The US has a long tradition of intangible asset insurance, so filmmakers can use the business plans of as yet unmade motion pictures as loan collateral. In the event that the movie cannot be finished on time, an insurance company, a third-party responsible for overseeing the completion of the work, finds a new production team and financial backers to finish it, thereby reducing the bank's risk.
美國很早就有為無形資產投保的保險公司，因此片商可以用還未拍攝的電影企劃案申請貸款，萬一電影無法在預定時間內拍完，負責監督完工的第三方保險公司就會負責為這個半成品找到新的製作團隊與出資者，以降低銀行風險。