摘要
本文基于科技型小微企业知识产权资产与信息特征,描述了制约我国科技型小微企业知识产权融资的主要问题,重点是结合当前互联网金融运用大数据、云计算等手段破解融资难的众多案例,首次提出互联网金融发展下,科技型小微企业知识产权融资可借鉴的四种创新融资模式:知识产权P2P借贷、知识产权网络众筹、知识产权网络小额信贷和知识产权互联网金融门户。研究分析了四种创新融资模式结构、特征、竞争基点和创新主导机构等内容,并分析总结了实施融资创新的操作流程、发展问题及应对对策,对利用互联网、大数据等技术实施知识产权融资创新,以及科技小微企业创新战略发展将提供方法和路径支持。
Based on the small and micro technology businesses＇ intellectual property assets and information features,this paper describes the limitations of financing the small and micro technology businesses＇ intellectual property. Combined with the current cases of internet finance,using big data,cloud computing to solve financing difficulties,this paper mentions that with the development of Internet finance,the small and micro technology businesses＇ intellectual property financing could use four new innovation ways： intellectual property P2P financing,intellectual property crowd funding,intellectual property internet micro financing and intellectual property internet financial portal. The research analyzes four new innovation financing ways＇ structure,feature,competitive basis points and innovation leading institutions,summarizes the financing operation process,development issues and countermeasures,and provides supports on how to use internet and big data to financing intellectual property and help the small and micro technology businesses grow.
作者
马毅
MA Yi(Foshan Polytechnic, Foshan 528137, China)
出处
《经济体制改革》
CSSCI
北大核心
2018年第3期132-137,共6页
Reform of Economic System
基金
国家社会科学青年基金项目:"制造集群网络创新机制研究"(11CGL043)
广东省软科学研究计划项目:"大数据发展下集群创新科技企业的知识产权担保风险评估体系研究"(2014A07073001)
广东省软科学研究计划项目:"大数据发展下集群小微企业征信的要素与协作"(2015A070704001)
关键词
大数据
科技型小微企业
互联网金融
融资创新
资信评估
网络借贷
big data
small and micro technology businesses
Internet finance
financing innovation
credit evaluation
Internet lending
