Study On The Construction Of China’s Intellectual Property Pledge Financing Insurance System

Intellectual property mortgage as a new way of financing, broaden thetransforming channels of knowledge property right, speed up the transformation ofachievements of intellectual property rights, is very important to promote thedevelopment of knowledge economy in our country. Since2004, Beijing, Shanghai,Shenzhen and other districts where have a higher level of intellectual propertydevelopment first began a pilot program of intellectual property mortgage. In the pilot,risk control and dispersion is the core of the research from all walks of life. At present,every regional takes certain measures to spread risk, including the introduction ofguarantee mechanism, the specification of intellectual property value assessment,dependent on government financial support, etc. These means played a positive role inthe risk control process of intellectual property mortgage, promote the development ofintellectual property mortgage. However, with the deepening of the pilot, the problemof government subsidies and guarantee agencies began to stand out. So, the insuranceregard risk dispersion as the main function began to attract the attention of theresearchers, many researchers puts forward idea of introducing insurance mechanismin the pilot program of intellectual property mortgage，concretely speaking, includingIntellectual property insurance and Guarantee insurance. However, there are fewscholars expand the discussion about intellectual property pledge financing insurance system of specific issues. Under the impetus of the government policy，every districttake intellectual property insurance and guarantee insurance of enterprises’ loans asthe breakthrough point, trying to introduce insurance mechanism in the pilot programof intellectual property, and some progress has been making progress. However,Whether intellectual property insurance or guarantee insurance of enterprises’ loansdevelops only a short time in our country, there are some difficulty in promoting them:related research is insufficient, the market isn’t familiar with the two types ofinsurance, the scope of the pilot is relatively small, only a few enterprises, banks andinsurance companies involved in the pilot.With that in mind, this article intends to start with the analysis of the necessityand feasibility of introduction insurance mechanism in the pilot program ofintellectual property mortgage. Discuss the operating mode of intellectual propertyinsurance and guarantee insurance of enterprises’ loans in intellectual propertymortgage, based on the analysis of the basic content of this two kind of insurance.And analysis of the possible obstacles in the process of introduction of insurancemechanism in intellectual property mortgage, including a brief introduction about theconcept of the insurance，their difference with the general property insurance, andgeneral property insurance, the basic content of the contract. Combined with thepresentation of the current situation about the insurance system established in the pilotprogram of intellectual property mortgage. Finally, given some suggestions aboutbuilding insurance system in the process of intellectual property mortgage. And on thebasis of the analysis and appraisal of the former parts, from two angles, improve theexternal environment and specific designs, put forward some suggestions aboutconstruct China’s intellectual property pledge financing insurance system.