构建我国知识产权质押融资保险制度之研究

发布时间：2018-10-12 19:44

【摘要】：知识产权质押作为一种新型的融资方式，不仅拓宽了知识产权的转化途径，加快了知识产权成果的转化，而且其对于推动我国知识经济的发展至关重要。2004年以来北京、上海、深圳等知识产权发展水平较好的地区率先开始了知识产权质押融资试点。试点中，知识产权质押融资中的风险控制和分散一直是各界研究的核心。目前，各地都采取了各具特色的措施来分散知识产权质押融资中的风险，具体有：引入担保机制、强化政府财政支持、规范知识产权价值评估等。毫无疑问，这些手段对知识产权质押融资中的风险控制起到了一定的积极的作用，推动了知识产权质押融资的发展。但是，随着试点的逐步深入，政府补贴和担保机构的问题开始逐渐凸显。于是，以分散风险为主要职能的保险开始引起学者们的关注，很多学者都提出了在知识产权质押融资中引入保险机制的设想。他们认为可以在知识产权质押融资中引入知识产权保险和信用保险。可是却鲜少有学者就知识产权质押融资中保险制度所面临的各种具体问题展开论述。在政府政策推动下，各地以知识产权保险和企业贷款保证保险为切入点，对知识产权质押融资试点中保险机制的引入进行了有益的尝试，并取得了一定的进展。但是，不管是知识产权保险还是贷款保证保险，因其在我国的发展时间都比较短，相关研究不足，市场对该两类险种不太熟悉等诸多原因，目前知识产权质押融资中保险机制引入的试点范围还比较小，参与的企业、银行、保险公司也比较少，相关保险业务推广还存在一定的问题。基于目前这种情况，本文拟从论证知识产权质押融资中保险机制引入的必要性和可行性入手，针对知识产权保险和企业贷款保证保险的基本内容，其定义的界定、与一般财产保险的区别、合同的基本内容等进行简要的概述，并结合知识产权质押融资中保险制度建立的现状，，分析在知识产权质押融资中构建保险机制所面临的问题。在以上分析的基础上，对完善知识产权质押融资中保险制度构建的外部环境和知识产权质押融资中保险制度构建的具体设计两个方面，提出自己的一些具体建议。
[Abstract]:As a new type of financing method, intellectual property pledge not only broadens the way of intellectual property transformation and accelerates the transformation of intellectual property achievements, but also plays an important role in promoting the development of knowledge economy in China. Shenzhen and other areas with a good level of intellectual property rights development took the lead in launching IPR pledge financing pilot projects. In the pilot project, risk control and dispersion in intellectual property pledge financing has been the core of research. At present, various measures have been taken to spread the risks in the financing of intellectual property pledge, such as introducing guarantee mechanism, strengthening government financial support, standardizing the evaluation of intellectual property value, and so on. There is no doubt that these methods play a positive role in the risk control of intellectual property pledge financing, and promote the development of intellectual property mortgage financing. However, with the gradual deepening of the pilot, the issue of government subsidies and guarantee agencies began to gradually highlight. Therefore, the insurance with decentralized risk as its main function has attracted the attention of scholars. Many scholars have put forward the idea of introducing insurance mechanism into intellectual property pledge financing. They believe that intellectual property insurance and credit insurance can be introduced into intellectual property pledge financing. However, few scholars discuss the specific problems faced by the insurance system in intellectual property pledge financing. Under the promotion of government policy, various localities have made a beneficial attempt to introduce the insurance mechanism in the pilot project of intellectual property pledge financing with intellectual property insurance and enterprise loan guarantee insurance as the starting point, and have made some progress. However, whether it is intellectual property insurance or loan guarantee insurance, because of its relatively short development time in our country, the lack of relevant research, the market is not very familiar with the two types of insurance, and so on. At present, the pilot scope of insurance mechanism introduced in intellectual property pledge financing is still relatively small, the participating enterprises, banks and insurance companies are also relatively few, and there are still some problems in the promotion of related insurance business. Based on this situation, this paper intends to demonstrate the necessity and feasibility of introducing the insurance mechanism in intellectual property mortgage financing, and define the definition of the basic content of intellectual property insurance and enterprise loan guarantee insurance. The difference from general property insurance, the basic content of contract and the current situation of the establishment of insurance system in intellectual property pledge financing are briefly summarized, and the problems faced in the construction of insurance mechanism in intellectual property pledge financing are analyzed. On the basis of the above analysis, this paper puts forward some concrete suggestions on improving the external environment of the insurance system construction in intellectual property mortgage financing and the concrete design of the insurance system construction in intellectual property mortgage financing.
【学位授予单位】：华东政法大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D923.2;D923.4

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