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中小企业对于产业技术创新、劳动力就业、产业结构优化都起着不可或缺的作用,因此,大力发展中小企业是推动我国经济转型和促进经济发展的重要动力。然而,由于中小企业固定资产比重小,经营风险高的特点,以及我国知识产权交易体系存在诸多缺陷,导致银行对中小企业惜贷现象严重。因此,如何让持有知识产权的中小企业从银行获取贷款,是当前解决中小企业融资难的关键问题。本文通过分析知识产权质押融资的模式和识别质押流程中的风险,提出解决知识产权质押问题的措施。
Small and medium-sized enterprises play an indispensable role in industrial technological innovation, employment of the labor force and optimization of industrial structure. Therefore, vigorously developing small and medium-sized enterprises is an important driving force for promoting China’s economic restructuring and promoting economic development. However, due to the small proportion of SMEs in fixed assets, high operating risk characteristics, as well as China’s intellectual property trading system, there are many shortcomings, resulting in bank loans to SMEs serious phenomenon. Therefore, how to get SMEs with intellectual property rights to obtain loans from banks is the key issue to solve the financing difficulties of SMEs. This article analyzes the pledge financing model of intellectual property and identifies the risks in the pledge process, and puts forward the measures to solve the pledge of intellectual property.