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A Study on the Effective Combining Technology and Credit Appraisal Information in the Innovation Financing Market

기술금융시장에서의 신뢰성있는 기술평가 정보와 신용평가 정보의 최적화 결합에 관한 연구

  • Lee, Jae-Sik (Graduate School of Management of Technology, Korea University) ;
  • Kim, Jae-jin (Division of Master of Inntellectual Porperty, Korea University)
  • 이재식 (기술보증기금.고려대학교 기술경영학과) ;
  • 김재진 (기술보증기금.고려대학교 지식재산학과)
  • Received : 2016.11.21
  • Accepted : 2017.01.20
  • Published : 2017.01.28

Abstract

This study investigates the components and rating system of reliable technology credit information for a technology finance donor who is a consumer of the information and aims to create an effective and optimal technology credit appraisal system to enlarge technology finance supply. Firstly, we calculate the optimal TCAR which becomes the maximum AUROC through the combination of ratio change, verify the substitution possibility between TAR and CR through the existing CR and system gap simulation, and propose a rating system by which financial institutes can utilize the TCAR as a credit rating. As a result, 70% : 30% is the most suitable as the weighted combination ratio of credit rating : technology rating. As a result of this study, we confirmed the possibility that the technical credit rating information could be substituted by the credit rating or the technology appraisal rating. Furthermore, it also suggests that sophisticated risk management is possible through using technology credit rating that are combined with credit and technology appraisal rating.

Keywords

Technology Appraisal;Technology Appraisal Rating;Credit Rating;Technology Credit Appraisal Rating;ROC;AUROC

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