商业银行开展数据资产融资业务的探索及思考  

Exploration and thoughts on commercial banks'data asset financing business

作　　者：钟辉 ZHONG Hui(Sichuan Tianfu Bank)

机构地区：[1]四川天府银行

出　　处：《中国银行业》2024年第11期19-22,6,共5页China Banking

摘　　要：为有效解决数字资产质押业务中存在的问题,需要政府部门、监管机构、金融机构、数据服务商等多方共同努力,尽快明确对数据资产的界定、完善数据资产估值体系、加强风控管理、促进市场接受度和创新业务模式等,不断推动数据资产质押业务的健康发展。With the release of important documents such as the"Three-Year Action Plan of'Data Elements x'(2024-2026)",the"Guiding Opinions on Strengthening the Data Assets Management",the"Interim Provisions on Accounting Treatment Related to Enterprise Data Resources",and the"Opinions on Accelerating the Exploitation and Utilization of Public Data Resources",enormous market opportunities opened up by linking data elements to financial market have attracted multiple parties such as the governments,banks,enterprises,and exchanges.Across the country,new models for incorporating data assets into financial statements are being actively explored,and cases of utilizing data assets for financing have blossomed in many places.Based on the experience of the Sichuan Tianfu Bank,the author analyzes the potential value of data asset financing and introduces relevant business models,focusing on the practice,challenges and solutions of commercial banks in array asset pledge financing.

关 键 词：金融机构 融资业务 数据资产 创新业务模式 数字资产 市场接受度 数据服务 质押 

分 类 号：F83[经济管理—金融学]