中小企业商标权质押款的有效性问题研究.docVIP

中小企业商标权质押贷款的有效性问题研究 刘吉运 王安国1 （中国人民银行德州市中心支行，山东 德州 253034） 摘 要：近年来商业银行开展的中小企业商标专用权质押贷款业务一直陷于停滞。本文以山东省首例中小企业商标权质押贷款案例为基础，依据信息经济学和风险管理理论，结合贷款担保的本质和功能，探析中小企业商标权质押难以被银行接受的实质，以期对银行下一步创新中小企业担保产品有所借鉴。 关键词：中小企业；担保；商标专用权；质押 Abstract：In recent years，the ownership of trademark pledged loan business for SMEs developed by commercial banks always stands still. This article analyzes the first case of the ownership of trademark pledged loan for SMEs in Shandong Province，based on Information Economics and risk management theory and combined with the nature and function of loan guarantee. It is difficult for