论商业银行知识产权质押贷款

发布时间：2018-05-07 00:01

本文选题：知识产权 + 质押贷款　；参考：《西安工程大学》2013年硕士论文

【摘要】：随着我们对于知识产权认识的不断深入,对于知识产权资源有效的利用，已经是一个越来越重要的问题，目前知识产权质押贷款是可以利用知识产权的资源性的一个新型渠道。知识产权质押贷款是指知识产权权利人通过将其所拥有的知识产权出质，以作为其本人或者其他人的借款担保，进而从贷款人处获取贷款的融资行为。从发展现状来看，我国的知识产权质押贷款的主要需求对象是国内的固定资产少，，信用低，自有资金薄弱的中小型高科技企业。目前，我国知识产权质押贷款看似蓬勃发展，但是其实其中的风险还是不少的，包括法律风险、经济风险、变现风险、交易风险、政府参与度过高导致的风险。为了让知识产权质押贷款的发展稳定繁荣，我们探究了它的风险产生的根本原因，包括知识产权质押立法体系不完善，登记制度不完善，评估交易制度不完善，知识产权不易控制的问题。针对这些问题，我们提出了相应的完善办法。希望可以通过这些解决办法，我们可以解除商业银行对于知识产权质押贷款的忧虑和谨慎，积极的参与到这些贷款活动中。这样不但支持了科技型中小企业的发展，帮助他们解决发展的资金来源。而且对于商业银行来说，提升了商业银行的业务能力，拓展了商业银行的业务范围，降低银行业贷款同质化的风险。从整体上来说也提升我国的综合国力。也为我国的发展做了贡献。
[Abstract]:With the deepening of our knowledge of intellectual property, the effective use of intellectual property resources has become an increasingly important issue. At present, intellectual property mortgage loan is a new way to utilize intellectual property resources. Intellectual property mortgage loan refers to the financing behavior that the intellectual property right holder obtains the loan from the lender by pledge the intellectual property right in order to guarantee the loan for himself or others. From the current situation of development, the main demand for intellectual property mortgage loans in China is small and medium-sized high-tech enterprises with small fixed assets, low credit and weak own funds. At present, China's intellectual property mortgage loan seems to be booming, but in fact, there are still many risks, including legal risk, economic risk, liquidity risk, transaction risk, the risk caused by excessive government participation. In order to make the development of intellectual property mortgage loan stable and prosperous, we have explored the root causes of its risk, including imperfect legislation system of intellectual property pledge, imperfect registration system, imperfect evaluation and transaction system. Intellectual property rights are difficult to control. In view of these problems, we put forward the corresponding consummation method. We hope that through these solutions, we can relieve the commercial banks of the intellectual property mortgage loan worries and caution, actively participate in these lending activities. This not only supports the development of technology-based small-and-medium-sized enterprises, to help them solve the source of development funds. And for commercial banks, it improves the business ability of commercial banks, expands the business scope of commercial banks, and reduces the risk of homogenization of bank loans. On the whole, it also promotes the overall national strength of our country. It has also contributed to the development of our country.
【学位授予单位】：西安工程大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F204;F832.4

【参考文献】