知识产权质押融资风险评价研究——基于银行视角  

A Research on Risk Evaluation of Intellectual Property Pledge Financing: from the View of Bank

作　　者：鲍新中[1] 董玉环[1] 

机构地区：[1]北京联合大学管理学院,北京100101

出　　处：《南京审计学院学报》2016年第2期48-56,共9页journal of nanjing audit university

基　　金：国家社会科学基金项目(14BGL034);北京市社会科学基金重点项目(15JGA003)

摘　　要：知识产权质押融资作为一种新型的融资方式,为科技型中小企业融资注入了新的活力。与以不动产向银行抵押贷款的传统方式相比,金融机构在知识产权质押融资中所承担的风险更大,因而对知识产权质押融资的风险进行评价就显得更为重要。基于银行视角建立完整的知识产权质押融资风险评价指标体系,赋予各个指标区间值,并运用基于可能度的多属性决策方法对质押融资风险进行评价,实际算例证明本文建立的指标体系具有科学性,基于可能度的多属性决策方法具有可行性和有效性。As a new kind of financing way,intellectual property（ IP） pledge financing has injected new vitality into the small and medium-sized enterprises centered on science and technology. Compared to the traditional mortgage loans with real property,financial institutions assume greater risk in the IP pledge financing,and thus it becomes more important for evaluating the risk of IP pledge financing. This paper establishes a complete set of pledge financing risk assessment system from the perspective of bank,and gives interval value to each indicator. A method of multi-attribute decision making based on the possibility degree is used to assess the risk of IP pledge financing. Finally,numerical examples is used to demonstrate the feasibility and effectiveness of this method.

关 键 词：知识产权质押融资 质押融资 风险评价 抵押贷款 质押贷款 中小企业融资 风险管理 知识产权融资 

分 类 号：F830.5[经济管理—金融学]