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科技型中小企业缺乏有价值的有形抵押资产,银行等金融机构基于风险等因素考虑,不愿意为其借贷资金。处在这种情况下,充分发挥知识产权等技术优势,获取企业发展所需要的资金,成为科技型中小企业融资的重要一环。文章分析了现有知识产权质押贷款模式中政府的角色,阐述了政府在科技型中小企业知识产权质押贷款中的合理定位以及政府应该从哪些方面合理介入,推进知识产权质押融资。
Small and medium-sized technology-based SMEs lack valuable tangible assets, and financial institutions such as banks are not willing to lend them funds based on such factors as risk. Under such circumstances, giving full play to the technological advantages such as intellectual property rights and obtaining the funds needed for the development of enterprises has become an important part of the financing for S & T SMEs. The paper analyzes the role of government in the existing intellectual property pledge loan model, expounds the government ’s reasonable position in the intellectual property pledge loan of science and technology SMEs and the government should reasonably intervene in which aspects to promote intellectual property pledge financing.