Studies On Risk Issues Of Patent Pledge Loan

Technological Small and Medium-sized Enterprises (SME) plays the vital role in technological innovation and becomes the primary impetus of economic growth in China. In order to ease the long-lasting financing problem which baffles SME, the government encourages financial institutions to give further credit support on SME, especially on patent and other Intellectual Patent (IP) pledge loan business.Studies on solving risk issues involved in IP pledge loan business and corresponding solutions could, firstly, fill the blank on existing loan and financing system and revitalize the use of commercial bank lending model, secondly, develop a new financial channel for SME by making a full use of SME's advantage on IP quantities and finally, improve the situation of poor credit and lack of tangible assets collateral of SME to remove the barriers on financing for their accelerating development.This paper studied on the following issues,1. Defined the risks involved in Patent pledge loan and focus on analyzing their functions on relevant business and the cause, impact and controlling methods of every risk.2. Analyze the administrative rules of domestic patent pledge loan and study the purpose, significance and practical effect of specific provision. Study results show that although these administrative rules have some controls on the risks of such business under current system, the problem of patent evaluation and realized are not solved essentially.3. Compared with existing risk controlling mechanism of patent pledge loan, fully analyze the advantage and disadvantages of the operating process and actual effect of every model to draw a conclusion that there's no mature operating mode on patent pledge loan within China.4. Conduct an innovative research on existing mechanism for risk diversification to discuss the feasibility of integrating patent pledge loan with Technology Insurance and Enterprise Security Alliance. Introduction of Technology Insurance could reduce the risk of such business, which also has a practical value under government support and is worth to promote nationally. By establishing Enterprise Security Alliance, guarantor and borrower could make up their own shortcomings in a large extent to reduce relative risks of such business.5. On the basis of above studies, this paper suggest implementing a bold innovation on financial system and establish National Credit Guarantee System to make a full play of the guiding role of our government and lead patent pledge loan business to the?market-oriented road gradually.This paper has a practical value and innovative meaning by breaking through the theoretical study pattern of former studies on patent pledge loan, focusing on the practical and implementing results of relevant policies, and analyzing the function of introducing Technology Insurance on the basis of above mentioned studies.