武汉市东湖高新区科技型中小企业知识产权质押融资模式研究

发布时间：2018-03-13 09:42

本文选题：东湖高新区　切入点：科技型中小企业　出处：《武汉纺织大学》2014年硕士论文　论文类型：学位论文

【摘要】：在当今知识经济时代，随着科学技术的迅猛发展和全球经济的一体化进程的加快，，科技型中小企业成为国民经济的重要组成部分和技术创新主体。然而，科技型中小企业由于实物资产匮乏，传统的融资方式已经行不通，身处在这样的融资环境下，科技型中小企业不得不寄希望于知识产权融资。武汉市作为知识产权质押融资工作试点地区，近年来的知识产权事业取得了长足进步，其中科技型中小企业最为集中的东湖高新区更是成绩喜人；但由于知识产权的不稳定性与高风险性，使得知识产权质押贷款业务的发展受到了阻碍，难解科技型中小企业的资金之急。在上述背景下，本文首先在分析东湖高新区知识产权质押融资发展现状及融资环境的基础上找到其制约因素为：知识产权价值评估依据不足及评估行业发展缓慢，银行对风险的规避导致积极性不高，银行对质押贷款的高要求也大大提高了科技型中小企业的融资成本。追根溯源，制约知识产权质押融资发展的是知识产权价值评估不精确和风险难以控制这两大制约因素。然后，围绕两大制约因素展开研究：在价值评估的研究中，从实务中常用的收益法出发，结合知识产权产品的生命周期，将企业未来现金流量分四个阶段进行计量，使得评估结果更科学、更准确；在风险控制方面，将风险控制流程分成贷款前与贷款后，并提出相应的风险转移及风险分散措施。最后从政府、银行、中介和企业四个层面对东湖高新区科技型中小企业的知识产权质押融资的发展提出了对策和建议，对推动东湖高新区知识产权质押融资工作的推进具有一定的实际应用价值。
[Abstract]:In the era of knowledge economy, with the rapid development of science and technology and the acceleration of the integration process of the global economy, the small and medium-sized scientific and technological enterprises have become an important part of the national economy and the main body of technological innovation. Due to the lack of real assets, the traditional financing method is not feasible. In such a financing environment, technology-based SMEs have to rely on intellectual property financing. Wuhan, as a pilot area of intellectual property pledge financing, has made great progress in the field of intellectual property in recent years, among which the East Lake High-tech Zone, which is the most concentrated high-tech small and medium-sized enterprises, has achieved more gratifying results. However, because of the instability and high risk of intellectual property rights, the development of intellectual property mortgage loan business has been hindered, and it is difficult to solve the urgent problem of the capital of small and medium-sized technological enterprises. On the basis of analyzing the present situation and financing environment of intellectual property pledge financing in Donghu Hi-Tech Zone, this paper finds out the following restrictive factors: insufficient basis for evaluating intellectual property value and slow development of evaluation industry. Banks' enthusiasm for risk avoidance is low, and the banks' high requirements for pledged loans have greatly increased the financing costs of small and medium-sized technology-based enterprises. The development of intellectual property pledge financing is restricted by the imprecise valuation of intellectual property and the difficulty of controlling the risk. Starting from the income approach commonly used in practice and combining the life cycle of intellectual property products, the future cash flow of enterprises is measured in four stages, so that the evaluation results are more scientific and accurate; in the aspect of risk control, The risk control process is divided into pre-loan and post-loan, and corresponding risk transfer and risk dispersion measures are proposed. Finally, from the government, the bank, This paper puts forward some countermeasures and suggestions on the development of intellectual property rights pledge financing for small and medium-sized enterprises in Donghu High-tech Zone from four aspects of intermediary and enterprise. It has some practical application value to promote the development of intellectual property pledge financing in Donghu High-tech Zone.
【学位授予单位】：武汉纺织大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.44;F273.1;F275

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