Enterprises can pledge their intellectual property rights (including patent rights and software copyrights) according to law. According to the evaluation of the professional evaluation agency hired by the bank, if necessary, the evaluation and approval of the government department in charge of science and technology and the intervention of some guarantee companies are needed, and the enterprise can obtain a loan of up to10 million yuan from the bank. When an enterprise applies, it needs to provide relevant certificates and materials of intellectual property rights, as well as a written commitment of the intellectual property right holder to pledge the patent right, as well as a trade contract of the enterprise or relevant materials indicating the use of funds.

To apply for a patent intellectual property pledge loan for mortgage, the following conditions must be met:

1, which has been granted a patent right according to law;

2. The patent right is within the legal validity period;

3, the patent right does not involve national security and confidentiality matters;

4. The patented project that has been granted the patent right is in the substantive implementation stage, and has formed the scale of industrial operation, which has certain market potential and good economic benefits; Other procedures for invalidation of patent rights have not been initiated.

To sum up, intellectual property is an intangible asset. As long as you have exclusive rights, you can mortgage your intellectual property rights.

Legal basis:

Article 395 of the Civil Code of People's Republic of China (PRC)

The following properties that the debtor or a third party has the right to dispose of may be mortgaged:

(a) buildings and other land attachments;

(2) The right to use construction land;

(3) the right to use the sea area;

(4) Production equipment, raw materials, semi-finished products and products;

(5) Buildings, ships and aircraft under construction;

(6) means of transportation;

(seven) other property not prohibited by laws and administrative regulations.

The mortgagor may mortgage the property listed in the preceding paragraph together.

Article 399

The following properties shall not be mortgaged:

(1) Land ownership;

(two) the right to use collectively owned land such as homestead, private plots and private hills, except those that can be mortgaged according to law;

(3) Educational facilities, medical and health facilities and other public welfare facilities of non-profit legal persons established for the purpose of public welfare, such as schools, kindergartens and medical institutions;

(4) Property whose ownership and use right are unknown or controversial;

(5) Property that has been sealed up, detained or supervised according to law;

(6) Other properties that may not be mortgaged according to laws and administrative regulations.