知识产权质押融资的研究现状及发展趋势

The Research Status and Development Trend of Intellectual Property Pledge Financing

从知识产权质押融资的机理和风险因素、发展模式、银行对于质押融资的信贷配给以及知识产权价值分析等四方面梳理了国内外相关领域的研究历程,发现对于知识产权质押融资的内在机理研究还停留在定性层面,银行对于知识产权质押融资的合约设计还停留在经验分析阶段,对知识产权价值分析还主要集中于静态模型构建等问题。基于此,文章探讨了未来的研究趋势并给出了相应的研究方案。

This paper summarized a lot of literatures at home and abroad on four parts including the mechanism, risk factors, de- velopment model study of IPR-hacked finance, the Credit risky Decision Mechanism study for banks and the IPR asset valuation study. this paper found firstly that only qualitative research level in domestic research about internal mechanism of IPR-hacked loans ; Second- ly, almost all the banks carrying this tasks still stuck in empirical analysis on the loan interest rate, the credit rationing in the IPR- backed loans contract ; Thirdly, the assessment method still focus on the static value of IPR assets. Based on those problems in the aca- demic research, this paper pointed out the future direction of research and also gave corresponding research programs.