CAJ | 학술논문

威海市商业银行在高新技术产业开发区成立专门提供知识产权质押融资业务的全省首家科技支行，以财政贴息扶持、集体信息采集、专利质押平台搭建为手段，为科技型企业开展知识产权质押融资提供便利，成功解决信息收集成本高、担保公司风险收益不匹配、新型信用资源利用不充分等问题。为缓解中小企业融资难问题提供了新思路。
위해시상업은행재고신기술산업개발구성립전문제공지식산권질압융자업무적전성수가과기지행，이재정첩식부지、집체신식채집、전리질압평태탑건위수단，위과기형기업개전지식산권질압융자제공편리，성공해결신식수집성본고、담보공사풍험수익불필배、신형신용자원이용불충분등문제。위완해중소기업융자난문제제공료신사로。
Weihai City Commercial Bank established the province's first Science and Technology Branch-Weihai City Commercial Bank, high-tech sub-branches in High-tech Industrial Development Zone, which provides intellectual property as security for financing. This branch uses financial discount support, information collection, patent pledge platform to facilitate intellectual property pledge for science and technology enterprises, and solve such problems as high information gathering cost, risk-benefit of the guarantee company does not match, new credit resources underutilized successfully, provides new ideas for easing the problem of SMEs financing.