The Intellectual Property Rights Pledge Loan Of Commercial Bank

It very important of how to use intellectual property resources effectively, withthe development of our understanding of the intellectual property rights of thedeepening.The intellectual property rights pledge loan can use a novel channelresources of intellectual property rights. Intellectual property mortgage refers tointellectual property rights through the intellectual property rights pledge, as his ownor other people’s loan guarantee, financing behavior and then to get loans from thelenders. According to the current situation, main demand for China’s intellectualproperty pledge loan is the less fixed assets, credit is low, its own funds weak smalland medium-sized high-tech enterprises. At present, the loan of pledge of intellectualproperty rights in China seems to flourish, but the risk is still many, including legalrisk, economic risk, liquidity risk, transaction risk, government participation throughhigher risk. In order to make the intellectual property rights pledge loan ofdevelopment and prosperity, we explore its root cause of risks, including intellectualproperty rights pledge imperfect legislative system, registration system is not perfect,evaluation system is not perfect, intellectual property is not easy to control problems.To solve these problems, we put forward the corresponding improvement measures.Hope that through these measures, we can remove the commercial banks for theintellectual property pledge loans worries and cautious, actively participate in theactivities of these loans. This will not only support the development of Hi-tech SMEs,to help them solve the development of sources of funds. But for commercial banks,enhance the commercial bank business ability, expand the commercial bank’s businessscope, reduce the risk of bank loans of homogeneity. On the whole also enhanceChina’s comprehensive national strength. Also made contributions for thedevelopment of our country.