Journal of Digital Convergence (디지털융복합연구)

The Society of Digital Policy and Management (한국디지털정책학회)
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Relative Importance of Executive Competency Factors of SMEs and Venture Firms in Credit Evaluation

신용평가에서 중소벤처기업 경영자 역량 요인의 상대적 중요도에 관한 연구

  • Lee, Chun Hee (Dept. of Advanced Industry Fusion, Konkuk University) ;
  • Lee, Dong Myung (Dept. of Advanced Industry Fusion, Konkuk University) ;
  • Chen, Lu (Dept. of Advanced Industry Fusion, Konkuk University)
  • 이천희 (건국대학교 신산업융합학과) ;
  • 이동명 (건국대학교 신산업융합학과) ;
  • 진로 (건국대학교 신산업융합학과)
  • Received : 2019.03.06
  • Accepted : 2019.04.20
  • Published : 2019.04.28
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Abstract

This study is to provide a method to increase the credit rating of the company by examining and managing the executive competency of the CEO of SMEs and Venture Firms. We analyzed the importance and priority of AHP by surveying bank loan staff and CEOs. According to the analysis results, ethics management, strategic thinking, and expertise level were the highest in the relative importance of bank loan staff. The relative importance of CEOs was higher in order of marketing, bank transaction reliability, and financing. Result of this study is similar to the relative importance of the previous research. This study suggests to disclosing credit rating system and reflect the opinions of the CEO in order to protect financial consumers. The significance of this study is to present the factors and the importance that can help to develop advanced models.

본 연구는 경영자 역량에 관한 심층분석을 통하여 은행에서 경영자 역량을 보다 구체적이고 체계적으로 신용평가에 반영하고, 중소벤처기업 CEO는 경영자 역량을 스스로 점검하고 관리하여 기업의 신용등급을 높이는 방안을 제공하고자 한다. 은행의 대출담당자와 중소벤처기업 CEO를 대상으로 설문하여 중요도 및 우선순위를 AHP를 통해서 분석하였다. 분석결과를 보면 대출담당자의 상대적 중요도에서 윤리경영, 전략적 사고, 전문지식수준의 순으로 높게 나타났다. 중소벤처기업 CEO의 상대적 중요도에서는 마케팅, 은행거래신뢰도, 자금조달의 순으로 높게 나타났다. 본 신용평가에서도 선행연구의 상대적 중요도와 유사한 결과를 보였으며, 금융소비자 보호 차원에서 신용평가시스템을 공개하고 CEO의 의견을 반영하는 노력이 필요하다고 사료된다. 본 연구의 의의는 경영자 역량 요인의 상대적 중요도를 연구하여 향후 발전된 모형개발에 도움이 되는 요인과 중요도를 제시한 점에 있다.

Keywords

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Fig. 1. AHP Hierarchy of Executive Competency Factors

Table 1. Definition of Executive Competency Factors

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Table 2. Demographic Characteristics

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Table 3. Weights and Ranks of Bank Loan Staff

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Table 4. Weights and Ranks of CEO

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Table 5. Weights of Criteria by Bank Lending Staff

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Table 6. Weights and Rankings based on Job Level of Bank Lending Staff

DJTJBT_2019_v17n4_123_t0006.png 이미지

Table 7. Weights of Criteria by CEO

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Table 8. Weights and Rankings based on Venture Firms of CEO

DJTJBT_2019_v17n4_123_t0008.png 이미지

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