<p>河内——随着金融欺诈和网络诈骗变得越来越复杂，越南银行正在加强交易控制，并部署数字工具以更早地识别风险，更好地保护客户。</p>
<p>越南国家银行（SBV）表示，截至 4 月 12 日，通过支付操作欺诈风险管理、监督和预防信息系统（SIMO）已发出超过 370 万条客户警报。</p>
<p>根据参与机构的报告，超过 120 万客户在收到警告后暂时暂停或取消了交易，涉及近 4170 亿越南盾（约合 1.5812 亿美元）。</p>
<p>在该日期之前，SIMO 已在 149 家机构推广，包括 99 家信用机构和 50 家支付中介。截至 3 月 23 日，该平台已收集超过 688,000 条可疑欺诈活动记录。</p>
<p>在银行层面，数字保护系统也在不断扩展。在农业银行，AgriNotify 欺诈检测和警报平台已整合到 Agribank Plus、移动银行和互联网银行服务中，适用于内部和跨行转账。一旦客户输入收款人信息，系统会自动交叉检查内部数据和相关部门的数据，以识别异常迹象。警报被分为三个风险级别并即时显示，允许客户在完成交易前重新考虑。</p>
<p>保护措施也在向数字渠道之外延伸。在柜台，BIDV、越南工商银行、越南外贸银行和 MB 等银行已引入实时警报机制，为客户提供即时风险信息。</p>
<p>除了技术保障，贷款机构还继续敦促客户保持警惕，保护个人数据和机密凭证，遵循风险警报，并遵守银行和当局发布的交易安全指导。</p>
<p>为了加强支付安全，SBV 要求信用机构和支付中介加强风险控制，强化交易监控，并更密切地监督商户和支付接受单位。</p>
<p>商业银行必须审查内部程序，严格遵守有关账户、卡和电子钱包的开立和使用规定，并在确保账户信息完整准确的同时验证支付指令的合法性。</p>
<p>他们还需更新识别可疑交易的标准，通过 SIMO 增强报告和数据共享，并加强公众沟通，以防止信息泄露，遏制租用或交易银行账户和电子钱包等行为。</p>
<p>在 4 月，许多商业银行同时停止了在数字银行平台上自动拆分价值 500 百万越南盾或以上的转账。</p>
<p>此举符合 SBV 关于中介支付服务的第 40/2024 号通告。根据新规定，超过该阈值的交易必须通过常规转账渠道处理，个人客户自 5 月 1 日起，企业客户自 5 月 5 日起生效。</p>
<p>银行官员表示，减缓高价值转账将提高透明度，加强资金监控，降低欺诈风险，同时帮助保护客户资产。</p>
<p>截至 2026 年第一季度末，银行间电子支付系统处理的交易额接近 130 万亿越南盾，同比增长超过 70%。——越南通讯社/VNS</p>

PP越南

VNAM

越南 ETF - VanEck Vectors

<p>越南银行正在加强数字安全措施，以应对日益严重的在线欺诈。越南国家银行报告称，通过 SIMO 系统发出了超过 370 万条警报，导致 120 万笔交易被取消，金额约为 4170 万亿越南盾（约合 1.5812 亿美元）。银行正在实施先进的欺诈检测系统和实时警报，设置在分行柜台。新的法规要求对高价值交易进行更严格的监控，并遵守安全协议。到 2026 年第一季度末，银行间电子支付系统处理的金额接近 130 万亿越南盾，反映出同比增长 70%</p>

<p>HÀ NỘI — As financial fraud and online scams become increasingly sophisticated, Vietnamese banks are tightening transaction controls and deploying digital tools to detect risks earlier and better protect customers.​</p>
<div class="lb-trans"><p>河内——随着金融欺诈和网络诈骗变得越来越复杂，越南银行正在加强交易控制，并部署数字工具以更早地识别风险，更好地保护客户。</p>
</div><p>The State Bank of Vietnam (SBV) said that by April 12, more than 3.7 million customer alerts had been issued through the information system for management, supervision and prevention of fraud risks in payment operations (SIMO).​</p>
<div class="lb-trans"><p>越南国家银行（SBV）表示，截至 4 月 12 日，通过支付操作欺诈风险管理、监督和预防信息系统（SIMO）已发出超过 370 万条客户警报。</p>
</div><p>According to reports from participating institutions, more than 1.2 million customers temporarily suspended or cancelled transactions after receiving warnings, involving nearly VNĐ4.17 trillion (US$158.12 million).​</p>
<div class="lb-trans"><p>根据参与机构的报告，超过 120 万客户在收到警告后暂时暂停或取消了交易，涉及近 4170 亿越南盾（约合 1.5812 亿美元）。</p>
</div><p>Before that date, SIMO had been rolled out at 149 institutions, including 99 credit institutions and 50 payment intermediaries. As of March 23, the platform had collected more than 688,000 records of suspected fraudulent activity.​</p>
<div class="lb-trans"><p>在该日期之前，SIMO 已在 149 家机构推广，包括 99 家信用机构和 50 家支付中介。截至 3 月 23 日，该平台已收集超过 688,000 条可疑欺诈活动记录。</p>
</div><p>At the bank level, digital protection systems are also being expanded. At Agribank, the AgriNotify fraud-detection and warning platform has been integrated across Agribank Plus, mobile banking and internet banking services for both internal and interbank transfers. Once customers enter recipient information, the system automatically cross-checks internal data and data from competent authorities to identify abnormal signs. Alerts are classified into three risk levels and displayed instantly, allowing customers to reconsider before completing a transaction.​</p>
<div class="lb-trans"><p>在银行层面，数字保护系统也在不断扩展。在农业银行，AgriNotify 欺诈检测和警报平台已整合到 Agribank Plus、移动银行和互联网银行服务中，适用于内部和跨行转账。一旦客户输入收款人信息，系统会自动交叉检查内部数据和相关部门的数据，以识别异常迹象。警报被分为三个风险级别并即时显示，允许客户在完成交易前重新考虑。</p>
</div><p>Protection measures are also being extended beyond digital channels. At branch counters, banks including BIDV, VietinBank, Vietcombank and MB have introduced real-time warning mechanisms to provide immediate risk information for customers.​</p>
<div class="lb-trans"><p>保护措施也在向数字渠道之外延伸。在柜台，BIDV、越南工商银行、越南外贸银行和 MB 等银行已引入实时警报机制，为客户提供即时风险信息。</p>
</div><p>Alongside technical safeguards, lenders continue to urge customers to remain vigilant, protect personal data and confidential credentials, follow risk alerts and comply with transaction safety guidance issued by banks and authorities.​</p>
<div class="lb-trans"><p>除了技术保障，贷款机构还继续敦促客户保持警惕，保护个人数据和机密凭证，遵循风险警报，并遵守银行和当局发布的交易安全指导。</p>
</div><p>To strengthen payment security, the SBV has required credit institutions and payment intermediaries to tighten risk controls, strengthen transaction monitoring and more closely supervise merchants and payment acceptance units.​</p>
<div class="lb-trans"><p>为了加强支付安全，SBV 要求信用机构和支付中介加强风险控制，强化交易监控，并更密切地监督商户和支付接受单位。</p>
</div><p>Commercial banks must review internal procedures, comply strictly with regulations governing the opening and use of accounts, cards and e-wallets, and verify the legality of payment orders while ensuring account information is displayed fully and accurately.​</p>
<div class="lb-trans"><p>商业银行必须审查内部程序，严格遵守有关账户、卡和电子钱包的开立和使用规定，并在确保账户信息完整准确的同时验证支付指令的合法性。</p>
</div><p>They are also required to update criteria for identifying suspicious transactions, enhance reporting and data sharing through SIMO, and step up public communications to prevent information leaks and curb practices such as renting or trading bank accounts and e-wallets.​</p>
<div class="lb-trans"><p>他们还需更新识别可疑交易的标准，通过 SIMO 增强报告和数据共享，并加强公众沟通，以防止信息泄露，遏制租用或交易银行账户和电子钱包等行为。</p>
</div><p>In April, many commercial banks simultaneously halted the automatic splitting of transfers worth VNĐ500 million or more on digital banking platforms.​</p>
<div class="lb-trans"><p>在 4 月，许多商业银行同时停止了在数字银行平台上自动拆分价值 500 百万越南盾或以上的转账。</p>
</div><p>The move complies with the SBV’s Circular 40/2024 on intermediary payment services. Under the new rules, transactions above that threshold must be processed through regular transfer channels, starting May 1 for individual customers and May 5 for corporate clients.</p>
<div class="lb-trans"><p>此举符合 SBV 关于中介支付服务的第 40/2024 号通告。根据新规定，超过该阈值的交易必须通过常规转账渠道处理，个人客户自 5 月 1 日起，企业客户自 5 月 5 日起生效。</p>
</div><p>​Banking officials said slowing high-value transfers would improve transparency, strengthen fund monitoring and reduce fraud risks while helping safeguard customer assets.</p>
<div class="lb-trans"><p>银行官员表示，减缓高价值转账将提高透明度，加强资金监控，降低欺诈风险，同时帮助保护客户资产。</p>
</div><p>​By the end of the first quarter of 2026, the interbank electronic payment system had processed nearly VNĐ130 quadrillion in transactions, surging more than 70 per cent year-on-year, statistics show. — VNA/VNS</p>
<div class="lb-trans"><p>截至 2026 年第一季度末，银行间电子支付系统处理的交易额接近 130 万亿越南盾，同比增长超过 70%。——越南通讯社/VNS</p>
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银行加强数字防护措施以抵御网络欺诈