2028年前将建100个！可信数据空间破解供应链金融“数据孤岛”

Core Insights - The concept of "trusted data space" has become a hot topic in the financial industry this year, facilitating data sharing among core enterprises, suppliers, and banks to alleviate financing difficulties for small and medium-sized enterprises (SMEs) [2][3] - Traditional supply chain finance models exhibit vulnerabilities, and new technologies provide pathways to address financing challenges for SMEs, necessitating policy guidance and technological inclusivity to avoid widening the "digital divide" [2][4] Group 1: Trusted Data Space - Trusted data space serves as an infrastructure for secure data sharing among different institutions, crucial for building a unified national data market [3][4] - The core of trusted data space is to establish a technical trust system that enables efficient collaboration among data sources, processors, and users, facilitating the entire process of data value extraction, verification, and delivery [3][4] Group 2: Application in Financial Sector - The application of trusted data space in finance is evolving from customized scenarios to general solutions, allowing banks and consumer finance companies to integrate encrypted data without sharing raw data [4][5] - Financial institutions can analyze encrypted data such as accounts receivable and inventory turnover rates to assess the creditworthiness of supply chain enterprises, enabling real-time adjustments to credit limits and interest rates [4][5] Group 3: Challenges and Solutions - SMEs face high data acquisition costs, low standardization, and algorithm bias risks due to fragmented data, necessitating more resources from financial institutions for data cleaning and integration [6][7] - The solution lies in policy-driven data standardization, with government-led initiatives to establish industry data norms and encourage core enterprises to open supply chain data [6][7] Group 4: Future Developments - The National Data Bureau has issued an action plan for the development of trusted data spaces from 2024 to 2028, aiming to establish over 100 trusted data spaces to promote large-scale data circulation and sharing [6][7] - The future development of trusted data spaces will focus on urban and industry data spaces, with the goal of breaking public data supply bottlenecks and unlocking the value of data elements [7]