◇ 作者：钟言 ◇ 本文原载《债券》2024年12月刊 随同新一轮科技反动，数字经济发达开展，对经济构造、工业变更以致社会管理发生深远影响，也为金融行业放慢数字化转型、做好数字金融年夜文章、开展新质出产力提出时期请求。数据是数字时期的基本性、策略性资本，是数字经济的要害出产因素。施展金融数据因素潜能，激起金融翻新活气跟社会内活泼力，是开启数字金融的钥匙，是培养金融新质出产力的引擎。 数据是数字金融开展的主要驱能源。有别于传统出产因素，数据因素存在非竞争性、范围经济、强协同性等特色，可能赋能其余出产因素，转变出产方法，进步出产效力。充足发掘跟高效应用金融数据因素的乘数效应，能够实现危险治理及时化、决议支撑智能化、资本设置精准化，进步金融效劳的效力跟品质，拓宽金融效劳界限，将金融资本更精准地设置到经济社会开展的重点范畴跟单薄环节，满意多档次实体经济需要。 数据治理是增进金融数据因素代价开释的中心。高效的数据治理系统涵盖以数据管理为中心的数据资本化，以数据资产估值为中心的数据资产化，以及各环节的数据保险管理，可能将觉醒的原始数据转化为有代价、系统化的数据资产，构成数据驱动型资本设置跟产物效劳系统，让数据在治理流程、营业利用场景中失掉连续深刻的应用，并经由过程数据买卖流畅实现因素市场化设置，充足发掘与开释金融数据代价，从而实现真正的数尽其用。 金融基本设备施展数字变更引领感化。金融基本设备作为衔接市场各参加方的“管道”与“枢纽”，会聚金融市场数据资本，构成宏大、多样且充斥活气的数据生态体系，是主要的数据出产者、应用者跟效劳者。基于中破位置，金融基本设备经由过程对数据资本的高效整合跟深度发掘，可能为破解市场信息错误称、金融资本供需周期性掉衡等行业经典困难供给愈加精准的资本设置支撑，推动数据的因素化、市场化、代价化，攻破信息孤岛，推进实现金融系统运转效力倍增。 数据是时期的将来，在“十五五”策略机会期，金融机构跟行业应强化数据头脑，晋升翻新认识，摸索以数据为出产因素，以技巧为出产东西的金融新业态、重生态跟新形式，放慢推动数字金融开展，建成与数字经济开展高度顺应的金融系统，在寰球数字化开展年夜潮中提出中国计划，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
