Research On Risk Management Of Intellectual Property Mortgage Credit In QS Bank

With the development of high-tech industry and scientific and technological innovation,intellectual property has gradually become the core competitiveness of enterprises.Now in the capital market,it has also become an effective mortgage asset to apply for loans from banks.For commercial banks,if we make good use of this new loan method,it will help to reduce the idle funds of banks,improve the efficiency of capital utilization,and inject fresh vitality into innovative enterprises.However,at present,the popularization rate of intellectual property mortgage credit in commercial banks is not high.The main reason is that there are many uncertainties and higher financial risks in intellectual property loans.Therefore,how to minimize the risk probability of intellectual property mortgage loan,and then enhance the enthusiasm of commercial banks for intellectual property mortgage credit is very important for the development of intellectual property mortgage loan business of commercial banks.In this paper,QS bank as the research object,through the theory and empirical analysis of intellectual property mortgage risk management,in-depth study of intellectual property mortgage credit risk,and put forward the corresponding countermeasures to deal with the risk.Through the analysis of the current situation of intellectual property mortgage credit of QS bank,this paper mainly introduces the basic situation of QS and the development status of intellectual property loan,and then focuses on the process of intellectual property mortgage risk management and the main risks faced by QS bank.Based on the analysis of the current situation,this paper constructs the WBS-RBS risk identification model of QS bank’s intellectual property mortgage credit business,identifies the risks of QS bank’s pre loan review,in loan management and post loan tracking,and matches and evaluates the potential risks.Based on the construction of risk identification,this paper uses AHP to measure and evaluate the risk,evaluates the current risk degree of QS bank risk management,and analyzes the potential problems of the risk degree,and finds many deficiencies in its internal and external environment.On the basis of risk identification and evaluation,this paper puts forward the risk management countermeasures of QS bank’s intellectual property mortgage credit business,mainly puts forward countermeasures such as improving the risk management framework,improving the business ability of employees,strengthening the management of intellectual property loan business,establishing a third-party collaborative evaluation mechanism,and strengthening the research on government policies,so as to help improve the intellectual property mortgage credit of QS bank Business risk control level.