Bank Of Intellectual Property Rights Pledge Loan Pattern Research

With the rapid development of financial markets and banking fierce competition, the bank has an optimistic development prospect about intellectual property financing business, and has introduced intellectual property impawn loan products. But so far, Intellectual property impawn loan business has poor development for banks. The proportion of loan is very low. Bank employees don’t understanding the Intellectual property impawn loan; on the pledge of intellectual property valuation have misgiving. Banks lack the intellectual property evaluation methods; bank intellectual property pledge loan for methods of risk control are backward. In this background, the author intends to research mode about bank of intellectual property impawn loan, so that the bank to expand the knowledge in intellectual property financing, to cultivate and develop the intellectual property loan business, innovate loan types, to enhance profits of the bank.The author uses the modern enterprise financing theory, relationship between banks and enterprises Finance theory and intellectual property financing theory. From the bank intellectual property impawn loan process, intellectual property impawn loan valuation and intellectual property impawn loan risk control from three aspects such as, the author combines the case to Qilu bank and Electronics Company Limited, researches to intellectual property pledge loan problem. And the author put forward to policy suggestions for bank intellectual property pledge loan deeper development from the business philosophy, value assessment, risks control, communication with the government, staff training.