数据资源从成本项转为资产项多家银行数管齐下抢先“挖矿”

Core Insights - In the digital economy era, data has become a core strategic asset for commercial banks, surpassing traditional elements like capital and branches, driving innovation, risk management, and customer service upgrades [1] Talent Acquisition - The competition for data talent in the banking sector is intensifying, with high demand for roles in data analysis, governance, database management, and artificial intelligence [2][3] - A significant recruitment initiative by Heilongjiang Rural Credit Cooperative aims to hire 97 employees, with over half of the positions focused on information technology, including data development and AI [2] - Banks are increasingly seeking hybrid talents who possess both financial knowledge and data technology skills, reflecting a market gap in this area [3] Platform Development - Banks are actively advancing data platform construction projects, with a focus on domestic alternatives and modernization [4] - For instance, the Bank of Communications in Zhejiang is migrating local data to a domestic database as part of its digital transformation efforts [4] - Major state-owned and joint-stock banks are initiating new generation distributed core system projects to enhance service efficiency and system stability [5] Data Asset Recognition - Banks are moving towards recognizing data as an asset, with several institutions reporting data asset valuations in their annual reports [7][8] - The implementation of the Ministry of Finance's regulations allows qualified data resources to be recognized as intangible assets, significantly impacting the banking sector's financial reporting [7] - Notable banks like China CITIC Bank and Everbright Bank have reported specific amounts for data assets, indicating a shift from viewing data as a cost to recognizing it as an asset [8]