In order to further broaden the financing channels of small and medium-sized enterprises and solve the problem of "financing difficulties", Gansu Bank innovatively launched intellectual property pledge loan products, referred to as "Gan Yin Hui Zhi loan". The product is pledged by intellectual property rights such as invention patent right and trademark exclusive right that can be transferred by the borrower in accordance with the law, and the credit is obtained to meet the financing needs in the process of production and operation.
Recently, in order to effectively give full play to the role of finance in the prevention and control of the epidemic, effectively solve the financing problems of enterprises, and help local traditional Chinese medicine enterprises develop better, Gansu Bank Zhangye Branch successfully issued the first trademark rights pledge loan of 5 million yuan to Gansu Hexi Pharmaceutical Co., Ltd. The pledge loan involving trademark rights is the first example of the Bank of Gansu, which not only broadens new ideas and explores new models for enterprise financing, but also makes more enterprises see the value of trademarks. It has a positive impact on enhancing enterprise brand awareness and promoting trademark brand construction.
Gansu Hexi Pharmaceutical Co., Ltd., which has been granted by trademark pledge, was established in 1959, formerly known as Gansu Hexi Pharmaceutical Factory, a former provincial state-owned enterprise. It is one of the large-scale, strong and technologically advanced proprietary Chinese medicine manufacturers in Zhangye City and the whole province, with an annual output of more than 800 tons of proprietary Chinese medicines. It has been identified as a high-tech enterprise in Zhangye City, a key leading enterprise in provincial agricultural industrialization, and a provincial contract-abiding and trustworthy enterprise, and its "Hexi" trademark has been identified as a well-known trademark in Gansu Province.
The Zhangye Branch of Gansu Bank went deep into the market research, innovated the service mode, and made active door-to-door docking, and effectively solved the problems of insufficient conditions of conventional mortgage guarantee and tedious process by way of trademark rights pledge. By helping enterprises to handle working capital loans in the form of trademark rights pledge, it effectively solved the financing needs of enterprises and helped enterprises to further improve the supply chain of production and marketing integrated with acquisition, processing and sales. To meet the current business production and the implementation of long-term development strategy. At the same time, under the joint promotion of innovative financial model and beneficial enterprise policy, it has also proved that a good brand is "real money and silver".
The successful launch of this loan further broadens the pledge mode of loans for small and micro enterprises in the province, provides useful experience and model reference for similar businesses, and will guide more enterprises to realize the capitalization of trademark value. let trademark brands become a new way for enterprises to solve financing problems.