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.

Second, the application of patent pledge loan materials

1, patent pledge loan project declaration (declaration can be downloaded online);

2, the announcement of the patent right (including instructions, claims, abstract, etc.). );

3. Patent certificate (original and photocopy) and the invoice (original and photocopy) for paying the annual patent fee in that year;

4. Copy of business license and organization code certificate of the enterprise;

5, nearly two years of year-end financial statements;

6. Relevant materials to prove that the patent right has formed industrial operation.

Three, to declare the patent pledge loan to meet the conditions.

1. must be the legal patentee. If there are more than two * * * patentees for a patent right, provide a written document that other * * * patentees agree to pledge;

2, in principle, there are more than two years (including) patent-related business performance and the last two years of continuous profit records, with the ability to repay the principal and interest;

3, good credit, the enterprise and its legal representative, the main business managers have bad credit records; Other credit conditions stipulated by banking financial institutions.

Four, the patent pledge loan reporting period and the expected annualized interest rate.

The term of the patent pledge loan is generally not more than one year. If the term exceeds one year, the lender may require the borrower to re-evaluate the pledged patent right or provide other forms of supplementary guarantee. The expected annualized interest rate of patent pledge loans shall be implemented according to the expected annualized interest rate of loans of the same grade published by the People's Bank of China.