인적자원관리 및 개발 변수의 기업신용평가 적용에 관한 연구 : 인적자본기업패널 자료를 이용하여

The major purpose of this paper is to find the factors related to human resources influencing corporate credit status and to apply them to build a corporate credit scoring model. The data used to construct the model is the 2017 Human Capital Enterprise Panel Survey data provided by the KRIVET and the corporate credit rating in the NICE Credit Rating. The independent variables for model construction were selected based on McLagan's 'Human Resource Wheel Model', which were used for analysis. In addition, the basic statistical algorithm for constructing the credit scoring model generally used the logistic regression model, which is most commonly used in the field of business. As a result of the model construction, five variables were finally used: post and communication training, whether to support overseas training, whether to support domestic graduate school tuition, the rate of recruitment of in-house competitions, and the level of welfare for the first year of a manager. The credit rating model’s evaluation was used to a holdout method. When we looked at the response rate, the failure rate gradually decreased from the best credit rating section to the bad credit rating section, and the c-statistic was 0.732. Considering these results, we can conclude that it is possible to calculate the credit rating grade using variables related to corporate human resources. Of course, to measure a more accurate credit scoring is essential that respondents' survey responses must be faithful.