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资产管理与现实世界资产（RWA）通证化：数据驱动投资的机会与挑战. (2026). 环球经济与管理杂志, 3(1), 1-5. https://doi.org/10.62836/jem.v3n1.1046
资产管理与现实世界资产（RWA）通证化：数据驱动投资的机会与挑战
黎建达
上海财经大学金融学院，上海
摘要：相对于数字经济的快速发展，传统资产管理行业存在流动性不足、投资门槛高、风控效率低等痛点，RWA通证化成为破解路径，而其与数据驱动投资的融合为行业发展开辟新空间。本文剖析RWA通证化发展现状，探究数据驱动投资在优化资产估值、升级风控体系、优化投资组合配置方面的应用机会，同时分析二者融合面临的技术、监管、数据与市场四大挑战，并提出针对性发展建议，为资产管理行业相关主体提供理论参考与实践借鉴。
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[2] Nzuva S M. Smart contracts implementation, applications, benefits, and limitations. Journal of Information Engineering and Applications, 2019.
[3] Rejeb A, Keogh J G, Treiblmaier H. Leveraging the internet of things and blockchain technology in supply chain management. Future Internet, 2019, 11(7): 161.
[4] Ochuba N A, Adewunmi A, Olutimehin D O. The role of AI in financial market development: enhancing efficiency and accessibility in emerging economies. Finance & Accounting Research Journal, 2024, 6(3): 421-436.
[5] Manyika J, Chui M, Brown B, et al. Big data: The next frontier for innovation, competition, and productivity. McKinsey Global Institute, 2011.
[6] Bagby J W, Reitter D, Chwistek P. An emerging political economy of the blockchain: Enhancing regulatory opportunities. UMKC L. Rev., 2019, 88: 419.
[7] Javaid M, Haleem A, Singh R P, et al. A review of Blockchain Technology applications for financial services. Bench Council Transactions on Benchmarks, Standards and Evaluations, 2022, 2(3): 100073.
[8] Dong S, Abbas K, Li M, et al. Blockchain technology and application: An overview. PeerJ Computer Science, 2023, 9: e1705.
[9] Xia N, Zhao X, Yang Y, et al. Exploration on real world assets (RWAs) & tokenization. arXiv, 2025, 2503.01111.
[10] Dimitropoulos G. The law of blockchain. Wash. L. Rev., 2020, 95: 1117.
[11] Moin S, Karim A, Safdar Z, et al. Securing IoTs in distributed blockchain: Analysis, requirements and open issues. Future Generation Computer Systems, 2019, 100: 325-343.
[12] Aziza R. Developing Securities Markets in Sub-Saharan Africa: Does it Matter? 2020 Available at: SSRN 3664380.