Trademark rights pledge loans are a means of corporate financing. At present, many provinces, cities and regions in China encourage companies to use the intangible assets accumulated over the years to carry out financing cooperation. Major commercial banks also have certain creditworthiness requirements. The relatively high number of enterprises issuing pledged loans is mainly reflected in the fact that most enterprises have obtained provincial famous trademarks and Chinese famous trademarks. At present, all banks that use intellectual property pledges to finance small and medium-sized enterprises have relatively low credit lines for loan companies. Taking the Bank of Communications as an example, in this regulation on intellectual property loans, patent pledge loans adopt a comprehensive credit granting method. The credit limit for invention patent rights shall not exceed 25% of the appraised value, and the credit limit for utility model patent rights shall not exceed the appraised value. 15% of the trademark exclusive right, the credit limit does not exceed 50% of the appraised value, the maximum loan amount is 10 million yuan, and the maximum term is up to 3 years.