Shang Qi Bank's patent pledge loan refers to a loan method in which enterprises or other organizations can take the invention patents and utility model patents owned by them according to law and obtained patent certificates in China National Intellectual Property Administration as pledges, obtain a certain amount of credit funds from banks, and repay the loan principal and interest at the agreed interest rate and time limit to meet the normal capital demand in the production and operation process.
Product characteristics
1. The intangible assets of an enterprise can be converted into tangible funds;
2. Shang Qi Bank's patent pledge loan needs no other guarantee measures;
3. Solve the problem of difficult guarantee for scientific and technological enterprises.
Access conditions
1. Invention patents and utility model patents that must be granted patent certificates by China National Intellectual Property Administration according to law;
2. The patent right is within the legal validity period;
3. The patentee pays the annual patent fee according to law, and the legal status of the patent right is clear and effective, which can be transferred according to law;
4. The patent does not involve national security and secrets;
5. Others have not started the patent invalidation procedure;
6. For the patent developed by entrustment, a certificate that the entrusted patent has been paid in full shall be provided;
7. The enterprise applying for Shang Qi Bank's patent pledge loan is the owner or legal user of the patent, the patent project is in the substantive production and operation stage, and the product using the patent is the borrower's main product, which has been profitable in the last year;
8. The borrower must be an enterprise, institution, legal person or other economic organization that has been approved and registered by the administrative department for industry and commerce, and has gone through the formalities of tax registration and annual inspection in accordance with regulations. Business license, organization code certificate, basic deposit account account opening permit and loan card are true and valid;
9. The borrower must open a settlement account in the bank for more than 2 months;
10. In principle, the enterprise has more than two years of operating performance and continuous profit records in the last two years;
1 1. Abide by the credibility and have the ability to repay the principal and interest;
12. The legal representative, main managers, technology holders and shareholders of the enterprise have good credit records;
13. The applicant has no bad credit record in other banks and has good repayment ability;
14. The legal representative and actual controller of the enterprise provide unlimited joint liability guarantee for individuals and families.
Treatment process
1. The borrower applies to Shang Qi Bank for a patent pledge loan;
2. The bank investigates and evaluates the borrower and determines the pricing method of the pledged patent value. If the price is determined by negotiation between the borrower and the borrower, an evaluation team shall be formed and an evaluation report shall be issued;
3. Approve the credit business step by step according to the approval process of Shang Qi Bank;
4. If approved, both parties shall sign a written loan contract and a patent pledge contract, and go to China National Intellectual Property Administration for pledge registration as required, and the pledge contract shall take effect from the date of registration;
5 according to the relevant provisions of the issuance and management of loans;
6. Recover the loan and terminate the pledge contract.
Whether you want to consult about the loan, complain about the high housing price, have any complaints or suggestions about zhaodaikuan, or just want to chat with the loan girl, you can add our official WeChat account: zhaodaikuan, we will wait for you online ~!