CAJ | 학술논문

知识产权融资存在法律制度不完善、资产评估水平低、质物处置难、银行无形资产运作能力弱等问题,在借鉴国外中小企业融资服务体系成功经验的基础上,提出了构建知识产权融资服务体系,包括融资供给系统、融资保证系统、融资辅导系统,然后从完善知识产权融资法律法规、提高商业银行知识产权融资服务水平、发展政策性金融、建立健全企业信用担保机制、建设知识产权融资辅导平台等方面,提出了融资服务体系的建设策略。
지식산권융자존재법률제도불완선、자산평고수평저、질물처치난、은행무형자산운작능력약등문제,재차감국외중소기업융자복무체계성공경험적기출상,제출료구건지식산권융자복무체계,포괄융자공급계통、융자보증계통、융자보도계통,연후종완선지식산권융자법율법규、제고상업은행지식산권융자복무수평、발전정책성금융、건립건전기업신용담보궤제、건설지식산권융자보도평태등방면,제출료융자복무체계적건설책략。
There exist such difficulties in intellectual property financing as faultiness of its legal system,low level assets evaluation for intellectual property,difficulties in disposition of intellectual pledges,and the banks＇ insufficient operation on the immaterial property.By learning from the successful service system for intellectual property financing for small and medium enterprises in foreign countries,a proposal to build up a service system for intellectual property financing has been brought out.This system is composed of financing supply system,financing pledge system as well as the financing tutorship system.Then strategies for the service system construction are put forward in the aspects of improving financing laws,bettering intellectual property financing service in commercial banks,developing policy finance,improving enterprise credit guarantee system,building up a tutorship platform for intellectual property financing.