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 ...