxì. This is related to work.
怎么没关系？年轻人骑着自行车上班，不是挺好的吗？既锻炼了身体，又节约了钱。你爸爸一辈子都这样。为什么你就不能向你爸爸学习呢？ Zěnme méiguānxì? Niánqīng rén qízhe zìxíngchē shàngbān, bùshì tǐng hǎo de ma? Jì duànliànle shēntǐ, yòu jiéyuēle qián. Nǐ bàba yībèizi dōu zhèyàng. Wèishéme nǐ jiù bùnéng xiàng nǐ bàba xuéxí ne? How is it related? Young people cycling to work, isn’t this good? Both physical exercise and saves money. Your father has done this all his life. Why can’t you learn from your father?
都二十一世纪了，还骑自行车上班！自己开车多方便，我想去哪儿就去哪儿！再说，开车最少比骑车快一倍，可以节约二分之一的时间。您知道吗？时间就是生命，时间就是金钱。 Dōu èrshíyī shìjìle, hái qí zìxíngchē shàngbān! Zìjǐ kāichē duō fāngbiàn, wǒ xiǎng qù nǎr jiù qù nǎr! Zàishuō, kāichē zuìshǎo bǐ qí chē kuài yī bèi, kěyǐ jiéyuē èr fēn zhī yī de shíjiān. Nín zhīdào ma? Shíjiān jiùshì shēngmìng, shíjiān jiùshì jīnqián. Already the 21st centure already, and still cycling to work! Having one’s own car is more convenient, wherever I want to go I can just go! Furthermore, driving is at least twice as fast as cycling, so can save half the time. Time is life, time is money.
就是二十一世纪，生活也得艰苦朴素，也得勤俭过日子。 Jiùshì èrshíyī shìjì, shēnghuó yě děi jiānkǔ púsù, yě děi qínjiǎn guòrìzi. Even if it’s the 21st centure, one should still live plain and simply, and also live frugally.
大家都艰苦朴素，国家生产的汽车怎么办？都让它们在那儿摆着？经济怎么发展？ Dàjiā dōu jiānkǔ púsù, guójiā shēngchǎn de qìchē zěnme bàn? Dōu ràng tāmen zài nàr bǎizhe? Jīngjì zěnme fāzhǎn? If everyone lives plain and simply, then why does the country produce cars? Just to put them on show? How would the economy develop?
买汽车是有钱人的事儿。我和你爸爸都没钱，你什么时候挣够了钱，什么时候再买汽车。 Mǎi qìchē shì yǒu qián rén de shìr. Wǒ hé nǐ bàba dōu méi qián, nǐ shénme shíhou zhēng gòule qián, shénme shíhou zài mǎi qìchē. Buying a car is for rich people. Me and your father don’t have any money, when you have earned money, you can then buy a car.
您别管，我自己会想办法。 Nín biéguǎn, wǒ zìjǐ huì xiǎng bànfǎ. Don’t you worry, I have my own ways and means.
你还能想出什么办法来？告诉你，你可别想着我们的那点儿钱啊。那是我和你爸爸一辈子的积蓄。 Nǐ hái néng xiǎng chū shénme bànfǎ lái? Gàosu nǐ, nǐ kě bié xiǎngzhe wǒmen de nà diǎnr qián a. Nà shì wǒ hé nǐ bàba yībèizi de jīxù. What ways and means have you been thinking of? Let me tell you, you better not be thinking of our money. That’s savings me and your father have put aside.
您放心吧，您的钱我一分也不要。我想好了，等我工作以后，我就去向银行贷款。 Nín fàngxīn ba, nín de qián wǒ yī fēn yě bùyào. Wǒ xiǎng hǎole, děng wǒ gōngzuò yǐhòu, wǒ jiù qùxiàng yínháng dàikuǎn. Relax, I don’t want even one cent of your money. I’ve figured it out, after I have started working, I’ll just get a loan from the bank.
贷款买车，你疯了！ Dàikuǎn mǎi chē, nǐ fēngle! Getting a loan to buy a car, you’re crazy!
妈，现在贷款买车的人越来越多了。 Mā, xiànzài dàikuǎn mǎi chē de rén yuè lái yuè duōle. Mum, nowadays more and more people are taking out a loan to buy a car.
（重复） (Chóngfù) (Repeat)
贷款不就是借债吗？你为买车借债？这就是你的想的好办法？ Dàikuǎn bù jiùshì jièzhài ma? Nǐ wèi mǎi chē jièzhài? Zhè jiùshì nǐ de xiǎng de hǎo bànfǎ? Isn’t getting a loan just borrowing money? Why do you want to borrow money to buy a car? This is your bright idea?
对啊！ Duì a! Correct!
我告诉你，不行！绝对不行！ Wǒ gàosu nǐ, bùxíng! Juéduì bùxíng! I’ll tell you, no way! Absolultely no way!
为什么不行呢？ Wèishéme bùxíng ne? Why no way?
我这一辈子一次债都没有借过。就是过去困难的时候没钱买米，我也不借债。你不能给我丢人。 Wǒ zhè yībèizi yīcì zhài dōu méiyǒu jièguò. Jiùshì guòqù kùnnán de shíhou méi qián mǎi mǐ, wǒ yě bù jièzhài. Nǐ bùnéng gěi wǒ diūrén. My entire life not once have I been in debt. Even in the hard times when there was no money to buy rice, I still didn’t borrow money. You cannot make me lose face.
我向银行贷款，按时还钱,这怎么是丢人呢？ Wǒ xiàng yínháng dàikuǎn, ànshí hái qián, zhè zěnme shì diūrén ne? If I get a loan from the bank, and repay it on time, how is this losing face?
你都借钱过日子，还不丢人？再说，银行怎么会借给你钱？ Nǐ dōu jiè qián guòrìzi, hái bù diūrén? Zàishuō, yínháng zěnme huì jiè gěi nǐ qián? You borrow money to live, and still don’t lose face? Whatsmore, why would the bank lend you money?
这您就不了解了。你以为谁想借银行的钱谁就能借到？银行的钱只借给两种人…… Zhè nín jiù bù liǎojiěle. Nǐ yǐwéi sheí xiǎng jiè yínháng de qián sheí jiù néng jiè dào? Yínháng de qián zhǐ jiè gěi liǎng zhǒng rén…… You just don’t understand. Do you think that whoever wants to borrow money from the bank can simply borrow money? The bank’s money is only lent to two types of people…
哪两种人？ Nǎ liǎng zhǒng rén? Which two types of people?
一种是有钱人…… Yī zhǒng shì yǒu qián rén…… One type is rich people…
你说什么？有钱人还借债？ Nǐ shuō shénme? Yǒu qián rén hái jièzhài? You said what? Rich people still need to borrow money?
对，另一种是有信用的人。 Duì, lìng yī zhǒng shì yǒu xìnyòng de rén. Yes, the other type are people with credit.
你不能算第一种人吧？ Nǐ bùnéng suàn dì yī zhǒng rén ba? You cannot be considered as the first type of person, right?
对，我不是第一种人，可我是第二种人。 Duì, wǒ bùshì dì yī zhǒng rén, kě wǒ shì dì èr zhǒng rén. Right, I’m not the first type of person, but I am the second type of person.
你有“信用”？你的“信用”在哪儿？ Nǐ yǒu “xìnyòng”? Nǐ de “xìnyòng” zài nǎr? You have “credit”? Where is your “credit”?
您听我说，我工作以后，有了稳定的收入，这就开始有了信用。我先付车款的十分之一或者五分之一，其余的向银行贷款。汽车我先开着，贷款我慢慢的还着。每年还百分之十或二十，几年以后，我把钱还完了，车就是我的了。我先借了钱，又按时还了钱，我的信用也就越来越高了。那时候，我又该换新车了。我再向银行借更多的钱，买更好的车。我不但要借钱买车，而且还要借钱买房子，借钱去旅游，借钱去…… Nín tīng wǒ shuō, wǒ gōngzuò yǐhòu, yǒule wěndìng de shōurù, zhè jiù kāishǐ yǒule xìnyòng. Wǒ xiān fù chē kuǎn de shí fēn zhī yī huòzhě wǔ fēn zhī yī, qíyú de xiàng yínháng dàikuǎn. Qìchē wǒ xiān kāizhe, dàikuǎn wǒ màn man de huánzhe. Měinián huán bǎi fēn zhī shí huò èrshí, jǐ nián yǐhòu, wǒ bǎ qián huán wánle, chē jiùshì wǒ dele. Wǒ xiān jièle qián, yòu ànshí huánle qián, wǒ de xìnyòng yě jiù yuè lái yuè gāole. Nà shíhou, wǒ yòu gāi huàn xīnchēle. Wǒ zài xiàng yínháng jiè gèng duō de qián, mǎi gèng hǎo de chē. Wǒ bùdàn yào jiè qián mǎi chē, érqiě hái yào jiè qián mǎi fángzi, jiè qián qù lǚyóu, jiè qián qù…… You listen to me, after I am working, and have a stable income, this is the start of having credit. I’ll pay the first ten or twenty percent of the car amount, and the remainder will come from a bank loan. I’ll be driving the car, and slowly pay off the loan. Every year repay ten or twenty percent, after a few years I will have finished repaying the money, and the car will be mine. First I borrow money, then repay it on time, and my credit will also get higher and higher. Then, I should change to a new car. I’ll borrow more money from the bank again, to buy a much better car. I’ll not only borrow money to buy a car, but also borrow money to buy a house, borrow money to travel, borrow money to go…
这叫提高信用啊？我看，你在说梦话。 Zhè jiào tígāo xìnyòng a? Wǒ kàn, nǐ zài shuō mènghuà. This is called improving credit? From my point of view, this is delusional.
您不知道，在商品经济时代，信用就是这样建立的，跟您这么说吧，一辈子不借钱的人…… Nín bù zhīdào, zài shāngpǐn jīngjì shídài, xìnyòng jiùshì zhèyàng jiànlì de, gēn nín zhème shuō ba, yībèizi bù jiè qián de rén…… You don’t understand, this is the era of the goods economy, and credit is its foundation, let me tell you, the person who goes through life without borrowing money…
我认为他最有信用！ Wǒ rènwéi tā zuì yǒu xìnyòng! I think he has the most credit!
不对。他一点儿“信用”也没有！ 妈，您老的观念跟不上时代了，得变一变了。您要学会花明天的钱,实现今天的梦。这对国家，对个人都有好处。 Bùduì. Tā yīdiǎnr “xìnyòng” yě méiyǒu! Mā, nín lǎo de guānniàn gēn bù shàng shídàile, děi biàn yī biànle. Nín yào xuéhuì huā míngtiān de qián, shíxiàn jīntiān de mèng. Zhè duì guójiā, duì gèrén dōu yǒu hǎochù. Incorrect. He doesn’t have any “credit” at all. Mum, your old ways of thinking have not kept up with the times, they need to change. You need to learn to spend tomorrow’s money, to live today’s dream. This is for the benefit of the country, of every person.
你爱怎么做就怎么做，我不管。让我借债来享受生活，我做不到。 Nǐ ài zěnme zuò jiù zěnme zuò, wǒ bùguǎn. Ràng wǒ jièzhài lái xiǎngshòu shēnghuó, wǒ zuò bù dào. If you so love then so do, I do not care. Make me to borrow money to enjoy life, I will not.
（重复） (Chóngfù) (Repeat)