The Research On Risk Control Of The Intellectual Property Pledge Loan In Chongqing

With the further development of reform and opening up, China has made great progress of science and technology, innovation continuous improvement, science and technology enterprises as the main force of creation and application of intellectual property in China play an important role in the economic society. However, the outcome of many intellectual property companies due to lack of funds to patent the results, which constraints the further development of the industrialization of scientific and technological enterprises and the way of the existing physical assets hinders the development of SMEs which are lacking of financing. "Long-term Scientific and Technological Development (2006-2020)"and its supporting policies proposed that the financial institutions should carry out various forms of financing, and develop IP pledge loan funds to meet the needs of science and technology enterprises in ChinaIn recent years, some regions in China have developed intellectual property mortgage loan business, and formed their own unique mode of security for loans. And Chongqing IP pledges loan business, but the time still relatively short, collateral loan financing is not mature. Although the Chongqing municipal government and commercial banks in the intellectual property rights relating to secured loans have made some explores and tempts, due to its unique characteristics of intellectual property rights, and intellectual property is difficult to accurately estimate the value, the fast technological upgrading of science and technology Enterprises at greater risk of intellectual property security for loans, banks are very careful to carry out the business, therefore, intellectual property security for loans had played a little effect on SME financing in Chongqing .This thesis is about the intellectual property mortgage loans in Chongqing to study risk control. Through the comparative study between domestic and international intellectual property status and secured loans secured loans Chongqing Municipal Intellectual Property, we summed up in Chongqing IP pledge loan business presence Problems and gaps, and the Bank of IP pledge loan business risk of the whole process of fuzzy mathematical models and empirical analysis of the methods of analysis, and focus on risk control issues to do analysis, which gives operable pledge Credit risk control recommendations, and strive for the IP pledge loan facility in Chongqing Development and application of theoretical support and decision making, open up the financing channels for the scientific and technological enterprises, science and technology to build a bridge between the business and financial.