近年来专利权质押贷款业务量迅猛增长，商业银行在此类业务中需要解决的一大棘手问题就是如何筛选出优质专利来作为质押标的。本文以质押专利的质量内涵为切入点，构建包含法律维度、技术维度、企业维度的质量评价体系，并运用支持向量机算法来提升评价效率。同时，引入情景分析法得到质押专利的双情景估值，运用质量评价结果对评估价值进行修正。最后，选取案例企业RX公司的芯片专利作为研究案例，运用评估模型对芯片专利的质押价值进行评估，验证了该模型在质押专利价值评估中的适用性，为专利权质押价值评估提供了新思路。

In recent years, the business volume of patent pledge loan has increased rapidly. In this kind of business, A thorny problem that commercial banks need to solve is how to select high-quality patents as the pledge object. Taking the quality connotation of pledged patents as the starting point, this paper constructs a quality evaluation system including legal dimension, technical dimension and enterprise dimension, and uses support vector machine algorithm to improve the evaluation efficiency. At the same time, the scenario analysis method is introduced to obtain the dual scenario valuation of the pledged patent, and the quality evaluation results are used to modify the evaluation value. Finally, the chip patent of RX enterprise is selected as the research case, and the evaluation model constructed is used to evaluate the pledge value of chip patent, which verifies the applicability of the model in the evaluation of pledge patent value.

F204;G306.3;G311

中国资产评估协会重大研究课题“‘十四五’时期健全我国知识产权评估体系研究”(202104)