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数据资产化与金融化融合发展的理论机理和实现路径

The Integrated Development of Data Assetization and Financialization:Its Theoretical Mechanism and Implementation Path

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激发数据价值潜能,需要建立金融与数据要素之间的有效关联.数据具有商品属性和金融属性,数据资产化和数据要素金融化是实现数据价值变现的两次关键跃迁,分别衍生出数据信贷、数据信托、数据银行、数据证券化等金融新业态新模式.数据资源化、资产化、金融化是数据要素金融化的实现途径,有助于推动数据要素的高效流通与高质量开发应用.当前,数据要素基础制度还不够完善,但数据要素金融化探索如火如荼,出现了金融"数据"化和"数据"金融化的倾向.建议推动有条件的地方在重点行业开展先行先试数据要素金融化,企业应将重点放在打造数据应用场景上.
To stimulate the potential of data value,it is necessary to establish an effective relationship be-tween finance and data elements.Data has commodity and financial attributes.Data assetization and data financialization are the two key leaps to realize the data value,which have derived new financial formats and models such as data credit,data trust,data banking,and data securitization,respectively.Data resourcelization and productization,data assetization,and data element financialization are ways to real-ize the financialization of data assets,which are helpful to promote the efficient circulation and high-quality development and application of data elements.At present,the basic system of data elements is not yet perfect,but the exploration of data element finance is in full swing,with a trend towards finan-cial"dataization"and"data"financialization.It is not advisable to rush to promote the financialization of data elements.It is recommended to promote pilot projects in key industries where conditions permit,and cautiously explore the digitization and financialization of digital assets.

data resourcesdata elementsdata assetsassetizationfinancialization

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中央财经大学中国互联网经济研究院

数据资源 数据要素 数据资产 资产化 金融化

国家自然科学基金

72373056

2024

延边大学学报(社会科学版)
延边大学

延边大学学报(社会科学版)

CHSSCD
影响因子:0.421
ISSN:1009-3311
年,卷(期):2024.57(3)
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