Research On Risk Management Of Patent Pledged Financing Based On Bank Credit Decision-making

Promoting patent pledge financing vigorously contribute to broaden the financing channels for SMEs and is responsible for innovating modern financial development models.After years of development,the transaction volume of China's patent pledge financing has reached a certain scale,but still cannot meet the growing financing demand of SMEs.Although the government has continuously introduced supporting policies,the high risk of patent pledge financing makes banks cautious,and it is difficult for SMEs to realize real patent pledge financing with their technical resources.As a provider of loan funds,banks should be the breakthrough point to resolve the plight of patent pledge financing.It is of great significance to study the risk management of patent pledge financing from the perspective of bank credit decision-making.From the perspective of banks,the influencing factors of patent pledge financing risk management include two aspects: First,the patent's own credit risk,including legal risk,technical risk and economic risk;Second,the interested parties credit risk,Including the bank's decision-making risk,the operating and moral hazard of the financing enterprise,the intermediaries credit risk and the government policy credit risk.Based on this,using the combination of AHP and FCE,the paper establishes a patent pledge financing risk management index system based on bank credit decision,sorts the impact indicators,and obtains the importance degree of each influencing factor for bank decision-making.,in order to provide reference for risk management and control.In response to the importance of different indicators of patent pledge financing,a series of recommendations are made to the bank's credit decision-making: Realizing the docking of patent value evaluation and patent credit evaluation,establishing a patent credit evaluation risk control mechanism,diversifying government support methods,and forming a benign bank-enterprise game relationship.