Comparison of "担保" and "保证"

In Chinese, "担保" (dānbǎo) and "保证" (bǎozhèng) both relate to the concept of assurance or guarantee, but they are used in different contexts and carry slightly different meanings.

担保 (dānbǎo)

"担保" is often used in legal or financial contexts to refer to a formal guarantee or assurance provided by a third party, typically for a loan, debt, or legal obligation.

• The bank requires collateral to provide a guarantee for the loan. - 银行要求提供抵押品作为贷款的担保。(Yínháng yāoqiú tígōng dǐyāpǐn zuòwéi dàikuǎn de dānbǎo.)
• The company's assets were used as collateral to secure the loan. - 公司的资产被用作担保来确保贷款。(Gōngsī de zīchǎn bèi yòng zuò dānbǎo lái quèbǎo dàikuǎn.)

保证 (bǎozhèng)

"保证" can also mean guarantee or assurance but is more commonly used in everyday language to indicate a personal promise or commitment made by an individual or entity.

• I promise to complete the work on time. - 我保证按时完成工作。(Wǒ bǎozhèng ànshí wánchéng gōngzuò.)
• The seller guarantees the quality of the product. - 卖家保证产品的质量。(Mài jiā bǎozhèng chǎnpǐn de zhìliàng.)

Main Differences

• Context: "担保" is often used in legal or financial contexts involving formal guarantees or collateral, while "保证" is more commonly used in everyday language to indicate personal promises or assurances.
• Formality: "担保" carries a more formal connotation and is often associated with legal or financial agreements, whereas "保证" is a general term used in various contexts.