The Role of Intellectual Property Pledge in Banks

Hello, I'm the account manager of the bank. The pledge of intellectual property rights and patent rights have emerged in recent years. The reason for the rise is that with the development of banking business, more and more enterprises have mortgaged the most acceptable and valuable housing property rights and land use rights of banks to other banks early. For the banks involved later, it is necessary to find a new way to open up the market and win new corporate customers. However, in the process of actual business operation, these two forms of pledge can not be used separately in general. Because these two kinds of pledged rights are difficult to realize and their value is difficult to determine, banks use them as an additional repayment guarantee in the process of operation. We can publicize our bank's acceptance of these two new ways of pledge to customers, but when customers apply for loans, they only say that the role of these two ways is to expand the loan amount, and actually they still need traditional ways such as mortgage of house property rights. All hands are welcome.