Study On Risk Management Related To Patent Pledge Financing Project Of A Waterproof Material Company In Guangxi

Intellectual Property Pledge Financing is a new financing mode that the enterprise can obtain loan from bank by pledging its intellectual property, as opens up a new channel for the small and medium-sized enterprises to relieve pressure of fund-raising. However, due to the fact that intellectual property is invisible, difficult to assess its real value with the problem of instability, most banks are reluctant to allow credit for them for the high risks, which makes it difficult in business practice, chances are not big for enterprise to get a loan, and even if the credit is allowed, the loan amount granted is small. In the mean time, the enterprise, being owners of the intellectual property, are facing problems of incomplete legislation environment, inaccessibility to objective evaluation and difficulties in cashing the property. As key to the prevention and control of risk for the intellectual property pledge financing, study on its risk management has important practical significance.The author carried out a study on the first successful intellectual property pledge financing case applied by a waterproof material company in Guangxi province. Applying methods of project risks analysis and management theory, the author identified project risk. Using the risk assessment tool, the author graded the risk. Combining with innovation management of the enterprise, the author put forward counter measures for risk prevention, as provided enterprises an example for reference as well as laid a foundation for risk prevention and control of intellectual property credit for the bank. At the same time, to the start-up intellectual property pledging financing business, the author also gave suggestions on risk prevention and control of intellectual property pledge financing from viewpoints of both government sectors and banks.