专利变现惠牧户 新春“钱袋”旺消费

Core Insights - The People's Bank of China Gannan Branch has facilitated the first patent pledge loan in Gannan Prefecture, converting intellectual property into financial support for industry upgrades and increased income for herders [1][2] - Gansu Hualing Dairy Co., Ltd. has developed over 50 high-value products, leveraging its location as the "China Yak Milk Capital," and has transitioned from a regional specialty to a national consumer product [1][2] - The company has faced financial pressures, particularly during the pre-Spring Festival demand peak, necessitating funding for raw material purchases [1][2] Financial Support and Impact - The loan of 20 million yuan was issued through a model combining online intellectual property pledges and guarantees, marking a breakthrough in patent pledge financing in Gannan [2] - The funding is directed towards key areas such as yak milk procurement, ensuring market supply during peak seasons and enabling the company to expand its raw material acquisition [2][3] Economic Benefits for Herders - The company has established a profit-sharing mechanism linking its development with herder income, significantly increasing the purchase price of core raw materials from 1.2 yuan/kg to 66 yuan/kg, resulting in an average annual income increase of over 15,000 yuan for herders [3] - As herder incomes rise, their willingness to spend on consumer goods such as beef, lamb, and specialty dairy products has increased, creating a positive cycle of "industry income—consumption quality" [3] Future Outlook - The People's Bank of China Gannan Branch plans to enhance financial services for leading enterprises and promote the normalization of patent pledge financing, aiming to transform more intangible assets into tangible drivers for rural revitalization [3]