在大数据和云计算技术繁荣创新、人工智能日趋真实的当下,法律制度和规则安排的滞后已成为数字产业快速迭代更新的明显掣肘。本文以数据信托为例尝试进行理论探索,指出利用信托优势更容易发现和实现数据价值,具有相当的前瞻性和创新性,为金融机构探寻大数据时代的发展机遇提供了一条有效路径。随着大数据的价值被公众及市场广泛认知,数据资产已经成为业界理论与实践聚焦的新热点。相较于活跃的数字产业发展,数据资产的权利制度安排相对滞后。尽管我国 At a time when big data and cloud computing technologies are thriving and innovative, and artificial intelligence is becoming more and more realistic, the lag in legal systems and regulatory arrangements has become a clear impediment to the rapid iteration of the digital industry. This paper tries to make theoretical exploration by using data trust as an example. It points out that it is more prospective and innovative to find and realize data value more easily by using the trust advantage, which provides an effective way for financial institutions to explore the development opportunities in the era of big data. As the value of big data is widely recognized by the public and the market, data assets have become the new focus of the industry’s theory and practice. Compared with the active development of the digital industry, data asset rights system is relatively lagging behind. Despite my country