据中国人民银行湛江市分行有关负责人介绍，数据知识产权质押融资是一种新型融资方式，是以企 业合法拥有并取得数据知识产权登记证书的数据作为质押物，与以往的数据资产质押融资相比，数据知 识产权质押融资具有法律权属更加清晰、估值与定价更加成熟、市场接受度更高等优势。 为推进知识产权综合运用，助力数据知识产权由资源变"资金"，在中国人民银行广东省分行的指导 下，中国人民银行湛江市分行组织召开多场政银企对接会，深入宣讲知识产权质押融资相关政策，引导 银行机构以"一企一案"模式为企业量身定制知识产权融资方案，为企业数据知识产权的价值释放奠定坚 实基础。同时，该行还联合湛江市市场监管局以及专业服务机构，以市内知识产权优势示范企业和专精 特新企业为重点，构建覆盖数据价值挖掘、价值评估、金融产品打造的全流程服务体系，促进数据流通 及价值变现。 破解数据变现密码数据知识产权撬动"资金流" 在数字经济迅猛发展的当下，数据已然成为关键的生产要素与宝贵资源，也正成为企业重要的资产 类别之一。2025年3月，在中国人民银行广东省分行的指导下，中国人民银行湛江市分行成功推动建设 银行湛江市分行开展了粤东西北首单数据知识产权质押融资业务，湛江 ...

近日，建行上海市分行与上海数据交易所（以下简称"上海数交所"）合作，依托上海数交所"数易 贷"开展数据资产金融创新，为维智科技提供3000万元授信。这是目前授信金额最高的"数易贷"，帮助 数据要素型企业拓宽融资渠道、提高资产使用率，为更多"轻资产、重数据"的企业利用数据资产进行融 资提供了可借鉴的经验。 对于金融机构和企业而言，数据资产融资既是机遇，也是挑战。王建平表示，数据资产融资面临确 权难、估值难、托管难、处置难等难题。在确权方面，数据资产融资需要明确资产权属，但数据的易复 制性和多主体参与性使确权困难，当前政策和法律仍需进一步明确数据资产的持有权、使用权和经营 权。估值方面，数据资产的价值因应用场景而异，现有的估值方法不够成熟，难以全面反映数据资产的 市场价值。托管方面，数据资产托管需要安全的基础设施和完善的制度保障，以确保资产的安全与合 规，防止重复融资和数据滥用。处置方面，数据资产价值波动大，变现难度高，受市场、法律和数据特 性限制，确权难、估值难和处置机制不健全都加大了处置难度。 维智科技是国内领先的时空人工智能产业赋能平台。据维智科技市场总监韩萍萍介绍，今年上半 年，该企业的多个行业产品完成数 ...

Core Viewpoint - The rapid development of the digital economy has positioned data as a crucial production factor and valuable resource, leading to innovative financing methods such as data intellectual property pledge financing [1][2][5] Group 1: Data Asset Financing - The first data intellectual property pledge financing in the Guangdong region was successfully executed, allowing the 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 People's Bank of China (PBOC) in Zhanjiang has been actively guiding financial institutions to recognize and leverage the value of data assets, resulting in the first data asset pledge financing in the region back in June 2024 [2][5] - Data intellectual property pledge financing is characterized by clearer legal ownership, more mature valuation and pricing, 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, aiming to tailor financing solutions for individual enterprises [3][5] - 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 on Urban Development - The successful implementation of data intellectual property pledge financing not only validates the financial value of data intellectual property but also provides a replicable innovative path for enterprises in Zhanjiang to unlock data value [5] - This initiative is expected to accelerate the digital and intelligent transformation of urban transportation, contributing to the development of smart transportation and smart city clusters in Zhanjiang [5]