What is the difference between 貸付金 and 借入金?


When I translate both of these terms, the English is approximately loan or
debt or borrowing.

The first one, 貸付金{かしつけきん}, is commonly used by banks to advertise loans.
However, I have seen 借入金{かりいれきん} used on tax forms.

What is the difference?




Contrary to the comments, the two are expressions that are opposite in
meaning. This makes sense, as 借りる means to borrow and 貸す means to lend. [In
the link](https://avacs.co.jp/kariire-dx/loan.php#_-8) @sams-studio provided,
it explains that:

> 貸付金は資産の増加と負債の減少を意味するお金です。  
>  貸付金 is money loaned, meaning this is money that adds to your capital.

This means that 貸付金 is a loan _from the loaner's perspective_. Essentially,
this is money that your or your company has loaned to another party. In
contrast, [借入金 means](https://avacs.co.jp/kariire-dx/loan.php#_-9):

> 借入金は資産の減少と負債の増加を意味するお金です。  
>  借入金 is money borrowed that essentially means a decrease in your capital.

It is essentially a loan an outside party makes to a you. This is money that
you or your company has borrowed, and must return to the lender. Both words
mean loan (money), but from the perspectives of different parties. 貸付金 from
the lender's perspective, and 借入金 from the borrower's perspective. To simplify
this explanation, [this
site](https://manekai.ameba.jp/cardloan/loan/#:%7E:text=%E5%80%9F%E5%85%A5%E9%87%91%E3%81%A8%E3%81%AF%E3%80%81%E8%B2%B8%E4%BB%98%E9%87%91,%E5%80%9F%E5%85%A5%E9%87%91%E3%80%8D%E3%81%AB%E5%88%86%E9%A1%9E%E3%81%97%E3%81%BE%E3%81%99%E3%80%82)
says:

> 借入金とは、貸付金とは反対の意味を持つ言葉です。貸付金は貸したお金を意味しますが、借入金は借りるお金を意味します。  
>  借入金 and 貸付金 are words that hold opposite meanings. 貸付金 is money lended,
> while 借入金 means money borrowed.

The definitions of
[貸付金](https://kotobank.jp/word/%E8%B2%B8%E4%BB%98%E9%87%91-462105) and
[借入金](https://kotobank.jp/word/%E5%80%9F%E5%85%A5%E9%87%91-47346) on Kotobank
essentially say the same thing.




Contrary to the comments, the two are expressions that are opposite in
meaning. This makes sense, as 借りる means to borrow and 貸す means to lend. [In
the link](https://avacs.co.jp/kariire-dx/loan.php#_-8) @sams-studio provided,
it explains that:

> 貸付金は資産の増加と負債の減少を意味するお金です。  
>  貸付金 is money loaned, meaning this is money that adds to your capital.

This means that 貸付金 is a loan _from the loaner's perspective_. Essentially,
this is money that your or your company has loaned to another party. In
contrast, [借入金 means](https://avacs.co.jp/kariire-dx/loan.php#_-9):

> 借入金は資産の減少と負債の増加を意味するお金です。  
>  借入金 is money borrowed that essentially means a decrease in your capital.

It is essentially a loan an outside party makes to a you. This is money that
you or your company has borrowed, and must return to the lender. Both words
mean loan (money), but from the perspectives of different parties. 貸付金 from
the lender's perspective, and 借入金 from the borrower's perspective. To simplify
this explanation, [this
site](https://manekai.ameba.jp/cardloan/loan/#:%7E:text=%E5%80%9F%E5%85%A5%E9%87%91%E3%81%A8%E3%81%AF%E3%80%81%E8%B2%B8%E4%BB%98%E9%87%91,%E5%80%9F%E5%85%A5%E9%87%91%E3%80%8D%E3%81%AB%E5%88%86%E9%A1%9E%E3%81%97%E3%81%BE%E3%81%99%E3%80%82)
says:

> 借入金とは、貸付金とは反対の意味を持つ言葉です。貸付金は貸したお金を意味しますが、借入金は借りるお金を意味します。  
>  借入金 and 貸付金 are words that hold opposite meanings. 貸付金 is money lended,
> while 借入金 means money borrowed.

The definitions of
[貸付金](https://kotobank.jp/word/%E8%B2%B8%E4%BB%98%E9%87%91-462105) and
[借入金](https://kotobank.jp/word/%E5%80%9F%E5%85%A5%E9%87%91-47346) on Kotobank
essentially say the same thing.

