我国知识产权保险制度之构建

System Construction of Intellectual Property Insurance in China

在知识经济时代,科技创新能力成为国家竞争力的主要表现。企业在进行科技创新的过程中,因知识产权而发生纠纷的情形时有发生。如何防范知识产权实施中的风险,成为企业进行科技创新需要考虑的问题。知识产权保险是知识产权与保险的结合,通过保险的机制,把企业在经营过程中所面临的知识产权风险转嫁出去。美国的知识产权保险制度较为发达,已经形成较为规范的市场。我国企业在发展中同样也面临着因知识产权纠纷而产生的风险。我国知识产权保险的构建,应结合我国的实际情况,优先发展专利侵权保险,在此基础上发展综合性的知识产权保险。通过保险费率的核算,避免保单内容设计的复杂化,以利于我国知识产权保险市场的建立和发展。

In the era of knowledge economy,science and technology innovation capability exhibits a country's competitiveness,in the process of scientific and technological innovation,disputes of intellectual property rights arise from time to time.How to prevent the risk in implementation of intellectual property has become an issue in scientific and technological innovation.Property insurance is a combination of intellectual property and insurance.By the insurance system,enterprises transplant the risk in the course of business operation.The IP insurance system has been well developed in US and a well-regulated market has been established.In China,Chinese enterprises are also facing the similar problem arising from IP disputes.We shall establish the comprehensive system of IP insurance in China under the current situation,especially giving priority of establishing the system of insurance of patent infringement.To ensure a healthy establishment and development of Chinese insurance market of IP,we shall check the premium rate and avoid the over - complexity of the content of the policy.