Intellectual property pledge financing may become a new way of financing for small and medium-sized enterprises.

2018In the first half of the year, the amount of patent pledge financing in Jiangsu Province was as high18.1Billions of yuan, pledged patent projects223The average amount of pledge financing per project exceeds800Ten thousand yuan. At the meeting of directors of Jiangsu Provincial Intellectual Property Office at the beginning of this year, Jiangsu Province established the ratio of intellectual property financing2017The goal of doubling.4In January, the Jiangsu Provincial Intellectual Property Office launched a $10 billion financing campaign to reach2020In the year, the province's intellectual property financing scale breakthrough.100Billion yuan, serving small and medium-sized enterprises more1000Home. Jiangsu is gradually stepping out of a road of intellectual property finance, injecting innovative vitality into the development of small, medium and micro enterprises.

In recent years, China's intellectual property pledge financing has developed rapidly, and the amount of pledge financing has been increasing. In foreign developed countries, a relatively mature intellectual property pledge financing system has been formed.

Japan is one of the countries in Asia that started intellectual property pledge financing business relatively early, and the system has basically matured. The Japanese model mainly relies on policy-based financial institutions.----The Credit Guarantee Association and the Japan Policy Investment Bank jointly launched. The Credit Guarantee Association provides guarantee for the financing of small and medium-sized enterprises, which can reduce the risk of banks and provide long-term effective guarantee for the intellectual property financing of small and medium-sized enterprises. Japan's policy investment banks play an important role as loan providers, coordinators, and operators of intellectual property assets.

There are two main models in the United States, one is to pledge the future proceeds of intellectual property rights, and the other is to use intellectual property rights to obtain credit enhancement or credit guarantee from third parties. At present, most of the intellectual property pledge financing in the United States tends to use intellectual property rights as the subject of guarantee, banks pay more attention to the cash flow and credit status of enterprises, and intellectual property pledge knowledge as a supplementary means of loan guarantee to strengthen credit and spread risk. United StatesM-CAMCompany in2000The intellectual property financing guarantees the asset acquisition price mechanism, which allows financial institutions to sell pledged intellectual property at a predetermined price when exercising loans.M-CAMThe company has never avoided the risk of realization in the process of intellectual property pledge financing by financial institutions.

There are a large number of small and medium-sized enterprises in South Korea, thus establishing an intellectual property pledge financing service model with the absolute leadership of the government and the participation of financial institutions and technology value evaluation institutions. In order to facilitate technology trading and to promote the standardization of value assessment, the South Korea2000The Technology Transfer Promotion Act was enacted in. At the same time, the main nature of the intellectual property value evaluation is clearly restricted, and enterprises can obtain loan qualification through evaluation, which is convenient for enterprises to carry out multi-channel financing under the premise of lack of tangible assets.

The promotion of intellectual property pledge financing in Jiangsu Province is mainly through the "My Wheat Field" platform. The "My Wheat Field" platform is composed of Jiangsu Intellectual Property Office, Nanjing Intellectual Property Office, Nanjing Jiangbei New District Management Committee, China (Nanjing) Software Valley Management Committee, Jiangsu Patent Information Service Center and Nanjing Orange Mai Information Technology Co., Ltd. A third-party comprehensive service platform jointly built by the company, with the theme of intellectual property financial services, through the website andAPPHelp small and medium-sized enterprises to realize the connection between intellectual property rights and financial capital. The maximum amount of intellectual property financing reached by a single household.7000Ten thousand yuan, the amount of financing through the platform pledge is nearly1Billions of dollars.

At present, the "My Wheat Field" platform has achieved cooperation with Bank of China, Bank of Jiangsu, and Bank of Nanjing. For companies that have intellectual property pledge financing needs, after preliminary review, the platform will jointly issue a report with the Jiangsu Patent Information Service Center. Evaluation and analysis report, the report will be provided to the bank, and the bank will run the evaluation-free process. In general, after passing the preliminary examination, the report is in.3It can be issued within working days. Regarding the difficulty of identifying the value of intellectual property rights and the difficulty of evaluating the realization of intellectual property rights, the Jiangsu Intellectual Property Office has also carried out some innovations, dividing enterprisesA,B,CThree categories, suchAClass enterprises include eight sub-categories such as enterprises that have undertaken the project of promoting the intellectual property strategy of enterprises in Jiangsu Province. Under this standard, exit the assessment-free model and grant loans by category, giving the highest500Ten thousand yuan intellectual property pledge credit loan.

As an intangible asset, intellectual property rights are very challenging to quantify. Therefore, when advancing every link of intellectual property finance, we must consider whether it is feasible, and we must not do illusory things, otherwise there will be great Hidden dangers. In fact, Jiangsu Province has also carried out some measures to reduce the financial risks of intellectual property rights. Jiangsu Intellectual Property Office has launched a 10 billion financing action plan, Jiangsu Provincial Credit Re-guarantee Group and.7Large banks to establish a risk-sharing mechanism, Jiangsu Province Credit Re-guarantee Group.7Intellectual Property Pledge Undertaking by Big Banks80%of risk. Jiangsu Credit Re-guarantee Group took the lead in cooperating with Nanjing Jiangbei New Area to jointly establish a risk compensation fund pool, and the credit guarantee company gives Nanjing Jiangbei New Area intellectual property pledge financing every year.10Billions of dollars of credit. The Marine Science and Technology Department of the Jiangsu Provincial Intellectual Property Office cooperates to use patent rights as one of the pledges for loans to technology-based small, medium and micro enterprises. If there is a loss of the loan, it will be compensated in accordance with the "Measures for the Management of Special Funds for Risk Compensation for the Transformation of Scientific and Technological Achievements in Jiangsu Province. Cooperate with the financial management department to take intellectual property pledge as one of the means to optimize the way of pledge, and give policy points. At the same time, guide cities and counties to continuously improve patent pledge financing support policies, and issue a series of policy documents to provide a certain amount of discount support for patent pledge loans.

Jiangsu Province to promote the "bank+Platform+The patent pledge financing mode of "guarantee" has effectively expanded the coverage of patent pledge financing, broadened the channels for realizing the value of intellectual property rights and financial services, and further stimulated the innovation ability of enterprises and released the vitality of enterprise development. Vigorously developing patent pledge financing will effectively solve the problem of expensive and difficult financing for a number of small, medium and micro enterprises, and is of great significance to alleviate the financing difficulties of technology-based small, medium and micro enterprises.