[关键词]
[摘要]
随着互联网金融的迅猛发展,银行在科技型中小企业信贷业方面逐渐受到威胁,银行急需寻求新的方式以维持自身的市场份额。为探索银行知识产权质押融资模式的稳定性并制订有效的优化策略,通过演化博弈模型探讨了在第三方知识产权评估平台的协助下,商业银行与科技型中小企业知识产权质押融资问题,研究发现商业银行和第三方知识产权评估商务平台间的合作不仅能解决科技型中小企业融资难的问题,而且能实现银行信贷风险分担、违约补偿,大大降低商业银行为中小企业贷款的风险。
[Key word]
[Abstract]
With the rapid development of Internet Finance, business of high-tech small and medium sized enterprise(SME) credit in commercial bank has been threatened. Thus, banks need to seek new ways to maintain their market share. In this paper, intellectual property financing model is studied and optimization strategies are offered through discussing the problem of intellectual property financing with the assistance of intellectual property assessment platform between commercial bank and high-tech SME based on the evolutionary game model. In this way, not only can bank solve high-tech SME’s financing issue, but also achieve bank credit risk sharing, default compensation and decrease on risk of commercial bank loans to SME.
[中图分类号]
F240
[基金项目]
国家自然科学基金资助项目(71571053, 71171061)；广东省自然科学(2015A030310218)；广东省普通高校人文社会科学研究项目(12ZS0050, 11WYXM022) ,张成科1,朱怀念1,曹铭2
