Financial Institutions In The Patent Pledge Loan Risk Assessment

Since the21st century, the development of small and medium-size enterprises (SMES) especially Scientific-and-Technical-Type SMES, have led to increasingly demand for funds, which bring rich business resources to financial institutions. Limited to the weak assets by SMES, they get small probability to obtain loans from financial institutions in virtue of hardly provide appropriate collateral as security, the problem of shortage of funds for SMES has not been solved. Therefore, patent pledge financing for SMES provides a new financing channel, but the financial institution for this new patent pledge loan is still quite a lack of theoretical basis and practical experience. It is difficult to assess the actual risk with business development to control, restricting the patent pledge to carry out financial institutions lending, accordingly, research on how patent pledge of financial institutions to assess credit risk turn to be of great significant.In this paper, we first try to realize and identify the patent pledge loan risk, and then we describe the special risks patent pledge loans, combining with patent valuation, liquidity, legal and particularity of patent products business market. In this baseline, we use Delphi method to scientifically classify each of the risk evaluation indexes and choose the indicators for patent pledge loan. While calculating the weight of each index, the use of Delphi method and level of analysis, as well as expert judgment for consistency test results to determine the weight of each second-level evaluation index weight and level indicators corresponding to the relative underweight. The basic theory of fuzzy mathematics is then formed to construct the patent pledge loan risk secondary fuzzy comprehensive evaluation model, with analysis of two virtues that one successfully obtain collateral loans and the other failed to get the pledged fund, to make demonstration of the model’s applicability, evaluation of the results obtained in this model show consistent with the actual situation. Finally, On how to promote the financial institutions of the patent pledge loan risk effective management, put forward three countermeasures suggestion.Compared with existing studies, this paper make a few innovations:Firstly, we determine the weight of each level index weight and level indicators corresponding secondary evaluation under the combined analysis of the relative weight of the Delphi method and AHP, and experts determine the consistency of the results for the test, only the weight of Delphi method to get more scientific than before; Secondly, we specific to the secondary fuzzy comprehensive evaluation theory of fuzzy mathematics theory when constructing evaluation model, with two empirical cases to demonstrate; Thirdly, In view of the risk assessment model to build, on how to improve financial institutions for the assessment of the risks of the patent pledge loan ability put forward corresponding countermeasures and Suggestions.