Research On Optimization Of Financing Mode Of Trademark Pledge For Small And Medium-sized Enterprise

At present,small and medium-sized enterprises play an important role in the development of national economy,but their financing environment is not optimistic.Due to their unique characteristics of "asset-light,high-risk",financial institutions are biased against their loans and highly cautious,and financing difficulties have been an important factor restricting their development for a long time.In recent years,under the active leadership of the government,preferential policies and encouragement,trademark pledge financing has made further development.This new financing model provides a new financing channel for small and medium-sized enterprises to expand their development.However,due to differences in economic development,financial market maturity and government policies,different financing models of trademark pledge have been developed.Based on the above background,this paper can be divided into three parts:First of all,the article on the important position of small and medium-sized enterprises in the national economy are introduced,its in promoting economic development,promoting employment and contribution to the GDP plays an important role,but has faced with financing difficulties,financing your situation,how to break the situation is critical,based on this,this paper expounds the feasibility of trademark as the pledge for financing.Then,the paper analyzes the status quo of trademark pledge at home and abroad,and introduces the significance,purpose,research methods and content of the study,as well as the related concepts and theoretical basis.Secondly,the paper focuses on analyzing the main models of trademark right pledge at home and abroad,among which the basic models include the financing model in which the debtor directly pledges the trademark right,the debtor indirectly pledges the trademark right,and the debtor entrusts a third party to directly pledge the trademark right.However,due to the inconsistent development of market economy in different parts of the country,the government's policies are different,and the risk bearing capacity of financial institutions is different when conducting business,mainly forming the Beijing model,Shanghai model,Xiangtan model and other models.This paper focuses on the analysis of the main operating procedures of Beijing model and Shanghai model,and briefly describes the common problems and common problems of the three models.Meanwhile,it also studies the mature models of trademark pledge financing in foreign countries.This paper analyzes the successful case of Lu Yin world sports industry co.LTD.,which obtained a bank credit loan of 90 million yuan by means of real estate mortgage + patent pledge + trademark right pledge + personal joint and several liability guarantee,and specifically analyzes the financing process,financing mode,advantages and problems of the financing mode of trademark right pledge.Finally,the paper puts forward some suggestions on optimizing the financing mode of trademark pledge.First of all,this paper expounds the principles that should be adhered to when optimizing trademark pledge,and holds that the three principles must be adhered to: market-centered,fairness,fairness and openness,and matching of returns and risks.Secondly,the ecological construction scheme of trademark financing mode is proposed.China should start to establish a sound evaluation system of trademark value.The government should change the role in the specific operation of trademark pledge financing,introduce the Internet technology platform,and create a trademark disposal platform.This paper analyzes the specific cases of small and medium-sized enterprises' use of trademark pledge financing,puts forward the optimization scheme of trademark pledge financing mode,promotes the development of small and medium-sized enterprises' trademark pledge financing,and,with the support,encouragement and promotion of policies,breaks the financing difficulty and expensive situation of small and medium-sized enterprises.