Method and system for intellectual property trusteeship guarantee quick loan

Abstract

The invention relates to a method and a system for intellectual property trusteeship guarantee quick loan, and discloses a method and a system for intellectual property trusteeship guarantee quick loan, which can guarantee mortgage loan of intellectual property ontology and improve the success rate of intellectual property conversion. With the help of a new intellectual property trusteeship platform and a mortgage loan method, data provided during enterprise loan can be reduced, and the intellectual property conversion efficiency is improved. The system is characterized by comprising an intellectual property management platform, a financial institution and a third-party intellectual property operation institution, wherein the financial institution check in the intellectual property management platform; an intellectual property owner manages the intellectual property to the intellectual property management platform; the intellectual property trusteeship platform judges and evaluates theintellectual property trusteeship; the check-in financial institution loaning the intellectual property owner according to the evaluation value; and the third-party intellectual property operation mechanism carries out underpinning on the intellectual property value of the intellectual property trusteeship platform.

Description

technical field [0001] The invention relates to a method and system for entrusting intellectual property rights to guarantee quick loans, relating to a method and system for entrusting intellectual property rights to guarantee quick loans, and belongs to the field of information technology. In particular, it relates to a method and system for guaranteeing quick loans of intellectual property custody and improving the success rate of transformation of intellectual property rights by guaranteeing mortgage loans on intellectual property rights. Background technique [0002] With the gradual rise of the knowledge economy and the in-depth development of science and technology, the focus of corporate asset value has gradually shifted from tangible material assets to intangible intellectual property rights, and intellectual property rights can also be used for loans. Traditional intellectual property loans, due to the single platform of financial institutions , the ability to dispo...

AI Technical Summary

Problems solved by technology

[0002] With the gradual rise of the knowledge economy and the in-depth development of science and technology, the focus of corporate asset value has gradually shifted from tangible material assets to intangible intellectual property rights, and intellectual property rights can also be used for loans. Traditional intellectual property loans, due to the single platform of financial institutions , the ability to dispose of intellectual property-related loans is limited, so the subject of intellectual property pledge must have the conditions to form products and generate profits, and evaluate the assets of intellectual property according to the profitability of the enterprise. Its essence is the comprehensive management ability of enterprises with intellectual property as the core assessment, while providing intellectual property rights as the subject of mortgage, it is also necessary to provide additional repayment guarantees such as asset mortgages and guarantees. The intellectual property itself cannot be independently mortgaged, and cannot solve the problem of mortgage loans at the initial stage of intellectual property transformation. For enterprises At present, a large number of idle patents cannot be realized;

[0003] The current situation of intellectual property loans is that first, it is difficult to evaluate the value of intellectual property rights, and the value of intellectual property rights is not in line with the market. Second, it is difficult to realize intellectual property rights, and it is too difficult for banks to dispose of intellectual property rights. Third, enterprises use intellectual property rights Loans need to be evaluated by a third-party evaluation agency, with additional charges, high fees, and a long evaluation cycle, and the bank does not yet recognize the evaluation price; fourth, the use of intellectual property loans by enterprises has a long cycle, and there are many audit items and types of audits, which affect enterprises. Loan Motivation

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