The pledge financing of new plant variety right is a special content of intellectual property pledge financing. It can give full play to its exchange value and economic value. By expanding the financing channels of modern small and medium-sized enterprises, it is conducive to maximize the role of enterprise resources. However, the change process of the pledge is more complex. When the debt is due, the debtor is unable to repay the loan or the parties agree on the pledge right in advance, the exchange of the price change of the new plant variety right must be used to protect the interests of the creditor. The transfer of new plant variety right is affected by variety quality, production conditions, enterprise reputation and other factors. When the new plant variety right is pledged, it is difficult to deal with it, that is, when the pledge right is realized according to the agreement or legal provisions, the subject matter cannot be traded and difficult to realize due to various reasons, resulting in the failure to effectively realize the pledge right. The poor financing channels of new plant variety rights will reduce the number of transactions, affect the quality of transactions, and worsen bank credit.