The Study On Risk Warning And Measures Of Intellectual Property Pledge Loan For H Bank

With the progress of science and technology and rapid economic development, small and medium-sized enterprises in our country presents the good development momentum. At the same time, the small and medium-sized enterprises also need financial support. The plight of difficult to obtain bank loan is that they are a lack of movable and immovable property mortgage. For small and medium-sized enterprises, the only way out is to use its own intellectual property rights as collateral to obtain bank financing. Therefore, in order to support this kind of new type of loan business, and to support small and medium-sized enterprises’development, the Chinese government has been promoting related policies and measures since 2008. You can imagine that in the face of such intangible new pledge loan business, because of a lack of practical experience and ineffective identify, risk control and careful attitude, very few banks voluntarily to receive such a business, or instead of snatching traditional tangible assets loan business. After all, real estate is limited, the bank still will have a bottleneck. If sticking to maintain the traditional ideas, the expansion of the banking business is very unhappy. When the bank can’t keep up with the needs of society, it will not only affects the innovation and development of the small and medium-sized enterprises, but also hindered the social and economic progress.So, how to make the commercial bank is willing to accept this new kind of business of intellectual property rights pledge loan is the most important thing. In the face of this question, we will make some research on the early warning and prevention on intellectual property rights pledge loan, especially for risk identification, risk warning and risk prevention. In Chapter One, I’ll introduce the research background, significance, purpose of pledge of intellectual property rights, methods and innovations. In Chapter Two, firstly I’ll introduce several basic theory about the pledge of intellectual property rights, including the limitation theory, expected income theory, etc.; Secondly, I’ll introduce the main methods of early warning on the intellectual property rights pledge loan. In Chapter Tree, I’ll list and analyze the influence factors of intellectual property rights pledge loan risk in commercial bank system according to the basic theories. In Chapter Four, based on the comprehensive analysis, consideration and Analytic Hierarchy Process (AHP), I’ll identify and maintain the useful factors so that we can create a further construction of early warning and measures of intellectual property rights pledge loan in the next chapter. In Chapter Five, I will test the model with H bank and put forward related comments and suggestions. In Chapter Six, I’ll give a conclusion and prospect.