Can I apply for a bank loan with a patent certificate?

Intellectual property rights such as patents and trademarks can be used to pledge loans, but banks still have to look at the actual application of patents. If the patent is not industrialized or the operation efficiency is not very good, it is still very difficult to get loans. Patent pledge process: ① application stage. The applicant enterprise submits the application materials to the productivity center, and the productivity center accepts the application materials submitted by the applicant enterprise. ② Evaluation stage. ③ Guarantee stage. ④ Contract registration and loan issuance stage.