摘要
创新型企业面临的信贷配给等融资约束已为经验研究所证实。中国政府为解决该问题,制定了知识产权质押贷款融资等政策并在实施后取得了阶段性效果,但后续的贷款风险正在形成和积累。借助有限理性理论解释知识产权质押贷款风险的形成机理是一种新尝试。同时,运用中国早期专利质押贷款试点数据,基于有限理性理论对知识产权质押贷款风险进行评估与检验。研究结果能够为检验、完善和改进中国知识产权质押融资政策提供经验依据。
Innovative companies face financing constraints such as credit rationing had been tested. Chinese government cre atively brought out intellectual property rights pledge loan financing policy to help solve the problem, and periodic results had been achieved after implementation, but follow-up loan risk was in formation and accumulation. To explain the formation mechanism of intellectual property rights pledge loan risk by means of bounded rationality theory was a new attempt. At the same time, intellectual property rights pledge loan risks were evaluated with the inspection use of early Chinese patent pledge loan pilot data based on bounded rationality theory. The study provided experience basis to test, improve and improve China＇s intellectual property pledge financing policy.
出处
《科技进步与对策》
CSSCI
北大核心
2015年第13期139-144,共6页
Science & Technology Progress and Policy
基金
国家社会科学基金重点项目(14AJY004)
安徽省软科学研究项目(1402052022)
安徽大学"校学术与技术带头人引进工程"项目(02303203)
安徽省领导圈定课题(SLDQDKT15-01)
合肥学院科研发展基金重点项目(13KY07ZD)
合肥学院学科带头人培养对象项目(2014dtr12)
关键词
有限理性理论
知识产权质押
贷款风险
风险评估
Bounded Rationality Theory
Intellectual Property Rights
Pledge
Risk
Assessment
