Vietnam plans to allow small and medium-sized enterprises to use digital assets and virtual assets as collateral for bank loans

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Mars Finance News, according to Viet Nam News, the Vietnamese Ministry of Finance has proposed in the draft revision of the "Small and Medium Enterprise Support Law" that allows small and medium-sized enterprises to use digital assets, virtual assets, intellectual property, intangible assets, and future-forming assets as collateral for bank loans to improve the financing accessibility for private businesses and tech startups. The draft also encourages lending institutions to rely more on credit ratings, business plans, market expansion potential, and company cash flow when issuing loans, reducing dependence on traditional collateral such as real estate. The Vietnamese Ministry of Finance stated that this policy aims to unleash private sector resources and is aligned with Resolution No. 68-NQ/TW.
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LeverageLatte
· 9h ago
Vietnam's recent move is quite interesting; using digital assets as collateral, small and medium-sized enterprises finally don't have to fight over real estate anymore.
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RefrigeratorMagnetContract
· 9h ago
Cash flow and credit ratings can also be used for lending; this is true support for the real economy. Mortgage loans for real estate should have been relaxed long ago.
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SlippagePoet
· 9h ago
With virtual asset collateral plus cash flow assessment, this combined approach really pays off—Vietnam’s financial flexibility is higher than that of some major countries.
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DaoSidequester
· 9h ago
How do banks manage risk control when digital asset prices are so volatile? Curious about the specific details.
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TheProphetOfToast
· 9h ago
Intellectual property mortgage sounds good, but who will determine the valuation? Are banks willing to take on this kind of work?
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GateUser-4d2d061e
· 9h ago
Implementation support for Resolution No. 68 taking effect? It feels like it’s paving the way for Web3 compliance—starting by letting small businesses test the waters.
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