知识产权质押融资风险影响因素研究——基于系统动力学视角

A Study on the Risk Influencing Factors of Intellectual Property Pledge Financing:A Perspective from System Dynamics

知识产权质押融资业务形成了一个多变量的系统机制,不同主体和客体间相关影响构成一个复杂的反馈回路,从系统视角识别知识产权质押融资风险具有重要价值。文章从企业、银行、第三方机构、政府和知识产权自身五个维度刻画知识产权质押融资风险,利用层次分析法设定指标权重搭建风险识别模型,展示各子系统间相互作用的反馈机制,最后借助系统动力学模型进行模拟仿真。研究发现,知识产权质押融资业务的风险具有复杂性,应该考虑总体风险而不能忽视变量通过系统反馈机制的间接影响。此外,模拟仿真结果表明,经济政策对系统风险具有多重反馈机制,不稳定性会加大风险,而有效的激励和风险补偿手段有助于知识产权质押融资业务的开展。

Intellectual property(IP)pledge financing operates within a multivariable systemic mechanism,where various stakeholders and subjects are interconnected through complex feedback loops.Identifying the risks associated with IP pledge financing from a systemic perspective is of significant value.This paper characterizes the risks of IP pledge financing from five dimensions:enterprises,banks,third-party institutions,government,and the IP itself.It employs the Analytic Hierarchy Process(AHP)to establish indicator weights and construct a risk identification model,illustrating the interplay and feedback mechanisms among subsystems,followed by simulation using a system dynamics model.The study finds that the risks in IP pledge financing are complex and require consideration of overall risks,without overlooking the indirect effects of variables through systemic feedback mechanisms.Moreover,simulation results indicate that economic policies have multiple feedback mechanisms on systemic risks,with instability exacerbating risks,while effective incentives and risk compensation measures contribute to the development of IP pledge financing activities.