The Study On Risk Identification And Control Of Patent Pledge Loan For Commercial Bank

Patent pledge loan is an innovation for financial derivative product.It has expanded a new asset allocation business for banks and other financial institutions,and broadened the financing channels for small and medium-sized science and technology enterprises.However,research shows that commercial banks is not enthusiastic about to carry out patent lending business,the reason for this phenomenon occurs because the risk of the loan business is high and difficult to quantify.One of the most important approaches is to establish a scientific risk assessment model to evaluate the risk level of the patent pledge loan business,and to propose a more effective way to improve the commercial banks’ patent pledge loan intention and promote the further risk control measures for the business loan.This paper,from the perspective of commercial banks,combines the status quo of the development of the franchise loan business in China,initially established the three primary indicators of the risk of patent pledge loans: macroscopic factors,patent factors and enterprises factors,The risk index system of commercial bank patent pledge loan is established.The risk situation of the patented loan project was evaluated by using the "3δ" method,the BP neural network method and the fuzzy comprehensive evaluation method based on the entropy weight.In this paper,typical enterprises is chosen as an evaluation sample.Based on the characteristics of the patent pledge loan and the present development status of the business,the empirical analysis of the risk assessment of the sample corporate patent pledge loan is carried out.The results of the three methods are basically the same,and It is proved that the research method of this paper is an effective exploration of the risk assessment of patent pledge loan with high uncertainty,which can provide a reference for commercial bank loan decision.From the perspective of the practice of the patent pledge loan in our country,there are still some problems such as insufficient coverage,unbalanced regional development,low willingness to loan of financial institutions,etc.In order to promote the development of the patent pledge business and solve the above-mentioned constraints,some suggestions are put forward from four aspects: commercial banks,companies,government agencies and intermediaries.