Rational Analysis Of Intellectual Property Right Pledge Within Agricultural Science And Technology Enterprises

At present, most of the agricultural science and technology enterprises due to the limitation of its own industry characteristics and asset size, it is difficult to get loans from commercial Banks to support, for commercial Banks to them is a high-risk group, but the agricultural science and technology enterprise has the unique advantage of intellectual property rights, and also is an important content, its core competitiveness, therefore, for agricultural science and technology enterprises, explore the development of intellectual property rights pledge loan path can not only to a certain extent, can reduce corporate financing difficult problem, but also to broaden the scope of business of commercial Banks, is advantageous to the bank and the win-win development of the enterprise. How to make the agricultural science and technology enterprises intellectual property rights from intangible assets into capital, promoting the rapid development of the enterprise is a major problem demanding prompt study in its, and the solution to this problem lies in a reasonable estimate of the risk and puts forward effective intellectual property rights pledge loan financing model. Therefore, this article focus on intellectual property rights pledge loan risk measurement and intellectual property rights pledge loan financing model, development of agricultural science and technology enterprise intellectual property pledge financing path has carried on the preliminary exploration.This article adopts the method of combining qualitative analysis and quantitative analysis, analyzed the present situation of agricultural science and technology enterprise financing and commercial Banks as the leading financial support the plight of the development of agricultural science and technology enterprises, and analyzes the cause of agricultural science and technology enterprise intellectual property pledge loan difficult; And then through the agricultural science and technology enterprise intellectual property pledge loan risk of several measurement methods of comparative analysis, combined with xi ’an new grass industry co., LTD., intellectual property rights pledge loan case, using single credit risk measurement method, the intellectual property rights pledge loan of expected loss and unexpected loss quantitative analysis; Puts forward two modes of the intellectual property rights pledge loan financing, is a single intellectual property pledge financing mode, another is the core of intellectual property rights pledge assets bundled portfolio financing mode; Finally put forward the corresponding policy recommendations, that is, the government should be committed to market credit environment and the intellectual property rights trading platform construction, improve the industry laws and regulations to prevent intellectual property legal risk; Agricultural science and technology enterprises should increase their own strength, improve risk consciousness; Commercial Banks should pay attention to solve the problem of asymmetric information, improve the regulatory system of intellectual property rights pledge loan business and internal control system; Insurance institutions shall, in the work of intellectual property rights pledge loan risks to provide insurance support, in order to promote the rapid development of agricultural science and technology enterprise intellectual property pledge financing.