On July 15th, Longyan City hosted an "IP Empowerment · Finance Assisting Enterprises" intellectual property finance government-bank-enterprise matchmaking meeting. This event was held to deeply implement the spirit of the Central Financial Work Conference, solidly advance the work of technology finance, and promote the deep integration of the "four chains": innovation, industry, capital, and talent.
During the meeting, the Longyan Branch of Industrial Bank Co., Ltd. signed the city's first strategic cooperation agreement on data intellectual property pledge financing with Longhe Intelligent Equipment Manufacturing Co., Ltd.. This agreement marks a breakthrough in Longyan's pledge financing targets, moving from traditional patents and trademarks to data assets, opening a new financing channel for intangible assets for asset-light technology companies.
The event was jointly led and organized by multiple departments including the Municipal Talent Office, the Municipal Market Supervision Administration, and the Longyan Financial Regulatory Bureau. It brought together 17 financial institutions and 15 key technology enterprises to collectively interpret preferential policies such as intellectual property interest subsidies and talent loan support.
As a key bank deeply involved in technology finance in western Fujian, the Longyan Branch of Industrial Bank Co., Ltd. released an exclusive Data Asset Pledge Loan Plan at the event, strongly supporting the high-quality development of technology enterprises.
Longhe Intelligent Equipment is a local high-end intelligent manufacturing technology company. It is a national key "Little Giant" enterprise specializing in new and sophisticated technologies, and is the nation's first provider focused on heavy-load intelligent unmanned transport, handling equipment, and system solutions for terminal materials. The company has accumulated a large amount of core data on equipment operation and intelligent scheduling, which has been registered as data intellectual property.
Recently, the technology finance team and financial commissioners stationed in the industrial park from the Longyan Branch of Industrial Bank Co., Ltd. conducted on-site visits and research. Upon learning about the company's expansion and financing needs, they precisely matched the innovative data intellectual property pledge solution. The bank moved away from relying solely on asset collateral and focused comprehensive credit on the company's core data assets, technical R&D strength, and market orders, significantly improving the financing service experience for technology enterprises.
"In the past, only factory buildings and equipment could be used for loans, and our self-developed data resources were always 'sleeping assets'. The innovative data intellectual property pledge model from the Longyan Branch of Industrial Bank Co., Ltd. has further enhanced the value of our data. The loan funds obtained are all invested in intelligent equipment upgrades and new product R&D, greatly boosting our confidence in enterprise innovation and development," said the head of Longhe Intelligent Equipment.
Addressing the common financing bottleneck of asset-light operations and a lack of collateral for high-tech and specialized, sophisticated "Little Giant" enterprises, the Longyan Branch of Industrial Bank Co., Ltd. has continuously built a multi-layered technology finance product matrix. It has successfully implemented several innovative businesses, including the province's first "Intellectual Property + Water Rights" combined pledge, the city's first talent credit loan, and an online industrial chain financing, fully adapting to the financing needs of technology enterprises in the "New, New, Organic" and "Mining+" two major local leading industries.
The landing of this city's first data intellectual property pledge business is another important practice for the Longyan Branch of Industrial Bank Co., Ltd. in fulfilling the political and people-oriented nature of finance and using digital financial services to support the real economy. The bank's relevant person in charge stated that using this signing as an opportunity, they will continuously improve the full-process service system for data asset pledges, organize financial commissioners to conduct special briefings in various enterprises, and batch-screen the data asset financing needs of technology enterprises. They will also continue to expand the combined pledge model for intellectual property, data assets, and green rights, creating a closed loop of "data confirmation - value assessment - pledge financing - R&D and expansion," continuously providing low-cost financial liquidity to technology enterprises in the old revolutionary base area of western Fujian, using financial innovation to help the city's industrial economy improve quality and increase volume.