中小企业知识产权担保融资的法律问题研究
发布时间：2019-02-09 12:51
【摘要】：中小企业尤其是高新技术中小企业可以通过知识产权担保的方式解决融资难题,这一融资方法和知识产权证券化融资、信用担保融资相比门槛比较低,成本也比较低,且能够充分发挥中小企业知识产权的作用。但是中小企业知识产权担保融资最大的难题是风险控制,由于在知识产权担保融资过程中,知识产权的价值评估与风险评估比较困难,因此银行作为中小企业知识产权担保融资法律关系中的重要一方将承受巨大的风险。本课题即针对这一法律问题展开研究,尤其对我国中小企业知识产权担保融资中的价值评估、风险评估法律问题展开深入的探讨,并且在此基础上对我国中小企业知识产权担保融资法律制度的完善提出些许建议。本课题主要分为如下部分:绪论部分。绪论部分简单交代了本课题的研究背景以及学术界对本课题的研究现状,并且对本课题的研究内容、研究方法和创新点进行了介绍。第一章是中小企业知识产权担保融资的必要性、可行性。本部分主要对我国当前背景下中小企业知识产权担保融资的必要性、可行性以及意义进行了简要的分析,其中还对中小企业知识产权担保融资的基本原理有所阐述;第二章是中小企业知识产权担保融资的标的。本部分主要从法律关系原理出发,探讨了中小企业知识产权担保融资的标的,且对中小企业知识产权担保融资的运作过程也进行了研究,揭示了中小企业知识产权担保融资的流程与重点。第三章是我国当前中小企业担保融资而临的障碍。本章主要结合案例对我国中小企业知识产权担保融资过程中遇到的问题进行分析,并且反思当前我国中小企业知识产权担保融资过程中面临的障碍,认为主要障碍在于中小企业知识产权担保融资中的银行风险问题没有得到妥善解决,导致银行不敢放贷或者银行面临巨大的风险;第四章是健全我国中小企业知识产权担保融资制度的建议。本章主要结合上文的研究成果,对我国中小企业知识产权担保融资法律制度的完善展开了分析,尤其是对如何完善价值评估机制与风险评估机制进行了解析。同时还对如何发挥政府与政策在中小企业知识产权担保融资中的作用提出了一些建议。
[Abstract]:Small and medium-sized enterprises, especially high-tech SMEs, can solve their financing problems by means of intellectual property rights guarantee. This financing method has a lower threshold and lower cost than that of intellectual property securitization, credit guarantee financing. And can give full play to the role of intellectual property rights of small and medium-sized enterprises. However, the biggest problem of intellectual property guarantee financing for small and medium-sized enterprises is risk control, because in the process of intellectual property guarantee financing, it is difficult to evaluate the value and risk of intellectual property. Therefore, banks as an important party in the legal relationship of intellectual property guarantee financing of SMEs will bear huge risks. This topic aims at this legal question to carry on the research, especially to our country small and medium-sized enterprise intellectual property right guarantees the financing value appraisal, the risk appraisal legal question carries on the thorough discussion. On the basis of this, some suggestions are put forward to perfect the legal system of intellectual property guarantee financing for small and medium-sized enterprises in China. This subject is mainly divided into the following parts: introduction part. The introduction gives a brief account of the research background and the current situation of academic research on this subject, and introduces the research contents, research methods and innovation points of this subject. The first chapter is the necessity and feasibility of intellectual property guarantee financing for SMEs. This part mainly analyzes the necessity, feasibility and significance of intellectual property guarantee financing for SMEs under the current background of our country, and expounds the basic principle of intellectual property guarantee financing for SMEs. The second chapter is the target of intellectual property guarantee financing. This part mainly starts from the principle of legal relationship, discusses the target of intellectual property guarantee financing of SMEs, and also studies the operation process of intellectual property guaranteed financing of SMEs. This paper reveals the process and emphasis of intellectual property guarantee financing in small and medium-sized enterprises. The third chapter is the current SMEs guarantee financing obstacles. This chapter mainly analyzes the problems encountered in the process of intellectual property guarantee financing of small and medium-sized enterprises in our country, and reflects on the obstacles in the process of intellectual property guarantee financing of small and medium-sized enterprises in our country. The main obstacle is that the bank risk problem in intellectual property guarantee financing of small and medium-sized enterprises has not been solved properly, which leads to the banks not dare to lend or the banks are facing huge risks. The fourth chapter is to improve the intellectual property rights guarantee financing system of small and medium-sized enterprises in China. This chapter analyzes the perfection of the legal system of intellectual property guarantee financing for small and medium-sized enterprises in China, especially how to perfect the mechanism of value evaluation and risk assessment. At the same time, some suggestions on how to play the role of government and policy in SME intellectual property guarantee financing are put forward.
【学位授予单位】：中国政法大学
【学位级别】：硕士
【学位授予年份】：2011
【分类号】：D923.4;F275
本文编号：2418978
[Abstract]:Small and medium-sized enterprises, especially high-tech SMEs, can solve their financing problems by means of intellectual property rights guarantee. This financing method has a lower threshold and lower cost than that of intellectual property securitization, credit guarantee financing. And can give full play to the role of intellectual property rights of small and medium-sized enterprises. However, the biggest problem of intellectual property guarantee financing for small and medium-sized enterprises is risk control, because in the process of intellectual property guarantee financing, it is difficult to evaluate the value and risk of intellectual property. Therefore, banks as an important party in the legal relationship of intellectual property guarantee financing of SMEs will bear huge risks. This topic aims at this legal question to carry on the research, especially to our country small and medium-sized enterprise intellectual property right guarantees the financing value appraisal, the risk appraisal legal question carries on the thorough discussion. On the basis of this, some suggestions are put forward to perfect the legal system of intellectual property guarantee financing for small and medium-sized enterprises in China. This subject is mainly divided into the following parts: introduction part. The introduction gives a brief account of the research background and the current situation of academic research on this subject, and introduces the research contents, research methods and innovation points of this subject. The first chapter is the necessity and feasibility of intellectual property guarantee financing for SMEs. This part mainly analyzes the necessity, feasibility and significance of intellectual property guarantee financing for SMEs under the current background of our country, and expounds the basic principle of intellectual property guarantee financing for SMEs. The second chapter is the target of intellectual property guarantee financing. This part mainly starts from the principle of legal relationship, discusses the target of intellectual property guarantee financing of SMEs, and also studies the operation process of intellectual property guaranteed financing of SMEs. This paper reveals the process and emphasis of intellectual property guarantee financing in small and medium-sized enterprises. The third chapter is the current SMEs guarantee financing obstacles. This chapter mainly analyzes the problems encountered in the process of intellectual property guarantee financing of small and medium-sized enterprises in our country, and reflects on the obstacles in the process of intellectual property guarantee financing of small and medium-sized enterprises in our country. The main obstacle is that the bank risk problem in intellectual property guarantee financing of small and medium-sized enterprises has not been solved properly, which leads to the banks not dare to lend or the banks are facing huge risks. The fourth chapter is to improve the intellectual property rights guarantee financing system of small and medium-sized enterprises in China. This chapter analyzes the perfection of the legal system of intellectual property guarantee financing for small and medium-sized enterprises in China, especially how to perfect the mechanism of value evaluation and risk assessment. At the same time, some suggestions on how to play the role of government and policy in SME intellectual property guarantee financing are put forward.
【学位授予单位】：中国政法大学
【学位级别】：硕士
【学位授予年份】：2011
【分类号】：D923.4;F275
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