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唤醒沉睡“知产” 促科技成果加速转化
Jin Rong Shi Bao·2025-06-10 01:41

Core Viewpoint - The article highlights the increasing importance of intellectual property (IP) financing in helping technology-driven small and medium-sized enterprises (SMEs) overcome funding challenges, particularly through the use of patents and trademarks as collateral for loans [1][3][4]. Group 1: Importance of Intellectual Property Financing - Intellectual property serves as a crucial bridge between innovation and market application, facilitating the transformation of technological achievements into productive forces [1]. - Many technology SMEs face financing difficulties due to their asset-light nature and lack of physical collateral, which limits their access to bank loans [2][3]. - The banking sector is actively exploring IP pledge financing models to assist these companies in unlocking their intangible assets and addressing their funding challenges [3][4]. Group 2: Growth of IP Pledge Loans - In 2024, Chinese banking institutions issued a total of 255.57 billion yuan in IP pledge loans, marking a year-on-year increase of 33.4%, with the number of loan recipients rising by 23.4% to 26,545 [4]. - Specific cases illustrate the successful implementation of IP pledge loans, such as a technology company in Hunan receiving a 10 million yuan loan to support its R&D and market expansion efforts [1][3]. Group 3: Expansion of Pledgeable IP Assets - The range of pledgeable IP assets has been expanding, with banks now including various forms of IP such as trademarks, copyrights, and geographical indications in their evaluation systems [5][6]. - Innovative financing solutions, such as using trade secrets as collateral, have emerged, exemplified by a medical device company in Wuhan securing a 1.2 million yuan loan [6]. Group 4: Challenges in IP Valuation - The valuation of IP remains a significant challenge for banks, as reliance on third-party assessment can lead to discrepancies and delays in the loan process [7]. - Regulatory bodies are encouraging banks to develop internal valuation systems for IP to enhance efficiency and accuracy in the financing process [7][8]. - By the end of last year, a major bank had evaluated over 400,000 patents using an internal assessment method, with a total estimated value of nearly 300 billion yuan, improving the precision of funding allocation to technology enterprises [8].