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悠也 ⼩瀬
10 Oct 2025
民間セクター発展に関する決議「決議 No. 198/2025/QH15」について
Kobayashi Yusuke
10 Oct 2025
中国の最低賃金について（2025年10月時点）
塚田 涼太
9 Oct 2025
オンアライバルビザ（VOA : Visa on Arrival）での入国方法
清水 信太
9 Oct 2025
【ベトナム】労働許可証に関する新政令（政令第219/2025/ND-CP）の公
TAKEHEHIRO NAGAYAMA
9 Oct 2025
マレーシア 1985年食品規則（Food Regulations 1985）」の改正
松木 祐里香
3 Oct 2025
プノンペン国際空港が新空港「テチョ国際空港（KTI）」 に移転
松木 祐里香
3 Oct 2025
タイ、アルコール飲料規制法（Alcoholic Beverage Control Act）の改正
Toshio Yamada
2 Oct 2025
税負担の軽減に追い風：国内企業へのVAT優遇を最高裁が承認
北岡 光里
27 Sep 2025
インド最高裁 Hyatt 判決：固定場所PE認定の基準拡大と多国籍企業へ
北岡 光里
27 Sep 2025
第56回 GST 評議会（2025年9月）決定内容と在インド子会社への影響
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<p style="text-align:center"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><span style="font-size:14.0pt">ベトナムの親子ローン</span></span></span></p> <p style="text-align:justify"> </p> <p style="text-align:justify"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><span style="font-size:9.0pt"> 日系企業の多くが、ベトナムで事業を行なう際の資金調達手段として親会社からの借入である親子ローンを選択します。親子ローンの中でも、短期借入と中長期借入があります。今回はそれぞれの特徴、また短期借入から中長期借入に変更する際の留意点をご紹介いたします。</span></span></span></p> <p style="text-align:justify"> </p> <p style="text-align:justify"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><span style="font-size:9.0pt"> まず親会社からの借入は、返済義務はもちろん発生しますが、ベトナムの銀行から借入を行うよりも金利を低く設定できる点などのメリットにより親子ローンを設定する企業様が多いです。</span></span></span></p> <p style="text-align:justify"> </p> <p style="text-align:justify"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><span style="font-size:10.0pt">【それぞれの特徴】</span></span></span></p> <table cellspacing="0" class="MsoTableGrid" style="border-collapse:collapse; border:none"> <tbody> <tr> <td style="border-bottom:1px solid black; border-left:1px solid black; border-right:1px solid black; border-top:1px solid black; vertical-align:top; width:149px"> <p style="text-align:left"> </p> </td> <td style="border-bottom:1px solid black; border-left:none; border-right:1px solid black; border-top:1px solid black; vertical-align:top; width:208px"> <p style="text-align:center"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><strong>短期ローン</strong></span></span></p> </td> <td style="border-bottom:1px solid black; border-left:none; border-right:1px solid black; border-top:1px solid black; vertical-align:top; width:223px"> <p style="text-align:center"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><strong>中長期ローン</strong></span></span></p> </td> </tr> <tr> <td style="border-bottom:1px solid black; border-left:1px solid black; border-right:1px solid black; border-top:none; vertical-align:top; width:149px"> <p style="text-align:left"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><strong>①</strong></span></span><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><strong>借入期間</strong></span></span></p> </td> <td style="border-bottom:1px solid black; border-left:none; border-right:1px solid black; border-top:none; vertical-align:top; width:208px"> <p style="text-align:center"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><strong>1</strong><strong>年以内</strong></span></span></p> </td> <td style="border-bottom:1px solid black; border-left:none; border-right:1px solid black; border-top:none; vertical-align:top; width:223px"> <p style="text-align:center"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><strong>1</strong><strong>年以上</strong></span></span></p> </td> </tr> <tr> <td style="border-bottom:1px solid black; border-left:1px solid black; border-right:1px solid black; border-top:none; vertical-align:top; width:149px"> <p style="text-align:left"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><strong>②利用口座</strong></span></span></p> </td> <td style="border-bottom:1px solid black; border-left:none; border-right:1px solid black; border-top:none; vertical-align:top; width:208px"> <p style="text-align:center"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><strong>資本金口座</strong></span></span></p> </td> <td style="border-bottom:1px solid black; border-left:none; border-right:1px solid black; border-top:none; vertical-align:top; width:223px"> <p style="text-align:center"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><strong>資本金口座</strong></span></span></p> </td> </tr> <tr> <td style="border-bottom:1px solid black; border-left:1px solid black; border-right:1px solid black; border-top:none; vertical-align:top; width:149px"> <p style="text-align:left"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><strong>③中央銀行の登録</strong></span></span></p> </td> <td style="border-bottom:1px solid black; border-left:none; border-right:1px solid black; border-top:none; vertical-align:top; width:208px"> <p style="text-align:center"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><strong>×</strong></span></span></p> </td> <td style="border-bottom:1px solid black; border-left:none; border-right:1px solid black; border-top:none; vertical-align:top; width:223px"> <p style="text-align:center"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><strong>〇</strong></span></span></p> </td> </tr> <tr> <td style="border-bottom:1px solid black; border-left:1px solid black; border-right:1px solid black; border-top:none; vertical-align:top; width:149px"> <p style="text-align:left"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><strong>④IRC</strong><strong>上の</strong></span></span><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><strong>借入枠</strong></span></span></p> </td> <td style="border-bottom:1px solid black; border-left:none; border-right:1px solid black; border-top:none; vertical-align:top; width:208px"> <p style="text-align:center"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><strong>×</strong></span></span></p> </td> <td style="border-bottom:1px solid black; border-left:none; border-right:1px solid black; border-top:none; vertical-align:top; width:223px"> <p style="text-align:center"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><strong>〇</strong></span></span></p> </td> </tr> <tr> <td style="border-bottom:1px solid black; border-left:1px solid black; border-right:1px solid black; border-top:none; vertical-align:top; width:149px"> <p style="text-align:left"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><strong>⑤報告業務</strong></span></span></p> </td> <td style="border-bottom:1px solid black; border-left:none; border-right:1px solid black; border-top:none; vertical-align:top; width:208px"> <p style="text-align:center"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><strong>月次</strong></span></span></p> </td> <td style="border-bottom:1px solid black; border-left:none; border-right:1px solid black; border-top:none; vertical-align:top; width:223px"> <p style="text-align:center"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><strong>月次</strong></span></span></p> </td> </tr> <tr> <td style="border-bottom:1px solid black; border-left:1px solid black; border-right:1px solid black; border-top:none; vertical-align:top; width:149px"> <p style="text-align:left"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><strong>⑥使用用途</strong></span></span></p> </td> <td style="border-bottom:1px solid black; border-left:none; border-right:1px solid black; border-top:none; vertical-align:top; width:208px"> <p style="text-align:center"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><strong>運転資金のみ</strong></span></span></p> </td> <td style="border-bottom:1px solid black; border-left:none; border-right:1px solid black; border-top:none; vertical-align:top; width:223px"> <p style="text-align:center"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><strong>設備投資資金も可</strong></span></span></p> </td> </tr> </tbody> </table> <p style="text-align:left"> </p> <p style="text-align:left"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><strong><span style="font-size:9.0pt">①借入期間</span></strong><span style="font-size:9.0pt">：短期ローンは1年以内、それを超える場合は中長期ローンへの変更が必要</span></span></span></p> <p style="text-align:left"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><strong><span style="font-size:9.0pt">②利用口座</span></strong><span style="font-size:9.0pt">：どちらもローンの振込と返済は資本金口座から行う</span></span></span></p> <p style="text-align:left"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><strong><span style="font-size:9.0pt">③中央銀行の登録</span></strong><span style="font-size:9.0pt">：中長期ローンのみ登録が必要で、ローン契約締結後の借入金送付前の登録が必要</span></span></span></p> <p style="text-align:left"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><strong><span style="font-size:9.0pt">④IRC</span></strong><strong><span style="font-size:9.0pt">上の借入枠</span></strong><span style="font-size:9.0pt">：中長期ローンのみ、IRC上に記載された「総投資額」―「資本金」＝「借入枠」に注意し、この「借入枠」の範囲内で借入が可能</span></span></span></p> <p style="text-align:left"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><strong><span style="font-size:9.0pt">⑤業務報告</span></strong><span style="font-size:9.0pt">：現在はどちらも中央銀行に月次での借り入れ状況の報告が必要（オンライン）</span></span></span></p> <p style="text-align:left"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><strong><span style="font-size:9.0pt">⑥使用用途</span></strong><span style="font-size:9.0pt">：どちらも明確には規定されていないが、短期ローンは運転資金のみで中長期ローンは設備投資資金への使用も可能である</span></span></span></p> <p style="text-align:left"> </p> <p style="text-align:left"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><span style="font-size:10.0pt">【短期ローンから中長期ローン変更に関して】</span></span></span></p> <p style="text-align:left"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><span style="font-size:9.0pt">親会社より短期ローンで借入を行っていたが、中長期ローンに変更したい場合いくつかの点に注意する必要があります。まず中長期ローン変更にはかなりの工数を要します。必要書類の作成や申請に最低でも3か月といわれ、状況次第で4・5か月はかかります。実務上半年以上要したケースもございます。</span></span></span></p> <p style="text-align:left"> </p> <p style="text-align:left"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><span style="font-size:10.0pt">〈以下、中長期ローン変更フロー〉</span></span></span></p> <p style="text-align:left"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><span style="font-size:9.0pt">1. </span></span></span><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><span style="font-size:9.0pt">オンラインアカウントの作成（2～3週間）</span></span></span></p> <p style="text-align:left"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><span style="font-size:9.0pt">2. </span></span></span><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><span style="font-size:9.0pt">IRC借入枠の修正（1～2か月）※１</span></span></span></p> <p style="text-align:left"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><span style="font-size:9.0pt">3. 中央銀行への登録（2～3か月）</span></span></span></p> <p style="text-align:left"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><span style="font-size:9.0pt">※１：IRC上の借入枠内で借入を行う場合、このステップは不要</span></span></span></p> <p style="text-align:left"> </p> <p style="text-align:left"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><span style="font-size:10.0pt">〈留意点〉</span></span></span></p> <ul> <li style="text-align:left"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><span style="font-size:9.0pt">親会社と中長期ローンに同意し更新契約の調印後、30日以内に中長期ローン登録の書類提出を行わなかった場合、ペナルティが発生します。つまりIRC上の借入枠が十分でない場合、先にIRCの借入枠の変更を行い、その後中長期ローン変更を行いましょう。</span></span></span></li> <li style="text-align:left"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><span style="font-size:9.0pt">短期ローンを中長期ローンに変更する際、管轄当局によって短期ローンの使用用途を審査されます。前述（それぞれの特徴⑥使用用途）したように、明確な規定はありませんが、短期ローンを運転資金以外の設備投資資金等に充当していた場合、管轄当局より指摘を受け審査に通らない可能性もございます。</span></span></span></li> </ul> <p style="text-align:left"> </p> <p style="text-align:left"><span style="font-size:10.5pt"><span style="font-family:游明朝,serif"><span style="font-size:9.0pt">以上、短期ローンと中長期ローンの特徴と留意点をご紹介しましたが、ベトナム進出に伴う資金調達についてご相談や悩み事がある際は是非お問い合わせください！</span></span></span></p>
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ベトナムの親子ローン.pdf
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