我国科技型中小企业知识产权质押融资存在的问题及对策  

Problems and Countermeasures of Intellectual Property Pledge Financing for Small and Medium-sized Science and Technology Enterprises in China

作　　者：饶瑛[1] RAO Ying(Lanzhou Jiaotong University Bowen College,Gansu Lanzhou,730101 China)

机构地区：[1]兰州交通大学博文学院,甘肃兰州730101

出　　处：《智能城市应用》2019年第4期12-14,共3页Smart City Application

摘　　要：中小企业是相对于大企业而言的,他在生产、人力、经营等方面的规格都比较小,但是目前的中小企业构成了我国广大市场经济的主体部分,也是减轻失业率,充分保障社会就业,促进大众创业创新的基础,也对于社会的经济增长贡献了坚实的力量。但是由于中小企业的规模比较小,很容易发生资金链的紧张,而一些金融机构因为中小企业的自身特性难以及时提供相关的金融资金的支持,对中小企业的发展和正常经营造成了很大的阻碍。而知识产权质押融资这种向金融机构进行融资贷款的方式的兴起,帮助一部分中小企业顺利的获得了金融机构的贷款支持,缓解了资金周转的难题,为企业顺利经营生产给予了相应的保障,但是在中小企业知识产权质押融资的环节还存在着一系列的问题和缺陷,阻碍了中小企业知识产权质押融资的发展。"The small and medium-sized enterprises are relatively small in terms of production,manpower and management,but the present small and medium-sized enterprises constitute the main part of the general market economy of our country,and also to reduce the unemployment rate and guarantee the social employment."The foundation of promoting the innovation of public entrepreneurship also contributes to the economic growth of the society.However,because of the small size of the small and medium-sized enterprises,it is easy to get the tension of the capital chain,and some financial institutions have made great obstacles to the development and normal operation of the small and medium-sized enterprises because of the difficulty in providing the support of the related financial resources in time because of the self-characteristics of the small and medium-sized enterprises.as can be seen The rise of the way of financing the financial institution with the pledge of the property right is to help some small and medium-sized enterprises to successfully obtain the loan support of the financial institution,alleviate the difficulty of the capital turnover,and give the corresponding guarantee for the smooth operation of the enterprise.However,there are a series of problems and defects in the financing of the intellectual property pledge of small and medium-sized enterprises,which hinder the development of the intellectual property pledge financing of small and medium-sized enterprises.

关 键 词：科技型中小企业 知识产权 融资 

分 类 号：F275[经济管理—企业管理] F276.3[经济管理—国民经济]