政策红利下融资新路径：中小企业如何激活企业“沉睡资本”？

Core Insights - The recent government policies aim to alleviate the financing difficulties faced by small and medium-sized enterprises (SMEs) by introducing new financing channels, particularly through supply chain finance, intellectual property (IP) pledge financing, and data asset financing [1][13] - The dual support policy enhances traditional credit support while encouraging innovative financing tools tailored for asset-light technology enterprises, reflecting the government's commitment to SME development [1][13] Group 1: New Financing Methods - Intellectual property pledge financing allows SMEs to use their patents and trademarks as collateral to secure loans, transforming intangible assets into capital [4][13] - Data asset financing enables companies to leverage their data assets, such as customer and operational data, to apply for loans, marking a new financing avenue in the digital economy [6][7] Group 2: Implementation and Case Studies - In 2024, a Shenzhen-based AI company successfully secured millions in loans through IP pledge financing, demonstrating the effectiveness of this method in providing critical funding for technology advancement [4] - Cities like Changsha, Wuhan, and Shenzhen have reported successful cases of data asset pledge financing, showcasing the potential of this financing method [7] Group 3: Considerations for Enterprises - Companies must be aware of the complexities involved in IP pledge financing, including the need for timely payment of annual fees and proper registration of similar trademarks [9] - For data asset financing, accurate data valuation and rights confirmation are crucial, often requiring third-party services for precise assessment [9] Group 4: Role of Professional Service Institutions - Professional service institutions play a vital role in assisting SMEs with the complexities of IP pledge and data asset financing, offering comprehensive services from evaluation to risk management [11][13] - Companies like Zhongju Qifu provide integrated services that align with national policy directions, helping SMEs navigate financing processes and optimize supply chain structures [11]