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Notice by the China Banking and Insurance Regulatory Commission, the State Intellectual Property Office, and the National Copyright Administration of Further Strengthening Intellectual Property Rights Pledge Financing [Effective]
中国银保监会、国家知识产权局、国家版权局关于进一步加强知识产权质押融资工作的通知 [现行有效]
【法宝引证码】

Notice by the China Banking and Insurance Regulatory Commission, the State Intellectual Property Office, and the National Copyright Administration of Further Strengthening Intellectual Property Rights Pledge Financing 

中国银保监会、国家知识产权局、国家版权局关于进一步加强知识产权质押融资工作的通知

(No. 34 [2019] of the China Banking and Insurance Regulatory Commission) (银保监发〔2019〕34号)

All local offices of the China Banking and Insurance Regulatory Commission (“CBIRC”); all intellectual property rights bureaus (administrative departments of intellectual property rights) and copyright bureaus of all provinces, autonomous regions, municipalities directly under the Central Government, Xinjiang Production and Construction Corps, and cities under separate state planning; all policy banks, large-scale banks, and joint-stock banks; Postal Savings Bank of China; foreign-funded banks; financial assets management companies; all insurance group (holding) companies, insurance companies, insurance assets management companies, and other business organizations under the CBIRC: 各银保监局,各省、自治区、直辖市、新疆生产建设兵团、计划单列市知识产权局(知识产权管理部门)、版权局,各政策性银行、大型银行、股份制银行,邮储银行,外资银行,金融资产管理公司,各保险集团(控股)公司、保险公司、保险资产管理公司,其他会管经营类机构:
For the purposes of implementing the series of important arrangements by the CPC Central Committee and the State Council on the work of intellectual property rights, urging banking and insurance institutions to intensify support for the use of intellectual property rights, and expanding intellectual property rights pledge financing, the relevant matters are hereby notified as follows: 为贯彻落实党中央、国务院关于知识产权工作的一系列重要部署,促进银行保险机构加大对知识产权运用的支持力度,扩大知识产权质押融资,现就有关事项通知如下:
I. Optimizing the service system for intellectual property rights pledge financing   一、优化知识产权质押融资服务体系
1. Banking and insurance institutions and intellectual property rights pledge registration institutions shall unify thought and recognition and maintain strategic focus, and attach great importance to the work of intellectual property rights pledge financing. Banking and insurance institutions shall be encouraged to actively carry out the business of intellectual property rights pledge financing to support innovative (technological) enterprises with development potentiality. (一)银行保险机构、知识产权质权登记机构应当统一思想认识、保持战略定力,高度重视知识产权质押融资工作的重要性。鼓励银行保险机构积极开展知识产权质押融资业务,支持具有发展潜力的创新型(科技型)企业。
2. Commercial banks shall be supported in establishing a specialized management system for intellectual property rights pledge financing. Large-scale banks and joint-stock banks shall research and develop supporting policies for the business of intellectual property rights pledge financing, and designate special departments to be in charge of the work of intellectual property rights pledge financing. (二)支持商业银行建立专门的知识产权质押融资管理制度。大型银行、股份制银行应当研究制定知识产权质押融资业务的支持政策,并指定专门部门负责知识产权质押融资工作。
3. Commercial banks shall be encouraged to support the development of intellectual property rights pledge financing by separately listing credit plans, special assessment incentives and other methods under the premise of controllable risks, to strive for year-by-year rational growth of annual accumulative number of borrowers of intellectual property rights pledge financing and annual accumulative amount of loans granted. (三)鼓励商业银行在风险可控的前提下,通过单列信贷计划、专项考核激励等方式支持知识产权质押融资业务发展,力争知识产权质押融资年累放贷款户数、年累放贷款金额逐年合理增长。
4. Commercial banks shall be supported in establishing risk assessment, credit examination, credit due diligence and reward and punishment systems suitable for the characteristics of intellectual property rights pledge financing, and innovate on the credit approval system and interest rate pricing mechanism. Commercial banks shall be encouraged to focus on marketing of financial products such as intellectual property rights pledge loans through scientific and technological branches. Commercial banks shall be encouraged to actively explore the development model of intellectual property rights finance business, and focus on supporting intellectual property rights pledge financing needs of intellectual property rights-intensive innovative (scientific and technological) enterprises based on their business characteristics and business operation advantages. (四)支持商业银行建立适合知识产权质押融资特点的风险评估、授信审查、授信尽职和奖惩制度,创新信贷审批制度和利率定价机制。鼓励商业银行通过科技支行重点营销知识产权质押贷款等金融产品。鼓励商业银行积极探索知识产权金融业务发展模式,根据自身业务特色和经营优势,重点支持知识产权密集的创新型(科技型)企业的知识产权质押融资需求。
II. Strengthening the innovation on services for intellectual property rights pledge financing   二、加强知识产权质押融资服务创新
5. Commercial banks shall be encouraged to conduct packaged portfolio financing of patents, exclusive rights to trademarks, copyrights and other related intangible assets of enterprises, enhance the composite value of enterprises, and increase the amount of financing. Research shall be conducted to expand the scope of intellectual property rights collaterals, actively explore the feasibility of geographical indications and integrated circuit layout design as intellectual property rights collaterals, and further expand corporate financing channels. (五)鼓励商业银行对企业的专利权、商标专用权、著作权等相关无形资产进行打包组合融资,提升企业复合型价值,扩大融资额度。研究扩大知识产权质押物范围,积极探索地理标志、集成电路布图设计作为知识产权质押物的可行性,进一步拓宽企业融资渠道。
6. Commercial banks shall be encouraged to establish an evaluation system for enterprises' scientific and technological innovation capacity, reasonably analyze the innovative development capacity and brand value of enterprises through comprehensive evaluation of enterprises' patents, exclusive rights to trademarks, copyrights, and other intellectual property rights, and grasp enterprises' development direction through intellectual property rights pledge financing. Commercial banks shall actively cooperate with relevant departments in improving the identification and evaluation mechanism for innovative (scientific and technological) enterprises. Commercial banks shall be supported in researching and developing new models of intellectual property rights pledge financing with new technologies such as cloud computing, big data, and mobile Internet. Commercial banks shall be encouraged to provide integrated financial services for enterprises on the basis of providing intellectual property rights pledge financing services.
......
 (六)鼓励商业银行建立对企业科技创新能力的评价体系,通过综合评估企业专利权、商标专用权、著作权等知识产权价值等方式,合理分析企业创新发展能力和品牌价值,通过知识产权质押融资业务把握企业发展方向。商业银行应当积极同相关部门合作,完善对创新型(科技型)企业的认定及评价机制。支持商业银行运用云计算、大数据、移动互联网等新技术研发知识产权质押融资新模式。鼓励商业银行在提供知识产权质押融资服务基础上,为企业提供综合金融服务。
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