【摘要】：中小企業(yè)尤其是高新技術(shù)中小企業(yè)可以通過(guò)知識(shí)產(chǎn)權(quán)擔(dān)保的方式解決融資難題,這一融資方法和知識(shí)產(chǎn)權(quán)證券化融資、信用擔(dān)保融資相比門檻比較低,成本也比較低,且能夠充分發(fā)揮中小企業(yè)知識(shí)產(chǎn)權(quán)的作用。但是中小企業(yè)知識(shí)產(chǎn)權(quán)擔(dān)保融資最大的難題是風(fēng)險(xiǎn)控制,由于在知識(shí)產(chǎn)權(quán)擔(dān)保融資過(guò)程中,知識(shí)產(chǎn)權(quán)的價(jià)值評(píng)估與風(fēng)險(xiǎn)評(píng)估比較困難,因此銀行作為中小企業(yè)知識(shí)產(chǎn)權(quán)擔(dān)保融資法律關(guān)系中的重要一方將承受巨大的風(fēng)險(xiǎn)。本課題即針對(duì)這一法律問(wèn)題展開(kāi)研究,尤其對(duì)我國(guó)中小企業(yè)知識(shí)產(chǎn)權(quán)擔(dān)保融資中的價(jià)值評(píng)估、風(fēng)險(xiǎn)評(píng)估法律問(wèn)題展開(kāi)深入的探討,并且在此基礎(chǔ)上對(duì)我國(guó)中小企業(yè)知識(shí)產(chǎn)權(quán)擔(dān)保融資法律制度的完善提出些許建議。本課題主要分為如下部分:緒論部分。緒論部分簡(jiǎn)單交代了本課題的研究背景以及學(xué)術(shù)界對(duì)本課題的研究現(xiàn)狀,并且對(duì)本課題的研究?jī)?nèi)容、研究方法和創(chuàng)新點(diǎn)進(jìn)行了介紹。第一章是中小企業(yè)知識(shí)產(chǎn)權(quán)擔(dān)保融資的必要性、可行性。本部分主要對(duì)我國(guó)當(dāng)前背景下中小企業(yè)知識(shí)產(chǎn)權(quán)擔(dān)保融資的必要性、可行性以及意義進(jìn)行了簡(jiǎn)要的分析,其中還對(duì)中小企業(yè)知識(shí)產(chǎn)權(quán)擔(dān)保融資的基本原理有所闡述;第二章是中小企業(yè)知識(shí)產(chǎn)權(quán)擔(dān)保融資的標(biāo)的。本部分主要從法律關(guān)系原理出發(fā),探討了中小企業(yè)知識(shí)產(chǎn)權(quán)擔(dān)保融資的標(biāo)的,且對(duì)中小企業(yè)知識(shí)產(chǎn)權(quán)擔(dān)保融資的運(yùn)作過(guò)程也進(jìn)行了研究,揭示了中小企業(yè)知識(shí)產(chǎn)權(quán)擔(dān)保融資的流程與重點(diǎn)。第三章是我國(guó)當(dāng)前中小企業(yè)擔(dān)保融資而臨的障礙。本章主要結(jié)合案例對(duì)我國(guó)中小企業(yè)知識(shí)產(chǎn)權(quán)擔(dān)保融資過(guò)程中遇到的問(wèn)題進(jìn)行分析,并且反思當(dāng)前我國(guó)中小企業(yè)知識(shí)產(chǎn)權(quán)擔(dān)保融資過(guò)程中面臨的障礙,認(rèn)為主要障礙在于中小企業(yè)知識(shí)產(chǎn)權(quán)擔(dān)保融資中的銀行風(fēng)險(xiǎn)問(wèn)題沒(méi)有得到妥善解決,導(dǎo)致銀行不敢放貸或者銀行面臨巨大的風(fēng)險(xiǎn);第四章是健全我國(guó)中小企業(yè)知識(shí)產(chǎn)權(quán)擔(dān)保融資制度的建議。本章主要結(jié)合上文的研究成果,對(duì)我國(guó)中小企業(yè)知識(shí)產(chǎn)權(quán)擔(dān)保融資法律制度的完善展開(kāi)了分析,尤其是對(duì)如何完善價(jià)值評(píng)估機(jī)制與風(fēng)險(xiǎn)評(píng)估機(jī)制進(jìn)行了解析。同時(shí)還對(duì)如何發(fā)揮政府與政策在中小企業(yè)知識(shí)產(chǎn)權(quán)擔(dān)保融資中的作用提出了一些建議。
[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.
【學(xué)位授予單位】：中國(guó)政法大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2011
【分類號(hào)】：D923.4;F275

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本文編號(hào)：2418978