清晨的中越边境互市贸易区人声鼎沸，边民黄女士刚通过龙州农商银行"汇小二"服务队办完跨境结算， 便笑着在跨境电商平台上下单了越南水果和本地农资。"以前做边贸业务，带现金跨境既不安全又麻 烦，去市区银行排队要大半天，遇到语言不通更是着急。"黄女士的感慨道出了过往边民的困扰。如 今，"汇小二"服务队把柜台搬到了边境集市、村口巷尾，边民10分钟就能办完结算业务，双语客户经理 还会现场讲解汇率走势、跨境结算政策，让边民买卖更省心、更放心。 滋养"广西智造"创新沃土 桂林智神信息技术公司的生产车间里，机械臂精准运转，即将发往欧洲、东南亚的云台设备整齐码放， 包装上的"广西制造"字样格外醒目。这家深耕智能影像设备领域的科创企业，拥有60余项国内外专利， 却因为2000万元周转资金成为制约其"出海"的拦路虎。关键时刻，桂林漓江农合行的客户经理主动上门 走访，深入车间了解生产流程、研判技术前景，突破传统信贷模式束缚，创新推出知识产权质押贷款方 案，仅用7个工作日便完成审批放款。 截至2025年10月末，广西农商联合银行已累计陪伴500多家桂企扬帆出海，精准对接新能源、电子信 息、高端制造等战略性新兴产业，累计办理跨境人民币结算 ...

Core Viewpoint - Intellectual property (IP) is increasingly recognized as a valuable financing tool for innovative enterprises, driving the prosperity of the real economy through innovative financing models [1][3] Group 1: Intellectual Property Financing - IP pledge financing is a common and widely applied method, allowing companies to use their patents, trademarks, and copyrights as collateral to secure loans from financial institutions [1][3] - This financing method opens new channels for innovative companies that possess core technologies and well-known brands but lack fixed asset collateral [1] Group 2: Valuation and Assessment - A professional evaluation agency is required to assess the value of a company's intellectual property to determine its reasonable pledge value, considering factors such as technological innovation, market prospects, and legal status [3] - For instance, a startup with advanced biopharmaceutical patent technology can secure a significant loan from a bank by using its patent as collateral after a precise valuation [3] Group 3: Economic Impact - IP financing has profound significance for innovative enterprises and the overall economic development, breaking the traditional reliance on fixed assets and enabling asset-light companies to obtain funding based on their knowledge assets [3] - This approach accelerates the transformation and industrialization of innovation results, enhancing market competitiveness [3] - On a macro level, it helps optimize the allocation of financial resources in China, guiding funds towards innovative sectors and promoting the deep integration of technology, culture, and finance [3] Group 4: Future Outlook - With the continuous improvement of China's IP protection system, the enhancement of evaluation mechanisms, and further innovation in financial markets, IP financing is expected to flourish in broader fields and more diverse forms [3] - It will serve as a powerful engine for the growth of innovative enterprises and the realization of the goal of becoming a strong IP nation [3]