创新型企业知识产权质押贷款风险评估

Innovative enterprises intellectual property pledge loan risk assessment

创新型企业知识产权质押贷款对创新型企业发展和金融产品创新具有重要的促进作用。创新型企业知识产权质押贷款在实务中发展缓慢的重要原因是商业银行面临巨大风险,却缺乏对其风险的客观评估。本文基于商业银行视角,依据"双构面"有限理性理论,通过市场调查方法,构建了创新型企业知识产权质押贷款风险影响因素的结构框架,并通过因子分析法设计了商业银行打分表,确定了创新型企业知识产权质押贷款风险评估指标体系及其权重,以期提高商业银行对创新型企业知识产权质押贷款风险评估的客观性和科学性,加强其对贷款风险的控制,推动创新型企业知识产权质押贷款顺利实现。文章为化解企业实务中的"创新型企业信贷配给困境"提供了必要的理论借鉴,并为完善和改进中国创新型企业知识产权质押融资政策提供了现实依据。

The intellectual property pledge loan to innovative enterprise plays an important role in the development of innovative enterprises and financial products innovation. One important reason for the slow development of innovative enterprises intellectual property pledge loan in practice is that the commercial banks face huge risks and is lack of objective method to assess the risk. From commercial banks ＇ perspective,this paper explores assessment factors system of innovation enterprise intellectual property pledge loan,and builds a commercial bank scoring table to determine the intellectual property pledge loan risk of commercial bank and its weight in order to increase the objective of innovation enterprise intellectual property pledge loan risk assessment of commercial banks. This paper provides a theoretical reference for defusing the problem of ＂innovative enterprise credit rationing dilemma＂,and a realistic basis for improving intellectual property pledge loan policy.