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1、 Analysis of SME financing pledge of intellectual propertyNetwork to write papers: Abstract: High-tech SMEs for the development of Chinas national economy played an important role, but less tangible assets technology-based SMEs, widespread financing problems. Based on Chinas IPR SME pledge financing
2、 problems of analysis, improve SME financing pledge of intellectual property development proposals, to promote the rapid development of technology-based SMEs, to promote the construction of an innovative country. Paper Keywords: SME financing pledge of intellectual property High-tech SMEs in promoti
3、ng innovation and promoting Chinas economic growth pattern play an important role in the process, but the development of SME itself, there are also some difficulties, mainly to less tangible assets, intangible assets are not fully utilized. Therefore, to explore financing SME intangible assets such
4、as intellectual property collateral value of the future development of mechanisms to improve the SMEs own reputation, to enhance SME co-operation with commercial banks is particularly important. First, the concept of intellectual property pledge financing According to China <<Guarantee Law>
5、> regulations, intellectual property rights belonging to pledge collateral, means that the debtor or a third person to share their intellectual property transferred to the creditor, the security of intellectual property as a debt when the debtor defaults, the creditor is entitled to in accordance
6、 with <<Guarantee Law>> Intellectual Property Rights provisions to the discount or sale, sale price of the intellectual property rights of first refusal which, in order to guarantee intellectual property claims of the debtor or the third party pledgor, pledgee creditor . China <<Gu
7、arantee Law>> Article 75, paragraph 3: law trademark rights can be transferred, patents, copyright in the property can be pledged. Second, China SME IPR pledge financing problems In recent years, Chinas IPR SME financing pledge made some progress, but still there are a number of imperfections,
8、 mainly in the following areas: (A value of intellectual property in China has no specific rating agencies Intellectual property valuation is the use of intellectual property to pledge SME financing key, need highly specialized technical personnel, and suitable for different types of intellectual pr
9、operty valuation standards and methods of assessment. At present, China is still not set up a special knowledge property value assessment agencies, mainly through some of the asset appraisal company to assess the value of intellectual property in this case, the assessed value of intellectual authori
10、ty and credibility is not high, the bank adopted its smaller proportion of the assessment results. (B-tech SMEs and commercial banks, asymmetric information High-tech SMEs generally smaller, less tangible assets, internal information is rarely disclosed to commercial banks. Internal management mecha
11、nism is not perfect, transparent financial management, etc. Commercial banks can not be true of SME information, so more cautious , in the absence of government incentives related to the case, generally reluctant to lend to SME. (Third Bank for IPR pledge loan business to bear a higher risk High-tec
12、h SMEs to be secured by the pledge of intellectual property and traditional tangible assets have very different collateral. Intellectual property rights are intangible characteristics, is an intangible property rights, intellectual property value is unstable, such as a technology developed through t
13、he application of patented, its value will be updated with the later development of technology and depreciation, so commercial banks to take higher risk. (D intellectual property more difficult to realize Claims of intellectual property as collateral commercial banks, when unable to repay loans, ban
14、ks can only be obtained through the realization of the intellectual property claim, but at present, Chinas intellectual property rights trading market system is not perfect, trading procedures are complicated and costly When companies unable to repay the commercial banks not like dealing with the sa
15、me physical property as collateral through auction, transfer of cost recovery. Third, improve SME financing pledge of intellectual property Suggestions (I set up a special agency of intellectual property valuation Under normal circumstances, all rating agencies assess the value of intellectual prope
16、rty are not the same result, which is financing SME IPR pledge to face a technical problem, so the establishment of specialized and authoritative assessment of the value of intellectual property institutions will is the key to solve this problem in practice, you can play the role of colleges and uni
17、versities to strengthen the training of intellectual property rights for the establishment of specialized high-tech intellectual property valuation agencies, professional and strong talent. (B to strengthen self-construction of SME First, the SME should be to strengthen the internal restructuring an
18、d management, improve the financial situation of enterprises, enhance their credibility. This will not only improve the public reputation, but also for its various business operations and lay a good foundation. Secondly, to strengthen its innovation capability. innovations for technology-based SMEs
19、is its going to be the basic requirements for long-term operation. working hard to develop new technologies and products is key to technology-based SMEs to survive. (C improve the intellectual property collateral risk control mechanism First, the bank level, the SME loan applications, commercial ban
20、ks should strengthen the enterprise survey, choose their own intellectual property, corporate reputation is relatively high in loans, commercial banks loans to the companys financial track and operating conditions. Second, the government level, in the intellectual property pledge financing system is
21、 not perfect, the Government can be encouraged to develop policies to reduce financing costs, reduce the repayment risk. (D improve the intellectual property system for market transactions Establish a sound trading system is the intellectual property market is difficult to resolve intellectual prope
22、rty realized an important way to establish a sound IPR trading platform for upstream companies, organizations, groups and individuals and downstream product manufacturers, distributors and consumers all products orientation of the transactions and services and other information can be difficult to r
23、educe the degree of realization of intellectual property, reduce the risk of commercial bank lending, help SME financing pledge long-term development of intellectual property. IV Conclusion SME IPR pledge financing is still in the initial stage, the countrys relevant regulations and policies is stil
24、l not perfect, in practice there are still some problems and therefore pledge to strengthen the SME financing problems of intellectual property research, analyze the IPR pledge financing problems and solutions proposed can promote SME development and, ultimately, improve the overall level of national economy.
