은행권의 지식재산(IP) 담보금융에 관한 리스크 관리

Abstract

The intellectual property (IP) secured financing for banks in South Korea is still in its initial stage. Considering the potential of IPs as competitive determinants of intellectual properties that may hold critical keys in the Fourth Industrial Revolution, there is a high possibility that the banking sector will expansively manage IP secured finances. Hence, research is needed on what systems should be systematically equipped and how they should be managed in preparation for potential risks. Majority of previous studies and policies are found to have been conducted on the calculation standard or policy direction of IP security valuations, and from the perspective of facilitating the raising of funds through innovative technologies of small- and medium-sized enterprises and venture companies. There is insufficient research on the types of potential risks that may occur with IP secured loans from a bank perspective, as well as measures to minimize or eliminate such risks and its practical application. Therefore, this study examines ways to minimize potential risks during the management of IP secured loans in the banking sector and to systematically organize IP secured finances. Furthermore, it aims to scientifically propose the importance of appropriate risk systems when expanding on opportunities to raise commercialization funding via the organization’s innovative technology, and its importance for stable asset management in the banking sector.