科技型中小企业知识产权质押融资风险分担机制研究

发布时间：2018-04-09 20:54

本文选题：科技型中小企业　切入点：知识产权　出处：《重庆理工大学》2017年硕士论文

【摘要】：知识产权质押融资可以帮助科技型中小企业解决资金困难的问题,科技型中小企业将其知识产权作为质押物向银行贷款,完成企业科技创新、产业发展等目标。科技型中小企业知识产权质押融资业务自从2009年开展试点工作以来,在业务开展规模、贷款资金量及融资模式的拓展等方面都取得了一定的成绩。然而,科技型中小企业知识产权质押融资业务在实际开展时,会面临各种风险问题。如何有效分担风险,对于科技型中小企业知识产权质押融资业务的良性开展具有积极意义。本文旨在研究科技型中小企业知识产权质押融资风险分担机制问题,通过研究国内典型知识产权质押融资模式,揭示出阻碍科技型中小企业知识产权质押融资发展的瓶颈是风险问题,对这些风险进行分析和识别,建立基于博弈论的风险分担模型,构建科技型中小企业知识产权质押融资风险分担机制。本文将从以下几个方面开展研究:(1)综述科技型中小企业知识产权质押融资国内外研究现状。通过文献研究掌握该领域的研究动态和前沿,总结发达国家的先进经验。(2)科技型中小企业知识产权质押融资现状研究。通过分析国内现行的科技型中小企业知识产权质押融资模式,对具有代表性的北京、上海、湖北及江苏等几种模式进行研究,探索现有模式存在的问题,发现阻碍科技型中小企业知识产权质押融资发展的关键问题是风险问题。(3)对科技型中小企业知识产权质押融资风险进行分析和识别。首先,对风险形成机理进行分析,总结出政策、法律、经济、企业、技术及评估等6个一级风险,并将其细化为20个二级风险,对20个二级风险进行识别,以便将它们科学性的分解到科技型中小企业知识产权质押融资业务的各实施流程阶段中。(4)建立科技型中小企业知识产权质押融资风险分担模型。对各风险分担主体进行分析,研究科技型中小企业与其他参与主体之间的互动关系,在此基础上采用博弈分析法建立科技型中小企业知识产权质押融资风险分担模型,从收益角度将风险分担给各个风险分担主体。(5)科技型中小企业知识产权质押融资风险分担机制构建及实施路径。从风险分担主体及客体、风险分担决策动因、行为导向制度、行为归化制度4个要素设计风险分担机制,并从政府、科技型中小企业、银行、评估机构、担保机构层面提出具体的实施路径。本文通过对科技型中小企业知识产权质押融资风险分担机制的系统研究,得出了以下两点结论:第一,我国应形成市场化运作为主导、政府政策为引导、资产评估机构、担保机构、商业银行等合作支持的局面。通过多方主体的共同参与,形成科技型中小企业知识产权质押融资风险分担、利益共享的良好格局;第二,构建科技型中小企业知识产权质押融资风险分担机制必须坚持风险分担原则,即风险与防控程度相对称原则、风险分担各方参与程度相协调等原则。
[Abstract]:Can help SMEs to solve the financial difficulties of the problem of science and technology of intellectual property mortgage financing, small and medium-sized enterprises will their intellectual property as collateral to bank loans, to complete the enterprise technological innovation and industrial development. The target of intellectual property in small and medium sized enterprises financing since 2009 to carry out pilot work in business scale, loan funds the amount and financing mode of development has made some achievements. However, the intellectual property rights in small and medium sized enterprises financing in actual development, will face various risks. How to effectively share the risk, it is of positive significance for the benign development of intellectual property rights in small and medium sized enterprises financing. The purpose of this paper is to research on intellectual property problem of SME financing risk sharing mechanism, through the study of typical domestic intellectual property pledge financing mode Type, reveals the bottleneck of science and technology of intellectual property pledge financing of SMEs development is the risk of problems, analysis and recognition of these risks, establish risk sharing model based on game theory, construction of intellectual property rights in small and medium sized enterprises financing risk sharing mechanism. This paper will carry out research from the following aspects: (1) research status review of intellectual property pledge financing in small and medium sized enterprises at home and abroad. Through literature research and cutting-edge research on dynamic grasp of the field, summarizes the advanced experience of the developed countries. (2) the financing status of intellectual property in small and medium sized enterprises through the analysis of intellectual property pledge. The current domestic small and medium sized enterprises financing mode of representative Beijing, Shanghai, Hubei and Jiangsu on several models, explore the existing problem, hindering SME knowledge discovery The key problem is the development of property rights pledge financing risk. (3) of intellectual property rights in small and medium sized enterprises financing risk analysis and recognition. First of all, the risk formation mechanism analysis, summed up the policy, legal, economic, business, technology and evaluation of 6 level of risk, and divide it into 20 two level of risk, the identification of 20 two level of risk, so that the implementation process of their stage scientific decomposition to the intellectual property rights of SME financing operation. (4) the establishment of intellectual property rights in small and medium sized enterprises pledge financing risk sharing model. The risk sharing subject analysis, interaction the study of the relationship between SME and other participants, on the basis of the game analysis of intellectual property law establishment of SME financing risk sharing model, from the angle of risk sharing will return For each risk sharing subject. (5) intellectual property rights in small and medium sized enterprises financing risk sharing mechanism construction and implementation path. From the subject and object of risk sharing, risk sharing decision motivation, behavior oriented system, the behavior of the naturalization system 4 factors design risk sharing mechanism, and from the government, SMEs, banks, evaluation mechanism, put forward specific implementation path guarantee level. This system through the technology of intellectual property right pledge financing of SMEs risk sharing mechanism, draw the following two conclusions: first, China should form the market as the leading, government policy guidance, asset evaluation agencies, security agencies, cooperative commercial bank support the situation. Through participation of multi subject, the formation of share pledge financing of intellectual property risk in small and medium sized enterprises, benefit sharing pattern is good; second, Gou Jianke Technological SMEs' intellectual property pledge financing risk sharing mechanism must adhere to the principle of risk sharing, that is, the principle of relative risk and prevention and control, and the coordination of risk sharing parties.

【学位授予单位】：重庆理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F276.44;F275

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