银行着力突破知识产权质押融资“价值迷雾”

Core Insights - The value of intellectual property (IP) is highly uncertain and influenced by technology, market demand, industry competition, and legal protection [1][3] - Intellectual property pledge financing is emerging as a solution for technology-based companies lacking fixed assets to secure funding [1][2] - Regulatory bodies are encouraging banks to develop internal evaluation systems for IP value, enhancing the standardization of IP valuation [2][4] Group 1: Intellectual Property Financing - Knowledge property pledge financing has effectively alleviated funding pressures for companies, such as a tech firm in Jiangsu that secured a loan of 3 million yuan to expand production [1][2] - Banks are utilizing IP pledge financing models tailored to the characteristics of "light asset, heavy technology" companies, combining external evaluation data with internal risk control models [2][3] - In Jiangsu province, the amount of IP pledge financing exceeded 65 billion yuan, benefiting over 4,000 small and medium-sized enterprises in the first three quarters of 2024 [2] Group 2: Challenges in IP Valuation - The reliance on third-party asset evaluation institutions for IP valuation leads to significant discrepancies in valuation results, high costs, and lengthy evaluation periods [2][3] - Different evaluation methods employed by various institutions contribute to the valuation inconsistencies, complicating the process for banks [3] - The banking sector traditionally favors fixed asset collateral, resulting in a lower acceptance of intangible asset pledges [3][4] Group 3: Regulatory Initiatives - Regulatory authorities are addressing the challenges in IP valuation by promoting internal evaluation methods within banks, moving from external to internal assessments [4][5] - The implementation of the "Patent Evaluation Guidelines" by China Construction Bank aims to establish a standardized internal evaluation system for IP [5] - A comprehensive pilot program for IP financial ecosystems is set to be launched in several provinces, focusing on enhancing the evaluation framework and encouraging banks to adopt internal assessment methods [5][6]