‘千金’ literally means 'a thousand pieces of gold' — combining 千 (qiān, 'thousand') and 金 (jīn, 'gold' or 'metal'). Historically, it referred to an enormous sum of money, symbolizing great value. Over time, it evolved into an affectionate, respectful, and slightly literary term for a cherished daughter — implying she is as precious and irreplaceable as a fortune in gold.

This term reflects traditional Chinese cultural values that emphasize filial piety and familial love, though its usage today is warm and endearing rather than formal or archaic. It’s commonly used by parents, grandparents, or elders when speaking about or addressing a young daughter, especially in spoken language or informal writing. It carries no gendered connotation beyond 'daughter'; it is not used for sons. The phrase may also appear in idioms like 千金小姐 (qiān jīn xiǎo jiě, 'young lady of noble birth'), reinforcing its association with refinement and high regard.