上海金融监管局等四部门发文：三方面举措打造知识产权金融生态

Core Viewpoint - The "Action Plan" aims to establish a comprehensive pilot zone for intellectual property finance in Shanghai by the end of 2027, enhancing service efficiency and expanding coverage in intellectual property financing [1] Group 1: Implementation Measures - The plan includes three main measures: enhancing the capability of intellectual property financial services, optimizing the quality and efficiency of these services, and improving the external environment for intellectual property finance [2] - To enhance service capability, the plan emphasizes the need for professional training, improved assessment mechanisms, and the digitalization of intellectual property pledge financing processes [2] - The optimization of service quality involves developing better financial products and strengthening policy effects through improved partnerships and mechanisms [2] Group 2: Addressing Challenges - The plan specifically targets two major challenges in intellectual property financing: the difficulty in valuing intellectual property and the challenges in its disposal [3] - It encourages banks to adopt various assessment methods, including internal evaluations and collaborations with professional institutions, to improve valuation processes [3] - The plan also aims to enhance the standardization of intellectual property value assessments and explore innovative disposal mechanisms to increase transaction activity [3] Group 3: Current Data and Projections - As of the third quarter of 2025, there were 2,395 households with intellectual property pledge loans in Shanghai, representing a 31% year-on-year increase, with a loan balance of 25 billion yuan, up 34% year-on-year [3]