According to data previously disclosed by the general directorate of financial supervision, in 2025 banking financial institutions issued cumulative intellectual property pledge loans amounting to $29. 79 billion, with a cumulative number of 28,700 borrowers, representing an increase of 56 per cent and 33 per cent, respectively, compared with 2023. At the same time, multiple financial regulators, such as jiangsu and zhejiang, have accelerated the deployment of intellectual property finance services, strengthened credit support, policy and supporting mechanisms to better meet diversified financial needs in the area of intellectual property。
The chief economist, tung hsi-chul, stated that good intellectual property pledge lending could help to break down the “light assets” corporate financing dilemma. “translating `intellectual property' such as patents, trademarks, etc. Into `assets' so that an enterprise can obtain financial support based on its own intellectual property rights, thereby increasing the amount of money invested in the production of research and development.” tung xie-hyun says。
In recent years, the quality of intellectual property creation in our country has continued to improve and has given a powerful boost to intellectual property financing. However, there are still a number of congestion points in intellectual property pledge financing during landing. According to xue hong, a trader bank researcher, first of all, assesses difficulties, the value of intellectual property rights is influenced by multiple factors, such as technological overlaps, market changes and legal status, and there are significant differences in the valuation of different institutions, raising the threshold for corporate finance. The second is the obstruction of material disposal routes, the relatively closed market for material transactions and insufficient liquidity, and, in the event of default, the difficulties faced by banks in finding buyers, pricing difficulties and household difficulties, making risk control more difficult。
In response to a short-term approach to intellectual property financing, the financial regulatory sector has joined a multisectoral effort to accelerate the promotion of innovation in intellectual property finance products and services, as well as the development of a slow-down mechanism for risk-sharing. The director-general of the directorate-general of financial supervision has indicated that, in the area of financial innovation in intellectual property, a pilot project on financial innovation in intellectual property has been carried out in eight provinces and municipalities, namely beijing, shanghai and guangdong, with targeted initiatives focusing on key aspects such as registration, evaluation, disposal and compensation。
Intellectual property financing is an important breakthrough in the promotion of collateral innovation and an important link in the conversion of intellectual property rights. The directorate general of financial supervision, together with the national intellectual property agency and the national copyright agency, issued the pilot work programme for the integration of financial ecology of intellectual property, encourages commercial banks to include new plant and animal varieties, geographical indications, collective trademarks, certification of trademarks, data rights, etc. In the context of pledged intellectual property, and actively explores financial products that promote the transfer of intellectual property rights around patent openings。
Banks are based on business and industrial advantages to accelerate the contribution of intellectual property rights. In the first quarter of this year, shanghai bank and ningbo bank, among others, stepped up their investment in science and technology loans to finance elements such as digital innovation of intellectual property rights. Zhejiang agricultural bank (zhejiang) has several institutions, such as kazon bank, which has secured financing with patents and trademarks to improve the quality of technical and financial services。
Industry has indicated that the financial services system for intellectual property rights should be improved and commercial banks should expedite the exploration of mechanisms for the disposal of intellectual property pledges。
“according disposal is the `last kilometre' of intellectual property pledge financing and is directly related to the solvency of non-performing bank loans.” the first proposal was to develop mechanisms for intellectual property transactions and to promote specialized disposal platforms. The second is to explore risk sharing and compensation mechanisms. For example, a separate “pre-compensation” pool for intellectual property pledge risk is included in the financial risk compensation pool. Third is the exploration of new initiatives for full-process management. To avoid the loss of patent rights due to non-payment of royalties, for example, by exploring the use of an enterprise's annual fee for the period of the pledge。
Data show that during the “1455” period, the two stock exchanges issued cumulatively over $37 billion in intellectual property securitization products and over $100 billion in insurance coverage for over 25,000 enterprises。
Xue hong stated that the upgrading of integrated financial services for intellectual property needed to be promoted by banks in a number of ways. In the evaluation mechanism, an internal evaluation system should be set up in conjunction with national standards, under which loans of less than $10 million can be priced through internal assessments or negotiations with banks, and the introduction of smart assessment model tools that integrate multi-dimensional data such as business operations, industry trends, patent references, etc., to enhance the scientific nature of evaluation. With regard to the due diligence system, there is a need to refine the negative list, to clarify the exoneration criteria for the exercise of due diligence and to establish rapid identification and complaint mechanisms, and to implement policies to regulate tolerance of undesirable rates, to incorporate intellectual property pledge financing into scientific appraisals and to enhance the motivation of front-line crediters。
Next, financial institutions need to further expand the coverage of financial services for intellectual property and explore a variety of instruments, such as securitization and insurance, to better meet business financing needs. Xue hong suggested that intellectual property insurance should develop the risk of covering a chain of scenarios, such as tort liability, tort losses, overseas disputes, and claims for compensation for costs, while promoting the “gold money” risk-sharing model to help enterprises upgrade their intellectual property risk management capabilities. In addition, innovative operations such as intellectual property trusts and financial leases could be explored to meet the financing needs of enterprises at different stages. (economic journalist)
