The Influencing Factors of Intellectual Property Pledge Loan Trust: A Social Network Theory-Based Experimental Study

Abstract

This paper studies the behavior of intellectual property pledge loan based on a specific social network and uses the method of experimental research to analyze the impact of factors on the comprehensive trust of intellectual property pledge loan. The results show that if direct cooperation records between enterprises and banks are complete, the larger the scale of cooperation, the higher the trust of intellectual property pledge loans, and the nearer the cooperation record to the present time, the greater the credibility of enterprise cooperation. If there is no direct cooperation record between enterprises and banks, or cooperation record is incomplete, in accordance with the trust evaluation of the recommended members on the intellectual property pledge loan enterprise, the smaller the degree of trust at a certain recommendation node, the lower the credibility of enterprises at this node correspondingly, and the lower the perceived risk tolerance of banks, the lower the cooperation satisfaction in the intellectual property pledge loan enterprises.