知识产权信贷担保资产证券化若干法律问题探讨

Legal Analysis of Loaned Asset\|Backed Securitization by Pledge of Intellectual Property

资产证券化是当今国际金融市场最重要的金融创新之一,资产证券化是以可预期的稳定现金流为支撑,通过对资产的风险和收益进行法律上的分离和信用增级,转换为在资本市场上发行以资产支持的证券,从而达到发起人融得资金、投资人获得投资回报的目的。知识产权质押担保信贷资产证券化应该说为科技企业提供一个新型的融资技术,同时也能为银行向科技企业贷款提供了一种减少贷款风险的新途径。

Asset\|Backed Securitization is one of the most significant innovations of the international finance. Asset\|Backed Securitization is based on the predictable stable cash\|flow and the asset is transferred as securities issued in the capital market by legally separation between the risk and benefit of the asset and by credit improvement of the asset, thereafter,the aims that the promoters finance and investors are rewarded can be achieved. 