Research On Risk Prevention Of Intellectual Property Pledge Financing For Technological SMEs

Technological SMEs carry the important mission of technological innovation,and their potential for development has gradually emerged.In recent years,with the rapid development of science and technology finance,the problems of enterprise financing and expensive financing have become increasingly prominent.Many small and medium-sized enterprises cannot use traditional financing methods to obtain loans from banks and other financial institutions.The main reason is that due to their small tangible assets,they lack financing guarantee collateral.Traditional financing methods cannot satisfy the choice of technology-based SMEs.As a result,companies have begun to broaden their financing channels that are more suitable for themselves,and have turned their attention to intellectual property such as trademarks and patents.Intellectual property pledge financing is a new type of financing model for technology-based enterprises with intellectual property rights.It provides a new financing route for technology-based companies,which helps to quickly resolve the difficulties of enterprises and promote their healthy development.The main reason constraining the development of intellectual property pledge financing is that the value of intellectual property cannot be accurately assessed,which in turn leads banks and other financial institutions to assume greater credit risk.However,in the short term,the true value of the pledged intellectual property cannot be determined through the solution to the evaluation of the value of intellectual property rights.If an open and mature market transaction cannot be used to achieve rapid realisation of intellectual property rights,it can only be achieved through the establishment of effective intellectual property pledged financing risks.Prevention mechanism to promote the effective and healthy development of this business.The purpose of this study is to establish a relatively scientifically sound index system for the influencing factors of intellectual property rights financing risk for small and medium-sized enterprises,and to improve the mechanism for the prevention of intellectual property pledged financing risks,so as to improve the gap in the management of intellectual property pledged financing risks,and to resolve the technological The problem of financing difficulties for enterprises has enabled moreSMEs with IP rights to benefit from them.In order to solve this key problem,this paper combines the theoretical basis and literature research at home and abroad,with the actual situation,combined with field interviews,case studies,and expert opinions,sorts out the financing risks and its influencing factors of intellectual property rights for SMEs,and uses principal component analysis to construct This model includes 26 indicators and five main components of the scientific and technological SMEs IP pledge financing risk factors model.Through the above-mentioned research results,the government,banks,scientific and technological small and medium-sized enterprises,scientific and technological consortiums,evaluations have been designed from the perspective of national governments,enterprises,banks,and intermediaries to evaluate the mechanisms of guarantee integration,policy insurance,and counter-guarantee mechanisms.Guarantee institutions,law firms,etc.as the main linkage platform;proposed the establishment of scientific and technical expert database and dynamic data management library,supporting a unified national intellectual property trading platform,and strictly regulated the IP pledge process and other services,and initially explored the risk of IP pledge financing.Prevention mechanisms and corresponding countermeasures in order to control the risk of financing and achieve a multiplier effect.