（速新闻记者 孙安）8月18日上午，在位于宿豫区的宿迁澳中玻璃股份有限公司生产车间内，工人正加 紧生产一批高档玻璃移门。作为一家拥有7项发明专利的国家高新技术企业，该公司目前95%的产品远 销海外。然而，就是这样一家技术实力突出的企业，此前却因融资渠道有限，发展一度受阻。 "我们曾多次尝试利用专利进行融资，但因为找不到合适途径，始终未能成功。"该公司董事长何志权坦 言。 转机出现在今年初。宿豫区相关部门在"企业大走访"活动中主动对接企业，全程指导企业通过知识产权 质押获得融资。"预计公司新增1000万元流动资金贷款，这对公司来说，无疑是雪中送炭。"何志权说。 宿豫区市场监督管理局知识产权科科长蔡同春介绍，他们在走访调研中发现，辖区内不少科技型中小企 业存在"知识产权闲置"问题。 "企业大量专利等轻资产未能有效转化运用。我们通过精准服务，努力帮助企业破解'融资难'。"蔡同春 说。 目前，宿豫区有效发明专利总量达1107件，其中高价值专利705件，占比达63.68%。"这无疑是一座尚待 深挖的富矿。"宿豫区有关部门负责人表示，将继续强化与金融机构、担保公司及专业服务机构的协 作，通过举办政银企对接会、开展"送政策 ...

"中小企业能办大事"，放眼我国经济版图，超6000万户中小企业遍布千行百业，贡献了我国60%以上的 GDP、70%以上的技术创新、80%以上的城镇劳动就业，小微企业更是不计其数。然而，滋养这片"毛 细血管网络"并非易事，五花八门的痛点、千差万别的行业，让普惠金融服务常常陷入"想帮却难帮到点 上"的困境。 日前，南方都市报社、湾财社携手中国人民大学中国普惠金融研究院，共同启动"中国普惠金融行"专题 系列报道，呈现鲜活生动的普惠金融服务案例、模式，探索数字时代普惠金融创新路径，栏目本期采访 华夏银行。 作为总部位于北京、辐射全国的股份制银行，华夏银行的做法"接地气"。既带着团队扎进市场一线，把 科技企业的专利价值、农户的种植周期、商户的交易流水摸得门儿清，又针对不同群体的痛点"量身定 制"方案。这种"笨功夫"和"实在心"将金融活水化成涓涓细流，让金融服务真正贴着产业走、跟着需求 变。 截至目前，中国累计培育科技和创新型中小企业超60万家，专精特新中小企业超14万家，专精特新"小 巨人"企业1.46万家。"小巨人"企业平均研发投入强度达7%，平均授权发明专利22项，高于同规模企 业。 然而，在这片生机勃勃的"创新沃 ...

Group 1 - The event "Knowledge Property Pledge Financing Special Session" was held in Kunming Economic Development Zone, focusing on intellectual property pledge financing [1][3] - The event was organized by the Kunming Market Supervision Administration, with over 100 participants including representatives from small and medium enterprises, financial institutions, and service agencies [3] - The "Economic Development Model" of intellectual property pledge financing has been replicated across Yunnan Province, with 309 cases completed and a total financing amount of 3.406 billion yuan by the end of Q2 [3] Group 2 - In Kunming Economic Development Zone, 69 cases of intellectual property pledge financing were completed, amounting to 806 million yuan [3] - The first plant variety rights pledge financing in the province was completed, along with the signing of a geographical indication pledge contract for "Hekou Banana," marking the first instance of geographical indication trademark pledge loans in Yunnan [3] - A total of over 4.05 million yuan in subsidies has been provided to 31 enterprises through the utilization of superior intellectual property pledge financing policies [3] Group 3 - The cumulative amount of intellectual property pledge financing in Kunming has exceeded 4 billion yuan, with 960 million yuan achieved so far this year [3]

Group 1 - The core focus of the 2025 Longgang District Enterprise Service Conference is on multi-dimensional initiatives to empower enterprise development through technological innovation [1] - Longgang District aims to create a systematic empowerment system covering the entire innovation chain and supporting the full lifecycle of enterprises, highlighting its status as a leading industrial area with an industrial output value exceeding 1 trillion yuan [1][3] Group 2 - The establishment of large enterprise open innovation centers is a key initiative, exemplified by China General Nuclear Power Group's public call for research cooperation, providing funding, equipment, and shared results [3] - Longgang District has 48 listed companies and 8 national-level manufacturing champions, which are leveraged to build an open innovation ecosystem [3] Group 3 - The government has innovatively transformed major investment projects into "verification fields" and "order entry" for enterprise innovation products, with a focus on AI and robotics [4] - In the past six months, over 2,000 new technologies have been matched with 80 enterprises across 28 government projects, with a total procurement amount of 6.2 billion yuan [4] - Future plans include 205 government projects with a total investment of 818 billion yuan, aiming for a procurement scale exceeding 10.5 billion yuan [4] Group 4 - Longgang has developed a comprehensive financial service system covering the entire lifecycle of enterprises, including a 50% premium subsidy for technology insurance and innovative insurance products for robotics and AI systems [5] - In the past three years, 522 enterprises have received loans totaling 14.6 billion yuan through intellectual property pledge financing, with a target of exceeding 7 billion yuan by 2025 [5] - The district's guiding fund matrix, totaling 48.1 billion yuan, supports over 1,200 enterprises, focusing on early-stage investments in hard technology [5] Group 5 - Longgang District is committed to creating an innovation community centered on enterprises, with a focus on fostering a favorable technological innovation ecosystem [6] - The district's approach emphasizes a virtuous cycle of demand-driven innovation and innovation-driven industry, providing a "Longgang solution" for technological innovation in Shenzhen and the Greater Bay Area [6]

Core Viewpoint - The Suzhou Patent Agency has been recognized for its continuous achievements in intellectual property services, marking its 14th consecutive year of accolades since its establishment in 2010, and has become a vital public service window for intellectual property in the region [1] Group 1: Achievements and Recognition - The Suzhou Patent Agency has received multiple honors, including "National Intellectual Property Bureau Youth Civilization Award" and "Advanced Collective of Provincial Market Supervision System," reflecting its innovative practices and outstanding results [1] - The agency has evolved from a single service provider for patent document acceptance to a comprehensive "one-stop" service model covering patents, trademarks, integrated circuit layout designs, copyrights, and geographical indications [2] Group 2: Digital Transformation and Innovation - The agency has achieved significant digital transformation, with the electronic application rate for patents rising from less than 10% to 99.8%, and a 100% paperless rate for new patent pledge registrations [2] - Suzhou Patent Agency has initiated a pilot for data intellectual property registration, with several applications recognized as national and provincial exemplary cases, promoting the integration of digital economy and real economy [2] Group 3: Service Expansion and Community Engagement - Since 2019, the agency has been integrated into the Suzhou Market Supervision Bureau, enhancing its organizational foundation and service efficiency [4] - The agency has established workstations in various districts to provide comprehensive intellectual property services, addressing the needs of local enterprises and facilitating direct access to policies [5] Group 4: Service Efficiency and Accessibility - The agency has implemented a "three ones" service model, significantly reducing the processing time for patent pledge registrations from several weeks to just 2 working days [6] - Enhanced service hall functionalities have been introduced, including consultation, rights protection assistance, and self-service areas, improving public access to services [6] Group 5: Integration of Party Building and Business Development - The agency has actively integrated party building with business operations, fostering close communication with enterprises and promoting a culture of respect for knowledge and innovation [7] - In 2023 and 2024, the agency facilitated over 5,600 patent pledge contract filings, with a total pledge amount exceeding 53 billion yuan, demonstrating its commitment to supporting local businesses [7]

Core Viewpoint - The Qingdao government has issued guidelines for the management of interest subsidies for small and micro enterprises using intellectual property (IP) as collateral for loans, aiming to support these businesses in accessing financing through patent pledges [1][2]. Group 1: Implementation Details - The guidelines specify that eligible loans backed by IP will receive interest subsidies equal to 60% of the latest one-year Loan Prime Rate (LPR) as of the loan contract signing date, with a maximum subsidy of 500,000 yuan per enterprise per fiscal year [1]. - The funding for these subsidies will be managed jointly by the Qingdao Market Supervision Administration and the Qingdao Finance Bureau [1]. Group 2: Eligibility Criteria - To qualify for the interest subsidy, enterprises must be independent legal entities that meet the national standards for small and micro enterprises, possess clear and valid patent rights, and have at least one invention patent that is being pledged for the first time [1][2]. - The patent pledge must be registered before the loan is disbursed, and the loan must be repaid according to the contract terms [1][2]. Group 3: Application Requirements - Enterprises must submit a range of documents, including a subsidy application form, patent pledge registration notice from the National Intellectual Property Administration, proof of loan repayment, and relevant contracts [2]. - If the loan involves a combination of patent pledges and other collateral measures, the interest subsidy will be calculated based on the proportion of the patent pledge [2]. Group 4: Fund Management and Compliance - The guidelines emphasize that the subsidy funds must be used strictly for their intended purpose, and any fraudulent activities to obtain government funds will be subject to legal consequences [2].

Core Viewpoint - The Tianjin Municipal Science and Technology Bureau has proposed an action plan to enhance financing for technology-driven enterprises through innovative financial models, including intellectual property (IP) pledge financing, aiming to significantly increase financial support for technological innovation by 2027 [1][3]. Group 1: Financing Innovations - The plan aims to explore new models for IP pledge financing, including bundling patents, trademarks, and copyrights, to improve financing accessibility for technology enterprises and reduce overall financing costs [1][3]. - By 2027, the goal is to exceed CNY 1 trillion in technology loan balances, with an annual growth rate higher than the average for all loans [1][3]. Group 2: Challenges in IP Financing - The complexity and diversity of IP types lead to significant valuation discrepancies, as different institutions may use varying assessment methods, creating uncertainty in IP value [2]. - The lack of fixed assets in technology enterprises often results in financing difficulties, making IP pledge financing a potential solution to unlock the value of intangible assets [1][2]. Group 3: Enhancing Bank Support - The plan encourages banks to separately allocate credit for technology enterprises and delegate approval and pricing authority to technology branches, which could streamline the credit approval process and enhance efficiency [3][4]. - There is a focus on building a talent pool that understands both finance and technology to improve the identification and assessment of technology innovation projects [3][4]. Group 4: Capital Market Development - The establishment of a gradient cultivation system for technology enterprises is proposed, aiming to identify and nurture high-potential technology unicorns and leading enterprises [4]. - The plan includes the encouragement of issuing technology innovation bonds to support financing in strategic emerging industries such as biomedicine and artificial intelligence, enhancing the efficiency and success rate of bond issuance [4][5].

Core Viewpoint - The article discusses the development of intellectual property (IP) finance in China, highlighting the rapid growth of IP pledge loans and the challenges faced in evaluation, risk control, and disposal of IP assets [2][4]. Group 1: Growth of Intellectual Property Finance - In 2024, banks issued a total of 255.57 billion yuan in IP pledge loans, marking a year-on-year increase of 33.4%, with 26,545 loan accounts, up 23.4% from the previous year [2]. - The article emphasizes the need for better mechanisms to facilitate IP loans, particularly for technology-based small and micro enterprises that often lack sufficient collateral [1][2]. Group 2: Challenges in IP Financing - Major challenges include difficulties in evaluating IP value, risk management, and asset disposal, with the lack of independent evaluation capabilities and high costs from third-party evaluators being significant barriers [2][4]. - The article notes that once IP assets are separated from their original companies, their utility significantly decreases, complicating the disposal process in case of loan defaults [2]. Group 3: Policy Initiatives and Solutions - The National Financial Regulatory Administration and other departments have introduced a comprehensive pilot work plan to address key issues in IP finance, including evaluation, registration, and disposal [4]. - The plan encourages banks to use internal assessments for loans under 10 million yuan and suggests government support in providing data and models for IP valuation [4]. - The establishment of a national unified IP trading database and the cultivation of third-party evaluation institutions are recommended to enhance the professionalism and credibility of IP assessments [3][4]. Group 4: Innovations in Financial Products - Financial institutions are encouraged to develop specialized products for IP pledge financing, extend loan terms, and explore innovative service models such as IP asset-backed securities and financing leases [6]. - The Jiangsu Financial Regulatory Bureau aims to create a robust IP finance ecosystem by 2027, focusing on efficient services and comprehensive rules [6]. Group 5: Successful Case Studies - Several banks, such as the Bank of Communications and Zhejiang Rural Commercial Bank, have successfully implemented IP pledge loan programs tailored to the characteristics of technology-based SMEs, enhancing the evaluation process and simplifying loan applications [7][8]. - In Chongqing, the local financial regulatory body has effectively promoted knowledge value credit loans, benefiting over 500 enterprises with a total loan amount of 1.916 billion yuan [8].

Core Viewpoint - The financing matchmaking event in Lanzhou aims to enhance the cooperation among government, banks, and enterprises, facilitating the healthy development of small and medium-sized enterprises (SMEs) in the region, with a focus on technology-driven and specialized enterprises [1][3][5] Group 1: Event Overview - The event attracted over 50 SMEs, financial institutions, and government representatives, resulting in a credit intention amount exceeding 80 million yuan [1][3] - The event featured detailed explanations of financing policies and knowledge property pledge financing policies by relevant authorities [3] Group 2: Financial Products and Services - Financial experts introduced a range of financial products tailored to the actual needs of SMEs, characterized by flexibility, convenience, and favorable interest rates, which garnered significant interest from participating enterprises [3] - Financial departments provided comprehensive financial service solutions for four specialized enterprises, focusing on their technological innovation and intellectual property protection [3] Group 3: Future Initiatives - The event aims to address the challenges of financing difficulties, high costs, and slow processes faced by micro and small enterprises, ensuring that financial support reaches the grassroots level effectively [5] - The Lanzhou Intellectual Property Service Center plans to continue promoting various products and services through policy guidance and platform development to enhance the implementation of intellectual property pledge financing policies [5]

Core Viewpoint - The "Guiding Opinions" issued by the People's Bank of China and six other departments aim to provide targeted financial support to the cultural and tourism industries, facilitating their recovery and growth in the post-pandemic era [2][3]. Group 1: Financing Channels Expansion - The "Guiding Opinions" emphasize the establishment of a multi-channel financing system for the cultural and tourism industries, addressing the fundamental question of funding sources [4]. - Credit support is reinforced as the main channel, with a notable introduction of a 500 billion yuan re-loan aimed at enhancing service consumption in key sectors [5][7]. - The document encourages the issuance of bonds by qualified cultural and tourism enterprises, providing them with new financing pathways and reducing reliance on bank loans [8]. - The introduction of equity financing through government investment funds is encouraged to attract patient capital for long-term projects in the cultural and tourism sectors [9]. Group 2: Financial Product and Service Innovation - The "Guiding Opinions" stress the need for innovative financial products and services tailored to the unique demands of the cultural and tourism industries [10]. - Financial institutions are urged to develop personalized financial services, such as seasonal loans and customized financing packages for specific events [11]. - The introduction of intellectual property pledge financing is highlighted as a solution for light-asset enterprises, allowing them to leverage intangible assets for funding [12]. - Flexibility in loan terms is emphasized to match the investment return cycles of cultural and tourism projects, alleviating initial repayment pressures [13]. Group 3: Infrastructure Support - The "Guiding Opinions" outline a clear financial support framework for the construction of cultural and tourism infrastructure, which is essential for enhancing visitor experiences [15]. - Financial resources will be directed towards projects that improve the quality of cultural and tourism supply, such as modern museums and sports parks [15]. - Financial institutions are encouraged to actively engage with major projects in the cultural and tourism sectors, optimizing loan approval processes to expedite project implementation [16]. Group 4: Insurance Innovation - The "Guiding Opinions" address the need for innovative tourism insurance products to enhance consumer confidence and safety [17]. - Development of targeted insurance products for elderly travelers is emphasized, recognizing the unique needs of this demographic [18]. - The expansion of tourism insurance coverage is encouraged to enhance travelers' willingness to explore, thereby boosting the tourism economy [19].