本文關(guān)鍵詞：我國商業(yè)銀行專利權(quán)質(zhì)押貸款風(fēng)險(xiǎn)識(shí)別與控制研究　出處：《浙江理工大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 專利權(quán)質(zhì)押貸款 BP神經(jīng)網(wǎng)絡(luò) 模糊評(píng)價(jià)法 風(fēng)險(xiǎn)評(píng)估

【摘要】：專利權(quán)質(zhì)押貸款是金融衍生產(chǎn)品的創(chuàng)新,為銀行等金融機(jī)構(gòu)拓展了一條新的資產(chǎn)配置業(yè)務(wù),同時(shí)也拓寬了科技型中小企業(yè)的融資渠道。但是調(diào)研顯示,商業(yè)銀行開展專利權(quán)質(zhì)押貸款業(yè)務(wù)的積極性并不高,之所以會(huì)出現(xiàn)這樣的現(xiàn)象,是因?yàn)樵擁?xiàng)貸款業(yè)務(wù)的風(fēng)險(xiǎn)較高且難以量化。為提高商業(yè)銀行專利權(quán)質(zhì)押貸款意愿,推進(jìn)該業(yè)務(wù)又好又快發(fā)展,本文構(gòu)建了科學(xué)有效的風(fēng)險(xiǎn)評(píng)估模型,對(duì)專利權(quán)質(zhì)押貸款業(yè)務(wù)的風(fēng)險(xiǎn)等級(jí)進(jìn)行了有效的評(píng)定,并進(jìn)一步提出了有針對(duì)性的風(fēng)險(xiǎn)防控措施。本文站在商業(yè)銀行的角度,結(jié)合我國專利權(quán)質(zhì)押貸款業(yè)務(wù)的發(fā)展現(xiàn)狀,初步確立了專利權(quán)質(zhì)押貸款業(yè)務(wù)風(fēng)險(xiǎn)三個(gè)一級(jí)指標(biāo):宏觀因素、專利權(quán)因素及出質(zhì)企業(yè)因素,并將各一級(jí)指標(biāo)展開,建立了商業(yè)銀行專利權(quán)質(zhì)押貸款風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo)體系。運(yùn)用“3δ”法、BP神經(jīng)網(wǎng)絡(luò)法以及基于熵權(quán)的模糊綜合評(píng)價(jià)法對(duì)專利權(quán)質(zhì)押貸款項(xiàng)目的風(fēng)險(xiǎn)狀況進(jìn)行了評(píng)估。文中選擇了比較典型的企業(yè)作為評(píng)估樣本,結(jié)合專利權(quán)質(zhì)押貸款特點(diǎn)及該業(yè)務(wù)目前的發(fā)展現(xiàn)狀,展開了樣本企業(yè)專利權(quán)質(zhì)押貸款風(fēng)險(xiǎn)評(píng)估的實(shí)證分析,三種方法得到的評(píng)估結(jié)果基本一致,且與實(shí)際情形一致,說明本文的研究方法不失為對(duì)不確定性較高的專利權(quán)質(zhì)押貸款風(fēng)險(xiǎn)評(píng)估的一種有效探索,能夠?yàn)樯虡I(yè)銀行貸款項(xiàng)目決策提供參考。從我國專利權(quán)質(zhì)押貸款實(shí)踐來看,還存在著覆蓋面不夠廣、區(qū)域發(fā)展不平衡、金融機(jī)構(gòu)貸款意愿較低等方面的問題,為推進(jìn)我國專利權(quán)質(zhì)押貸款業(yè)務(wù)的發(fā)展,解決上述制約因素,本文認(rèn)為商業(yè)銀行、出質(zhì)企業(yè)、政府機(jī)構(gòu)以及中介機(jī)構(gòu)應(yīng)加強(qiáng)溝通和協(xié)調(diào),提高信息共享水平,以便商業(yè)銀行能將風(fēng)險(xiǎn)控制在極小的情況下,積極地為科技型中小企業(yè)提供資金支持。
[Abstract]:The patent pledge loan is the innovation of financial products, develop a new business asset allocation for the banks and other financial institutions, but also to broaden the financing channels of innovative SMEs. But the research shows that the enthusiasm of the commercial banks to carry out the patent pledge loan business is not high, the reason why there is such a phenomenon, is because of the high risk of the loan business and it is difficult to quantify. In order to improve the commercial bank patent right pledge loans will promote the rapid and sound development of the business, this paper constructs a scientific and effective risk assessment model of patent pledge loan business risk level for the effective evaluation, and further puts forward the targeted risk control measures. This paper from the perspective of commercial banks, combined with the development status of China's patent pledge loan business, initially established the patent pledge loan business risk three The first index: macro factors, patent factors and quality factors of the enterprise, and will expand the level indicators, established the patent right pledge loans of commercial banks risk evaluation index system. The use of "3 Sigma" method, BP neural network method and fuzzy comprehensive evaluation based on entropy weight method of the patent pledge loan project the risk to assess the situation. This paper chose the typical enterprise as assessment samples, combined with the current development situation of the patent pledge loan business characteristics and the empirical analysis, carried out the sample enterprise patent pledge loan risk assessment, evaluation of the three methods are consistent, and consistent with the actual situation, a to explore the effective loan risk evaluation method in this paper is the pledge of patent right of high uncertainty, it can provide the reference for the decision making of commercial bank loan project. From China's patent quality The mortgage practice, there is not wide enough, unbalanced regional development, financial institutions are willing to lend to the problem of the low, in order to promote the development of China's patent pledge loan business, to solve the above constraints, this paper argues that the quality of commercial banks, enterprises, government agencies and intermediary institutions should strengthen communication and coordination to improve the level of information sharing, so that commercial banks can control risk in minimal, actively for SME to provide financial support.

【學(xué)位授予單位】：浙江理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 王子文;;知識(shí)產(chǎn)權(quán)的金融價(jià)值[J];中國金融;2016年18期

2 尹夏楠;鮑新中;朱蓮美;;基于融資主體視角的知識(shí)產(chǎn)權(quán)質(zhì)押融資風(fēng)險(xiǎn)評(píng)價(jià)研究[J];科技管理研究;2016年12期

3 王濤;胡園園;顧新;王彥婷;;我國中小型企業(yè)專利權(quán)質(zhì)押現(xiàn)狀及對(duì)策建議[J];科學(xué)學(xué)研究;2016年06期

4 鄧文;;論專利權(quán)出質(zhì)的可重復(fù)性[J];中國發(fā)明與專利;2016年05期

5 胡旭微;楊海萍;;浙江省科技型中小企業(yè)專利權(quán)質(zhì)押融資的策略研究[J];浙江理工大學(xué)學(xué)報(bào);2016年04期

6 胡旭微;陳麗娟;;商業(yè)銀行專利權(quán)質(zhì)押貸款風(fēng)險(xiǎn)預(yù)警研究[J];浙江金融;2015年07期

7 宋首文;代芊;柴若琪;;互聯(lián)網(wǎng)+銀行:我國傳統(tǒng)商業(yè)銀行風(fēng)險(xiǎn)管理新變革[J];財(cái)經(jīng)科學(xué);2015年07期

8 程永文;姚王信;;有限理性視角下知識(shí)產(chǎn)權(quán)質(zhì)押貸款風(fēng)險(xiǎn)形成、評(píng)估與檢驗(yàn)[J];科技進(jìn)步與對(duì)策;2015年13期

9 方厚政;;上海市企業(yè)專利質(zhì)押貸款發(fā)展現(xiàn)狀的實(shí)證分析[J];上海金融學(xué)院學(xué)報(bào);2015年02期

10 鮑新中;屈喬;傅宏宇;;知識(shí)產(chǎn)權(quán)質(zhì)押融資中的價(jià)值評(píng)估風(fēng)險(xiǎn)評(píng)價(jià)[J];價(jià)格理論與實(shí)踐;2015年03期

，

本文編號(hào)：1394191