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https://tkuir.lib.tku.edu.tw/dspace/handle/987654321/33308
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| Title: | 我國信用保證對智慧財產權融資之研究 |
| Other Titles: | An study of credit guarantee to the financing of intellectual property rights |
| Authors: | 任建翔;Jen, Karl |
| Contributors: | 淡江大學管理科學研究所企業經營碩士在職專班
李培齊;Lii, Peirchyi |
| Keywords: | 智慧財產權;無形資產;智慧財產權融資;信用保證;無形資產鑑價;信保基金;信用增強;擔保機制;認股權利;knowledge-based;intellectual property right loan;credit guarantee;smeg;option |
| Date: | 2007 |
| Issue Date: | 2010-01-11 03:52:37 (UTC+8) |
| Abstract: | 知識經濟時代的來臨，企業擁有知識的方式，多以擁有智慧財產權的型態呈現，在智慧財產權形成或運用的過程中，因時間漫長且不確定風險高，必須有良好的資金挹注環境，才能夠讓企業專心積極從事創新、研發、突破而累積競爭優勢。
我國智慧財產權融資相較美、韓、日等國起步較晚，周邊配套機制尚待建立，銀行基於風險難以掌握，態度多不積極，政府推動時，常以政策性質的信用保證來提高銀行端的融資意願，中小企業信用保證基金在配合政府落實智慧財產權融資之餘，也勢必兼顧自身承保能力，中小企業信用保證基金在智慧財產權融資的道路上，其未來可以發展的方向是值得關切的課題。
本研究透過美、韓、日等國實務經驗，以及中小企業信用保證基金行運作模式、個案探討等，理絡出中小企業信用保證基金對智慧財產權的偏好，以及在政策要求與風險控管下，如何找到投資與融資之間的平衡點。
未來中小企業信用保證基金在智慧財產權融資的評估工作上，應投入更多的心力，建立自己專業技術地位，並且建置能夠反映風險成本的收費制度，及能夠分享利潤的認股權機制；此外，也要能結合輔導資源，協助企業順利完成升級；而政府方面，更應在智慧財產權融資的過渡階段中，給予專案基金奧援，才有助於中小企業信用保證基金積極輔佐企業的決心。
As we are entering the knowledge-based era, intangible assets become more and more important for enterprises. The most common type of intangible assets is intellectual property. There are some critical factors throughout the process of initiating an intellectual property, such as the long developing time and high risks. Therefore, a government should provide an environment with sufficient funding in order for an enterprise increasing its competitiveness by focusing on carrying out new projects worry-free.
In Taiwan, the financing of intellectual property is developed much later than USA, Korea and Japan. A lot of issues need to be solved. Firstly, the complete system has not yet established. Secondly, banks are not supportive because of the high risks involved. Thirdly, even though the Government makes the new policy to enforce banks to provide more financial support to enterprises, SMEG (SMALL & MEDIUM BUSINESS CREDIT GUARANTEE FUND) not only has to accommodate with the policy but also needs to evaluate the risk-bearing capability of its own. Thus, the issue of SMEG financing intellectual properties should be an urgent topic that needs to be thoroughly discussed as soon as possible.
This study looked through the experiences of USA, Korea and Japan regarding how SMEG is operated. Through case studies, this thesis tried to reveal the preference of SMEG looking into different intellectual properties, and how SMEG finds a balance between investment and financing under government demands and risk control.
SMEG should put more efforts on the evaluation of an intangible property right financing in the future, develop professional specialty, and form a rate system that could reflect the bearing of risk and the options for profit sharing. Furthermore, SMEG should provide counseling services, and help enterprises upgrade themselves. At the same time, the government should provide an exceptional financial support in the transitional stage to demonstrate the determination of SMEG in assisting enterprises to succeed. |
| Appears in Collections: | [管理科學學系暨研究所] 學位論文
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