知识产权价值评估难题待解

Core Viewpoint - The establishment of the "Beijing Intellectual Property Financial Ecosystem Comprehensive Pilot Action Plan" aims to promote the transformation and utilization of intellectual property (IP) results, enabling companies to leverage their IP for financing, thus fostering a virtuous cycle between technological innovation and financial services [1][2]. Group 1: Pilot Program Implementation - The pilot program is being implemented in several regions including Beijing, Shanghai, Jiangsu, Zhejiang, Guangdong, Sichuan, Shenzhen, and Ningbo, with steady progress and a series of achievements reported [1]. - A key aspect of the pilot program is the fair assessment of intellectual property value, which has historically been a challenge between technology companies and financial institutions [1][2]. Group 2: Challenges in IP Valuation - Unlike tangible assets such as real estate, the value of intellectual property is difficult to assess, complicating subsequent processes such as loan approvals and determining loan amounts [2]. - The lack of professional technical talent within banks and the instability of assessments from third-party institutions have created bottlenecks in intellectual property finance [2]. Group 3: Recommendations for Improvement - It is recommended that government departments play an active role in providing data, models, and system support for IP valuation, and that regions explore the establishment of intelligent models for IP value assessment [2][3]. - Commercial banks are encouraged to adopt internal assessments for IP pledge loans below 10 million yuan and to gradually expand the scope of internal evaluations [3]. - Targeted policies should be introduced to address challenges such as "registration difficulties" and "disposal difficulties," including the establishment of specialized disposal platforms and enhancing the activity of IP transactions [3].