The Research Of Intellectual Property Pledge Loan Risk Assessment For Commercial Bank In China

With the development of small and medium-sized enterprises, they are increasingly facing financing requirement. It is a big chance for the bank in China. By the limitations of themselves, small and medium-sized enterprises' assets are usually in small scale, so they do not have the appropriate tangible assets available for a mortgage or guarantee to get commercial bank loans. Therefore, the intellectual property pledge loan has becoming a way for commercial Banks to cope with the financing needs of small and medium enterprises. However, scope of the intellectual property pledge loan business is very small in commercial banks in China. The reason exists in the loan risk in the intellectual property pledge loan and the risk is difficult to assess. Researching the assessment of intellectual property pledge loan risk for the commercial banks is very important for the promotion of the intellectual property pledge loan in the commercial bank.This article begins with the loan risks related theory, then points out that the core content of the assessment of mortgage loan risk is the evaluation of pledge assets value, Based on this premise, the evaluation of intellectual property value is also the core of the assessment of intellectual property pledge loan risk. To be an accurate and comprehensive measurement, the value of intellectual property should be determined by intellectual property pledge loan value as the foundationTo evaluate the intellectual property value, there are three basic intellectual property value evaluation methods but they are not able to evaluate the factors influencing intellectual property value comprehensively. By the theory of intellectual capital system evaluation method, the effect of the non-monetary factors in intellectual property can be assessed accurately. So according to the principle of system evaluation method pledge risk coefficient method is put forward. Using pledge risk coefficient method can evaluate intellectual property factor, the enterprise factor, market factors' influence on intellectual property, so that the intellectual property pledge loan value can be determinedIn order to obtain the relevant information, a commercial questionnaire investigation oriented to bank employees is done. Through the investigation it verified the view mentioned before, and provided reference for the application of the pledge risk coefficient method. In the case analysis, this thesis taking T Company as an example, evaluates the intellectual property pledge loan value by pledge risk coefficient method, and summarizes the application results.This thesis's innovation points lie in two aspects:on one hand, combining the characteristics of intellectual property with mortgage loan risk assessment. On the other hand, putting forward pledge risk coefficient method under the intellectual capital value evaluation method to evaluate intellectual property pledge loan value.Finally, on the basis of analysis, this thesis puts forward some suggestions on the evaluation methods for intellectual property for improvement. Meanwhile, some other preventive measures for decreasing loan risk in commercial banks are also brought out.