vietnamese-finance-copy

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🇺🇸

Original

English

🇨🇳

Translation

Chinese

Vietnamese finance copy (vi-VN)

越南语金融文案（vi-VN）

Finance is the one domain in this repo where getting the words wrong has statutory consequences rather than commercial ones, and where the two most common defects both look like competent writing:

Stale terminology. Thông tư 200/2014 was replaced by Thông tư 99/2025/TT-BTC from 01/01/2026, and the balance sheet was renamed. Any model writing from pre-2026 data produces
```
Bảng cân đối kế toán
```
, which is now the wrong name for the statement.
Prohibited phrasing that reads as ordinary marketing.
```
Cam kết lợi nhuận 12%/năm
```
is a sentence a marketer writes without hesitating. It is also prohibited.

This skill is a copywriting aid, not legal advice. Its job is to get copy to legal review already clean of the known problems. Several rules below route to that review rather than offering a rewrite, and that is the intended behaviour, not a gap.

在本仓库中，金融领域是唯一一个用词错误会引发法定后果而非商业后果的领域，且最常见的两类问题看起来都像是合格的写作：

过时术语：第200/2014号通知已被2026年1月1日起生效的第99/2025/TT-BTC号通知取代，资产负债表的名称也已变更。任何基于2026年之前数据撰写的模板都会使用
```
Bảng cân đối kế toán
```
，而这如今已是报表的错误名称。
看似普通营销实则被禁止的措辞：
```
Cam kết lợi nhuận 12%/năm
```
是营销人员会不假思索写出的句子，但它同样被禁止。

本技能是文案撰写辅助工具，而非法律建议。其作用是让提交至法律审查的文案预先清除已知问题。以下有几条规则会直接转介至审查而非提供改写方案，这是预期设计，而非功能缺失。

Step 1 — Register: there is effectively one

步骤1 — 语体选择：实际上只有一种

Finance is Quý khách
for customer-facing copy and impersonal third person for statements, disclosures, and policy.

bạn

appears only in youth-facing fintech, and even there the money screens and every regulated disclosure revert to formal.

bạn

in a statement, an invoice, a disclosure, or a loan document is always wrong. Use

--register finance-formal

. The shared matrix: references/register-matrix.md.

面向客户的文案需使用**

Quý khách

，而报表、披露文件及政策需使用非人称第三人称**。

bạn

仅用于面向年轻人的金融科技内容，即便如此，涉及资金的页面及所有受监管的披露文件仍需回归正式语体。

在报表、发票、披露文件或贷款文档中使用

bạn

一律错误。请使用

--register finance-formal

。共享语体矩阵： references/register-matrix.md

Step 2 — Core rules (non-negotiable, no file hop needed)

步骤2 — 核心规则（无协商余地，无需跳转文件）

Báo cáo tình hình tài chính
, not
Bảng cân đối kế toán
, for any statement dated 2026 or later. TT 99/2025/TT-BTC, form B01-DN. This is an error, not a preference.

Never write guaranteed-return language.

cam kết lợi nhuận

đảm bảo sinh lời

bảo toàn vốn

đầu tư không rủi ro

chắc chắn có lãi

. Write

lợi nhuận kỳ vọng

with a risk statement — and send it to legal review anyway.

A promotional rate needs its total cost beside it.
```
Lãi suất 0%
```
without the fees that replace it is a transparency breach under TT 43/2016 as amended by TT 18/2019.
Numbers group with periods.
```
2.500.000.000
```
, never
```
2,500,000,000
```
. In a finance document a comma-grouped number is a factor-of-a-thousand ambiguity, not a style slip.
Negatives use parentheses.
```
(1.234)
```
, never
```
-1.234
```
.

Every statement table declares
Đơn vị tính
—

triệu đồng

tỷ đồng

, or

VND

Standard tax abbreviations only:
```
thuế GTGT
```
,
```
thuế TNDN
```
,
```
thuế TNCN
```
,
```
MST
```
. Never
```
PIT
```
, never the English abbreviations.
Quý I/II/III/IV
, Roman numerals. Not
```
Q4
```
.
No superlatives.
```
Lãi suất cao nhất thị trường
```
is regulated under Luật Quảng cáo Điều 8 khoản 11. Publish the rate instead — it is more persuasive and it is legal.
Digital assets are not legal tender, and may only be solicited through a Bộ Tài chính–licensed provider under the NQ 05/2025 pilot.

2026年及之后出具的报表需使用
Báo cáo tình hình tài chính
，而非
Bảng cân đối kế toán
。依据第99/2025/TT-BTC号通知，B01-DN表。这是错误，而非偏好问题。
绝不能使用保证收益类表述：
```
cam kết lợi nhuận
```
、
```
đảm bảo sinh lời
```
、
```
bảo toàn vốn
```
、
```
đầu tư không rủi ro
```
、
```
chắc chắn có lãi
```
。请使用
```
lợi nhuận kỳ vọng
```
并附带风险声明——无论如何仍需将其提交至法律审查。
推广利率旁需标注总成本：仅标注
```
Lãi suất 0%
```
却未说明替代它的费用，违反了经第18/2019号通知修订的第43/2016号通知中的透明度要求。
数字以句点分组：
```
2.500.000.000
```
，绝不能用
```
2,500,000,000
```
。在金融文档中，以逗号分组的数字会造成千倍歧义，绝非风格疏漏。
负数使用括号：
```
(1.234)
```
，绝不能用
```
-1.234
```
。

每张报表表格需注明
Đơn vị tính
——

triệu đồng

、

tỷ đồng

或

VND

。

仅使用标准税务缩写：
```
thuế GTGT
```
、
```
thuế TNDN
```
、
```
thuế TNCN
```
、
```
MST
```
。绝不能使用
```
PIT
```
或英文缩写。
使用
Quý I/II/III/IV
，即罗马数字。不能用
```
Q4
```
。
禁止使用最高级：
```
Lãi suất cao nhất thị trường
```
违反《广告法》第8条第11款。请直接公布利率——这样更有说服力且合法。
数字资产并非法定货币，仅可通过财政部（Bộ Tài chính）许可的机构依据第05/2025号决议（NQ 05/2025）试点项目进行招揽。

Step 3 — Get the statement terminology right

步骤3 — 正确使用报表术语

The TT 99/2025 renames, statement names, line items, tax abbreviations, and period naming — plus an explicit statement of what this skill does not carry (the full account-code mapping, which needs an accountant):

references/statement-terminology.md

Wrong-sense renderings that no spellcheck catches —

sự công bằng

for equity,

hiệu trưởng

for principal,

tỷ lệ quan tâm

for interest rate — are in references/glossary.md, machine-readable so every row is a lint rule.

第99/2025号通知对报表名称、项目行、税务缩写及期间命名进行了重命名——同时明确说明本技能不涵盖的内容（完整的科目代码映射，需由会计师完成）：

references/statement-terminology.md

拼写检查无法发现的语义错误——如将权益译为

sự công bằng

、本金译为

hiệu trưởng

、利率译为

tỷ lệ quan tâm

——收录于**references/glossary.md**，该文件为机器可读格式，每一行均为一条检查规则。

Step 4 — Format the numbers as a statement, not as prose

步骤4 — 按报表格式而非散文格式排版数字

Grouped digits, parenthesised negatives,

Đơn vị tính

headers, currency handling, rounding disclosure, and the e-invoice field labels:

references/statement-formatting.md — plus references/locale-formatting.md for the general locale rules and references/unicode-and-tone.md for NFC.

数字分组、括号标注负数、

Đơn vị tính

表头、货币处理、舍入披露及电子发票字段标签：

references/statement-formatting.md——此外，**references/locale-formatting.md包含通用区域设置规则，references/unicode-and-tone.md**包含NFC相关规则。

Step 5 — Check the regulated phrasing

步骤5 — 检查受监管措辞

Guaranteed returns, interest-rate transparency, insurance and investment-linked disclosure under TT 67/2023 Điều 53, and the digital-asset position under Luật 71/2025 and NQ 05/2025 — with the instruments, the effective dates, and an honest account of which prohibitions are assembled from several sources rather than stated in one article:

references/financial-promotion.md and references/banned-phrases.md.

Cross-cutting rules shared with the other Vietnamese skills: references/compliance.md.

保证收益、利率透明度、第67/2023号通知第53条规定的保险及投资关联披露，以及依据第71/2025号法律和第05/2025号决议的数字资产相关规定——包含适用工具、生效日期，以及明确说明哪些禁止性规定是由多个来源汇总而成而非单一条款明确规定：

references/financial-promotion.md和references/banned-phrases.md。

与其他越南语技能共享的跨领域规则： references/compliance.md

Step 6 — Validate, fix, then route to review

步骤6 — 验证、修正后转介审查

Run the validator immediately after writing. If it reports errors, fix them and run again.

bash

python scripts/validate_copy.py bctc.md --doctype statement --register finance-formal
python scripts/validate_copy.py hoa-don.md --doctype e-invoice
python scripts/validate_copy.py landing-vay.md --doctype financial-promotion

FIN001
— guaranteed-return language — is never gated on
--doctype
. It fires everywhere, because the phrasing is prohibited everywhere.

Other doctypes:

statement

e-invoice

financial-promotion

disclosure

loan

--list-rules

prints everything this skill can emit.

Exit
```
0
```
= clean or warnings only. Exit
```
1
```
= errors that must be fixed.
```
--json
```
for machine-readable findings;
```
--strict
```
to fail on warnings too.

FIN001
is a warning rather than an error on purpose. No single article states the guaranteed-return prohibition verbatim — it is assembled from Luật Chứng khoán Điều 12, NĐ 155/2020 and NĐ 38/2018. Hard-blocking would over-claim a legal position the sources do not support in one place. A
FIN001
warning means "a lawyer decides this", not "reword it until the linter is quiet."

For a starter invoice: assets/hoa-don-gtgt.md.template.

撰写完成后立即运行验证工具。若报告错误，请修正后再次运行。

bash

python scripts/validate_copy.py bctc.md --doctype statement --register finance-formal
python scripts/validate_copy.py hoa-don.md --doctype e-invoice
python scripts/validate_copy.py landing-vay.md --doctype financial-promotion

FIN001
——保证收益类表述——不受
--doctype
限制。该规则会在所有场景触发，因为此类措辞在任何地方均被禁止。
其他文档类型：
```
statement
```
、
```
e-invoice
```
、
```
financial-promotion
```
、
```
disclosure
```
、
```
loan
```
。使用
```
--list-rules
```
可查看本技能可触发的所有规则。
退出码
```
0
```
表示文案无错误或仅含警告。退出码
```
1
```
表示存在必须修正的错误。
使用
```
--json
```
可获取机器可读的检查结果；使用
```
--strict
```
可在出现警告时也判定为失败。

FIN001
被设置为警告而非错误是有意为之。没有任何单一条款明确规定禁止保证收益表述——它是由《证券法》第12条、第155/2020号决议和第38/2018号决议汇总而来。硬性拦截会过度主张法律立场，而现有来源并未在单一文件中明确支持该立场。FIN001
警告意味着“由律师决定此内容”，而非“改写至检查工具无提示为止”。

入门级发票模板：assets/hoa-don-gtgt.md.template

Step 7 — Two reviewers, then ship

步骤7 — 双重审核后发布

references/examples.md for the worked bad→good pairs.

Then the checklist — and unlike the other skills in this repo, this one names two professionals. Statement terminology needs an accountant; anything soliciting investment, describing insurance, or presenting a credit rate needs a lawyer. A fluent Vietnamese speaker is not a substitute for either.

references/qa-checklist.md

**references/examples.md**包含错误→正确的示例对比。

随后使用检查清单——与本仓库中的其他技能不同，本技能明确要求两名专业人员参与。报表术语需由会计师审核；任何涉及投资招揽、保险描述或信贷利率展示的内容需由律师审核。流利的越南语使用者无法替代上述两类专业人员。

references/qa-checklist.md