基于修正的BS模型知识产权质押贷款的定价研究

发布时间：2018-02-02 08:25

本文关键词： 科技型中小企业知识产权质押贷款知识产权定价方法 Black-Scholes模型　出处：《河北工程大学》2014年硕士论文　论文类型：学位论文

【摘要】：科技型中小企业作为典型的知识产权型企业，其生存与发展不仅关系到自身的命运，而且还关系到国家和区域创新能力以及核心竞争能力的高低。科技型中小企业在发展过程中常面临着资金不足、融资困难等问题，影响着其发展。而国务院发布的《国家中长期科学和技术发展规划纲要（2006-2020年）》中第八项提到，高新科技型企业、科技型中小企业开展贷款业务及知识产权质押贷款业务应得到国家政策性银行、商业银行、担保公司等金融机构的大力支持和鼓励。知识产权质押贷款将成为破解科技型中小企业融资难的一个突破口。近年来，知识产权质押贷款作为一种新的模式逐渐步入融资领域，其价值也逐渐被人们所认知。但是知识产权质押贷款在我国商业银行实施过程中并不理想，其主要原因是知识产权评估方法存在很多不足，其价值难以准确评估定价。因此，，知识产权评估定价方法的选择和运用是评估结果的主要影响因素，也是知识产权质押价值评估实务中迫切需要解决的问题。本文给出修正的BS模型对知识产权质押贷款进行定价，实证研究质押率达50%，比实际20%-30%高出一倍，有效地提高质押率，从而缓解了科技型中小企业融资难问题。本文内容大纲如下：首先，通过参阅大量国内外文献著作，对选题背景及研究意义进行说明，并对其进行综述，指出目前已研究结果的缺陷，并对本文的研究方法及内容框架进行概括性阐述。第二，阐述本文研究所运用到的基础理论，包括知识产权的概念及特点、知识产权质押的含义及构成要素、知识产权质押的流程及其制约因素。第三，分析知识产权的特殊性，并阐述知识产权质押贷款流程中的评估定价方法。第四，以实用新型专利质押贷款为例，运用不同的定价方法评估其价值并进行对比分析。第五，对知识产权质押贷款的定价方法进行总结，并对知识产权质押的发展前景进行分析。
[Abstract]:As a typical intellectual property enterprise, the survival and development of science and technology SMEs are not only related to their own destiny. And it is also related to the national and regional innovation ability and the level of core competitiveness. Science and technology small and medium-sized enterprises in the process of development are often faced with the lack of funds, financing difficulties and other problems. Affect its development. And the State Council issued the "National medium and long term Science and Technology Development Program (2006-2020)" in the 8th items mentioned, high-tech enterprises. The state policy banks and commercial banks shall be granted to the small and medium-sized scientific and technological enterprises to carry out loan business and intellectual property mortgage loan business. Guarantee companies and other financial institutions to support and encourage. Intellectual property rights pledge loans will become a breakthrough to solve the financing difficulties of technology-based SMEs in recent years. As a new mode, intellectual property mortgage loan has gradually entered the field of financing, and its value has been gradually recognized by people. However, intellectual property mortgage loan is not ideal in the process of implementation of commercial banks in China. The main reason is that there are many shortcomings in the evaluation methods of intellectual property rights, and its value is difficult to accurately evaluate pricing. Therefore, the choice and application of pricing methods of intellectual property evaluation are the main factors that affect the evaluation results. It is also an urgent problem to be solved in the practice of intellectual property pledge valuation. This paper gives a modified BS model to price intellectual property mortgage loan, and the pledge rate of empirical research reaches 50%. It is twice as high as the actual 20-30%, which effectively improves the pledge rate, thus easing the financing difficulties of small and medium-sized technological enterprises. The main contents of this paper are as follows: first of all, by referring to a large number of domestic and foreign literature, the background and significance of the research are explained, and summarized, pointing out the shortcomings of the current research results. And the research methods and content framework of this paper are summarized. Second, the basic theory used in this study, including the concept and characteristics of intellectual property rights, the meaning and elements of intellectual property pledge. Third, analyze the particularity of intellectual property, and expound the evaluation and pricing method in the process of intellectual property mortgage loan. 4th, take utility model patent pledge loan as an example. This paper uses different pricing methods to evaluate its value and carries on the contrast analysis. 5th, carries on the summary to the intellectual property right pledge loan pricing method, and carries on the analysis to the intellectual property right pledge development prospect.
【学位授予单位】：河北工程大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.44;F832.4

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