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知识产权是企业自主创新中最为重要的无形资产。知识产权本身之属性决定了知识产权存在侵权和被侵权的危险,所以企业在参与市场竞争时,不确定的风险损失往往会让企业在自主创新中望而止步。建立知识产权保险机制化解企业在自主创新中面临的不确定风险,符合知识产权法保护知识产权产品之宗旨,同时也符合保险法之“保险利益”之要件。构建知识产权保险机制以促进企业自主创新实为可取。
Intellectual property is the most important intangible asset in an enterprise’s independent innovation. The property of intellectual property itself determines the risk of infringement and infringement of intellectual property. Therefore, when enterprises participate in market competition, the uncertain risk losses often make enterprises stop looking in independent innovation. The establishment of IPR insurance mechanism to resolve the uncertain risks faced by enterprises in independent innovation is consistent with the tenet of IPR protection of IPR products and also complies with the requirements of Insurance Interests under the Insurance Law. It is desirable to construct the mechanism of intellectual property insurance to promote the independent innovation of enterprises.