Core Insights - The People's Bank of China Gannan Branch has facilitated the first patent pledge loan in Gannan Prefecture, converting intellectual property into financial support for industry upgrades and increased income for herders [1][2] - Gansu Hualing Dairy Co., Ltd. has developed over 50 high-value products, leveraging its location as the "China Yak Milk Capital," and has transitioned from a regional specialty to a national consumer product [1][2] - The company has faced financial pressures, particularly during the pre-Spring Festival demand peak, necessitating funding for raw material purchases [1][2] Financial Support and Impact - The loan of 20 million yuan was issued through a model combining online intellectual property pledges and guarantees, marking a breakthrough in patent pledge financing in Gannan [2] - The funding is directed towards key areas such as yak milk procurement, ensuring market supply during peak seasons and enabling the company to expand its raw material acquisition [2][3] Economic Benefits for Herders - The company has established a profit-sharing mechanism linking its development with herder income, significantly increasing the purchase price of core raw materials from 1.2 yuan/kg to 66 yuan/kg, resulting in an average annual income increase of over 15,000 yuan for herders [3] - As herder incomes rise, their willingness to spend on consumer goods such as beef, lamb, and specialty dairy products has increased, creating a positive cycle of "industry income—consumption quality" [3] Future Outlook - The People's Bank of China Gannan Branch plans to enhance financial services for leading enterprises and promote the normalization of patent pledge financing, aiming to transform more intangible assets into tangible drivers for rural revitalization [3]

Core Viewpoint - The article highlights the successful implementation of a patent pledge loan to support the development of Gansu Hualing Dairy Co., Ltd., transforming intellectual property into financial resources for industry upgrades and increased income for herders [1][2]. Group 1: Financial Support and Innovation - The People's Bank of China Gannan Branch guided Agricultural Bank of Gannan to issue the first patent pledge loan in the region, amounting to 20 million yuan, marking a breakthrough in patent pledge financing [2]. - The loan was specifically allocated to key areas such as the procurement of yak milk, ensuring market supply during the peak demand season around the Spring Festival [2]. Group 2: Industry Development and Economic Impact - Gansu Hualing Dairy has developed over 50 high-value products, including infant formula and butter tea, leveraging the region's advantages as the "China Yak Milk Capital" [1]. - The company has established a profit-sharing mechanism involving "company + base + cooperative + herders," significantly increasing the purchase price of core raw materials from 1.2 yuan/kg to 66 yuan/kg, leading to an average annual income increase of over 15,000 yuan for herders [3]. - The rising income levels have enhanced the consumption willingness of herders, boosting sales of traditional products like beef, mutton, and specialty dairy items during the festive season, creating a positive cycle of "industry income increase - consumption quality improvement" [3]. Group 3: Future Prospects - The People's Bank of China Gannan Branch plans to continue enhancing financial services for leading enterprises and promote the normalization of patent pledge financing, aiming to convert more intangible assets into tangible drivers for rural revitalization [3].