The Chinese word "差款" can be read as "chā kuǎn". In English, it could be translated as "shortage of funds" or "deficiency in payment". For example, "There is a shortage of funds in the account." or "The company is facing a deficiency in payment." The pronunciation of these English translations would be as follows: "shortage of funds" is pronounced /ˈʃɔːtɪdʒ əv fʌndz/; "deficiency in payment" is pronounced /dɪˈfɪʃnsi ɪn ˈpeɪmənt/.
