研究机构或者企业将其合法拥有的专利权、商标权、著作权进行转让，或者用于质押融资，前提都是该 项知识产权的价值得到确认。然而，知识产权具有"无形资产"的特点，评估价值并不容易。受技术、市 场、法律等诸多因素影响，知识产权的价值评估具有专业性、复杂性和不确定性，导致"评估难、处置 难"。如何突破价值评估瓶颈，更好发挥资产评估的价值尺度功能，科学、合理地衡量和发现知识产权 资产价值，成为推动知识产权运营转化绕不开的任务。 没有规矩，不成方圆。在制度建设方面，需要建立健全知识产权价值评估体系，提高评估结果的可信 度、公信力。此前，中国资产评估协会发布了《资产评估执业准则——知识产权》，从基本遵循、操作 要求、披露要求等方面对知识产权资产评估进行规范。此次财政部、金融监管总局等部门进一步明确了 规范知识产权资产评估的措施，特别是强调规范知识产权资产评估执业行为、加强评估监督管理和自律 管理等，显示出政策和监管层面对完善、规范知识产权评估的重视。 提高知识产权资产评估科学性、准确性，能够推动知识产权资产价值充分释放。对资产评估行业来说， 这是一片巨大的"蓝海"。在知识产权强国建设道路上，知识产权评估必将发挥越来越大的作用 ...

《政策措施》提到，鼓励银行拓展保单融资增信功能，优化业务办理流程。持续推进服务贸易结算便利 化，指导银行优化诚信合规企业的跨境资金收付手续。对于境内外长期合作的企业间发生的小额、高频 服务贸易业务，鼓励银行优化审核方式，提升资金结算效率。 北京商报讯（记者 孟凡霞 周义力）9月24日，商务部会同中央网信办、财政部等8部门印发了《关于促 进服务出口的若干政策措施》（以下简称《政策措施》）。 《政策措施》还提到，加快知识产权价值评估、交易流转体系建设，完善知识产权交易、质押登记等信 息平台，鼓励银行加强与知识产权第三方资产评估机构合作，提升知识产权价值评估能力。优化知识产 权质押融资服务体系，支持银行业金融机构开展知识产权质押融资内部评估试点，推广专利质押登记全 流程无纸化办理。支持银行对专利权等无形资产的研发提供贷款，允许根据业务特征、运行模式等灵活 安排，满足不同专利研发和转化需求。 ...

Core Viewpoint - The establishment of a comprehensive intellectual property (IP) value assessment system is crucial for transforming "intellectual property" into "assets" and achieving deep integration of technology and finance [1] Group 1: Current Situation and Challenges - The current IP value assessment in China faces high uncertainty, difficulty in revenue forecasting, and a lack of comparable market cases, which affects asset pricing, financing amounts, and financial decision-making [2] - Compared to mature markets like the US and Europe, China's IP financial value assessment system has notable gaps, including insufficient detail in assessment standards and high reliance on individual assessors' judgment, leading to significant result volatility [2] - Key reasons for these challenges include insufficient market transaction information, a lack of interdisciplinary talent, and an inadequate collaborative mechanism among IP management, financial regulatory bodies, and assessment organizations [2] Group 2: Solutions and Recommendations - To address assessment challenges, it is essential to improve standard construction by developing more operational classification assessment guidelines and parameter standards for different types of IP, led by the National Intellectual Property Administration [3] - Encouraging innovation in assessment methods and technologies by integrating big data analysis, AI modeling, and blockchain verification can enhance the reliability of assessment results [3] - Supporting the establishment of specialized IP assessment institutions and cultivating relevant talent through a comprehensive training system will help develop professionals who understand technology, law, and finance [3] - Improving the statistical data and publication mechanisms for IP value can provide real and comparable references for market-based assessments [3]

Core Viewpoint - The establishment of a comprehensive intellectual property (IP) value assessment system is crucial for transforming "intellectual property" into "assets" and achieving deep integration of technology and finance [1][2]. Group 1: Current State of IP Valuation - The modern asset assessment system in China began during the early reform period, primarily focusing on tangible assets, with IP valuation initially serving state-owned enterprises and research institutions [2]. - Over the past decade, the role of IP valuation has shifted from a supporting role to a central role in risk control within financial institutions, as the value of IP as an innovative asset has become increasingly recognized [2][3]. - Challenges in IP valuation include high uncertainty, difficulty in revenue forecasting, and a lack of comparable market cases, which hinder asset pricing and financing decisions [2][3]. Group 2: Challenges in IP Valuation - Insufficient market transaction information and a lack of a transparent pricing data mechanism in the IP trading market limit the effectiveness of market-based assessments [3]. - There is a shortage of cross-disciplinary talent in China, as domestic assessors often lack the comprehensive knowledge of IP law, financial analysis, and risk management that their foreign counterparts possess [3]. - The absence of an efficient information-sharing and standard-building mechanism among IP management, financial regulatory bodies, and assessment organizations hampers the development of a robust assessment framework [3]. Group 3: Proposed Solutions - The National Intellectual Property Administration should lead the development of more actionable classification assessment guidelines and parameter standards for different types of IP, enhancing the credibility of assessment results [4]. - Innovation in assessment methods and technologies should be encouraged, incorporating big data analysis, AI modeling, and blockchain verification to support reliable valuation models [4]. - There is a need to establish a comprehensive training system for IP valuation professionals, integrating IP knowledge into ongoing education and promoting the development of interdisciplinary talent [4].

Core Viewpoint - The establishment of the "Beijing Intellectual Property Financial Ecosystem Comprehensive Pilot Action Plan" aims to facilitate the transformation and utilization of intellectual property (IP) results, enabling companies to leverage their IP for financing, thus promoting a virtuous cycle between technological innovation and financial services [1][2]. Group 1: Pilot Program Implementation - The pilot program is being implemented in several regions, including Beijing, Shanghai, Jiangsu, Zhejiang, Guangdong, Sichuan, Shenzhen, and Ningbo, with steady progress and a series of achievements reported [1]. - Key measures in the pilot program include detailed actions in registration, evaluation, disposal, and compensation of intellectual property [1]. Group 2: Challenges in IP Valuation - A significant challenge in the pilot program is the fair evaluation of intellectual property value, which has historically been a barrier between technology companies and financial institutions [2]. - The inability to assess IP value complicates subsequent processes such as loan issuance, loan amount determination, and pricing of funds [2]. Group 3: Solutions and Recommendations - The report suggests leveraging government support in providing data, models, and systems for IP valuation, and exploring the establishment of intelligent models for IP value assessment in certain regions [2]. - Commercial banks are encouraged to adopt internal evaluations or negotiate with enterprises for IP pledge loans below 10 million yuan, while also optimizing evaluation methods and expanding the scope of internal assessments [3]. - To address issues like "registration difficulties" and "disposal challenges," targeted policies should be introduced, such as improving IP transaction mechanisms and building specialized disposal platforms [3].

Core Viewpoint - The establishment of the "Beijing Intellectual Property Financial Ecosystem Comprehensive Pilot Action Plan" aims to promote the transformation and utilization of intellectual property (IP) results, enabling companies to leverage their IP for financing, thus fostering a virtuous cycle between technological innovation and financial services [1][2]. Group 1: Pilot Program Implementation - The pilot program is being implemented in several regions including Beijing, Shanghai, Jiangsu, Zhejiang, Guangdong, Sichuan, Shenzhen, and Ningbo, with steady progress and a series of achievements reported [1]. - A key aspect of the pilot program is the fair assessment of intellectual property value, which has historically been a challenge between technology companies and financial institutions [1][2]. Group 2: Challenges in IP Valuation - Unlike tangible assets such as real estate, the value of intellectual property is difficult to assess, complicating subsequent processes such as loan approvals and determining loan amounts [2]. - The lack of professional technical talent within banks and the instability of assessments from third-party institutions have created bottlenecks in intellectual property finance [2]. Group 3: Recommendations for Improvement - It is recommended that government departments play an active role in providing data, models, and system support for IP valuation, and that regions explore the establishment of intelligent models for IP value assessment [2][3]. - Commercial banks are encouraged to adopt internal assessments for IP pledge loans below 10 million yuan and to gradually expand the scope of internal evaluations [3]. - Targeted policies should be introduced to address challenges such as "registration difficulties" and "disposal difficulties," including the establishment of specialized disposal platforms and enhancing the activity of IP transactions [3].

知识产权的价值具有很大的不确定性，其不仅受技术本身影响，还与市场需求、行业竞争态势、法律保 护强度等因素有关。以商标为例，一个商标在当前市场环境下可能很有价值，一旦出现新的竞争对手或 者消费者偏好发生变化，其价值可能大幅下降。 "知识产权的价值高度依赖技术迭代、市场需求和法律环境，一项专利可能在短期内因行业爆发而增 值，或因技术迭代而贬值。银行本身缺乏细分领域的技术专家和法律团队，难以独立评估知识产权的技 术价值，需要依赖第三方评估机构，这就导致评估难、评估贵、评估慢的现象普遍存在。"一位业内人 士告诉中国证券报记者。 ● 本报记者 张佳琳 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"。 对此，监管部门正积极引导商业银行结合知识产权价值评估标准及智能化评估模型工具，建立知识产权 价值内部评估体系；同时，加强知识产权价值评估标准化建设，助力更多企业实现"知产"变"资产"。 巧引金融活水 "通过知识产权质押融资获得的300万元贷款，有效缓解了公司扩产升级面临的资金压力。"位于江苏省 太仓市太仓港区的某家致力于工业机器人 ...