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  本文選題：東湖高新區(qū)　切入點：科技型中小企業(yè)　出處：《武漢紡織大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：在當(dāng)今知識經(jīng)濟時代，隨著科學(xué)技術(shù)的迅猛發(fā)展和全球經(jīng)濟的一體化進程的加快，，科技型中小企業(yè)成為國民經(jīng)濟的重要組成部分和技術(shù)創(chuàng)新主體。然而，科技型中小企業(yè)由于實物資產(chǎn)匱乏，傳統(tǒng)的融資方式已經(jīng)行不通，身處在這樣的融資環(huán)境下，科技型中小企業(yè)不得不寄希望于知識產(chǎn)權(quán)融資。 武漢市作為知識產(chǎn)權(quán)質(zhì)押融資工作試點地區(qū)，近年來的知識產(chǎn)權(quán)事業(yè)取得了長足進步，其中科技型中小企業(yè)最為集中的東湖高新區(qū)更是成績喜人；但由于知識產(chǎn)權(quán)的不穩(wěn)定性與高風(fēng)險性，使得知識產(chǎn)權(quán)質(zhì)押貸款業(yè)務(wù)的發(fā)展受到了阻礙，難解科技型中小企業(yè)的資金之急。 在上述背景下，本文首先在分析東湖高新區(qū)知識產(chǎn)權(quán)質(zhì)押融資發(fā)展現(xiàn)狀及融資環(huán)境的基礎(chǔ)上找到其制約因素為：知識產(chǎn)權(quán)價值評估依據(jù)不足及評估行業(yè)發(fā)展緩慢，銀行對風(fēng)險的規(guī)避導(dǎo)致積極性不高，銀行對質(zhì)押貸款的高要求也大大提高了科技型中小企業(yè)的融資成本。追根溯源，制約知識產(chǎn)權(quán)質(zhì)押融資發(fā)展的是知識產(chǎn)權(quán)價值評估不精確和風(fēng)險難以控制這兩大制約因素。然后，圍繞兩大制約因素展開研究：在價值評估的研究中，從實務(wù)中常用的收益法出發(fā)，結(jié)合知識產(chǎn)權(quán)產(chǎn)品的生命周期，將企業(yè)未來現(xiàn)金流量分四個階段進行計量，使得評估結(jié)果更科學(xué)、更準(zhǔn)確；在風(fēng)險控制方面，將風(fēng)險控制流程分成貸款前與貸款后，并提出相應(yīng)的風(fēng)險轉(zhuǎn)移及風(fēng)險分散措施。最后從政府、銀行、中介和企業(yè)四個層面對東湖高新區(qū)科技型中小企業(yè)的知識產(chǎn)權(quán)質(zhì)押融資的發(fā)展提出了對策和建議，對推動?xùn)|湖高新區(qū)知識產(chǎn)權(quán)質(zhì)押融資工作的推進具有一定的實際應(yīng)用價值。
[Abstract]:In the era of knowledge economy, with the rapid development of science and technology and the acceleration of the integration process of the global economy, the small and medium-sized scientific and technological enterprises have become an important part of the national economy and the main body of technological innovation. Due to the lack of real assets, the traditional financing method is not feasible. In such a financing environment, technology-based SMEs have to rely on intellectual property financing. Wuhan, as a pilot area of intellectual property pledge financing, has made great progress in the field of intellectual property in recent years, among which the East Lake High-tech Zone, which is the most concentrated high-tech small and medium-sized enterprises, has achieved more gratifying results. However, because of the instability and high risk of intellectual property rights, the development of intellectual property mortgage loan business has been hindered, and it is difficult to solve the urgent problem of the capital of small and medium-sized technological enterprises. On the basis of analyzing the present situation and financing environment of intellectual property pledge financing in Donghu Hi-Tech Zone, this paper finds out the following restrictive factors: insufficient basis for evaluating intellectual property value and slow development of evaluation industry. Banks' enthusiasm for risk avoidance is low, and the banks' high requirements for pledged loans have greatly increased the financing costs of small and medium-sized technology-based enterprises. The development of intellectual property pledge financing is restricted by the imprecise valuation of intellectual property and the difficulty of controlling the risk. Starting from the income approach commonly used in practice and combining the life cycle of intellectual property products, the future cash flow of enterprises is measured in four stages, so that the evaluation results are more scientific and accurate; in the aspect of risk control, The risk control process is divided into pre-loan and post-loan, and corresponding risk transfer and risk dispersion measures are proposed. Finally, from the government, the bank, This paper puts forward some countermeasures and suggestions on the development of intellectual property rights pledge financing for small and medium-sized enterprises in Donghu High-tech Zone from four aspects of intermediary and enterprise. It has some practical application value to promote the development of intellectual property pledge financing in Donghu High-tech Zone.
【學(xué)位授予單位】：武漢紡織大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F276.44;F273.1;F275

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