Core Viewpoint - The collaboration between China Construction Bank (CCB) Shanghai Branch and Shanghai Data Exchange aims to innovate financial solutions for data asset financing, providing a credit line of 30 million yuan to Weizhi Technology, marking the highest credit amount for the "Data Easy Loan" program to date [1][2]. Group 1: Financing Innovation - Weizhi Technology, a leading spatiotemporal AI platform, has successfully completed data product certification and trading on Shanghai Data Exchange, with total transaction amounts exceeding 70 million yuan in the first half of the year [2]. - The company utilized its data product "Weizhi Address Search" for data asset pledge financing, receiving a credit line of 30 million yuan from CCB Shanghai Branch after asset evaluation using the "Jinzhun Estimate" tool [2][3]. - The new loan model provides flexible financing channels for enterprises, addressing challenges faced by small and micro enterprises in obtaining loans and equity financing [3]. Group 2: Data Asset Challenges - Data asset financing presents both opportunities and challenges, including difficulties in asset ownership confirmation, valuation, custody, and disposal [4]. - The replication nature of data and multi-party participation complicate asset ownership confirmation, necessitating clearer policies and legal frameworks regarding data asset rights [4]. - Current valuation methods for data assets are not mature enough to fully reflect market value, and the volatility of data asset values increases the difficulty of disposal [4]. Group 3: Market Practices and Regulations - Shanghai Data Exchange provides essential functions such as registration, valuation, trading, disclosure, and disposal of data assets, with the "Jinzhun Estimate" tool offering fair value analysis [5]. - The evaluation of data asset value is a rigorous process based on facts and data, supported by extensive market transaction records that help assess market dynamics and potential risks [5]. - The development of data assetization should focus on empowering the real economy, avoiding hidden liabilities and bubbles, and ensuring that business models and cash flows are closely monitored [5].
上海数据资产金融创新再提速