从申请到放款，全流程线上操作"零跑腿"，仅凭专利技术就可获得最高千万元贷款，这看似不可能 的场景，如今在徽商银行正成为现实。 今年以来，为支持安徽"三地一区"建设，助力产业转型升级和经济高质量发展，徽商银行围绕知识产权高质量 创造、高效益运用、高标准保护、高水平服务,创新开发知识产权价值自评估体系，首创线上质押贷款产品"知 e贷"，并与安徽省市场监督管理局联合启动"知e行"进园区专项活动，携手构建优良知识产权金融生态，正在 全省范围内掀起一场知识产权金融服务新业态。 政银携手，"知e行"铺就融资快车道 紧跟安徽"6178"现代化产业体系建设步伐，徽商银行持续打造科技金融生态圈，全力服务科技创新与产业创新 深度融合发展。针对区域内重点核心产业，政银双方按照"一园一链一表"开展挂图批量对接，锚定上下游关键 节点企业，打通与核心企业的对接通道，为产业高质量发展注入金融活水。 在"中华药都"安徽亳州，中药产业基础雄厚，众多药企手握核心专利，融资窘境时有发生。安徽金国源中药股 份有限公司为亳州知名科技型中小企业、省级专精特新企业，是系列中药饮片质量及工艺流程标准制定的参与 者。企业拥有多项核心专利，在产业升级和智能设备 ...

新华财经上海11月19日电（记者王淑娟）科创助力贷、科创履约贷、新质贷……为了更好满足科技企业 的融资需求，上海银行业的科创专项信贷产品创新清单还在不断拉长。在近期举行的第十九届金洽 会"园区行"闵行紫竹高新园区专场活动上，记者获悉，目前知识产权质押融资已经越来越多成为上海科 技企业融资的一种方式，促进专利资源价值最大化，上海针对知识产权质押业务还推出了相应的贴息政 策。 针对轻资产型科技企业的融资痛点，近两年来，上海持续强化知识产权金融赋能。2024年4月，《上海 市专利转化运用专项行动实施方案》印发。2024年，上海专利商标质押融资登记项目达2223笔，规模共 计320亿元，分别同比增长62.3%和40.6%。 上海紫竹高新区是一座"百亿园区"，连续三年财政收入超百亿元。目前，紫竹高新区内有百名院士、千 名教授、近15万名科技从业人员及在校学生集聚，形成了上海活力的知识创新群落。这里不仅汇聚了众 多行业领军企业，更是科研创新的热土。 金洽会"园区行"为金融和科技企业搭建了沟通的桥梁。上海金融业联合会秘书长助理徐铮镕介绍，目前 上海普惠金融顾问制度已在上海建立了覆盖16个市辖区的普惠金融顾问服务枢纽，与各区 ...

北京商报讯（记者 孟凡霞 周义力）11月18日，银登中心发布《关于做好知识产权质押贷款转让业务的 通知》。 《通知》提到，为落实《知识产权金融生态综合试点工作方案》要求，支持商业银行盘活知识产权质押 贷款，丰富多元化知识产权金融服务，提升知识产权金融服务实体经济质效，银登中心对符合条件的知 识产权质押贷款及其收益权转让业务，提供专门的绿色通道服务。安排专人对接，提供优先受理、优先 备案、全流程指导等服务；对符合条件的知识产权质押贷款及其收益权转让业务，免收质押知识产权所 覆盖贷款规模对应的费用。 ...

Group 1: Financial Services for High-Tech Industries - During the "14th Five-Year Plan" period, the banking and insurance sectors in Beijing have provided over 100 financing and insurance products for local industries [1] - As of September 2025, the loan balance for high-tech industries in Beijing is expected to exceed 1 trillion yuan, with an average annual growth rate of nearly 20% over the past three years, which is 10 percentage points higher than the average growth rate of all loans during the same period [1] - From January to September, the insurance sector in Beijing utilized technology insurance to provide risk coverage exceeding 5 trillion yuan for nearly 4 million enterprises, with premium income doubling year-on-year [1] Group 2: Investment in Financial Asset Companies - Beijing is accelerating the pilot implementation of equity investments by financial asset investment companies, with over 30 projects in reserve and an intended scale of nearly 30 billion yuan, leading the nation [2] - The insurance sector in Beijing has approved pilot projects for long-term investment reforms amounting to approximately 21 billion yuan, with nearly half of the projects already in progress, providing stable funding for high-tech industry development [2] Group 3: Intellectual Property Financial Ecosystem - Beijing is expediting the construction of a comprehensive financial ecosystem for intellectual property, aiming to become one of the first national pilot cities for this initiative [3] - The city has introduced the first overseas insurance for intellectual property, providing risk coverage exceeding 100 million yuan for export enterprises, and the balance of intellectual property pledge loans has increased nearly threefold over the past four years [3] - Beijing has established the first commercial aerospace mutual insurance organization in the country, which has shortened the inquiry and underwriting period for rocket and satellite launch projects by 20% [3] Group 4: Enhancing Financial Services for High-Tech Industries - Beijing is addressing the financing challenges faced by enterprises by establishing the Zhongguancun Science and Technology Financial Service Center, which aggregates quality financial institutions and other stakeholders [4] - The center has processed nearly 30 billion yuan in business over the past three years, with over 90% of the supported entities being specialized and innovative enterprises in key sectors such as software information, artificial intelligence, biomedicine, and energy conservation [4] - The Beijing Financial Regulatory Bureau plans to continue directing more financial resources towards key technology sectors to inject stronger financial momentum into the development of high-tech industries [4]

Core Insights - Jiangsu Province has launched a list of over 70 specialized financial products related to intellectual property (IP) pledge financing and IP insurance, aimed at assisting technology and cultural enterprises in accessing financial services [1] - The provincial IP bureau has been promoting an "Internet + Intellectual Property + Finance" service model, enhancing the standardization and convenience of IP financial services, which has led to over 27,000 IP pledge financing cases amounting to more than 334 billion yuan since the start of the 14th Five-Year Plan [1] - Future efforts will focus on deepening collaboration with financial, copyright, and fiscal departments to provide more efficient and comprehensive IP financial services for the integration of technological and industrial innovation [1]

据悉，本次活动时间为2025年8月至2026年7月，中国银行为本次活动提供100亿元专项额度支持。其 中，为知识产权金融生态综合试点地区，即北京、上海、江苏、浙江、广东、四川、深圳、宁波八个省 份和城市提供50亿元专项额度支持，知识产权质押融资惠及民营经济领域中小企业不少于1000家。活动 期间，中国银行推出三大举措，在成果盘活转化方面，组织开展民营企业专利供需撮合活动，面向对接 成功后的专利技术，提供配套专利产业化融资支持；在综合金融服务方面，重点面向专利产业化促进中 小企业成长样板培育库企业，提供一揽子金融服务解决方案；在重点特色产业方面，聚焦"千企百城"商 标品牌价值提升行动，结合中国银行"一县一策一业"专项工作，推动重点特色产业融资。 本报讯 记者赵萌报道 为落实党中央、国务院关于促进民营经济发展的决策部署，增强民营企业创新发 展能力，近日，中国银行（601988）联合国家知识产权局发布《关于开展知识产权金融服务助力民营企 业高质量发展"知惠行"专项活动的通知》，共同开展"知惠行"专项活动。 ...

中证报中证网讯(记者吴杨)9月12日，记者从北京农商银行获悉，该行把基于生态交易基础的信用重构 与知识产权技术、大模型等人工智能技术创新性地相结合，正式推出"科创智贷"和"科创链贷"两款知识 产权金融生态融资产品。 北京农商银行"科创智贷"和"科创链贷"两款产品，通过在生态交易中挖掘科技型企业核心知识产权价 值，逐步减少对传统财务数据的依赖，辅以宽维数据验证，形成对科技型企业未来视角的风险识别，提 高数据的及时性和真实性。 北京农商银行表示，该行将持续做好金融"五篇大文章"，深化知识产权金融生态服务创新，重点支持新 一代信息技术、人工智能、生物医药、节能环保、数字经济等战略新兴产业。 据了解，科技型企业普遍存在轻资产、高成长、高风险、高投入的特征，对于科技型企业来说，知识产 权往往是其主要资产，尤其是科技型企业的核心专利、知名商标或优质版权等核心知识产权。知识产权 一般具有无形性、非标性和非独立性的特点。如何研判和审视知识产权的价值，拓宽未来视角的风险识 别，这与银行贷款未来偿债能力的研判息息相关。 产业化程度较高的知识产权，通常对应企业核心业务或产品，且已形成订单、流水等交易数据，这些数 据既印证了知识产权 ...

Core Viewpoint - The event aims to promote the innovative path of intellectual property (IP) financial services to support the high-quality development of private enterprises in Fujian Province, with a focus on transforming IP into assets for technology companies [1][2]. Group 1: Event Overview - The "Knowledge Benefit Action" event was held in Fuzhou High-tech Zone, gathering over 100 representatives from financial institutions, universities, and technology companies to explore IP financial service innovations [1]. - The "High-tech Knowledge Loan" product was launched, allowing technology companies to secure loans up to 10 million yuan based on IP collateral, filling a gap in the region's financing products [1][3]. Group 2: Company Participation and Impact - Ten companies, including Yongfu Huineng, signed credit agreements with China Bank Minhou Branch, showcasing the practical benefits of IP financing [2]. - Huada Zhifang's chairman expressed enthusiasm for the timely funding, which will be used for building an intelligent spinning laboratory and digital transformation, highlighting the effectiveness of previous investments [2]. Group 3: Financial Support and Future Plans - As of the end of August, China Bank Fujian Branch has provided 46.057 billion yuan in credit support to 1,973 technology companies, demonstrating a commitment to addressing financing challenges for tech firms [3]. - Future plans include enhancing the efficiency of IP financial services to support the innovative development of private enterprises, optimizing service effectiveness, and improving information sharing between government, banks, and enterprises [4].

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].