本文選題：知識產(chǎn)權(quán) + 質(zhì)押貸款��； 參考：《哈爾濱工程大學》2014年碩士論文

【摘要】：隨著科學技術的迅猛發(fā)展和經(jīng)濟一體化進程的加快,創(chuàng)新型企業(yè)在國民經(jīng)濟發(fā)展中的重要性日益凸顯。在激烈的市場競爭中,“融資”成為限制創(chuàng)新企業(yè)發(fā)展的最大難題。隨著知識產(chǎn)權(quán)逐漸進入商業(yè)流通領域,知識產(chǎn)權(quán)的資本價值逐漸被認可,知識產(chǎn)權(quán)質(zhì)押貸款融資方式成為創(chuàng)新企業(yè)融資的新渠道。由于知識產(chǎn)權(quán)的專有性、法定性、無形性、可復制性等特點,使知識產(chǎn)權(quán)較傳統(tǒng)抵質(zhì)押品具有更大的不確定性、更多的風險因素。因此,知識產(chǎn)權(quán)質(zhì)押貸款與傳統(tǒng)實物資產(chǎn)質(zhì)押貸款相比,有其特殊的風險。我國知識產(chǎn)權(quán)質(zhì)押貸款開展時間短、積累經(jīng)驗少,商業(yè)銀行在實踐中對其風險的識別、評估和控制存在較多問題,成為制約知識產(chǎn)權(quán)質(zhì)押貸款順利推廣的主要因素。本文從宏觀和微觀兩個方面分析識別了質(zhì)押貸款過程中的風險因素,研究了基于模糊層次綜合評價法的風險評估方法,并將該方法應用于某知識產(chǎn)權(quán)質(zhì)押貸款案例,并重點分析了我國知識產(chǎn)權(quán)質(zhì)押貸款風險管理在風險因素識別、風險水平評估以及風險控制策略與方法等方面存在的問題。在借鑒國外知識產(chǎn)權(quán)質(zhì)押貸款風險管理實踐經(jīng)驗的基礎上,提出了完善我國知識產(chǎn)權(quán)質(zhì)押貸款風險管理的建議措施,包括分層次、多角度全面風險識別,運用定性與定量相結(jié)合風險評估方法,選取專業(yè)權(quán)威的評估機構(gòu)對風險進行評估;探索知識產(chǎn)權(quán)質(zhì)押貸款新模式、規(guī)范貸款審批流程及審慎篩選貸款企業(yè)等風險的事前控制,以及跟蹤貸款資金流向、引入專業(yè)的擔保機制和保險制度等風險的事后控制措施,以降低風險事件的發(fā)生概率、防止風險損失的擴大。此外,本文認為還應積極發(fā)揮政府在搭建知識產(chǎn)權(quán)交易平臺、開發(fā)知識產(chǎn)權(quán)擔保保險機制、完善法律制度等方面的引導作用。
[Abstract]:With the rapid development of science and technology and the acceleration of economic integration, the importance of innovative enterprises in the development of national economy is becoming increasingly prominent. In the fierce market competition, "financing" has become the biggest problem restricting the development of innovative enterprises. With intellectual property gradually entering the field of commercial circulation, the capital value of intellectual property is gradually recognized, and the financing method of intellectual property pledge loan becomes a new channel for innovative enterprise financing. Because of the proprietary, legal, invisible and replicable characteristics of intellectual property rights, intellectual property rights have more uncertainty and more risk factors than traditional pledge goods. Therefore, the intellectual property mortgage loan has its special risk compared with the traditional real assets mortgage loan. There are many problems in the identification, evaluation and control of the risk of intellectual property mortgage loan in China, which are the main factors restricting the smooth promotion of intellectual property mortgage loan. This paper analyzes and identifies the risk factors in the process of pledge loan from macro and micro aspects, studies the risk assessment method based on fuzzy hierarchical comprehensive evaluation method, and applies this method to a case of intellectual property mortgage loan. The problems in risk factors identification, risk level assessment, risk control strategies and methods are also analyzed in China's intellectual property mortgage loan risk management. On the basis of drawing lessons from the practical experience of foreign intellectual property mortgage loan risk management, this paper puts forward some suggestions for perfecting the risk management of intellectual property mortgage loan in China, including the comprehensive risk identification from different levels and angles. Using qualitative and quantitative risk assessment methods, selecting professional and authoritative evaluation institutions to evaluate the risks, exploring a new model of intellectual property mortgage loans, standardizing the loan approval process and carefully screening loan enterprises, and so on. In order to reduce the probability of occurrence of risk events and prevent the expansion of risk loss, we should follow up the flow of loan funds, introduce professional guarantee mechanism and insurance system and other risk control measures. In addition, the paper holds that the government should play a leading role in setting up intellectual property trading platform, developing intellectual property guarantee insurance mechanism, perfecting legal system and so on.
【學位授予單位】：哈爾濱工程大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.4

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本文編號：1996163