1. An enterprise submits a written application for a patent pledge loan to the bank

When applying for a patent pledge loan, the patentee shall apply to the bank with the Patent Certificate and other relevant materials required by the bank. Financial institutions initially analyze their asset access standards and scope for different customers, which generally include two meanings: one is the access standard of the loan subject, and the other is the access standard of the pledge.

the access standard of the loan subject can be determined through the analysis of credit performance, debt repayment ability, profitability, business development ability and comprehensive ability of the loan enterprise. In practice, the loan subject is usually the gold customer and high-quality customer of the loan bank, and there is no bad record in the loan bank and other banks.

generally speaking, the admission standard of pledge follows the principle that patents are invention patents and utility model patents.

2. Appraisal of the patent value of an enterprise by a professional appraisal institution

There should be a specialized appraisal institution to comprehensively and objectively appraise the value of the enterprise's own patent and establish a dynamic appraisal mechanism for the value of intellectual property pledge, so as to provide a good basis for the value of intellectual property for both borrowers and lenders and implement risk prevention and control measures.

3. The bank reviews the information submitted by the enterprise and the patent evaluation results

The value of the pledged property can be objectively evaluated by a professional asset evaluation firm, providing value reference for the pledged business. Patent pledge includes: the pledgor's (patentee's) patent right without ownership dispute within the pledge period.

financial institutions use the assessed value of patents as a reference to determine the credit line of pledged loans. The pledge rate is usually not more than 5% of the time value of pledged goods, which is influenced and limited by many factors such as industry, region and risk control in actual production, generally between 1% and 6%, and the pledge rate is mostly between 2% and 6%.

4. After approval, both parties sign the Loan Contract and the Patent Pledge Contract

As the patent pledge loan contract needs to be registered in China National Intellectual Property Administration, the pledge registration contract signed by both parties shall include: 1. The name and address of the pledger and pledgee; 2. Type and amount of secured creditor's rights; 3. The time limit for the debtor to perform the debt; 4. List of pledged materials; 5. Scope of guarantee; 6. Other matters agreed by the parties.

5. Go through the registration formalities of intellectual property pledge

According to the regulations of the State Trademark Office and the Intellectual Property Office, after the signing of the intellectual property pledge loan contract, both parties shall go through the registration of the pledge right in the intellectual property management department with relevant documents, and the registration time of the patent pledge shall be seven working days.

6. execute the loan contract

after obtaining the registration certificate of intellectual property pledge, the financial institution can lend money to the lender according to the loan contract signed by both parties.