Research On Guarantee Risk Evaluation In Patent Pledge Financin

In recent years,China has continued to improve the policy mechanism of financial support for scientific and technological innovation,and patent pledge financing can fully mobilize the financial value of intellectual property rights,enhance the financial support and financing scale for scientific and technological small and medium-sized enterprises,and promote the strategic goal of innovation-driven development.Unlike traditional real estate mortgage loans,patent pledges have greater potential risks and banks,and other financial institutions have more stringent credit access conditions,so the development of patent pledge financing business is not optimistic.In contrast,financing guarantee institutions have the unique advantage of credit enhancement,and through risk sharing,they can effectively enhance the financing service capacity of science and technology-based small and medium-sized enterprises and help the development of the real economy.However,China’s patent pledge financing business system is not yet mature,and the system specification needs to be further improved,so the evaluation study on the risk of patent pledge financing guarantee is particularly important.This paper takes the risk approval path of A financing guarantee company as the context,combines the current situation of the company’s risk management and the current evaluation standards,studies and analyzes the risk points in the process of patent pledge financing business,constructs a patent pledge financing risk evaluation index system,and uses the VIKOR method to incorporate the decision maker’s utility preference,builds a complete patent pledge financing guarantee risk model,and finally,through Finally,the analysis of this guarantee risk evaluation system in practice is completed by case study.The actual example proves that the established risk evaluation system is scientific and feasible,which can effectively help other financing guarantee companies to improve their risk identification and control ability and provide theoretical support and methodological strategies to reduce the systematic risk of patent pledge financing.At the same time,by putting forward optimization suggestions on the internal risk management of financing guarantee companies,it is conducive to more comprehensive response to the risk of patent pledge financing guarantee,avoiding potential risk influencing factors and improving the comprehensive ability of risk management of financing guarantee companies.Actively exploring the concept and practice of patent pledge financing guarantee can better promote the development of patent pledge financing business and maintain the stable operation of social economy,which is of great significance to the development of innovative science and technology,supporting the stable growth of small and medium-sized enterprises and the sustainable development of financial institutions.