<p>河内 — 越南国家银行（SBV）提议允许外国信贷机构使用在越南银行开设的账户进行国际支付和汇款服务，以促进国际支付并推动金融一体化。</p>
<p>该提议在关于居民和非居民在授权银行使用外币和越南盾账户的 2014 年第 16 号通知草案修订中提出。该草案目前已公开征求意见。</p>
<p>根据 SBV 的说法，国际贸易、外国投资流动和数字金融的快速变化暴露了现有法规的不足。</p>
<p>最显著的提议修订之一是引入关于外国信贷机构在越南授权银行开设的外币和越南盾账户使用的规定。</p>
<p>SBV 表示，越南商业银行必须依赖与海外贷款人的代理银行网络来处理客户的国际支付。同样，外国金融机构也越来越希望在越南银行开设代理账户，以支持与越南进行贸易的客户的支付和转账服务。</p>
<p>然而，现有法规并未提供关于不同国家商业银行之间支付和汇款的代理账户使用的指导。</p>
<p>根据草案，外国信贷机构将被允许使用这些账户进行客户的国际支付服务以及其自身的运营交易。</p>
<p>SBV 表示，该修订旨在为跨境结算提供更清晰的法律基础，并更好地反映当前市场实践。</p>
<p>草案中还提议对非居民组织、个人和外国居民的越南盾收入来源的相关规定进行修改。</p>
<p>修订后的措辞将不再要求银行验证资金来自越南的合法收入来源，而是更广泛地定义为来自越南组织和个人的收入。</p>
<p>SBV 表示，这一变化是必要的，因为银行在验证外国人进行的大量越南盾交易的文件时面临困难，特别是通过电子商务平台和在线支付系统进行的交易。</p>
<p>随着电子商务的快速增长，越南盾的收款和支付服务在数字平台上为外国卖家变得越来越普遍，SBV 补充说，要求每笔交易提供支持文件给银行带来了运营挑战。</p>
<p>然而，中央银行强调，向外汇款的管控仍将保持。</p>
<p>根据草案，非居民和外国个人在使用其越南盾账户中的资金购买外币以转移到国外时，仍需提供证明收入来源合法性的文件。 — BZHUB/VNS</p>

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<p>越南国家银行（SBV）提议允许外国信用机构使用越南银行的账户进行国际支付和资金转移。该提议是对现有法规的修订草案的一部分，旨在应对由于国际贸易和数字金融的快速变化而导致的法律空白。修订草案旨在明确外国银行使用外币和越南盾账户的规定，并简化非居民收入来源的验证流程。目前，该草案正在公开征求意见</p>

<p>HÀ NỘI — The State Bank of Vietnam (SBV) has proposed foreign credit institutions be allowed to use accounts opened at Vietnamese banks for international payment and money transfer services to facilitate international payment and promote financial integration.</p>
<div class="lb-trans"><p>河内 — 越南国家银行（SBV）提议允许外国信贷机构使用在越南银行开设的账户进行国际支付和汇款服务，以促进国际支付并推动金融一体化。</p>
</div><p>The proposal is raised in a draft amendment to Circular 16/2014/TT-NHNN governing the use of foreign currency and Vietnamese <em>đồng</em> accounts by residents and non-residents at authorised banks. The draft is currently available for public comment.</p>
<div class="lb-trans"><p>该提议在关于居民和非居民在授权银行使用外币和越南盾账户的 2014 年第 16 号通知草案修订中提出。该草案目前已公开征求意见。</p>
</div><p>Rapid changes in international trade, foreign investment flows and digital finance have exposed gaps in the existing regulations, according to the SBV.</p>
<div class="lb-trans"><p>根据 SBV 的说法，国际贸易、外国投资流动和数字金融的快速变化暴露了现有法规的不足。</p>
</div><p>One of the most notable proposed amendments would introduce regulations governing the use of foreign currency and Vietnamese <em>đồng</em> accounts opened by foreign credit institutions at authorised banks in Việt Nam.</p>
<div class="lb-trans"><p>最显著的提议修订之一是引入关于外国信贷机构在越南授权银行开设的外币和越南盾账户使用的规定。</p>
</div><p>The SBV said Vietnamese commercial banks must rely on correspondent banking networks with overseas lenders to process international payments for clients. Similarly, foreign financial institutions are increasingly seeking to open correspondent accounts at Vietnamese banks to support payment and transfer services for customers engaged in trade with Việt Nam.</p>
<div class="lb-trans"><p>SBV 表示，越南商业银行必须依赖与海外贷款人的代理银行网络来处理客户的国际支付。同样，外国金融机构也越来越希望在越南银行开设代理账户，以支持与越南进行贸易的客户的支付和转账服务。</p>
</div><p>However, existing regulations do not provide guidance on the use of correspondent accounts for payment and money transfer between commercial banks in different countries.</p>
<div class="lb-trans"><p>然而，现有法规并未提供关于不同国家商业银行之间支付和汇款的代理账户使用的指导。</p>
</div><p>Under the draft, foreign credit institutions would be allowed to use such accounts both for international payment services on behalf of clients and for their own operational transactions.</p>
<div class="lb-trans"><p>根据草案，外国信贷机构将被允许使用这些账户进行客户的国际支付服务以及其自身的运营交易。</p>
</div><p>The amendment aims to provide a clearer legal basis for cross-border settlement and better reflect current market practices, the SBV said.</p>
<div class="lb-trans"><p>SBV 表示，该修订旨在为跨境结算提供更清晰的法律基础，并更好地反映当前市场实践。</p>
</div><p>Changes to regulations governing Vietnamese <em>đồng</em> income sources for non-resident organisations, individuals and foreign residents are also proposed under the draft.</p>
<div class="lb-trans"><p>草案中还提议对非居民组织、个人和外国居民的越南盾收入来源的相关规定进行修改。</p>
</div><p>Instead of requiring banks to verify that funds come from lawful income sources in Việt Nam, the revised wording would define them more broadly as income received from organisations and individuals in Việt Nam.</p>
<div class="lb-trans"><p>修订后的措辞将不再要求银行验证资金来自越南的合法收入来源，而是更广泛地定义为来自越南组织和个人的收入。</p>
</div><p>The SBV said the change is necessary, as banks face difficulties verifying documents for the large volume of Vietnamese <em>đồng</em> transactions conducted by foreigners, particularly through e-commerce platforms and online payment systems.</p>
<div class="lb-trans"><p>SBV 表示，这一变化是必要的，因为银行在验证外国人进行的大量越南盾交易的文件时面临困难，特别是通过电子商务平台和在线支付系统进行的交易。</p>
</div><p>With the rapid growth of e-commerce, collection and payment services in Vietnamese <em>đồng</em> for foreign sellers on digital platforms are becoming increasingly common, the SBV said, adding that requiring supporting documents for every transaction creates operational challenges for banks.</p>
<div class="lb-trans"><p>随着电子商务的快速增长，越南盾的收款和支付服务在数字平台上为外国卖家变得越来越普遍，SBV 补充说，要求每笔交易提供支持文件给银行带来了运营挑战。</p>
</div><p>However, the central bank stressed that controls would remain in place for outward remittances.</p>
<div class="lb-trans"><p>然而，中央银行强调，向外汇款的管控仍将保持。</p>
</div><p>Under the draft, non-residents and foreign individuals seeking to purchase foreign currency using funds in their Vietnamese <em>đồng</em> accounts for transfer abroad would still need to provide documents proving the legality of the income source. — BZHUB/VNS</p>
<div class="lb-trans"><p>根据草案，非居民和外国个人在使用其越南盾账户中的资金购买外币以转移到国外时，仍需提供证明收入来源合法性的文件。 — BZHUB/VNS</p>
</div>

SBV proposes allowing foreign banks to use local accounts for international payments

- 越南国家银行提议外国信贷机构可用越南银行账户进行国际支付。  
- 该提议旨在应对国际贸易和数字金融的快速变化。  
- 修订草案将简化外国人越南盾交易的收入来源验证要求。

越南国家银行提议允许外国银行使用本地账户进行国际支付