Before understanding the patent pledge loan, let's first understand what a patent is. Only by knowing what a patent is, what is the function of a patent? What can it bring to the patentee, so that we can really understand other extension words of patent extension; Patent can be regarded as the performance that the patentee is granted patent protection and enjoys certain rights after successfully applying for a patent according to national laws. The so-called patent is the embodiment of technology. Therefore, patent is a manifestation of intangible assets. Patent pledge loan So what is a patent pledge loan? Simply put, it means that the debtor or the third party takes the patent right as a real right guarantee to guarantee its debt performance. When the debtor fails to perform the debt, the creditor has the right to be paid in priority from the discount, auction or sale of the patent right. If you don't understand, it can be understood as using patented technology as collateral to guarantee the right to obtain loans, but if the agreement between the two parties is not fulfilled, the patent will be punished by the other party. There are many common forms of pledge loan, and patent pledge loan can be said to be a new type of pledge, but there are not many cases of patent pledge loan in China. Common patent pledge loans include houses, cars, or other authoritative certificates. Patent pledge loan is a kind of technical loan. In addition, there are new forms such as investment patents. During the period of patent pledge, the pledgee has absolutely no right to license others to use or transfer the pledge right, and the pledgee only has the right to possess and preserve the right. With the development of economy, patent pledge loans are gradually popularized. In the future, patentees can obtain loans and patent financing through patent pledge, and the importance of patented technology is increasingly prominent. Good patented technology is a cash cow, and patents are actually intangible assets. Patent licensing or patent transfer can enable the patentee to gain a larger patent market and obtain greater returns.