Research On Patent Pledge Financing For Micro, Small And Medium Enterprises Of Science And Technology

Economic benefits created by micro, small and medium enterprises has an important effect on the development of economy in our country, but financing difficulty is one of the important bottleneck of micro, small and medium enterprises'long-term development. In tradition, to avoid risks, banks and other financial institutions chose enterprises with certain economic strength. If the small and medium enterprises want to get loans, they must provide some valuable things for pledge. In 1995, The "security law" regulates that intangible assets can be acted as the pledge for financing, intellectual property pledge financing has mature development in foreign countries. The domestic number of patent application and authorization increased rapidly since 1996, many science and technology enterprises have a large number of patent technology, but have no money to make them industrialization. The emergence of a new financing model brought hope to the development of science and technology enterprises. Domestic patent pledge financing started in economically developed regions such as north wide, by 2014, most of the provincial capital cities in China has involved in the field, and spread to the county town area.Empirical research has been done through studying the patent pledge financing theory, and using the patent pledge financing contract information collected from the State Intellectual Property Office website, and relevant data got from the National Statistics Bureau website. First of all, the science and technology enterprises' patent pledge financing present situation in our country has been carries on the discussion from latitude, those are legal provisions, pledgee, pledgor, patent pledge financing amount, financing contract and patent number. From 2008 to 2014, China's patent pledge financing got fast development, the relevant laws and regulations increasingly perfect, to create a good legal environment for the patent pledge financing. With the support of government policy, participate in the patent pledge loan the pledgee in addition to the bank, a lot of other financial institutions also ventured into the field, in order to support the development of the patent pledge financing, domestic more established financial institutions of science and technology, dedicated to solve the problem of patent pledge financing, make our country patent pledge financing more professional. Region, the development of the patent pledge financing mainly developed cities development is good, but the other small and medium-sized cities gradually popularization, into town. The amount of financing for sure has been the key points and difficulties in the patent pledge financing, as a whole, financing amount larger enterprises generally belongs to the economical more developed city, financing amount increasing year by year. Empirical study mainly uses principal component analysis and regression analysis to explore the pledge of patent value, enterprise information, environment influence on the amount of financing, through the principal component scores compared with patent pledge financing amount of sample data, analysis the reasons of the differences, clear and the trend of the development of China's patent pledge financing and need to improve.