Group 1 - The Guangdong Provincial Market Supervision Administration, Guangdong Provincial Financial Regulatory Bureau, and Shenzhen Financial Regulatory Bureau have issued a notification summarizing 103 financial products related to intellectual property pledge financing [1] - This initiative aims to provide diversified and precise financial support to various innovative entities, effectively meeting their financing needs related to patents and trademarks [1] - The notification encourages innovation entities, including universities and enterprises, to review the product list and select suitable intellectual property financial products, enhancing risk prevention and improving development quality [1] Group 2 - Since the launch of the comprehensive pilot work for the intellectual property financial ecosystem in Guangdong, there has been an increase in financial services for intellectual property, with nearly a hundred enterprises providing feedback on their financing needs [2] - The provincial market supervision bureau is organizing local market supervision bureaus and relevant units to promote policies related to intellectual property pledge financing and patent transformation through face-to-face interactions with enterprises [2] - The goal is to facilitate precise connections between enterprises and financial institutions, addressing challenges in pledge financing and stimulating new growth momentum for enterprises [2]

Core Viewpoint - The Guangdong Provincial Market Supervision Administration, along with financial regulatory bodies, has released a comprehensive list of 103 financial products related to intellectual property (IP) pledge financing, marking the first time such a compilation has been made public in the province [2][3]. Group 1: Overview of the Notification - The notification aims to bridge the gap between intellectual property and financial capital, addressing the challenges faced by innovative enterprises in converting IP into economic value [3]. - It provides a detailed summary of various financial products, including loan amounts, terms, interest rates, repayment methods, and application processes, enhancing transparency and choice for enterprises [4]. Group 2: Impact on Enterprises - The initiative is expected to meet the diverse financing needs of innovative entities, particularly small and medium-sized tech firms, by allowing them to convert intangible assets like patents and trademarks into liquid capital [6]. - This access to IP pledge financing is anticipated to alleviate funding shortages during research and production phases, thereby promoting technological innovation and market expansion [7]. Group 3: Broader Economic Implications - The measures are likely to stimulate corporate innovation by providing financial support for R&D, encouraging companies to enhance their innovation capabilities and accelerate the transformation of technological achievements [8]. - On a macroeconomic level, the initiative aims to improve the effectiveness of financial services in supporting the real economy, fostering a positive interaction between finance, technology, and industry [8]. - The move aligns with national policies on intellectual property and financial supervision, potentially serving as a model for other regions and contributing to the transition from a "big country" in IP to a "strong country" in IP [8].

Core Insights - The article discusses the transformation of intellectual property (IP) into valuable assets through various initiatives in Chongqing, particularly at the Liangjiang New Area's Mingyue Lake Digital Technology Industry IP Operation Center [1][4] Group 1: Intellectual Property Operations - The Mingyue Lake IP Operation Center has collected and analyzed nearly 3,000 patent supply and demand information, achieving over 100 patent transformations and securing more than 52 million yuan in IP pledge financing this year [1][6] - The center has established a patent supply-demand database to facilitate patent transfers and licenses, and has conducted various activities such as roadshows and training to promote the commercialization of IP [4][7] Group 2: Case Studies of Successful IP Transformation - The West China Research Institute of Computing Technology successfully transferred seven patent technologies to enterprises for over 2 million yuan through the center's facilitation [2] - The Beijing University of Technology's Chongqing Research Institute collaborated with Qiaoan IoT Technology Co., Ltd. to integrate four patents and three software copyrights, valued at 300,000 yuan, into the company, leading to applications in major infrastructure projects [3] Group 3: Financial Support through IP - Chongqing Weizhe Technology Co., Ltd. received nearly 3 million yuan in loans through IP pledge financing, significantly alleviating its financial pressure [5][6] - The center has facilitated over 52 million yuan in IP pledge financing for more than ten companies this year, demonstrating the effectiveness of IP as a financial asset [6] Group 4: Collaborative Initiatives - The center has initiated the establishment of the Mingyue Lake IP Operation Alliance, which currently includes over 70 member units, to enhance collaboration between research institutions and enterprises [7] - The center has also set up various support facilities, including an overseas IP dispute response guidance station and a knowledge protection center, to bolster collaborative innovation and risk management [7]

2025年4月18日，老河口市市场监管局联合中国银行老河口支行组建专项服务团队，深入企业开展实地 调研。湖北香园食品有限公司作为当地食品行业领军企业，拥有15件注册商标，市场知名度较高，但受 传统融资模式制约，在扩大生产规模、推进技术升级时面临资金瓶颈。服务团队根据企业实际需求，量 身定制商标质押融资方案，打通商标质押融资"最后一公里"，助力企业将"知产"转化为 "资产"。 此次商标质押融资的成功获批，为企业注入了一剂"强心针。企业负责人表示，这笔资金不仅解决了燃 眉之急，更让企业深刻认识到知识产权的经济价值。未来，企业将加大研发投入，开发更多高附加值产 品，凭借知识产权优势拓展市场空间。 首例突破，激发知识产权运用活力 本次成功落地的知识产权融资工作，不仅为企业解决了融资难题，激发了企业运用知识产权融资的积极 性和主动性。同时，也为金融机构开展知识产权质押融资业务提供了可借鉴的经验，有助于推动知识产 权与金融资源的深度融合，营造良好的知识产权金融生态。 下一步 近日，老河口市市场监管局与中国银行老河口支行紧密联动，成功为湖北香园食品有限公司完成4000万 元商标质押贷款。标志着我市在知识产权质押融资领域迈出 ...

Group 1 - The event on May 19 focused on "Intellectual Property Safeguarding 'Going Global', Financial Collaboration Leading the Way," providing practical guidance for transforming intellectual property into assets [1] - Intellectual property serves as a crucial bridge for converting technological achievements into productive forces, linking innovation with the market [1] - The city has seen a growing number of technology innovation enterprises, with financial products like "Su Zhi Loan" and "Talent Loan" introduced to facilitate the transformation of intellectual property into assets and patents into profits [1] Group 2 - Jiangsu Bank's Zhenjiang branch has served over 1,000 technology innovation enterprises, with intellectual property-related business exceeding 1 billion yuan [1] - Jiangsu Hanya Organic Farm Co., Ltd., a leading agricultural enterprise, has accumulated 15 patents and established 32 production technology standards, highlighting the importance of intellectual property pledge financing in activating intangible assets and boosting innovation confidence [1] - From January to April this year, the city recorded 79 cases of intellectual property pledge financing, amounting to 1.315 billion yuan, with six companies establishing cooperation with Jiangsu Bank during the event [1] Group 3 - As the city's outward-oriented economy progresses, challenges in the intellectual property sector are becoming more prominent [2] - The city's intellectual property department is actively addressing enterprise needs by providing overseas intellectual property risk response guidance and financial services, helping companies transition from passive to proactive strategies [2] - The department plans to participate in major exhibitions and events, using a combination of online and offline methods to guide exhibitors in self-checking their products and promotional materials to prevent overseas infringement disputes [2]

融资难、融资贵，一直是小微科技企业面临的普遍性问题。近年来，知识产权质押融资作为一种创新的 融资方式，为小微科技企业带来了新曙光，但实际操作中却面临诸多困难：价值评估像"雾里看花"、信 息披露似"盲人摸象"、风险控制"左右为难"。传统方式难以破解这些难题，而人工智能（AI）的崛起， 正为小微科技企业打开一扇全新的大门。 小微科技企业知识产权质押融资"三大痛点" （一）痛点一：知识产权估值"雾里看花"。知识产权不像房产、土地能一眼看清价值，评估时犹如"雾 里看花"。首先是市场因素难控。比如昔日辉煌的塞班系统专利随着安卓和苹果操作系统（iOS）系统崛 起，转眼变得无人问津，价值直线跳水。其次是评估方法问题。例如成本法和收益法在知识产权质押融 资方面都存在一定的局限性。成本法容易高估尚未实现商业转化的专利价值；收益法依赖对未来收益的 主观推测，容易偏差巨大。第三是缺乏权威参照。国内知识产权交易市场尚不完善，找不到充足的类似 案例作为估值参照，价值确定难度极大。 （二）痛点二：信息披露"盲人摸象"。一方面是信息不透明，不少小微科技企业财报仅粗略披露知识产 权整体估值，缺乏具体专利或商标的权属等细节信息；另一方面是信息 ...

Group 1 - The provincial intellectual property bureau has actively promoted intellectual property pledge financing activities, helping enterprises convert intellectual property into assets [1] - From January to March, 11 partner banks provided loans totaling 5.0738 billion yuan to 886 enterprises through the "Su Zhi Dai" program, leading to a total intellectual property financing amount exceeding 16 billion yuan, benefiting 1,492 enterprises [1] - The number of patent and trademark pledge projects reached 1,501, with a financing amount of 10.47 billion yuan, benefiting 1,390 enterprises [1] Group 2 - The provincial intellectual property bureau has initiated the 2025 enterprise intellectual property pledge financing demand information collection to better understand the financing needs of innovative small and medium-sized enterprises [2] - The focus of the information collection includes high-tech enterprises, "specialized, refined, distinctive, and innovative" enterprises, and enterprises with intellectual property advantages, gathering data on financing needs, existing channels, costs, and suggestions [2]

Group 1: Support for Private Enterprises - Zhejiang is a major province for private enterprises, and the Construction Bank's Zhejiang branch has been actively supporting their development through resource allocation and customer service [1] - The bank has created a win-win ecosystem for society, enterprises, and the economy [1] Group 2: Support for Technology Enterprises - The bank has helped companies like Tuoxian Technology break foreign monopolies in high-end polymer materials, providing a credit line of 200 million yuan after thorough research [2][3] - The bank's innovative "intellectual property pledge" model has allowed technology companies to secure financing based on their patents, increasing credit limits as companies grow [2][3] - Tuoxian Technology has established a production line with an output capacity of 10,000 tons, contributing to a new materials industry cluster worth over 10 billion yuan [3] Group 3: Support for Established Enterprises - Wolong Holding Group has transformed from a small motor factory to a large enterprise group with multiple subsidiaries and over 18,000 employees, receiving 550 million yuan in credit support from the bank [4] - The bank has tailored financing solutions for Wolong Electric Drive Group to meet their working capital needs, facilitating their growth in the low-altitude economy sector [4] Group 4: Support for Small and Micro Enterprises - The bank has provided critical support to small businesses like the Tian Tai County Xiangjiao Automotive Products Factory, helping them navigate cash flow challenges [5][6] - The bank's customer managers have implemented personalized financing solutions to prevent financial risks and ensure business continuity [6]

Core Viewpoint - Intellectual property (IP) is essential in daily life, influencing various aspects such as clothing and beverages, highlighting its pervasive presence in society [2]. Group 1: Definition and Types of Intellectual Property - Intellectual property refers to the exclusive rights that individuals or organizations have over their intellectual achievements, including works, inventions, trademarks, geographical indications, trade secrets, integrated circuit layout designs, new plant varieties, and other legally defined objects [3]. - The main types of intellectual property include patent rights, trademark rights, geographical indications, data intellectual property, copyright, new plant varieties, integrated circuit layout designs, and trade secrets [4]. Group 2: Protection Duration of Intellectual Property - Patent rights have varying protection durations: invention patents for 20 years, utility model patents for 10 years, and design patents for 15 years, all calculated from the application date [5]. - Trademark rights are protected for 10 years from the date of approval [5]. - The protection duration for geographical indications depends on the registration form, typically lasting 10 years with the possibility of renewal [5]. - Data intellectual property protection duration varies based on data type and legal regulations, with copyright lasting for the author's lifetime plus 50 years, while trade secrets depend on their confidentiality and value [6]. Group 3: Infringement of Intellectual Property - Infringement actions include unauthorized use of similar trademarks, special signs, patents, and other creative works in production, advertising, and other activities [8]. - Other infringement behaviors involve counterfeiting trademarks, unauthorized registration of similar trademarks, and providing facilities for infringement activities [8]. Group 4: Intellectual Property Pledge Financing - Intellectual property pledge financing allows enterprises to use legally owned patents, trademarks, and copyrights as collateral to obtain loans from banks, addressing funding challenges for technology-based SMEs lacking real estate guarantees [9]. - Eligible for this financing are valid patents and trademarks granted by the National Intellectual Property Office and copyright registration certificates from the National Copyright Administration [9].

一是三方对接" 精准办" 。建立政银企对接机制，定期向市财政局、市发展和改革委员会、国家金融监管总局赤峰监管分局、中国人民银行赤峰分行和各 银行机构及融资担保等31家单位推送《赤峰市优质商标企业名单》《赤峰市知识产权融资需求清单》。其中， 阿鲁科尔沁旗塔山食品有限责任公司作为 赤峰市优质商标企业，经阿旗市场监管局推荐，本次以商标（"塔理山"）质押方式获得了融资。 二是证前指导" 帮您办"。 工作人员主动对接，从了解企业需求入手，靠前指导，与申请人进行"一对一"沟通，主动提供帮助、解答企业疑问，全程指导 申请人准备材料、申报商标质押融资登记，尽可能做到商标质押登记业务企业" 最多跑一次"。同时编制《商标质权登记一次性告知单》，为申请人提供 示范规范文本，确保申请人能"一看就懂、一报就准"。 三是线上预审" 高效办"。 工作人员提供商标质押融资材料预审服务，通过电话、视频、电子邮件等方式进行线上预审，全面提升商标质押登记便捷性、 实效性、高效性，让预审工作"线上跑"、疑难问题"线上解"，实现"数据多 跑路、企业少跑腿"，切实帮助企业提升融资效率、激发创新活力。 供稿：郗源 责编：宋知浩 涉密审核：张广峰 总编：王 ...