本文選題：知識產(chǎn)權(quán)質(zhì)押融資 + 中小企業(yè)　； 參考：《中國計(jì)量學(xué)院》2013年碩士論文

【摘要】：即使知識產(chǎn)權(quán)質(zhì)押融資已然成為新時(shí)期緩解企業(yè)融資難題的新起之秀，但要廣泛運(yùn)用于科技型企業(yè)之中，尤其是運(yùn)用于固定資產(chǎn)薄弱、抗風(fēng)險(xiǎn)能力相對較差的中小企業(yè)之中，其巨大風(fēng)險(xiǎn)仍不免讓商業(yè)銀行望而卻步。如何克服知識產(chǎn)權(quán)融資的風(fēng)險(xiǎn)成為一個(gè)核心問題，我國依現(xiàn)有的多種風(fēng)險(xiǎn)防范模式存在不同程度的問題，，于是本文對于將保險(xiǎn)機(jī)制引入知識產(chǎn)權(quán)質(zhì)押融資進(jìn)行了理論和實(shí)踐的分析。美國、日本、歐洲等國將保險(xiǎn)制度引入知識產(chǎn)權(quán)質(zhì)押融資項(xiàng)目中已有歷史，我國近年來也出臺多項(xiàng)政策及法律法規(guī)支持該機(jī)制的構(gòu)建，并在多批次知識產(chǎn)權(quán)質(zhì)押融資試點(diǎn)城市中推進(jìn)保險(xiǎn)的運(yùn)行。研究和實(shí)踐證明，建立政府政策支持下的企業(yè)、銀行、保險(xiǎn)公司三方平臺，擴(kuò)大企業(yè)知識產(chǎn)權(quán)價(jià)值運(yùn)用區(qū)間，利用保險(xiǎn)轉(zhuǎn)移、分?jǐn)偂⒒怙L(fēng)險(xiǎn)的功能分配知識產(chǎn)權(quán)質(zhì)押融資中產(chǎn)生的風(fēng)險(xiǎn)，能有效提高銀行的安全感和貸款積極性，促進(jìn)科技型中小企業(yè)利用知識產(chǎn)權(quán)靈活融資，從而使知識產(chǎn)權(quán)運(yùn)用更加多元化。但實(shí)踐中有保險(xiǎn)無出險(xiǎn)，適用種類亦有限，知識產(chǎn)權(quán)質(zhì)押融資保險(xiǎn)的內(nèi)容和運(yùn)行機(jī)理仍是需要討論的關(guān)鍵。因此，探討我國知識產(chǎn)權(quán)質(zhì)押融資中保證保險(xiǎn)、信用保險(xiǎn)和責(zé)任保險(xiǎn)的制度設(shè)計(jì)，具有重要的理論價(jià)值和實(shí)踐意義。
[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.
【學(xué)位授予單位】：中國計(jì)量學(xué)院
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：D922.28;D923.4

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