Research On The Construction Of Chinese Intellectual Property Pledge Financing Guarantee Insurance And Credit Insurance

Even if the IP financing has become the new star to alleviate theproblems of financing at the present, but to be widely used in science andtechnology enterprises， especially used in science and technology SMEswhose fixed assets is shoot and anti-risk ability is weak, the huge risk stillmakes commercial banks to step back. China’s existing multiple risk modelshave many problems, so this paper analyzes the theory and practices about theinsurance into the pledge of IP financing. The United States, Japan, Europeand some other countries have been put the insurances into the pledge of IPfinancing for many years. In recent years, China has promulgated policies andlaws to support the insurances, and has chosen from a number of pilot citiesfor those insurances. The research and the practice prove, setting up thethree-parties-platform, including the government, enterprises, banks andinsurance companies, can expand the functions of the companies’ IPs. thethree-parties-platform also can use the functions of insurances (such asfunctions of transfering, sharing and reducing risks)to distribution risks ofIP pledge financing, effectively enhance the sense of security and enthusiasmof banks, promote IPs of the science and technology SMEs, and make IPsdiversification. But in practice,there is no loss and less species.Contents and operation principles of IP financing insurances are thekeys to discuss. Therefore, researching on the system of China aboutthe guarantee insurance, credit insurance and liability insurance in thepledge of IP financing, has important value.