本文關鍵詞：我國商業(yè)銀行專利權質(zhì)押貸款風險識別與控制研究　出處：《浙江理工大學》2017年碩士論文　論文類型：學位論文

  更多相關文章： 專利權質(zhì)押貸款 BP神經(jīng)網(wǎng)絡 模糊評價法 風險評估

【摘要】：專利權質(zhì)押貸款是金融衍生產(chǎn)品的創(chuàng)新,為銀行等金融機構(gòu)拓展了一條新的資產(chǎn)配置業(yè)務,同時也拓寬了科技型中小企業(yè)的融資渠道。但是調(diào)研顯示,商業(yè)銀行開展專利權質(zhì)押貸款業(yè)務的積極性并不高,之所以會出現(xiàn)這樣的現(xiàn)象,是因為該項貸款業(yè)務的風險較高且難以量化。為提高商業(yè)銀行專利權質(zhì)押貸款意愿,推進該業(yè)務又好又快發(fā)展,本文構(gòu)建了科學有效的風險評估模型,對專利權質(zhì)押貸款業(yè)務的風險等級進行了有效的評定,并進一步提出了有針對性的風險防控措施。本文站在商業(yè)銀行的角度,結(jié)合我國專利權質(zhì)押貸款業(yè)務的發(fā)展現(xiàn)狀,初步確立了專利權質(zhì)押貸款業(yè)務風險三個一級指標:宏觀因素、專利權因素及出質(zhì)企業(yè)因素,并將各一級指標展開,建立了商業(yè)銀行專利權質(zhì)押貸款風險評價指標體系。運用“3δ”法、BP神經(jīng)網(wǎng)絡法以及基于熵權的模糊綜合評價法對專利權質(zhì)押貸款項目的風險狀況進行了評估。文中選擇了比較典型的企業(yè)作為評估樣本,結(jié)合專利權質(zhì)押貸款特點及該業(yè)務目前的發(fā)展現(xiàn)狀,展開了樣本企業(yè)專利權質(zhì)押貸款風險評估的實證分析,三種方法得到的評估結(jié)果基本一致,且與實際情形一致,說明本文的研究方法不失為對不確定性較高的專利權質(zhì)押貸款風險評估的一種有效探索,能夠為商業(yè)銀行貸款項目決策提供參考。從我國專利權質(zhì)押貸款實踐來看,還存在著覆蓋面不夠廣、區(qū)域發(fā)展不平衡、金融機構(gòu)貸款意愿較低等方面的問題,為推進我國專利權質(zhì)押貸款業(yè)務的發(fā)展,解決上述制約因素,本文認為商業(yè)銀行、出質(zhì)企業(yè)、政府機構(gòu)以及中介機構(gòu)應加強溝通和協(xié)調(diào),提高信息共享水平,以便商業(yè)銀行能將風險控制在極小的情況下,積極地為科技型中小企業(yè)提供資金支持。
[Abstract]:The patent pledge loan is the innovation of financial products, develop a new business asset allocation for the banks and other financial institutions, but also to broaden the financing channels of innovative SMEs. But the research shows that the enthusiasm of the commercial banks to carry out the patent pledge loan business is not high, the reason why there is such a phenomenon, is because of the high risk of the loan business and it is difficult to quantify. In order to improve the commercial bank patent right pledge loans will promote the rapid and sound development of the business, this paper constructs a scientific and effective risk assessment model of patent pledge loan business risk level for the effective evaluation, and further puts forward the targeted risk control measures. This paper from the perspective of commercial banks, combined with the development status of China's patent pledge loan business, initially established the patent pledge loan business risk three The first index: macro factors, patent factors and quality factors of the enterprise, and will expand the level indicators, established the patent right pledge loans of commercial banks risk evaluation index system. The use of "3 Sigma" method, BP neural network method and fuzzy comprehensive evaluation based on entropy weight method of the patent pledge loan project the risk to assess the situation. This paper chose the typical enterprise as assessment samples, combined with the current development situation of the patent pledge loan business characteristics and the empirical analysis, carried out the sample enterprise patent pledge loan risk assessment, evaluation of the three methods are consistent, and consistent with the actual situation, a to explore the effective loan risk evaluation method in this paper is the pledge of patent right of high uncertainty, it can provide the reference for the decision making of commercial bank loan project. From China's patent quality The mortgage practice, there is not wide enough, unbalanced regional development, financial institutions are willing to lend to the problem of the low, in order to promote the development of China's patent pledge loan business, to solve the above constraints, this paper argues that the quality of commercial banks, enterprises, government agencies and intermediary institutions should strengthen communication and coordination to improve the level of information sharing, so that commercial banks can control risk in minimal, actively for SME to provide financial support.

【學位授予單位】：浙江理工大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.4

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