In the beginning of 2026, a succession of heavy signals at the national level pushed intangible asset financing to unprecedented levels。
The 2026 government report clearly states that the full use of intangible assets such as data elements, intellectual property rights, and the strengthening of support measures such as appraisals, financing guarantees, and compensation for risks, should lead financial institutions to increase their support for sti and msmes。
I. Policy setting: formal “correction” of intangible assets as a new thrust of credit investment
This is not a slogan, but a hard requirement for top-level design. From the central to the local level, from the regulatory to the banking sector, a performance is being staged to turn “unseeable assets” into “touchable loans”。
As of march 2026, the cumulative distribution of intellectual property pledge financing in the country exceeded rmb 600 billion, with rmb 29,79. 9 billion distributed in 2025 alone, and 287,000 service enterprises, an increase of 56 per cent and 33 per cent respectively. New practices such as pledge of data assets, pledge of commercial secrets, pledge of geographical indications, etc. Are fully flourishing, covering almost all industries, such as technology, manufacturing, agriculture, and cultural brigades。
In conclusion: previously loaned to plant, equipment, patents, trademarks and data, light-asset enterprises finally have a new way of financing。
Which “intangible assets” are traded for money? It's all four categories. The company's precious
Many enterprises do not yet know that the intangible assets in their hands can be taken to banks for loans. There are currently four main categories of intangible assets that can be pledged, each with clear rules and real cases。
1. Intellectual property rights (most mainstream, most mature)
This is the most widely applied category at present, including:
- patents for inventions, practical novelty, visual design: technology enterprises, core assets of niche new enterprises
- trademarks, geographical indications: branded enterprises, agricultural champion's “pyramid sign”
- software authorship, integrated circuit layout design: the internet, chip company technicians bottom
- data intellectual property rights: the central bank officially registered online in november 2025 as a new windfall
Case: sichuan's “change of the river” geographical logo, with total awards exceeding $100 million; south orange geomark pledge, with a $1 million liquid loan。
2. Data assets (the largest black horse in 2026)
Businesses can pledge business data, user data, production data, supply chain data as long as they are rights-based, compliant and assessable。
- data on the production of new energy, heat and electricity from shandong springs, obtained 5 million yuan from the bank of lai mung
- right to intellectual property for the marketing of data in view areas at the van peak forest tourism group in guizhou, with a loan of $40 million paragraph
- construction supply chain data for logistics, with 100 million letters of credit from the bank of suhai, the first in the construction industry nationwide
3. Commercial secrets (most secret, most valuable)
Core algorithms, technical formulas, customer lists, know-how, were previously unpublished and can now be pledged。
- core business secrets in shanghai, with nearly 10 million yuan in loans from agricultural banks, and first order in the area of internet security in shanghai
- first commercial secret pledge financing across the city from suzhou's free-trade zone without leaking the technology core
4. Other intangible assets (flexible replenishment)
These include domain names, franchising, copyrights, goodwill, etc., which can be supplemented by pledges provided that there is a steady return that can be assessed。
How do we get a loan? We set up a three-way platform to simplify the process and release the money as fast as a day
Intangible assets were previously difficult to finance, mainly in terms of “authenticity, assessment, disposal, wind control”. Now we've got a lot of people on the stage, and we've got all these jams。
1. Government platform: policy + finance + platform triple guarantee
- bottom of the policy: a joint communication from the ministry of finance and others, a 1. 5 percentage point discount from the central treasury, a maximum 40 per cent risk sharing from the national finance guarantee fund and a halving of the guarantee fee
- platform support: the national intellectual property agency, the central bank and the central bank have a paperless whole process of registration, reducing registration time to 1-2 working days in shenzhen, shanghai, etc., and achieving a one-day closure
- compensation for risks: local funds for intellectual property risk compensation are set up, banks are compensated for bad debts and the problem of “failure to lend” is resolved
2. Bank singing: exclusive product + simplified process + rapid approval
Instead of looking only at collateral, banks look at the “value of intangible assets + business capacity” and launch hundreds of exclusive products:
- sichuan 44 banks launched 126 intellectual property finance products
- anhui vortex compresses the processing process from one month to 10 working days, completing 79 pledges and 620 million yuan a year resources
- shanxi shared “info on financial flows + intellectual property pledges” to provide $2. 874 million in loans to agricultural champions
3. Enterprise operations: four steps without running legs
1. Validity registration: patents, trademarks, rights to register data assets on national platforms
2. Value assessment: assessment of the value of intangible assets by banks or third-party institutions
3. Mortgage registration: online pledge registration, paperless throughout
Disbursements to accounts: 1 to 5 days after approval
Who benefits most? Three types of business came to finance the spring, and there was no need to worry about the “less-assets loan”
Intangible asset financing, which directly benefits three types of enterprises, covers the entire life cycle from inception to the top。
Science- and technology-based small and medium-sized enterprises (smes), specialized new “small giants”
Such enterprises are skilled and patented, but lack plant and equipment and previously have had the most difficult loans。
- a patent pledge for the invention of chengdu electronics to obtain a loan from the pufa bank to resolve the problem of imported raw materials for chips topic
- ibeia textile anhui obtains pledge financing for upgrading production lines based on three invention patents
2. Branding enterprises, agricultural champions, civil service enterprises
Trademarks, geographical indications, data assets are their core assets。
- guangdong sunshine medicines, with more than 1,600 patents, received a cumulative loan of $600 million for innovative medicine development
- new meteorological technology in guizhou, with the intellectual property rights of meteorological data at a price of $529. 4 million
3. Digital economy enterprises, platform enterprises
Data are core assets, and data pledges allow them to turn “flow” into “cash flow”。
- intellectual property on the eastern billion electrical order analysis model data, which received $93 million in loans to update guizhou records
V. New changes in 2026: five major upgrades to make intangible asset financing simpler, cheaper and safer
Intangible asset finance was significantly upgraded in 2026, with lower cost, more efficient and less risk to enterprise finance。
1. Greater scope: from patent to data, business secrets, full coverage
Previously mainly patents, trademarks, data assets, trade secrets and geographical indications were now fully integrated, and almost all enterprises could find their own collateral。
2. Faster process: full process line up, fastest one day release
The national intellectual property agency, in conjunction with the central bank's system of letters, has made it possible to register, search and change the entire course of pledges, and has achieved a “one-day closure” in shenzhen, shanghai, etc., so that enterprises do not have to run many different sectors。
3. Lower costs: interest rate + guarantee + risk compensation, general decline in interest rates
The central fiscal discount of 1. 5 percentage points, combined with local discounts and a reduction in the guarantee fee, has resulted in many enterprises having real interest rates of less than 3 per cent, which is half lower than traditional credit loans。
4. Stableness: banks ' willingness to lend, willingness to lend, ability to lend
Government risk compensation + guarantee fund burden + bank internal assessment model, triple control, with a significant decrease in bank bad debts and a willingness to lend to the enterprise。
5. Better disposal: creating a fluid platform where intangible assets can be realized
Banks are more reassured by the establishment of intellectual property trading platforms in shenzhen, shanghai, etc., where pledged intangibles can be transferred, licensed, auctioned and “disposed” problems resolved。
Vi. Real case: integrated ass integrated integrations for finance silver
Case 1: anhui turquoise, the county economy becomes “asset”
In 2025, tayang county completed 79 intellectual property pledge financing of 620 million yuan, covering the manufacture of equipment, new materials and the processing of agricultural products。
- ibea textile anhui received a loan from three invention patents to address the funding gap for the surge in orders
- locally compressed processes within 10 working days, business “zero-go-go” and significantly more efficient financing
Case 2: sichuan, geographical indications of “loans” in rural areas jin! Hing
Sichuan, as the national integrated financial ecological pilot of intellectual property, had a balance of $10,737 million in pledge financing of intellectual property rights at the end of 2025, an increase of 38. 52 per cent over the same period。
- 100 million yuan for the overall award of the geographical logo of the “china river” to drive the development of the local walled industry
- the pledge of the southern citrus marker, with a first order of $1 million, to address the financial difficulties of citrus growers topic
Case 3: guizhou, data asset “points in gold”
Guizhou is at the forefront of the country in terms of data pledges of intellectual property rights:
- the man-foot forest tourist group has acquired 40 million yuan in intellectual property rights for view area data
- east billion electrical order data, 93 million yuan in loans, the largest single in industry
Vii. How do the business use the blood? Three steps to get the loan
1. Taking stock: combing over what intangible assets you own
- patents, trademarks, soft, geographical indications
- can operational data, user data, production data be established
- is core technology, formulas, customer lists a business secret
Pre-determination: “legalization” of intangible assets
- timely patent, trademark application, renewal fees to ensure clarity of tenure
- data assets registered on local data intellectual property platforms
- commercial secrecy through block chains, identifying boundaries of rights
3. Active docking: finding banks, governments, platforms
- to consult with the local government service centre, the technology and technology financial window
- contact banks' exclusive product managers, such as the “patent loan” “data loan” “know-how loan”
- using government financing guarantees, risk compensation policies to reduce costs and increase pass rates
Viii. Future trends: intangible asset financing mainstreams and spreads across the country, benefiting millions of businesses
From policy shifts to local landings, from data eruptions to emerging cases, intangible asset financing has moved from “piloting” to “normal” and will be fully rolled out over the next three years。
1. National coverage: 8 provincial and municipal pilot projects on the financial and ecological integration of intellectual property rights, launched in 2025, will be expanded throughout the country by 2026, with accompanying policies to be introduced in all provinces
Product innovation: banks will introduce more “intangibles + credit” “intangibles + supply chain” portfolio products to meet different business needs
Eco-improvement: a system of empowerment, assessment, registration, disposal and circulation of chain services is in place and intangible assets are truly “hard currency”
4. All-embracing: from large cities, large enterprises, to counties, msmes, more light-asset enterprises to finance red lee
Do you have any corporate patents, data, trademarks for loans? Do you think intangible asset financing will become the dominant mode of corporate finance in the future? Welcome to the comment section。
This document is based on official policies and public data compiled in march 2026 by the ministry of finance, the national directorate of financial supervision, the national intellectual property authority, etc。
