推进数字金融 银行业积极“挖矿”

Core Viewpoint - Data is being recognized as the fifth production factor, significantly reshaping the balance sheets of commercial banks as they actively explore the integration of data resources into their financial statements [1][2][3]. Group 1: Importance of Data Resource Integration - The integration of data resources into financial statements is crucial for commercial banks to accelerate digital transformation and enhance their ability to serve the real economy [1][2]. - The implementation of the "Interim Regulations on Accounting Treatment Related to Enterprise Data Resources" has provided a framework for converting data resources into data assets [2][5]. - Data resource integration is seen as a response to national policy initiatives aimed at developing digital finance and improving data governance [7][9]. Group 2: Current Practices and Developments - Several national joint-stock banks and city commercial banks have begun to establish standardized processes for data resource integration, including inventory, rights confirmation, and valuation [3][4]. - As of the end of 2024, banks like Hengfeng Bank and Citic Bank have reported data resource values in the range of hundreds of thousands to millions of yuan, with Everbright Bank leading at over 18 million yuan [3][4]. - City commercial banks are also actively participating, with Ningbo Bank reporting a data resource value of 6 million yuan and Hangzhou Bank at 327.4 thousand yuan [4]. Group 3: Challenges and Future Outlook - The current stage of data resource integration is exploratory, with the actual scale of integration remaining limited compared to other industries [5][8]. - The primary challenges include the valuation and rights confirmation of data resources, which are complicated by the diverse types and uses of data [8][9]. - The establishment of a comprehensive data asset valuation framework by the China Banking Association aims to address these challenges and facilitate the marketization of data resources [8][9]. Group 4: Strategic Recommendations - To enhance the integration of data resources, banks are encouraged to strengthen data governance, improve IT infrastructure, and develop a clear lifecycle management system for data assets [9][10]. - Collaboration among government, industry associations, and enterprises is essential to create standardized valuation methods and operational guidelines for data resource integration [9][10].