融资困境、知识产权质押贷款与中小企业可持续发展——来自中国的经验

发布时间：2018-12-31 12:01

【摘要】：轻资产、抵押物缺乏是中小企业特别是科技型中小企业的显著特点,传统银行信贷难以为其提供充分的融资服务,中小企业融资困境普遍而持续的存在。如何利用中小企业商标权、专利权等无形资产禀赋开发知识产权质押贷款,已成为各地积极探索的创新性融资模式。知识产权质押贷款先行地区如北京、湖南和四川等地的运作经验表明,我国知识产权质押贷款存在两种主要模式——政府推动型和市场驱动型,这两种模式都有一定的缺陷:政府推动型模式可持续性较低,而市场驱动型模式融资规模受到限制。有鉴于此,应该从提高知识产权质押评估水平、加强政策性扶持、构建知识产权交易平台等方面入手,进一步在我国开展知识产权质押贷款工作,尽快缓解中小企业融资困境,促进中小企业可持续发展。
[Abstract]:The lack of light assets and collateral is a remarkable characteristic of small and medium-sized enterprises, especially the small and medium-sized technological enterprises, the traditional bank credit is difficult to provide them with adequate financing services, and the financing difficulties of small and medium-sized enterprises are widespread and persistent. How to make use of intangible asset endowment such as trademark right, patent right and so on to develop intellectual property pledge loan has become an innovative financing mode. The operation experience in the preemptive areas such as Beijing, Hunan and Sichuan shows that there are two main modes of intellectual property mortgage loans in China, namely, government-driven and market-driven. Both models have some drawbacks: the government-driven model is less sustainable, while the market-driven model is limited in the size of financing. In view of this, we should improve the evaluation level of intellectual property pledge, strengthen policy support, construct intellectual property trading platform, and further carry out intellectual property mortgage loan work in our country, so as to alleviate the financing dilemma of small and medium-sized enterprises as soon as possible. Promoting the sustainable development of small and medium-sized enterprises.
【作者单位】：四川大学工商管理学院;
【分类号】：F832.4;F276.3;F204

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