Core Viewpoint - The article highlights the increasing importance of intellectual property (IP) financing in helping technology-driven small and medium-sized enterprises (SMEs) overcome funding challenges, particularly through the use of patents and trademarks as collateral for loans [1][3][4]. Group 1: Importance of Intellectual Property Financing - Intellectual property serves as a crucial bridge between innovation and market application, facilitating the transformation of technological achievements into productive forces [1]. - Many technology SMEs face financing difficulties due to their asset-light nature and lack of physical collateral, which limits their access to bank loans [2][3]. - The banking sector is actively exploring IP pledge financing models to assist these companies in unlocking their intangible assets and addressing their funding challenges [3][4]. Group 2: Growth of IP Pledge Loans - In 2024, Chinese banking institutions issued a total of 255.57 billion yuan in IP pledge loans, marking a year-on-year increase of 33.4%, with the number of loan recipients rising by 23.4% to 26,545 [4]. - Specific cases illustrate the successful implementation of IP pledge loans, such as a technology company in Hunan receiving a 10 million yuan loan to support its R&D and market expansion efforts [1][3]. Group 3: Expansion of Pledgeable IP Assets - The range of pledgeable IP assets has been expanding, with banks now including various forms of IP such as trademarks, copyrights, and geographical indications in their evaluation systems [5][6]. - Innovative financing solutions, such as using trade secrets as collateral, have emerged, exemplified by a medical device company in Wuhan securing a 1.2 million yuan loan [6]. Group 4: Challenges in IP Valuation - The valuation of IP remains a significant challenge for banks, as reliance on third-party assessment can lead to discrepancies and delays in the loan process [7]. - Regulatory bodies are encouraging banks to develop internal valuation systems for IP to enhance efficiency and accuracy in the financing process [7][8]. - By the end of last year, a major bank had evaluated over 400,000 patents using an internal assessment method, with a total estimated value of nearly 300 billion yuan, improving the precision of funding allocation to technology enterprises [8].

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 ...

下一步，兰州市市场监管局高新分局将持续搭建银企对接平台，增加银企凝聚力，为银企做好牵线搭桥 工作，扩大知识产权质押融资规模，促进知识产权价值实现，真正为中小微企业创新创业服务解决融资 困难，助力企业高质量发展。(完) 中新网甘肃新闻5月27日电 为进一步提高知识产权质押融资普及度和惠及面，助力企业做大做强，推动 知识产权高质量发展，近日，兰州市市场监管局高新分局联合兰州市知识产权服务中心、中国银行高新 区中心支行、高新区知识产权质押融资需求企业召开高新区企业知识产权质押融资政银企对接会，促进 知识产权与金融深度融合，帮助企业激活"无形"资产。 对接会上，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质押融资奖补 政策、申报条件、办理流程做详细介绍，中国银行高新区中心支行负责人介绍了针对企业知识产权质押 的银行金融产品。6户参会企业对运营情况、融资项目和专利质押融资需求逐一进行了介绍。针对企业 提出的融资需求，银行面对面解答并做好后续跟踪服务。银行与3家企业现场达成意向性融资授信协 议，金额3000万元。 会议现场，兰州市市场监管局高新分局副局长表示，知识产权质押融资是盘活企业"知产"变" ...

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]

Core Insights - The continuous advancement of artificial intelligence (AI) technology is expected to enhance the efficiency and credibility of intellectual property (IP) pledge financing, enabling small and micro technology enterprises to convert innovative technologies into market value more rapidly [1][8]. Pain Points in IP Pledge Financing - Pain Point 1: Valuation of intellectual property is often unclear, as it is difficult to assess compared to tangible assets like real estate. Market factors, evaluation methods, and lack of authoritative references contribute to this challenge [2][3]. - Pain Point 2: Information disclosure is inadequate, with many small tech firms providing vague financial reports that lack detailed information about specific patents or trademarks, making it hard for financial institutions to assess risks accurately [2][3]. - Pain Point 3: Risk control poses a significant challenge, as financial institutions struggle with complex risk assessments, difficulties in disposing of pledged assets, insufficient risk diversification, and challenges in post-loan monitoring [3]. AI Solutions to Financing Challenges - AI Valuation: AI can integrate global patent databases and market trends to create a comprehensive valuation system, improving the accuracy and reliability of IP valuations. This allows financial institutions to have more confidence in asset values [4][8]. - AI Information Disclosure: AI enhances transparency by extracting detailed information from various sources, thus improving trust between enterprises and financial institutions. It can identify discrepancies in reported data, reducing the risk of misinformation [5][6]. - AI Risk Control Models: AI can develop risk monitoring models that continuously assess the legal status and market performance of intellectual property, enabling financial institutions to identify potential risks quickly and adjust financing strategies accordingly [7][8]. International Experiences in IP Financing - United States: AI-driven valuation mechanisms have made patents more reliable as financial assets, with fintech companies developing models that integrate various data sources for accurate valuations [9]. - European Union: The EU focuses on standardization and transparency in IP financing, utilizing AI-assisted platforms to evaluate the value of patents and trademarks effectively [10]. - Japan: The Japanese government promotes a combination of policy guidance and AI technology to create a supportive financing ecosystem for intellectual property [11]. Role of Industry Self-Regulatory Organizations - Standardization of AI Valuation: Industry organizations should lead the development of technical standards for AI valuation to address the lack of unified and objective valuation criteria in IP pledge financing [13]. - AI Trading and Risk Control Platforms: Establishing AI-driven trading platforms can facilitate transactions and enhance risk management for financial institutions [14]. - Strengthening Information Disclosure Mechanisms: Industry organizations should promote standardized information disclosure practices to improve transparency and efficiency in IP pledge financing [15].

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]