The Chinese word "多虑" is formed by directly combining the character "多", which means "many" or "excessive", with the character "虑", which means "worry" or "concern". This combination results in a compound word where "多" modifies "虑" to express the notion of "excessive worrying" or "overthinking", literally translating to "many worries". The meaning is derived from the sum of its parts, indicating a state of having too much concern.