Legal analysis:

The so-called intellectual property pledge means that an enterprise uses its legally owned patent rights, registered trademark exclusive rights, copyrights and other intellectual property rights as the pledge subject matter. It is a kind of financing behavior that obtains funds from the bank after evaluation and pricing, and repays the principal and interest of the funds on schedule.

Intellectual property pledge loans have two advantages. On the one hand, banks lend money to enterprises and guarantee it by pledging the enterprise's patent rights and other intellectual property rights. Compared with pledging tangible assets, banks can better control the lifeblood of the enterprise. On the other hand, small and medium-sized enterprises that lack fixed asset collateral can provide financial support for further trade through intellectual property pledge, solve the problem of financial constraints, and also play a role in improving the core competitiveness of enterprises.

At present, compared with other mortgage loans, the success rate of intellectual property pledge loans is still relatively low. There are only a handful of domestic banks that carry out intellectual property pledge loans. Among them, the best ones include Bank of Communications and Beijing Bank. Bank, Bank of Chongqing, etc. Most banks do not yet support intellectual property pledge loans.

Legal basis:

Article 440 of the "People's Republic of China and Civil Code" The debtor or a third party has the right to dispose of the following rights that can be pledged: (1) ) Money orders, promissory notes, checks; (2) Bonds, deposit certificates; (3) Warehouse receipts, bills of lading; (4) Transferable fund shares and equity; (5) Transferable registered trademark rights, patent rights, and copyrights and other property rights in intellectual property rights; (6) Existing and future accounts receivable; (7) Other property rights that can be pledged according to laws and administrative regulations.