정부 보증서 취급기관의 창업 기업평가시스템 개선 연구

A survey was conducted among 145 technology-based companies that utilized the government-supported policy funding system to secure necessary funds after launching their businesses. The results of this survey were analyzed for satisfaction and importance using the SPSS statistical program and Importance-Performance Analysis (IPA). Based on the findings, we identified directions for improving the start-up enterprise evaluation system by assessing which aspects of the current system are satisfactory, unsat isfactory, important, and unnecessarily evaluated. The satisfaction survey revealed that the evaluations conducted by primary counse lors in charge of credit assessments were generally deemed unsatisfactory. This dissatisfaction stems from the fact that the personal discretion of the primary counselors, independent of the start-up enterprise evaluation system, significantly influences whether guarantee are approved. This lack of fairness and equity is a critical area that requires improvement. Based on the results of this study, we anticipate that the start-up enterprise evaluation system will be enhanced to ensure fairness and reasonableness, ultimately providing timely practical benefits to start-up companies and contributing to an increased survival rate for these businesses.