本文選題：中小高科技公司 + 無(wú)形資產(chǎn)��； 參考：《廣東財(cái)經(jīng)大學(xué)》2013年碩士論文

【摘要】：當(dāng)今世界經(jīng)濟(jì)的發(fā)展進(jìn)程中，高科技產(chǎn)業(yè)已經(jīng)成為衡量國(guó)家綜合國(guó)力的重要指標(biāo)。而中小型高科技公司作為高科技產(chǎn)業(yè)的微觀單元，不僅數(shù)量眾多，成長(zhǎng)迅速，機(jī)制靈活，也在吸納社會(huì)就業(yè)，推動(dòng)產(chǎn)業(yè)結(jié)構(gòu)升級(jí)，提升經(jīng)濟(jì)綜合競(jìng)爭(zhēng)力等方面起著重要作用。 我國(guó)高科技產(chǎn)業(yè)已有長(zhǎng)足發(fā)展，但眾多民營(yíng)中小型高科技公司發(fā)展速度和規(guī)模都不盡人意。由于高科技企業(yè)屬于資金密集型產(chǎn)業(yè)，，其發(fā)展需要大量資金作支持，缺乏有效融資渠道成為阻礙中小高科技公司發(fā)展的主要問(wèn)題。本文針對(duì)中小高科技公司傳統(tǒng)有型資產(chǎn)較少，無(wú)形資產(chǎn)所占公司資產(chǎn)比重較大這一特點(diǎn)，試圖通過(guò)開展無(wú)形資產(chǎn)抵押融資，為中小高科技公司突破資金瓶頸探尋新路徑。 本文首先對(duì)在我國(guó)市場(chǎng)推行中小高科技公司無(wú)形資產(chǎn)抵押融資的可行性進(jìn)行研究。分析現(xiàn)階段我國(guó)中小高科技公司的資金需求以及現(xiàn)有融資渠道的狀況，并對(duì)在國(guó)內(nèi)推行無(wú)形資產(chǎn)抵押這一融資項(xiàng)目所具備的可行性條件進(jìn)行剖析，歸納我國(guó)現(xiàn)階段推行無(wú)形資產(chǎn)抵押融資的四個(gè)有力條件。 然后，對(duì)構(gòu)建適合我國(guó)中小高科技公司無(wú)形資產(chǎn)抵押的融資模式進(jìn)行了探索。分析了美日韓等發(fā)達(dá)國(guó)家在無(wú)形資產(chǎn)抵押融資方面的成功案例，聯(lián)系我國(guó)的試點(diǎn)經(jīng)驗(yàn)和實(shí)際環(huán)境，對(duì)可借鑒之處進(jìn)行了挖掘和吸收。在歸納國(guó)內(nèi)外經(jīng)驗(yàn)的基礎(chǔ)上，歸納理論框架并提出一種創(chuàng)新型抵押融資模式。 其次，本文引進(jìn)博弈論方法，重點(diǎn)研究無(wú)形資產(chǎn)抵押融資中企業(yè)與銀行之間的違約風(fēng)險(xiǎn)及相關(guān)因素。在完全信息的假設(shè)前提下，借貸雙方，即中小高科技公司與銀行之間，存在著各自的行為策略選擇空間，并且對(duì)每一種行為策略所帶來(lái)的收益和成本有預(yù)期，當(dāng)雙方都是“理性經(jīng)濟(jì)人”時(shí)，他們通過(guò)比較最終收益選擇行為策略。本文通過(guò)博弈對(duì)可能影響雙方參與人行為的因素做了充分挖掘，從而對(duì)防范融資風(fēng)險(xiǎn)提供支撐。 最后，本文對(duì)我國(guó)開展中小高科技公司無(wú)形資產(chǎn)抵押融資項(xiàng)目的一些不足之處提出完善。此部分從法律風(fēng)險(xiǎn)和市場(chǎng)融資風(fēng)險(xiǎn)兩部分為著手點(diǎn)，并分別提出可行的完善措施，以滿足實(shí)踐應(yīng)用的需要。
[Abstract]:With the development of the world economy, high-tech industry has become an important index to measure the comprehensive national strength.As the micro unit of high-tech industry, small and medium-sized high-tech companies not only have a large number, rapid growth, flexible mechanism, but also play an important role in absorbing social employment, promoting the upgrading of industrial structure and promoting the comprehensive competitiveness of the economy.China's high-tech industry has developed rapidly, but the development speed and scale of many private small and medium-sized high-tech companies are unsatisfactory.Because high-tech enterprises belong to capital-intensive industries, their development needs a lot of funds to support their development, and the lack of effective financing channels has become the main problem that hinders the development of small and medium-sized high-tech companies.Aiming at the characteristics of small and medium-sized high-tech companies with less traditional assets and larger proportion of intangible assets, this paper attempts to explore a new way for small and medium-sized high-tech companies to break through the capital bottleneck by developing immaterial assets mortgage financing.Firstly, this paper studies the feasibility of immaterial assets mortgage financing of medium and small high-tech companies in our country.This paper analyzes the capital needs of small and medium-sized high-tech companies and the existing financing channels in China, and analyzes the feasible conditions for carrying out intangible assets mortgage as a financing project in China.Induces our country present stage to carry out the intangible asset mortgage financing four have the condition.Then, it explores the financing mode suitable for medium and small high-tech companies.This paper analyzes the successful cases of immaterial asset mortgage financing in the developed countries such as America, Japan and South Korea, and combines the pilot experience and actual environment of our country, and excavates and absorbs the reference points.Based on the experience at home and abroad, the theoretical framework is summarized and an innovative mortgage financing model is proposed.Secondly, this paper introduces game theory to study the default risk and related factors between enterprises and banks in immaterial asset mortgage financing.Under the assumption of complete information, there is a space between the two parties, that is, small and medium-sized high-tech companies and banks, to choose their own behavior strategies, and to expect the benefits and costs of each behavior strategy.When both parties are rational economic men, they choose behavior strategies by comparing final benefits.This paper fully excavates the factors that may affect the behavior of both participants through the game, so as to provide support for the prevention of financing risks.Finally, this paper puts forward some deficiencies of developing immaterial assets mortgage financing project of medium and small high-tech companies in our country.This part starts with legal risk and market financing risk, and puts forward some feasible measures to meet the needs of practical application.
【學(xué)位授予單位】：廣東財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F273.4;F275;F276.44;F832.4

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