Core Viewpoint - China Everbright Bank is actively exploring the marketization of data elements, focusing on research and practical applications during the "14th Five-Year Plan" and planning for the "15th Five-Year Plan" in areas such as data asset valuation, operational authorization, and data security [1][2][4] Group 1: Research and Development Achievements - The bank has developed a self-researched "Enterprise Data Asset Valuation Tool" to enhance the valuation of data assets for technology companies, broadening the scenarios for obtaining loans based on data [1] - Recent research results in 2025 include a comprehensive cost accounting framework for public data resource authorization operations, providing actionable paths for compliant data resource operations in the financial sector [2] - The bank's research has been published in the international journal "Journal of Digital Economy," showcasing China's exploration and practical achievements in the field of data [1] Group 2: Industry Insights and Future Directions - Experts emphasize the significant potential of data resources in the digital and intelligent revolution, advocating for proper value accounting of data to maximize its potential [2][3] - The bank aims to combine data elements with cutting-edge technologies while ensuring compliance and security, promoting a virtuous cycle of technology development, data generation, and application [4] - Future initiatives will focus on activating the potential of data elements, fostering a collaborative development model, and injecting sustainable momentum into the high-quality development of the digital economy [4]

Core Viewpoint - China Everbright Bank is actively exploring the marketization of data elements during the 14th Five-Year Plan period, focusing on data asset valuation, circulation, and financial products, with significant research outcomes shared with the public [2][3]. Group 1: Research and Practice Achievements - During the 14th Five-Year Plan, China Everbright Bank has conducted extensive research and practical work in the field of data elements, including the development of a self-developed "Enterprise Data Asset Valuation Tool" that incorporates GPU computing power for technology companies [2]. - The bank published a paper in the international journal "Journal of Digital Economy," detailing its research and application of data asset valuation in commercial banking, showcasing China's exploration in the data field [2]. Group 2: Future Directions and Strategic Goals - In 2025, the bank aims to provide actionable paths for the compliant operation of financial data resources through its latest research on public data resource authorization and cost accounting [3]. - The bank plans to integrate data elements with cutting-edge technologies while ensuring compliance and security, focusing on areas such as cloud payment applications and digital twins [7]. - The bank's future strategy includes building a collaborative development model in the data element field to activate and release the value of data elements, promoting healthy market development for the digital economy [8]. Group 3: Expert Insights and Industry Context - Experts emphasize the importance of data as a new resource in the digital and intelligent revolution, highlighting the need for effective value accounting of data [5]. - The National Development and Reform Commission stresses that public data should be traded to realize price discovery and enhance state asset supervision, indicating a significant potential for future development in public data authorization and circulation [6].

Group 1 - The "Data Element ×" competition is currently being held nationwide, with 29 local competitions initiated and over 19,000 teams and approximately 100,000 participants involved, showcasing high-value data development projects [1] - The financial industry, being data-intensive and technology-driven, has a natural advantage in data utilization, but the accumulation of data has led to a monopoly effect [1][2] - The People's Bank of China and other departments have issued an action plan to promote high-quality development in digital finance, emphasizing the use of big data and privacy computing to enhance financial services and risk management [1] Group 2 - Banks are actively participating in the "Data Element ×" initiative, with Postal Savings Bank enhancing data resource management and exploring diverse paths for data value release [2] - Everbright Bank has developed a "Corporate Data Asset Valuation Tool" to support data-driven enterprises, establishing a new business cooperation model with a total credit limit exceeding 100 million yuan [2] - There is a growing investment in data value extraction and management by commercial banks, but existing data trading models still face challenges in privacy computing and information sharing [2] Group 3 - The "National Data Infrastructure Construction Guidelines" emphasize the need for data resource utilization and value creation, aiming to build a reliable and efficient data ecosystem [3] - The essence of the financial industry's service to the real economy is to promote the joint development of industrial ecosystems, facilitated by advancements in technology [3] - The integration of digital finance, technology finance, and industrial finance is leading to a new commercial ecosystem that fosters mutual benefits and healthy development across the ecosystem [3]