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      • KCI등재

        효과적인 중소기업 금융지원을 위한 정부의 역할: 기술금융을 중심으로

        차우준 국회입법조사처 2016 입법과 정책 Vol.8 No.2

        본 연구에서는 현재 국내 기술금융 시장의 한계와 문제점들을 깊이 있게 분석하고자 했고, 기술금융이 민간시장에 성공적으로 안착되고 활성화되는데 필요한 정책적 제안을 하고자 했다. 본 연구 수행을 통해서 도출한 결과와 제안사항은 다음과 같다. 첫째, 기술금융의 핵심요소라고 할 수 있는 TCB 기술신용평가는 모형 특성상 최종 산출된 결과의 왜곡 가능성이 있다. 이것은 향후 은행의 건전성에 직접적인 영향을 줄 수 있기 때문에 금융당국의 지속적인 지도와 감독이 필요하다. 둘째, 민간시장 내 기술금융의 안착 및 활성화를 위해서는 여신이 아닌 투자 중심으로 가야 한다. 현재 투자는 투자자본금의 성격과 회수시장의 구조적인 한계가 있어 정부의 기술금융 활성화를 위한 자본시장 구조개선 노력이 필요하다. 셋째, 여신형 기술금융은 시너지효과를 기대할 수 있는 관계형 금융 같은 타 금융정책과 하이브리드 형태로 이루어질 필요가 있다. 본 연구를 통해서 현재 기술금융이 민간시장에서 가지는 구조적인 한계들을 객관적이며 깊이 있게 분석했고, 정부를 중심으로 기술금융 각 주체들에게 어떤 역할과 정책적 유인책들이 필요한지 제시했음에 의의가 있었다. Technology financing is one of the important financial support policies for small and medium sized businesses in the Republic of Korea. The purpose of this research was to find crucial issues of technology financing and to suggest improved policies. First, the TCB (Technology Credit Bureau) technology credit evaluation has a possibility of becoming a serious error grade, for most evaluation items of technology evaluation model are similar to the qualitative model of credit evaluation. Herein, the TCB technology credit grade is calculated by the sum of technology score and credit score. The government has to be concerned by the TCB technology credit evaluation because the above mentioned possibility may affect the loan risk management of banks. Second, technology financing in the private market needs the improvement of market system for investment. Third, banks need the hybrid type financing mixed technology and another for expected synergy effects.

      • KCI등재후보

        국내 기술창업자들의 창업 성공과정 분석 : 근거이론적 접근

        차우준 충북연구원 2018 지역정책연구 Vol.29 No.1

        This research was carried out to analyze how the technology entrepreneurs in Republic of Korea had the successful companies since start-up via the approach of grounded theory, and to suggest the appropriate guide of policies and legislations for building technology based start-up ecosystem as well. This research result was follows; Firstly, it was confirmed that the technology entrepreneurs under the several situations chose ‘start-up’ which was the central phenomenon. Secondly, the core category being able to explain the relations of all categories polysynthetically was to secure the stability and the competitiveness of the technology entrepreneurs’ business for realizing life meaning and maintaining to earn through maximizing their professionalism, the human relations and the business strategy. In addition, the success types of technology based start-up were determined ‘self-realization type’, ‘maintenance of livelihood type’, ‘seeking profit type’, ‘pursuing human relations type’, and ‘pursuing market type’. In conclusion, it was confirmed that the gap of viewpoint on the concept of technology based start-up, and the growth of the enterprise were different Republic of Korea government(and/or society) from the real private market. This research will be able to provide the fundamental and very important raw data for the effective policies and legislations related with building technology based start-up ecosystem. 본 연구의 목적은 근거이론적 접근방법을 사용하여 기술창업자들이 창업을 성공으로 이끌어 가는 과정을 생생한 현장의 목소리로 확인함과 동시에 국내 상황에 부합한 기술창업 관련 정책들의 올바른 방향을 제시하고 함이었다. 기술창업자들은 다양한 이유와 상황 하에서 중심 현상인 ‘창업(Start-up)’을 하고 있는 것으로 확인되었다. 기술창업자의 창업 성공과정에 대한 각 범주들 간의 관계를 통합적으로 설명할 수 있는 핵심 범부는 “삶의 가치 실현 및 경제적 활동 지속을 위해 기술창업자의 전문성과 인간관계, 경영전략을 극대화하여 사업의 안정성과 경쟁력을 확보” 였으며, 기술창업 성공의 유형은 자아실현 형, 생계유지 형, 수익지향 형, 관계지향 형, 시장지향 형으로 구분되었다. 그리고 이러한 연구결과를 통해서 현재 대한민국 정부 및 사회가 바라보고 있는 기술창업이 개념적으로나 실행적인 측면에서 현실과는 차이가 있음을 확인할 수 있었다. 본 연구의 결과는 국내 기술창업 생태계 조성 및 활성화를 위한 실효성 있는 정책들을 수립하는 데 의미 있는 기초자료로 활용될 수 있을 것이다.

      • 군 생활관에서 장병활동에 따른 PM10과 CO2분포특성에 관한 연구

        차우준 한국실내환경학회 2011 한국실내환경학회지 Vol.8 No.2

        CO2 and PM10 in military barracks were studied using DustMate, Mini Vol. Air Sampler and DirectSenseTM PPC TG-502 Monitoring Kits in 2010. The distributions of CO2 and PM10 in the military base were strongly affected by soldier's behaviors as well as managements for the barracks. Before this study, the military site may fail to follow "IAQ Administration Law of Multiplex Utilization Facilities, ect." in terms of CO2 and PM10. After adopting advanced cleaning methods and ventilation system, the concentrations of CO2 and PM10 were maintained under the regulation, respectively. The distribution of CO2 was related to the number and time of ventilation. In contrast, PM10 was dependant on the soldiers' indoor-activities rather than ventilation. This study supported that management and education for barracks and soldiers plays in a role to control indoor quality of military facility.

      • 군 생활관에서 장병활동에 따른 PM₁?과 CO₂ 분포특성에 관한 연구

        차우준(Cha, Woo-Joon) 한국실내환경학회 2011 한국실내환경학회지 Vol.8 No.2

        CO₂ and PM10 in military barracks were studied using DustMate, Mini Vol. Air Sampler and DirectSense™ PPC TG-502 Monitoring Kits in 2010. The distributions of CO₂ and PM10 in the military base were strongly affected by soldier’s behaviors as well as managements for the barracks. Before this study, the military site may fail to follow “IAQ Administration Law of Multiplex Utilization Facilities, ect.” in terms of CO₂ and PM10. After adopting advanced cleaning methods and ventilation system, the concentrations of CO₂ and PM10 were maintained under the regulation, respectively. The distribution of CO₂ was related to the number and time of ventilation. In contrast, PM10 was dependant on the soldiers’ indoor-activities rather than ventilation. This study supported that management and education for barracks and soldiers plays in a role to control indoor quality of military facility.

      • KCI등재

        기술신용평가기관(TCB)의 기술평가는 기업의 성장가능성을 예측할 수 있는가? : `양호 이상` 기업들 사례 중심으로

        차우준 ( Woojoon Cha ) 한국경영공학회 2017 한국경영공학회지 Vol.22 No.1

        In this study, the purpose was to confirm that TCB technology evaluation predicted the enterprise growth potential. First, the correlation between the technology grade and the financial performance after technology management is not close. However, in case of `T2` technology grade, the enterprises have the higher probability of the growth potential in nearby future. Second, the TCB technology grade is more affected from an enterprise infrastructure(called `the capability of technical commercialization`), such as the tangible and/or the intangible assets, the corporation history, the contracted buyers, and so on, because of the property of TCB technology evaluation model. Third, the capability of technical commercialization on TCB technology evaluation model has very close correlation with the credit grades of the evaluated enterprises. On the basis of the above mentioned conclusions, the current TCB technology evaluation model has some limitations to predict the enterprise growth potential in future, so the model needs some improvements.

      • KCI등재

        기술신용평가기관(TCB) 기술평가 모형의 금융기관 활용 적합성에 대한 연구: TCB평가를 받은 기업들 사례 중심으로

        차우준 ( Woo Joon Cha ) 한국경영공학회 2016 한국경영공학회지 Vol.21 No.1

        The "Park Guen-Hye" government in Republic of Korea is forcefully driving ‘Technology Financing`` for achievement of ‘Creative Economy``. The ‘Technology Financing`` is defined that the TCB and the banks evaluate the growth capacity of small and medium-sized business with credit rating and support loan and/or investment. Herein, I and most people engaging in this field think or believe that the key point for successful ‘Technology Financing`` is the trust of technology evaluation result at TCB. The purpose of this study was about the suitability of TCB technology evaluation model for Technology Financing. In addition, I carried out the examinination and the analysis for the correlation of several technology evaluation items on TCB technology evaluation model. In result of this study, I suggest that the improvements of the current TCB technology evaluation model and the mix ratio of the technology evaluation score for TCB technology credit rating be needed.

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