金融支持科创：不看“砖头”看专利

Core Insights - The article discusses the increasing importance of intellectual property (IP) as a valuable asset for technology companies in Anhui, highlighting the challenges of evaluating and monetizing these assets for financing purposes [1][2]. Group 1: Financial Innovations - Financial institutions in Anhui are exploring internal assessments of patent values to help technology companies, especially startups and growth-stage firms, convert their intellectual property into pledgeable assets for bank credit support [1][2]. - Huishang Bank has launched the "Zhi e Loan" product, which allows for internal evaluation of intellectual property, effectively reducing the costs and inefficiencies associated with IP pledge loan assessments [2][3]. - Since the launch of "Zhi e Loan," Huishang Bank has provided credit limits exceeding 1.2 billion yuan to nearly 500 technology companies, demonstrating the effectiveness of this new financing model [3]. Group 2: Focus on Core Technology - Financial institutions are shifting from traditional asset-based lending to evaluating companies based on their technological achievements, research teams, and market potential [4][5]. - The collaboration between financial institutions and technology companies is evolving into long-term strategic partnerships, as seen in the case of the collaboration between Industrial and Commercial Bank of China (ICBC) and Dendritic Optical Technology Co., which includes a "joint growth plan" [5][6]. - The loan and investment linkage mechanism has provided a combined funding support of 690 billion yuan to technology companies in Anhui, facilitating their growth and innovation [6][7]. Group 3: Tailored Financial Products - Financial institutions are developing specialized products that cater to the different stages of technology companies, such as "Science and Technology Innovation Joint Investment Loan" for startups and "Digital Innovation Points Loan" for growth-stage firms [7][8]. - The Anhui Financial Regulatory Bureau is initiating a three-year action plan to empower financial support for technological innovation, aiming to create a comprehensive ecosystem for technology finance [7][8].