中小企业普遍存在着融资难的问题,但是很多中小企业都有诸如知识产权之类的无形资产,于是我们考虑是不是可以将知识产权进行质押获得银行的贷款,目前,交通银行北京分行已经推出了这样一种服务,我们称之为北京模式,但是北京模式存在着很多互动关系,其中银行和中介机构的关系尤其重要,此篇文章就是对银行和中介机构之间的互动中的风险、成因、以及预防风险的措施几个角度加以论述。 SMEs generally have the problem of financing difficulties, but many SMEs have intangible assets such as intellectual property, so we consider whether it is possible to pledge intellectual property to obtain bank loans. At present, Bank of Communications Beijing Branch has launched Such a service, we call it the Beijing model, but there are many interactions between the Beijing model, of which the relationship between banks and intermediaries is particularly important, this article is the risk of banking and intermediary interactions, causes, And measures to prevent risks from several angles to be discussed.