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].

Core Insights - The "Shenzhen-Hong Kong-Guangzhou" innovation cluster has surpassed the "Tokyo-Yokohama" cluster to become the world's top innovation cluster according to the World Intellectual Property Organization (WIPO) [1][2] - The "Macau-Zhuhai" innovation cluster has made it to the global top 100 list for the second consecutive time, highlighting the strong vitality of technological innovation in the Guangdong-Hong Kong-Macao Greater Bay Area [1] Summary by Sections Innovation Cluster Rankings - The "Shenzhen-Hong Kong-Guangzhou" cluster is now ranked first globally, indicating a significant achievement in innovation [1] - The "Macau-Zhuhai" cluster's inclusion in the top 100 for the second time reflects ongoing innovation efforts in the region [1] Intellectual Property Development - Guangdong has established 573 high-value patent cultivation centers and 1,243 national intellectual property advantage demonstration enterprises [1] - Over 445 projects have been initiated to promote intellectual property cooperation in the Greater Bay Area [1] Patent Applications and Financial Impact - Seven companies from Guangdong are among the top 50 global PCT patent applicants for 2024, with Huawei maintaining its position as the world's number one for seven consecutive years [2] - The Greater Bay Area's nine cities ranked fifth globally in PCT international patent applications for 2024, emphasizing the importance of high-quality patent reserves for economic development [2] Patent Utilization and Financing - Guangdong's patent transfer and licensing actions reached 692,700 instances during the 14th Five-Year Plan period, leading the nation [2] - The province saw an increase of 830.55 billion yuan in patent and trademark pledge financing, benefiting 16,700 enterprises [2] Future Directions - The Guangdong market regulation (intellectual property) system aims to enhance high-value patent cultivation and utilization, optimize market mechanisms, and improve the efficiency of innovation results transformation [2]

Core Viewpoint - The innovation capability in China's western region, particularly in Shaanxi Province, has been continuously improving, making it a significant area for the high-quality development of intellectual property (IP) [1] Group 1: Intellectual Property Achievements - As of June this year, Shaanxi Province has 125,000 valid invention patents and 879,000 valid trademark registrations, along with 96 geographical indication products, indicating accelerated release of IP utilization benefits [2] - The province is leveraging its rich educational resources and complete industrial system to enhance the core competitiveness of industries such as new information technology, new energy, and artificial intelligence [2] Group 2: Regional Economic Development - The "Zhashui Black Fungus" has become a significant industry supporting rural revitalization, with a total output value of 1.33 billion yuan, showcasing how IP can drive regional coordinated development [3] - Shaanxi Province is focusing on 34 key manufacturing industry chains to promote innovation resource integration and support the development of the real economy through patent navigation [3] Group 3: Knowledge Property Financial Utilization - The province has been deepening technology finance reforms and enhancing the financial utilization of IP, aiming to promote the industrialization potential of patents [4] - Initiatives include the establishment of the "Qin Zhi Loan" risk compensation fund, which provides up to 50% risk compensation for loans under 30 million yuan for small and micro enterprises [4] - Shaanxi Province has 15 companies listed on the Science and Technology Innovation Board, highlighting its role as a pilot province for major reforms in the national multi-level capital market [4]

Group 1 - The "biopharmaceutical pipeline pledge financing" model is a key tool for innovative drug development companies to obtain large, relatively low-cost, non-dilutive funding, effectively revitalizing core intangible assets and accelerating R&D and commercialization processes [1][2] - The Shanghai Technology Exchange has implemented this financing model in the Shanghai region and is promoting it nationwide, alongside other financial innovations to support intellectual property transformation and protection [1][2][4] - The financing model involves comprehensive evaluation of pharmaceutical pipelines based on market demand, competitive landscape, and commercialization prospects, providing scientific and fair value empowerment for companies [2][3] Group 2 - Shanghai banks have explored various new financial service models around intellectual property transformation, including patent and trademark pledge financing, and have successfully facilitated significant financing amounts [4][5] - As of June this year, the amount of patent and trademark pledge financing registered in Shanghai reached 132.28 billion yuan, a year-on-year increase of 29.33%, benefiting numerous enterprises [5] - The introduction of proactive credit granting and lower interest rates in the new financing products for patent-intensive enterprises marks a shift from traditional financing models, significantly improving efficiency and convenience for companies [6][7] Group 3 - The establishment of a company-operated intellectual property service trust in Shanghai represents an innovative approach to monetizing intellectual property, allowing for asset protection and management of funds for technology innovation enterprises [9][10] - The first market-oriented knowledge property securitization project in Shanghai allows companies to obtain direct financing through bond issuance, providing a more efficient alternative to traditional pledge financing [11] - Shanghai has become one of the eight national pilot zones for intellectual property financial ecosystems, with plans to implement comprehensive measures to enhance the development of intellectual property finance [11]

Core Viewpoint - The news highlights the progress and achievements of Shaanxi Province in building a strong intellectual property (IP) system, showcasing its innovative practices and work results in enhancing IP creation, utilization, protection, and management services [1][2]. Group 1: Intellectual Property Development - As of June 30 this year, Shaanxi has 125,000 valid invention patents and 879,000 valid trademark registrations, along with 96 geographical indication protected products [1]. - The province has implemented the "Lingxi" plan for patent transformation, effectively promoting the conversion of intellectual property from "laboratory" to "production line" [1]. - Shaanxi has completed comprehensive IP legislation in the western region and is advancing the construction of Xi'an as a national IP strong country demonstration city [1]. Group 2: Innovation and Technology Transfer - A total of 83 universities and research institutions in the province have identified nearly 90,000 existing patents, with 63,000 entering the national convertible patent resource database [1]. - The province is exploring new models for IP financing, such as "patent + geographical indication" and "data assets + trademark" combinations [1]. Group 3: Business Environment and Protection - Shaanxi is focusing on optimizing the business environment by establishing a provincial-level IP protection system with 46 projects and creating overseas IP rights protection assistance stations in the UK and Kazakhstan [2]. - The province is enhancing regional coordinated development by promoting the use of IP in key industrial chains and implementing projects that combine geographical indications with culture, tourism, and intangible cultural heritage [2]. Group 4: International Cooperation - Shaanxi is actively expanding its "friend circle" by establishing high-level IP cooperation mechanisms across regions and building an international cooperation and exchange platform for IP along the Belt and Road [2]. - The continuous improvement of innovation capabilities in western regions like Shaanxi is recognized as a significant part of China's high-quality development in the field of intellectual property [2].

Group 1: Core Insights - The article highlights the significant role of the financial industry in supporting Shenzhen's economic development, especially as the city celebrates the 45th anniversary of its economic special zone [1] - It emphasizes the commitment of China Merchants Bank Shenzhen Branch to serve the local economy and its proactive approach in implementing national strategies [1] Group 2: Financial Support for Enterprises - A technology company in Bao'an District received a credit loan of 2.55 million yuan within three days to address cash flow issues, showcasing the bank's efficiency in providing timely financial support [2] - From January to June 2025, the bank ranked first in the city for the issuance of small and micro enterprise startup guarantee loans, indicating its strong position in the local market [2] Group 3: Innovation in Financial Services - The bank is breaking traditional credit constraints by transforming intellectual property into tangible assets, as demonstrated by its support for a design company that received increasing credit limits over the years [3][4] - In the first half of 2025, the bank completed intellectual property pledge financing amounting to 3.813 billion yuan, leading the industry in Shenzhen [4] Group 4: Pension Financial Services - The bank has played a crucial role in enhancing pension financial services in Shenzhen, with a net increase of 609 million yuan in corporate annuities by July 2025, ranking first in the system [5] - The bank's long-term commitment to managing pension funds for workers in the Shekou Industrial Zone reflects its dedication to supporting the pioneers of China's reform and opening-up [6][7] Group 5: Green Finance Initiatives - The bank successfully launched the first green asset-backed commercial paper in the Guangdong-Hong Kong-Macao Greater Bay Area, aimed at supporting renewable energy projects [8] - This innovative financial product not only optimized the company's financial structure but also reduced its debt ratio by 0.5 percentage points, demonstrating the bank's commitment to sustainable finance [8] Group 6: Digital Transformation in Banking - The bank is enhancing its quality control processes through digital financial solutions, shifting from reactive to proactive measures in customer service [9] - The ongoing digital transformation aims to improve operational efficiency and customer experience, positioning the bank as a leader in the financial industry [9] Group 7: Customized Financing Solutions - The bank is actively supporting Chinese enterprises in their global expansion by providing tailored financing solutions, including RMB financing and currency swaps [10] - A recent case involved a central enterprise that benefited from a customized financing plan, resulting in significant cost savings during refinancing [10]