Research On The Financing Of Intellectual Property Pledge In China 's Science And Technology Enterprises

21st century is the time of knowledge economy,the development of economy will not go far without scientific technology.technology enterprises are becoming more and more important to Chinese economy,and the development of technology enterprises are closely related to Chinese future economy.But for the reason of lacking of the real mortgage assets,obtaining funds from the bank becomes very difficult.In 2006,a bio-pharmaceutical company,Ke Rui,got a intellectual property mortgage loan,this brought new hope for the technology enterprises.As a new way of financing,the intellectual property financing is still very young in China,but it has open up an effective financing channel for the technology enterprises.The rapid development of intellectual property can not only promote the technology enterprises but also in accordance with the idea of constructing innovation oriented country.But as intellectual property financing is very young in China,it still has many trouble,such as lacking of law,the fuzziness of mortgage,the difficult of evaluating intellectual property.So how to solve these problems and how to perfect the system of intellectual property mortgage become very imperative.This essay is based on the background.Through checking foreign and domestic data and basing on some theories,this paper study the intellectual property financing from the perspectives of financing pattern,financing feature and the evaluation of intellectual property.At last it offers some suggestions for perfecting the system of intellectual property mortgage financing.At first,this paper elaborates the background of intellectual property mortgage financing,expounding the meaning of developing intellectual property mortgage financing in China,then the paper summarizing the trouble during intellectual property mortgage financing based on the analysis of China’s intellectual property situation.After this,in reference of the experience of foreign and domestic intellectual property mortgage financing,the paper constructs a new financing pattern.Then based on the analysis of the contemporary methods of intellectual property evaluation,the paper comes up with the fuzzy evaluation system and shows how to use this system.From the paper,we come to conclusions that,firstly,intellectual property mort gage loan is not well accepted in China;secondly,the laws for intellectual prope rty mortgage loan are absent;thirdly,there is no effectively risk dispersed mechanism;lastly,the evaluation methods have the limits.At last,the paper offers some suggestions for perfecting the intellectual property mortgage financing system from the perspectives of law,risk,the bank and technology enterprises.