商标专用权质押贷款契入茶产业发展的分析

Analysis of Trademark Pledge Loans in the Development of Tea Industry

茶叶中小企业融资难,一直是茶产业发展的一大障碍。谋求银行信贷资金支持,除信用、担保贷款外,必须要有自身资产进行抵押、质押。茶叶商标专用权是茶叶企业的自有知识产权,是企业可以运用的无形资产。本文通过分析案例茶叶商标质押贷款,探索分析茶叶质押贷款的路径,并从中分析出茶叶商标贷款的问题和风险,并提出了一些针对性的对策建议。

The financing of tea SMEs （small and medium-sized enterprises） has always been a major obstacle to the development of tea industry. In addition to get credit or loan guarantee, it should have assets mortgage for bank credit funds support. The trademark is an intellectual property and intangible assets of tea enterprises. This paper analyzes problems and risks in tea trademark loan, explores the path of tea pledge loans, and proposes some suggestions