Intellectual property rights such as patents and trademarks can be used as collateral for loans, but banks have to look at the actual application of the patent. If the patent has not been industrialized or the operating efficiency is not very good, it will still be very difficult to get a loan. Big ones. Patent pledge process: ①Application stage. The applicant enterprise submits application materials to the Productivity Center and the Productivity Center accepts and receives the application materials submitted by the applicant enterprise. ②Evaluation stage. ③Guarantee stage. ④Contract registration and loan issuance stage.