“积成电子”知识产权质押贷款案例剖析

Case Study on the Intellectual Property Mortgage Loan of IESLab

知识产权质押贷款为有技术、有潜质的中小企业间接融资,为市场疲软的商业银行放贷提供了新思路,找到了兼容点。但企业对知识产权商业机密的保护等与银行对信息对称的需求存在冲突。这种困境的突破,有赖于政府的牵线搭桥和银企间建立良好的合作基础。

Intellectual property mortgage lending provides a new idea and compatible points for indirect financing of SMEs that have technology and potential, as well as that commercial bank which facing market weakness in lending. But conflicts exist in the enterprises and banks, for the enterprises treat the intellectual property as trade secrets and banks as information that needs. Breakthrough in this dilemma depends on the government＇s matchmaking and establishes a basis for cooperation between banks and enterprises.