本文選題：科技型中小企業(yè)　切入點(diǎn)：知識(shí)產(chǎn)權(quán)　出處：《重慶理工大學(xué)》2017年碩士論文

【摘要】：知識(shí)產(chǎn)權(quán)質(zhì)押融資可以幫助科技型中小企業(yè)解決資金困難的問(wèn)題,科技型中小企業(yè)將其知識(shí)產(chǎn)權(quán)作為質(zhì)押物向銀行貸款,完成企業(yè)科技創(chuàng)新、產(chǎn)業(yè)發(fā)展等目標(biāo)�？萍夹椭行∑髽I(yè)知識(shí)產(chǎn)權(quán)質(zhì)押融資業(yè)務(wù)自從2009年開(kāi)展試點(diǎn)工作以來(lái),在業(yè)務(wù)開(kāi)展規(guī)模、貸款資金量及融資模式的拓展等方面都取得了一定的成績(jī)。然而,科技型中小企業(yè)知識(shí)產(chǎn)權(quán)質(zhì)押融資業(yè)務(wù)在實(shí)際開(kāi)展時(shí),會(huì)面臨各種風(fēng)險(xiǎn)問(wèn)題。如何有效分擔(dān)風(fēng)險(xiǎn),對(duì)于科技型中小企業(yè)知識(shí)產(chǎn)權(quán)質(zhì)押融資業(yè)務(wù)的良性開(kāi)展具有積極意義。本文旨在研究科技型中小企業(yè)知識(shí)產(chǎn)權(quán)質(zhì)押融資風(fēng)險(xiǎn)分擔(dān)機(jī)制問(wèn)題,通過(guò)研究國(guó)內(nèi)典型知識(shí)產(chǎn)權(quán)質(zhì)押融資模式,揭示出阻礙科技型中小企業(yè)知識(shí)產(chǎn)權(quán)質(zhì)押融資發(fā)展的瓶頸是風(fēng)險(xiǎn)問(wèn)題,對(duì)這些風(fēng)險(xiǎn)進(jìn)行分析和識(shí)別,建立基于博弈論的風(fēng)險(xiǎn)分擔(dān)模型,構(gòu)建科技型中小企業(yè)知識(shí)產(chǎn)權(quán)質(zhì)押融資風(fēng)險(xiǎn)分擔(dān)機(jī)制。本文將從以下幾個(gè)方面開(kāi)展研究:(1)綜述科技型中小企業(yè)知識(shí)產(chǎn)權(quán)質(zhì)押融資國(guó)內(nèi)外研究現(xiàn)狀。通過(guò)文獻(xiàn)研究掌握該領(lǐng)域的研究動(dòng)態(tài)和前沿,總結(jié)發(fā)達(dá)國(guó)家的先進(jìn)經(jīng)驗(yàn)。(2)科技型中小企業(yè)知識(shí)產(chǎn)權(quán)質(zhì)押融資現(xiàn)狀研究。通過(guò)分析國(guó)內(nèi)現(xiàn)行的科技型中小企業(yè)知識(shí)產(chǎn)權(quán)質(zhì)押融資模式,對(duì)具有代表性的北京、上海、湖北及江蘇等幾種模式進(jìn)行研究,探索現(xiàn)有模式存在的問(wèn)題,發(fā)現(xiàn)阻礙科技型中小企業(yè)知識(shí)產(chǎn)權(quán)質(zhì)押融資發(fā)展的關(guān)鍵問(wèn)題是風(fēng)險(xiǎn)問(wèn)題。(3)對(duì)科技型中小企業(yè)知識(shí)產(chǎn)權(quán)質(zhì)押融資風(fēng)險(xiǎn)進(jìn)行分析和識(shí)別。首先,對(duì)風(fēng)險(xiǎn)形成機(jī)理進(jìn)行分析,總結(jié)出政策、法律、經(jīng)濟(jì)、企業(yè)、技術(shù)及評(píng)估等6個(gè)一級(jí)風(fēng)險(xiǎn),并將其細(xì)化為20個(gè)二級(jí)風(fēng)險(xiǎn),對(duì)20個(gè)二級(jí)風(fēng)險(xiǎn)進(jìn)行識(shí)別,以便將它們科學(xué)性的分解到科技型中小企業(yè)知識(shí)產(chǎn)權(quán)質(zhì)押融資業(yè)務(wù)的各實(shí)施流程階段中。(4)建立科技型中小企業(yè)知識(shí)產(chǎn)權(quán)質(zhì)押融資風(fēng)險(xiǎn)分擔(dān)模型。對(duì)各風(fēng)險(xiǎn)分擔(dān)主體進(jìn)行分析,研究科技型中小企業(yè)與其他參與主體之間的互動(dòng)關(guān)系,在此基礎(chǔ)上采用博弈分析法建立科技型中小企業(yè)知識(shí)產(chǎn)權(quán)質(zhì)押融資風(fēng)險(xiǎn)分擔(dān)模型,從收益角度將風(fēng)險(xiǎn)分擔(dān)給各個(gè)風(fēng)險(xiǎn)分擔(dān)主體。(5)科技型中小企業(yè)知識(shí)產(chǎn)權(quán)質(zhì)押融資風(fēng)險(xiǎn)分擔(dān)機(jī)制構(gòu)建及實(shí)施路徑。從風(fēng)險(xiǎn)分擔(dān)主體及客體、風(fēng)險(xiǎn)分擔(dān)決策動(dòng)因、行為導(dǎo)向制度、行為歸化制度4個(gè)要素設(shè)計(jì)風(fēng)險(xiǎn)分擔(dān)機(jī)制,并從政府、科技型中小企業(yè)、銀行、評(píng)估機(jī)構(gòu)、擔(dān)保機(jī)構(gòu)層面提出具體的實(shí)施路徑。本文通過(guò)對(duì)科技型中小企業(yè)知識(shí)產(chǎn)權(quán)質(zhì)押融資風(fēng)險(xiǎn)分擔(dān)機(jī)制的系統(tǒng)研究,得出了以下兩點(diǎn)結(jié)論:第一,我國(guó)應(yīng)形成市場(chǎng)化運(yùn)作為主導(dǎo)、政府政策為引導(dǎo)、資產(chǎn)評(píng)估機(jī)構(gòu)、擔(dān)保機(jī)構(gòu)、商業(yè)銀行等合作支持的局面。通過(guò)多方主體的共同參與,形成科技型中小企業(yè)知識(shí)產(chǎn)權(quán)質(zhì)押融資風(fēng)險(xiǎn)分擔(dān)、利益共享的良好格局;第二,構(gòu)建科技型中小企業(yè)知識(shí)產(chǎn)權(quán)質(zhì)押融資風(fēng)險(xiǎn)分擔(dān)機(jī)制必須堅(jiān)持風(fēng)險(xiǎn)分擔(dān)原則,即風(fēng)險(xiǎn)與防控程度相對(duì)稱原則、風(fēng)險(xiǎn)分擔(dān)各方參與程度相協(xié)調(diào)等原則。
[Abstract]:Can help SMEs to solve the financial difficulties of the problem of science and technology of intellectual property mortgage financing, small and medium-sized enterprises will their intellectual property as collateral to bank loans, to complete the enterprise technological innovation and industrial development. The target of intellectual property in small and medium sized enterprises financing since 2009 to carry out pilot work in business scale, loan funds the amount and financing mode of development has made some achievements. However, the intellectual property rights in small and medium sized enterprises financing in actual development, will face various risks. How to effectively share the risk, it is of positive significance for the benign development of intellectual property rights in small and medium sized enterprises financing. The purpose of this paper is to research on intellectual property problem of SME financing risk sharing mechanism, through the study of typical domestic intellectual property pledge financing mode Type, reveals the bottleneck of science and technology of intellectual property pledge financing of SMEs development is the risk of problems, analysis and recognition of these risks, establish risk sharing model based on game theory, construction of intellectual property rights in small and medium sized enterprises financing risk sharing mechanism. This paper will carry out research from the following aspects: (1) research status review of intellectual property pledge financing in small and medium sized enterprises at home and abroad. Through literature research and cutting-edge research on dynamic grasp of the field, summarizes the advanced experience of the developed countries. (2) the financing status of intellectual property in small and medium sized enterprises through the analysis of intellectual property pledge. The current domestic small and medium sized enterprises financing mode of representative Beijing, Shanghai, Hubei and Jiangsu on several models, explore the existing problem, hindering SME knowledge discovery The key problem is the development of property rights pledge financing risk. (3) of intellectual property rights in small and medium sized enterprises financing risk analysis and recognition. First of all, the risk formation mechanism analysis, summed up the policy, legal, economic, business, technology and evaluation of 6 level of risk, and divide it into 20 two level of risk, the identification of 20 two level of risk, so that the implementation process of their stage scientific decomposition to the intellectual property rights of SME financing operation. (4) the establishment of intellectual property rights in small and medium sized enterprises pledge financing risk sharing model. The risk sharing subject analysis, interaction the study of the relationship between SME and other participants, on the basis of the game analysis of intellectual property law establishment of SME financing risk sharing model, from the angle of risk sharing will return For each risk sharing subject. (5) intellectual property rights in small and medium sized enterprises financing risk sharing mechanism construction and implementation path. From the subject and object of risk sharing, risk sharing decision motivation, behavior oriented system, the behavior of the naturalization system 4 factors design risk sharing mechanism, and from the government, SMEs, banks, evaluation mechanism, put forward specific implementation path guarantee level. This system through the technology of intellectual property right pledge financing of SMEs risk sharing mechanism, draw the following two conclusions: first, China should form the market as the leading, government policy guidance, asset evaluation agencies, security agencies, cooperative commercial bank support the situation. Through participation of multi subject, the formation of share pledge financing of intellectual property risk in small and medium sized enterprises, benefit sharing pattern is good; second, Gou Jianke Technological SMEs' intellectual property pledge financing risk sharing mechanism must adhere to the principle of risk sharing, that is, the principle of relative risk and prevention and control, and the coordination of risk sharing parties.

【學(xué)位授予單位】：重慶理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F276.44;F275

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