Core Insights - Jinan Financial Technology Group's subsidiary, Jinan Financial Digital Technology Co., Ltd. (referred to as "Financial Digital Technology"), successfully obtained a loan credit of 2 million yuan from Qilu Bank, marking a breakthrough in data asset pledge financing based on "public data authorized operation" [1] - The company has utilized advanced technologies such as big data, blockchain, and artificial intelligence to analyze and mine public data in Jinan, creating standardized data products with market application value [1] - This successful loan acquisition opens new financing channels for technology-oriented state-owned enterprises with light assets and heavy data, effectively revitalizing public data resources and setting a benchmark for the market-oriented allocation of public data value in state-owned enterprises [1] Future Directions - Financial Digital Technology aims to continuously release the innovative vitality of state-owned enterprises by exploring the pathways for data "resourceization, assetization, and capitalization," contributing to the construction of a national-level digital economy hub in Jinan [2]

在融资模式方面，采用数据资产质押贷款方式，进一步凸显数据资产的市场价值和未来收益，将数据资 产转化为直接且可量化的企业融资能力。 在资金结算方面，创新性地使用数字人民币作为放款方式，凭借其"支付即结算"的特性，省去了传统银 行的清算环节，放款全程无需手续费，降低资金流转成本，提升效率。 此次数据资产融资成功，打通数据要素价值链的关键一环，构建企业数据资产变现的有效路径，通过数 据资产贷款反哺数据业务，有力推动数据从"资源"向"资本"的跃迁。 联合电服公司在数据资源价值挖掘领域积极探索，依托日均超2.5亿条的广东省高速路网数据，致力构 建完善的数据资源研发和管理体系，实现多维度的创新与共赢。 【深圳商报讯】（驻穗记者 姚嘉莉 通讯员 粤交集宣 陈洁毅）数据要素市场化改革提速，如何激发数据 资产要素的乘数效应推动企业发展至关重要。近日，广东交通集团下属广东联合电子服务股份有限公司 （以下简称"联合电服公司"）在数据质押融资获得近2000万元贷款的基础上，成功向平安银行提款数字 人民币100万元，完成全国高速公路行业首单"数据资产质押+数字人民币贷款"业务。 今年以来，联合电服公司围绕数据产品的现有落地项目和潜在应 ...

Core Insights - The value of data as an economic factor is increasingly recognized, with the number of data enterprises in China expected to exceed 400,000 and the data industry scale projected to reach 5.86 trillion yuan by 2024, marking a 117% increase from the end of the 13th Five-Year Plan [2] - Policy breakthroughs, such as the implementation of accounting regulations for enterprise data resources, have transformed data from an intangible asset to a measurable asset, facilitating innovative financing practices [2] - The emergence of various "first cases" of data asset pledge financing provides new pathways for small and medium-sized enterprises to address financing challenges [2] Industry Developments - The first data asset pledge financing in the artificial intelligence sector in Zhejiang Province was provided to Lianxin Technology, amounting to 10 million yuan, showcasing the innovative financing solutions for light-asset technology companies [3][4] - Hengfeng Bank issued a 10 million yuan data asset financing to Jining Public Transport Group, marking the first million-level data asset pledge financing in Jining, utilizing key operational data for the pledge [4] Challenges in Data Asset Financing - Despite the increasing number of cases, data asset pledge financing remains in a "small-scale trial" phase, with a total financing scale of 1.39 billion yuan expected by the end of 2024, indicating limited participation from various industries [6] - The lack of a unified national framework for data asset rights recognition poses significant challenges, leading to increased financing costs and risk management difficulties for financial institutions [6][7] - The complexity of valuing data assets, which are non-physical and easily replicable, complicates the assessment process, as traditional valuation methods may not be applicable [7][8] Risk Management Strategies - Banks are advised to implement dynamic risk management strategies throughout the data asset pledge loan process, including pre-loan assessments, pledge registration, and post-loan monitoring to mitigate risks associated with data asset financing [8][9] - The establishment of industry standards for data asset valuation is seen as a foundational step to address the challenges in this emerging financing area, with initiatives underway to create guidelines and tools for accurate valuation [9]