A Study on the Risk Influencing Factors of Intellectual Property Pledge Financing:A Perspective from System Dynamics
Intellectual property(IP)pledge financing operates within a multivariable systemic mechanism,where various stakeholders and subjects are interconnected through complex feedback loops.Identifying the risks associated with IP pledge financing from a systemic perspective is of significant value.This paper charac-terizes the risks of IP pledge financing from five dimensions:enterprises,banks,third-party institutions,government,and the IP itself.It employs the Analytic Hierarchy Process(AHP)to establish indicator weights and construct a risk identification model,illustrating the interplay and feedback mechanisms among subsys-tems,followed by simulation using a system dynamics model.The study finds that the risks in IP pledge finan-cing are complex and require consideration of overall risks,without overlooking the indirect effects of variables through systemic feedback mechanisms.Moreover,simulation results indicate that economic policies have mul-tiple feedback mechanisms on systemic risks,with instability exacerbating risks,while effective incentives and risk compensation measures contribute to the development of IP pledge financing activities.
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