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Using a case study approach, it analyses how these tools operate, where they create opportunities, and what challenges can limit uptake. It also identifies the policy role that can strengthen secured lending frameworks, including for evolving commercial practices and digital registry implementation.",{"@graph":69,"@context":122},[70,84,105],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":40,"@type":76,"position":81},"https://docshare.wps.com/document/research-report/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/secured-lending-for-smes-making-effective-use-of-registries-and-intangibles-a-case-study-approach/500805/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/secured-lending-for-smes-making-effective-use-of-registries-and-intangibles-a-case-study-approach/500805.png","ImageObject",300,407,{"name":92,"@type":93},"RuangKosong","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-10-17","2026-10-03",true,{"@type":102,"interactionType":103,"userInteractionCount":39},"InteractionCounter",{"@type":104},"ViewAction",{"@type":106,"mainEntity":107},"FAQPage",[108,114,118],{"name":109,"@type":110,"acceptedAnswer":111},"How do collateral registries help SMEs access finance using movable assets?","Question",{"text":112,"@type":113},"The report examines how collateral registries operate to support secured lending with movable assets, highlighting opportunities and key challenges across legal and institutional settings.","Answer",{"name":115,"@type":110,"acceptedAnswer":116},"Why is collateralisation of intangible movable assets difficult to implement regularly?",{"text":117,"@type":113},"It outlines issues that impede more frequent use of IP and intangibles as collateral, including practical and policy constraints that affect performance and redeployment.",{"name":119,"@type":110,"acceptedAnswer":120},"What policy actions are recommended to strengthen secured lending for SMEs?",{"text":121,"@type":113},"The paper describes the policy dimension, including how registries and legal frameworks can be improved and how new digital technologies can be applied to enable more effective collateralised lending.","https://schema.org",{"og:url":83,"og:type":124,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":126,"canonical":83},"index,follow",{"doc_id":128,"site_id":62},500805,1791293710,{"code":4,"msg":5,"data":131},{"doc_id":128,"user_id":132,"nickname":92,"user_avatar":133,"doc_module":4,"category_id":39,"category_name":40,"doc_title":65,"doc_description":67,"doc_content":134,"file_id":135,"file_url":136,"file_type":137,"file_size":138,"view_count":39,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":139,"language":140,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":141,"faqs":142,"seo_title":143,"seo_description":67,"update_tm":144,"read_time":145},962090883219,"https://ap-avatar.wpscdn.com/davatar_276721f389ce27ea32af1340a28f341c","OECD SME and Entrepreneurship Papers No. 33  \nSecured lending for SMEs: Making effective use of registries and intangibles-A case study approach  \nMartin Brassell, Kris Boschmans  \n[https://dx.doi.org/10.1787/cf451ee7-en](https://dx.doi.org/10.1787/cf451ee7-en)  \nOECD SME and Entrepreneurship Papers  \nSecured lending for SMEs: Making effective use of registries and intangibles – a case  \nstudy approach  \nThis document explores two interrelated aspects of leveraging movable assets to facilitate access to finance: first, the implementation of collateral registries for movable assets, and second, the collateralisation of intangible movable assets. Both dimensions benefit from a case study approach. The report examines how these different instruments function and highlights the opportunities and challenges for making better use of them. It also outlines the role that policies can play in this regard.  \nJEL codes: G32, L26  \nKeywords: SME finance, Secured lending, Intangible assets, Collateral registries  \nABOUT THE OECD  \nThe OECD is a multi-disciplinary inter-governmental organisation of 38 member countries which engagesin its work an increasing number of non-members from all regions of the world. The Organisation’s core mission today is to help governments work together towards a stronger, cleaner, fairer global economy. Through its network of 250 specialised committees and working groups, the OECD provides a setting where governments compare policy experiences, seek answers to common problems, identify good practice, and co-ordinate domestic and international policies. More information [available:](available: www.oecd.org)[ ](available: www.oecd.org)[www.oecd.org](available: www.oecd.org).  \nABOUT THE SMEs AND ENTREPRENEURSHIP PAPERS  \nThe series provides comparative evidence and analysis on SME and entrepreneurship performance and trends and on a broad range of policy areas, including SME financing, innovation, productivity, skills, internationalisation, and others.  \nThis paper was authorised for publication by Lamia Kamal-Chaoui, Director, Centre for Entrepreneurship, SMEs, Regions and Cities, OECD.  \nThis document, as well as any statistical data and map included herein, are without prejudice to the status of or sovereignty over any territory, to the delimitation of international frontiers and boundaries and to the name of any territory, city or area.  \n© OECD 2022  \nYou can copy, download or print OECD content for your own use, and you can include excerpts from OECD publications, databases and multimedia products in your own documents, presentations, blogs, websites and teaching materials, provided that suitable acknowledgement of OECD as source and copyright owner is given. All requests for public or commercial use and translation rights should be submitted [to](to rights@oecd.org)[ ](to rights@oecd.org)[rights@oecd.org](to rights@oecd.org).  \nTable of contents  \nExecutive summary 5  \nAcknowledgements 7  \nIntroduction 8  \n1. An introduction to secured lending 10  \nSecured vs. unsecured lending 10  \nThe role played by collateral in SME credit 11  \nImmovable vs. movable assets 12  \nFinancial instruments associated with different types of collateral 13  \nMovable assets are hard to collateralise 15  \nThe policy dimension to stimulating secured and collateralised lending 16  \n2. Collateral registries and legal frameworks for movable collateral 18  \nThere are pronounced cross-country differences in terms of collateral registries and legal frameworks 18  \nCollateral registries: key challenges 19  \nChallenge (1): the role of the underlying national legal framework 25  \nChallenge (2): enforcement of security interests 27  \nChallenge (3): accommodating existing commercial practices 28  \nChallenge (4): the role and status of specialist registries 30  \nChallenge (5): accommodating evolving commercial practice 32  \nChallenge (6): harnessing alternative assets such as intangibles as security 34  \nOpportunities to apply new digital tech","cbCaicZNg2FpVa8h","https://ap.wps.com/l/cbCaicZNg2FpVa8h","pdf",2010220,75,"English","# Executive summary\n# Acknowledgements\n# Introduction\n# 1. An introduction to secured lending\n## Secured vs. unsecured lending\n## The role played by collateral in SME credit\n## Immovable vs. movable assets\n## Financial instruments associated with different types of collateral\n## Movable assets are hard to collateralise\n## The policy dimension to stimulating secured and collateralised lending\n# 2. Collateral registries and legal frameworks for movable collateral\n## There are pronounced cross-country differences in terms of collateral registries and legal frameworks\n## Collateral registries: key challenges\n## Challenge (1): the role of the underlying national legal framework\n## Challenge (2): enforcement of security interests\n## Challenge (3): accommodating existing commercial practices\n## Challenge (4): the role and status of specialist registries\n## Challenge (5): accommodating evolving commercial practice\n## Challenge (6): harnessing alternative assets such as intangibles as security\n## Opportunities to apply new digital technologies to collateral registries\n# 3. Collateralisation of intangible assets: A potential policy focus\n## The collateralisation approaches applicable to intangible assets\n## Intangible assets and loan performance, loss rates and recoveries\n## Intangible assets and redeployment\n## Issues impeding more regular use of IP and intangibles as collateral\n# 4. Selected intangibles financing case studies\n## Support for firms lacking tangible asset collateral via general credit guarantees\n## State-backed intangibles financing schemes: China’s policy approach\n## State-backed intangibles financing schemes: Korea’s approach\n## State-backed intangibles financing schemes: Singapore’s approach\n## State-backed intangibles financing schemes: Canada’s approach\n## Market-led approaches emerging in the United States\n## Summary of lessons learned\n# 5. Conclusions and policy implications\n## Conclusions on collateral registries\n## Conclusions on intangibles financing\n# References","[{\"question\":\"How do collateral registries help SMEs access finance using movable assets?\",\"answer\":\"The report examines how collateral registries operate to support secured lending with movable assets, highlighting opportunities and key challenges across legal and institutional settings.\"},{\"question\":\"Why is collateralisation of intangible movable assets difficult to implement regularly?\",\"answer\":\"It outlines issues that impede more frequent use of IP and intangibles as collateral, including practical and policy constraints that affect performance and redeployment.\"},{\"question\":\"What policy actions are recommended to strengthen secured lending for SMEs?\",\"answer\":\"The paper describes the policy dimension, including how registries and legal frameworks can be improved and how new digital technologies can be applied to enable more effective collateralised lending.\"}]","Secured lending for SMEs: Making effective use of registries and intangibles - a case study approach | PDF",1791015278,189]