Because patent rights are usually invisible, there are many unstable factors in itself, and lending institutions will think that they need to bear more loan risks, which will inevitably lead to difficulties in applying for patent pledge loans.
2. The patentee's credit awareness is low.
Many borrowers who applied for patent pledge loans did not write the patent technical data truthfully, which led to the patent specification being ineffective. After the borrowers who applied for professional full pledge loans failed to fulfill their repayment obligations, the lending institutions could not recover their losses.
It is difficult to evaluate the value of patent right.
The value of patent rights is generally difficult to assess. Many evaluation agencies evaluate patent rights by evaluating tangible assets, and many lending institutions cannot accept the evaluation results of patent rights.
The above three points are the main reasons why it is difficult to apply for patent pledge loans. If the enterprise cannot obtain the patent pledge loan, it may wish to try other loan methods.