서울신용보증재단 지원 소상공인 예비창업자의 특성별 성과

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In recent years, as the pandemic caused by the coronavirus infection-19(COVID-19) continues, the financial status of small business owners has drastically deteriorated. The government supports small business owners facing market failure in accordance with the policy goals in lowering financial risks and promoting management activities in order to improve profitability. Small business policy funds support new business formation and recovery to help small business owners grow and contribute to the development of the national economy by creating employment opportunities. Strategic allocation of policy funds is the key to the success of small business owners. The purpose of this study is to analyze the performance of consulting and funding support by characteristics of small business owner prospective entrepreneurs supported by the Seoul Credit Guarantee Foundation. The Seoul Credit Guarantee Foundation will disclose the results of total asset turnover ratio, sales amount, and number of employee depending on the characteristics of small business owner prospective entrepreneurs who provided start-up consulting and policy funds to small business owner prospective entrepreneurs. The Seoul Credit Guarantee Foundation supports small business owner prospective entrepreneurs with first- phase consulting, such as writing a business plan before starting a business, and supports second-phase consulting with start-up funds after starting a business. The goal of the Seoul Credit Guarantee Foundation is to reduce the number of failed start-ups through consulting and policy funds support from preliminary start-up stage to within three years after start-up. This study analyzed the first-stage consulting data including the preparation of business plans and the second-stage consulting data of 500 small business owner prospective entrepreneurs helped by the Seoul Credit Guarantee Foundation for three years from 2016 to 2018, before COVID-19. By analyzing the data before COVID-19, the government's policy objectives and their justifications for those objectives are examined for small business owners who have recently faced market failure due to COVID-19. The characteristic factors of small business owner prospective entrepreneurs such as: gender, age, start-up preparation period, industry experience, credit management capability, non-bank loan, total asset, equity capital ratio, debt ratio and target net income were used as independent variables. Also, total asset turnover ratio, sales amount and number of employee were used as dependent variables. The results of the regression analysis on the performance of each characteristic of small business owner prospective entrepreneurs are as follows. First, the variables in which support- ing policy fund through start-up consulting for small business owner prospective entrepreneurs has a significant positive(+) effect on total asset turnover ratio are gender, equity capital ratio, and target net income. And a variable that has a significant negative(-) effect on total asset turnover ratio is total assets(start-up expenses). This can be judged that the male entrepreneurs, the higher the target net income, the higher the equity capital ratio, and the smaller the start-up expenses, the higher the total asset turnover ratio, thereby effectively using the assets owned. Second, the variables in which supporting policy fund through start-up consulting for small business owner prospective entrepreneurs has a significant positive(+) effect on sales amount are gender, total assets(start-up expenses), equity capital ratio, target net income, and industry experience. This suggests that if male entrepreneurs with a lot of experience in the same industry have a high total assets, a high equity capital ratio, and a high target net income, sales amount increase when starting and operating a business.