科技型中小企业的知识产权质押贷款问题研究

A Study on the Intellectual Property Pledged Loan of Technological Medium and Small Enterprises

长期以来,融资难成为了制约科技型中小企业发展的主要瓶颈,知识产权质押贷款无疑给科技型中小企业提供了一条重要的融资通道。然而作为一种创新的质押贷款形式,在实际运作过程中还存在着一些难题,这些问题如果得不到解决,将严重影响到知识产权质押贷款工作的良性开展,因此,有必要对知识产权质押贷款进行广泛深入的研究。在客观分析当前推行知识产权质押贷款的现实条件与存在的困难后,试图探索出进一步推进知识产权质押贷款工作的有效途径。

The difficulty of financing has become a major problem for the development of technological medium and small enterprises for quite a long time, therefore the intellectual property pledged loan can be another important financing channel for these enterprises. However, as a brand-new form of pledged loan, there still exist some problems during the actual working process, which would seriously affect the successful conduct of intellectual property pledged loan. So it is pretty necessary to have a profound and deep study for this form of pledged loan. This article will have an objective analysis on the actual conditions and difficulties of how to promote the intellectual property pledged loan currently, and finally give a great impetus to this form of loan.