基于博弈论组合赋权的知识产权质押融资风险评估  

Risk Assessment of Intellectual Property Pledge FinancingBased on Game Theory Portfolio Empowerment

作　　者：李维 李谦 LI Wei;LI Qian(School of Economics and Management,Southwest Forestry University,Kunming 650224,China)

机构地区：[1]西南林业大学经济管理学院,昆明650224

出　　处：《科技和产业》2024年第24期142-147,共6页Science Technology and Industry

基　　金：云南省研究生优质课程建设项目(高级财务会计)。

摘　　要：知识产权质押融资已成为解决科技型中小企业融资难、融资贵的一种重要方式,但由于在质押过程中存在质押风险因素考虑不够全面合理、质押风险指标权重不够客观,使银行承担了极大的风险,限制了该业务的发展。因此,基于银行视角构建知识产权质押风险指标体系,再利用博弈论组合赋权对质押风险进行评估,为银行开展知识产权质押贷款业务的贷前、贷后风险识别和管控提供参考依据。Intellectual property pledge financing has become an important way to solve the financing difficulties and expensive financing of small and medium-sized technology-based enterprises,but due to the insufficient comprehensive and reasonable consideration of pledge risk factors and the lack of objective weight of pledge risk indicators in the pledge process,banks bear great risks and limit the development of this business.Therefore,an intellectual property pledge risk index system was constructed from the perspective of banks,and then game theory portfolio weighting to evaluate the pledge risk was used,which was a reference for banks to carry out pre-loan and post-loan risk identification and control.

关 键 词：博弈论组合赋权 知识产权质押融资 风险评估 

分 类 号：F832.4[经济管理—金融学] F275