What factors do banks mainly consider when calculating patent valuation?

There are many methods of patent valuation, and banks rarely do their own evaluation. First, the bank is not professional, so it is hard to say whether the value of the assessment is convincing. Second, in order to spread risks, banks generally accept patent pledge for loans or credit lines. It is inevitable that they will violate the rules when evaluating their loans, and the higher-level banks will not agree. Banks basically entrust third-party evaluation companies to evaluate, rarely accept patent rights as collateral alone, and mostly do loan business in the form of multiple pledge combinations.