Group 1 - The core viewpoint is that data intellectual property can be transformed into financial assets, providing new financing avenues for modern agricultural enterprises [1][3][7] - Zhejiang Yuelaoda Agricultural Technology Co., Ltd. successfully obtained a pledge financing of 50 million yuan from Longyou Rural Commercial Bank, marking a breakthrough in data intellectual property pledge financing in the agricultural sector of Quzhou City [1][3] - The financing represents the highest amount recorded for similar pledges in the agricultural field within the city [1] Group 2 - Modern agricultural enterprises face challenges such as being asset-light and having difficulty in financing, but data intellectual property registration allows data to be treated like patents and trademarks, enabling market circulation and value realization [3] - Longyou County's market regulatory bureau, in collaboration with other departments, is focusing on the value extraction of data elements in agriculture, optimizing production processes through digital models, and integrating industry resources via digital platforms [3][6] - The county aims to deepen cooperation between government and financial institutions to innovate financial services related to intellectual property, transforming data intellectual property into assets and unlocking the potential of data elements for high-quality development [6]

Core Viewpoint - The rapid development of the digital economy has made data a crucial production factor and valuable resource, leading to the emergence of data as an important asset category for enterprises [1][2]. Group 1: Data Asset Financing - In March 2025, the People's Bank of China (PBOC) in Zhanjiang successfully facilitated the first data intellectual property pledge financing in the Guangdong region, allowing 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 PBOC in Zhanjiang has been actively guiding financial institutions to recognize the value of data and explore new financing paths for data assets, having previously supported the first data asset pledge financing in the region in June 2024 [2][3]. - Data intellectual property pledge financing is a new financing method that uses legally owned data with registered intellectual property rights as collateral, offering clearer legal ownership, more mature valuation, 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, encouraging banks to tailor financing solutions for enterprises based on individual needs [3]. - 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 and Future Directions - The successful implementation of the first data intellectual property pledge financing has validated the financial value of data intellectual property and provided a replicable innovative path for enterprises in Zhanjiang to unlock data value [5]. - The PBOC in Zhanjiang plans to continue exploring new models of data asset pledge financing that align with market rules and meet enterprise needs, contributing to the transformation of urban transportation towards digitalization and intelligence [5].

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]