成本替代、利益渗透和风险收益匹配:山东省首家科技支行运作案例研究  

Cost Alternative,Interests of Penetration and Risk-benefit Match: Case Study of First Operation of the Science and Technology Branch in Shandong Province

作　　者：刘贤军[1] 邵明志[1] 陈明仿[1] 

机构地区：[1]中国人民银行威海市中心支行,山东威海264200

出　　处：《金融发展研究》2012年第10期26-29,共4页Journal Of Financial Development Research

摘　　要：威海市商业银行在高新技术产业开发区成立专门提供知识产权质押融资业务的全省首家科技支行,以财政贴息扶持、集体信息采集、专利质押平台搭建为手段,为科技型企业开展知识产权质押融资提供便利,成功解决信息收集成本高、担保公司风险收益不匹配、新型信用资源利用不充分等问题,为缓解中小企业融资难问题提供了新思路。Weihai City Commercial Bank established the province＇s first Science and Technology Branch-Weihai City Commercial Bank, high-tech sub-branches in High-tech Industrial Development Zone, which provides intellectual property as security for financing. This branch uses financial discount support, information collection, patent pledge platform to facilitate intellectual property pledge for science and technology enterprises, and solve such problems as high information gathering cost, risk-benefit of the guarantee company does not match, new credit resources underutilized successfully, provides new ideas for easing the problem of SMEs financing.

关 键 词：成本替代 利益渗透 风险收益匹配 科技支行 

分 类 号：F832.33[经济管理—金融学]