北京市知识产权金融生态综合试点行动方案：研究设立直达基层信贷人员的个人奖励计划

Core Viewpoint - The Beijing Financial Supervision Administration and six other departments have issued a comprehensive pilot action plan for the financial ecosystem of intellectual property, aiming to optimize the internal support mechanisms of commercial banks [1] Group 1: Policy Recommendations for Commercial Banks - Commercial banks are encouraged to develop specialized financial business methods and management systems for intellectual property [1] - The establishment of dedicated institutions for intellectual property finance is promoted, along with the creation of a green channel for business approval and internal funding transfer pricing benefits [1] - Banks are advised to delegate approval authority and utilize regulatory policies such as separate credit plans and tolerance for non-performing loan assessments [1] Group 2: Credit and Risk Management - The plan suggests setting up dedicated credit quotas, risk assessment approval mechanisms, due diligence exemption mechanisms, and performance evaluation systems [1] - Conditional banks are encouraged to explore rapid recognition of due diligence exemptions and a multi-departmental appeal mechanism for non-exempt results [1] Group 3: Performance Evaluation and Talent Development - The introduction of intellectual property financial indicators into existing performance evaluation mechanisms is recommended, along with increasing the weight of these indicators or establishing specific performance evaluation requirements [1] - The plan also emphasizes the need for personal reward programs for grassroots credit personnel and the strengthening of professional talent training and support mechanisms in intellectual property finance [1]