附件 2 ICS 03.060 CCS A 11 团 体 标 准 T/CQJR 029 -202 5 重庆市知识产权挂钩贷业务操作指南 The Operation Guide for Chongqing's Intellectual Property-Linked Loan Business 202 5 年 3 月 21 日 发布 202 5 年 4 月 21 日 实施 重庆市金融学会 发布全国团体标准信息平台 T/CQJR 0 29 -2025 I 目 次 前 言 ........................................................................................................................................................... II 引 言 ......................................................................................................................................................... III 1 范围 ..................................................................................................................................................................... 1 2 规范性引用文件 ................................................................................................................................................. 1 3 术语和定义 ......................................................................................................................................................... 1 4 基本要求 ............................................................................................................................................................. 1 4.1 借款人所属范围及知识产权要求 .......................................................................................................... 1 4.2 期限要求 ................................................................................................................................................. 2 4.3 信贷业务品种要求 ................................................................................................................................. 2 4.4 信贷资金用途要求 ................................................................................................................................. 2 4.5 信息披露要求 ......................................................................................................................................... 2 5 业务流程 ............................................................................................................................................................. 2 5.1 一般性要求 ............................................................................................................................................. 2 5.2 信贷准入 ................................................................................................................................................. 2 5.3 知识产权指标商定和协议签订 ............................................................................................................. 3 5.4 信贷申报 ................................................................................................................................................. 3 5.5 合同审查 ................................................................................................................................................. 3 5.6 知识产权成长指标监测 ......................................................................................................................... 3 5.7 知识产权认定 ......................................................................................................................................... 3 5.8 融资科目核算 ......................................................................................................................................... 4 6 风险管理 ............................................................................................................................................................. 4 6.1 风险缓释 ................................................................................................................................................. 4 6.2 贷后管理 ................................................................................................................................................. 4 6.3 授权和审批管理 ..................................................................................................................................... 4 6.4 业务终止 ......................................................