【作者】 陈本燕； 王勇；

【Author】 CHEN Ben-yan1,2,WANG Yong2(1.School of Finance and Taxation,Southwestern University of Finance and Economics,Chengdu 610074,China;2.Chengdu Science and Technology Develop Research Center,Chengdu 610015,China)

【机构】 西南财经大学财政税务学院； 成都市科学技术发展研究中心；

【摘要】 知识产权质押贷款为高科技中小企业增添了新的融资方式,但目前看来该贷款方式在运作中存在很大问题。我们认为知识产权质押贷款推广的难点在于对知识产权的估值和知识产权的变现能力。知识产权估值难的根源是信息不对称,要解决这里的信息不对称从而推广知识产权质押贷款业务,通过政策性银行机构进行干预是一个比较理想的选择。更多还原

【Abstract】 Intellectual property rights of high-tech small and medium-sized enterprises loans for the financing of a new way,but it appears that the loans exist in the operation of a big problem.We believe that the promotion of intellectual property loans is the difficulty of the valuation of intellectual property and intellectual property rights of liquidity.Valuation of intellectual property rights is also the cause of the asymmetric information,it is necessary to solve the asymmetric information here is to promote intellectual property business loans,the banking institutions through policy intervention is a more ideal choice.更多还原