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知识产权质押融资是目前解决科技型中小企业资金缺口问题的重要途径,也是商业银行开发此类企业融资市场的有效手段之一。但商业银行也应密切关注此类融资所存在的风险,防范银行债权不能得以有效清偿。本文以法律视角,按照知识产权质押融资的不同阶段,对各阶段所存在的法律风险进行分析,并有针对性地提出了相应的风险防控措施。
Intellectual property pledge financing is an important way to solve the funding gap for science and technology SMEs and one of the effective means for commercial banks to develop such enterprises’ financing market. However, commercial banks should also pay close attention to the risks of such financing and prevent banks’ claims from being effectively paid off. This article analyzes the legal risks existing in each stage according to different stages of pledge financing of intellectual property from the perspective of law and puts forward corresponding risk prevention and control measures in a targeted manner.