【摘要】：知識(shí)產(chǎn)權(quán)質(zhì)押作為一種新型的融資方式，不僅拓寬了知識(shí)產(chǎn)權(quán)的轉(zhuǎn)化途徑，加快了知識(shí)產(chǎn)權(quán)成果的轉(zhuǎn)化，而且其對(duì)于推動(dòng)我國(guó)知識(shí)經(jīng)濟(jì)的發(fā)展至關(guān)重要。2004年以來(lái)北京、上海、深圳等知識(shí)產(chǎn)權(quán)發(fā)展水平較好的地區(qū)率先開(kāi)始了知識(shí)產(chǎn)權(quán)質(zhì)押融資試點(diǎn)。試點(diǎn)中，知識(shí)產(chǎn)權(quán)質(zhì)押融資中的風(fēng)險(xiǎn)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來(lái)分散知識(shí)產(chǎn)權(quán)質(zhì)押融資中的風(fēng)險(xiǎn)，具體有：引入擔(dān)保機(jī)制、強(qiáng)化政府財(cái)政支持、規(guī)范知識(shí)產(chǎn)權(quán)價(jià)值評(píng)估等。毫無(wú)疑問(wèn)，這些手段對(duì)知識(shí)產(chǎn)權(quán)質(zhì)押融資中的風(fēng)險(xiǎn)控制起到了一定的積極的作用，推動(dòng)了知識(shí)產(chǎn)權(quán)質(zhì)押融資的發(fā)展。 但是，隨著試點(diǎn)的逐步深入，政府補(bǔ)貼和擔(dān)保機(jī)構(gòu)的問(wèn)題開(kāi)始逐漸凸顯。于是，以分散風(fēng)險(xiǎn)為主要職能的保險(xiǎn)開(kāi)始引起學(xué)者們的關(guān)注，很多學(xué)者都提出了在知識(shí)產(chǎn)權(quán)質(zhì)押融資中引入保險(xiǎn)機(jī)制的設(shè)想。他們認(rèn)為可以在知識(shí)產(chǎn)權(quán)質(zhì)押融資中引入知識(shí)產(chǎn)權(quán)保險(xiǎn)和信用保險(xiǎn)�？墒菂s鮮少有學(xué)者就知識(shí)產(chǎn)權(quán)質(zhì)押融資中保險(xiǎn)制度所面臨的各種具體問(wèn)題展開(kāi)論述。在政府政策推動(dòng)下，各地以知識(shí)產(chǎn)權(quán)保險(xiǎn)和企業(yè)貸款保證保險(xiǎn)為切入點(diǎn)，對(duì)知識(shí)產(chǎn)權(quán)質(zhì)押融資試點(diǎn)中保險(xiǎn)機(jī)制的引入進(jìn)行了有益的嘗試，并取得了一定的進(jìn)展。但是，不管是知識(shí)產(chǎn)權(quán)保險(xiǎn)還是貸款保證保險(xiǎn)，因其在我國(guó)的發(fā)展時(shí)間都比較短，相關(guān)研究不足，市場(chǎng)對(duì)該兩類(lèi)險(xiǎn)種不太熟悉等諸多原因，目前知識(shí)產(chǎn)權(quán)質(zhì)押融資中保險(xiǎn)機(jī)制引入的試點(diǎn)范圍還比較小，參與的企業(yè)、銀行、保險(xiǎn)公司也比較少，相關(guān)保險(xiǎn)業(yè)務(wù)推廣還存在一定的問(wèn)題。 基于目前這種情況，本文擬從論證知識(shí)產(chǎn)權(quán)質(zhì)押融資中保險(xiǎn)機(jī)制引入的必要性和可行性入手，針對(duì)知識(shí)產(chǎn)權(quán)保險(xiǎn)和企業(yè)貸款保證保險(xiǎn)的基本內(nèi)容，其定義的界定、與一般財(cái)產(chǎn)保險(xiǎn)的區(qū)別、合同的基本內(nèi)容等進(jìn)行簡(jiǎn)要的概述，并結(jié)合知識(shí)產(chǎn)權(quán)質(zhì)押融資中保險(xiǎn)制度建立的現(xiàn)狀，，分析在知識(shí)產(chǎn)權(quán)質(zhì)押融資中構(gòu)建保險(xiǎn)機(jī)制所面臨的問(wèn)題。在以上分析的基礎(chǔ)上，對(duì)完善知識(shí)產(chǎn)權(quán)質(zhì)押融資中保險(xiǎn)制度構(gòu)建的外部環(huán)境和知識(shí)產(chǎn)權(quán)質(zhì)押融資中保險(xiǎn)制度構(gòu)建的具體設(shè)計(jì)兩個(gè)方面，提出自己的一些具體建議。
[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.
【學(xué)位授予單位】：華東政法大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：D923.2;D923.4

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