Research On The Value Evaluation Of Intellectual Property Pledge From The Perspective Of Post Loan Management

As we all know,the vigorous development of science and technology and the orderly advancement of global integration accelerate the rise of knowledge economy,and intellectual property has increasingly become an important "weapon" for all countries to develop their economy and enhance their comprehensive national strength.The attention of all walks of life for intellectual property has increased obviously.How to transform intellectual property from "knowledge base" to "capital" has aroused heated discussion.It is also the arrival of the era of knowledge economy,which makes the innovation development and industrial upgrading of small and medium-sized enterprises of science and technology innovation constantly speed up,and the role of small and medium-sized enterprises in promoting economic development is more and more significant,and the status of intellectual property in small and medium-sized enterprises of science and technology innovation is no longer simply a part of its intangible assets,but also become the "supply" for the growth and growth of small and medium-sized enterprises Agent.At the same time,the intellectual property pledge financing business has also been developing,and the state has continuously increased its support,encouraging commercial banks to carry out such business more actively,helping small and medium-sized enterprises of science and technology innovation to solve the problem of mismatch between development potential and capital strength,and to help economic development.However,it is undeniable that China's intellectual property pledge financing business is still in the process of exploration and learning.Whether it is the pre-loan investigation stage,the loan review stage or the post loan management stage,there is something to be improved and perfected.There are many reasons for this situation.One of the more important factors is that commercial banks have no way to do the post loan management of collateral,so they dare not carry out intellectual property pledge financing business easily.Although commercial banks have formulated the system that the collateral needs to be revalued periodically during the existence of the collateral,most of the commercial banks only start the system after the relevant collateral has a significant risk,that is to say,the response is very lagging,and the relevant provisions are just mere formality,which makes the commercial banks have no way to change the collateral value during the loan period Timely and effective control makes it easy for commercial banks to fall into an unfavorable situation and bear additional losses that should not have been generated.At the same time,in view of the characteristics of intellectual property rights,commercial banks and other financial institutions are reluctant to financing such assets.Therefore,in the current environment,the urgent task is to solve the problem of post loan management of special collateral such as intellectual property.Therefore,in view of the problem of post-loan management,this paper puts forward the early warning model and internal revaluation model of intellectual property pledge risk.The early warning model of intellectual property pledge risk is used in conjunction with the internal revaluation model in order to complete the post-loan management with practical effect and solve the worries of the bank.Specifically,based on reading the relevant literature at home and abroad,this paper starts with bank collateral management,intellectual property pledge risk analysis and risk early warning model research,and the relevant theories involved in intellectual property evaluation:Firstly,the concepts related to intellectual property rights are introduced,and then the theoretical basis related to them is expounded.This paper analyzes the characteristics of intellectual property rights,as well as their characteristics different from other asset offsets(pledges),introduces the particularity of intellectual property pledge assessment,and expounds the necessity and urgency of establishing risk warning model based on the risks that this particularity may bring to banks.By combining BP neural networks and using the support of MATLAB software,an early warning model of intellectual property pledge risk is established.On this basis,the internal revaluation model is further proposed,and the internal evaluation scale of commercial banks is designed to facilitate the use of the internal revaluation model by bank staff.Then,the case of B bank's intellectual property pledge is analyzed,the feasibility and necessity of using the risk warning model and internal revaluation model of intellectual property pledge are discussed,which helps the bank to avoid risk reasonably and promote the development of intellectual property pledge business.Finally,combined with the main contents of this paper,the paper summarizes the full text,and puts forward four suggestions on the problems mentioned in the article,and points out the three shortcomings of this paper.