专利权质押贷款的困境与出路

The plight of patent as security for loans

专利权质押是运用专利权进行担保的法律制度,该制度充分发挥了专利权的交换价值,使得专利权的融资功能得以有效发挥。专利权质押的兴起反映了我国知识产权从静态保护向动态利用的发展趋势。但是,目前我国在专利权质押贷款业务中存在着政府、企业热,而金融机构"畏缩不前"的尴尬局面。造成这种局面的深层次原因在于没能很好地认识专利权质押制度的特性,以及在专利权质押制度中缺少风险共担的运作机制。

Patent pledge is to use patents to guarantee the legal system,the leverages system and the exchange value of patents so as to franchise finance capabilities effectively.Patent pledge reflects the rise of the static protection of the intellectual property from the use of the dynamic trend.But at present in China in patent pledge loan business,government and enterprises heat can be found but embarrassing situation of financial institutions ＂shrinks＂ emerges.This situation resulted from the deeper reason not understanding the patent pledge to the characteristics of the system and the lacking of patent pledge system,and the risk control mechanism as well.