Can the patent certificate be mortgaged?

The current law stipulates that 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 the patents. If the patent is not industrialized or the operation efficiency is not very good, it is still very difficult to get loans. Article 36 of the Law of People's Republic of China (PRC) Commercial Bank, the borrower shall provide a guarantee for the loan of a commercial bank. Commercial banks should strictly examine the repayment ability of the guarantor, the ownership and value of the collateral, and the feasibility of realizing the collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.