◇ 作家：钟言
◇ 本文原载《债券》2024年12月刊
陪同新一轮科技编削，数字经济繁茂发展，对经济结构、产业变革乃至社会处理产生真切影响，也为金融行业加速数字化转型、作念好数字金融大著述、发展新质坐褥力提议时期条目。数据是数字时期的基础性、策略性资源，是数字经济的环节坐褥身分。推崇金融数据身分潜能，激励金融创新活力和社会内生能源，是开启数字金融的钥匙，是训诫金融新质坐褥力的引擎。
数据是数字金融发展的庞大驱能源。有别于传统坐褥身分，数据身分具有非竞争性、鸿沟经济、强协同性等性情，概况赋能其他坐褥身分，改变坐褥形貌，提高坐褥甘休。充分挖掘和高效诈欺金融数据身分的乘数效应，不错罢了风险治理及时化、决策撑抓智能化、资源设立精确化，提高金融劳动的甘休和质地，拓宽金融劳动领域，将金融资源更精确地设立到经济社会发展的重心领域和薄弱形貌，兴盛多脉络实体经济需求。
数据治理是促进金融数据身分价值开释的中枢。高效的数据治理体系涵盖以数据处理为中枢的数据资源化，以数据财富估值为中枢的数据财富化，以及种种子的数据安全处理，概况将千里睡的原始数据转机为有价值、体系化的数据财富，造成数据驱动型资源设立和家具劳动体系，让数据在治理进程、业务应用场景中获得抓续深入的利用，并通过数据来去流畅罢了身分商场化设立，充分挖掘与开释金融数据价值，从而罢了果然的数尽其用。
金融基础步调推崇数字变革引颈作用。金融基础步调看成荟萃商场各参与方的“管说念”与“关节”，汇注金融商场数据资源，造成庞杂、各种且充满活力的数据生态系统，是庞大的数据坐褥者、使用者和劳动者。基于中赶快位，金融基础步调通过对数据资源的高效整合和深度挖掘，概况为破解商场信息不合称、金融资源供需周期性失衡等行业经典繁重提供愈加精确的资源设立撑抓，鼓励数据的身分化、商场化、价值化，冲破信息孤岛，推动罢了金融体系开动甘休倍增。
数据是时期的改日，在“十五五”策略机遇期，ag真人百家乐真假金融机构和行业应强化数据念念维，晋升创新鉴定，探索以数据为坐褥身分，以技艺为坐褥器用的金融新业态、更生态和新模式，加速鼓励数字金融发展，建成与数字经济发展高度合适的金融体系，在民众数字化发展大潮中提议中国决议，交出中国答卷！
Unleashing the Vitality of Data Elements and Promoting Digital Finance
Zhong Yan
With the new round of technological revolution， the digital economy is flourishing， which has a profound impact on economic structure， industrial transformation and even social governance． It also requires the financial sector to accelerate digital transformation， promote digital finance and develop new quality productivity． Data is a fundamental and strategic resource in the digital age， and a key production factor of the digital economy． Unleashing the potential of financial data and stimulating financial innovation is key to growing digital finance and cultivating the new quality productivity in finance．
Data is an important driving force for the development of digital finance． Unlike traditional production factors， data features non-competitiveness， economies of scale and strong synergy， which can empower other production factors， change production methods and improve production efficiency． Tapping into and utilizing the multiplier effect of financial data will enable real-time risk management， intelligent decision making and precise resource allocation， thus enhancing the efficiency， quality and scope of financial services to address key areas and challenges in socio-economic development and meet the needs of the multi-level real economy．
Data management is critical in unleashing the value of financial data． An efficient data management system comprises data resource utilization with data governance as the core， data asset valuation and data security governance in all processes． It can transform dormant raw data into valuable and systematic assets， forming a data-driven resource allocation and product/service system． This will allow data to be utilized in management processes and business scenarios， and enable market-oriented allocation of factors through data trading and circulation， thus fully releasing the value of financial data．
The financial market infrastructure （FMI） plays a leading role in digital transformation． Serving as the “pipeline” and “hub” connecting market participants， the FMI gathers financial market data resources to form a vast， diverse and dynamic data ecosystem and thus functions as a crucial producer， user and service provider of data． Based on its neutral position， the FMI can provide more accurate resource allocation support for addressing challenges such as market information asymmetry and cyclical imbalance of financial resource supply and demand through efficient integration and deep mining of data resources． It can run data in a factor-based and market-oriented way to unleash the value of data and enhance the operational efficiency of the financial system．
Data is the key to the future． During the strategic opportunity period of the 15th Five Year Plan， financial institutions and the entire financial industry need to take data as a priority and enhance innovation to explore new business models and ecosystems with data as the production factor and technology as the production tool． In this way， they can accelerate the development of digital finance， build an enabling financial system， and present the Chinese solution to the global agenda of digital development．
◇ Editors： Du Zexia， Lu Ningning
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