Business Analysis Of Intellectual Property Mortgage Loans In Commercial Banks

The intellectual mortgage loans of commercial bank in recent years began to developed gradually,the size of the loans in continuous improvement,social attention has also been strengthened,both the government and banks or enterprise are vigorously promote the development of intellectual property mortgage loans.But at the same time,due to the loan of intellectual property in China still in the initial stage,the risk of commercial banks who carry out intellectual property mortgage loans are increasing.The way to effectively control the risk of intellectual property mortgage loan is very important.This paper mainly takes A enterprise as an example,through the data analysis and comparison analysis methods for commercial banks who carry out intellectual property loans for risk analysis.It is concluded that the prospect of the industry is favourable,the policy direction is clear and the operating condition of the enterprise is good.In addition,there are also part of revenue decline,the shortage of experience,faultiness about laws and regulations and the imperfection market.Finally,based the above analysis,put forward methods about banks who carry out intellectual property rights pledge loan business.Commercial banks in the process of this business,in addition to determine the appropriate rate of pledge and strict monitoring,should also strength the research of policy and select professional assessment agencies to determine the value of intellectual property rights.