Behind the food you are familiar with, there is such a financial story

What connection can a grain of malt, a drop of honey, and a mushroom have with finance? During the "Inclusive Finance Promotion Month", Gu Lei, the account manager of Shanghai Hongkou Sub-branch of Industrial Bank, entered the park with his "persistence" in the identity of "foodie", his understanding of the intellectual property pledge financing business, and his thinking on the application of financial products in the food industry chain, and built a bridge between the food industry and the financial industry.

In addition to his identity as an account manager, he also has two other identities: "Lecturer of Shanghai Intellectual Property Financial Service Alliance" and "Financial Correspondent" of Shanghai Branch. As a lecturer and correspondent, he is not only thinking about conveying knowledge to the audience in an easy-to-understand way, but also thinking about how to help customers understand the "potential value" of common commodities such as malt, honey and mushrooms, and how to use "intangible assets" as the starting point to create value for customers with financial services.

"It turns out that intellectual property rights can still be 'realized', listening to the lecturer's explanation, our company has a spectrum in our hearts. Enterprise personnel at the park site said. "Xing" goes, and the enterprise has "Pu".

From a mushroom to see how "intellectual property" becomes a "mushroom" method

In the R&D center of Shanghai Fengke Biotechnology Co., Ltd., technicians make culture media in the laboratory and "cook" mushrooms with potatoes, glucose and agar. Here, in a tank of liquid nitrogen at more than minus 100 degrees, the strains of edible mushrooms can be stored for 20 to 30 years...... The mushrooms you see in supermarkets may be produced here.

Founded in December 2001, Fengke Biotech is a high-tech enterprise integrating technology research and development, production and sales, trade and brand building in the rare edible and medicinal mushroom industry, with more than 40 invention patents and utility model patents. The company attaches great importance to R&D investment, with a cumulative investment of about 13.46 million yuan in the past three years. Huge investment, need financial help. After learning that the enterprise has the intention of developing new products and exploring new markets, IB Shanghai Branch has always maintained close contact with customers.

"In the process of connecting with customers, relationship managers are not only financial service providers, but also experts who understand the industry and understand customer needs. In our eyes, a mushroom is not only a rare edible and medicinal mushroom, but also an important carrier carrying the value of production technology and intellectual property. It is the direction of our efforts to smooth the road of 'intellectual property' to 'asset' and make the road of enterprise innovation unimpeded. Gu Lei said.

At the end of 2022, the company's technology R&D center needs to be upgraded, and capital turnover is difficult. In February 2023, IB Shanghai Branch completed the placement of RMB 10 million in intellectual property pledge financing loan based on the company's financial needs and patent value, which not only alleviated the short-term financial pressure of the enterprise, but also injected vitality into the long-term development of the enterprise. In March 2024, another 10 million yuan of intellectual property pledge loans will be invested to help the company grow.

From a drop of honey to explore the secret "honey" of "well-known trademark" and "realization"

The first rays of the morning sun shine through the curtains, and the amber-like crystal clear honey slowly spreads in the warm water, giving off a faint floral fragrance and sweet scent. Behind the "drop of honey", there is the fragrance of flowers, the nourishment of rain and dew, and the financial "irrigation" of IB Shanghai Branch.

Shanghai Sen Bee Garden Bee Industry Co., Ltd. is a leading enterprise in agricultural industrialization in Shanghai, a leading enterprise in the national bee industry and a high-tech enterprise in Shanghai, and has been awarded the honorary titles of "Shanghai Famous Trademark" and "China Famous Trademark".

During the "Intellectual Property Service Alliance", Gu Lei learned about the financial needs of customers through the members of the alliance, and since then he has started close cooperation with enterprises. "The Intellectual Property Alliance has built a bridge of communication for us, and the members of the alliance have a common goal, to use intellectual property as the 'fulcrum' and 'leverage' richer resources to provide customers with more comprehensive and multi-angle financial services. Gu Lei said.

The middle of each year is the peak season for purchasing raw honey, and it is also the peak of the capital demand of the forest bee garden. In March 2022, on the basis of professional evaluation, IB Shanghai Branch pledged the exclusive right to use the "Sen Bee Garden" series of well-known trademarks to provide inclusive loans totaling RMB 15 million to it and its subsidiaries. Pledge through online channels to efficiently help enterprises transform "intellectual property" into "assets". This pledge of the exclusive right to use the trademark has become the first order of IB Shanghai Branch and the first order of Fengxian District, achieving a "double breakthrough". In July 2023, IB Shanghai Branch once again provided 10 million yuan of credit support to enterprises to help them develop with high quality.

From a grain of malt to see how the "brewing process" becomes the new "wheat".

The weather is getting hotter, and the combination of "kebab + beer" is back. A bite of barbecue, charred on the outside and tender on the inside, full of aroma, a sip of beer, cool and thirst-quenching, endless aftertaste. For consumers who only like the taste of beer and do not want to consume alcohol, non-alcoholic beer has become a new choice for consumption.

Wu Yu Food Technology (Shanghai) Co., Ltd. is the first domestic non-alcoholic beer brand sales enterprises, the company lasted three years of independent research and development of "clear brewing precision brewing technology", successfully applied for 4 invention patents and a number of other patents, the current products have been fully rolled out through online and offline, not only into more than 10,000 domestic including catering, supermarkets and other different types of retail terminals, but also exported to North America and the Middle East countries.

"The acquaintance with Wufu began in 2021, when under the docking of a science and technology entrepreneurship center in a district, we established preliminary communication with the company, as a bank willing to grow with the company, we have always been paying attention to the growth of the enterprise and understanding the needs of the enterprise. Gu Lei said.

Recently, IB Shanghai Branch plans to provide credit support to enterprises in the form of working capital loans (investment joint loans) by way of pledge of trademark rights.

From a grain of malt to a bottle of beer, from a drop of raw honey to a drop of honey, from a strain to a mushroom, every link of the food industry chain is full of wisdom and innovation, which is the core of intellectual property protection and the focus of financial service support.

In IB Shanghai Branch, the relationship manager not only "understands" the products, but also "understands" the industrial chain where the products are located. "There's a lot of knowledge about intellectual property, and there's a lot of financial services that we can do. In the food industry, we have supported Fengke Biotech from production to processing, and we have served Mori Bee Garden from processing to sales. Trademark pledge and patent pledge were strung together one by one in the case, and over time, this knowledge appeared in my mind in the form of an industrial chain. Gu Lei said, "Coincidentally, on the day of the lecture in the park, it was a meal when I arrived, and after talking about these delicacies, 10 'specialized, special and new' enterprises expressed their interest in the services of IB on the spot." ”

In recent years, IB Shanghai Branch has continued to focus on improving the availability and inclusiveness of financing for small and micro enterprises, and further reached the upstream and downstream small, medium and micro enterprises in the enterprise industrial chain through inclusive financial products and services. Recently, the Bank was awarded the "2023 Shanghai Intellectual Property Finance Outstanding Contribution Unit" by the Shanghai Intellectual Property Financial Services Alliance. As of the end of March 2024, the balance of the bank's intellectual property pledge financing was 1.336 billion yuan, a net increase of 52 million yuan from the beginning of the year, involving 216 transactions.

In the future, IB Shanghai Branch will continue to carry out the four-party docking of government, banking, insurance and enterprises, give full play to the advantages of the integration of "business, investment and private cooperation", take the "Inclusive Finance Promotion Month" as an opportunity to gain an in-depth understanding of the needs of enterprises, accurately match financial products, and constantly explore new paths for the deep integration of financial services and the real economy.