2. Pledged patent rights must be legal and effective, authorized, with strong profitability and good development prospects;
3. If the pledged patent right is a single patent, the patent right has been substantially implemented for at least 2 years (inclusive), and the patent is still in use and profitable when the borrower applies for a loan; If the pledged patent rights are multiple patents, at least 1 patent should have been substantially implemented for more than 2 years (inclusive), and the patent is still in use and profitable when the borrower applies for a loan; Where the patent right has won a patent award at or above the municipal level, the use time of the pledged patent right may exceed 1 year (inclusive);
4. The validity period of the invention patent shall not be less than 8 years, and the existing validity period of the utility model patent shall not be less than 4 years;
5. Patent pledge shall not involve national security and secrets;
6. Other conditions stipulated by commercial banks.
Legal basis: Article 60 of the Patent Law of People's Republic of China (PRC), if a patent is exploited without the permission of the patentee, that is, the patent right is infringed and a dispute arises, it shall be settled by the parties through consultation; Unwilling to negotiate or failing to do so, the patentee or interested party may bring a suit in a people's court or request the administrative department for patent affairs to handle it. When the administrative department for patent affairs finds that the infringement is established, it may order the infringer to stop the infringement immediately. If a party refuses to accept the decision, he may bring a lawsuit to the people's court in accordance with the Administrative Procedure Law of the People's Republic of China within 15 days from the date of receiving the notice of handling. If the infringer fails to prosecute and stop the infringement upon expiration of the time limit, the administrative department for patent affairs may apply to the people's court for compulsory execution. At the request of the parties concerned, the administrative department for patent affairs may mediate the amount of compensation for patent infringement; If mediation fails, the parties may bring a lawsuit to the people's court in accordance with the Civil Procedure Law of People's Republic of China (PRC).