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知识产权质押贷款对于解决科技型中小企业的资金短缺难题、促进科技成果的产业化,实现建设创新型国家的战略目标具有重要意义。本文指出了当前国内银行开展知识产权质押贷款存在的问题和症结所在,从理论和实践角度分析了当前政府出资设立的支持知识产权质押贷款专项资金运作方式存在的不足,对财政资金创新使用方式进行了理论探索,并提出了政府出资设立知识产权质押贷款专项基金的政策建议,最后探讨了基金的管理和运作模式。
Intellectual property pledge loan is of great significance to solve the capital shortage problem of science and technology small and medium-sized enterprises, promote the industrialization of scientific and technological achievements and realize the strategic goal of building an innovation-oriented country. This paper points out the problems and crux of the current domestic banks’ pledge of intellectual property loans, and analyzes the deficiencies in the operation mode of special funds for intellectual property pledge loans established by the current government from the theoretical and practical perspectives. It also analyzes the innovative use of fiscal funds It also puts forward the policy suggestions that the government funded the establishment of the special fund for intellectual property pledged loans, and finally discusses the fund management and operation mode.