知识产权P2P融资风险控制的公私合作机制建构

Construction of Public-private Partnership Mechanism for Risk Control of P2P Financing Based on Intellectual Property

P2P网贷开始介入知识产权质押融资,形成基于互联网金融的创新性知识产权价值实现机制。目前,知识产权P2P融资的运作模式和交易架构可以概括为金开贷模式和知商金融I2P模式。尽管新型融资方式有利于拓宽资金渠道,但两者融合造成了叠加的涉众、信息不对称、信用和法律风险。既有的知识产权质押融资风控模式和互联网金融监管措施无法完全消弭知识产权与P2P融资的固有风险与叠加风险,需要在知识产权金融法律体系,知识产权P2P融资工具、大数据体系以及多层次知识产权交易市场等方面建构公私合作的风控机制。

P2P lending has spread to intellectual property pledge financing,and formed the innovative intellectual property＇s value realization mechanism based on Internet finance.At present,the operation modes and trading frameworks of P2P financing based on intellectual property can be summarized as Jin Kai Dai mode and Zhi Shang Finance I2P mode.Although the new financing modes are conducive to broadening the channels of funds,the integration of the two causes superposed stakeholders,information asymmetry,credit and legal risks.Because the existing risk control modes of intellectual property pledge financing and Internet financial regulatory measures can not completely eliminate the inherent and superposed risks of intellectual property and P2P financing,the public-private partnership mechanism for risk control,including the legal system of intellectual property financing,P2P financing tools on intellectual property,the big data system,and multi-level intellectual property trading markets,should be constructed.