On August 31, 2025, China’s National Intellectual Property Administration (CNIPA) announced that Bank of China (BoC) would provide 10 billion RMB ($1.4 billion USD) for intellectual property collateralization (or pledging) for small and medium enterprises with particular emphasis on artificial intelligence. At least 5 billion RMB in special credit lines will be allocated to pilot areas of the intellectual property finance ecosystem (i.e., Beijing, Shanghai, Jiangsu, Zhejiang, Guangdong, Sichuan, Shenzhen, and Ningbo). The program, known as “Knowledge, Benefits and Action,” aims to “accelerate the implementation of the requirements of the ‘Special Action Plan for Patent Transformation and Utilization (2023-2025)’ regarding diversified intellectual property financial services, promote the efficient use of intellectual property rights of private enterprises through intellectual property financial services, and enhance the innovation and development capabilities of private enterprises.”
Bank of China branches will strengthen support for intellectual property pledge financing for enterprises through specialized intellectual property financing products such as “Hui Ruyuan·Zhihui Loan,” “Xiaowei Speed Loan·Kechuang Loan,” and “Zhidaitong.”
The goals include:
(1) Careful organization and implementation. Intellectual property management departments at all levels and branches of the Bank of China should regard special activities as important financial service measures to promote the implementation of the special action plan for patent transformation and utilization and the implementation of the comprehensive pilot program for the intellectual property financial ecosystem. They should actively coordinate and cooperate around key links such as enterprise invitation, demand matching, and policy support, and organize them efficiently and in a standardized manner.
(2) Deepen cooperation between banks and governments. Intellectual property management departments at all levels and branches of the Bank of China should strengthen coordination with local financial regulatory, science and technology, industry and information technology, and the Federation of Industry and Commerce departments, organize local private enterprises and scientific research institutions in key industries to actively participate in special activities, and invite experts in related fields to provide professional support.
(3) Improve service quality and efficiency. Intellectual property management departments at all levels should strengthen the implementation of supporting policies and organize bank-enterprise docking. All intellectual property business acceptance windows should continuously optimize pledge services to increase the convenience and immediacy of business processing. Bank of China branches should open fast service channels for participating enterprises, improve approval efficiency, and fully utilize relevant financial policies.
(4) Conduct publicity and analysis. Intellectual property management departments at all levels and Bank of China branches should intensify publicity efforts, conduct statistical analysis of achievements and work summaries, and promptly report typical cases and excellent results.
The program will run from August 2025 to July 2026.
The original text is available here (Chinese only).
