民生银行青岛分行:AI感知预测模型数据资产质押融资
Qi Lu Wan Bao·2025-12-24 03:30

Core Viewpoint - The successful integration of the "AI Perception Prediction Model" as a data asset into financial statements marks a significant milestone in the financialization of data assets, facilitating a pioneering data asset pledge financing of 30 million yuan in the AI sector in Shandong Province [1][2][5][6] Group 1: Data Asset Evaluation and Integration - The company established a dual evaluation mechanism for data asset quality and value, ensuring comprehensive assessment through compliance checks, quality testing, model performance evaluation, and application scenario validation [3] - The "AI Perception Prediction Model" was incorporated into the financial statements as an intangible asset, enhancing the diversity of the company's asset structure and providing a compliant basis for future financing [4] Group 2: Financing Innovation - The financing model innovatively uses AI model data assets as collateral, breaking away from traditional financing methods that rely on physical assets or credit guarantees, thus exploring a deep integration of data elements and financial capital [5][7] - The 30 million yuan loan represents the first instance of data asset pledge financing in the AI field within Shandong Province, signifying a critical transition of data assets from "resources" to "capital" [5][6] Group 3: Impact and Future Directions - The case serves as a "new district sample" for national data element market-oriented configuration reform, effectively promoting the capitalization, assetization, and financialization of data elements [6][7] - The funds obtained from this pledge financing will be utilized to enhance data infrastructure and analytical capabilities, further driving the monetization and appreciation of the company's data assets [5]