기술신용평가 서비스 모형의 경영성과 예측 모형:금융서비스 기관의 사례를 중심으로

Abstract

The purpose of this research is to use regression analyses to examine whether the evaluation results of financial institutions’ technology credit assessment services significantly help predict the entity's future business performance. This analysis could also help develop a technology credit assessment model that not only distinguishes between insolvent firms but also makes management performance predictable. For this purpose, the technology credit assessment data from W bank over two years from 2017 to 2018 are used to examine the relationship between the technology credit assessment model and the business performance. According to the analysis results, there are small evaluation categories that play an important role in predicting profitability (cash flow), which are divided into firms’ internal and external factors such as production (quality control) capability, investment recoverability, technology (design) differentiation and completeness of technology (design), and external factors such as diversity and reliability of customers and size of the target market. Focusing on these internal and external factors, it is necessary to develop a practical and relevant technology credit assessment model that not only distinguishes between insolvent firms but also makes business performance predictable. Further analysis shows that there are some overlapping items among the small evaluation categories. Therefore, consolidation or modification of these small categories would enhance the practicality and efficiency of the evaluation model.