中国专利质押融资研究.docVIP

PAGE PAGE 20 中国专利质押融资研究 摘要：目前，专利质押融资的融资方式在我国发展迅猛。目前相关文献多基于质押这一背景，对现状进行分析。鉴于此，本文通过对过往文献的参考和总结分析，同时分析我国的当前专利质押融资现状,得出制约我国专利质押融资发展的因素有专利评估存在风险、专利交易市场不完善、企业进行专利质押融资成本高、主体缺乏统筹，放贷积极性不高等问题，从而得出促进我国互联网发展需要提高政府的补贴力度，降低企业成本、设立科技投资银行，负责专利质押融资、设立专业评估机构，降低评估风险、建立信息联网系统，降低信用风险、增强中小企业和科研机构的合作、构建完善的专利交易市场、建立相应的专利质押融资的保险机制、完善我国的专利证券化发展。 关键词：专利质押融资；专利交易市场；评估风险；信用风险 Research On the Patent Mortgage Financing Problems Abstract: Currently, the financing method patent pledge financing of rapid development in China. Based on the current literature more pledge this background, the current situation analysis. In view of this, the paper of the past literature references and summary analysis, simultaneous analysis of the current status of patent pledge financing, come to restrict the development of Chinas patent pledge financing risk factors patent evaluation, patent market imperfections, corporate patent pledge the high cost of financing, the lack of co-ordination body, lending enthusiasm is not high, so as to arrive promote Internet development in China need to increase government subsidies, and reduce costs, the establishment of science and technology investment bank, responsible for patent pledge financing, the establishment of a professional assessment agencies, reducing risk assessment establishment of information networking systems to reduce credit risks and enhance cooperation for SME and research institutions, build a sound patent market, the establishment of appropriate insurance patent pledge financing mechanism, improve the development of Chinas patent securitization. Keywords: Patent Mortgage Financing ; Patent Market; Assessing Risk; Credit Risk 一、 引言 （一）研究背景 一方面，根据美国国立标准技术研究所（NIST）曾发布了一份著名的“死亡之谷”报告，称从技术到产品的转移过程，存在着恐怖的“死亡之谷”，用以形容很多科研成果还没走向市场，就被埋没在技术商品化的过程中。有专家估计，这一过程，至少湮灭了我国90%的科研成果。其中原因很多，而缺少资金投入是最重要的原因之一，尤其是对于我国中小企业而言。 另一方面，相关数据显示，中小企业已成为中国经济发展的重要力量。目前，中国的中小企业数量超过1亿户，占企业总数的90%以上，中小企业贡献了中国60%的国内生产总值（GDP）、50%的税收和75%以上的城镇就业，以及80%以上的新产品开发，但融资难问题一直困扰着中小企业。缺少固定资产和公司信用，从银行等金融机构通过传