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创新型企业知识产权质押贷款对创新型企业发展和金融产品创新具有重要的促进作用。创新型企业知识产权质押贷款在实务中发展缓慢的重要原因是商业银行面临巨大风险,却缺乏对其风险的客观评估。本文基于商业银行视角,依据“双构面”有限理性理论,通过市场调查方法,构建了创新型企业知识产权质押贷款风险影响因素的结构框架,并通过因子分析法设计了商业银行打分表,确定了创新型企业知识产权质押贷款风险评估指标体系及其权重,以期提高商业银行对创新型企业知识产权质押贷款风险评估的客观性和科学性,加强其对贷款风险的控制,推动创新型企业知识产权质押贷款顺利实现。文章为化解企业实务中的“创新型企业信贷配给困境”提供了必要的理论借鉴,并为完善和改进中国创新型企业知识产权质押融资政策提供了现实依据。
Innovative corporate intellectual property pledge loans for the development of innovative enterprises and financial product innovation has an important role in promoting. The important reason for the slow development of IPR pledged loans in innovative enterprises is that commercial banks face huge risks but lack of objective assessment of their risks. Based on the theory of commercial banks and the theory of bounded rationality, the paper constructs the structural framework of the impact factors of intellectual property pledged loans of innovative enterprises through market research methods, and designs the scorecard of commercial banks through factor analysis , Determined the index system and weight of risk assessment of intellectual property pledged loans for innovative enterprises with a view to improving the objectivity and scientificity of commercial banks in assessing the risk of intellectual property pledged loans for innovative enterprises and strengthening their control over loan risks and promoting innovation Enterprise intellectual property pledged loan smoothly. The article provides the necessary theoretical reference for resolving “the plight of innovative corporate credit rationing ” in the enterprise practice and provides a realistic basis for perfecting and improving the pledge financing policy of intellectual property in China ’s innovative enterprises.