Research On The "Invisible Assets Enterprise" Financing From Commercial Bank

With the development of knowledge economy and information technology of the day, the immaterial capital such as the core technology, human capital etc. have already became important factors which cannot be neglected in the process of enterprise sustainable development. Those enterprises are developing and expanding constantly that making profits by using the above intangible resources, and making a great contribution to light-type for the national economic development. However, financing difficulty has been one of the most important obstructive factor for the developing of enterprises all long and blocked its continuous operation. Commercial bank financing is the most directly and important method to solve the funds difficulty. At present, many domestic and overseas scholars are doing researches on this enterprise financing problems and getting achievements a lot, but no depth study specialized in enterprise for commercial bank financing and business financing on the concrete of "invisible assets".According to rationing theory of enterprise credit, financing theory of enterprise connection, the theory of financing periodic growth and signal transitive model, it makes a summary of the causes and regularity of financing difficulty by doing the research on growth process of an enterprise and all the stages within its growth cycle. Taking the main line on both the present financing situation of stages of bank and enterprise, and the solution of information asymmetry in the process relying on each other, it also analyzes the impact on enterprise financing of internal cause, external cause, interaction and regularities.It defines "invisible assets" and enterprise of "invisible assets" on the base of theoretical analysis, then makes a summarization the contents which belongs to "invisible assets". Starting with above contents, it makes a research of this kind of invisible resources impact on enterprise value. At last, giving the methods and measures to obtain financing from the commercial bank so that can solve the financing difficult for this type of enterprise.