The Study On Risk-warning Of Patent Pledge Loan For Commercial Bank

As an innovative financing way, patent pledge can help scientific andtechnological enterprises converse technology into development fund, which can helpsolve the bottleneck problem of fund. The government pay high attention to patentpledge loan, and the central and local government carry out guidance according toactual situations in succession, which can help scientific and technological enterprisestake advantages of their technology. However, as the main participants of thisbusiness, the commercial banks are not very interested and act very carefully becauseit can’t evaluate and control the high-risk brought by patent ledge loan. Bank’selimination is harmful for enterprises to relieve the problem of shortage of fund, aswell as developing new business and occupying new market share for commercialbanks. One of the most important ways to improve the interests of commercial banksto take part in patent pledge loan is, building complete system of warning commercialbanks’patent pledge loan high-risk, which can evaluate and control high-risk.To control the high-risk of patent pledge loan effectively, this paper try to build asystem of warning commercial banks’ patent pledge loan high-risk. Risk-warningresearch includes risk identification and risk assessment and this article elaboratedmainly from four aspects. First of all, based on the asymmetry information theory andrisk asset management theory (especially multi-causal theory), this paper analyzepatent pledge loan risk points from multiple aspects, and make sure how four factors(including enterprises, commercial banks, patent and macro environment) influencepatent pledge loan high-risk. Then establish patent pledge loan risk forewarning indexsystem. Secondly, adopting principal component analysis to judge the risk state of the180case which get patent pledge loan, and the rule of3is used to determine thestandard of warning degree, then according to value at risk determine cases’ riskdegree. Thirdly, a warning-system of patent pledge loan risk based on BP neuralnetwork model is developed and put into training and testing. In training and testing,this paper choose130cases from180cases as training samples, and other50cases as testing samples, and the results show that it is feasible to realize the forewarn for therisk of the business of patent pledge loans of the commercial banks, and thecorrectness rate of the forewarn is higher than96%. Most importantly, when itcomes to reducing the risk of commercial bank patent pledge loan, the article willbegin from the exiting problems, taking commercial banks, enterprises which ownpatents, the government and other aspects for different angles, and point out whatthey need to do next.