金融机构推出了创新信贷产品"Token贷"，将企业在AI业务中产生的词元消耗量作为授信评估的重要依据1。这一产品覆盖算力产业链上中下游企业，目前仍在小范围试水阶段1。
招联首席经济学家董希淼认为，词元消耗量是AI企业业务活跃度的直接映射，相比传统的厂房和设备评估方式，这种指标对于评价轻资产的AI企业更加有效1。江苏银行相关业务负责人表示，授信评估并非仅依据词元消耗量，还需综合考量算力算效、应收账款、营业收入、知识产权等多方面情况1。邮储银行研究员娄飞鹏将其定位为"科技金融向新兴产业延伸的探索性实践"1。
不过，专家也指出了潜在风险。董希淼提醒，词元采集、验证、审计目前缺乏统一标准，相关风控模型尚未经历完整经济周期的检验1。
Chinese financial institutions have introduced an innovative lending product called "Token Loan," which leverages the token consumption volume generated by AI enterprises' business operations as a key metric for credit evaluation 1. This approach represents a shift in how lenders assess the creditworthiness of asset-light artificial intelligence companies.
According to experts, token consumption serves as a direct indicator of an AI enterprise's business activity level 1. Dong Ximiao, chief economist of Zhao Lian Finance, stated that "token consumption volume is a direct reflection of an AI enterprise's business vitality" 1. The credit assessment framework incorporates multiple dimensions, however. A Jiangsu Bank official explained that the evaluation process also includes computing power efficiency, accounts receivable, operating revenue, and intellectual property 1. Lou Feipeng, a researcher at Post Savings Bank, characterized this initiative as "an exploratory practice in extending technology-focused finance into emerging industries" 1.
The product currently remains in small-scale pilot testing across the computing power industry chain 1. Experts have identified potential risks. Dong Ximiao pointed out that token collection, verification, and auditing currently lack unified standards, and the associated risk control models have not been tested through a complete economic cycle 1.
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