| 质押贷款资产价值视角下专利质押融资质物评估模型构建 |
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| 引用本文： | 朱国军,刘钰彤.质押贷款资产价值视角下专利质押融资质物评估模型构建[J].科技管理研究,2019,39(15). |
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| 作者姓名： | 朱国军 刘钰彤 |
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| 作者单位： | 江苏海洋大学商学院,江苏连云港,222005;上海财经大学信息管理与工程学院,上海,200433 |
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| 基金项目： | 基金项目：教育部人文社科青年基金项目“创新链与互联网融合驱动中国“链主”企业成长的机制研究”（项目编号18YJC790243）;江苏省社科基金项目““互联网+”条件下江苏知识产权密集型产业发展路径研究”（项目编号17EYB008） |
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| 摘 要： | 本文通过比较研究提出专利质押融资质物的价值类型本质上是质押贷款资产价值。商业银行在开展专利质押融资质物评估时,要考虑质物在未来整个贷款期间可实现的资产价值,综合考虑财务价值与战略期权价值,运用改进后的Black-Scholes模型构建专利质押融资质物评估模型,结合商业银行对某公司专利质押融资项目的价值评估对该模型开展算例分析,结果显示企业凭借质物可得到贷款赢得发展机会,而银行风险也在有效控制范围内。
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| 关 键 词： | 专利质押融资 质押贷款资产价值 质物评估模型 |
| 收稿时间： | 2018/9/28 0:00:00 |
| 修稿时间： | 2019/8/3 0:00:00 |
Construction of quality assessment model of patent pledge financing from the perspective of assets value of pledge loan |
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| Abstract: | Through comparative study, this paper points out that the value type of patent pledged financing pledge is essentially the value of pledged loan assets. Commercial banks should consider the value of assets that can be realized in the whole future loan period, consider the financial value and strategic option value synthetically, and use the improved Black-Scholes model to construct the evaluation model of patent pledge financing pledge, combining with commercial banks"patent pledge of a company. The value evaluation of the financing project carries on the example analysis to this model, the result shows that the enterprise can obtain the loan by virtue of the pledge to win the development opportunity, and the bank risk is also in the effective control scope. |
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| Keywords: | patent pledge financing pledge loan assets value quality assessment model |
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