insolvent

Compared meaning: unable to pay one's debts (adjective).

比较义项：无力偿还债务的（形容词）。

• bankrupt

  More common and everyday; often implies a formal legal declaration of bankruptcy has been made, and is frequently used as a noun or verb ("go bankrupt", "declared bankrupt") as well as an adjective.

  更常见、更口语化；常暗示已经过正式的法律程序宣告破产，也常作名词或动词使用（如“go bankrupt”“declared bankrupt”），而不只是形容词。

  The small shop went bankrupt after losing most of its customers.

  这家小商店在失去大部分顾客后破产了。

• insolvent 本词

  More formal and typically used in financial or legal writing; describes a company's or person's financial state of being unable to pay debts, often before any formal bankruptcy proceeding begins.

  更正式，通常用于财务或法律文本中；描述公司或个人无力偿还债务的财务状态，往往是在正式破产程序开始之前。

  The company became insolvent after months of falling sales.

  这家公司在销售额连续数月下滑后陷入无力偿债的境地。

Both describe being unable to pay debts, but differ in formality. Insolvent is formal, used in financial or legal writing, often for a company's state before bankruptcy. Bankrupt is everyday, often implying a legal declaration has been made, and can be a noun or verb.

这两个词都表示“无力偿还债务”，但正式程度和使用场合不同：insolvent 是较正式的财务/法律用语，常指尚未正式宣告破产前的财务状态；bankrupt 更口语化，常隐含已经过法律程序正式宣告破产。