资质 zīzhì aptitude
aptitude; natural endowments
How to remember 资质: 资 wealth + 质 essence = aptitude.
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How it is used
- Natural aptitude/endowment; also official qualifications - 资质聪颖 (zīzhì cōngyǐng) naturally gifted; 施工资质 (shīgōng zīzhì) construction credentials/license.
- Two senses: innate talent, and formal certification to do business/work.
- Context decides - 资质平平 (average ability) vs. 具备资质 (holds the required qualifications).