Intangible assets for loans: multiple parties collaborate to promote credit issuance and make effective efforts

Everyday Economic News AI Express. Under the guidance of regulatory policy, credit resources are accelerating toward key areas such as technological innovation and small and micro enterprises. The annual report data recently disclosed by listed banks show this clearly as well: by the end of 2025, Industrial and Commercial Bank of China’s technology loan balance reached 6 trillion yuan; at Bank of Communications, the growth rates of lending to “specialized, refined, distinctive, and innovative” small and medium-sized enterprises and lending to technology-based small and medium-sized enterprises were 21.02% and 36.29%, respectively; and at Postal Savings Bank, the balance of inclusive small and micro enterprise loans reached 1.8 trillion yuan… The reporter learned that “intangible assets” such as patents, trademarks, copyrights, and data assets are being converted into credit resources to support enterprises in priority areas such as technological innovation and small and micro firms, helping ease firms’ difficulties in obtaining financing. However, how to smooth the appraisal and valuation of intangible asset value and improve risk-sharing mechanisms remains a real issue that urgently needs to be solved to open up the “last mile” of bank-enterprise financing. (Securities Times)

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