?? ???? ?????? ?? ????? ?????? ?? ???????? ??????? ??????? ?? ??? ????? ??? ?????? ????????? ??? ????? ??? ???????? ????????? ????? ????.????? ??????: ?????? ??????? ???????? ??????? ???? ???? ????? ???? ?????? ???? ???????? ?????? ?????????? ????? ????? ???????? ?????? ?????? ??????.???? ??????????? ??????? ???????? ?????????? ???? ?????? ????????

?????? ??? ???????? ??????? ??? ????? ????? ?????? ???????? ?????? ????? ?????? ?????? ???????? ???? ?? ??????? ?????? ?????.???? ??? ???????? ??? ????? ????????? ???????? ??????? ??????? ??? ??????? ??? ??????? ?? ??????? ???????? ?? ????? ????? ?????.?????? ??????? ??? ????????? ?????? ??????? ?? ??????? ?????????? ????? ???????? ???????? ???????

????????—????? ??????? ????????? ?????? ???????? ??????? ??? ???? ????????????? ?? ?????????? ??????? ? ??? ????? ????? ???? ??? ?????? ?????? ?????? ?????? ??????? ??????? ?????? ?????? ??????? ?????? ????? ??????? ?????? ??????? ?? ?????? ?????? ???????.????? ??? ??????? ?????? ?????? ??????? ??? ??? ???????? ???? ????? ???? ???????.????? ?????

Paradigm change in technological know-how policy – new insurance policies suitable for this new means of undertaking are present. An instance is Singapore's formal recognition of Sector four.0 in its innovation insurance policies.??????? ?? ????? ?? ??????? ???????? ?????? ??????? ???????? ????????? ?? ????? ????? ???? ????? ?? ????? ???????? ???

??? ????????? ??? ???? ????? ??????????? ?? ???? ?????? ?? ??? ?????? ????? ?????? ?????? ???? ?????? ?? ????? ?? ???????. ?? ??? ????? ?? ????? ?????? ?? ???? ?????? ??? ??????? ?? ??? ?????? ?? ??????? ??? ????? ??????? ??? ????? ?? ??????? ??????? ????? ??? ?????? ?????? ????????? ????? ??????? ?????????? ???? ???? ??????? ?? ???? ??? ????? ????