When the borrower applies for a pledge loan, the pledge patent right must have been granted by China National Intellectual Property Administration according to law, and there is a patent right for invention, utility model or design; The remaining validity period of the pledged invention patent shall not be less than 10 years, and the remaining validity period of the utility model patent and the design patent shall not be less than 5 years; Pledged patent does not belong to national defense patent; The patent project 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; Do not allow others to implement it, or allow others to implement it without legal disputes. In addition, the borrower should also meet the following conditions: the enterprise has operating performance for more than two years (inclusive) and has been profitable continuously in the last two years; Abide by the credibility and have the ability to repay the principal and interest; The legal representative has no bad credit record; Except for an enterprise legal person that does not need to be approved and registered by the industrial and commercial department, the industrial and commercial department shall handle the annual inspection procedures.
It is reported that in principle, the maximum amount of patent pledge loans does not exceed 30% of the patent evaluation value.