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Creating the "Qingdao Model" for Intellectual Property Pledge Financing

Source：Haibao News 09-30-2026 10:00:00

As of the end of June 2026, the number of valid invention patents in Qingdao exceeded 100,000. To promote the monetization of intellectual property (IP), multiple departments in Qingdao have jointly issued an implementation plan and supporting guidelines. By launching the "Qingzhi Loan", they aim to establish the "Qingdao Model" for IP pledge financing.

The "Qingzhi Loan" is available to micro, small, and medium-sized enterprises holding various types of intellectual property. It offers a maximum loan amount of 20 million yuan per borrower, with a term of up to three years. The city is improving its service ecosystem through a "Four Expansions and Three Innovations" strategy: expanding the pool of credit recipients, capital supply, collateral assets, and valuation channels; and innovating credit enhancement models, collateral disposal pathways, and supporting service alliances. Additionally, various measures are being taken to reduce financing costs, standardize fee disclosures, and alleviate the financial burden on enterprises.

The plan establishes a three-year development goal to promote these financial products and expand their application scenarios year by year. By 2028, it aims to build a mature and efficient development ecosystem, ultimately creating a replicable and scalable "Qingdao Experience" for IP financing.