全國首創！福建省啟動金融賦能地理標志產品專項行動
2025-09-22 點(dian)擊：次
地(di)理標(biao)志是(shi)“綠水青山”轉化為(wei)“金山銀(yin)山”的重要橋梁，金融(rong)(rong)則是(shi)激活(huo)產(chan)(chan)(chan)業活(huo)力的“源(yuan)頭活(huo)水”。如何通(tong)過地(di)理標(biao)志產(chan)(chan)(chan)品(pin)撬動“小(xiao)特產(chan)(chan)(chan)”升級(ji)為(wei)“大(da)產(chan)(chan)(chan)業”，通(tong)過金融(rong)(rong)活(huo)水潤澤(ze)產(chan)(chan)(chan)品(pin)生(sheng)態、延伸產(chan)(chan)(chan)業鏈條(tiao)、推動區域(yu)發展，是(shi)各界關(guan)注(zhu)的熱點話題。
9月19日，由福建(jian)(jian)(jian)省(sheng)市場監(jian)督管理(li)局(ju)（知(zhi)識(shi)產(chan)權局(ju)）主辦，奇富(fu)科技承辦，福州市市場監(jian)督管理(li)局(ju)（知(zhi)識(shi)產(chan)權局(ju)）、福建(jian)(jian)(jian)省(sheng)商標(biao)協(xie)會(hui)(hui)、福建(jian)(jian)(jian)省(sheng)資(zi)產(chan)評(ping)估協(xie)會(hui)(hui)協(xie)辦的(de)“金(jin)融(rong)賦能地(di)理(li)標(biao)志產(chan)品專項行動(dong)”正式(shi)啟(qi)動(dong)。這(zhe)是全國首個針對地(di)理(li)標(biao)志產(chan)品產(chan)業鏈的(de)金(jin)融(rong)科技賦能專項行動(dong)，將積極探索“金(jin)融(rong)+科技+地(di)理(li)標(biao)志+鄉村振興(xing)”的(de)融(rong)合新模式(shi)，為(wei)破解鄉村特色產(chan)業融(rong)資(zi)難題提供可復制、可推廣的(de)“福建(jian)(jian)(jian)方案”。
讓地理標志產品發展更“閩”捷
近年來，國(guo)家(jia)大力(li)推(tui)進地(di)理標(biao)志(zhi)產(chan)品(pin)(pin)高質量(liang)發展，鼓勵金融機構出(chu)臺支持(chi)地(di)理標(biao)志(zhi)產(chan)品(pin)(pin)發展的政(zheng)(zheng)策措施。本次行動以“金融活水潤地(di)標(biao)，科(ke)技(ji)賦能興鄉村”為主題，匯聚政(zheng)(zheng)企多方力(li)量(liang)。福建省、福州市市場監管（知識產(chan)權(quan)）部門，商標(biao)協會(hui)、資產(chan)評估協會(hui)、奇(qi)富(fu)科(ke)技(ji)及地(di)理標(biao)志(zhi)企業(ye)代表(biao)，共(gong)同見證了這一(yi)重(zhong)要時刻。
啟(qi)動(dong)儀式(shi)上，福建(jian)省(sheng)市(shi)場監管(guan)局與奇富科技(ji)為(wei)首(shou)批地(di)標(biao)企(qi)業(ye)授予(yu)(yu)“金(jin)(jin)(jin)融(rong)(rong)賦(fu)能地(di)理(li)標(biao)志(zhi)產(chan)(chan)(chan)品專(zhuan)項(xiang)行動(dong)重點扶(fu)持企(qi)業(ye)”牌匾(bian)。企(qi)業(ye)代表優予(yu)(yu)食(shi)品科技(ji)公司(si)創始人林(lin)媛女士在發言中(zhong)表示(shi)，過去(qu)因(yin)缺(que)乏(fa)金(jin)(jin)(jin)融(rong)(rong)機(ji)構認(ren)可的(de)(de)財務(wu)記錄和抵押(ya)(ya)物，企(qi)業(ye)長期面(mian)臨“融(rong)(rong)資(zi)(zi)難(nan)、融(rong)(rong)資(zi)(zi)貴”的(de)(de)困境；而專(zhuan)項(xiang)行動(dong)通過定(ding)制化(hua)金(jin)(jin)(jin)融(rong)(rong)服務(wu)，幫助企(qi)業(ye)快(kuai)速獲(huo)得資(zi)(zi)金(jin)(jin)(jin)支持，有效(xiao)緩解了經營周(zhou)轉的(de)(de)資(zi)(zi)金(jin)(jin)(jin)壓力(li)(li)。閩侯(hou)橄(gan)欖(lan)行業(ye)協(xie)會秘書長鄭(zheng)秀麗表示(shi)，推動(dong)商(shang)(shang)標(biao)權(quan)（特別(bie)是(shi)地(di)理(li)標(biao)志(zhi)證明商(shang)(shang)標(biao)相關(guan)權(quan)益）的(de)(de)質押(ya)(ya)融(rong)(rong)資(zi)(zi)，是(shi)盤活無形資(zi)(zi)產(chan)(chan)(chan)、解決產(chan)(chan)(chan)業(ye)發展(zhan)資(zi)(zi)金(jin)(jin)(jin)難(nan)題的(de)(de)創新途徑。為(wei)此，該協(xie)會主動(dong)作為(wei)，密集走訪對接金(jin)(jin)(jin)融(rong)(rong)機(ji)構，深入了解商(shang)(shang)標(biao)質押(ya)(ya)融(rong)(rong)資(zi)(zi)的(de)(de)政策要(yao)求、準(zhun)入條件和業(ye)務(wu)流(liu)程(cheng)。在省(sheng)、市(shi)、縣市(shi)場監督管(guan)理(li)局的(de)(de)指導(dao)下，閩侯(hou)橄(gan)欖(lan)行業(ye)協(xie)會與中(zhong)國銀(yin)行就“閩侯(hou)橄(gan)欖(lan)”地(di)理(li)標(biao)志(zhi)商(shang)(shang)標(biao)達成金(jin)(jin)(jin)融(rong)(rong)合作框架協(xie)議并簽(qian)約，獲(huo)得10億元(yuan)授信，助力(li)(li)地(di)標(biao)產(chan)(chan)(chan)業(ye)升級(ji)。
近(jin)年(nian)來，福建(jian)省市(shi)場監管局（知識產權局）按照省委、省政府決策部署，大力推進地(di)(di)(di)理(li)標(biao)(biao)(biao)志保護和(he)產業發展，走(zou)出了一(yi)條“興(xing)農富民(min)”的(de)創新發展之(zhi)路。截至目(mu)前，全省擁有地(di)(di)(di)理(li)標(biao)(biao)(biao)志產品(pin)782個、地(di)(di)(di)理(li)標(biao)(biao)(biao)志商標(biao)(biao)(biao)674件(jian)，位居全國第二；現(xian)有地(di)(di)(di)理(li)標(biao)(biao)(biao)志專用標(biao)(biao)(biao)志4866件(jian)，位居全國第一(yi)。地(di)(di)(di)理(li)標(biao)(biao)(biao)志產業實現(xian)縣(xian)域全覆蓋，帶動500余個鄉鎮(zhen)、超(chao)千萬群眾(zhong)增收致富，產業產值超(chao)過(guo)4000億元(yuan)；11個地(di)(di)(di)理(li)標(biao)(biao)(biao)志區域品(pin)牌躋身中國百(bai)強(qiang)，9個縣(xian)入選全國地(di)(di)(di)理(li)標(biao)(biao)(biao)志百(bai)強(qiang)縣(xian)。
面對不少企(qi)業(ye)(ye)(ye)(ye)仍面臨的(de)“資(zi)金(jin)(jin)(jin)短缺擴規模難(nan)(nan)、產(chan)(chan)(chan)(chan)品(pin)(pin)單(dan)一競爭力(li)(li)弱”難(nan)(nan)題，福(fu)建(jian)(jian)省(sheng)(sheng)市場監(jian)管(guan)局（知(zhi)識(shi)產(chan)(chan)(chan)(chan)權(quan)局）主動作(zuo)為、奮勇爭先：2023年，聯合省(sheng)(sheng)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)監(jian)管(guan)局印(yin)發(fa)《關(guan)于(yu)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)賦能(neng)(neng)地(di)(di)(di)理標(biao)(biao)(biao)志 助(zhu)力(li)(li)鄉村全(quan)面振興的(de)通知(zhi)》，積極引(yin)導銀(yin)行(xing)保(bao)險機(ji)構創新地(di)(di)(di)理標(biao)(biao)(biao)志專屬信貸產(chan)(chan)(chan)(chan)品(pin)(pin)、探索地(di)(di)(di)理標(biao)(biao)(biao)志保(bao)險產(chan)(chan)(chan)(chan)品(pin)(pin)、打造地(di)(di)(di)理標(biao)(biao)(biao)志金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)服(fu)(fu)務(wu)特色模式，推(tui)動金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)賦能(neng)(neng)地(di)(di)(di)理標(biao)(biao)(biao)志產(chan)(chan)(chan)(chan)業(ye)(ye)(ye)(ye)發(fa)展(zhan)；今年，又聯合省(sheng)(sheng)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)監(jian)管(guan)局在“金(jin)(jin)(jin)服(fu)(fu)云”平臺建(jian)(jian)設運行(xing)知(zhi)識(shi)產(chan)(chan)(chan)(chan)權(quan)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)專區，開設“三清單(dan)”（白名單(dan)企(qi)業(ye)(ye)(ye)(ye)、金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)產(chan)(chan)(chan)(chan)品(pin)(pin)、評估機(ji)構）與(yu)“一政(zheng)(zheng)策”（知(zhi)識(shi)產(chan)(chan)(chan)(chan)權(quan)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)政(zheng)(zheng)策），實現貸款(kuan)(kuan)產(chan)(chan)(chan)(chan)品(pin)(pin)“一觸(chu)即達”；同(tong)時，舉(ju)辦全(quan)省(sheng)(sheng)知(zhi)識(shi)產(chan)(chan)(chan)(chan)權(quan)評估和(he)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)服(fu)(fu)務(wu)培訓班，強化(hua)知(zhi)識(shi)產(chan)(chan)(chan)(chan)權(quan)評估及金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)服(fu)(fu)務(wu)專業(ye)(ye)(ye)(ye)能(neng)(neng)力(li)(li)；與(yu)中(zhong)國銀(yin)行(xing)福(fu)建(jian)(jian)分行(xing)聯合開展(zhan)知(zhi)識(shi)產(chan)(chan)(chan)(chan)權(quan)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)服(fu)(fu)務(wu)助(zhu)力(li)(li)民(min)營企(qi)業(ye)(ye)(ye)(ye)高(gao)質量發(fa)展(zhan)“知(zhi)惠行(xing)”專項活(huo)動，共同(tong)促(cu)進重點(dian)縣域產(chan)(chan)(chan)(chan)業(ye)(ye)(ye)(ye)民(min)營企(qi)業(ye)(ye)(ye)(ye)融(rong)(rong)(rong)(rong)(rong)資(zi)；聯合省(sheng)(sheng)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)監(jian)管(guan)局推(tui)廣金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)賦能(neng)(neng)地(di)(di)(di)理標(biao)(biao)(biao)志創新案例。目前(qian)，全(quan)省(sheng)(sheng)480個地(di)(di)(di)理標(biao)(biao)(biao)志相關(guan)產(chan)(chan)(chan)(chan)業(ye)(ye)(ye)(ye)獲得貸款(kuan)(kuan)余(yu)額(e)(e)651億元，商標(biao)(biao)(biao)質押貸款(kuan)(kuan)金(jin)(jin)(jin)額(e)(e)10.03億元，有效促(cu)進產(chan)(chan)(chan)(chan)業(ye)(ye)(ye)(ye)升級(ji)和(he)農民(min)增收，讓金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)活(huo)水精準滴灌地(di)(di)(di)標(biao)(biao)(biao)產(chan)(chan)(chan)(chan)業(ye)(ye)(ye)(ye)。
數字金融潤澤鄉村產業生態
數字化賦(fu)能不是“鴻篇巨制”，而是一(yi)線工(gong)作(zuo)的“針頭(tou)線腦”。
嵌入業務(wu)場景的數字金融更具意義。承辦(ban)單位(wei)奇富科(ke)技(ji)(ji)的技(ji)(ji)術(shu)為(wei)專項行動提供(gong)核心支撐(cheng)，其自主研(yan)發的“小(xiao)微企業信(xin)用識(shi)別智能(neng)體”技(ji)(ji)術(shu)，構建起覆蓋信(xin)息提取、畫像分析、風險決策的全流程科(ke)技(ji)(ji)信(xin)用引(yin)擎，打破傳(chuan)統(tong)金融服(fu)務(wu)的信(xin)息壁壘，實(shi)現數據智能(neng)化(hua)、風控可(ke)視化(hua)、生態協(xie)同化(hua)。
據奇富(fu)科(ke)技(ji)首席風險(xian)官鄭彥介紹，多模態(tai)感知智(zhi)能(neng)體(ti)(ti)突(tu)破純文本識別(bie)局(ju)限，通(tong)過圖(tu)像(xiang)、視頻分析精準(zhun)捕捉企(qi)(qi)業經營信息，識別(bie)效率與準(zhun)確率遠(yuan)超傳統技(ji)術；畫像(xiang)增強智(zhi)能(neng)體(ti)(ti)融合宏觀經濟、地區政策(ce)等社科(ke)類數據，構建“人企(qi)(qi)關系(xi)圖(tu)譜”，為(wei)企(qi)(qi)業勾勒(le)立體(ti)(ti)畫像(xiang)；風險(xian)決策(ce)智(zhi)能(neng)體(ti)(ti)整(zheng)合700余個模型、7000多個策(ce)略模塊，逐步實現風險(xian)決策(ce)智(zhi)能(neng)化。
依托這(zhe)一(yi)系列(lie)技術，奇富科技針對福建地理標(biao)志產業定制(zhi)金融方案，確(que)保資金“貸(dai)得(de)動(dong)、用得(de)好、還(huan)得(de)上”。
業(ye)界人士表(biao)示(shi)，專項行動(dong)不(bu)僅為福(fu)建地(di)理標志產品(pin)注(zhu)入金(jin)(jin)融活(huo)水，更樹立了金(jin)(jin)融賦能鄉村振興的新典范。隨著模式的成熟與推廣(guang)，必將帶(dai)動(dong)更多地(di)區(qu)特色產業(ye)發(fa)展。
下一步，福(fu)建省市場(chang)監管局(ju)（知識產(chan)權局(ju)）將以此(ci)次(ci)行(xing)動(dong)為契機，持續推進金(jin)融(rong)賦(fu)能地(di)(di)理標(biao)志(zhi)產(chan)品行(xing)動(dong)，通過(guo)深化協(xie)同聯動(dong)、驅(qu)動(dong)金(jin)融(rong)創新、夯實產(chan)業基(ji)礎，將金(jin)融(rong)“活(huo)水”精準、持續、安全地(di)(di)引入地(di)(di)理標(biao)志(zhi)產(chan)業鏈，有(you)效破解“融(rong)資難、融(rong)資貴”瓶頸，顯著(zhu)提升福(fu)建地(di)(di)理標(biao)志(zhi)產(chan)品的市場(chang)競爭力(li)、品牌影響力(li)和產(chan)業帶動(dong)力(li)，為鄉村振興和特色產(chan)業高(gao)質量(liang)發展(zhan)注入強勁動(dong)能。
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