Chapter I  General  Rules

Article 1  To promote the intellectual property pledge financing work, give full play to the financial funds to guide and incentives to encourage the banking industry and other financial institutions to increase the credit support for science and technology-based small and medium-sized enterprises in our region to improve the scale and effectiveness of intellectual property pledge financing, alleviate the small and medium-sized enterprises financing. Promote intellectual property pledge financing work, give full play to the guidance and incentive effect of financial funds, encourage the banking industry and other financial institutions to increase the credit support for science and technology-based small and medium-sized enterprises in our region, improve the scale and effectiveness of intellectual property pledge financing to alleviate the difficulties of small and medium-sized enterprises in financing, financing and other issues, according to the Liaoning Provincial Intellectual Property Office, the Department of Finance of Liaoning Province, and Liaoning Provincial Bureau of Local Financial Supervision, the "On the Revision of The relevant provisions, combined with the actual situation in our region, the formulation of this approach.

Article 2  The Hi-tech Zone Intellectual Property Pledge Financing Risk Compensation Fund is established and managed by the Hi-tech Zone Finance.

Article 3  Risk Compensation Fund is specifically used to compensate for the loss of principal incurred by cooperating financial institutions in carrying out intellectual property pledge financing services for enterprises in the Hi-tech Zone in accordance with the agreed ratio. The fund provides risk compensation for the loan principal of pure intellectual property pledge (refers to the loan obtained entirely by intellectual property pledge) and the loan principal of the part of the combined pledge bank loan that clearly belongs to the pledge of intellectual property assets.

Article 4  Risk Compensation Fund in accordance with the principles of government guidance, market operation, standardized management, risk prevention for the management, the use of "Risk Compensation Fund + Bank", "Risk Compensation Fund + guarantee + bank" and "Risk Compensation Fund + insurance + bank" three modes of operation, that is, "know the bank loan", "know the loan" and "know the guarantee". The "Knowledge Bank Loan", "Knowledge Guarantee Loan" and "Knowledge Insurance Loan" modes of operation.

Article 5  The enterprise referred to in these measures refers to the high-tech zone registered in the industrial and commercial, tax authorities, with independent legal personality, in line with the industrial policy and development direction of Dalian, and sustained research and development, production and service business enterprises.

Article 6  Intellectual property rights financing referred to in these measures refers to the use of intellectual property rights, including invention patents, utility model patents and design patents and trademarks and other intellectual property rights are pledged to obtain bank credit funding financing model.

Chapter II  Mode of Operation

Article 7  Knowledge of the Bank Loan" mode. Risk compensation fund to bear the proportion of loan principal loss by the Hi-tech Zone Finance Bureau and the bank negotiation to determine, but not higher than 40%.

Article 8   "Knowing the loan" mode. Risk compensation fund to bear the proportion of loan principal loss by the Hi-tech Zone Finance Bureau and the guarantee company, the bank negotiated to determine, but not higher than 40%, and the bank to bear the risk of the proportion shall not be 0.

Article IX    "Knowledge of the insurance loans "Model. The proportion of loan principal loss borne by the risk compensation fund is determined by the Hi-tech Zone Finance Bureau in consultation with the insurance company and the bank, but not higher than 20%, and the proportion of risk borne by the bank shall not be 0.

If an enterprise defaults on a loan, the risk compensation fund and the cooperating financial institution shall bear the actual risk-sharing ratio in accordance with the agreement The financial institutions will recover the unrecovered loan principal and interest, and the recovered funds will be distributed according to the risk-sharing ratio.

Chapter III  Cooperating Institutions

Article 10  Hi-tech Zone Finance Bureau shall select cooperating financial institutions. The cooperative institutions shall introduce innovative financial products in line with the law of intellectual property pledge financing, and guide and support enterprises to obtain the required funds through intellectual property pledge financing. If the cooperating organization does not carry out the business of intellectual property pledge financing within one year, the Finance and Economy Bureau of Hi-tech Zone may terminate the cooperation relationship with it.

Article 11  For banks with overdue rate of intellectual property pledge financing (total amount of overdue loans/accumulative amount of loans issued) reaching 10%, the cooperative financial institutions shall immediately suspend the new risk compensation business. Hi-tech Zone Finance Bureau will work with the cooperative institutions on the risk control mechanism, operation mode and other aspects of the re-negotiation, to be effective control of risk before resuming the risk compensation business. During the suspension period, the loan business that has been carried out and not yet settled should fulfill the risk sharing responsibility in accordance with the agreement of cooperation.

Article XII  Cooperative financial institutions, such as fraud or conspiracy with enterprises to fraudulent loans, risk compensation fund, once verified, high-tech zone financial and financial bureau of the law to recover the risk compensation fund, and cancel the qualification of cooperation.

Chapter IV  Business Processes

Article 13  Intellectual Property Pledge Financing Risk Compensation Program. Intellectual property rights used for pledge shall apply to the High-tech Zone Science and Technology Innovation Bureau for the record, after expert evaluation, into the intellectual property pledge financing risk compensation project library, before the risk compensation fund support; project record into the library is valid for one year.

Article 14  Application for loans. Enterprises to financial institutions to put forward risk compensation intellectual property rights pledge financing applications, according to the financial institutions pledge financing program arrangements for intellectual property rights assessment, submit loan application materials, by the financial institutions through the review, with the financial institutions to handle the relevant procedures.

Article 15  Risk Compensation Fund for the compensation program is limited to the requirements of: small and medium-sized enterprises intellectual property rights pledged a single loan of not more than 3 million yuan, micro-enterprises a single loan of not more than 1 million yuan. The maximum loan amount of the same enterprise does not exceed 4 million yuan, the loan period does not exceed one year.

Chapter V  Risk Compensation

Article 16  For the support of the scope of intellectual property rights in the pledge loan principal loss, risk compensation fund in accordance with the proportion of sharing compensation. Loan interest losses and debt recovery costs and other costs borne by the cooperative institutions.

Article 17  If an enterprise's intellectual property pledge loan is overdue, the cooperating bank shall report the relevant information and make an application for risk loss compensation within five days. After review and confirmation, the High-tech Zone Finance Bureau in accordance with the provisions of the transfer of funds.

Article 18  Cooperative institutions in accordance with the law and timely recovery of claims, recovery of funds recovered according to the proportion of risk borne by the parties to return. Need to bring a lawsuit or arbitration, should be informed in advance in writing to the High-tech Zone Finance Bureau.

Article 19  In the event of overdue loans to the enterprise, suspend its eligibility to apply for loans from the risk compensation fund until the due diligence of the cooperating banks through the restoration.

Chapter VI  By-laws

Article 20  Dalian Hi-tech Zone Intellectual Property Pledge Financing Risk Compensation Fund to implement the management of the special account, earmarked for special purposes, independent accounting, and shall not be intercepted, crowded, misappropriation.

Article 21  Cooperative banks should report to the Finance and Banking Bureau of the Hi-tech Zone within the last 10 working days of each quarter on the situation of intellectual property loans to small and medium-sized enterprises in the previous quarter.

Article 22  The use of the risk compensation fund shall be subject to the supervision and inspection of the financial and audit departments of the Dalian Hi-tech Zone and the Discipline Inspection and Supervision Commission in accordance with the law.

Article 23  These measures shall be interpreted by the Administrative Committee of Dalian Hi-tech Zone, and shall be formally implemented on March 1, 2023, and shall be valid until May 12, 2027. The Measures for the Administration of the Risk Compensation Fund for Pledge Financing of Intellectual Property Rights in Dalian High-Tech Zone (Revised in 2021) (Dagao Guanfa [2021] No. 19) and the Measures for the Administration of the Risk Compensation Fund for Pledge Financing of Intellectual Property Rights in Dalian High-Tech Zone (Dagao Guanfa [2019] No. 3) are repealed at the same time.