Research On Financing Decision Optimization Of Am Technology Company Based On Intellectual Property Credit Loan

The report of the Nineteenth National Congress of the Communist Party of China pointed out that it is necessary to establish a company-based and market-oriented technological innovation system.Technological innovation is inseparable from the support of funds,especially for technology companies.Compared with heavy asset companies with large amounts of capital,technology-based companies have many intellectual property and other resources,which occupy less capital,and are light and flexible.However,for a long time,these technology-based companies have difficulty in raising funds through traditional methods due to the lack of heavy assets for mortgage,while the risk of raising funds through intellectual property pledge financing is very high for banks so that the amount of funds that can be obtained through pledge financing is also very small.Therefore,the problems of difficult financing and expensive financing have always hindered the development of China's technology-based companies.How to find a suitable way to solve the financing problem of China's technology-based companies is the key at present.Facing the situation of many technology-based companies with a large number of intellectual property rights,can we further optimize their financing methods on "intellectual property rights" ? Some provinces and cities,such as CQ City,have pioneered a new financing method,namely credit loans of knowledge value.This kind of loan method firstly systematically evaluates the credit rating and amount of the company's knowledge value;then the bank provide credit loans based on the assessed level and amount,which does not require fixed assets such as houses and equipment as collateral,and has the characteristics of light capitalization,credit,and convenience.However,considering that this financing method is still in the initial stage of implementation,it is inevitable that there will be problems such as difficulty in tacit cooperation between all parties involved in financing,imperfect credit evaluation,and non-repayment at maturity in some technology-based companies.To solve the problems of difficult financing and expensive financing of China's technology-based companies,this article do that research.First,this article sorts out and summarizes the relevant research results on technology-based companies' financing issues.Second,based on the background of AM technology companies,by analyzing the basic situation of AM technology companies and the current financing situation to find out the current financing problems,this article comprehensively analyze the problem from thecombination of internal constraints and external constraints of the company.Third,this article attempts to design a framework for intellectual property credit loans,and based on the perspective of AM Technology Company,elaborated on its own responsibilities,how to cooperate with fund trust management institutions,financial institutions,credit assessment agencies,etc.At the end,specific suggestions,which are given on how AM technology companies can make own responsibility positioning and cooperate with other interested parties,are as follows.Point 1,to create a good financing environment internally that can be helpful in credit loans;Point 2,to make reasonable use of financial institutions and government assistance that can be helpful in helping finance proposals to land.This article has opened the door of intellectual property financing for AM Technology Company,allowing it to exchange “real money” with its own intellectual property,reduce financing costs,and effectively alleviate financing difficulties and expensive financing issues.At the same time,this article also provides some reference suggestions for the financing of other technology companies.