The Study On Risk-warning Of Intellectual Property Pledge Loan For Commercial Bank

With the rapid development of the knowledge-based economy, Intellectual property pledge loan explores a new way of technological achievements capitalization and financing channel exploration. Since2008, the government has carried out all kinds of guidance to promote this business and supported high-tech enterprises to use intellectual property rights to obtain funds. However, as the protagonist of this business, the commercial banks acted carefully for it cannot control the high-risk brought by intellectual property. It is not only benefit for commercial banks to adjustment the original structure of the guarantee reasonably, but also for the capital appreciation of intellectual property rights on the entire market. What is more, it can produce some negative effects of technological innovation.How to reasonably predict the risk of intellectual property pledge loans? This article will expand research on risk-warning of intellectual property pledge loans for this thorny issue faced by commercial banks. Generally speaking, risk-warning research includes risk identification and risk assessment. This article elaborated mainly from four aspects. Firstly, the risk theories of intellectual property pledge loan mainly include limited theory, the new economic growth theory, incomplete contract theory, expected income theory and asymmetry information theory. These five theories provide a theoretical support for risk causes from different angles. Secondly, the influencing factors of intellectual property pledge loans risk are recognized from the macrocosm and the microcosm, and risk forewarning index system including accessing indicators and determine indicators, is established. The research shows that the high risk is derived from the intangibleness and uniqueness of intellectual property itself, meanwhile, the legal attribute of intellectual property will make the commercial banking suffer the irreversible loss. Thirdly, through contrast of original model with the BP (Back Propagation) neural network model, we could easily find that the BP neural network model possesses great adaptability, self learning ability, fault tolerance and non-linear that can be used to evaluate the risk of the business of intellectual property pledge loans. The last, in this paper, principal component analysis is adopt to judge the risk state of the intellectual property, and the rule of "3a" is used to determine the standard of warning degree. A three-layer BP neural network model for training and testing the data of the listed company based on LM algorithm is developed, and the results show that it is feasible to realize the forewarn for the risk of the business of intellectual property pledge loans of the commercial banking, and the correctness rate of the forewarn is higher than95%.