Research On Risk Management Of Patent Pledged Loans In China

Since the promulgation of the "Guarantee Law of the People's Republic of China" in 1995 stipulated that trademark exclusive rights and patent rights can be pledged according to law,and in 1996,the "Interim Measures for the Registration and Administration of Patent Pledge Contracts" was issued.Gradually develop.It has expanded the scope of asset business of commercial banks and increased the income of the asset business of banks.At the same time,it has been difficult to find a new financing channel and method for corporate financing.It has been generally recognized by all parties in the society and is playing an increasingly important role in financing.effect.However,the patent pledge loan business has certain risks,and the existence of risks restricts the development of the business.Therefore,what are the risks,specific performance,incentives,and precautions of patent pledge loans are worthy of our in-depth study.This paper adopts research methods such as literature collection method,comparative analysis method,questionnaire survey method,and factor analysis method.It mainly focuses on the following aspects to study the risk management of patent pledge loans in China.The first is an overview of the relevant basic theory of patent pledge loans;the second is the shape of patent loans in China;the third is the risk identification and cause analysis of patent loans;the fourth is the risk measurement and empirical analysis of patent loans;Propose countermeasures for prevention analysis.This paper focuses on the qualitative and quantitative analysis of the risks of patent pledge loans from the four aspects of macro factors,factors ofcommercial banks,factors of the pledge of patent rights itself,and factors of borrowing companies.In terms of quantitative analysis,the risks of patent pledge loans were quantified from questionnaire surveys from different groups including enterprises,banks,experts and scholars.Finally,according to the proposed risk factors,corresponding suggestions are made from four perspectives: how to deal with the risk of patent pledge prevention,from commercial banks,enterprises,governments,and intermediary agencies.Through the above research,its main purpose is to reduce the business risk for commercial banks operating patent pledge loans,and to provide a certain theoretical reference for the government and relevant regulatory agencies to formulate relevant legislation and management regulations.At the same time,it also provides certain theoretical and practical references for credit risk management of borrowing companies,evaluation agencies and other entities.