中国知识产权保险险种设计

发布时间：2018-03-21 22:26

本文选题：知识产权　切入点：知识产权保险　出处：《辽宁大学》2013年硕士论文　论文类型：学位论文

【摘要】：随着知识经济的飞速发展，知识产权，，作为个人或集体对其在科学、技术、文学领域里创造的精神财富依法享有的专有权，已成为影响国家和企业核心竞争力的关键因素。而由于知识产权是一种无形资产，在法律角度上具备专有性、时间性、地域性的特征，需要通过有效的途径进行风险的防范和规避，为知识产权的价值提供切实的安全保障。知识产权保险的标的为知识产权和由此引发的侵权责任，保险公司对这部分风险进行承保，可以弥补被保险人对第三人进行损失赔偿和支付相应的诉讼费用的经济损失，是保护知识产权的重要经济手段。然而，和国外已普遍应用知识产权保险相比，在我国，知识产权保险的发展尚处于起步阶段，专业人才和技术不足，大多数人们缺乏对知识产权的保护意识，通过知识产权保险切实保护知识产权，降低侵权风险与损失，仍然需要很长一段时间。鉴于这一现实，本文探讨了我国知识产权保险险种的设计理念与方案，针对在我国发展知识产权保险的优势，提出具体的营销方式，旨在分析在知识产权在国内市场的可行性以及推广前景。文章首先阐述了知识产权保险的基本概念，对知识产权保险及其特征与功能做了全面的介绍，并阐明知识产权保险险种的设计理念；在此基础上，分析国内市场的需求，研究知识产权风险识别与可保风险，设定保费以及赔偿限额；分析我国发展知识产权保险所具备的优势，并借鉴各国同类产品的发展经验；最后，着重分析知识产权保险在我国的推广方式,设计了保险产品的产品策略、定价策略、营销渠道、和促销策略。知识产权保险险种设计目前尚未得到广泛的实施，在理论上仍属于较新的课题，对于这一险种，国内保险行业尚未给予足够的重视，因此，本文所提出的设想与观点是一种可行性的探讨，仍然存在许多不足之处，仅作抱砖引玉，希望在今后的实践中能够进一步学习我国知识产权保险的有关知识。
[Abstract]:With the rapid development of knowledge economy, intellectual property rights, as an individual or collective in the field of science, technology, literature and the creation of spiritual wealth to enjoy the exclusive right, Since intellectual property is an intangible asset, it has the characteristics of proprietary, temporal and regional in the legal perspective, and has become a key factor affecting the core competitiveness of the country and the enterprise, and because intellectual property is an intangible asset, it has the characteristics of proprietary, temporal and regional in the legal perspective. It is necessary to take effective measures to prevent and avoid risks, and to provide effective security for the value of intellectual property. The subject matter of intellectual property insurance is intellectual property and the tort liability arising therefrom. The insurance company underwriting this part of the risk can compensate the insured for the loss compensation to the third party and pay the corresponding litigation expenses. It is an important economic means to protect intellectual property rights. Compared with the general application of intellectual property insurance in foreign countries, the development of intellectual property insurance in China is still in its infancy, with insufficient professional personnel and technology, and most people lack awareness of the protection of intellectual property rights. It still takes a long time to protect intellectual property through intellectual property insurance and reduce the risk of infringement and loss. In view of this reality, this paper discusses the design concept and scheme of intellectual property insurance in China, and puts forward specific marketing methods in view of the advantages of developing intellectual property insurance in China. The purpose of this paper is to analyze the feasibility and promotion prospect of intellectual property in the domestic market. Firstly, this paper expounds the basic concept of intellectual property insurance, and gives a comprehensive introduction to intellectual property insurance and its characteristics and functions. On the basis of analyzing the demand of the domestic market, the paper studies the risk identification and insurable risk of intellectual property, and sets the premium and compensation limit. This paper analyzes the advantages of the development of intellectual property insurance in China, and draws lessons from the development experience of similar products in various countries. Finally, it analyzes the promotion of intellectual property insurance in China, and designs the product strategy and pricing strategy of insurance products. Marketing channel, and promotion strategy. At present, the design of intellectual property insurance has not been widely implemented, and it is still a relatively new subject in theory. The domestic insurance industry has not paid enough attention to this kind of insurance, so, The assumption and viewpoint put forward in this paper is a feasible discussion, and there are still many shortcomings. It is hoped that we can further study the relevant knowledge of intellectual property insurance in our country in the future practice.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.681

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