我国知识产权质押融资保证保险与信用保险制度构建研究

发布时间：2018-04-26 19:18

本文选题：知识产权质押融资 + 中小企业　；参考：《中国计量学院》2013年硕士论文

【摘要】：即使知识产权质押融资已然成为新时期缓解企业融资难题的新起之秀，但要广泛运用于科技型企业之中，尤其是运用于固定资产薄弱、抗风险能力相对较差的中小企业之中，其巨大风险仍不免让商业银行望而却步。如何克服知识产权融资的风险成为一个核心问题，我国依现有的多种风险防范模式存在不同程度的问题，，于是本文对于将保险机制引入知识产权质押融资进行了理论和实践的分析。美国、日本、欧洲等国将保险制度引入知识产权质押融资项目中已有历史，我国近年来也出台多项政策及法律法规支持该机制的构建，并在多批次知识产权质押融资试点城市中推进保险的运行。研究和实践证明，建立政府政策支持下的企业、银行、保险公司三方平台，扩大企业知识产权价值运用区间，利用保险转移、分摊、化解风险的功能分配知识产权质押融资中产生的风险，能有效提高银行的安全感和贷款积极性，促进科技型中小企业利用知识产权灵活融资，从而使知识产权运用更加多元化。但实践中有保险无出险，适用种类亦有限，知识产权质押融资保险的内容和运行机理仍是需要讨论的关键。因此，探讨我国知识产权质押融资中保证保险、信用保险和责任保险的制度设计，具有重要的理论价值和实践意义。
[Abstract]:Even though intellectual property pledge financing has become a new show to ease the financing problems of enterprises in the new era, it should be widely used in technology-based enterprises, especially in small and medium-sized enterprises with weak fixed assets and relatively poor ability to resist risks. Its huge risk still makes the commercial bank be deterred. How to overcome the risk of intellectual property financing has become a core problem. So this paper analyzes the theory and practice of introducing insurance mechanism into intellectual property pledge financing. The United States, Japan, Europe and other countries have a history of introducing the insurance system into intellectual property pledge financing projects. In recent years, China has also issued a number of policies and laws and regulations to support the construction of this mechanism. And in many lots of intellectual property rights pledge financing pilot cities to promote the operation of insurance. Research and practice have proved that the establishment of a tripartite platform for enterprises, banks and insurance companies supported by government policies, the expansion of the use of intellectual property value of enterprises, the use of insurance transfer, sharing, To resolve the function of risk allocation the risk arising from intellectual property mortgage financing can effectively improve the security of banks and loan enthusiasm and promote the use of intellectual property rights of small and medium-sized enterprises to make use of flexible financing so as to make the use of intellectual property rights more diversified. However, there is no insurance risk in practice, and the applicable types are limited. The content and operation mechanism of intellectual property pledge financing insurance are still the key to be discussed. Therefore, it is of great theoretical value and practical significance to discuss the system design of guarantee insurance, credit insurance and liability insurance in intellectual property pledge financing in China.
【学位授予单位】：中国计量学院
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D922.28;D923.4

【参考文献】