KB PRASAC银行推出第三方资金托管服务
分类金融
地点金边
来源Cambodia Investment Review
发布时间2026/11/05 09:20
详情描述
KB PRASAC Bank 正式推出托管服务（Escrow Service，亦称 Retention Service），面向个人与企业客户，为高价值交易提供受监管的资金保管机制。该行为拥有全国分行网络的商业银行，此次将托管作为其交易管理业务的一部分单独推出。服务主要覆盖房地产买卖与企业间大宗交易两类场景，托管账户由银行作为独立第三方持有资金，用于隔离对手方违约与资金诈骗风险。
具体运作上，买方资金进入银行管理的专用信托账户，而不是直接支付给卖方。资金划转以事先约定的条件达成为前提，银行列举的条件包括软产权与硬产权证件核验、监管审批通过、以及交易节点的履约完成。条件满足后，资金在交易双方共同确认或文件核验通过的情况下直接释放给受益人。
对买方而言，这一安排的作用是避免在产权过户或标的交付尚未落实前提前付款；对卖方而言，资金已进入持牌银行账户并完成核验，可在交易过程中作为付款已到位、可查验的凭证。该行表示，在柬埔寨外资与国际机构房地产交易规模扩大的背景下，传统直接付款方式对交易双方的风险都在上升，托管账户的作用是在法律与操作层面建立一层结构化缓冲，而不只是充当付款通道。
目前该行未披露托管服务的费率标准、起办金额，也未说明不同交易类型是否适用不同的放款条件，这些需向 KB PRASAC Bank 网点核实。
对准备使用该服务的买卖双方，真正需要事先谈清的是托管协议里的放款条件：产权核验以哪一类证件为准、监管审批由哪一方提交、交易节点如何确认、共同确认需要几方签署。这些条款直接决定资金何时划转，写得越具体，托管账户的隔离作用才越能落到实处。
📋 简要摘要 ▸
KB PRASAC银行正式推出托管服务，面向个人及企业客户提供受监管的第三方资金保管机制。该服务主要服务房地产买卖与企业间大宗交易，在交易完成前由银行独立持管资金，降低对手方违约与资金诈骗风险，并为卖方提供资金已到位的可核验凭证。服务覆盖购房付款等多类交易场景。
📋 完整原文 ▸
[来源: CIR] [分类提示: NEWS]
标题: KB PRASAC Bank Officially Launches New Product, “Escrow Service”
Cambodia Investment Review
The nationwide branch network commercial bank, KB PRASAC Bank, is expanding its specialized transaction management portfolios by scaling tailored Retention or Escrow Service, offering individual and corporate clients a regulated mechanism to safeguard high-value deals. Designed primarily to serve the Kingdom’s real estate and corporate trade sectors, KB PRASAC Bank’s escrow account act as an independent third-party shield against counterparty default and financial fraud.
The introduced escrow framework establishes a structured legal and operational buffer. Under the
standard arrangement, buyer funds are held securely in a dedicated bank-administered Trust Account until all predefined conditions—such as soft/hard title deed verification, regulatory clearance, or milestone fulfillment—are satisfied by the seller. Funds are subsequently released directly to the beneficiary upon joint confirmation or document verification.
As international investments and institutional property transactions scale within Cambodia, traditional direct-payment methods present heightened risks for both transacting parties. Escrow mechanisms eliminate the risk of premature payment releases for buyers while providing sellers verifiable assurance that transaction funds are committed and verified by the licensed banks.
The key transaction types supported by KB PRASAC Bank’s escrow offerings include purchase and