Enabling IP-rich SMEs to obtain finance via new methods of scoring intangible assets as security

使知识产权丰富的中小企业能够通过无形资产作为抵押的新方法获得融资

• 批准号: 104558
• 金额: $ 22.15万
• 依托单位: INNGOT LIMITED
• 依托单位国家: 英国
• 项目类别: Feasibility Studies
• 财政年份: 2019
• 资助国家: 英国
• 起止时间: 2019 至 无数据
• 项目状态: 已结题
• 来源: https://gtr.ukri.org/projects?ref=104558
• 关键词: Enabling; IP; rich; SMEs; obtain

"The stock of intangible assets owned by UK businesses has an estimated value of £497 billion. Each year, around £130 billion is invested in new knowledge-based assets, of which over 50% are thought to be protectable using intellectual property (IP) rights (_source: Imperial College/UK IPO_).If this investment were being made in tangible assets, it would strengthen company balance sheets and provide collateral value that could be leveraged for debt finance. However, lenders traditionally attribute no value to IP and intangibles, or view them as a liability, because they do not know what the assets are, or which ones may ultimately prove to have any realisable value.Inngot has been working for some years to overcome the barriers to unlocking IP and intangible value. It has worked with a number of large and specialist lenders and international government agencies to facilitate unsecured lending by deploying and refining its award-winning digital platform to help businesses identify, value and communicate their intellectual assets, revealing over £500m of previously hidden value for SMEs.Inngot has also developed a position of thought leadership: since the 2013 _Banking on IP?_ report delivered for the UK IPO, CEO Martin Brassell has been responsible for a string of influential publications, including two studies on accounting practices for ACCA, co-authorship of the OUP book _Economic Approaches to Intellectual Property_, an authoritative investigation of UK IP valuation practice (_Hidden Value_, 2017) and an investigation of international IP finance policy initiatives for OECD (publication pending).Inngot is now focused on addressing the problem of using IP as collateral for lending. The importance of this development has been underlined by a 2017 Autumn Budget statement that ""the government will also work with businesses, lenders, insurers, the British Business Bank and the Intellectual Property Office to overcome the barriers to high growth, intellectual property-rich firms, such as those in the creative and digital sector, using their intellectual property to access growth funding"".Insurance is an important element in underpinning collateral value, but this needs scale in order to be viable. As OECD research has identified, there are two key challenges in determining which assets could have recoverable value: high assessment costs, and valuation uncertainties.This InnovateUK application addresses significant, clearly identified gaps in the current provision of IP information services which need to be 'plugged' in order to make selected IP a viable class of collateral."

“英国企业拥有的无形资产存量估计价值4970亿英镑。每年，大约有1300亿英镑投资于新的知识资产，其中超过50%被认为是可以通过知识产权（IP）保护的（_来源：帝国理工学院/英国IPO_）。如果这笔投资是在有形资产上进行的，它将加强公司的资产负债表，并提供可用于债务融资的抵押价值。然而，传统上，贷款人不认为知识产权和无形资产有任何价值，或者将其视为一种负债，因为他们不知道资产是什么，也不知道哪些资产最终可能证明具有任何可变现的价值。Inngot多年来一直致力于克服解锁知识产权和无形价值的障碍。Inngot与许多大型专业贷款机构和国际政府机构合作，通过部署和完善其屡获殊荣的数字平台来帮助企业识别、评估和交流其知识资产，从而促进无担保贷款，为中小企业揭示了超过5亿英镑的以前隐藏的价值。Inngot还发展了思想领导地位：自2013年以来，Inngot一直致力于知识产权银行业务。为英国IPO提供的报告，首席执行官马丁·斯佩尔负责了一系列有影响力的出版物，包括两项关于ACCA会计实务的研究，合著了牛津大学出版社的书《知识产权的经济方法》，这是对英国知识产权评估实践的权威调查。（_隐藏值_，2017年）以及对经合组织国际知识产权融资政策倡议的调查Inngot现在的重点是解决利用知识产权作为贷款抵押品的问题。2017年秋季预算声明强调了这一发展的重要性，“政府还将与企业，贷款人，保险公司，英国商业银行和知识产权局合作，以克服高增长，知识产权丰富的公司的障碍，例如创意和数字部门，利用其知识产权获得增长资金”。保险是支撑抵押品价值的重要因素，但这需要规模才能可行。正如经合组织的研究所确定的，在确定哪些资产可能具有可收回价值方面存在两个关键挑战：高昂的评估成本和估值的不确定性。InnovateUK的这一申请解决了当前提供知识产权信息服务方面的重大、明确的差距，这些差距需要“填补”，以使选定的知识产权成为可行的抵押品类别。"