知产”变“资产

Core Viewpoint - The People's Bank of China (PBOC) Jiangjin Branch is actively promoting intellectual property pledge financing to support the development of technology-based enterprises in Jiangjin and Bishi Districts, enhancing innovation and industrial upgrading. Group 1: Financing Initiatives - The PBOC Jiangjin Branch has guided local financial institutions to explore intellectual property pledge financing models tailored to the asset characteristics of technology-based enterprises [1] - A work plan for the precise management service mechanism of intellectual property pledge financing has been issued, facilitating information sharing among departments [1] - Bishi District has included intellectual property pledge loans in the risk compensation management for small and micro enterprises, providing interest subsidies and fee reductions for eligible companies [1] Group 2: Loan Growth and Impact - As of April 2025, the loan balance for technology-based enterprises in Jiangjin and Bishi Districts reached 22.539 billion and 25.488 billion respectively, with year-on-year growth of 16.26% and 136.26% [1] - Since 2025, a total of 1.38 million yuan has been secured through intellectual property pledge financing for enterprises in Bishi District [2] Group 3: Service Enhancements - The PBOC Jiangjin Branch has established a "Five Bridges" framework to enhance the efficiency of intellectual property pledge financing services [3] - A dedicated technology branch has been set up by Jiangjin Rural Commercial Bank, with a maximum approval authority of 9 million yuan [3] - The average interest rate for newly issued loans to technology-based enterprises has decreased to 2.89%, saving approximately 22.57 million yuan in costs for businesses [3]