Core Insights - The National Development and Reform Commission plans to introduce over 10 systems, including data property rights, to accelerate the release of data factor value [1] - Data factors are becoming a new engine for high-quality economic development, particularly in the financial sector, by addressing traditional pain points such as financing difficulties for small and micro enterprises [1][2] - The integration of data factors into financial services is driving innovation and creating a more efficient and inclusive modern financial ecosystem [1][2] Financial Sector Developments - Data factors are being recognized as assets through asset-backed securities (ABS) and real estate investment trusts (REITs), facilitating their entry into capital markets [2] - The first closed-end infrastructure securities investment fund based on data centers was launched, with significant market recognition reflected in the purchase amounts of 233 million and 388 million yuan respectively [2] - Multi-dimensional credit assessments using integrated enterprise data are providing financial institutions with precise risk pricing and enhancing financing capabilities for small and micro enterprises [2] Challenges in Data Factor Application - Despite progress, the financial sector faces challenges such as data ownership confirmation, compliance, and security issues that need to be addressed for deeper application of data factors [1][4] - The complexity of data factors and the unique nature of the financial industry create obstacles in fully realizing their value [4][5] - Current policies and practices regarding data asset accounting and valuation are inconsistent, hindering the growth and quality of data assets [5] Policy Initiatives - Various regions are implementing policies to overcome barriers in data factor financial applications, such as Beijing's initiative to explore data asset circulation models and Hunan's plan to enhance data factor applications in finance [5][6] - The emphasis on balancing incentives and constraints in policy design is crucial for protecting personal data privacy while promoting data utilization [6]
数据要素正加速融入金融服务 确权、合规、安全等问题仍面临挑战
Zheng Quan Ri Bao·2025-08-17 16:46