'Dài jì' (贷记) is a technical accounting term meaning 'credit entry'—a record indicating an increase in liabilities, equity, or revenue, or a decrease in assets or expenses. The character 贷 (dài) literally means 'loan' or 'credit' and historically relates to creditor-side entries in double-entry bookkeeping; 记 (jì) means 'to record' or 'entry'. Together, they form a compound noun used exclusively in formal financial and banking contexts to denote the act or instance of crediting an account.

This term appears regularly in bank statements, accounting software interfaces, audit reports, and finance textbooks. It is never used in casual speech or non-financial writing. In Chinese accounting practice, every transaction requires both a debit (借记, jiè jì) and a credit (贷记) entry to maintain balance—hence 贷记 always functions as part of this dual system. Learners should recognize it as a fixed, uninflected noun that does not take aspect particles (e.g., no 贷记了 or 贷记过) and is rarely pluralized.