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]

Core Viewpoint - The successful issuance of a 10 million yuan data asset financing by Hengfeng Bank's Jining branch marks the first million-level data asset pledge financing in Jining, showcasing an innovative collaboration among local government, state-owned enterprises, and banking institutions to empower the real economy through data asset financing [1][3][5] Group 1: Data Asset Financing - Hengfeng Bank's Jining branch issued a data asset financing of 10 million yuan to Jining Public Transport Group, establishing a complete closed-loop process for data asset financing including confirmation, evaluation, and pledge [1][3] - The financing initiative is part of a broader effort to create a "Jining model" for data factor empowerment in the development of the real economy [1][5] Group 2: Digital Transformation and Data Asset Registration - Jining Public Transport Group has registered the first "Jining Public Management and Service Data Set" certificate on the local data asset registration service platform, reflecting its commitment to digital transformation [3] - The establishment of an open and win-win data factor ecosystem is facilitated by Jining Guotou, which has created a data asset registration platform approved by data regulatory authorities [3][5] Group 3: Future Directions - Hengfeng Bank aims to deepen its involvement in the digital economy by exploring data asset pathways and establishing a data asset pledge financing system that includes key processes such as collateral identification, registration, valuation, and pledge lending [5] - The bank plans to optimize evaluation models and enhance product systems to better integrate data factors with financial services, thereby supporting high-quality development of the real economy [5]

记者了解到，依托京西产业引导基金，门头沟区正筹备设立2只投资基金，重点布局人工智能、智能制 造等领域，通过"以投带引"模式吸引优质企业集聚发展。值得关注的是，门头沟区数据资产质押融资探 索取得重大突破——全国首笔自然景物暨门头沟区首笔数据资产质押融资案例落地。 在人才服务方面，门头沟区一方面鼓励金融机构为科技人才提供资产配置、消费贷款等综合金融服务， 还建立了专业的科技金融服务团队，支持人保财险设立科技保险属地服务团队。另一方面通过"京西聚 智计划"、高新产业青年人才"三个一"支持计划等，构建完善的人才发展生态体系，从职业发展、生活 保障都做了实打实配套，让更多年轻人扎根门头沟。 编辑 张树婧 新京报讯（记者周怀宗）日前，北京银行门头沟绿色支行正式挂牌"科技特色支行"，门头沟区科技金融 服务也随之全面升级。 据介绍，门头沟区近年来不断推进"生态立区、文化兴区、科技强区"发展战略，科技金融作为推动区域 绿色转型发展的重要引擎和创新突破的关键抓手，通过政策创新、资金支持、人才培养等多维度协同发 力，已取得了显著成效。 在政策方面，门头沟区发布了《门头沟区推进科技金融京西试验区建设工作方案》，围绕加强政策支撑 引领 ...