科技型企业知识产权质押融资模式研究——以南昌市知识产权质押贷款试点为例

知识产权质押融资作为我国推动科技创新、破解科技型企业贷款难题的重要举措,得到了各地方政府的高度重视和科技型企业的积极响应。南昌市作为全国首批知识产权质押融资试点城市之一,于2009年便开展了此项工作,初步构建了知识产权质押融资贷款模式,一批拥有专利权或专科技术的企业也希望借此将无形资产盘活为有形资产。但是,近几年来,南昌市通过质押融资获得贷款的企业却是凤毛麟角,贷款总金额亦是杯水车薪,大量处于成长期的科技型企业仍处在艰难筹资的境地。本文从南昌市知识产权质押融资现状着手,对国内发达城市开展知识产权融资贷款工作的各类模式进行了比较,提出创新南昌市知识产权质押融资工作模式的思路,并就构建模式过程中的条件建设进行了探析。

As an important measure of promoting technological innovations and salving loan problems of technological enterprises, the intellectual property mortgage has received serious attention from local governments and positive responses from technological enterprises. As one of the first pilot cities implementing intellectual property pledge financing, Nanchang City has carried it out since 2009, and has initially established the mortgage lending mode of intellectual property pledge financing. And meanwhile, a group of enterprises with patents or technical skills expect to revitalize intangible assets to tangible assets. However, only a few enterprises in Nanchang have acquired loans from pledge financing, and the sum of their loans is in- adequate. Many developing technological enterprises are still in the plight of financing. Based on the current situation of Nanchang＇ s intellectual property mortgages, this paper compares different financing credit modes in domestic developed cities, proposes a new thought of innovating the mode of intellectual property mortgages in Nanchang, and analyses the con-struction of Conditions during the process of mode building.