Promote intellectual property insurance "intellectual property" into "assets" in many places to move towards the market.

Reporter Leng Cuihua

Recently, the Sanya Market Supervision and Administration Bureau (Sanya Intellectual Property Office) signed a strategic cooperation agreement with the Sanya Branch of the People's Insurance Property & Casualty Insurance Sanya Branch. This is a microcosm of the government's continuous promotion of intellectual property insurance.

The National Intellectual Property Office's recently issued the "Notice on the Implementation of Intellectual Property Policy Implementation of Speed ​​and Increasing Efficiency Promoting Economic and Healthy Development" pointed out that local governments should take multiple measures to support small and medium -sized enterprises' financing by using intellectual property pledge.

From the perspective of operating models, in order to revitalize intellectual property rights, "intellectual property" is converted into "assets", and many governments have strongly supported the development of intellectual property insurance. People in the industry believe that the continuous development of the intellectual property insurance market needs to gradually become market -oriented and activate the enthusiasm of the insured in the relevant subjects.

Li Shitong, co -founder of Bestlawyers, told a reporter from the Securities Daily that intellectual property insurance can not only ensure the legal expenses and economic losses caused by infringement or infringement of intellectual property rights due to their own intellectual property rights, but also can revitalize intellectual property rights. In the pledge financing of property rights, help SMEs solve financing problems.

From the perspective of guarantee demand, according to the "Annual Report of the Intellectual Property Court of the Supreme People's Court (2021)", in 2021, the court's new technical intellectual property and monopoly cases increased by 36.4%year -on -year.

In 2020, Beijing began the three -year pilot work of intellectual property insurance, and insurance involving patent enforcement insurance and patent infringement insurance was involved. According to the relevant data of the Beijing Intellectual Property Office, in the past two years, Beijing has 20 manufacturing single champion companies and 312 small and medium -sized enterprises in key areas. It has obtained a subsidy premium of 3,366 patent insurance for more than 20 key industries. 10,000 yuan, the guarantee amount reached 3.3 billion yuan. In 2022, the underwriting company of the Beijing Intellectual Property Insurance pilot pilot company increased too much insurance insurance on the basis of the original property insurance insurance.

Li Shitong believes that the underwriting company's change from "1" to "2" means that intellectual property insurance has gradually begun to move towards "marketization" from "government -led". To truly make a big intellectual property insurance market, market -oriented reform must be must The road of scripture.

Li Shitong said that intellectual property insurance needs government guidance and support in the early stage. There are many reasons. For example, enterprises' awareness of intellectual property insurance is weak, and technology -based enterprises are generally high. The company is more cautious about promoting intellectual property insurance. At the same time, insurance companies lack compound talents that penetrate the intellectual property and insurance sector, and the data accumulation of intellectual insurance is insufficient. Based on this, Bestlawyers jointly developed the "patent insurance intelligent pricing and underwriting system", which aims to solve the problem of "pricing and underwriting difficulties" in patent insurance business in patent insurance business.

From the perspective of intellectual property pledge financing demand, in 2021, the national patent and trademark pledge financing amount was 309.8 billion yuan, of which 11,000 were benefited from inclusive loans of less than 10 million yuan, accounting for 71.8% of the total number of benefits enterprises. Essence In the first half of this year, the amount of pledge financing of the national patent trademark was 162.65 billion yuan, a year -on -year increase of 51.5%.

Taking Zhanjiang as an example, the city takes the "government financial promotion+service agency management+bank loan+insurance escort+assessment of the new model of intellectual property pledge financing services" as a leverage, leveraging more capital flow into the field of scientific and technological innovation. Shi Min, the relevant person in charge of Zhanjiang Shenhan Technology Industry, told a reporter from the Securities Daily that as a technical enterprise, the company has a lot of invention patents every year. 10,000 yuan, solving the problem of mobile funds.

Li Shitong said that the bank's participation in SME intellectual property pledge financing loan business has two main concerns. One is that intellectual property pledge assessment is more difficult, and it usually needs to use third -party institutions; second, SMEs have weak ability to resist risks themselves. Therefore, the cooperation of intellectual property insurance and other financial products needs to be strengthened, and the company's guarantee demand and financing demand are combined in a market -oriented manner.

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