越南財政部提案：中小企業可用虛擬資產作抵押品向銀行申請貸款

📄Full Article· Automatically extracted by trafilaturaGemini 翻譯929 words

The Ministry of Finance of Vietnam plans to include digital assets, virtual assets, and intellectual property rights as acceptable collateral for SMEs. The draft is expected to be submitted to the National Assembly for review in October 2026, aiming to resolve financing bottlenecks for over 98% of enterprises. (Context: DAT crypto reserve enterprise profit and loss review! Strategy lost $1.9 billion, two enterprises holding $HYPE are floating in profit) (Background: US bipartisan crypto tax reform bill "PARITY Act" introduced: 5-year tax deferral for staking, tax exemption for stablecoin transactions under $200) The Ministry of Finance has officially proposed allowing SMEs to use new types of assets, such as digital assets, virtual assets, and intellectual property rights, as collateral for bank loans. Relevant provisions have been included in the draft amendment to the Law on Support for SMEs, which is currently open for public consultation. According to Viet Nam News, the draft is expected to be submitted to the National Assembly for review in October 2026, serving as an expanded version of the 2017 Law on Support for SMEs. The newly added types of acceptable collateral include future-formed assets, property rights, intellectual property rights, digital assets, virtual assets, and other legal assets. Financing gap is the biggest pain point The numbers illustrate the severity of the problem: SMEs and individual business households in Vietnam account for over 98% of the total number of registered enterprises in the country, yet their outstanding loans account for only about 19% to 20% of the total credit in the national banking system. This stark disparity has long been a financing ceiling that private enterprises and tech startups in Vietnam have struggled to break through. The traditional collateral system is centered on real estate. Tech companies and startup teams often hold algorithms, software licenses, or digital platform assets, but lack tangible assets to pledge to banks, leading to rejected loan applications. The Ministry of Finance's proposal is an attempt to dismantle this barrier from a regulatory perspective. Regulatory framework aligns with digital assets Vietnam has been actively promoting digital economy legislation in recent years. The Ministry of Finance's proposal to include virtual assets as a legal category of collateral indicates that authorities in Hanoi are gradually integrating crypto and digital assets into the mainstream financial regulatory framework, rather than merely maintaining a tacit "gray area" attitude. If successfully passed into law, this move will provide more flexible financing tools for tech startups in Vietnam, while also posing a new test for the risk control systems of the banking sector. How to evaluate the collateral value and liquidity of digital assets will be the core issue for subsequent supporting measures. The draft is currently in the public consultation stage, and the final details of the provisions remain to be confirmed.

Data Status✓ Full text extractedRead Original (動區 BlockTempo)

🔍Historical Similar Events· Keyword + Asset Matching0 items

No similar events found (requires more data samples or embedding search; currently MVP keyword matching)

Raw Information

ID:52e27bcb35

Source:動區 BlockTempo

Published:2026-05-31 03:46:14

Category:zh_news · Export Category zh

Symbols:Unspecified

Community Votes:+0 / −0 · ⭐ 0 Important · 💬 0 Comments