1、1Outcomes of World Internet ConferenceThink Tank Cooperation Program2025.04Renmin University of ChinaChina Everbright BankResearch Report on Commercial Banks Data Element-BasedFinancial Products and Services23WorkingWorking GroupGroupGroup LeaderYang DongRenmin University of ChinaYang BingbingChina

2、Everbright BankDeputy LeaderHuang DengxiChina Everbright BankHuang YinxuRenmin University of ChinaMembers of the Working GroupPan XuefangChina Everbright BankLi XiaogeChina Everbright BankMou ShuangChina Everbright BankCui XiyueChina Everbright BankZhang HeningChina Everbright BankChen ZheliRenmin U

3、niversity of ChinaMa YangRenmin University of ChinaHe YueRenmin University of ChinaEditorRenmin University of China:Lai QianqianWorking Group contact e-mail:4ContentsI Background and Significance 11.1 Brief Description of the Current Status of Development of theData Elements Market11.2 Significance

4、and Practical Exploration of Financial Servicesfor Data Elements21.3 Exploration of Paths for Commercial Banks to DevelopFinancial Services for Data Elements3II Data Hosting and Management 62.1 Analysis of the Current Status of Data Hosting andManagement 62.2 Exploration of Business Models for Data

5、Hosting,Management and Operation62.3 Exploration of Data Management and Operational Models82.4 Advantages and Challenges for Commercial Banks in DataAsset Custody Business 9III Data Asset Credit 123.1 Overview of Data Asset Credit Operations123.2 Key Issues in Data Asset Credit Operations 133.3 Furt

6、her Development and Promotion of Data Asset CreditOperations14IV Securitization of Data Elements174.1 Background to the Development of the Securitization Business 174.2 Models of Data Asset Securitization174.3 Reflections on the Development of Securitization of DataElements 195ContentsV Financial Ec