中国科技型小微企业知识产权质押融资探析

Analysis on Intellectual Property Pledge Financing of Small and Micro Science and Technology Companies

在我国经济转型发展中,知识产权质押融资这种新型的融资方式为解决科技型小微企业融资难发挥了积极的作用。科技型小微企业知识产权质押融资在实行中遇到了不少的屏障和障碍,暴露出由于相关政策不健全、知识产权交易平台不完善等问题,银行对此融资的门槛要求高、费用高。科技型小微企业本身信息不透明、信用评级低,相关参与中介机构资金小、补偿少、期限短,造成其在全国范围融资效果不显著。为了大力发展科技型小微企业知识产权质押融资,论文针对政府、企业自身、银行以及中介机构四个主体提出相应的完善对策建议,以满足科技型小微企业的融资需求。

In the course of economic transition development, intellectual property pledge financing of this new type has played a positive role in order to solve the problems of small and micro science and technology companies. In the implementation of intellectual property pledge financing of small and micro science and technology companies, our country encountered many barriers and obstacles,exposed due to the related policy is not perfect, intellectual property rights trading platform is not perfect, so that the bank financing has high threshold and high cost. It is no significant effect to because of small and micro science and technology companies be provided with opaque information and low credit ratings and the relevant intermediary institutions of small compensation funds and short duration. This paper propose corresponding countermeasures and suggestions to meet financing requirements of small and micro science and technology companies according to the four main government, enterprises, banks and intermediary institutions.