我国商业银行金融产品专利保护问题研究

我国商业银行专利申请主要集中在四大国有商业银行,专利保护水平很不均衡,申请数量差距悬殊,并且部分银行迄今没有进行任何专利申请。与外资银行相比,我国商业银行目前在金融产品专利保护上存在的主要问题是:专利保护意识薄弱,效仿严重;专利保护数量少,科技含量低;研发投入不足;管理水平较低;专利保护制度相对滞后。

On Patent Protection of Financial Products in Commercial Bank of China

The patent claim of commercial bank of China mainly concentrates on four state-run commercial banks, the patent protection level is very imbalanced, and there is a great disparity in claim quantity between different banks, and some banks have not any application for any patent. Compared with the foreign capital banks, the main questions existing in financial product patent protection of commercial banks at present are as follows: patent protection awareness is weak, imitation is serious; patent protection quantity is few, scientific and technology content is low; Research and development investment is insufficient.; The management level is low; Patent protection system is relatively backward.