Group 1 - The first "data intellectual property + data asset" dual pledge financing in Jiangsu was successfully implemented, with Nanjing Kaos Data Technology Co., Ltd. obtaining a loan of 10 million yuan from Nanjing Bank based on its core data set [1] - The People's Bank of China updated its movable property financing registration system to include "data asset pledge," marking a significant innovation in light asset evaluation and financial exploration of various data rights [1][2] - Nanjing Bank revised its internal policies to accept data assets and data intellectual property as collateral, addressing the challenges of what to pledge and how to evaluate these new asset types [2] Group 2 - The Yuhuatai District has been building a collaborative "public service ecosystem" to promote enterprise data governance, intellectual property registration, and financing through knowledge property pledges [3] - The district has established a knowledge property innovation and protection center to provide free guidance to enterprises, helping them avoid unnecessary costs and ensuring proper registration of data intellectual property [3] - Nanjing Bank launched a customized product called "Shuzhi Loan" to explore productization and standardization through case studies, while Kaos is testing a regional industrial internet platform to serve small and medium-sized enterprises [3]

Group 1 - Nanjing Bank has successfully completed the first "Data Knowledge Loan" product in its system, marking the first dual pledge financing of "data intellectual property + data assets" in Jiangsu province, aimed at promoting the financialization of data assets [1] - Kaos Data Technology Co., Ltd. specializes in industrial IoT and has a solid foundation in data modeling and intellectual property, providing services such as equipment operation and industrial control [1] - The "Data Knowledge Loan" product allows technology-based SMEs with valuable and measurable data assets to convert these assets into low-cost credit funds, creating new financing pathways for innovative enterprises [1] Group 2 - Nanjing Bank has been innovating its financial services for technology enterprises, launching products like "R&D Pipeline Loan" in collaboration with a regional technology transfer center to address long-term funding needs for biopharmaceutical companies [2] - The bank has also established a "Loan-Equity Link" fund for technology talent, innovating cooperation models among government, banks, and parks to provide financing solutions [2] - As of November 2025, Nanjing Bank has served nearly 88,000 technology enterprises, providing over 860 billion yuan in funding, with more than 7,000 technology loan accounts in Nanjing and a loan balance of nearly 50 billion yuan [2]

Core Insights - The first "data intellectual property + data asset" dual pledge financing has been successfully implemented in Nanjing, marking a significant innovation in the financialization of data assets [1][3] - The "Shuzhi Loan" product, launched by Nanjing Bank, allows technology-based SMEs to convert their data assets into low-cost credit funding, providing a new financing pathway for innovative enterprises [3][6] Group 1 - Nanjing Bank has completed the first full-process data intellectual property and data asset pledge financing for Kaos Data Technology Co., Ltd., indicating that data assets can serve as collateral for financing [1][4] - The financing involved a total credit issuance of 10 million RMB, supported by a comprehensive evaluation of data rights ownership, value, and compliance conducted by Nanjing Bank in collaboration with relevant institutions [3][4] Group 2 - Nanjing Bank has been actively innovating its financial services for technology enterprises, having served nearly 88,000 tech companies and provided over 860 billion RMB in funding as of November [6] - The bank has also launched various innovative financial products, including the "R&D Pipeline Loan" and a talent financing fund, to address the funding needs of biotech companies and tech talent [6]