Zhong Guo Jin Rong Xin Xi Wang·2025-07-23 03:05Core Viewpoint - The successful implementation of the first data asset pledge financing business in Zhejiang Province by Bank of Communications marks a significant breakthrough in the financialization of data elements, providing 10 million yuan credit support to Zhejiang Lianxin Technology Co., Ltd, a specialized and innovative enterprise in the AI industry [1][2]. Group 1 - The financing solution involves a comprehensive service system that includes data asset value assessment, pledge financing, and risk mitigation, addressing common financing challenges faced by technology enterprises [1][2]. - Zhejiang Lianxin Technology Co., Ltd specializes in psychological big data applications, utilizing vast data to train a psychological application model that provides critical decision-making support and practical application empowerment for governments, enterprises, and individuals [1]. - The innovative financing model combines data asset pledges with policy guarantees, creating a new financing pathway for light-asset, data-heavy technology enterprises [2]. Group 2 - The collaboration between Bank of Communications, Hangzhou Data Exchange, and third-party professional evaluation agencies has established a four-party cooperation mechanism that integrates finance, technology, policy, and expertise [2][3]. - The bank aims to deepen strategic cooperation with data exchange and guarantee institutions, focusing on key technical aspects such as asset valuation modeling and risk pricing to contribute to the construction of a "data element X financial service" ecosystem [3].