科技型中小企业知识产权质押贷款研究

发布时间：2018-02-25 03:14

本文关键词： 科技型中小企业知识产权质押贷款　出处：《华中科技大学》2014年硕士论文　论文类型：学位论文

【摘要】：当今世界，科技是提高一国综合国力和国际竞争力的关键，科技型中小企业就在国家的经济发展中显得尤为重要。科技型中小企业的高速发展需要得到金融的大力支持，但是我国对科技型中小企业的金融支持远远不够，不仅不足以促进其发展，甚至反而还阻碍了它的发展。科技型中小企业拥有的核心资产通常是技术、专利、著作权等一些知识产权无形资产，融资过程中由于缺乏可供抵押的实物资产而难以获得银行贷款，知识产权质押贷款则可以减少科技型中小企业在融资过程中受到的限制。本文采用理论分析法和案例分析法相结合的方法，研究科技型中小企业知识产权质押贷款。理论研究对科技型中小企业知识产权质押贷款的可行性和必要性进行了分析；对制约知识产权质押贷款业务开展的原因进行探讨，，结果表明根本原因是风险因素和由此带来的交易成本过高，为此，找到几种分散风险的机制。分析总结国内外已经开展的知识产权质押贷款实践，发现政府在知识产权质押贷款活动中发挥着重要的作用，但市场化的模式才是可持续的模式和最终的发展趋势。本文的案例分析选取了知识产权质押贷款未能如期收回贷款的失败案例和L资产评估公司的成功模式，分析发现成功和失败最根本的原因在于风险控制，因此，提出建议，参与知识产权质押贷款的各主体需要从多方面着手来降低风险，规范知识产权质押贷款业务，逐步推动其向市场化方向发展。
[Abstract]:In today's world, science and technology is the key to improving a country's comprehensive national strength and international competitiveness, and science and technology SMEs are particularly important in the country's economic development. However, China's financial support for technology-based SMEs is far from enough, not only not enough to promote its development, but also to hinder its development. The core assets owned by technology-based SMEs are usually technology, patents, etc. Some intangible assets of intellectual property, such as copyright, are difficult to obtain bank loans due to the lack of real assets that can be mortgaged in the process of financing, while intellectual property mortgage loans can reduce the restrictions on the financing process of small and medium-sized technological enterprises. This paper uses the method of theoretical analysis and case analysis to study the intellectual property mortgage loan of small and medium-sized technological enterprises. The feasibility and necessity of intellectual property pledge loan of science and technology small and medium-sized enterprises are analyzed in theory. This paper discusses the reasons that restrict the development of intellectual property mortgage loan business. The result shows that the fundamental reason is the risk factor and the transaction cost is too high. Find out several mechanisms to spread risk, analyze and sum up the practice of intellectual property mortgage loan that has been carried out at home and abroad, and find that the government plays an important role in intellectual property mortgage loan activity. However, the market-oriented model is the sustainable model and the final development trend. The case study of this paper selects the failure case of the intellectual property mortgage loan failing to recover the loan on time and the successful model of L Asset Appraisal Company. It is found that the most fundamental reason for success and failure lies in risk control. Therefore, it is suggested that the parties involved in intellectual property mortgage loan should reduce risk from many aspects and standardize the business of intellectual property mortgage loan. Gradually promote its market-oriented development.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.44;F832.4

【相似文献】