广东湛江：点“数”成金 企业“数据流”变“资金流”

Core Viewpoint - The rapid development of the digital economy has made data a crucial production factor and valuable resource, leading to the emergence of data as an important asset category for enterprises [1][2]. Group 1: Data Asset Financing - In March 2025, the People's Bank of China (PBOC) in Zhanjiang successfully facilitated the first data intellectual property pledge financing in the Guangdong region, allowing Zhanjiang Public Transport Group to secure a loan of 10 million yuan using its "Smart Bus Intelligent Dispatch Management System Data" as collateral [1][4]. - The PBOC in Zhanjiang has been actively guiding financial institutions to recognize the value of data and explore new financing paths for data assets, having previously supported the first data asset pledge financing in the region in June 2024 [2][3]. - Data intellectual property pledge financing is a new financing method that uses legally owned data with registered intellectual property rights as collateral, offering clearer legal ownership, more mature valuation, and higher market acceptance compared to traditional data asset pledge financing [2][3]. Group 2: Knowledge and Policy Promotion - The PBOC in Zhanjiang has organized multiple government-bank-enterprise matchmaking meetings to promote knowledge of intellectual property pledge financing policies, encouraging banks to tailor financing solutions for enterprises based on individual needs [3]. - A comprehensive service system has been established to cover data value extraction, assessment, and financial product development, focusing on local enterprises with intellectual property advantages [3]. Group 3: Impact and Future Directions - The successful implementation of the first data intellectual property pledge financing has validated the financial value of data intellectual property and provided a replicable innovative path for enterprises in Zhanjiang to unlock data value [5]. - The PBOC in Zhanjiang plans to continue exploring new models of data asset pledge financing that align with market rules and meet enterprise needs, contributing to the transformation of urban transportation towards digitalization and intelligence [5].