面对科技型小微企业普遍缺少有形资产导致融资难、融资贵的问题,山东省2014年开始推动知识产权质押贷款,成功帮助一批掌握自主知识产权的企业以较低成本满足了资金需求。专家和基层干部认为,科技型小微企业的创新是提升科技进步对经济发展贡献率的重要动力,以专利、知识产权等无形资产进行融资符合“大众创业,万众创新”的趋势。建议政府部门在风险补偿、监管政策等方面给予支持,并强化知识产权评估体系、知识产权交易 The face of the general lack of small and medium-sized technology-based enterprises led to difficult financing, financing problems, Shandong Province in 2014 began to promote intellectual property pledged loans to help a group of companies with independent intellectual property rights to meet the funding needs at a lower cost. Experts and grassroots cadres believe that the innovation of small and medium-sized science and technology enterprises is an important impetus to enhancing the contribution of technological progress to economic development. Financing with such intangible assets as patents and intellectual property accords with the trend of “mass entrepreneurship and innovation”. It is suggested that government departments should support such measures as risk compensation and regulatory policies and strengthen the intellectual property evaluation system and intellectual property transactions