Introducing the intellectual property pledge financing to the areas of finance and credit is important to improve the utilization of intellectual property rights, alleviates the financing difficulties of small and medium-sized enterprises, helps enterprises with technological innovation, and accelerates the implementation of innovation-driven development strategy. Chongqing has achieved initial results through a series of innovative policies and measures since the implementation of intellectual property pledge financing since 2008. However, in practice, it is still faced with the dilemma of low ability to create and use intellectual property rights of an enterprise, incomplete policy system, higher dependence on government, smaller market scale and imperfect market mechanism. Its perfecting path requires close integration of the needs of Chongqing industrial transformation and upgrading to impel the development process of intellectual property pledge financing from such aspects as strengthening R&D, improving policy support system, evaluation system and risk compensation system, perfecting intellectual property trading market and talent service.