知识产权质押贷款问题探讨

A Study of the Hypothecation Credit for Knowledge Property Right

知识产权作为无形财产权越来越被人们所重视,但银行接受知识产权设质的情况却很少。随着知识产权质押贷款业务的逐步开展,建立完善的知识产权评估制度,规范知识产权登记手续,设立合法有效的知识产权质押贷款合同,限制出质人影响知识产权价值下降的权利,审查质押知识产权设定行为,及时处置已设质的知识产权等显得尤为重要。

As an intangible property right, knowledge property right has attracted more and more social attention. But at present, there are few cases that banks arrange for the hypothecation credit for knowledge property right. It is believed that this kind of business is bound to develop quickly in the near future. Therefore, much work should be done in the following aspects: establishing a perfect system for the evaluation of property right, standardizing the registration of knowledge property right, practising an efficient legal hypothecation credit contract for knowledge property right, limiting the hypothecator's rights affecting the value of knowledge property right, examining the behavior of hypothecation for knowledge property right, disposing timely of the hypothecated knowledge property right, etc.