Abstract: A financing model for IP pledges provides SMEs with a new financing channel. However, the pledge financing process is faced with a variety of complex uncertainties, which also affects the scope of China's financing business. Firstly, this paper discusses the risks that may be faced by four entities: financing companies, financial institutions, intellectual property rights, and third party institutions in the financing process. Secondly, a relational network of risk influencing factors is established, and the weights of the influencing factors are calculated according to the analytic hierarchy process. Finally, the vensim PLE software is used to dynamically simulate the flow chart of the IP pledge financing system to obtain a description of the future behavior of the system under the influence of different influencing factors, in order to seek targeted improvements in the financing risk.

摘要： 知识产权质押融资模式的产生为中小企业融资提供了新的渠道，各种复杂的不确定性风险的存在影响了该业务的大范围开展。本文首先从中小企业、金融机构、知识产权自身、第三方机构四个角度识别了融资过程中可能面临的风险因素，建立起风险影响因素的形成机理因果关系网络，然后依据层次分析法计算影响因素的权重，确定影响因素之间的影响关系；最后，运用vensim PLE软件进行动力学系统模型分析，对知识产权质押融资系统流图进行动态的仿真模拟，获得不同影响因素影响下系统未来行为的描述，以此寻求有针对性地改善和防范融资风险的机会。