商务部等三部门发布关于加强商务和金融协同，更大力度提振消费的通知。其中提到，扩大服务消费。 完善"1+N"政策措施体系，加大服务消费政策支持力度。结合家政、住宿餐饮、文体娱乐、教育、旅 游、养老托育等重点服务消费发展趋向和特点，创新金融产品和服务，更多嵌入消费场景、融入消费生 态。用好用足服务消费与养老再贷款，激励引导金融机构在自主决策前提下加强对接服务，积极向服务 消费领域和养老领域经营主体发放贷款；建立健全重点企业、项目和活动推介机制，主动向金融机构推 送。扩大知识产权、科技成果等无形资产质押融资服务，丰富适合小微企业的金融产品，发展商业保险 年金、商业健康保险、意外伤害保险等保险产品，提高金融对服务消费的适配性，促进优化服务供给。 ...

Core Insights - The recent government policies aim to alleviate the financing difficulties faced by small and medium-sized enterprises (SMEs) by introducing new financing channels, particularly through supply chain finance, intellectual property (IP) pledge financing, and data asset financing [1][13] - The dual support policy enhances traditional credit support while encouraging innovative financing tools tailored for asset-light technology enterprises, reflecting the government's commitment to SME development [1][13] Group 1: New Financing Methods - Intellectual property pledge financing allows SMEs to use their patents and trademarks as collateral to secure loans, transforming intangible assets into capital [4][13] - Data asset financing enables companies to leverage their data assets, such as customer and operational data, to apply for loans, marking a new financing avenue in the digital economy [6][7] Group 2: Implementation and Case Studies - In 2024, a Shenzhen-based AI company successfully secured millions in loans through IP pledge financing, demonstrating the effectiveness of this method in providing critical funding for technology advancement [4] - Cities like Changsha, Wuhan, and Shenzhen have reported successful cases of data asset pledge financing, showcasing the potential of this financing method [7] Group 3: Considerations for Enterprises - Companies must be aware of the complexities involved in IP pledge financing, including the need for timely payment of annual fees and proper registration of similar trademarks [9] - For data asset financing, accurate data valuation and rights confirmation are crucial, often requiring third-party services for precise assessment [9] Group 4: Role of Professional Service Institutions - Professional service institutions play a vital role in assisting SMEs with the complexities of IP pledge and data asset financing, offering comprehensive services from evaluation to risk management [11][13] - Companies like Zhongju Qifu provide integrated services that align with national policy directions, helping SMEs navigate financing processes and optimize supply chain structures [11]

Core Viewpoint - The article emphasizes the importance of political supervision in promoting the construction of a modern industrial system, focusing on problem-oriented approaches to support traditional and emerging industries [1][2]. Group 1: Traditional Industry Support - The Lai Xi City Discipline Inspection Commission organized a meeting with integrity supervisors from 15 enterprises to discuss challenges in industrial transformation, highlighting issues such as reliance on imported equipment and funding shortages [1][2]. - The Lai Xi City Commission facilitated a successful collaboration between Qingdao Jiulian Group and Qingdao Ruizhi Intelligent Equipment Technology Co., addressing the need for research funding and equipment procurement [2][3]. Group 2: Emerging Industry Development - The Yongkang City Discipline Inspection Commission is actively monitoring the progress of the modern hardware industry service complex project, addressing issues like outdated buildings and land ownership complexities [2][3]. - The Shanghai Jing'an District Discipline Inspection Commission focuses on nurturing emerging industries, utilizing various methods to strengthen supervision over strategic emerging industry clusters and technological advancements [3][4]. Group 3: Financial Support for SMEs - The Jing'an District Commission has initiated "intellectual property pledge financing" services to assist small and micro enterprises facing financing difficulties due to limited tangible assets [4]. - The Mudanjiang City Discipline Inspection Commission is implementing precise political supervision to ensure that innovation funding effectively benefits enterprises, focusing on technology transfer and core technology breakthroughs [5][6]. Group 4: Local Government Initiatives - The Nanyang City Discipline Inspection Commission is actively engaging with local enterprises to monitor policy implementation and service support, particularly in the synthetic biology industry [6].

Core Insights - The article highlights the innovative approach of China Everbright Bank's Hohhot branch in providing financing through intellectual property (IP) pledges, enabling technology companies to convert their patents into funding [1][2] - The bank's initiative addresses the financing challenges faced by many innovative enterprises that lack traditional collateral, thus facilitating their growth and development [1] Group 1 - A technology company in Hohhot received a loan of 5 million yuan based on a single core patent, showcasing the effectiveness of IP pledge financing [1] - The traditional credit model often relies on tangible assets like factories and equipment, leaving many innovative firms with strong technology but insufficient funding [1] - The bank's knowledge property pledge financing service is part of a broader strategy to support the real economy and transform intellectual property into valuable assets for companies [1] Group 2 - China Everbright Bank's Hohhot branch has established a comprehensive service system for IP pledge financing, offering a diverse range of products that include patents, trademarks, and geographical indications [2] - The bank has introduced innovative financing solutions that combine transformation finance with IP pledges, catering to the specific needs of various industries and stages of development [2] - The initiative aims to not only provide financing but also to enhance the intelligence and innovation capabilities of enterprises, ensuring that financial resources flow into innovative sectors [2]

Group 1 - The 25th World Intellectual Property Day event was launched in Zhengzhou, focusing on the theme "Intellectual Property and Artificial Intelligence" [1] - The event aims to showcase the integration and mutual support between intellectual property and artificial intelligence through various activities [1] - Zhengzhou's market supervision administration is collaborating with a financial service platform to enhance financing channels for small and micro enterprises, launching an online intellectual property financing service area [1] Group 2 - A memorandum for cross-departmental cooperation on intellectual property protection was signed to enhance collaborative protection capabilities [2] - The focus is on integrating judicial and administrative protection to improve the intellectual property protection system [2] - During the publicity week, Zhengzhou will utilize online and new media platforms to promote respect and protection of intellectual property [2]

Core Insights - Yuxi City is enhancing its intellectual property (IP) public service supply and innovating financial service models to promote IP pledge financing, facilitating the transformation of "knowledge capital" into "financial capital" for high-quality regional economic development [1][4] Group 1: Financing Projects - In the first quarter, Yuxi City completed 11 IP financing projects with a total financing amount of 63.63 million yuan, marking a strong start to the year [1] - The financing projects are distributed across various regions, with Yimen County completing 3 projects, while Tonghai County, Hongta District, and High-tech Zone each completed 2 projects, and Huaning County and Yuanjiang County each completed 1 project [3] Group 2: Pledge Objects and Financial Institutions - The pledge objects include both patents and trademarks, with 10 patent pledge financing projects involving 72 patents and a financing amount of 56.92 million yuan, and 1 trademark pledge financing project with a financing amount of 6.71 million yuan [3] - Local banks have shown increased participation in IP pledge financing, completing 10 projects with a total financing amount of 46 million yuan, including 9 projects from county-level banks [3] Group 3: Support and Development Initiatives - Yuxi City is leveraging its IP assistance center to help enterprises broaden financing channels and reduce costs, while also conducting IP training to guide companies in converting their IP into financial assets [4] - The government is fostering collaboration among various stakeholders to create a pathway for innovative IP financial services, enhancing the awareness of IP financialization among enterprises [4] - The local government aims to deepen the public service system for IP, strengthen inter-departmental cooperation, and further integrate IP with financial resources to stimulate innovation and contribute to regional economic development [4]