Core Insights - Weihai Bank's Binzhou branch successfully issued a 10 million yuan loan secured by a company's core patent rights, demonstrating the effective transformation of "technological soft power" into tangible financial resources [1][2] - The financing model represents a new paradigm in the region, integrating intellectual property into asset-based financing, thereby enhancing the financial support for technology-driven enterprises [1] Group 1 - The textile technology company has been focusing on textile dyeing and processing, holding multiple patents that fill industry gaps, but faced financing challenges due to its asset-light model [1] - Weihai Bank's Binzhou branch developed a "technology flow" evaluation system that incorporates R&D investment, patent reserves, and technological barriers into credit assessments, facilitating tailored financing solutions for innovative companies [1] - The bank collaborated with professional evaluation agencies and intellectual property departments to efficiently complete patent value assessments and registration, significantly reducing the loan processing time [1] Group 2 - The successful implementation of the patent pledge loan highlights Weihai Bank's expertise in complex financial instruments and its strategic role in supporting new productive forces [2] - The bank aims to further integrate knowledge-based assets like patents and trademarks into its financial offerings, helping more technology leaders overcome financing obstacles and contributing to high-quality regional economic development [2]
威海银行滨州分行千万专利权质押贷款激活企业“智本”动能