論智慧財產權融資信用保證機制

在知識經濟發展環境中，智慧財產已成為現今企業重要資產之一，關係著企業的核心競爭力。就智慧財產特性、銀行放款的風險考量而言，銀行對智慧財產權融資仍持審慎態度，然在國內智慧財產權融資體系未臻成熟之際，對政府、企業或金融機構來說，智慧財產權融資的信用保證機制處於舉足輕重的地位。對政府而言，該機制為政府在智慧財產權融資政策的推動上為最快及最有效的管道；對企業而言，該機制為協助企業順利取得資金，滿足企業資金需求的捷徑；對金融機構來說，則為金融機構規避風險、提升資產品質的最佳工具。美、韓智慧財產權融資承擔風險的單位均具有評估及管理智慧財產權等專業能力，信保基金未來應運用新種金融工具結合信用保證機制，協助政府建立一套屬於我國的智慧財產權資金取得機制，而當務之急應先積極加強智慧財產權融資相關專業知識，並培訓有關智慧財產權評價、管理、法令等各面向的專業人才，以信保基金非營利事業之特質，樹立信保基金在智慧財產權融資體系的公正專業形象。

關鍵字

智慧財產；智慧財產權融資；信保基金；信用保證

並列摘要

In a knowledge-based economic development environment, intellectual property (IP) has already become an important business asset with a major bearing on a company's core competitiveness, especially in the case of small and medium enterprises for which intellectual property rights (IPR) constitute the core of their value. Because of the immaturity of related laws and regulations and the financing transaction environment, as well as the lack of related supporting measures for controlling IPR financing risks and financial institutions' insufficient confidence in the existing appraisal system or institutions, appraisal criteria and assessment of the value of IPR can not easily gain acceptance from banks, making it all the harder for companies to obtain financing with IP. Therefore, before the IPR financing system reaches maturity, the government will continue to promote the ”credit guarantee” system as the main policy tool for IPR financing. From the government's point of view, the credit guarantee mechanism has a crucial place in IPR financing and offers the fastest and most efficient means of promoting its IPR financing policy; from the enterprises' point of view, it helps them smoothly obtain financing, a shortcut to meeting their capital needs; and from the financial institutions' perspective, it serves as the best instrument for avoiding risk and raising their asset quality. In the future, Taiwan's Small & Medium Business Credit Guarantee Fund (SMEG) should utilize new kinds of financing tools in combination with the credit guarantee mechanism, to help the government establish our country's own mechanism for obtaining IPR financing.