上海金融监管局：全方位推进知识产权金融生态综合试验区建设

Core Viewpoint - The Shanghai Financial Regulatory Bureau, along with other local authorities, has issued an action plan to enhance the knowledge property financial ecosystem, aiming to establish a comprehensive pilot zone by the end of 2027, with significant improvements in service capabilities and coverage in knowledge property financing [1][6]. Group 1: Action Plan Objectives - The action plan aims to create a convenient, efficient, and well-structured knowledge property financial ecosystem in Shanghai by 2027 [6]. - It seeks to significantly enhance the service capabilities of knowledge property financing and expand its coverage, with a goal for the growth rate of pledge loan balances to exceed that of technology loans in the region [6]. Group 2: Implementation Measures - Three main areas of implementation are outlined: 1. Enhancing the capability of knowledge property financial services through professional training, improved assessment mechanisms, and digitalization of pledge registration [2][7]. 2. Optimizing the quality and efficiency of knowledge property financial services by developing better products and strengthening policy effects [2][7]. 3. Improving the external environment for knowledge property financing by establishing standardized evaluation criteria and enhancing transaction activity [2][7]. Group 3: Focus on Challenges - The action plan addresses two major challenges in knowledge property financing: the difficulty in valuing intellectual property and the challenges in its disposal [3][8]. - It encourages banks to adopt diverse evaluation methods and emphasizes the importance of a standardized approach to valuation and disposal [3][8]. Group 4: Specific Measures and Outcomes - Specific measures include the issuance of multiple documents to enhance the knowledge property financing service system, the establishment of a professional team, and the implementation of a full lifecycle management system [4][9]. - As of Q3 2025, the number of knowledge property pledge loan accounts in Shanghai reached 2,395, a year-on-year increase of 31%, with a loan balance of 25 billion yuan, reflecting a 34% increase [4][9].