香港政府承诺扩大其知识产权（IP）融资支持计划，计划吸引更多银行和企业参与该计划。此前，已有七家企业的试用结果显示，该计划有效降低了它们的融资成本。
The Hong Kong government has pledged to expand its intellectual property (IP) financing sandbox scheme by adding more participating banks and enterprises, after seven corporate users found that a nine-month trial helped lower their borrowing costs. “This will help refine the IP ecosystem, including valuation practices, professional service costs, supporting measures and market awareness,” Carmen Chu Lap-kiu, executive director of banking supervision at the Hong Kong Monetary Authority (HKMA), said on Wednesday.
“这将有助于完善香港的知识产权生态系统，包括知识产权估值方式、专业服务费用、相关支持措施以及市场认知度，”香港金融管理局（HKMA）银行业监管总监Carmen Chu Lap-kiu周三表示。
“These initiatives can also better support the development of the Northern Metropolis and key industries, while helping small and medium-sized enterprises go global and explore new markets.”
“这些举措不仅能更好地支持北部都会区（Northern Metropolis）及关键产业的发展，还能帮助中小企业走向国际市场、开拓新市场，”她补充道。她指出，该计划有望满足北部都会区重点产业（如高科技、物流和教育领域）未来的融资需求。
She said the scheme was expected to support key industries in the Northern Metropolis megadevelopment, such as hi-tech, logistics and education, with their future financing needs. Chu’s remarks came as the Commerce and Economic Development Bureau, the Intellectual Property Department and the monetary authority – the city’s de facto central bank – announced the first batch of successful pilot cases.
Chu的发言是在香港商务及经济发展局、知识产权署以及香港金融管理局（该市的实际中央银行）宣布首批成功试点案例之际作出的。这七家试点企业分别来自电子、建筑、玩具制造和医疗器械行业，贷款金额介于100万港元至3900万港元之间。
The seven cases span the electronics, construction, toy manufacturing and medical device sectors, with loan amounts ranging from HK$1 million to HK$39 million. Proposed in last year’s policy address, the initiative provides a “pioneer and pilot” approach and a collaborative, risk-controlled environment for banks, enterprises and relevant professional services organisations to test the full life cycle of financing arrangements based on IP assets, aiming to build practical experience.
该计划是在去年的政策演讲中提出的，旨在为银行、企业及相关专业服务机构提供一个“先行先试”的平台，并创造一个合作性强、风险可控的环境，以便他们能够全面测试基于知识产权资产的融资方案，从而积累实际操作经验。参与该计划的银行包括中国银行、汇丰银行和渣打银行（香港分行）。
Three note-issuing banks – Bank of China, HSBC and Standard Chartered Hong Kong – took part in the scheme. Chu noted that the project had enabled businesses to secure larger loans at lower interest rates, as banks took enterprises’ IP valuations into account when assessing future business development and repayment capacity, and accepted the valuations as collateral to mitigate credit risk.
Chu指出，由于银行在评估企业的未来发展前景和还款能力时会考虑其知识产权的价值，并将这些估值结果作为抵押物来降低信用风险，因此该计划帮助企业获得了更高额度的贷款且贷款利率更低。
“Banks incorporate IP valuation reports into their credit assessments. Based on these valuations, banks can award additional points in the credit evaluation, enabling enterprises to obtain larger and cheaper loans,” she said.
“银行会将知识产权（IP）的评估报告纳入其信用评估流程中。根据这些评估结果，银行可以在信用评估中给予企业额外的加分，从而帮助企业获得额度更大、利率更低的贷款，”她说道。
“From the successful cases, we can see that after taking IP valuations into account, the loan amounts secured by enterprises have increased by 25 to 50 per cent, and the interest rates on the loans can also be reduced by 25 to 150 basis points.”
“从成功的案例来看，企业在获得贷款后，贷款金额平均增加了25%至50%，贷款利率也降低了25%至150个基点。”朱表示，银行目前正在处理更多的申请案例，并预计成功申请的数量会持续增加。
Chu said banks were already processing additional cases and expected the number of successful applications to keep rising. While authorities planned to expand the trial by inviting more banks, enterprises and professional institutions to take part, Chu said they had not set a rigid timeline or specific targets for the number of participating banks and businesses.
虽然有关部门计划通过邀请更多银行、企业及专业机构参与该试点项目来扩大其覆盖范围，但朱并未为参与银行和企业的数量设定具体的时间表或目标。
Helen Chung Chi-ching, deputy secretary for commerce and economic development, said the scheme addressed lending challenges faced by companies with high-quality IP but lacking physical collateral, describing the trial as a solid start.
商务及经济发展局副局长钟志清表示，该计划旨在解决那些拥有高质量知识产权但缺乏实物抵押品的企业在融资方面所面临的难题，她将此次试点视为一个良好的开端。
“We aim to accumulate more diverse cases across different industries so that we can observe market responses, learn from the experience and consider how to expand in the next phase,” Chung added.
“我们希望收集来自不同行业的更多案例数据，以便观察市场反应、总结经验，并为下一阶段的推广工作做好准备，”钟志清补充道。
“[We hope] that the participating enterprises will be more diversified. As we see, there are currently four industries involved; all comers are welcome in the future.”
“我们希望参与的企业能够更加多样化；目前已有四个行业参与了试点项目，未来欢迎所有有兴趣的企业加入。”政府还宣布，将通过香港科技创新支援中心推出为期两年的“专利评估支持计划”，该计划提供最高8万港元的一次性资金支持，采用“配套拨款”的方式，帮助中小企业聘请专业的服务机构对其专利及其他知识产权资产进行评估。——马修·程（Matthew Cheng）
The government also announced the launch of the two-year Pilot Patent Valuation Support Scheme through the Hong Kong Technology and Innovation Support Centre on Wednesday. It provides one-off funding capped at HK$80,000 through a matching grant model to support small and medium-sized enterprises in commissioning a qualified service provider to value their patents and other IP assets. By Matthew Cheng