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科技型中小企业拥有大量自主研发的专利权,如果能将其转化为生产发展资金,会有效缓解科技型企业的资金短缺问题。通过专利权质押贷款风险二级模糊综合评价模型进行分析,说明基于熵权的模糊评价法,是一种对不确定性较高的专利权质押贷款风险评估的有效探索,可为商业银行专利权质押贷款风险决策提供参考。
Small and medium-sized technology-based SMEs have a large number of patents developed independently. If they can be converted into production and development funds, they will effectively alleviate the shortage of funds in science and technology enterprises. Through the analysis of the second-level fuzzy comprehensive evaluation model of the pledge loan risk of patent, the fuzzy evaluation method based on the entropy weight is an effective exploration of the risk assessment of pledged patent rights with high uncertainty. It can be used for the patent right of commercial banks Pledge loan risk decision-making.