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知识产权质押融资作为一种新型的融资方式,在理论和实践上具有重要意义。理论上,知识产权质押融资不仅有其相应的法律要求,而且在一定程度上突破了现有的理论,包括对传统交付方式、担保物权的价值取向、传统民法物权体系、物权法定原则的挑战。实践上,知识产权质押融资在缓解科技型中小企业的融资难题、推动金融业的全面发展以及建设创新型国家上表现出重要的作用。但目前我国知识产权质押融资面临着法律保护滞后、登记程序繁杂、评估技术不成熟和知识产权价值风险高等困境。对此,应从缓和物权法定原则、整合登记机构、加强评估立法、一并审查知识产权和企业盈利能力四个方面完善知识产权质押融资制度。
Intellectual property pledge financing as a new type of financing, in theory and practice of great significance. In theory, the pledge of intellectual property financing not only has its corresponding legal requirements, but also to a certain extent, break the existing theory, including the traditional delivery methods, the value orientation of security interests, the traditional civil law system of real rights, the legal principle of real rights challenge. In fact, pledge financing of intellectual property plays an important role in alleviating the financing problems of science and technology SMEs, promoting the all-round development of the financial industry and building an innovation-oriented country. However, at present, the pledge financing of intellectual property in China is facing the dilemma of legal protection lagging behind, complicated registration procedure, immature evaluation technology and high value risk of intellectual property. In this regard, the intellectual property pledge financing system should be improved from the four aspects of easing the legal principle of real rights, integrating the registration agencies, strengthening the assessment of legislation, and examining together the intellectual property rights and the profitability of enterprises.