知识产权质押贷款风险管理研究

发布时间：2018-06-08 14:47

本文选题：知识产权 + 质押贷款　；参考：《哈尔滨工程大学》2014年硕士论文

【摘要】：随着科学技术的迅猛发展和经济一体化进程的加快,创新型企业在国民经济发展中的重要性日益凸显。在激烈的市场竞争中,“融资”成为限制创新企业发展的最大难题。随着知识产权逐渐进入商业流通领域,知识产权的资本价值逐渐被认可,知识产权质押贷款融资方式成为创新企业融资的新渠道。由于知识产权的专有性、法定性、无形性、可复制性等特点,使知识产权较传统抵质押品具有更大的不确定性、更多的风险因素。因此,知识产权质押贷款与传统实物资产质押贷款相比,有其特殊的风险。我国知识产权质押贷款开展时间短、积累经验少,商业银行在实践中对其风险的识别、评估和控制存在较多问题,成为制约知识产权质押贷款顺利推广的主要因素。本文从宏观和微观两个方面分析识别了质押贷款过程中的风险因素,研究了基于模糊层次综合评价法的风险评估方法,并将该方法应用于某知识产权质押贷款案例,并重点分析了我国知识产权质押贷款风险管理在风险因素识别、风险水平评估以及风险控制策略与方法等方面存在的问题。在借鉴国外知识产权质押贷款风险管理实践经验的基础上,提出了完善我国知识产权质押贷款风险管理的建议措施,包括分层次、多角度全面风险识别,运用定性与定量相结合风险评估方法,选取专业权威的评估机构对风险进行评估;探索知识产权质押贷款新模式、规范贷款审批流程及审慎筛选贷款企业等风险的事前控制,以及跟踪贷款资金流向、引入专业的担保机制和保险制度等风险的事后控制措施,以降低风险事件的发生概率、防止风险损失的扩大。此外,本文认为还应积极发挥政府在搭建知识产权交易平台、开发知识产权担保保险机制、完善法律制度等方面的引导作用。
[Abstract]:With the rapid development of science and technology and the acceleration of economic integration, the importance of innovative enterprises in the development of national economy is becoming increasingly prominent. In the fierce market competition, "financing" has become the biggest problem restricting the development of innovative enterprises. With intellectual property gradually entering the field of commercial circulation, the capital value of intellectual property is gradually recognized, and the financing method of intellectual property pledge loan becomes a new channel for innovative enterprise financing. Because of the proprietary, legal, invisible and replicable characteristics of intellectual property rights, intellectual property rights have more uncertainty and more risk factors than traditional pledge goods. Therefore, the intellectual property mortgage loan has its special risk compared with the traditional real assets mortgage loan. There are many problems in the identification, evaluation and control of the risk of intellectual property mortgage loan in China, which are the main factors restricting the smooth promotion of intellectual property mortgage loan. This paper analyzes and identifies the risk factors in the process of pledge loan from macro and micro aspects, studies the risk assessment method based on fuzzy hierarchical comprehensive evaluation method, and applies this method to a case of intellectual property mortgage loan. The problems in risk factors identification, risk level assessment, risk control strategies and methods are also analyzed in China's intellectual property mortgage loan risk management. On the basis of drawing lessons from the practical experience of foreign intellectual property mortgage loan risk management, this paper puts forward some suggestions for perfecting the risk management of intellectual property mortgage loan in China, including the comprehensive risk identification from different levels and angles. Using qualitative and quantitative risk assessment methods, selecting professional and authoritative evaluation institutions to evaluate the risks, exploring a new model of intellectual property mortgage loans, standardizing the loan approval process and carefully screening loan enterprises, and so on. In order to reduce the probability of occurrence of risk events and prevent the expansion of risk loss, we should follow up the flow of loan funds, introduce professional guarantee mechanism and insurance system and other risk control measures. In addition, the paper holds that the government should play a leading role in setting up intellectual property trading platform, developing intellectual property guarantee insurance mechanism, perfecting legal system and so on.
【学位授予单位】：哈尔滨工程大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

【参考文献】