Core Viewpoint - The Chongqing Municipal Government has issued an implementation plan focusing on enhancing financial services and infrastructure, particularly in the areas of intellectual property financing and support for elderly services [1] Group 1: Financial Services Enhancement - The plan aims to improve the intellectual property assessment and transaction market, creating an efficient scenario for intellectual property pledge financing [1] - Promotion of the national small and micro enterprise funding flow credit information sharing platform and the national financing credit service platform (Chongqing Station) is included [1] Group 2: Support for Elderly Services - The initiative includes the development of standardized bank card services for rural withdrawals and the optimization of financial basic services for the elderly [1] - There is a focus on promoting age-friendly renovations and enhancing the construction of assistive devices and barrier-free facilities [1] Group 3: Digital Currency and Credit Information - Continuous strengthening of the digital RMB service system and financial infrastructure is emphasized [1] - The plan also aims to better utilize the financial credit information database to enhance the characteristics of credit institutions in various industries [1]

Core Insights - The article emphasizes the critical role of small and medium-sized enterprises (SMEs) in China's economy, contributing over 60% of GDP, 70% of technological innovation, and 80% of urban employment [2] - It highlights the challenges faced by SMEs, particularly in accessing financing due to their asset-light nature and lack of collateral [3][5] - The article discusses innovative financial solutions, such as patent-based loans, that address the unique needs of technology-driven SMEs [6][10] Group 1: Economic Contribution of SMEs - SMEs in China exceed 60 million, with projected revenues for large-scale industrial SMEs reaching 81 trillion yuan by the end of 2024 [3] - The number of technology and innovation-driven SMEs has surpassed 600,000, with over 14,000 specialized and innovative "little giant" enterprises [3] Group 2: Financing Challenges - Technology-driven SMEs often face financing difficulties due to their asset-light structure, where fixed assets account for less than 30% of their total assets [3][5] - Traditional banking practices heavily rely on collateral, making it challenging for these SMEs to secure loans [5] Group 3: Innovative Financial Solutions - 华夏银行 (Huaxia Bank) has introduced "科知贷" (Knowledge Loan), allowing SMEs to use patents as collateral for loans, thus transforming intellectual property into financing credit [6][10] - The bank's approach includes customized financial solutions based on the specific needs of different sectors, such as agriculture and technology [10][11] Group 4: Policy Support and Future Directions - The National Financial Supervision Administration has proposed measures to improve the evaluation and transaction mechanisms for intellectual property financing [7][8] - There is a call for establishing a unified national intellectual property trading database to enhance the market for knowledge products [8]

Group 1 - The event "Knowledge Property Pledge Financing Special Session" was held in Kunming Economic Development Zone, focusing on intellectual property pledge financing [1][3] - The event was organized by the Kunming Market Supervision Administration, with over 100 participants including representatives from small and medium enterprises, financial institutions, and service agencies [3] - The "Economic Development Model" of intellectual property pledge financing has been replicated across Yunnan Province, with 309 cases completed and a total financing amount of 3.406 billion yuan by the end of Q2 [3] Group 2 - In Kunming Economic Development Zone, 69 cases of intellectual property pledge financing were completed, amounting to 806 million yuan [3] - The first plant variety rights pledge financing in the province was completed, along with the signing of a geographical indication pledge contract for "Hekou Banana," marking the first instance of geographical indication trademark pledge loans in Yunnan [3] - A total of over 4.05 million yuan in subsidies has been provided to 31 enterprises through the utilization of superior intellectual property pledge financing policies [3] Group 3 - The cumulative amount of intellectual property pledge financing in Kunming has exceeded 4 billion yuan, with 960 million yuan achieved so far this year [3]

Core Viewpoint - The Tianjin Patent Office has successfully guided the Construction Bank Tianjin Branch to complete the first online, fully paperless patent pledge registration, creating a more convenient and efficient path for intellectual property pledge financing for enterprises [1][2]. Group 1: Background and Challenges - Traditional patent pledge registration processes are cumbersome, requiring extensive paper documentation and multiple visits, which increases costs and limits the development of intellectual property pledge financing [1]. - The Tianjin Patent Office responded to the National Intellectual Property Administration's initiative to promote online, fully paperless processing, collaborating with the Construction Bank Tianjin Branch to explore this new method [1]. Group 2: Implementation and Support - The online, fully paperless patent pledge registration involves key steps in system operation, material requirements, and precautions, with dedicated personnel from the Patent Office providing in-depth analysis and answers to potential issues [2]. - Under the guidance of the Tianjin Patent Office, the Construction Bank Tianjin Branch successfully prepared materials and submitted the patent pledge registration application, with the Patent Office ensuring thorough review and rapid approval of the application [2]. Group 3: Impact and Future Directions - The successful implementation of this online process not only supports the Construction Bank Tianjin Branch in its intellectual property pledge financing but also serves as a model for other banks [2]. - The Tianjin Patent Office plans to continue promoting the online, fully paperless model to more banks, aiming to enhance the efficiency of intellectual property services and contribute to the high-quality development of intellectual property in Tianjin [2].

Core Viewpoint - The Gengyi City Market Supervision Administration has implemented financial support measures to alleviate the financing difficulties faced by small and micro enterprises, achieving over 100 million yuan in cumulative financing through intellectual property pledge financing and certification loans [1][5]. Group 1: Financing Initiatives - The two financing channels, intellectual property pledge financing and certification loans, have collectively exceeded 100 million yuan [1]. - The certification loan product, which uses certification certificates as credit guarantees without requiring physical collateral, offers a maximum credit limit of 20 million yuan and has issued loans totaling 30 million yuan since its launch in June [5][10]. Group 2: Impact on Enterprises - A representative from a specialized technology enterprise expressed gratitude for the "intellectual property loan," stating that it transformed their patents into "active capital" to expand production [5]. - The initiatives successfully convert the technological capabilities and management standards of enterprises into financing "passports" [10]. Group 3: Future Plans - The Gengyi City Market Supervision Administration plans to continue optimizing services and deepen cooperation between government, banks, and enterprises to inject stronger momentum into the private economy [10].

Core Viewpoint - The recent issuance of the "Beijing Intellectual Property Financial Ecosystem Comprehensive Pilot Action Plan" aims to encourage trust companies to engage in intellectual property trusts, providing policy guidance for the development of the industry [1][2]. Group 1: Overall Requirements - The plan emphasizes the importance of financial support for technological innovation and cultural development in Beijing, aiming to enhance the transformation and application of intellectual property achievements [3]. - By 2027, the goal is to establish a convenient, efficient, and well-structured intellectual property financial ecosystem in Beijing, fostering a positive interaction between intellectual property, industry, and finance [3]. Group 2: Specific Tasks - The plan includes measures to streamline the registration process for intellectual property pledges, promoting a fully paperless online registration system and enhancing offline service accessibility [4]. - It encourages the establishment of internal evaluation systems for intellectual property value within commercial banks, promoting the use of standardized evaluation guidelines [6]. - The plan aims to upgrade financial services related to intellectual property, including the development of specialized financial products and services tailored for technology and cultural enterprises [7]. Group 3: Support for Intellectual Property Financing - Financial institutions are encouraged to increase support for key strategic areas and critical technologies, developing specialized financial products for emerging industries [8]. - The plan promotes the establishment of a collaborative mechanism for risk sharing and compensation, enhancing the financial support for intellectual property pledge financing [9]. Group 4: Promotion and Management - The plan outlines the establishment of a pilot work mechanism to coordinate efforts among various departments, ensuring the effective implementation of the intellectual property financial ecosystem [10]. - It emphasizes the importance of publicizing the pilot program to raise awareness among financial institutions and the public, thereby enhancing participation and support [12].

从"一张专利证书"到"千万融资额度"，实现了从"知产"到金融资源的转化。"这笔贷款不仅解决了我们 的燃眉之急，更让我们看到知识产权的真正价值。"企业负责人开心地表示。 近年来，中国工商银行百色分行加大科创行业普惠贷款资源投入，大力推广"科创e贷""工业e贷"等区域 特色产品，以金融创新激活知识产权经济价值，逐步由"资金供应商"转型为企业"成长合伙人"。截至 2025年6月末，该行"专精特新"中小企业贷款余额1.3亿元，较年初增长0.36亿元，增幅达37.52%。下一 步，该行将扩大专利质押融资覆盖面，重点支持新能源、新材料等百色主导产业，为区域构建现代化产 业体系注入金融力量。（方潇） 编辑：赵鼎 转自：新华财经 近期，中国工商银行百色分行为百色某制造业科技公司发放贷款1000万元。本次融资以企业核心专利为 质押增信，结合信用贷款模式，为科技型中小企业开辟了低成本、高效率的融资新路径。 该科技公司为广西2024年第二第三批专精特新、科创企业，主营铝合金导杆（线）、电线电缆、电力设 备的生产销售，产品中含有纳米材料的耐辐照电缆已申请发明专利证书。企业因应收账款周期长导致备 货资金压力较大。工行百色分行主动对接企 ...

Group 1 - The core focus of the 2025 Longgang District Enterprise Service Conference is on multi-dimensional initiatives to empower enterprise development through technological innovation [1] - Longgang District aims to create a systematic empowerment system covering the entire innovation chain and supporting the full lifecycle of enterprises, highlighting its status as a leading industrial area with an industrial output value exceeding 1 trillion yuan [1][3] Group 2 - The establishment of large enterprise open innovation centers is a key initiative, exemplified by China General Nuclear Power Group's public call for research cooperation, providing funding, equipment, and shared results [3] - Longgang District has 48 listed companies and 8 national-level manufacturing champions, which are leveraged to build an open innovation ecosystem [3] Group 3 - The government has innovatively transformed major investment projects into "verification fields" and "order entry" for enterprise innovation products, with a focus on AI and robotics [4] - In the past six months, over 2,000 new technologies have been matched with 80 enterprises across 28 government projects, with a total procurement amount of 6.2 billion yuan [4] - Future plans include 205 government projects with a total investment of 818 billion yuan, aiming for a procurement scale exceeding 10.5 billion yuan [4] Group 4 - Longgang has developed a comprehensive financial service system covering the entire lifecycle of enterprises, including a 50% premium subsidy for technology insurance and innovative insurance products for robotics and AI systems [5] - In the past three years, 522 enterprises have received loans totaling 14.6 billion yuan through intellectual property pledge financing, with a target of exceeding 7 billion yuan by 2025 [5] - The district's guiding fund matrix, totaling 48.1 billion yuan, supports over 1,200 enterprises, focusing on early-stage investments in hard technology [5] Group 5 - Longgang District is committed to creating an innovation community centered on enterprises, with a focus on fostering a favorable technological innovation ecosystem [6] - The district's approach emphasizes a virtuous cycle of demand-driven innovation and innovation-driven industry, providing a "Longgang solution" for technological innovation in Shenzhen and the Greater Bay Area [6]

Core Viewpoint - The Suzhou Patent Agency has been recognized for its continuous achievements in intellectual property services, marking its 14th consecutive year of accolades since its establishment in 2010, and has become a vital public service window for intellectual property in the region [1] Group 1: Achievements and Recognition - The Suzhou Patent Agency has received multiple honors, including "National Intellectual Property Bureau Youth Civilization Award" and "Advanced Collective of Provincial Market Supervision System," reflecting its innovative practices and outstanding results [1] - The agency has evolved from a single service provider for patent document acceptance to a comprehensive "one-stop" service model covering patents, trademarks, integrated circuit layout designs, copyrights, and geographical indications [2] Group 2: Digital Transformation and Innovation - The agency has achieved significant digital transformation, with the electronic application rate for patents rising from less than 10% to 99.8%, and a 100% paperless rate for new patent pledge registrations [2] - Suzhou Patent Agency has initiated a pilot for data intellectual property registration, with several applications recognized as national and provincial exemplary cases, promoting the integration of digital economy and real economy [2] Group 3: Service Expansion and Community Engagement - Since 2019, the agency has been integrated into the Suzhou Market Supervision Bureau, enhancing its organizational foundation and service efficiency [4] - The agency has established workstations in various districts to provide comprehensive intellectual property services, addressing the needs of local enterprises and facilitating direct access to policies [5] Group 4: Service Efficiency and Accessibility - The agency has implemented a "three ones" service model, significantly reducing the processing time for patent pledge registrations from several weeks to just 2 working days [6] - Enhanced service hall functionalities have been introduced, including consultation, rights protection assistance, and self-service areas, improving public access to services [6] Group 5: Integration of Party Building and Business Development - The agency has actively integrated party building with business operations, fostering close communication with enterprises and promoting a culture of respect for knowledge and innovation [7] - In 2023 and 2024, the agency facilitated over 5,600 patent pledge contract filings, with a total pledge amount exceeding 53 billion yuan, demonstrating its commitment to supporting local businesses [7]

Core Viewpoint - The Qingdao government has issued guidelines for the management of interest subsidies for small and micro enterprises using intellectual property (IP) as collateral for loans, aiming to support these businesses in accessing financing through patent pledges [1][2]. Group 1: Implementation Details - The guidelines specify that eligible loans backed by IP will receive interest subsidies equal to 60% of the latest one-year Loan Prime Rate (LPR) as of the loan contract signing date, with a maximum subsidy of 500,000 yuan per enterprise per fiscal year [1]. - The funding for these subsidies will be managed jointly by the Qingdao Market Supervision Administration and the Qingdao Finance Bureau [1]. Group 2: Eligibility Criteria - To qualify for the interest subsidy, enterprises must be independent legal entities that meet the national standards for small and micro enterprises, possess clear and valid patent rights, and have at least one invention patent that is being pledged for the first time [1][2]. - The patent pledge must be registered before the loan is disbursed, and the loan must be repaid according to the contract terms [1][2]. Group 3: Application Requirements - Enterprises must submit a range of documents, including a subsidy application form, patent pledge registration notice from the National Intellectual Property Administration, proof of loan repayment, and relevant contracts [2]. - If the loan involves a combination of patent pledges and other collateral measures, the interest subsidy will be calculated based on the proportion of the patent pledge [2]. Group 4: Fund Management and Compliance - The guidelines emphasize that the subsidy funds must be used strictly for their intended purpose, and any fraudulent activities to obtain government funds will be subject to legal consequences [2].