Phono-semantic — one part hints at the meaning, another at the sound
Example phrases
事故发生后才说应该加装护栏,这种马后炮无法弥补损失。Shìgù fāshēng hòu cái shuō yīnggāi jiāzhuāng hùlán, zhè zhǒng mǎhòupào wúfǎ míbǔ sǔnshī.Saying only after the accident that guardrails should have been installed is hindsight criticism that cannot make up for the loss.
比赛输了才说应该换人,这不是马后炮吗?Bǐsài shū le cái shuō yīnggāi huàn rén, zhè bú shì mǎhòupào ma?Saying you should have swapped a player only after the match is lost is just hindsight, isn't it?
你现在放什么马后炮,当时为什么不提醒我?Nǐ xiànzài fàng shénme mǎhòupào, dāngshí wèishénme bù tíxǐng wǒ?Why are you offering advice now it's too late? Why didn't you warn me back then?