“知产”变“资产”！中山工行专利质押“贷”动企业加速跑

Core Viewpoint - The article highlights how the Industrial and Commercial Bank of China (ICBC) Zhongshan Branch utilizes patent pledges to enhance financing for technology enterprises, exemplified by the launch of the "Yueke e-loan" product, which addresses the funding challenges faced by innovative companies in a competitive market [1][4]. Group 1: Challenges Faced by Enterprises - A specific office equipment company in Zhongshan, established in 2019, has seen revenue growth to approximately 8.8 million yuan due to strategic adjustments and market expansion, yet it faces significant cash flow pressures due to its innovative "light asset" operational model [2]. - The company's previous experience in the industry highlighted the need for substantial inventory purchases, leading to cash flow challenges, which were exacerbated by its reliance on concentrated raw material procurement [2]. Group 2: Solutions Provided by ICBC - ICBC Zhongshan Branch initiated a "thousand enterprises, ten thousand households" outreach program, which allowed them to identify the unique value and financing challenges of the office equipment company [3]. - The bank recognized that the company's lack of physical assets could be offset by its valuable intellectual property, leading to the development of a tailored financial product, "Yueke e-loan," which leverages core patent technologies as a key financing enhancement method [4]. Group 3: Impact of Financing - Following the approval of the financing solution, ICBC successfully disbursed 1 million yuan to the office equipment company, alleviating liquidity pressures in raw material procurement and supporting the smooth operation of its innovative business model [5]. - The successful implementation of "Yueke e-loan" not only resolved immediate financial issues for the company but also serves as a replicable financial model for other technology enterprises, with ICBC committed to continuously innovating financial products and services to support local tech development [5].