Due to the lack of collateral such as land and real estate, innovative small and medium-sized enterprises are often difficult to get the favor of funds under the traditional credit model. The "14th Five-Year Plan" and the outline of the long-term goal in 2035 propose to improve the financial support innovation system and encourage financial institutions to develop technology and finance products such as intellectual property pledge financing and technology insurance. This means that more and more innovative small and medium-sized enterprises are expected to get "real money and silver" by virtue of intellectual property rights, and their financing channels for development and growth are more abundant, with more RMB. (Reporter Li Yanxia)
Under the traditional credit model, it is often difficult to get the favor of banks. Enterprises that "light assets" lack collateral such as land and real estate. Under the traditional credit model, it is often difficult to get the favor of banks.
Different from the traditional way of applying for loans from financial institutions with real estate as collateral, intellectual property pledge financing refers to a financing method in which enterprises or individuals obtain loans from banks with intangible assets such as patents, trademarks and copyrights owned according to law as collateral.
A patent brought 3 million bank loans.
Ding, the chairman of Zhejiang Taizhou New Energy Technology Co., Ltd., didn't expect that a patent certificate allowed him to get a bank loan of 3 million yuan.
"In the past, loans were mortgaged to banks. I didn't expect that the patent of solar air conditioning obtained through years of painstaking research can also be the basis for loans. This not only solved the capital demand for business development, but also recognized the value of intellectual property rights, which greatly encouraged our innovative enterprises. " Ding said that he has been busy promoting energy-saving and environmental-friendly solar air conditioners all over the country recently.
The person in charge of the relevant departments of the China Banking Regulatory Commission said that banking financial institutions will be guided to explore the business model of intellectual property finance according to their own business characteristics and advantages. Strengthen the guidance for banks to carry out independent evaluation capacity building and build a professional talent team. Guide banks to rely on high-tech industrial parks, focus on supporting innovative and high-tech enterprises, and strive to benefit more small and micro enterprises with intensive intellectual property rights.
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