● 本报记者 张佳琳 昝秀丽 中国证券报记者7月3日从天津市科学技术局获悉，《天津市科技金融助力新质生产力发展行动方案 （2025-2027年）》公开征求意见，其中提到探索专利权、商标专用权、著作权等知识产权打包质押融 资模式，鼓励银行机构单列科技型企业贷款的信贷规模等举措来增强当地科技型企业的融资便利性，降 低企业的综合融资成本。同时，实施多层次资本市场赋能行动。 探索知识产权 质押融资新模式 方案提到天津市的发展目标是：到2027年，金融支持科技创新的能力和强度明显提升，关键核心技术攻 关项目融资得到有力保障。力争全市科技贷款余额突破万亿元，年均增速高于各项贷款平均增速。 谈及优化科技金融产品服务的具体举措，方案中提到推动知识产权质押融资，探索专利权、商标专用 权、著作权等知识产权打包质押模式。扩大科技型企业首贷、信用贷、无形资产质押贷款投放，拓展无 还本续贷、随借随还等业务。 在传统融资体系中，缺乏固定资产的科技型企业常因抵押难陷入资金困境。而能够盘活企业无形资产的 知识产权质押融资逐渐成为破解这一难题的"金钥匙"。 建设银行相关负责人直言，受知识产权技术密集、专业门槛高等因素影响，银行开展知识产权质押 ...

Core Viewpoint - The article discusses the development of intellectual property (IP) finance in China, highlighting the rapid growth of IP pledge loans and the challenges faced in evaluation, risk control, and disposal of IP assets [2][4]. Group 1: Growth of Intellectual Property Finance - In 2024, banks issued a total of 255.57 billion yuan in IP pledge loans, marking a year-on-year increase of 33.4%, with 26,545 loan accounts, up 23.4% from the previous year [2]. - The article emphasizes the need for better mechanisms to facilitate IP loans, particularly for technology-based small and micro enterprises that often lack sufficient collateral [1][2]. Group 2: Challenges in IP Financing - Major challenges include difficulties in evaluating IP value, risk management, and asset disposal, with the lack of independent evaluation capabilities and high costs from third-party evaluators being significant barriers [2][4]. - The article notes that once IP assets are separated from their original companies, their utility significantly decreases, complicating the disposal process in case of loan defaults [2]. Group 3: Policy Initiatives and Solutions - The National Financial Regulatory Administration and other departments have introduced a comprehensive pilot work plan to address key issues in IP finance, including evaluation, registration, and disposal [4]. - The plan encourages banks to use internal assessments for loans under 10 million yuan and suggests government support in providing data and models for IP valuation [4]. - The establishment of a national unified IP trading database and the cultivation of third-party evaluation institutions are recommended to enhance the professionalism and credibility of IP assessments [3][4]. Group 4: Innovations in Financial Products - Financial institutions are encouraged to develop specialized products for IP pledge financing, extend loan terms, and explore innovative service models such as IP asset-backed securities and financing leases [6]. - The Jiangsu Financial Regulatory Bureau aims to create a robust IP finance ecosystem by 2027, focusing on efficient services and comprehensive rules [6]. Group 5: Successful Case Studies - Several banks, such as the Bank of Communications and Zhejiang Rural Commercial Bank, have successfully implemented IP pledge loan programs tailored to the characteristics of technology-based SMEs, enhancing the evaluation process and simplifying loan applications [7][8]. - In Chongqing, the local financial regulatory body has effectively promoted knowledge value credit loans, benefiting over 500 enterprises with a total loan amount of 1.916 billion yuan [8].

知识产权融资对于创新企业和整个经济社会的发展都有着深远的意义。它打破了传统融资模式下对固定资产的依赖，让那些轻资产但富有创新活力的企业 能够凭借自身的知识资产获得资金支持，加速创新成果的转化和产业化进程，提升企业的市场竞争力。 在实际操作中，首先需要专业的评估机构对企业的知识产权进行价值评估，确定其合理的质押价值。这一过程需要综合考量知识产权的技术创新性、市场 前景、法律状态等多方面因素。例如，一家拥有先进生物医药专利技术的初创企业，通过专业评估机构对其专利价值进行精准评估后，以该专利为质押， 从银行获得了一笔可观的贷款，用于后续的临床试验和产品研发，为企业的进一步发展提供了资金支持。 从宏观层面来看，有助于优化我国金融资源的配置，引导资金流向创新领域，促进科技、文化等产业与金融的深度融合，推动产业结构升级和经济高质量 发展。展望未来，随着我国知识产权保护体系的不断完善、评估机制的日益健全以及金融市场的进一步创新，知识产权融资必将在更广泛的领域、以更多 样的形式蓬勃发展，成为助力我国创新企业腾飞、实现知识产权强国目标的强大引擎。 在创新驱动发展的时代浪潮中，知识产权作为企业重要的无形资产，正逐渐成为一种极具价 ...

此次对接会政银企三方联动共同参与，旨在推动产业政策和金融政策协同发力，紧扣信贷资金"直达基层、快速便捷、利率适宜"目标，切实解决小微企业 融资难、贵、慢问题，打通普惠金融惠企利民"最后一公里"。下一步，兰州市知识产权服务中心将联合相关部门不断宣讲"科技金融超市"各项产品和服 务，通过政策引导、平台搭建、服务优化，持续推动知识产权质押融惠企政策落地落实，切实打通金融机构与企业间的信息壁垒，为兰州经济社会高质量 发展注入新活力。 供稿：知识产权服务中心 谢春燕 杨玲 汪暾 为促进兰州市中小企业健康快速发展，进一步深化政银企三方合作，6月25日，兰州市委金融办、兰州市工信局、兰州市市场监管局和兰州市知识产权服 务中心联合组织举办2025年"一起益企"兰州市中小企业融资对接会。本次对接会吸引了全市50余家中小企业、金融机构及相关政府部门代表参会。会议现 场达成授信意向金额超8000万元，其中科技型企业、专精特新企业成为重点支持对象，标志着兰州市金融支持中小企业发展迈出新步伐。 对接活动现场，市工信局详细解读了2025年兰州市支持企业融资的相关政策；兰州市知识产权服务中心业务科室负责人就知识产权质押融资政策及企业专 利 ...

第4578期三川汇文化科技 2025年6月24日，中国人民银行等六部门联合印发了《关于金融支持提振和扩大消费的指导意见》。其 中，对文化和旅游产业的"精准滴灌"和"靶向支持"尤为引人注目。本文聚焦《指导意见》中涉及文化和 旅游领域的具体举措，深入剖析其如何为文旅产业输送"金融活水"，解读其对行业发展的影响。 作者| 朱嘉（三川汇文化科技主编） 编审| 时光 编辑| 半岛 来源 | 三川汇文化科技 2025年6月24日，（以下简称《指导意见》），这份文件犹如一场及时雨，为消费市场的全面复苏注入 了强劲的金融动力。其中，对文化和旅游产业的"精准滴灌"和"靶向支持"尤为引人注目。 文化和旅游产业作为综合性产业，具有强大的辐射带动效应。其发展不仅能直接创造就业岗位、贡献税 收，还能有效带动餐饮、住宿、交通、零售、农副产品加工等相关产业的发展，形成"一业兴、百业 旺"的良好局面。 《指导意见》通过引导金融资源向文旅产业倾斜，从供需两端强化金融服务，将有助于更好满足消费领 域金融服务需求，推动扩大高质量消费供给，助力释放消费增长潜能。 本文聚焦《指导意见》中涉及文化和旅游领域的具体举措，深入剖析其如何为文旅产业输送"金融 ...

知识产权是种业企业的核心资产之一，但许多企业因缺乏抵押物而面临融资难题。银行可以积极探索开 展知识产权质押融资业务，以种业企业的植物新品种权、专利技术等作为质押物，为企业提供融资支 持。这不仅能解决企业的资金困境，还能激励企业加强知识产权保护和创新。 种业振兴不仅需要单个企业的突破，更需要产业链上下游企业的协同发展。银行可充分发挥金融纽带作 用，推动种业产业链上下游企业协同发展。通过供应链金融模式，银行能够为种业产业链上的供应商、 经销商等提供融资支持，稳定产业链供应体系。同时，银行还可支持种业企业与农业种植大户、农民专 业合作社等建立紧密的利益联结机制，促进种业科技成果转化和推广应用，实现种业产业与农业生产的 协同发展，构建完整的种业产业生态。 日前，农业农村部召开全国种业振兴推进会。会议强调，要切实增强责任感使命感，奋力推动种业振兴 取得重大突破，加快实现种业科技自立自强、种源自主可控，为保障国家粮食安全、加快建设农业强国 提供有力支撑。 种业作为农业的"芯片"，是国家粮食安全的基石。在种业振兴的征程中，银行作为金融服务的重要提供 者，肩负着不可替代的责任和使命。 种业企业的发展离不开金融支持，不同类型的 ...

证券代码：688210 证券简称：统联精密 公告编号：2025-031 深圳市泛海统联精密制造股份有限公司关于 子公司以知识产权质押等方式向金融机构申请授信的公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈 述或者重大遗漏，并对其内容的真实性、准确性和完整性依法承担法律责任。 一、本次交易概述 深圳市泛海统联精密制造股份有限公司（以下简称"公司"）子公司深圳市 泛海统联精密模具有限公司（以下简称"精密模具"）、深圳市泛海统联智能制造 有限公司（以下简称"智能制造"）为拓宽融资渠道，同时降低融资成本，拟向 深圳市高新投小额贷款有限公司（以下简称"高新投小额贷款"）申请融资授信 额度。其中，精密模具以其名下有权处分的一项专利作为质押担保，向高新投小 额贷款申请 2,000.00 万元融资授信额度；智能制造拟向高新投小额贷款申请 投融资担保"）为公司子公司申请上述总计不超过人民币 3,500 万元的授信额度 提供连带责任保证担保，公司控股股东、实际控制人杨虎先生及其配偶王小林女 士对高新投融资担保为公司子公司上述融资提供的担保进行反担保，具体以最终 签署的保证合同为准。上述融资授信额度均用于公 ...

Core Viewpoint - Luzhou Bank is actively exploring new paths for financial support of technological innovation by launching "Intellectual Property Pledge Financing Special Services" to implement the national strategy for strengthening intellectual property and promote a virtuous cycle of "technology-industry-finance" in Luzhou City [1] Group 1: Financial Innovations - Luzhou Bank has introduced the "Jiu Cheng Chan Rong Loan," allowing patents and trademarks to be used as collateral, providing low-cost and efficient financing support to technology enterprises facing financing difficulties due to their asset-light and R&D-heavy nature [2] - The bank has issued intellectual property pledge loans totaling 56 million yuan to 11 enterprises and has reached loan cooperation intentions of 53 million yuan with 5 other enterprises, covering strategic innovation fields such as new materials, electronic information, and equipment manufacturing [2] - In the Nanxi District, Luzhou Bank approved and disbursed a 3 million yuan patent pledge loan on the same day, setting a record for financing service efficiency in the region [2] Group 2: Government and Financial Collaboration - Luzhou Bank has established deep cooperation with government departments, industrial parks, and guarantee institutions to create a virtuous cycle of "policy guidance, financial empowerment, and enterprise benefits" [4] - The government provides interest subsidies of 30% of the loan market quotation rate (LPR) for enterprises using intellectual property pledge financing for the first time, further reducing financing costs [4] - The bank has set up a one-stop service at the Luzhou City Enterprise Comprehensive Service Center, collaborating with various departments to provide services from intellectual property assessment to loan issuance, which has received positive feedback from enterprises [4] Group 3: Impact on Local Economy - Luzhou Bank's innovative financial services are transforming patents and trademarks into accelerators for technology enterprises, facilitating their growth and development [5] - The approach of using intellectual property pledge loans is creating a quick pathway for local technology SMEs to realize the value of their intellectual property, serving as a replicable model for financial services supporting the real economy and high-quality development [5] - Luzhou City is fostering an environment where "innovation has value and intellectual property appreciates," leading to more successful transformations of technological achievements [6]

Core Insights - The Shanghai mayor emphasized the importance of precise credit services and technology financing for tech enterprises, indicating that these are crucial channels for addressing their funding needs [1] Group 1: Credit Services and Financing - By the end of 2024, the loan balance for Shanghai's tech enterprises is expected to approach 1.3 trillion RMB, reflecting a year-on-year growth of 22.6% [1] - The growth rate of loans for small and medium-sized enterprises (SMEs) is even faster, indicating a stronger demand for financing among these companies [1] Group 2: Future Initiatives - The government plans to encourage financial institutions to increase credit allocation to tech enterprises, focusing on adapting to new production factors such as technology, data, and talent [1] - There will be efforts to improve services related to intellectual property pledge financing, employee stock ownership plans, and equity incentive loans, aimed at optimizing incremental credit supply [1] - The goal is to help tech enterprises further reduce financing costs and enhance the convenience of obtaining funds [1]

Core Viewpoint - The Guangdong province is promoting intellectual property (IP) pledge financing products to support innovation-driven enterprises, particularly in Shenzhen, by providing various loan options tailored to the characteristics of light-asset, knowledge-intensive companies [2][4]. Group 1: Financing Products Overview - Shenzhen's regulatory bodies have released a list of over 50 IP pledge financing products from 32 banks, including types such as Sci-Tech loans, IP pledge loans, and R&D loans [2]. - The financing tools are designed to meet the needs of innovation-driven enterprises for unsecured financing and interest subsidies, with most products allowing for online pledge registration [2][4]. - Loan amounts typically range from 5 million to 30 million yuan, with some reaching up to 200 million yuan, and loan terms generally span 1 to 3 years, with a preference for 1-year terms [2][3]. Group 2: Loan Terms and Conditions - Most banks offer monthly interest payments with principal repayment at maturity, while some city commercial banks provide flexible repayment options for loans under one year [3]. - Interest rates are primarily based on the Loan Prime Rate (LPR), with actual annual rates concentrated in the 3%-5% range, and some banks offering a 20 basis point reduction from the LPR [2][3]. - Specific banks, such as Minsheng Bank and Huaxia Bank, have tailored products for high-growth tech companies, with loan amounts up to 200 million yuan and interest rates between 3%-5% [3]. Group 3: Market Impact and Future Outlook - In 2024, Shenzhen's IP pledge financing registration amount is projected to reach 50.421 billion yuan, maintaining the highest registration amount in the province for five consecutive years [4]. - The initiative aims to enhance the valuation of intellectual property, traditionally seen as difficult to appraise, thereby facilitating its use as collateral for financing [4]. - The regulatory bodies encourage innovation entities to utilize the product list to select suitable financial products, aiming to improve the quality of development and accelerate the transformation of IP achievements into practical applications [4].