Research On Risk Assessment Of Intellectual Property Pledge Financing In Artificial Intelligence Enterprises

With the rapid development of knowledge economy and high and new technology,the artificial intelligence industry which relies on advanced knowledge and technology has begun to emerge a number of highly competitive enterprises in the 21 st century.However,because the main capital of science and technology enterprises is used for scientific research and technological innovation,they are short of tangible assets and other reserves that can be used as general pledges of banks,leading to the formation of asset-light and weak ability to resist risks.Under the knowledge economy,intellectual property can play its unique economic effect,which is undoubtedly an "opportunity" for Artificial intelligence enterprises without rich assets.Artificial intelligence enterprises can obtain funds needed for development by pledging intellectual property.However,from the current actual situation,there are many difficulties.First,the valuation,risk assessment and risk warning of intellectual property itself are a big difficulty.Second,each participant has insufficient experience in risk avoidance and risk control in pledge financing and has not formed effective risk management evaluation methods and sharing mechanism in a short period of time.Therefore,considering various factors,to identify the risk types,analysis of risk sources and risk index,build risk assessment method,to comprehensive assessment of target enterprise intellectual property pledge financing risk,help Banks rational selection,alleviate the financing difficulties of enterprises and promote the development of intellectual property pledge financing.This paper focuses on the risk assessment of intellectual property pledge financing in artificial intelligence enterprises.First stood on the bank assessment point of view,on the basis of the theory of regret,using game theory combination empowerment method to calculate index weight,use VIKOR method of multiple attribute decision making regret matrix sorting,constructed artificial intelligence risk assessment model of enterprise intellectual property pledge financing,with eight has listed companies as the research object,and artificial intelligence An empirical study is made on the risk assessment of intellectual property pledge financing.Second major risk in order to further study the financing enterprises,based on the perspective of enterprise self assessment,establishing a perfect enterprise risk early warning model of artificial intelligence,aimed at the three risk factors in FMEA,evaluation by using expert language variable,level analysis method and the maximum deviation method to calculate the comprehensive weight combination,and by using the fuzzy VIKOR risk priority coefficient of sorting,The rationality of this method is verified by sensitivity analysis.The following conclusions are drawn:(1)According to the Q value from large to small,the sorting result is: K7 > K8>K4> K3> K6> K5> K2>K1.K7 company has the lowest Q value and the lowest Q value,while K1 company has the highest Q value.Therefore,K7 Company is the optimal target for banks to conduct intellectual property pledge financing business.(2)The top three risks of K1 company in pledge financing are intellectual property achievement transformation risk,technology substitutability risk and product marketing risk.Finally,this paper proves the feasibility of the method by further analysis and comparison of the research results,and puts forward some suggestions for the problems faced by ai enterprises in the process of intellectual property pledge financing.