CAJ | 학술논문

目前单笔知识产权质押价值评估研究较多，但风险测控缺位，且评估视角选择不符合质押贷款实际情况。选择质押融资主导方银行视角，提出应在一定时间范围内，集中多笔知识产权质押贷款形成组合，进行统一评估、风险测控和批复。可以大大节约交易成本。根据知识产权质押贷款实际情况，运用博弈论和集值统计方法确定单笔知识产权质押评估值。运用Creditrisk＋模型对知识产权质押贷款组合进行整体风险测控。在满足银行风险控制要求和企业资金需求的前提下，创建知识产权质押贷款新模式。
목전단필지식산권질압개치평고연구교다，단풍험측공결위，차평고시각선택불부합질압대관실제정황。선택질압융자주도방은행시각，제출응재일정시간범위내，집중다필지식산권질압대관형성조합，진행통일평고、풍험측공화비복。가이대대절약교역성본。근거지식산권질압대관실제정황，운용박혁론화집치통계방법학정단필지식산권질압평고치。운용Creditrisk＋모형대지식산권질압대관조합진행정체풍험측공。재만족은행풍험공제요구화기업자금수구적전제하，창건지식산권질압대관신모식。
Recently,there have been more studies on single pledge of intellectual property valuation but none on risk measurement and control and evaluation perspectives selected do not accord to the actual financing situations. From the perspective of mortgage financing-led banking, the paper suggests that within a time range it can greatly reduce transaction costs to form multiple intellectual property pledge loans into portfolio and unify assessment and credit risk control and approval.According to the actual cir-cumstance of intellectual property rights pledge loan,game theory and set-valued statistic method can de-termine evaluation of single pledge on intellectual property.Creditrisk+ model measures and controls the risk of mortgage loan portfolio. Under the premise of meeting requirements of bank’s risk control and capital demand of enterprises,a new model of the intellectual property pledge loan is created.