值得一提的是，"泉融e贷"项目既保持了区域特色数据模式的优势，又融合了工总行标准化风控模型的 特点，为后续拓展应用打下了坚实的基础。未来，该模型将进一步向农业、科创等重点领域延伸，持续 完善授信评估维度，探索数据要素与实体经济深度融合的新路径。 此次获奖标志着济南工行在数据要素应用和普惠金融创新方面迈出了坚实步伐，也为全省乃至全国的金 融科技发展提供了有益借鉴。下一步，济南工行将以此为契机，继续深化与济南财金集团数据要素的深 度应用，持续优化"泉融e贷"产品体系，推动数据赋能金融创新，努力提升服务实体经济的质量和效 益，积极践行金融为民的初心使命，为区域经济高质量发展注入更强动能。 9月8日下午，2025年"数据要素X"山东分赛金融领域决赛结果正式揭晓，济南工行与济南财金集团紧密 协同，代表济南赛区出战，凭借"泉融e贷"这一普惠金融创新产品的卓越创新实践与显著成效，经过激 烈角逐，在30家参赛金融机构中脱颖而出，以89.2分的优异成绩荣获金融服务赛道第一名，展现出济南 工行在数据要素驱动普惠金融高质量发展领域的领先实力与标杆价值。 此次获奖的"泉融e贷"项目，是针对小微企业融资难题的重要突破。项目依托济南市综 ...

Core Insights - The article discusses the significant impact of digitalization and data as a production factor in various sectors, highlighting the emergence of data as a crucial asset in economic development, particularly in Shandong Province [1][2] - It emphasizes the challenges faced in the implementation of data asset accounting, including insufficient infrastructure, lack of active participation from private enterprises, and the need for a robust data market [3][4] Group 1: Data Asset Accounting - By 2024, data is expected to be recognized as a key asset, with 92 listed companies and 228 non-listed companies in China reporting data asset accounting [1] - Shandong Province has seen state-owned enterprises leading the way in data asset accounting, with the Shandong High-Speed Group reporting a data asset value of 3.51 million yuan and an assessed value exceeding 72 million yuan [2][3] - The reluctance of private enterprises to engage in data asset accounting is attributed to high costs, low returns, and operational complexities [2][3] Group 2: Challenges in Data Market Development - The article identifies several challenges, including a lack of active participation from enterprises, an immature data market, and insufficient infrastructure for data operations [3][4] - Shandong has established regional data trading institutions, but its trading volume of 220 million yuan is significantly lower than that of leading cities like Shenzhen and Shanghai [5][6] - The absence of a provincial-level public data operation platform hinders the development of a robust data market ecosystem in Shandong [6][7] Group 3: Data Security and Trust - Concerns regarding data security and the establishment of a trusted data space are highlighted as critical issues for the industry [7][8] - The need for a trusted data space is emphasized to ensure data can be shared and utilized securely, with various types of trusted spaces being proposed [8][9] Group 4: Revenue Distribution and Coordination - The article discusses the importance of coordinating interests across departments and levels for effective data utilization and revenue distribution [10][11] - A proposed revenue-sharing model in Qingdao suggests that 50% of the revenue generated from public data operations would be reinvested into supporting data resource management [10][11]

数据开放方面，济南市已向社会开放数据目录3545个，累计开放企业、人口等公共数据24.7亿条，有效赋能经济社会发展。例如，济南 市大数据局在济南公共数据开放网开发了一款"泉城商业选址"应用，创业者可以用于判断开店位置的人口分布和同行业分布情况，便于 选址。 公共数据授权运营方面，公开遴选第一批36家公共数据授权运营机构，梳理编制174项授权运营公共数据资源清单，开发了270余款数据 产品。例如，依托"泉融通"平台推进公共数据在金融领域应用，已服务113家金融机构，实现授信800亿元。 数字政府方面，通过数据有效支撑，济南市民生数字化应用更加普及，数字化治理服务水平大幅提升。例如，基于医保大数据开展标签 画像，精准实现退休医保待遇享受、生育津贴发放等医保服务"政策找人""免申即享"；通过数据共享，建设新一代智慧公积金系统，实 现个人公积金贷款全程网办、秒批秒办。再如，搭建基层数据管理系统，构建"基层数据一张表"，有效减轻基层数据填报负担，以历下 区老年人相关信息填报为例，原来基层需维护相关报表30余个，通过系统报表只需维护1个信息台账即可。再如，依托"交通大脑"调控优 化智能信号灯，核心片区路段日均减少红灯等待 ...