Research In Management Of Intellectual Property Financing Pledge In Xiangtan City Commercial Banks

The intellectual property pledge financing refers that the debtor or the third party pledges for the creditor by the specific intellectual property in order to make sure of the realization of the creditor's rights, and to obtain financing. Now in the background of economic globalization, intellectual economy is main melody of this era, the essence of economic competition transforms into the knowledge economy competition gradually. Under this situation, our country promulgates "Assurance Law" which stipulates explicitly that the intellectual property can be one kind of guarantee form for pledging loan, from now on, the intellectual property as a kind of growing loan is being focused by the whole society. The intellectual property pawn are the movable property security interest category, involves the law, the financial system, the credit operation and so on, not only in the theory but also in the practices, it still belongs to the stage of researching and standarding innovation, especially in the research of related theory and practice, which is still in the position of initial beginning stage at home and also belong to a advancing front area internationally. In recent years, along with the tendency of industrializing in intellectual property, and the great improvement of the market conversion rate, gaining fund by the intellectual property taken as the guaranty, which is not only turning into a urgent need of medium and small-sized enterprises especially with high technology, but also becoming an important way to reduce financial risk and advance financial innovation.Firstly, this paper studies the theory of intellectual property as security for loans, systematically describing the concept and specialty of the intellectual property. Then in view of Xiangtan City Commercial Bank's practical materials in intellectual property pledge financing, it carries out deeply in analyzing and researching. Xiangtan City Commercial Bank has made use of the chance of constructing two-oriented society, cooperating with the scientific and technological enterprises and financial institutions, which takes the independent innovation of Small and Medium Enterprises(SMEs)as the prospective borrowers to select those loan projects with good market prospect and take a way of packing patents pledged to develop intellectual property pledge financing. And dong this not only eases the financing problem of SMEs effectively and helps enterprises turn their technological advantages into market advantages, but also promotes the independent innovation of enterprises and perfect the system in financial innovation. The article of Xiangtan City Commercial Bank finds out the main problems existed in the practice by analyzing the present situation of Xiangtan City Commercial Bank in intellectual property pledge financing: high cost of security for loans; difficulties in disposing the pledge of intellectual property; hardness of keeping away risks in banks. Finally according the specific situation of Xiangtan City Commercial Bank, it states that perfecting intellectual property pledge financing still needs the support and advice from government.