科技金融的创新——韩国技术信用评估机构实践

Innovation in Technology Finance:The Practice of South Korea’s Technology Credit Bureau

韩国的技术信用评估体系在支持科技企业融资和推动科技金融发展方面取得了显著成效。科技创新离不开金融支持。韩国的科技金融体系于2014年推出,旨在通过技术信用评估帮助具有技术能力但缺乏抵押物的企业获得融资支持。韩国技术信用评估的推出支持了中小企业的创新,减少了金融风险,推动了科技产业的发展。韩国的技术信用评估体系由多个参与方组成,包括科技型企业、金融机构、韩国信用信息院和技术信用评级机构,在过去十年中显著增长,解决了科技企业的融资困难,改善了银行的信贷实践;实施过程中存在评估过程缺乏公正性、技术信用评估适用范围模糊以及评估质量与成本控制的矛盾等问题。为了强化信用评估体系,韩国政府提出了一系列改进措施。这些措施包括:明确优惠利率,提高信用贷款比例,增强信用评估的独立性,以及强化评估后检查监管。这些措施旨在提高评估的公正性、科学性和质量以确保科技金融的可持续发展。韩国的技术信用评估体系对中国的科技金融发展具有重要的借鉴意义,中国可以进一步完善技术信用评估体系,推动科技金融的发展,助力实现科技强国的目标。

South Korea’s Technology Credit Bureau(TCB)system has achieved remarkable success in supporting the financing of technology enterprises and promoting the development of technology finance.Technological innovation cannot thrive without financial support.South Korea’s technology finance system,launched in 2014,aims to help enterprises with technological capabilities but lacking collateral to secure financing through technology credit evaluations.The introduction of technology credit evaluations in South Korea has not only supported innovation among small and medium-sized enterprises(SMEs)but also reduced financial risks and promoted the development of the technology industry.South Korea’s technology credit evaluation system consists of multiple stakeholders,including technology-based enterprises,financial institutions,the Korea Credit Information Services(KCIS),and technology credit rating agencies(TCB).Over the past decade,the technology credit evaluation system has grown significantly,addressing the financing difficulties of technology enterprises and improving bank credit practices.However,some issues have been exposed during its implementation,such as a lack of fairness in the evaluation process,ambiguity in the scope of technology credit evaluations,and the contradiction between controlling evaluation costs and maintaining quality.To enhance the technology credit evaluation system,the South Korean government has proposed a series of improvement measures.These include clarifying preferential interest rates,increasing the proportion of credit loans,strengthening the independence of evaluations,and enhancing post-evaluation reviews.These measures aim to improve the fairness,scientific rigor,and quality of evaluations,ensuring the sustainable development of technology finance.South Korea’s technology credit evaluation system offers important lessons for the development of technology finance in China.China can further refine its technology credit evaluation system to promote the growth of technology finance,aiding in the achievement of its goal of becoming a technological powerhouse.This will not only help improve the financing capacity and innovation level of technology enterprises but also promote the overall high-quality development of the economy.