从花旗银行的金融专利谈中资银行的金融专利现状与对策

在金融电子化的今天,先进的具有前瞻性的金融产品是银行发展业务和开拓市场的利器.以花旗银行为代表的外资银行已经向国家专利局提起了多项金融产品"商业方法类"专利的申请,意图在我国银行业面前竖起一道"专利壁垒".由于体制和观念的原因,我国银行业对金融产品的专利保护没有足够的重视,在外资银行金融专利面前处处掣肘.对此,中资银行要增强专利意识,加快研发力度并着手建立专利战略以应对外资银行的专利战.

Present situation of China's commercial bank's financial patent and counter- measures to citibank's financial patent

In the electronic process of finance,the competition between commercial banks has developed into the battle of high-quality customers and financial products.And the sophisticated financial products help banks to develop business and widen market as well.Citibank,the representative of overseas commercial banks,has submitted a series patents of "methods of doing business" to Chinese Intellectual Property Bureau,with an intention to set up a patent wall in front of China's commercial banks.However,China's commercial banks have not attached enough importance to financial patent and put themsevles to a disadvantageous position in competion.Therefore,China's commercial banks should establish and strengthen the awareness of financial patent,speed up the relevant research and set up the patent strategy to meet the challenge from the overseas counterparts.