“这一产品(知识产权质押贷款)的优势在于,以知识产权作为贷款质押物既增加了企业融资的担保渠道,又因政府部门还提供贴息支持,相应降低了企业的融资成本。” 在银行等金融服务机构眼中,知识产权质押贷款是借款企业以合法有效的知识产权做质押,向银行申请贷款的一种产品,其贷款资金将主要用于满足企业的正常营运资金需求。我们认为,作为质押的知识产权应该具备以下的条件:应属于发明专利、实 The advantage of this product (Intellectual Property Pledge Loan) is that the use of intellectual property as a loan collateral not only increases the guarantee channel for corporate financing, but also reduces the financing cost for enterprises due to the subsidy provided by the government departments. In the eyes of financial services institutions such as banks, intellectual property pledged loans are loans borrowed by a borrowing enterprise under the legal and valid intellectual property rights to apply for a loan from a bank. Its loan funds will mainly be used to meet the normal operating capital needs of the enterprise. In our opinion, as a pledge of intellectual property rights should have the following conditions: should belong to invention patents, real