德晟机器人是一家成立于2018年的企业，如今已成长为国家级专精特新"小巨人"企业，专注提供机器人 及高端智能装备、智能数字化车间解决方案，研发的接箍预拧机器人、丝扣自动检测等技术达到行业先 进水平。"公司每年持续增加在产品研发方面的投入，需要稳定的资金流作为支撑。"公司董事长赵胜林 告诉记者。 新华社济南11月19日电（记者李傲秋）高效搬运、精准切割、无缝焊接……在山东德晟机器人股份有限 公司自动化装配车间，智能机器人正有序执行各项任务。 据介绍，科技型企业贷款是邮储银行山东省分行推出的针对优质"专精特新"企业、科技型企业的一款纯 信用贷款产品。今年前10个月，邮储银行山东省分行科技型企业贷款同比增长30.70%。 传统信贷评估更看重厂房、设备、土地等"硬资产"，然而科技企业最宝贵的"家当"往往沉淀于实验室的 专利证书与研发智慧之中。如何合理评估这些"看不见"的资产？如何构建一套科学的评价体系，准确判 断企业的创新能力？近年来，山东加大政银企联动力度，为科技创新型企业注入源源不断的金融活水， 有效带动科技成果转化。 据了解，建行山东省分行启用"技术流"评价体系，从多个维度评估企业知识产权的含金量，包括发明专 ...

Core Viewpoint - The recent joint notification by the Ministry of Finance, Financial Regulatory Bureau, National Intellectual Property Administration, and National Copyright Administration emphasizes the importance of asset evaluation in the utilization and protection of intellectual property (IP) [1][2]. Group 1: Importance of Intellectual Property Evaluation - Asset evaluation plays an indispensable role in the utilization and protection of intellectual property [1]. - As of June this year, the number of valid invention patents in China reached 5.01 million, a year-on-year increase of 13.2%, with a high-value invention patent ownership rate of 15.3 per 10,000 people, marking a new high [1]. - The conversion and utilization of intellectual property are crucial for transforming scientific and technological achievements into productive forces, which is essential for realizing the value of intellectual property [1]. Group 2: Regulatory Framework and Standards - The establishment of a robust intellectual property value evaluation system is necessary to enhance the credibility and public trust in evaluation results [2]. - The China Asset Appraisal Association previously issued guidelines for intellectual property asset evaluation, which cover basic compliance, operational requirements, and disclosure requirements [2]. - The recent measures from regulatory bodies highlight the importance of standardizing intellectual property asset evaluation practices and strengthening supervision and self-regulation [2]. Group 3: Challenges and Quality Improvement - Intellectual property evaluation is often more challenging than tangible asset evaluation, requiring asset appraisal institutions to possess high professional standards and capabilities [2]. - Issues identified in previous evaluations include errors in discount period calculations and improper analysis of the reasonableness of data provided by enterprises [3]. - To improve the quality of intellectual property asset evaluations, collaboration among multiple departments and institutions is essential, creating a transparent and efficient data service platform [3].