知识产权质押融资风险防控机制的完善

Perfection of Risk Prevention and Control Mechanism of Intellectual Property Mortgage Financing

知识产权质押融资存在法律风险、技术风险、市场风险、经营管理风险、操作风险和道德风险等。单一担保、组合担保、追加担保和反担保等传统风险防控措施存在担保机构风险过大和担保形式单一等缺陷。这就催生了风险收益平衡和政府适当扶持等新理念与新原则。据此,知识产权质押融资可以采用入股或分红、担保加保险、政府参与联合担保、政府设立再担保机构或信用担保基金、政策性担保公司、政策性风险补偿等新的积极风险防控措施。

Intellectual property mortgage financing is liable to the risks such as law risk,techmcal risk, market risk, operating and management risk, operational risk, credit risk etc. There pattern in single guarantee,fit together guarantee, additional guarantee and counter-guarantee, which serves as a catalyst for the new ideas and principles such as balance between risks and benefit, appropriate governmental supporting. Accordingly, intellectual property mortgage financing can take the new active risk prevention and control measures including becoming shareholder and sharing dividends, guarantee plus insurance,joint guarantee with governmental participation, government＇s establishing re-guarantee or credit guarantee funds, policy guarantee company,policy risk compensation etc.