专利保险的风险特征和制度思考

Risk Characteristics of Patent Insurance and Its Institutional Thinking

传统商业保险所覆盖的风险具有相对客观的统计特征,这是保险精算的基础。而专利诉讼保险以专利诉讼相关费用为标的,依赖于当事人的法律行为过程,更多地体现为参与人的倾向性行为特征。我们认为正是这种风险性质的区别,使得传统商业保险的模式在专利保险领域难以推广。但是专利保险的风险性质却与金融市场风险相类似。据此,本文以金融市场风险管理的视角来分析专利保险的风险特征,并初步设计了专利保险的制度设置。

As the legal act of the partie We believe this is the underlying of patent litigation i s, which is more embodied in o nature difference between tradi nsurance, the expenses of patent 1 rientation behavior characteristics tional comme the risk properties of patent insurance is much similar to that of fin article analyze the risk characteristics of patent insurance in view preliminary design patent insurance system settings on this basis. rcial insurance ancial markets ation rely on the the par and patent insur dealing of financial market risk ticipants. ance. But On this basis, this management, and