중소기업의 기술력평가를 통한 신용등급 상향의 타당성 연구

김재천,손석현 기술경영경제학회 2018 Journal of Technology Innovation Vol.26 No.2

기술금융은 금융당국이 금융산업 선진화, 중소기업발전을 위해 강력한 정책적 의지를 가지고 도입하여 시행하고 있는 분야이다. 이러한 배경으로 은행의 자체적인 기술평 가가 2016년 9월부터 시행되었다. 기술우수기업은 기술평가과정에서 산출된 높은 기술등급으로 기존 신용등급이 상향되게 되며, 결과적으로 높아진 신용등급만큼 금융거래시 혜택을 받게 된다. 분석대상은 KEB하나은행이 2016년 9월부터 2017년 하반기까지 수행한 기술평가 대상 2,719개 업체를 분석하였다. 2016년 하반기 수행된 406개 업체에 대한 기술력평가 예비 연구에서 기존 신용등급과 산출된 기술등급을 결합한 결과, J58‘출판업‘의 기술신용등급은 신용등급대비 1.05등급 상향되어 상향정도가 가장 높았으며, C10‘식료품 제조업‘이 두 번째로 상향정도가 높았다. 이로써 기술력평가를 통한 수혜업종을 가려낼 수 있었으며, 업종별 기술 평가의 유용성을 확인할 수 있었다. 이에, 전체 수행기간동안 평가된 2,719개 업체에 대하여 기술력, 업력, 성장유망업종별 분석을 수행하였다. 분석결과 기술력 T-4이상 등급 업체들의 신용등급 상향정도가 가장 높았으며 5년 기준 업력에 따른 기술력평가의 유효성은 미미한 것으로 파악되었다. 정책지원의 효율성차원에서 지정된 성장유망업종에 해당하는 업체들을 대상으로 분석한 결과 일반기업대비 신용등급의 상향정도가 높아 성장유망업종 지원의 유용성을 확인할 수 있었다. 향후, 은행의 업체 발굴 또는 당국의 정책수립시에 T-4이상의 기술력 우수기업, 성장유망 업종에 집중하면 자금지원 효과를 극대화할 수 있을 것으로 판단된다. Technology finance is an area in which financial authorities have introduced and implemented a strong policy will for the advancement of the financial industry and the development of SMEs. As a result, the Bank’s own technology evaluation was conducted from September 2016. Technically superior companies are upgrading their credit ratings, and as a result, they benefit from financial transactions as much as their higher credit ratings through technology evaluation. Based on the data generated during this process, we analyze the degree to which credit ratings was upgraded by technology evaluation. The pre study handles 406 data from KEB Hana Bank’s technology evaluation conducted in the second half of 2016. As a result of combining the credit rating with the calculated technology rating, J58 ‘Publishing Activities’ technology-credit rating is raised by 1.05 rating, which is the highest, and C10 ‘Manufacture of Food Products’ is the second highest. As a result, we were able to identify the sectors that benefited from the technology evaluation and confirmed the usefulness of technology evaluation by industry(KSIC). To expanding the study, 2,719 companies evaluated during the entire period were analyzed by technology grade, business experience and promising growth industry code. As a result of the analysis, technological power over T-4 grade companies had the highest credit rating upgrades. The companies belonging to promising growth industries designated for efficiency of policy support, it is confirm that the support of the promising business type was useful because the credit grade was upgraded through technology evaluation. The validity of the technology evaluation based on the five-year business experience was found to be insignificant. In the future, it will be possible to maximize the support effect by concentration on the companies with over T-4 grade and growth potential companies when supporting SMEs.

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.

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.

중소기업 ESG 경영 도입의도에 영향을 미치는 요인 : 태도의 매개효과 및 종업원 혁신저항성의 조절효과

이윤효,정병규,박경희 사단법인 한국벤처혁신학회 2023 벤처혁신연구 Vol.6 No.2

This study was conducted to empirically analyse the factors that influence SMEs' intention to adopt ESG. For this purpose, we first derived the variables of usefulness of ESG and ease of adoption. In addition, we adopted CEO's will because of the importance of CEO's role in decision-making in SMEs. In addition, we added customer’s request, government support, and credit evaluation reflection as institutional factors for ESG management. To examine the mediating role of attitudes and employees' innovation resistance in these relationships and how they affect ESG adoption, we set up a research model. These factors were used in the empirical analysis with 368 valid responses from the survey. Hierarchical regression analysis method using SPSS 24.0 was used for statistical analysis, and Process Macro 4.0 based on SPSS 24 was used for mediation and moderation effects. The results of the empirical analysis of this study showed that the usefulness of ESG adoption, ease of adoption, CEO’s will, customer’s request, government support, and credit evaluation reflection all had a positive and significant effect on the intention to adopt ESG management. In particular, among the variables affecting ESG adoption, CEO's will was found to be the most influential. Attitudes were also found to play a mediating role between the influencing factors and intention to adopt ESG management, as well as the mediating effect of employee’ innovation resistance. The academic implications of this study include the identification and empirical testing of each of the influencing variables of ESG management adoption in the scarce literature on ESG in SMEs, and the prioritisation of the influence of these factors on adoption intention, which can be used to promote the adoption of ESG management. In terms of practical implications, it is important for SMEs to have a win-win relationship with large corporations, an ecosystem such as government support, in order to improve CEO awareness and motivate the CEO's will, and for smooth introduction of ESG management, it is necessary to find ways to reduce resistance through sufficient communication with organizational members to make them aware of the need.

기술신용평가 서비스 모형의 경영성과 예측 모형 : 금융서비스 기관의 사례를 중심으로

김경수,최문수 서비스마케팅학회 2020 서비스마케팅저널 Vol.13 No.2