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Property pledge &quot;Science and Technology of China,&quot; 2009 07 column: China Science and Technology Forum 2009 Property pledge Reporter Zhao Ying For tech SMEs, the introduction of talents, technology development, product sales have been enough for running around in circles, in order listed, in turn is bound to add a lot of &quot;chores.&quot; So, how to prepare it for listing tech SMEs Burden? Beijing Municipal Science and Technology Commission to figure out a tricky move &quot;Corporate restructuring listed Yao, expertise and services needed Henduo, however, some companies Bingbu 明白 this and are not Zhidao specific operations Guo Cheng and Guifan, giving rise to a lot of failure cases.&quot; June 4, in taking &quot; 2009 China Science and Technology Forum &quot;gap acceptance&quot; Technology of China, &quot;an interview, talking about tech SMEs listing of the Beijing Municipal Science and Technology Commission responsible person a lot sorry. In recent years, science and technology for the listing of the characteristics of SMEs, the Beijing Science and Technology Commission to actively find ways, from a financing point of view, the way to take forward these bundled services, enterprise development, culminating in the &quot;Technology Finance Package&quot; approach has won High-tech SMEs welcome. Superstructure &quot;Monthly average 10 million to 20 million yuan of liquidity turnover, can at least when only 100,000 yuan.&quot; Annual sales of more than 300 million yuan in Beijing Mei Tainuo Communication Technology Co., Ltd. (hereinafter referred to as &quot; Mei Tainuo Company &quot;), Zhang Zhiyong, general manager of corporate experience in 2007 recalled the liquidity&quot; crisis &quot;, said:&quot; Science and Technology Commission, Beijing did not expect a policy, let this be a great relief at risk. &quot; Founded in 2004, Mei Tainuo Inc., a communications infrastructure, industrial air-conditioning as the main products of high-tech enterprises. After 2 years of market cultivation, business development in 2007 ushered in the peak. Over an avalanche of orders for Zhang Zhiyong, see a bright future. However, the slower the recovery of funds resulting from cash-flow problems as a constraint to business development and growth of a major bottleneck. In order to solve financial difficulties, Mei Tainuo started trying to banks for loans. However, bank loans often require collateral or mortgage. &quot;We are the product service and design services, no factories, industry, less collateral, banks are reluctant to lend to us.&quot; Even factoring bank, Mei Tainuo also below standard. &quot;Banks seek to amend the sales contract, but then the Party is a huge contract listed companies, this requirement is impossible to achieve.&quot; Was the only company to rely on, only the amount of 200 million yuan Zhongguancun policy secured loan. &quot;The most difficult times cash flow, shareholders can only take money from home, at once took more than 400 million.&quot; September 2007, Beijing Technology and Finance Association&#39;s training makes all had a turn for the better. Zhang Zhiyong, recalled that when corporate financial managers participated in training sessions and in the meeting that the Bank of Communications Beijing Branch, Beijing Municipal Science and Technology Commission jointly launched the IPR pledge loan business. &quot;In the past only to know the value of intellectual property rights can be implied as a core product in the enterprise, can be used to invest in Science and Technology Commission&#39;s new policy did not expect it to can solve our financing problems.&quot; After thoroughly the economic situation of enterprises, intellectual property prices after the evaluation process, Mei Tainuo company had three communications towers with new utility model patents and other three received two million yuan in loans. &quot;It&#39;s a nice relief.&quot; According to Zhang Zhiyong introduced to Mei Tainuo intellectual property as security for loans not only brings economic benefits, but also the core of the enterprise value of intellectual property rights have a more profound understanding. &quot;Access to loans, our R &amp; D and patent protection has increased the intensity. And than before, enterprises pay more attention to R &amp; D funds.&quot; Currently, Mei Tainuo company has been the development and protection of intellectual property will be classified as business focus, and with corporate finance, the development of a virtuous circle. ?Knowledge valued Bank of Communications Beijing Branch, according to statistics, the Beijing High-tech SMEs there are 500 billion funding gap, the funds are currently in place less than 100 billion, each company only won 300,000 yuan on average, far below the enterprises development financing needs. From the perspective of effective demand, accounting for more than 99% of business loans for small and medium enterprises access to resources do not exceed 20%. In fact, &quot;as far as we know, the State Intellectual Property Office authorized a total of 1,630,000 patent, but in the Intellectual Property Office for patent pledge of only 295 contracts, involving patent 682, pledged a total of nearly 5 billion yuan.&quot; Bank of Communications Beijing Branch Zhang Xin, general manager of retail credit management introduction. In this context, the Beijing Municipal Science and Technology Commission aimed at the crux of the difficulty in obtaining loans for SMEs, efforts to revitalize the intellectual property of intangible assets, for the majority of high-quality science and technology opened up a convenient small and medium enterprises financing channels. However, the mode of intellectual property mortgage loans, how to assess the intellectual property rights is a difficult problem. , Due to the intangible characteristics of the current intellectual property mortgage loans primarily in legal, valuation and disposal of three types of risk, the specific realization of intangible assets such as the difficulty of legal and technical issues. The crux is that banks lack the appropriate professionals, it is difficult to make such a professional market evaluation of intellectual property. Municipal Science and Technology Commission official said, For this problem, the Urban Science and Technology Commission and Bank of Communications together to create a new business model, that assessment institutions by the Intellectual Property valuation, law firms and legal assessment, the introduction of a security company if necessary when the transitional transfer of nonperforming loans, banks and cooperative institutions to create four common platform for business operation and risk control, release of intellectual property as security for loans to SMEs. Accepting loan applications in business, intellectual property rights of liquidity source of repayment for the bank to judge the reliability and degree of credit risk is essential. Citylink asset valuation, according to General Manager Liu Godo introduced the market to determine the profitability of intellectual property, the value of stability, liquidity, specific needs assessment process to consider the transferability of the patent (ie, whether others can use the patent) Are there any other impact of patents on the patent, the patent profitability and revenue risks, patent life, etc, the scope of trademark registration should be considered.ysis, industry awareness, among consumers of degrees and other factors, to minimize valuation of intellectual property mortgage loan risk. On the other hand, the introduction of transitional security company, to a certain extent, solve the lenders as security for loans in the event of default of intellectual property disposal risk. In the specific implementation, the Bank of Communications Beijing Branch has implemented specifically for small and medium loans &quot;individual issuing system&quot;, eliminating the credit part of the trial will be collectively considered, greatly increased the processing efficiency. Zhang Xin said: &quot;The relatively flexible and the amount of the loan period, but also to the maximum extent to meet the financing needs of enterprises.&quot; It is learned from the end of October 2006 Bank of Communications Beijing Branch, Beijing Science and Technology Commission to promote the country pioneered intellectual property as security for loans, as of the end of March 2009, there were 34 enterprises amounted to intellectual property as security for loans, nearly 400 million yuan, involving electronic technology, biological medicine, new materials, environmental protection, the Olympics and other high technology fields. The flow of credit related to biological medicine, new materials, electronic science and technology, the Olympic economy and other industries. More than 30 intellectual property rights in the document as security for loans in repayment generally good company, has no non-performing loans. In addition to the Bank of Communications, the July 22, 2008, Beijing Science and Technology Commission and Bank of Beijing to further promote the intellectual property as security for loans, expanded the scope of intellectual property as security for loans so that more intellectual property rights of technology companies to enjoy preferential policies . Launch package In the Beijing Science and Technology Commission to promote intellectual property as security for loans in the rescue Mei Tainuo solve the company&#39;s liquidity crisis is just one case. Municipal Science and Technology Commission, said the person in charge, of the 2007 and 2008 the implementation of intellectual property as security for loans of enterprises in Beijing have already been warmly welcomed, in particular, which own independent intellectual property rights of enterprises enthusiastic response, the first in China to crack SME financing problems and revitalize the intangible assets to create a new model of intellectual property. And for the assessment, insurance, guarantees and other program costs resulting from the various intermediaries in the loan amount usually less than 4%, plus interest on the loan, the larger the pressure on the situation of SMEs, the Beijing Science and Technology Commission has also earmarked special funds (total scale 10 million), repayment of loan companies that have implemented the policy loan interest subsidy, so that more companies really mitigation funds through loans to the pressure. After exploring the misconduct, the Beijing Science Committee in deepening the science and technology system to enhance the ability of independent innovation process, following the market rules and the law of development, and actively explore the support of the financial services business model innovation, launched the enterprise listing of training, technology, insurance, investment and intellectual property mortgage loans and financing, &quot;Technology and Finance package&quot; services, to vigorously promote the combination of technology and finance for enterprise innovation escort. &quot;Facts have proven that meet the business needs of intellectual property as security for loans and banks need to expand financial services to meet the requirements of the market operation mechanism and has strong vitality.&quot; The official said.
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