Industry information
Industry information
当前位置: Website homepage > News Center > Industry informationRecently, in order to standardize and strengthen the management of the provincial intellectual property pledge financing risk compensation fund pool (hereinafter referred to as the "fund pool"), the Henan Provincial Intellectual Property Office and the Henan Provincial Department of Finance jointly issued the Detailed Rules for the Implementation of the Management of Henan Intellectual Property Pledge Financing Risk Compensation Fund (hereinafter referred to as the "Detailed Rules"), supporting financial institutions to launch and promote the intellectual property pledge financing business and promote the implementation of patent technology transformation, Promote innovative achievements to benefit more innovative enterprises.
According to the Detailed Rules, the fund pool is mainly used to compensate for the loss of principal incurred by the banks and other financial institutions of our province in carrying out the enterprise intellectual property pledge financing, and to supplement the risk compensation fund pool of pledge financing in various regions, with the initial scale of 10 million yuan; Since the next year of its establishment, the provincial intellectual property department and the provincial finance department have made dynamic adjustments according to the actual amount of the fund pool used in the previous year, the amount of the provincial intellectual property pledge loan and other factors; The total amount of losses shared by the fund pool is limited to the current total amount of the fund pool. The maximum amount of compensation for loan losses within a year is not more than 3 million yuan, and the maximum amount of annual compensation for loan losses of a single cooperative bank is not more than 1 million yuan. No compensation will be made for the losses caused by handling loans in violation of national laws and regulations and the provisions of the Detailed Rules for Implementation.
The Detailed Rules clearly states that intellectual property pledge financing refers to the loans provided by enterprises with their patent rights pledged and banks and other financial institutions as pledgee to enterprises, which are subject to filing management. Only qualified and completed filing can be included in the scope of risk compensation; Support all banks and branches and local intellectual property management departments to carry out business training and promotion, pledge financing product research and development and optimization, bank-enterprise docking, enterprise pledge financing demand base construction and other intellectual property pledge financing business cooperation; Encourage all localities to explore and carry out the construction of intellectual property pledge financing project compensation and pledge financing risk compensation fund pool, and promote more banking financial institutions to launch and promote intellectual property pledge financing loan business and products.
The Detailed Rules also further regulate and detail the determination of the entrusted management institution and cooperative institution, the determination of the loan enterprise, the management of the fund pool, risk compensation and performance supervision.