The transformation of “intellectual property” into “assets” is accelerating. Keqiao opens the era of “secondary credit extension” for intellectual property pledge financing
Recently, Intellectual Property Inclusive Financing – “Zhiwei Loan” pilot project held a launching ceremony in Keqiao, and the preliminary version 1.0 was piloted in our district , implemented by Tailong Bank Shaoxing Branch.
It is reported that the limited coverage and complex financing procedures of intellectual property pledge financing have always been the pain points and difficulties that plague intellectual property pledge financing. The “Intellectual Property Loan” project launched this time further expands the popularity and benefits of intellectual property pledge financing, allowing more small and micro enterprises to turn their “intellectual property” into “assets”. This project fully embodies the characteristics of “small, broad and fast” and is mainly aimed at small intellectual property pledge loans for small and micro enterprises, especially loans below 5 million yuan. It adopts the commitment system model of first granting credit and then handling pledge registration. The evaluation system of banking financial institutions and the third-party intelligent evaluation system, combined with the pilot paperless process of online pledge registration, enable instant review of applications and rapid credit granting, thereby effectively filling the gap in small-amount intellectual property pledge financing.
At the launch ceremony, Keqiao District Xinzhi Clothing Design Co., Ltd. quickly obtained a 1.5 million yuan credit line for intellectual property pledge financing from Tailong Bank Shaoxing Keqiao Small and Micro Branch through “Zhiweidai”, achieving “second credit granting” for intellectual property pledge financing “. “It only takes a few steps to complete the loan, which is very convenient.” The person in charge of the company said at the scene.
It is reported that the “Zhiweidai” project is a public product launched by Shaoxing City. After the pilot operation achieves initial results, version 2.0 will be launched in due course to establish a unified “Zhiweidai” inclusive intellectual property pledge financing entrance for the city. And promote it to banking financial institutions across the city. At the same time, “Zhiweidai” itself, as an intellectual property, is also open to banking financial institutions outside the city and province.
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