Study On The SMEs Intellectual Property Pledge Financing Risk Sharing Mechanism

Chinese small and medium-sized enterprises are generally facing the bottleneck of financial difficulties.For small and medium-sized enterprises with a certain amount of intellectual property inventory,intellectual property pledge financing is a good choice to solve the fund problem.However,intellectual property pledge financing has greater risk for small and medium-sized enterprises and banks.It is of great significance to analyze the risk types of intellectual property pledge financing in small and medium-sized enterprises,analyze the existing problems of the existing risk sharing,and put forward the corresponding countermeasures.For small and medium-sized enterprises,the main participants in the risk sharing of intellectual property pledge financing include loan enterprises,banks,guarantee institutions,insurance institutions,evaluation institutions,law firms and so on.The existing risk sharing patterns include:(credit)guarantee,intellectual property pledge financing guarantee insurance,risk compensation fund,guarantee the asset purchase price,combined guarantee,intellectual property pledge material replacement.There are some problems of the risk sharing mechanism of intellectual property pledge financing in Chinese small and medium-sized enterprise as follows:small and medium-sized enterprise intellectual property pledge financing risk assessment and risk management mechanism is not sound,the risk compensation policy is imperfect,the risk guarantee mechanism is lack of systematicness,the risk insurance sharing mechanism is not perfect.Learning from the experience of the United States and Japan,this paper puts forward some suggestions to improve the current risk sharing mechanism,and puts forward some suggestions from the following aspects:perfecting the risk assessment and risk management mechanism,establishing risk assessment standards,improving the professional level of assessing institutions;improving the policy of risk compensation;and perfecting the risk guarantee mechanism perspective,improving guarantee organization workflow,improving the quality of guarantee institutions personnel;improving the risk insurance sharing mechanism,strengthening the development of intellectual property insurance categories;increasing publicity efforts and enhance enterprise risk insurance sharing consciousness;improving the professionalization level of intellectual property insurance related employees;establishing a comprehensive service platform for intellectual property.In order to promote the development of intellectual property mortgage financing for small and medium-sized enterprises in China,the parties involved in the financing can reasonably and effectively share the risks in the process of intellectual property mortgage financing by synthesizing all kinds of risk sharing methods.