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Position:The bank credit that defeat solution " house property card depends on disease "
Origin: Author: Stand originallyTime: 2008-10-27Tag: Click:The message is coming out on the Fair of achievement of new and high technology of the 10th China International that Shenzhen holds: Branch of traffic bank Beijing had revolutionary attempt two years, business of loan of intellectual property impawn gives letter company 37, extend intellectual property borrows money 44, four hundred and two million seven hundred and fifty thousand yuan, all expiring the enterprise still is borrowed entirely, did not form brushstroke bad loan.
Make the successful attempt of travel Beijing branch, caused those who come from personage of the expert scholar of countrywide each district and financial industry, business circles to stimulate argue: How can just drive more movable impawn, turn round bank credit thoroughly " does house property card depend on disease " ? How to seek from vaster domain solve financing of medium and small businesses does difficult, bank put the issue with be borrowed difficult?
Make the attempt that travel Beijing branch succeeds
By 2006, branch of traffic bank Beijing takes the lead in in the whole nation open " financing of intellectual property impawn " this one brand-new finance serves mode. Zhang Xin of general manager of department of retail credit government represents subsidiary bank of traffic bank Beijing, this kind of mode solved financing difficult problem for science and technology medium and small businesses already, extended the credit business new field of the bank again.
Up to by August 2008, business of loan of impawn of traffic bank intellectual property gives letter company 37, extend in all intellectual property borrows money 44, four hundred and two million seven hundred and fifty thousand yuan, among them, patent impawn borrows money 57.45 million yuan, impawn of trade mark right borrows money 243.3 million yuan, copyright assures loan 102 million yuan. All expiring the enterprise still is borrowed entirely, did not form brushstroke bad loan.
Enlist partner of among them office of attorney of Beijing classics abb Guo Feng's lawyer expresses, this mark is worn it is completely feasible that intellectual property borrows money in bank impawn, the venture can control.
Evaluate Liu Wutang of limited company general manager to think into asset repeatedly, intellectual property has begun to make the business point of growth with new bank, intellectual property will become a bank the competitive central issue in business of credit of medium and small businesses.
Excessive depend on praedial assure bring an issue heavily
Although Beijing respect undertook bold success tries, but Shenzhen a few must the medium and small businesses that capital supports expresses to the reporter, this kind of new financing form is bad in reality to use, each are big the commercial bank fails to roll out product of patent impawn loan up to now, capital lacks set back the power that they have the technology innovates.
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