When applying for a patent pledge loan, the patentee shall apply for a loan from the bank with the patent certificate and other relevant materials required by the bank. At first, financial institutions analyzed their asset access standards and scope for different customers, which generally included two meanings: first, the access standards for loan subjects, and second, the access standards for pledges.
The access standard of the loan subject can be determined by analyzing the credit performance, solvency, profitability, business development and comprehensive ability of the loan enterprise. In practice, the loan subjects are usually gold customers and high-quality customers of the loan bank, and there is no bad record in the loan bank and other banks.
The admission standard of pledge generally follows the principle that patents are invention patents and utility model patents.
2, by professional evaluation agencies to evaluate the value of enterprise patent rights.
There should be a special evaluation institution to comprehensively and objectively evaluate the value of enterprises' own patents, establish a dynamic evaluation mechanism of intellectual property pledge value, provide a good intellectual property value foundation for borrowers and lenders, and implement risk prevention and control measures.
3, the bank to review the information submitted by the enterprise and the patent evaluation results.
The value of pledge can be objectively evaluated by a professional asset appraisal firm to provide value reference for pledge business. Patent pledge includes: the pledgor (patentee) has no ownership dispute within the pledge period.
Financial institutions take the evaluation value of patents as a reference to determine the credit line of pledged loans. The pledge rate usually does not exceed 50% of the time value of the pledged goods. In actual production, influenced and limited by many factors such as industry, region and risk control, it is generally between 10%-60%, and the pledge rate is mostly between 20% and 60%.
4. After approval, both parties sign a loan contract and a patent pledge contract.
As the patent pledge loan contract needs to be registered in China National Intellectual Property Administration, the pledge registration contract signed by both parties should include: 1, the name and address of the pledger and pledgee; 2. Type and amount of secured creditor's rights; 3. The time limit for the debtor to perform the debt; 4. List of pledged materials; 5. Scope of guarantee; 6. Other matters agreed by the parties.
5. Go through the registration formalities of intellectual property pledge.
According to the provisions of the State Trademark Office and the Intellectual Property Office, after the signing of the intellectual property pledge loan contract, both parties shall register the pledge right with the intellectual property management department with relevant documents, and the registration time of patent pledge shall be seven working days.
6, the implementation of the loan contract
After obtaining the registration certificate of intellectual property pledge, financial institutions may issue loans to lenders according to the loan contract signed by both parties.