保险产品的知识产权属性及其保护

目前我国金融市场还不完善,不少金融机构法律意识淡薄,相互抄袭导致产品同质化现象严重,不利于产品创新。对金融产品授予知识产权是保护金融主体利益的有效手段之一。以保险产品为例,著作权和商标权对产品可提供保护但不充分,通过专利权加以保护更为有效。保险产品符合专利权保护对象的属性要求,既具有技术特征,也具有创造性、新颖性和实用性。目前国内已有保险企业提交产品专利申请,但对比中外保险企业对保险产品开发及知识产权保护的差距,笔者认为我国应加强此方面的制度建设与相关实践,以维护金融市场秩序。

On Intellectual Property Protection of the Insurance Products Innovation

Financial industry is playing growing vital role in economic development.With the rapid development of network and computer technology,a large number of business method appeared.But in China,many companies just use the same financial products by simply plagiarizing them from others.For lack of experiences,these financial organizations will risk in electronic financial business.This article studies relevant laws of intellectual property protection of different countries and regions,and analyses the contents ...