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企业的自主创新需要大量资本作为后盾,在市场经济条件下,“资本”与“知本”的结合可以实现双方的共赢。对于大企业来说,可以通过资本市场进行直接融资,商业银行要寻求新的经济增长点,就不得不关注更多的中小企业客户。金融机构不断创新信贷产品,才能变被动为主动,抢占市场先机,争取到越来越多的优质中小企业客户。中小企业是企业创新的主体,而专利权质押贷款以自主创新的中小企业为贷款对象,无疑具有广阔的市场前景。
Independent innovation of enterprises requires a lot of capital as a backup. Under the condition of market economy, the combination of “capital” and “intellectual capital” can achieve a win-win situation for both parties. For large enterprises, direct financing can be made through the capital market. Commercial banks seeking new economic growth points will have to pay more attention to SME customers. Financial institutions continue to innovate credit products in order to become passive and pro-active, seize market opportunities and win more and more high-quality SME clients. Small and medium-sized enterprises are the main body of enterprise innovation, while patented pledge loans to independent innovation of SMEs as a loan object, no doubt has a broad market prospects.