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专利落地生花背后:“梦想家”的金融助力逻辑
Nan Fang Du Shi Bao· 2025-08-18 01:49
Core Insights - The article emphasizes the critical role of small and medium-sized enterprises (SMEs) in China's economy, contributing over 60% of GDP, 70% of technological innovation, and 80% of urban employment [2] - It highlights the challenges faced by SMEs, particularly in accessing financing due to their asset-light nature and lack of collateral [3][5] - The article discusses innovative financial solutions, such as patent-based loans, that address the unique needs of technology-driven SMEs [6][10] Group 1: Economic Contribution of SMEs - SMEs in China exceed 60 million, with projected revenues for large-scale industrial SMEs reaching 81 trillion yuan by the end of 2024 [3] - The number of technology and innovation-driven SMEs has surpassed 600,000, with over 14,000 specialized and innovative "little giant" enterprises [3] Group 2: Financing Challenges - Technology-driven SMEs often face financing difficulties due to their asset-light structure, where fixed assets account for less than 30% of their total assets [3][5] - Traditional banking practices heavily rely on collateral, making it challenging for these SMEs to secure loans [5] Group 3: Innovative Financial Solutions - 华夏银行 (Huaxia Bank) has introduced "科知贷" (Knowledge Loan), allowing SMEs to use patents as collateral for loans, thus transforming intellectual property into financing credit [6][10] - The bank's approach includes customized financial solutions based on the specific needs of different sectors, such as agriculture and technology [10][11] Group 4: Policy Support and Future Directions - The National Financial Supervision Administration has proposed measures to improve the evaluation and transaction mechanisms for intellectual property financing [7][8] - There is a call for establishing a unified national intellectual property trading database to enhance the market for knowledge products [8]