获得这单金融突破的南京凯奥思数据技术有限公司此次成功获批南京银行数据知识产权和数据资产质押 融资全流程办理业务，获得1000万元贷款。该项目获批后，中国人民银行征信中心动产融资统一登记公 示系统完成业务更新，在相关登记类目中明确纳入"数据资产质押"。 数据知识产权，是指单位或个人对其依法依规获取的，经过一定规则或算法加工处理，具有实用价值和 智力成果属性的数据集合享有的民事权益。数据知识产权登记是数据资产确权的核心环节，能为企业在 数据交易、合作开发、侵权维权等场景中提供合法依据，有效降低数据被滥用、盗用的风险，保障企业 在数据研发与应用中的投入回报，并有利于推动数据要素在市场中有序流动，促进数字经济产业的健康 发展。 位于雨花台区的南京凯奥思是一家提供工业物联网产品和解决方案的科创企业，通过大数据建模分析， 为工业企业提供设备在线监测、智慧运维、工业控制、供应链优化等服务。2024年6月，南京凯奥思超 前谋划、抢抓机遇，经严格成本法评估，完成两个高价值数据应用产品（设备故障自诊断模型数据和振 动特征值算法库）的数据资产入表工作；7月，在上海数据交易所、南京市公共资源交易中心登记上 架；8月，通过增进信用等级 ...

数字金融作为金融"五篇大文章"之一，是金融强国蓝图的关键落笔。 眼下，中国数字金融已形成完整梯队。2025年前三季度，数字经济核心产业增加值同比增长 9.2%，银行业数字化投入占比达15.3%。 离岸与数字金融协同，技术赋能是抓手。运用区块链、大数据实现跨境资金实时监测与穿透式监 管；探索跨境数字资产质押、离岸数据资产交易，严防资金违规流动与数据泄露。 前瞻布局人民币稳定币，沙盒试点聚焦离岸贸易、跨境供应链金融场景，开展研究性试点；风险防 控借鉴新加坡100%储备金模式、香港多链清算经验，完善储备资产托管与风控方案。 保障机制要形成协同合力。建立部际联席会议：国务院层面统筹跨部门监管与数据共享，每年召开 两次；政策支持：对物联网、区块链验证类融资给予费率补贴，借鉴美国SBA模式提供最高50%风险补 偿；人才培育：高校增设数据合规、离岸金融课程，给予高端人才个税与住房保障；监管部门建立智能 风控系统，强化从业者合规培训。 中国数字金融正从"规模扩张"向"结构优化"转型，核心在于以制度创新破解堵点、以数据赋能激活 潜力、以跨境突破拓展空间。通过离岸与数字金融深度融合、稳定币前瞻布局，数字金融将成为金融强 国建设的 ...

Core Insights - Ping An Bank's Guangzhou branch has successfully implemented the first "data asset pledge + digital RMB loan" in the highway industry, marking a significant milestone in transforming data resources into capital [1][2] - The collaboration with Guangdong United Electronic Services Co., Ltd. demonstrates Ping An Bank's innovative approach to financing technology enterprises by utilizing data assets as collateral, addressing the financing bottleneck faced by many tech companies [2][3] Group 1: Data Asset Transformation - Traditional credit systems rely on tangible assets for collateral, but many tech companies possess core value in intangible assets like patents and data, which are often overlooked [2] - Ping An Bank has identified this gap and pioneered a new model that allows data assets to be included in the bank's credit asset pool, validating the future value of data assets [2] Group 2: Financial Services Innovation - The use of digital RMB as a loan disbursement method provides clients with an unprecedented "payment upon settlement" experience, enabling instant fund availability [3] - Timely access to funds allows tech companies to seamlessly connect R&D investments and technology upgrades, enhancing their market competitiveness [3] Group 3: Tailored Financial Solutions - Ping An Bank has established long-term partnerships with various tech companies, providing continuous financing support throughout their growth stages, from initial credit loans to comprehensive financing products [4][5] - A customized credit solution of 100 million yuan was developed for a leading fintech company, addressing its unique needs through a combination of working capital loans and performance guarantees [5] Group 4: Comprehensive Financial Ecosystem - Ping An Bank has created a "full lifecycle companion" service model that adapts to the different stages of a tech company's development, ensuring that financial services align with their specific needs [6] - The bank has also introduced tailored supply chain financing solutions to address challenges faced by tech companies, enhancing their operational stability and growth [7] Group 5: Future Outlook - By supporting various tech enterprises, Ping An Bank is building a complete ecosystem for technology financial services, positioning itself to leverage opportunities in the evolving tech finance landscape [7]

Core Insights - Ningbo Bank's Lishui Longquan Branch successfully executed the first "data asset pledge financing" in Longquan City, providing a credit loan of 10 million yuan to Longquan Easy Life Smart Commerce Development Co., marking a significant breakthrough in the market-oriented reform of data elements in Longquan [1][3] Group 1: Company Overview - Easy Life Company is a subsidiary of Longquan State-owned Assets Holding Co., focusing on comprehensive commercial services, including travel agency services, tourism management, and internet life platform services [3] - The financing involved the "Longquan Comprehensive Commercial Analysis Map Data," which is structured data formed through systematic processing of platform transaction behaviors and business interactions [3] Group 2: Financing Details - The data asset pledge model transforms intangible data into assessable and pledgeable assets, facilitating the conversion path from "data - asset - capital" [3] - The loan of 10 million yuan was issued based on a comprehensive evaluation of the quality of the data resources and their potential application scenarios, supported by a data intellectual property certificate obtained by Easy Life Company [3][5] Group 3: Industry Implications - This case not only provides strong momentum for Easy Life Company to expand new business and develop new scenarios but also supports the development and application of data assets, aiding in industrial transformation and upgrading in Longquan [5] - The Longquan State-owned Assets Holding Co. plans to continue exploring the financial attributes of data assets in collaboration with ecosystem partners, promoting innovation in the data element industry while ensuring data security and compliance [5]