(2) The patentee's credit awareness is low.
(3) The value of patent right is difficult to determine.
(D) it is difficult to realize the patent right
(E) Lack of risk-taking operation mechanism
The first is that the value of patents is difficult to assess. At present, the evaluation of patent rights is mostly based on the evaluation of tangible assets, and the evaluation results are difficult for financial institutions to accept.
At the same time, the pledge right of patent right is a priority right of compensation. However, at present, China's trading platform is not perfect, trading laws and regulations are not perfect, and it is difficult to realize patent trading and pledge rights. Even the pledged patent rights may be worthless due to lack of trading, endangering the interests of financial institutions.
Patent pledge loan refers to a new loan business in which enterprises, economic organizations and individual industrial and commercial households with independent legal personality approved by the administrative department for industry and commerce pledge the property rights of invention patents, utility model patents and design patents granted by China National Intellectual Property Administration according to law, obtain a certain amount of RMB loans from banks, and repay the principal and interest of the loans on schedule.