Intellectual Property Rights Pledge Financing Risk Empirical Research And Its Countermeasures

Financing for small and medium-sized enterprise’s survival and development is very important, for to intellectual property rights as the core competitiveness of small and mid-sized enterprise especially so, and small and mid-sized enterprise in the beginning stage some just intangible assets, including software copyright, patent and proprietary technology, the lack of fixed assets and capital flow, not directly from the bank mortgage assets. In the enterprise growth stage, the lack of money often means that science and technology achievements can not be transformed into the productive forces, and lead to enterprise and many development opportunities missed, in the thousand sails to compete sends, the era of win will be out soon.Intellectual property rights pledge financing as a relatively new type of financing, the different from traditional to real estate as a pledge to financial institutions to apply for a loan way, it is to show the enterprise or individual with its own legal patent, trademark, copyright the property after the evaluation as the pledge, to the bank for a loan financing ways. Intellectual property rights in Europe and the United States pledged financing developed countries have a complete development, with the rapid development of Chinese economy, the intellectual property in China has pledge financing caused extensive attention, but the current is still in early stages of development.This paper will be through the first case of the intellectual property right impawn financing business empirical research, this paper summarizes the successor to valuable experience, and from the bank, small and medium-sized enterprises, government and intermediary agencies four Angle to analyze the entire intellectual property pledge financing process the problems reflected, to intellectual property rights pledge financing risk summary and analysis, further put forward the countermeasures against risks.