In recent days, the shanghai branch of the shanghai chamber of commerce and industry has been operating on paperless lines in shanghai city's first patent registration。
Shanghai fireworks network technology ltd. Is a state high-tech and specialized new enterprise that provides smart energy solutions based on artificial intelligence technologies. “in the past, r & d-type micro-enterprises, based on patent technology and without collateral, applied to financial institutions for financing that was somewhat weak and efficient. This cooperation with the bank on intellectual property pledge financing through a paperless whole course gives us a deep sense of the ability of the bank to provide efficient professional services and practical financial support for innovation. The online paperless pledge registration of intellectual property rights was completed in only three working days, and millions of dollars of financing were quickly disbursed, meeting our financial needs in a timely manner and giving a strong boost to business development.” according to the director of the company。
It is understood that the shanghai-market branch of the bank of commerce and industry is one of the first financial institutions to undertake intellectual property pledge financing. Since 2019, the shanghai city branch of the bank of commerce and industry has incorporated intellectual property rights as a high-weight indicator in the technology-based enterprise-specific award evaluation model, which provides a basis for the diagnosis of the advanced and increased levels of credit. The current loan balance of the technology-based enterprise-specific award-based evaluation model, which amounts to nearly 50 billion yuan, supports the financing needs of a number of hard-core enterprises in the areas of integrated circuits, biomedicine and artificial intelligence, making intellectual property a real shift from “paper” to “gold”。
Based on the financial needs of science, technology and innovation and industrial development, banking financial institutions are actively working on innovative models of intellectual property finance products and services, exploring more viable ways of “technological transformation” and promoting a “technology-industry-finance” virtuous circle。
In the north high new park of the city of jian an, shanghai city, shanghai yingmingming transport technology ltd. Successfully obtained a loan of $5 million from the shanghai bank, based on the self-developed patent for the invention of “train location detection methods and devices”。
In the past, loans relied on mortgages, but the core assets of enterprises were patents. As a “hidden champion” in the area of intelligent transport, shanghai imam communications technology ltd. Has been in deep-crop orbital transport for 10 years, holding patents on 15 software authorships and 12 inventions but facing financing bottlenecks due to the “light assets, high research and development” feature. The new policy of support for intellectual property pledge financing in the shanghai city silent zone has released strong dividends for such enterprises. Loans are obtained through the pledge train movement system patent, and the actual interest rate after the imposition of the government interest rate is 40 per cent lower than the benchmark. This funding will be directed to the development of a dedicated railway connection system and will assist firms in bidding for supply chain projects. The shanghai bank has been actively engaged in supporting policies, and the north bank of japan has been successful in lending 5 million yuan to enterprises through pledges of intellectual property rights。
It was described that bank shanghai was serving a growing number of private technology enterprises, such as shanghai, through innovative pledge financing services through “government+business+bank” diversified channels, using multilevel risk sharing and compensation mechanisms. It organizes industry-specific training in 10 priority tracks, including semiconductors, medical devices, new energy vehicles and the low-altitude economy, and explores the establishment of a crediting process and a wind control system appropriate to intellectual property pledge. Data show that by the end of 2024, the balance of bank of shanghai intellectual property financing had increased by 45 per cent compared to the beginning of the year, and the number of clients had increased by 78 per cent. The amount pledged in intellectual property is among the highest in the whole of the city。
In addition, as the first “shanghai city financial innovation centre for intellectual property rights”, the shanghai agricultural bank has also been active in promoting intellectual property pledge financing models and collateral innovation, pre-empting a number of areas of intellectual property financial services, including market-wide securitization of first-class credit for intellectual property rights, first-class pledge loans for new varieties of plant, first-process online tracking of asset pledges, etc。
In recent years, our intellectual property financial operations have continued to grow rapidly. Data show that in 2024, banking financial institutions issued cumulatively 25. 557 billion yuan, an increase of 33. 4 per cent over the same period, and a cumulative increase of 23. 4 per cent in the number of loans disbursed by 26545 persons。
