CSSCI【上海金融】我国文化产业金融创新方式分析.pdf

《上海金融》 年第 期 金融实务研究 2011 6 !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! ! ! ! * ! ! 我国文化产业金融创新方式分析 ! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 1 2 于孝建 任兆璋 , （ ， 华南理工大学， 广东广州 510006 ） 1 2 摘要： 本文总结分析了我国文化产业金融创新方式的两个特点 “融资方式多样化”与“融资参与主体多样 : 化”，在分析单个企业多个版权集合质押担保贷款方式的基础上，借鉴中小企业集合债原理和版权质押贷款方 式，提出了更适合中小型文化企业的多个企业版权集合质押担保贷款的新融资方式，认为可灵活采用各种无形 资产进行集合质押，可引入多种金融机构增强文化企业贷款信用，从而提高企业贷款能力，降低银行贷款风险。 关键词： 文化产业；金融创新；质押 中图分类号： 文献标识码： 文章编号： （ ） F832 A 1006－1428 2011 06-0105-04 Abstract: The article summarizes two features of financial innovation in Chinas cultural industry: diversification of financing pattern and diversification of financing subject. On the basis of analyzing single enterprise multiple copy- rights package pledge loan, the article proposes a new multiple enterprises copyrights package pledge loan, which is much more suitable to small and medium-sized enterprises. The article concludes that we should use a variety of in- tangible assets as pledge objects and introduce a variety of financial institutions to enhance loan credit of culture en- terprises, thus increase the loan capacity and reduce bank loan risks. Key words: Cultural Industry; Financial Innovation; Pledge