For some literati, their precious wealth is some academic patents. We can't miss these patents. These can be used as collateral for loans. So if any of us have needs in this regard, you can take a look at the content of this article. What we are mainly talking about is the application process for intellectual property pledge loans? What are the main difficulties in developing intellectual property pledge loans?

What is the application process for intellectual property pledge loans?

1. The enterprise submits a written application for an intellectual property pledge loan to the bank

When applying for an intellectual property pledge loan, the trademark registrant should hold the "Trademark Registration Certificate" and the patentee should hold the " Submit a loan application to the bank with the patent certificate and other relevant materials required by the bank.

2. A professional evaluation agency will evaluate the exclusive rights of corporate trademarks

The value of many corporate trademarks is limited, and the company's performance and market share will change the value of the brand. , will cause huge fluctuations in the value of the trademark. At the same time, if there are major problems in the development of the enterprise, the value of the trademark will also be affected, and the safety of bank loans cannot be guaranteed, and the risk is greater.

3. The bank will review the information submitted by the enterprise and the evaluation results of the trademark exclusive rights

The value of the pledge can be determined by a professional asset appraisal firm. Objective evaluation provides value reference for pledge business. The scope of pledged property usually refers to trademark rights and patent rights. The pledge of patent rights includes: the pledgor’s patent rights without ownership disputes within the pledge period.

4. After passing the review, both parties sign the "Loan Contract" and "Trademark Exclusive Rights Pledge Contract"

Since the intellectual property pledge loan contract needs to be processed at the National Trademark Office and the State Intellectual Property Office Pledge registration.

5. Handle the intellectual property pledge registration procedures

According to the regulations of the National Trademark Office and the Intellectual Property Office, after the intellectual property pledge loan contract is signed, both parties should present relevant documents to the intellectual property management office The department handles the registration of pledge rights. The registration time for trademark right pledge is five working days, and the time for patent right pledge registration is seven working days.

6. Execute the loan contract

After obtaining the intellectual property pledge registration certificate, the financial institution can lend funds to the borrower in accordance with the loan contract signed by both parties.

What are the main difficulties in developing intellectual property pledge loans?

1. The laws related to intellectual property rights are not complete. For example, it is uncertain whether the intellectual property licensing right is a transferable right stipulated in Article 79 of the Security Law; it is uncertain whether the term patent right includes the licensing right in the Security Law and the Patent Law.

2. The value of intellectual property is difficult to determine. The most important part of intellectual property pledge is the evaluation of intellectual property. However, my country lacks a complete intellectual property evaluation system. Practitioners are highly dependent on administrative agencies, resulting in a lack of ability. The poor quality of practitioners affects the quality of evaluation, and there is a lack of unified standards for evaluation. and rules that affect the results of the assessment.

3. Risk issues of intellectual property pledge financing. In view of the great risks involved in intellectual property financing, most commercial banks in the West have adopted a cautious approach, that is, professional lending institutions, venture capitalists or investors participate in the intellectual property financing business in the form of equity acquisition.

4. Banks’ ability to control intellectual property pledge is not mature enough. Some domestic banks attach great importance to corporate static asset guarantees, but lack understanding of intellectual property guarantee forms with intangible asset characteristics.

5. The possibility of realizing intellectual property rights is difficult to predict. Compared with traditional secured loans, intellectual property is less liquid than real estate, so disposal is correspondingly difficult. Especially at this stage, when domestic awareness of intellectual property rights is generally low and the intellectual property transfer market is small, it is particularly difficult to realize intellectual property rights.

To sum up, this article mainly describes the application process for intellectual property pledge loans and the main difficulties in developing intellectual property pledge loans. Now we should have a better understanding of the application process, but now In our country, some banks also provide these services, but not all banks can provide loans. If we need it, we can consult the bank in advance.