我国商业银行专利权质押贷款风险识别与控制研究

发布时间：2018-01-07 21:01

本文关键词：我国商业银行专利权质押贷款风险识别与控制研究　出处：《浙江理工大学》2017年硕士论文　论文类型：学位论文

【摘要】：专利权质押贷款是金融衍生产品的创新,为银行等金融机构拓展了一条新的资产配置业务,同时也拓宽了科技型中小企业的融资渠道。但是调研显示,商业银行开展专利权质押贷款业务的积极性并不高,之所以会出现这样的现象,是因为该项贷款业务的风险较高且难以量化。为提高商业银行专利权质押贷款意愿,推进该业务又好又快发展,本文构建了科学有效的风险评估模型,对专利权质押贷款业务的风险等级进行了有效的评定,并进一步提出了有针对性的风险防控措施。本文站在商业银行的角度,结合我国专利权质押贷款业务的发展现状,初步确立了专利权质押贷款业务风险三个一级指标:宏观因素、专利权因素及出质企业因素,并将各一级指标展开,建立了商业银行专利权质押贷款风险评价指标体系。运用“3δ”法、BP神经网络法以及基于熵权的模糊综合评价法对专利权质押贷款项目的风险状况进行了评估。文中选择了比较典型的企业作为评估样本,结合专利权质押贷款特点及该业务目前的发展现状,展开了样本企业专利权质押贷款风险评估的实证分析,三种方法得到的评估结果基本一致,且与实际情形一致,说明本文的研究方法不失为对不确定性较高的专利权质押贷款风险评估的一种有效探索,能够为商业银行贷款项目决策提供参考。从我国专利权质押贷款实践来看,还存在着覆盖面不够广、区域发展不平衡、金融机构贷款意愿较低等方面的问题,为推进我国专利权质押贷款业务的发展,解决上述制约因素,本文认为商业银行、出质企业、政府机构以及中介机构应加强沟通和协调,提高信息共享水平,以便商业银行能将风险控制在极小的情况下,积极地为科技型中小企业提供资金支持。
[Abstract]:The patent pledge loan is the innovation of financial products, develop a new business asset allocation for the banks and other financial institutions, but also to broaden the financing channels of innovative SMEs. But the research shows that the enthusiasm of the commercial banks to carry out the patent pledge loan business is not high, the reason why there is such a phenomenon, is because of the high risk of the loan business and it is difficult to quantify. In order to improve the commercial bank patent right pledge loans will promote the rapid and sound development of the business, this paper constructs a scientific and effective risk assessment model of patent pledge loan business risk level for the effective evaluation, and further puts forward the targeted risk control measures. This paper from the perspective of commercial banks, combined with the development status of China's patent pledge loan business, initially established the patent pledge loan business risk three The first index: macro factors, patent factors and quality factors of the enterprise, and will expand the level indicators, established the patent right pledge loans of commercial banks risk evaluation index system. The use of "3 Sigma" method, BP neural network method and fuzzy comprehensive evaluation based on entropy weight method of the patent pledge loan project the risk to assess the situation. This paper chose the typical enterprise as assessment samples, combined with the current development situation of the patent pledge loan business characteristics and the empirical analysis, carried out the sample enterprise patent pledge loan risk assessment, evaluation of the three methods are consistent, and consistent with the actual situation, a to explore the effective loan risk evaluation method in this paper is the pledge of patent right of high uncertainty, it can provide the reference for the decision making of commercial bank loan project. From China's patent quality The mortgage practice, there is not wide enough, unbalanced regional development, financial institutions are willing to lend to the problem of the low, in order to promote the development of China's patent pledge loan business, to solve the above constraints, this paper argues that the quality of commercial banks, enterprises, government agencies and intermediary institutions should strengthen communication and coordination to improve the level of information sharing, so that commercial banks can control risk in minimal, actively for SME to provide financial support.

【学位授予单位】：浙江理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

【参考文献】