(2) Invention patents, utility model patents and design patents granted with patent certificates in China National Intellectual Property Administration according to law;
(3) The validity period of the invention patent is not less than 10 year, and the validity period of the utility model patent and the design patent is not less than 5 years;
(4) The patent right does not involve national security or confidentiality;
(five) the patent project that has been granted the patent right is in the substantive implementation stage, and has formed the scale of industrial operation, which has certain market potential and good economic benefits.
(six) credit business is limited to working capital loans and acceptance business.