专利产业化互联网融资支持制度研究
发布时间：2018-11-16 08:37
【摘要】：知识产权是国家发展的战略性资源,金融是现代经济的核心。传统专利融资模式已无法满足科技型中小微企业资金需求时,人们将目光投向知识产权与金融结合的领域为专利产业化融资打开思路,专利企业互联网融资成为解决科技型中小微企业融资难问题的新兴渠道。专利产业化互联网融资即专利企业利用移动终端,在任何的地方便捷地借钱和还钱。所谓专利产业化互联网融资支持制度是指在专利产业化互联网融资活动中对该领域起促进作用并分担不可控风险的制度与起监管作用并防范可控风险的制度的总称。在完成对构建专利产业化互联网融资支持制度的必要性论证后,通过构建博弈模型确定了专利产业化互联网融资支持制度的构建方向,确保制度效果达到立法者所追求的均衡状态。通过借鉴英美两国专利产业化互联网融资支持制度方面的经验发现,英国支持制度的渊源既有相关领域专门立法,又有统一的行业规范,多元且层次丰富值得我国深入学习。面对投资需求高涨的现状,不妨取经英美专利产业化互联网融资活动相关促进制度的"投资者核心"实践。围绕保护投资者利益开展制度设计,加强投资者教育与权益保障,并建立标准具体统一的监管制度。反观我国专利产业化互联网融资支持制度的立法现状,以知识产权互联网融资为规制主体的法律规范较少且立法位阶低;法律规范多以规章《意见》的形式出台,原则性叙事且可操作性不足;地方立法因其较强地域性缺乏普遍推广的基础;互联网融资行业自律规范发挥的功用十分有限。实践中所折射出的制度问题包括:投资者保护不足、融资方征信渠道单一、信息安全保障制度缺乏标准、融资平台监管制度模糊、税收激励不足、独立于平台的担保制度缺失等。综上,就构建完善专利产业化互联网融资支持制度,有针对性的提出加强投资者知情权保障与适当性管理、构建多元化征信制度与信息安全保障制度的建议。从细化备案规则与信息披露规则、重视从业人员职业道德养成、落实投资者教育义务等方面构思完善融资平台监管规则的方案。完善担保制度方面,提出引入由政府设立的风险分散补偿基金并明确担保物实现顺序的建议。
[Abstract]:Intellectual property is the strategic resource of national development, and finance is the core of modern economy. When the traditional patented financing mode can no longer meet the capital needs of small and medium-sized scientific and technological enterprises, people have turned their eyes to the field of combining intellectual property rights and finance to open the way for the industrialization of patent financing. Internet financing of patent enterprises has become a new channel to solve the financing problem of small and medium-sized enterprises. Patent industrialization Internet financing means that patent enterprises use mobile terminals to borrow and repay money conveniently and anywhere. The so-called patent industrialization Internet financing support system refers to the system of promoting and sharing the uncontrollable risks in the patent industrialization Internet financing activities and the system of supervision and prevention of controllable risks. After the necessity of constructing the Internet financing support system of patent industrialization is demonstrated, the construction direction of the Internet financing support system of patent industrialization is determined by constructing the game model. To ensure that the effect of the system to achieve the legislator's pursuit of the equilibrium state. By drawing lessons from the experience of the Internet financing support system of patent industrialization in the United States and the United States, it is found that the origin of the British support system is not only related to specific legislation, but also unified industry norms. In the face of the high demand for investment, it is advisable to adopt the practice of "investor core" in the promotion system of Internet financing activities related to the industrialization of patents in the United States and the United States. The system is designed around protecting the interests of investors, strengthening investor education and protection of rights and interests, and establishing a standard and unified supervision system. On the contrary, the legislation status of Internet financing support system of patent industrialization in our country is relatively few and the level of legislation is low with intellectual property Internet financing as the main regulation body. Most of the laws and regulations are issued in the form of rules and regulations, the principle narration and the maneuverability are not enough; the local legislation lacks the foundation of popularizing generally because of its strong regionality; the function of the self-discipline norm of the Internet financing industry is very limited. The system problems reflected in practice include: insufficient protection of investors, single channel of credit investigation, lack of standard of information security system, vague supervision system of financing platform, insufficient tax incentive, etc. Lack of guarantee system independent of platform, etc. In summary, the author puts forward some suggestions on how to perfect the Internet financing support system of patent industrialization, strengthen investor's right to know and appropriate management, construct diversified credit investigation system and information security guarantee system. From the aspects of detailed filing rules and information disclosure rules, attaching importance to the professional ethics of practitioners and implementing the obligations of investor education, the scheme of perfecting the supervision rules of financing platform is proposed. In the aspect of perfecting the guarantee system, the suggestion of introducing the risk dispersion compensation fund established by the government and clarifying the realization order of the collateral is put forward.
【学位授予单位】：西南交通大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D913
本文编号：2335036
[Abstract]:Intellectual property is the strategic resource of national development, and finance is the core of modern economy. When the traditional patented financing mode can no longer meet the capital needs of small and medium-sized scientific and technological enterprises, people have turned their eyes to the field of combining intellectual property rights and finance to open the way for the industrialization of patent financing. Internet financing of patent enterprises has become a new channel to solve the financing problem of small and medium-sized enterprises. Patent industrialization Internet financing means that patent enterprises use mobile terminals to borrow and repay money conveniently and anywhere. The so-called patent industrialization Internet financing support system refers to the system of promoting and sharing the uncontrollable risks in the patent industrialization Internet financing activities and the system of supervision and prevention of controllable risks. After the necessity of constructing the Internet financing support system of patent industrialization is demonstrated, the construction direction of the Internet financing support system of patent industrialization is determined by constructing the game model. To ensure that the effect of the system to achieve the legislator's pursuit of the equilibrium state. By drawing lessons from the experience of the Internet financing support system of patent industrialization in the United States and the United States, it is found that the origin of the British support system is not only related to specific legislation, but also unified industry norms. In the face of the high demand for investment, it is advisable to adopt the practice of "investor core" in the promotion system of Internet financing activities related to the industrialization of patents in the United States and the United States. The system is designed around protecting the interests of investors, strengthening investor education and protection of rights and interests, and establishing a standard and unified supervision system. On the contrary, the legislation status of Internet financing support system of patent industrialization in our country is relatively few and the level of legislation is low with intellectual property Internet financing as the main regulation body. Most of the laws and regulations are issued in the form of rules and regulations, the principle narration and the maneuverability are not enough; the local legislation lacks the foundation of popularizing generally because of its strong regionality; the function of the self-discipline norm of the Internet financing industry is very limited. The system problems reflected in practice include: insufficient protection of investors, single channel of credit investigation, lack of standard of information security system, vague supervision system of financing platform, insufficient tax incentive, etc. Lack of guarantee system independent of platform, etc. In summary, the author puts forward some suggestions on how to perfect the Internet financing support system of patent industrialization, strengthen investor's right to know and appropriate management, construct diversified credit investigation system and information security guarantee system. From the aspects of detailed filing rules and information disclosure rules, attaching importance to the professional ethics of practitioners and implementing the obligations of investor education, the scheme of perfecting the supervision rules of financing platform is proposed. In the aspect of perfecting the guarantee system, the suggestion of introducing the risk dispersion compensation fund established by the government and clarifying the realization order of the collateral is put forward.
【学位授予单位】：西南交通大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D913
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