知识产权质押融资法律风险控制机制研究

发布时间：2018-10-31 11:23

【摘要】：知识产权质押融资是指债务人或者第三人依法将其知识产权中可转让的财产权作为质押标的,向银行等金融机构获取资金的一种融资方式。债务人不履行到期债务或者发生当事人约定的实现质权的情形时,债权人有权将质押物依法拍卖、变卖或者折价,并就该价款优先受偿。随着知识产权的价值逐渐被人们所认识,知识产权质押融资业务也步入了大众的视线范围,成为我国科技型中小企业获取资金的重要途径之一。但因知识产权存在权利的不稳定性、相关制度不完善等因素,给知识产权质押融资带了巨大的法律风险,让拥有知识产权的企业很难从金融机构获取贷款。知识产权质押融资法律风险控制机制的出现能够在一定程度上化解金融机构面临的风险,缓解融资难问题。知识产权质押融资法律风险控制机制是一项全新的制度,但缺乏系统的理论研究和配套的法律法规的具体规定,给实际操作与运行带来了困难,因此有必要进行理论上的研究。首先,对知识产权质押融资基本理论与现存法律风险及其控制进行基本理论研究。其次,就国内外现行的风险控制机制进行对比分析并提出现存机制的不足。最后,进行知识产权质押资融法律风险控制机制构建研究。机制借鉴国外发达国家的实践经验,从法律层面、政府层面与金融层面三个方面进行构建,并重点引入保险制度,从而达到降低知识产权融资风险、提升融资活跃度、改善融资结构等效果,通过法律风险控制机制的实施最终达到缓解中小企业融资困难的局面。
[Abstract]:Intellectual property rights pledge financing is a kind of financing way that the debtor or the third party take the transferable property right in their intellectual property rights as the pledge subject and obtain funds from banks and other financial institutions according to law. In the event that the debtor fails to perform the debts due or the parties agree to realize the pledge, the creditor shall have the right to auction, sell or discount the pledged property in accordance with the law, and shall be given priority in respect of the payment of such price. As the value of intellectual property has been gradually recognized, intellectual property pledge financing business has also stepped into the scope of sight of the public, and has become one of the important ways for small and medium-sized scientific and technological enterprises to obtain funds. However, due to the instability of intellectual property rights and the imperfect system, the pledge financing of intellectual property rights has a huge legal risk, which makes it difficult for enterprises with intellectual property rights to obtain loans from financial institutions. The emergence of legal risk control mechanism of intellectual property pledge financing can resolve the risks faced by financial institutions to a certain extent and alleviate the financing difficulties. The legal risk control mechanism of intellectual property pledge financing is a new system, but the lack of systematic theoretical research and specific provisions of supporting laws and regulations has brought difficulties to the actual operation and operation, so it is necessary to carry out theoretical research. Firstly, the basic theory of intellectual property pledge financing and the existing legal risk and its control are studied. Secondly, the current risk control mechanisms at home and abroad are compared and analyzed, and the shortcomings of the existing mechanisms are put forward. Finally, the legal risk control mechanism of intellectual property pledge financing is studied. The mechanism draws lessons from the practical experience of foreign developed countries, constructs from the legal level, the government level and the financial level, and introduces the insurance system emphatically, so as to reduce the risk of intellectual property financing and enhance the financing activity. Through the implementation of the legal risk control mechanism, the financing difficulties of small and medium-sized enterprises can be alleviated.
【学位授予单位】：南京理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D923.4;D922.28

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