宋河发,廖奕驰.专利质押贷款保险模式与政策研究[J].中国科学院院刊,2018,33(3):242-248.

专利质押贷款保险模式与政策研究

Model and Policy Research for Patent Pledge Insurance
作者
宋河发
中国科学院科技战略咨询研究院 北京 100190;中国科学院大学 知识产权学院 北京 100049
SONG Hefa
Institutes of Science and Development, Chinese Academy of Sciences, Beijing 100190, China;School of Intellectual Property, University of Chinese Academy of Sciences, Beijing 100049, China
廖奕驰
中国科学院科技战略咨询研究院 北京 100190;中国科学院大学 知识产权学院 北京 100049;中国科学院大学 中丹学院 北京 100049
LIAO Yichi
Institutes of Science and Development, Chinese Academy of Sciences, Beijing 100190, China;School of Intellectual Property, University of Chinese Academy of Sciences, Beijing 100049, China;Sino-Danish College, University of Chinese Academy of Sciences, Beijing 100049, China
中文关键词
         科技成果转化;专利;质押贷款;保险政策
英文关键词
        scientific and technological achievements transformation;patent;pledge;insurance policy
中文摘要
        制定和实施专利质押融资保险政策,是促进知识产权运用、建设知识产权强国的重要举措。文章总结了我国促进专利质押贷款保险的相关法规政策,梳理了美国、日本制定实施的专利质押贷款风险分担政策,运用保险精算的一般原理和方法研究了我国专利质押贷款保险的运用条件和模式,提出了发展专利质押贷款保险的政策建议:建立专利质押贷款保险损失补贴和保费补贴制度,对未出险贷款项目给予奖励,提高金融机构参保积极性,减轻逆淘汰问题;建立严格的风险评估制度,提升保险公司对专利和贷款的风险评估能力;进一步提高专利质量,降低金融机构的损失和保险费率。
英文摘要
        Formulating and implementing the patent pledge insurance policy is an important measure to effectively promoting intellectual property (IP) right utilization and constructing the power IP nation. This paper summarizes the relevant laws and policies for the development of patent pledge insurance in China, sorts out the risk-sharing policy of patent pledge that some developed countries have formulated and implemented, uses the general principle and method to research the implemented conditions and models of patent pledged insurance, and puts forward some policy recommendations to developing the patent pledge insurance. The government shall subsidy the financial institutions which insure the patent pledge insurance and reward institutions which have no insurance claim occurred from the insurance funds or guarantee funds. It is needed to establish a rigorous risk evaluating system to enhance the patent quality and loan risk evaluating ability for insurance institutions. China also shall speed up the implementation of patent quality improvement project to reduce the loss of financial institutions and insurance rate.
DOI10.16418/j.issn.1000-3045.2018.03.003
作者简介
宋河发 中国科学院科技战略咨询研究院研究员,中国科学院大学知识产权学院副院长、教授,中国科学院知识产权研究与培训中心副主任,中国科学学与科技政策研究会知识产权政策专业委员会副主任。主要研究领域为知识产权和创新政策。
E-mail:hfsong@casipm.ac.cn
SONG Hefa Professor of the Institutes of Science and Development of Chinese Academy of Sciences (CAS),Deputy Dean and Professor of UCAS,Deputy Director of the Center for Intellectual Property Right Research and Training of CAS,and Deputy Director of Intellectual Property Policy Committee of China Science of Science and Technology Policy Research Association.His research areas are intellectual property right (IPR) and innovation policy.
E-mail:hfsong@casipm.ac.cn
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