65438+1October 1 1, Jiushenghe Seed Industry Co., Ltd. secured a pledge loan of 50 million yuan from changji city Branch of Agricultural Bank of China with the new plant variety right as pledge.
"In the past, I went to the bank for financing, giving priority to fixed assets as collateral, and the scope of other guarantee methods was smaller. For agricultural companies, in fact, the most valuable thing is the right to new plant varieties. This time, the Agricultural Bank of China used the right of new plant varieties as collateral to handle loans for the company, which fundamentally solved the problem of financing difficulties for the company. " Liu Ting, Minister of Investment Department of Jiushenghe Seed Industry Co., Ltd. said.
It is understood that Jiushenghe Seed Industry Co., Ltd. is a joint-stock enterprise integrating the breeding of new varieties of wheat, cotton and corn, seed production and processing, and marketing services. It has the "National Comprehensive Operation License for Breeding and Promotion of Improved Varieties" issued by the Ministry of Agriculture, with total assets of nearly1200 million yuan. It has been rated as the "Key Leading Enterprise of Agricultural Industrialization" by the Rural Industry Development Department of the Ministry of Agriculture and Rural Affairs, with 56 crop varieties with independent intellectual property rights.
Agricultural Bank of China Changji Branch learned that Jiushenghe Seed Industry Co., Ltd. urgently needed a lot of money to buy seeds, but it encountered difficulties in financing due to insufficient collateral such as houses and land. "On the basis of in-depth understanding of customers' investment in agricultural science and technology innovation and financing needs, we found a new way according to their new plant variety rights, formulated a personalized guarantee financing plan, and studied the materials needed for pledge of new plant varieties. Finally, on June 8th, 65438+1October 8th, we got the news that the Ministry of Agriculture and Rural Affairs and professional appraisal institutions passed the examination and approval, and received the pledge registration certificate. Jiang, the account manager of the bank, said.
It is reported that the shortage of funds has always been a big problem that puzzles the development of small and medium-sized enterprises, especially small and medium-sized scientific and technological enterprises, which are in the contradiction of technological advantages, insufficient financial support and limited development. For small and medium-sized enterprises with innovation as the core, patent pledge loan undoubtedly opens up a brand-new financing channel, effectively solves the problem of enterprise capital turnover, revitalizes the intangible assets of enterprises, and makes the patent rights obtained by enterprises play a real value; For banks, it is also a useful attempt to innovate financing methods.
The landing of the pledge loan business of new plant variety rights of Jiushenghe Seed Industry Co., Ltd. marks the success of the first pledge loan of new plant variety rights in China, opens up a brand-new financing guarantee channel and enriches the variety of rights pledge business of Changji Branch of Agricultural Bank of China. The relevant person in charge of the bank said that the Agricultural Bank of China Changji Branch will actively promote product innovation and business transformation, highlight the product innovation capability and financial service advantages supporting the new economy, and provide efficient and convenient financial services for more high-quality enterprises.
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