Patent pledge, can enterprises still use patents?

Hello, I'm the bank account manager. Intellectual property pledge and patent pledge have appeared in recent years. The reason for its rise is that with the development of banking business, more and more enterprises have mortgaged the most acceptable and valuable housing property rights and land use rights to other banks early. For the banks involved in the later period, it is necessary to find new ways to open up the market and win new corporate customers. However, in the actual business operation process, these two forms of pledge can not be used separately. Because these two kinds of pledge rights are difficult to realize and their value is difficult to determine, banks use them as additional repayment guarantees in the course of operation. We can publicize to our customers that our bank accepts these two new ways of pledge, but when customers borrow money, they only say that the role of these two ways is to expand the loan amount. In fact, we still need traditional ways such as mortgage of house property rights. Everyone is welcome to participate.